Property ID: 7930384431
1019 Manor Dr, Bessemer, AL, 35020
Bessemer, AL
Money Down: $28,560
CoC Return: 27.56%
Monthly Cash Flow: $656
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,800
Closing Costs
$4,760
Total Down
$28,560
Investment Snapshot
Purchase Price
$119,000
Money Down
$28,560
Cash-on-Cash Return
27.56%
Rent
$1,536
Monthly Cash Flow
$656
Annual Cash Flow
$7,871
Debt Service / Mo
$633
Property Tax / Mo
$22
Insurance / Mo
$71
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,536
Payment Standard
$1,859
Rent
$1,536
Insurance
$71
Property Tax
$22
Management
$154
Utilities Allowance
$323
NOI (Monthly)
$1,289
Debt Service
$633
Cash Flow After Debt
$656
Quality Score: 63.70%
Confidence: 95.00%
This 5BR/2BA property appears livable with appliances present and mostly intact interior finishes; several cosmetic repairs and some system verifications are needed. The most significant inspection risks are absence of visible smoke and CO detectors, likely non-GFCI kitchen outlets, unclear/partial HVAC (window units observed) and a trip hazard at the front bay/driveway area. With targeted corrections (install/verify smoke & CO detectors, install GFCI where required, repair front step/brick, verify HVAC and water heater operation, and address minor cosmetic work) the property could pass an initial HCV inspection within 1–4 weeks. Currently readiness is moderate — likely needs minor-to-moderate repairs and verifications before passing NSPIRE/Section 8 inspection.
Section 8 Payment Standard
$1,859
Utility Allowance Total
$323
Guaranteed Section 8 Rent (PS - Utilities)
$1,536
Property Management
$154
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,000
Beds
5
Baths
2
Living Area
1,681 sqft
Lot Size
15,682 sqft
Year Built
1960
Days on Market
174
Capital Outlay
$28,560
Debt Service
$633
Property Tax / Mo
$22
Insurance / Mo
$71
Property Description
Attention Investors-Great opportunity to buy this home that will bring in large rent. Nice location close to everything. 5 bedrooms 2 full baths, Living Room, Den. Come see this one and make it into the perfect home.
Utility Allowances
heating
$56
Property has gas appliances (cooktop/oven), suggesting gas heating. 'Spire' is a major regional provider. Selected 'N'Gas: Spire' for a 5-bedroom single-family home.
cooling
$22
Property has electric cooling (window units) and is located in Bessemer. Selected 'A/C: Bessemer' for a 5-bedroom single-family home.
water_heating
$55
Property has an electric water heater and is located in Bessemer. Selected 'Elec: Bessemer' for a 5-bedroom single-family home.
cooking
$22
Property has a gas cooktop/oven. 'Spire' is a major regional provider. Selected 'N'Gas: Spire' for a 5-bedroom single-family home.
other_electric
$71
This is a general allowance for lights and tenant-owned appliances. Selected 'Lights, Ref, Etc.: Bessemer' as the property is located in Bessemer.
water
$83
Property has public water and is located in Bessemer. Selected 'Water: Bessemer' for a 5-bedroom single-family home.
sewer
$0
Property uses a septic tank, not a public sewer system. Allowance is $0.
trash_collection
$0
Property is in Bessemer. The schedule for 'Bessemer ISCL' indicates a $0 allowance, suggesting this service is typically included in taxes or provided by the city at no separate charge to the tenant.
refrigerator
$8
The property does not explicitly state a refrigerator is included, so it is assumed to be tenant-owned.
range_microwave
$6
The property does not explicitly state a microwave is included, so it is assumed to be tenant-owned.
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$702
DP3 Annual Estimate$1,006
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$84
Replacement Value$77,100
Basis1,681 sqft / 1960
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Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE failure risk).
- Kitchen outlets near sink do not show GFCI protection (inspection risk).
- Trip hazard / damaged brick/raised step at front bay window / driveway edge visible in front photo.
- Unclear heating system: visible window A/C units and no clear central heating evidence — must verify working heating capable of maintaining required temperatures.
- Ceiling tile seams/minor sag and patched ceiling panels observed (could indicate past leaks or deterioration requiring verification).
Assumptions
- No rental history in last 5 years (snapshot shows missing) and thus rental_history_activity excluded from scoring.
- Photos are representative of the whole unit; areas not shown (electrical panel, water heater, attic, bathrooms) are assumed not to have visible major defects, but their condition is unknown.
