Property ID: 7921431158

1341 Fulton Ave, Tarrant, AL, 35217

Tarrant, AL

For Sale Feb 16, 2026 03:13 AM UTC Realtor Street View
Money Down: $21,576 CoC Return: 6.23% Monthly Cash Flow: $112
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,980
Closing Costs
$3,596
Total Down
$21,576
Primary property image

Investment Snapshot

Purchase Price
$89,900
Money Down
$21,576
Cash-on-Cash Return
6.23%
Rent
$767
Monthly Cash Flow
$112
Annual Cash Flow
$1,345
Debt Service / Mo
$478
Property Tax / Mo
$36
Insurance / Mo
$63

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$767
Payment Standard
$1,133
Rent
$767
Insurance
$63
Property Tax
$36
Management
$77
Utilities Allowance
$366
NOI (Monthly)
$591
Debt Service
$478
Cash Flow After Debt
$112

Quality Score: 66.80%

Confidence: 94.00%

This 2BR/1BA single-family appears generally sound and mostly cosmetically worn — turnkey with minor repairs. The property shows intact structure, functioning entry/stairs, kitchen appliances present, and an outdoor HVAC unit. Primary inspection risks are missing/uncertain life-safety devices (GFCI in kitchen, CO alarm), stained carpet and wear that will need cleaning or replacement, and an aged exterior HVAC unit and unknowns for water heater and electrical panel. With targeted fixes (install/verify smoke/CO/GFCI, replace/clean flooring, patch driveway, basic plumbing/electrical verification) it is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.

Section 8 Payment Standard
$1,133
Utility Allowance Total
$366
Guaranteed Section 8 Rent (PS - Utilities)
$767
Property Management
$77

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$89,900
Beds
2
Baths
1
Living Area
1,008 sqft
Lot Size
6,970 sqft
Year Built
1930
Days on Market
83
Capital Outlay
$21,576
Debt Service
$478
Property Tax / Mo
$36
Insurance / Mo
$63

Property Description

this home is waiting on a new owner! very well kept home in the heart of Tarrant on quiet street. this home has a huge backyard for your kids and dogs to run and play. Nice size kitchen for family dinners and nice size bedrooms just waiting for you to make it your home.

Utility Allowances

Heating
$31
Property has central heat. Natural gas is inferred from the specified gas water heater. 'Spire' is selected as a major regional provider, as an explicit Tarrant gas provider is not listed.
Cooling
$14
Property has central cooling. The schedule provides an explicit allowance for the city of Tarrant.
Water Heating
$29
Property information explicitly states 'Water Heaters: Gas'. 'Spire' is selected as a major regional provider.
Cooking
$13
Property photos show an electric stove. The schedule provides an explicit allowance for electric cooking in Tarrant.
Other Electric
$52
This covers general electricity for lights and outlets. The schedule provides an explicit allowance for the city of Tarrant.
Water
$69
Property has public water. As no 'Tarrant' water provider is listed, 'Birmingham' is selected as the largest nearby municipal provider on the schedule.
Sewer
$125
Property information states the sewer is 'Connected'. The schedule provides a single fixed value for sewer service.
Trash Collection
$27
The property is in Tarrant, and the schedule has a specific allowance for 'Tarrant City ISCL' (Inside City Limits).
Refrigerator
$0
The property listing includes a refrigerator, so it is landlord-provided and no allowance is given to the tenant.
Range/Microwave
$6
A microwave is not mentioned in the property details, so it is assumed to be tenant-owned and an allowance 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 Quote
DP1 Annual Estimate$615
DP3 Annual Estimate$907
DP1 Monthly Equivalent$51
DP3 Monthly Equivalent$76
Replacement Value$70,700
Basis1,008 sqft / 1930

Nearby Houses

Nearby house 1
Photo unavailable

1349 Fulton Ave

sold · 0.02 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
Nearby house 2
Photo unavailable

1329 Fulton Ave

sold · 0.03 mi
Price: $35,500
3 bd / 1 ba · 1,044 sqft
Latest sale: $35,500
Latest rent: —
Nearby house 3
Photo unavailable

1353 Fulton Ave

sold · 0.03 mi
Price: $71,000
3 bd / 2 ba · 1,064 sqft
Latest sale: $71,000
Latest rent: —
Nearby house 4
Photo unavailable