- Absence of visible smoke/CO detectors in photos means they are likely missing or not in required locations — they will need to be installed/verified.
- Kitchen outlets shown are standard receptacles without GFCI protection unless otherwise hidden (no GFCI visibly present in photos).
- Window A/C units indicate either no central HVAC or intermittent use; full heating system condition and hot water availability are unknown and assumed unverified.
- Exterior observations are based on front-elevation photos only; rear/side conditions and roof beyond what is visible may differ.
- No active water intrusion, major mold, or structural sagging was visible in provided images; if present in non-photographed areas, scores would be lower.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2008 | $256 | $60,700 | $6,070 |
| 2007 | $700 | $68,400 | $13,680 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-01-17 | Sold | $1,000 |
Photo Gallery
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"status": "for_sale",
"list_date": "2025-08-26T22:15:53Z",
"list_price": 119000,
"listing_id": "2985762348",
"last_update_date": "2026-02-16T01:27:05Z",
"last_status_change_date": "2025-08-26T22:15:53Z"
},
"event_name": "Price Changed",
"price_sqft": 72.5758477096966,
"source_name": "GreaterAlabamaMLS",
"price_change": -1499,
"days_after_listed": null,
"source_listing_id": "21429299",
"price_change_percentage": null
},
{
"date": "2025-10-13",
"price": 123499,
"listing": {
"status": "for_sale",
"list_date": "2025-08-26T22:15:53Z",
"list_price": 119000,
"listing_id": "2985762348",
"last_update_date": "2026-02-16T01:27:05Z",
"last_status_change_date": "2025-08-26T22:15:53Z"
},
"event_name": "Price Changed",
"price_sqft": 73.46757882212968,
"source_name": "GreaterAlabamaMLS",
"price_change": -1501,
"days_after_listed": null,
"source_listing_id": "21429299",
"price_change_percentage": null
},
{
"date": "2025-08-26",
"price": 125000,
"listing": {
"status": "for_sale",
"list_date": "2025-08-26T22:15:53Z",
"list_price": 119000,
"listing_id": "2985762348",
"last_update_date": "2026-02-16T01:27:05Z",
"last_status_change_date": "2025-08-26T22:15:53Z"
},
"event_name": "Listed",
"price_sqft": 74.360499702558,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21429299",
"price_change_percentage": null
},
{
"date": "2025-07-26",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-01-26T08:27:28Z",
"list_price": 135000,
"listing_id": "2977620926",
"last_update_date": "2025-07-09T20:56:25Z",
"last_status_change_date": "2025-07-26T07:54:37Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "181 days",
"source_listing_id": "21407674",
"price_change_percentage": null
},
{
"date": "2025-07-09",
"price": 135000,
"listing": {
"status": "off_market",
"list_date": "2025-01-26T08:27:28Z",
"list_price": 135000,
"listing_id": "2977620926",
"last_update_date": "2025-07-09T20:56:25Z",
"last_status_change_date": "2025-07-26T07:54:37Z"
},
"event_name": "Price Changed",
"price_sqft": 80.35714285714286,
"source_name": "GreaterAlabamaMLS",
"price_change": -14000,
"days_after_listed": null,
"source_listing_id": "21407674",
"price_change_percentage": null
},
{
"date": "2025-06-18",
"price": 149000,
"listing": {
"status": "off_market",
"list_date": "2025-01-26T08:27:28Z",
"list_price": 135000,
"listing_id": "2977620926",
"last_update_date": "2025-07-09T20:56:25Z",
"last_status_change_date": "2025-07-26T07:54:37Z"
},
"event_name": "Price Changed",
"price_sqft": 88.69047619047619,
"source_name": "GreaterAlabamaMLS",
"price_change": -10900,
"days_after_listed": null,
"source_listing_id": "21407674",
"price_change_percentage": null
},
{
"date": "2025-03-21",
"price": 159900,
"listing": {
"status": "off_market",
"list_date": "2025-01-26T08:27:28Z",
"list_price": 135000,
"listing_id": "2977620926",
"last_update_date": "2025-07-09T20:56:25Z",
"last_status_change_date": "2025-07-26T07:54:37Z"
},
"event_name": "Price Changed",
"price_sqft": 95.17857142857143,
"source_name": "GreaterAlabamaMLS",
"price_change": -15100,
"days_after_listed": null,
"source_listing_id": "21407674",
"price_change_percentage": null
},
{
"date": "2025-01-26",
"price": 175000,
"listing": {
"status": "off_market",
"list_date": "2025-01-26T08:27:28Z",
"list_price": 135000,
"listing_id": "2977620926",
"last_update_date": "2025-07-09T20:56:25Z",
"last_status_change_date": "2025-07-26T07:54:37Z"
},
"event_name": "Listed",
"price_sqft": 104.16666666666667,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21407674",
"price_change_percentage": "+191.67%"
},
{
"date": "2006-10-31",
"price": 60000,
"listing": {
"status": "sold",
"list_date": "2006-08-22T07:00:00Z",