1346 Fulton Ave

sold · 0.04 mi
Price: $69,500
3 bd / 2 ba · 2,576 sqft
Latest sale: $69,500
Latest rent: —
Nearby house 5
Photo unavailable

4166 51st Ave N

for_sale · 0.04 mi
Price: $85,000
3 bd / 1 ba · 1,408 sqft
Latest sale: $30,000 on Aug 06, 2010
Latest rent: $925 on Sep 19, 2023
Nearby house 6
Photo unavailable

1348 Fulton Ave

sold · 0.04 mi
Price: $33,500
2 bd / 1 ba · 1,080 sqft
Latest sale: $33,500
Latest rent: —
Nearby house 7
Photo unavailable

1313 Park Ave

sold · 0.07 mi
Price: $43,000
3 bd / 1 ba · 1,536 sqft
Latest sale: $43,000
Latest rent: —
Nearby house 8
Photo unavailable

5029 41st Way N

sold · 0.08 mi
Price: $30,000
3 bd / 1 ba · 1,434 sqft
Latest sale: $30,000 on Oct 17, 2018
Latest rent: —
Nearby house 9
Photo unavailable

5019 42nd Pl N

sold · 0.08 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
Nearby house 10
Photo unavailable

5021 41st Way N

off_market · 0.09 mi
Price: $35,000
2 bd / 1 ba · 1,088 sqft
Latest sale: $19,500 on Jan 23, 2013
Latest rent: $500 on Oct 22, 2015
Nearby house 11
Photo unavailable

5012 N 42nd Pl

sold · 0.10 mi
Price: $52,000
2 bd / 2 ba · 1,224 sqft
Latest sale: $52,000 on Nov 15, 2021
Latest rent: $900 on Jul 23, 2025
Nearby house 12
Photo unavailable

5015 42nd Pl N

sold · 0.10 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
Nearby house 13
Photo unavailable

1326 Park Ave

sold · 0.10 mi
Price: $40,000
3 bd / 1 ba · 1,344 sqft
Latest sale: $40,000
Latest rent: —
Nearby house 14
Photo unavailable

4301 51st Ave N

sold · 0.10 mi
Price: $99,900
4 bd / 2 ba · 1,845 sqft
Latest sale: $99,900 on Mar 15, 2021
Latest rent: —
Nearby house 15
Photo unavailable

5021 43rd St N

sold · 0.12 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
Nearby house 16
Photo unavailable

1338 Park Ave

for_sale · 0.12 mi
Price: $78,000
3 bd / 1 ba · 1,194 sqft
Latest sale: $258,437
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Smoke detector visible in living area is functioning; not all detectors/CO alarms were photographed.
  • HVAC exists and is connected (external compressor present) but its operational status and age are unknown.
  • Water heater and electrical panel exist but were not shown; assumed serviceable unless inspection reveals otherwise.
  • No evidence of major pest infestation or active mold was visible in photos; stained carpet is assumed to be surface soiling rather than active water/mold damage.
  • Bedroom windows meet egress size requirements based on appearance in photos but exact dimensions were not measured.
  • Front entry door includes at least a keyed lock and likely a deadbolt (two hardware pieces visible) but condition should be verified.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $423 $84,300 $8,440
2023 $423 $84,300 $8,440
2022 $277 $58,500 $5,860
2021 $312 $64,700 $6,480
2020 $294 $61,600 $6,160
2019 $312 $64,700 $6,480
2018 $259 $55,400 $5,540
2017 $259 $55,400 $5,540
2016 $243 $52,500 $5,260
2015 $259 $55,400 $5,540
2013 $239 $50,900 $5,100
2012 $259 $54,600 $5,460
2011 $264 $55,400 $5,540
2010 $264 $55,400 $5,540
2009 $264 $55,400 $5,540
2008 $271 $56,600 $5,660
2007 $261 $54,800 $5,480

Sale History

DateEventPrice
2025-11-25 Listed $89,900
2006-09-08 Listing removed $49,900
2006-03-08 Listed $49,900
2004-02-18 Listing removed $49,900
2003-08-22 Listed $49,900
1987-10-22 Sold $26,500

Photo Gallery

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            "market": {
              "land": 13600,
              "total": 84300,
              "building": 70700
            },
            "assessment": {
              "land": null,
              "total": 8440,
              "building": null
            }
          },
          {
            "tax": 423,
            "year": 2023,
            "market": {
              "land": 13600,
              "total": 84300,
              "building": 70700
            },
            "assessment": {
              "land": null,
              "total": 8440,
              "building": null
            }
          },
          {
            "tax": 277,
            "year": 2022,
            "market": {
              "land": 13600,
              "total": 58500,
              "building": 44900
            },
            "assessment": {
              "land": null,
              "total": 5860,
              "building": null
            }
          },
          {
            "tax": 312,
            "year": 2021,
            "market": {
              "land": 13600,
              "total": 64700,
              "building": 51100
            },
            "assessment": {
              "land": null,
              "total": 6480,
              "building": null
            }
          },
          {
            "tax": 294,
            "year": 2020,
            "market": {
              "land": 13600,
              "total": 61600,
              "building": 48000
            },
            "assessment": {
              "land": null,
              "total": 6160,
              "building": null
            }
          },
          {
            "tax": 312,
            "year": 2019,
            "market": {
              "land": 13600,
              "total": 64700,
              "building": 51100
            },
            "assessment": {
              "land": null,
              "total": 6480,
              "building": null
            }
          },
          {
            "tax": 259,
            "year": 2018,
            "market": {
              "land": 13600,
              "total": 55400,
              "building": 41800
            },
            "assessment": {
              "land": null,
              "total": 5540,
              "building": null
            }
          },
          {
            "tax": 259,
            "year": 2017,
            "market": {
              "land": 13600,
              "total": 55400,
              "building": 41800
            },
            "assessment": {
              "land": null,
              "total": 5540,
              "building": null
            }
          },
          {
            "tax": 243,
            "year": 2016,
            "market": {
              "land": 13600,
              "total": 52500,
              "building": 38900
            },
            "assessment": {
              "land": null,
              "total": 5260,
              "building": null
            }
          },
          {
            "tax": 259,
            "year": 2015,
            "market": {
              "land": 13600,
              "total": 55400,
              "building": 41800
            },
            "assessment": {
              "land": null,
              "total": 5540,
              "building": null
            }
          },
          {
            "tax": 239,
            "year": 2013,
            "market": {
              "land": 13600,
              "total": 50900,
              "building": 37300
            },
            "assessment": {
              "land": null,
              "total": 5100,
              "building": null
            }
          },
          {
            "tax": 259,
            "year": 2012,
            "market": {
              "land": 13600,
              "total": 54600,
              "building": 41000
            },
            "assessment": {
              "land": 1360,
              "total": 5460,
              "building": 4100
            }
          },
          {
            "tax": 264,
            "year": 2011,
            "market": {
              "land": 13600,
              "total": 55400,
              "building": 41800
            },
            "assessment": {
              "land": 1360,
              "total": 5540,
              "building": 4180
            }
          },
          {
            "tax": 264,
            "year": 2010,
            "market": {
              "land": 13600,
              "total": 55400,
              "building": 41800
            },
            "assessment": {
              "land": 1360,
              "total": 5540,
              "building": 4180
            }
          },
          {
            "tax": 264,
            "year": 2009,
            "market": {
              "land": 13600,
              "total": 55400,
              "building": 41800
            },
            "assessment": {
              "land": 1360,
              "total": 5540,
              "building": 4180
            }
          },
          {
            "tax": 271,
            "year": 2008,
            "market": {
              "land": 13600,
              "total": 56600,
              "building": 43000
            },
            "assessment": {
              "land": 1360,
              "total": 5660,
              "building": 4300
            }
          },
          {
            "tax": 261,
            "year": 2007,
            "market": {
              "land": 12600,
              "total": 54800,
              "building": 42200