"list_price": 64900,
"listing_id": "542268083",
"last_update_date": "2006-11-01T04:23:50Z",
"last_status_change_date": "2006-10-31T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -4900,
"days_after_listed": "70 days",
"source_listing_id": "312200",
"price_change_percentage": "-7.55%"
},
{
"date": "2006-08-22",
"price": 64900,
"listing": {
"status": "sold",
"list_date": "2006-08-22T07:00:00Z",
"list_price": 64900,
"listing_id": "542268083",
"last_update_date": "2006-11-01T04:23:50Z",
"last_status_change_date": "2006-10-31T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "312200",
"price_change_percentage": null
},
{
"date": "2006-05-30",
"price": 72000,
"listing": {
"status": "off_market",
"list_date": "2005-11-14T07:00:00Z",
"list_price": 72000,
"listing_id": "542074883",
"last_update_date": "2006-05-31T12:00:00Z",
"last_status_change_date": "2006-05-30T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "197 days",
"source_listing_id": "281999",
"price_change_percentage": null
},
{
"date": "2005-11-14",
"price": 72000,
"listing": {
"status": "off_market",
"list_date": "2005-11-14T07:00:00Z",
"list_price": 72000,
"listing_id": "542074883",
"last_update_date": "2006-05-31T12:00:00Z",
"last_status_change_date": "2006-05-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "281999",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Final",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Jan 9, 2024",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Hvac",
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "7930384431",
"generated_at": "2026-02-16T01:44:18.659544Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 63.7
},
"utility_allowance": {
"zip_code": "35020",
"home_photo": "https://ap.rdcpix.com/8f785b8d6896316ce84b4146d7ca5e71l-m2572864199s-w1280.jpg",
"rent_price": 1536.0,
"loan_amount": 95200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1019-Manor-Dr_Bessemer_AL_35020_M79303-84431",
"bedroom_count": 5,
"interest_rate": 0.07,
"purchase_price": 119000.0,
"loan_term_years": 30,
"annual_cash_flow": 15471.12,
"mortgage_monthly": 633.37,
"payment_standard": 1859.0,
"total_amount_out": 23800.0,
"additional_photos": [
"https://ap.rdcpix.com/8f785b8d6896316ce84b4146d7ca5e71l-m1757256430s-w1280.jpg",
"https://ap.rdcpix.com/8f785b8d6896316ce84b4146d7ca5e71l-m2231330269s-w1280.jpg",
"https://ap.rdcpix.com/8f785b8d6896316ce84b4146d7ca5e71l-m2989090968s-w1280.jpg",
"https://ap.rdcpix.com/8f785b8d6896316ce84b4146d7ca5e71l-m565030017s-w1280.jpg",
"https://ap.rdcpix.com/8f785b8d6896316ce84b4146d7ca5e71l-m604443000s-w1280.jpg",
"https://ap.rdcpix.com/8f785b8d6896316ce84b4146d7ca5e71l-m103755742s-w1280.jpg",
"https://ap.rdcpix.com/8f785b8d6896316ce84b4146d7ca5e71l-m1718887816s-w1280.jpg",
"https://ap.rdcpix.com/8f785b8d6896316ce84b4146d7ca5e71l-m1001033149s-w1280.jpg",
"https://ap.rdcpix.com/8f785b8d6896316ce84b4146d7ca5e71l-m3180370069s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 71.17,
"monthly_cash_flow": 1289.26,
"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 gas appliances (cooktop/oven), suggesting gas heating. 'Spire' is a major regional provider. Selected 'N'Gas: Spire' for a 5-bedroom single-family home.",
"utility": "heating",
"allowance": 56
},
{
"note": "Property has electric cooling (window units) and is located in Bessemer. Selected 'A/C: Bessemer' for a 5-bedroom single-family home.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property has an electric water heater and is located in Bessemer. Selected 'Elec: Bessemer' for a 5-bedroom single-family home.",
"utility": "water_heating",
"allowance": 55
},
{
"note": "Property has a gas cooktop/oven. 'Spire' is a major regional provider. Selected 'N'Gas: Spire' for a 5-bedroom single-family home.",
"utility": "cooking",
"allowance": 22
},
{
"note": "This is a general allowance for lights and tenant-owned appliances. Selected 'Lights, Ref, Etc.: Bessemer' as the property is located in Bessemer.",
"utility": "other_electric",
"allowance": 71
},
{
"note": "Property has public water and is located in Bessemer. Selected 'Water: Bessemer' for a 5-bedroom single-family home.",
"utility": "water",
"allowance": 83
},
{
"note": "Property uses a septic tank, not a public sewer system. Allowance is $0.",
"utility": "sewer",
"allowance": 0
},
{
"note": "Property is in Bessemer. The schedule for 'Bessemer ISCL' indicates a $0 allowance, suggesting this service is typically included in taxes or provided by the city at no separate charge to the tenant.",
"utility": "trash_collection",
"allowance": 0
},
{