            },
            "assessment": {
              "land": 1260,
              "total": 5480,
              "building": 4220
            }
          }
        ],
        "property_history": [
          {
            "date": "2025-11-25",
            "price": 89900,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-11-25T03:48:33Z",
              "list_price": 89900,
              "listing_id": "2988981632",
              "last_update_date": "2026-02-16T01:46:13Z",
              "last_status_change_date": "2025-11-25T03:48:33Z"
            },
            "event_name": "Listed",
            "price_sqft": 89.18650793650794,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "21437622",
            "price_change_percentage": null
          },
          {
            "date": "2006-09-08",
            "price": 49900,
            "listing": {
              "status": "off_market",
              "list_date": "2006-03-08T07:00:00Z",
              "list_price": 49900,
              "listing_id": "542160003",
              "last_update_date": "2006-09-09T12:00:00Z",
              "last_status_change_date": "2006-09-08T07:00:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": "184 days",
            "source_listing_id": "292800",
            "price_change_percentage": null
          },
          {
            "date": "2006-03-08",
            "price": 49900,
            "listing": {
              "status": "off_market",
              "list_date": "2006-03-08T07:00:00Z",
              "list_price": 49900,
              "listing_id": "542160003",
              "last_update_date": "2006-09-09T12:00:00Z",
              "last_status_change_date": "2006-09-08T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": null,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "292800",
            "price_change_percentage": null
          },
          {
            "date": "2004-02-18",
            "price": 49900,
            "listing": {
              "status": "off_market",
              "list_date": "2003-08-22T07:00:00Z",
              "list_price": 49900,
              "listing_id": "541718595",
              "last_update_date": "2004-02-19T13:00:00Z",
              "last_status_change_date": "2004-02-18T07:00:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": "180 days",
            "source_listing_id": "214147",
            "price_change_percentage": null
          },
          {
            "date": "2003-08-22",
            "price": 49900,
            "listing": {
              "status": "off_market",
              "list_date": "2003-08-22T07:00:00Z",
              "list_price": 49900,
              "listing_id": "541718595",
              "last_update_date": "2004-02-19T13:00:00Z",
              "last_status_change_date": "2004-02-18T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": null,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "214147",
            "price_change_percentage": "+88.30%"
          },
          {
            "date": "1987-10-22",
            "price": 26500,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": 26.28968253968254,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
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    },
    "rmn_listing_attribution": false
  },
  "property_id": "7921431158",
  "generated_at": "2026-02-16T03:13:49.358230Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 66.8
  },
  "utility_allowance": {
    "zip_code": "35217",
    "home_photo": "https://ap.rdcpix.com/d1dd9bdd741a22aeccf5431bca4efb4fl-m3681402363s-w1280.jpg",
    "rent_price": 767.0,
    "loan_amount": 71920.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/1341-Fulton-Ave_Tarrant_AL_35217_M79214-31158",
    "bedroom_count": 2,
    "interest_rate": 0.07,
    "purchase_price": 89900.0,
    "loan_term_years": 30,
    "annual_cash_flow": 7086.91,
    "mortgage_monthly": 478.49,
    "payment_standard": 1133.0,
    "total_amount_out": 17980.0,
    "additional_photos": [
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      "https://ap.rdcpix.com/d1dd9bdd741a22aeccf5431bca4efb4fl-m2053520258s-w1280.jpg",
      "https://ap.rdcpix.com/d1dd9bdd741a22aeccf5431bca4efb4fl-m2452014759s-w1280.jpg",
      "https://ap.rdcpix.com/d1dd9bdd741a22aeccf5431bca4efb4fl-m4125611584s-w1280.jpg",
      "https://ap.rdcpix.com/d1dd9bdd741a22aeccf5431bca4efb4fl-m2023242007s-w1280.jpg",
      "https://ap.rdcpix.com/d1dd9bdd741a22aeccf5431bca4efb4fl-m3661109444s-w1280.jpg",
      "https://ap.rdcpix.com/d1dd9bdd741a22aeccf5431bca4efb4fl-m29559392s-w1280.jpg",
      "https://ap.rdcpix.com/d1dd9bdd741a22aeccf5431bca4efb4fl-m2047275303s-w1280.jpg",
      "https://ap.rdcpix.com/d1dd9bdd741a22aeccf5431bca4efb4fl-m4042173697s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 63.42,
    "monthly_cash_flow": 590.58,
    "property_tax_rate": 0.0060999999999999995,
    "_utility_allowance": {
      "sources": [
        "https://www.jcha.com/section-8-utility-allowances"
      ],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "Property has central heat. Natural gas is inferred from the specified gas water heater. 'Spire' is selected as a major regional provider, as an explicit Tarrant gas provider is not listed.",
        "utility": "Heating",
        "allowance": 31
      },
      {
        "note": "Property has central cooling. The schedule provides an explicit allowance for the city of Tarrant.",
        "utility": "Cooling",
        "allowance": 14
      },
      {