"note": "The property does not explicitly state a refrigerator is included, so it is assumed to be tenant-owned.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "The property does not explicitly state a microwave is included, so it is assumed to be tenant-owned.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.65,
"down_payment_amount": 23800.0,
"property_tax_annual": 263.68,
"property_tax_monthly": 21.97,
"property_tax_increase": 0.03,
"utility_allowance_total": 323.0,
"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": 2008,
"annual_cash_flow_after_debt": 7870.7,
"property_management_monthly": 153.6,
"monthly_cash_flow_after_debt": 655.89,
"cash_on_cash_return_after_debt": 0.33
},
"section8_assessment": {
"runs": [
{
"summary": "This 5BR/2BA property appears livable with appliances present and mostly intact interior finishes; several cosmetic repairs and some system verifications are needed. The most significant inspection risks are absence of visible smoke and CO detectors, likely non-GFCI kitchen outlets, unclear/partial HVAC (window units observed) and a trip hazard at the front bay/driveway area. With targeted corrections (install/verify smoke & CO detectors, install GFCI where required, repair front step/brick, verify HVAC and water heater operation, and address minor cosmetic work) the property could pass an initial HCV inspection within 1–4 weeks. Currently readiness is moderate — likely needs minor-to-moderate repairs and verifications before passing NSPIRE/Section 8 inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Interior finishes appear mostly intact: newer-looking laminate flooring, intact cabinets, working range and refrigerator present. Cosmetic issues visible include scuffed cabinet faces, some cabinet replacement/repair needs (lower cabinets show wear), ceiling tile seams and minor sag in places, patched/uneven trim, and exterior paint/trim wear. Missing or worn minor items (curtain rods, a small freestanding mini-fridge in living area) are easy-to-fix. Overall these are mostly cosmetic and small maintenance items rather than major structural defects."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Photos show no visible smoke detectors or carbon monoxide detectors (none observed in bedrooms, hallways, or living areas) which is an NSPIRE/PHAs common failure point. Kitchen outlets near sink do not show GFCI devices in photos. There are window A/C units in some rooms rather than a clearly visible central heating system; presence of a gas range implies the need to verify safe gas connections and possible CO alarm requirements. The front exterior shows a low/loose brick area and a raised/uneven section at the bay window entry that is a trip hazard. No obvious exposed wiring or collapse/structural failure is visible. Because of the detector and GFCI issues, this presents moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Plumbing fixtures and kitchen sink appear present and usable. A gas range and refrigerator are in place (positive). HVAC system type and condition is unclear: window units are visible and there is a ceiling vent in one photo (possible partial/unknown central), but no clear evidence of a fully functional central heating/cooling system—this raises risk until verified. Roof condition from front elevation appears serviceable with no visible active leaks in photos, but attic, water heater and electrical panel were not shown. Electrical receptacles and switches are present; no open live wiring seen in images. Given unknowns around heating, water heater and electrical panel, rating is moderate."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Front elevation and yard show an intact roofline and siding/bricks but paint/trim is weathered and landscaping is overgrown. Driveway shows cracking and surface deterioration. The brick planter/step at the bay window appears damaged/uneven and there is a small trip hazard area near the driveway edge. No obvious major foundation displacement or active standing water was visible from the provided front view. Overall exterior needs yard cleanup, minor masonry/driveway repair, and repainting but not structural replacement based on photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE failure risk).",
"Kitchen outlets near sink do not show GFCI protection (inspection risk).",
"Trip hazard / damaged brick/raised step at front bay window / driveway edge visible in front photo.",
"Unclear heating system: visible window A/C units and no clear central heating evidence — must verify working heating capable of maintaining required temperatures.",
"Ceiling tile seams/minor sag and patched ceiling panels observed (could indicate past leaks or deterioration requiring verification)."