        "note": "Property information explicitly states 'Water Heaters: Gas'. 'Spire' is selected as a major regional provider.",
        "utility": "Water Heating",
        "allowance": 29
      },
      {
        "note": "Property photos show an electric stove. The schedule provides an explicit allowance for electric cooking in Tarrant.",
        "utility": "Cooking",
        "allowance": 13
      },
      {
        "note": "This covers general electricity for lights and outlets. The schedule provides an explicit allowance for the city of Tarrant.",
        "utility": "Other Electric",
        "allowance": 52
      },
      {
        "note": "Property has public water. As no 'Tarrant' water provider is listed, 'Birmingham' is selected as the largest nearby municipal provider on the schedule.",
        "utility": "Water",
        "allowance": 69
      },
      {
        "note": "Property information states the sewer is 'Connected'. The schedule provides a single fixed value for sewer service.",
        "utility": "Sewer",
        "allowance": 125
      },
      {
        "note": "The property is in Tarrant, and the schedule has a specific allowance for 'Tarrant City ISCL' (Inside City Limits).",
        "utility": "Trash Collection",
        "allowance": 27
      },
      {
        "note": "The property listing includes a refrigerator, so it is landlord-provided and no allowance is given to the tenant.",
        "utility": "Refrigerator",
        "allowance": 0
      },
      {
        "note": "A microwave is not mentioned in the property details, so it is assumed to be tenant-owned and an allowance is provided.",
        "utility": "Range/Microwave",
        "allowance": 6
      }
    ],
    "cash_on_cash_return": 0.39,
    "down_payment_amount": 17980.0,
    "property_tax_annual": 435.69,
    "property_tax_monthly": 36.31,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 366.0,
    "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": 1345.08,
    "property_management_monthly": 76.7,
    "monthly_cash_flow_after_debt": 112.09,
    "cash_on_cash_return_after_debt": 0.07
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This 2BR/1BA single-family appears generally sound and mostly cosmetically worn — turnkey with minor repairs. The property shows intact structure, functioning entry/stairs, kitchen appliances present, and an outdoor HVAC unit. Primary inspection risks are missing/uncertain life-safety devices (GFCI in kitchen, CO alarm), stained carpet and wear that will need cleaning or replacement, and an aged exterior HVAC unit and unknowns for water heater and electrical panel. With targeted fixes (install/verify smoke/CO/GFCI, replace/clean flooring, patch driveway, basic plumbing/electrical verification) it is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior and exterior appear largely intact with recent paint on porch/stairs and generally maintained siding. Visible issues are cosmetic and moderate: heavily stained/soiled carpet in main living area, worn cabinet paint/trim chips, cracked concrete driveway, and minor peeling at baseboards/thresholds. Appliances are present (refrigerator and stove) so missing-appliance penalty does not apply. These are primarily cosmetic and short-duration repairs (carpet cleaning/replacement, paint, countertop/cabinet touch-up, driveway patching)."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance",
            "score": 65.0,
            "rationale": "No obvious life-threatening hazards visible: entry stairs have handrails, porch and steps appear stable, windows for bedrooms look adequate for egress, and there is no visible active water intrusion or collapsed ceilings. A ceiling-mounted smoke detector is visible in a living-room photo (good). Not observed: carbon monoxide alarm, visible GFCI outlets near kitchen sink (kitchen outlets appear standard), electrical panel location and condition not shown, water heater location/condition not shown. Driveway cracking and uneven surfaces present trip hazard. Because GFCI and CO protection cannot be confirmed and are typically required, there is a moderate NSPIRE risk until verified/installed."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical",
            "score": 60.0,
            "rationale": "An exterior HVAC unit is visible indicating central heat/AC is likely present, but the unit appears older (age/operation not confirmed). Roof lines and soffits look generally intact from provided angles with no visible sagging or active leaks. Water heater, electrical panel and plumbing supply/drain visible points were not provided in photos so their condition is unknown. Driveway and site drainage show no obvious standing water but the sloped driveway has cracking which could allow water intrusion over time. Because critical system components could not be confirmed operational, assign a moderate score."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 70.0,
            "rationale": "Exterior envelope (vinyl siding, painted foundation) appears maintained and paint is fresh in places. Front porch, columns, and railing present; stairs have functional rails. Yard is maintained and large backyard claimed. Driveway has longitudinal cracking and surface deterioration (trip hazard/repair recommended). Small soffit/trim area near eaves shows minor wear but no major roof failure visible. Overall the site is serviceable with some concrete repairs and minor trim work recommended."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Smoke detector visible in living area is functioning; not all detectors/CO alarms were photographed.",
          "HVAC exists and is connected (external compressor present) but its operational status and age are unknown.",
          "Water heater and electrical panel exist but were not shown; assumed serviceable unless inspection reveals otherwise.",
          "No evidence of major pest infestation or active mold was visible in photos; stained carpet is assumed to be surface soiling rather than active water/mold damage.",
          "Bedroom windows meet egress size requirements based on appearance in photos but exact dimensions were not measured.",
          "Front entry door includes at least a keyed lock and likely a deadbolt (two hardware pieces visible) but condition should be verified."
        ],
        "overall_score": 68.0,
        "rubric_version": "1.0"
      },
      {
        "summary": "Overall this 2BR/1BA single‑family appears to be a mostly sound property with cosmetic deferred maintenance (stained carpet, cabinet/trim wear), an intact exterior envelope, and major systems present (HVAC unit and gas service). The most likely HUD/HCV inspection deficiencies would be missing/incorrectly placed smoke and CO alarms, lack of GFCI protection at kitchen outlets, and minor trip hazards from driveway cracks plus cosmetic repairs. With targeted fixes (install/verify smoke & CO detectors, add/retrofit GFCI in kitchen, replace/clean carpet, secure/repair the kitchen door panel and address driveway trip edges) the home should be rentable and able to pass an initial HCV/NSPIRE inspection within ~30 days.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 72.0,
            "rationale": "Interior appears largely intact with recent paint and new-looking vinyl installed in at least one bedroom/dining area, and the kitchen cabinets/countertops functional. Visible deferred items are stained/soiled carpeting in main living area (likely needs replacement or deep cleaning), worn cabinet finishes, scuffed trim/thresholds, and a patched concrete retaining wall/driveway with cracks. Appliances are present (refrigerator and gas range) so no major appliance replacement required. These are mostly cosmetic or moderate repairs (carpet, paint, minor trim/door repairs) that are straightforward capital fixes and should be completed within a few weeks."
          },
          {
            "key": "safety_code",
            "label": "Safety / NSPIRE Code Risk",
            "score": 60.0,
            "rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, foundation appears intact, stairs have railings). However several NSPIRE items are unclear or likely need attention: smoke detector(s) presence and correct placement not clearly documented in photos; carbon monoxide alarm is not visible but required due to gas range; GFCI protection at kitchen counter outlets is not visible and older outlets are shown. The kitchen exterior door shows a patched/covered section (possible security/pest entry concern). Driveway has notable cracking/uneven surface (trip hazard). Given these unknowns and likely minor code fixes (install/verify smoke & CO alarms, retrofit GFCI outlets near water, repair/secure door), this represents a moderate inspection risk but not an immediate fail if corrected before/at inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems / Mechanical Condition",
            "score": 62.0,
            "rationale": "An exterior HVAC unit is present (photo), and a gas meter and gas range indicate active gas service; these are positive indicators. However equipment condition and operational status are unknown from photos: age/condition of the condenser looks older, water heater and electrical panel were not shown, and no confirmation of heating/cooling operation or hot water was provided. Plumbing fixtures (kitchen sink) are present and appear intact. Because systems appear present but not verified and age/condition are uncertain, assign moderate score — functioning but should be tested/service-checked prior to move-in."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 76.0,
            "rationale": "Exterior vinyl siding and painted foundation look sound with no visible major cracks or water intrusion. Porch and stairs are intact and have railings on both sides; front light is functional. Yard is maintained with a fenced rear yard visible which is good for tenant use. Noted exterior issues are a cracked/uneven driveway with a patched edge and some cosmetic chipping on porch columns; a tree near the driveway may require routine trimming. Overall the exterior appears serviceable and low risk, with the driveway crack being the primary site maintenance issue."
          }
        ],
        "red_flags": [
          "Unverified or potentially missing smoke detectors and carbon monoxide alarm (required due to gas range).",
          "No visible GFCI protection at kitchen outlets; likely required retrofit.",
          "Cracked and uneven driveway with visible longitudinal cracks — trip hazard and potential inspection issue.",
          "Heavy staining of main living carpet (possible odor/water damage) — needs replacement or remediation.",
          "Exterior HVAC condenser and gas appliances appear older and should be functionally tested; mechanical failure would be a major defect if discovered."
        ],
        "confidence": 0.65,
        "assumptions": [
          "No rental history in last 5 years (rental_history_last_5y.status = missing) - rental_history_activity excluded from scoring.",
          "Smoke detector and carbon monoxide alarm locations and functionality are not clearly visible in photos; assume detectors are either missing or not documented and should be verified/installed.",
          "Electrical panel and main service are not shown; assume service is present but age/condition unknown and should be tested by an electrician.",
          "HVAC condenser outside suggests central heat/cool is present; assume system exists but operational condition is unverified and may need servicing.",
          "Water heater not visible; assume hot water present but unverified.",
          "Front/exterior entry door has a patched lower panel (photo) — assumed functional but needs securing/replacement for weatherproofing and security.",
          "No visible signs of major structural failure (no sagging roofs, collapsed ceilings, or large foundation cracks) in provided photos; assume none unless revealed on full inspection."
        ],
        "overall_score": 67.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall the property appears to be a moderately well-maintained 2BR bungalow with mostly cosmetic needs and present major appliances. Key safety/system items (GFCI in kitchen, carbon monoxide alarm, electrical panel, water heater condition) are not shown and represent the primary inspection risk. Expected actions to reach Section 8 (NSPIRE) pass: verify/install GFCI protection in kitchen/bath, add/verify CO alarm(s), replace or deep-clean stained carpet, confirm hot water and HVAC operation, repair/resurface cracked driveway if cited as a trip hazard. With these relatively minor to moderate fixes the home is likely to pass an initial HCV inspection within ~2–6 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 68.0,
            "rationale": "Interior appears mostly intact with recent paint in many rooms and a functional layout. Visible issues: heavily soiled/stained carpet in the main living area (likely needs deep-clean or replacement), worn cabinet faces, minor trim scuffs, and cosmetic touch-ups on painted concrete steps and foundation. Appliances are present (refrigerator and gas range) so missing-appliance risk is low. These are primarily cosmetic/maintenance items and small capital repairs rather than structural failures. Estimated work: carpet replacement or cleaning, cabinet refinishing or replacement hardware, interior trim paint, and minor threshold/finish repairs."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk (NSPIRE)",
            "score": 60.0,
            "rationale": "Many basic safety items appear addressed: front entry has a secure porch, both sides of the primary stair have handrails, and interior ceilings and floors show no visible collapse or major water damage. A ceiling-mounted smoke detector-like device is visible in one interior photo (good), but CO alarm(s) are not visible. Kitchen outlets and lighting are visible but there is no clear evidence of required GFCI protection at countertop areas. Bedroom egress windows appear present (double windows in bedrooms). Driveway and sidewalk have notable cracking and uneven surfaces that could be a trip hazard. Because GFCI presence and CO detector status are unknown and the electrical panel is not shown, there is moderate NSPIRE risk that an inspector could cite electrical and life-safety deficiencies. No active roof leaks, exposed wiring, collapsed ceilings, or visible severe mold were observed in photos."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems / Mechanical",
            "score": 60.0,
            "rationale": "Exterior HVAC condenser is present (visible in side yard) suggesting central heating/cooling is installed; unit appears older but intact. Gas meter is visible and a gas range is present, indicating gas service to the property. Roof and eaves visible in photos appear serviceable with no visible sagging or active leaks. Water heater, electrical service/panel, and furnace/internal mechanical equipment are not shown, so condition is unverified. Given the presence of equipment but lack of documentation/photos, treat systems as operational but with medium risk due to age and unknown service history. Expected items: test HVAC operation, confirm water heater condition and hot water availability, inspect electrical panel and GFCI locations."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 75.0,
            "rationale": "Exterior envelope (vinyl siding, painted masonry foundation) looks maintained with no obvious large openings or rot. Porch and steps are intact and have railings. Driveway shows multiple long cracks and surface deterioration (trip hazard and potential drainage concern) and will benefit from repair or resurfacing. Yard appears reasonably maintained; fencing and outbuilding at rear are present (limited view). No evident standing water, major grading failure, or infestation signs in provided photos."
          }
        ],
        "red_flags": [
          "No clear evidence of GFCI protection in kitchen countertop area (likely NSPIRE citation).",
          "No carbon monoxide detector visible in photos (required where fuel-burning appliances or attached garages are present).",
          "Driveway has substantial cracking and uneven surfaces – trip hazard and could be cited.",
          "Major systems (water heater, electrical panel) not shown — unknown condition could trigger additional repairs if deficiencies are found.",
          "Property built 1930 — potential lead-based paint risk (requires disclosure and remediation if deteriorated paint is found)."
        ],
        "confidence": 0.65,
        "assumptions": [
          "At least one smoke detector is present (small round device visible in interior photo).",
          "Heating/cooling system exists and is the exterior unit shown; operational status unknown.",
          "Water heater and main electrical panel are present but were not photographed; their condition is unknown.",
          "Front entry has a locking knob and likely a deadbolt (not clearly visible in photos).",
          "Kitchen plumbing is functional (sink and faucet visible) but hot water was not verified.",
          "No active roof leaks or major structural movement exist — roof and eaves appear intact in photos.",
          "Property was built in 1930 so lead-based paint is possible; no visible large-scale peeling was observed in photos."
        ],
        "overall_score": 65.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "1341 Fulton Ave, Tarrant, AL, 35217",
    "aggregate": {
      "summary": "This 2BR/1BA single-family appears generally sound and mostly cosmetically worn — turnkey with minor repairs. The property shows intact structure, functioning entry/stairs, kitchen appliances present, and an outdoor HVAC unit. Primary inspection risks are missing/uncertain life-safety devices (GFCI in kitchen, CO alarm), stained carpet and wear that will need cleaning or replacement, and an aged exterior HVAC unit and unknowns for water heater and electrical panel. With targeted fixes (install/verify smoke/CO/GFCI, replace/clean flooring, patch driveway, basic plumbing/electrical verification) it is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 71.7,
          "rationale": "Interior and exterior appear largely intact with recent paint on porch/stairs and generally maintained siding. Visible issues are cosmetic and moderate: heavily stained/soiled carpet in main living area, worn cabinet paint/trim chips, cracked concrete driveway, and minor peeling at baseboards/thresholds. Appliances are present (refrigerator and stove) so missing-appliance penalty does not apply. These are primarily cosmetic and short-duration repairs (carpet cleaning/replacement, paint, countertop/cabinet touch-up, driveway patching)."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site",
          "score": 73.7,
          "rationale": "Exterior envelope (vinyl siding, painted foundation) appears maintained and paint is fresh in places. Front porch, columns, and railing present; stairs have functional rails. Yard is maintained and large backyard claimed. Driveway has longitudinal cracking and surface deterioration (trip hazard/repair recommended). Small soffit/trim area near eaves shows minor wear but no major roof failure visible. Overall the site is serviceable with some concrete repairs and minor trim work recommended."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Compliance",
          "score": 61.7,
          "rationale": "No obvious life-threatening hazards visible: entry stairs have handrails, porch and steps appear stable, windows for bedrooms look adequate for egress, and there is no visible active water intrusion or collapsed ceilings. A ceiling-mounted smoke detector is visible in a living-room photo (good). Not observed: carbon monoxide alarm, visible GFCI outlets near kitchen sink (kitchen outlets appear standard), electrical panel location and condition not shown, water heater location/condition not shown. Driveway cracking and uneven surfaces present trip hazard. Because GFCI and CO protection cannot be confirmed and are typically required, there is a moderate NSPIRE risk until verified/installed."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems & Mechanical",
          "score": 60.7,
          "rationale": "An exterior HVAC unit is visible indicating central heat/AC is likely present, but the unit appears older (age/operation not confirmed). Roof lines and soffits look generally intact from provided angles with no visible sagging or active leaks. Water heater, electrical panel and plumbing supply/drain visible points were not provided in photos so their condition is unknown. Driveway and site drainage show no obvious standing water but the sloped driveway has cracking which could allow water intrusion over time. Because critical system components could not be confirmed operational, assign a moderate score."
        }
      ],
      "red_flags": [],
      "confidence": 0.94,
      "assumptions": [
        "Smoke detector visible in living area is functioning; not all detectors/CO alarms were photographed.",
        "HVAC exists and is connected (external compressor present) but its operational status and age are unknown.",
        "Water heater and electrical panel exist but were not shown; assumed serviceable unless inspection reveals otherwise.",
        "No evidence of major pest infestation or active mold was visible in photos; stained carpet is assumed to be surface soiling rather than active water/mold damage.",
        "Bedroom windows meet egress size requirements based on appearance in photos but exact dimensions were not measured.",
        "Front entry door includes at least a keyed lock and likely a deadbolt (two hardware pieces visible) but condition should be verified."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 66.8,
      "rubric_version": "1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7921431158"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.