],
"confidence": 0.65,
"assumptions": [
"No rental history in last 5 years (snapshot shows missing) and thus rental_history_activity excluded from scoring.",
"Photos are representative of the whole unit; areas not shown (electrical panel, water heater, attic, bathrooms) are assumed not to have visible major defects, but their condition is unknown.",
"Absence of visible smoke/CO detectors in photos means they are likely missing or not in required locations — they will need to be installed/verified.",
"Kitchen outlets shown are standard receptacles without GFCI protection unless otherwise hidden (no GFCI visibly present in photos).",
"Window A/C units indicate either no central HVAC or intermittent use; full heating system condition and hot water availability are unknown and assumed unverified.",
"Exterior observations are based on front-elevation photos only; rear/side conditions and roof beyond what is visible may differ.",
"No active water intrusion, major mold, or structural sagging was visible in provided images; if present in non-photographed areas, scores would be lower."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 5-bed, 2-bath house appears functionally serviceable and cosmetically in fair condition — likely a 30-day minor-repair project to meet HCV/NSPIRE standards if systems test out. Primary issues to address before an initial Housing Choice Voucher inspection: install/verify smoke and CO detectors, confirm and/or repair HVAC and water heating systems, correct kitchen venting and add GFCI protection where required, and repair the broken/unlevel front step/landing. Most items are moderate-cost repairs rather than structural emergencies, but several system verifications (electrical panel, heating, water heater, roof) are needed to confirm passability.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears cosmetically updated: new-looking vinyl plank flooring, painted walls, intact cabinetry and countertops. Kitchen appliances (gas range and refrigerator) are present but used and cosmetic-scuffed. Minor finish repairs visible (scuffed appliances, cabinet wear, small trim/baseboard touch-ups, ceiling tile seams). No widespread visible water damage or collapsed finishes. These are primarily easy-to-fix or capital items (paint, trim, appliance touch/replace, minor carpentry)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 58.0,
"rationale": "Several NSPIRE safety items not verifiable or likely deficient from photos: no smoke detectors or CO alarms visible in living areas; kitchen has a gas range (CO alarm required in many jurisdictions). GFCI protection not evident on visible kitchen outlets. Window units are present in bedrooms/living areas which suggests inconsistent heating/cooling sources; entry has a security door and locks likely present. Front step/brick landing is broken/unlevel producing a trip hazard. No obvious exposed high-voltage wiring seen in photos, but some outlet covers/fixtures are not clearly shown. Overall there are moderate safety/code risks that are addressable but require corrective work and verification."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 50.0,
"rationale": "Major systems are not fully documented in photos. Evidence: ceiling HVAC vent/grille visible (suggesting some central HVAC/ducting) but window AC units are also present (possible partial/nonfunctional central system). Water heater, electrical panel, and furnace/air handler are not shown. Kitchen hood ducting is exposed and appears improvised which raises venting/combustion-vent concerns for a gas range. Because key systems are unknown or only partially documented, treat as moderate risk until inspected and serviced. Repairs could range from routine servicing to replacement of aging components."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior brick/siding and roofline appear generally intact from the front photo with no visible sagging or major roof collapse. Yard is tidy but dry; driveway is cracked and shows wear. Front step/brick bay area has visible broken/unlevel masonry creating a trip hazard and will need repair. Trees are close to the roofline (regular maintenance recommended). No standing water or obvious foundation displacement visible from available photo; however foundation condition not fully verifiable from images alone."
}
],
"red_flags": [
"No smoke detectors visible in living areas (required for pass).",
"No carbon monoxide detector visible despite presence of a gas range.",
"Possible missing GFCI protection for kitchen outlets.",
"Damaged/unlevel front step/brick landing creating a trip hazard at main entry.",
"Exposed/retrofit kitchen hood ducting — potential improper gas venting/combustion vent concern.",
"Key systems not shown (electrical panel, water heater, furnace) — unknown condition represents inspection risk."
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or CO alarms are installed or are not visible in provided photos; they will need to be installed/verified.",
"Kitchen gas range is connected but its ventilation and gas shutoff are unknown — hood ducting visible may be improvised and requires verification by a tradesperson.",
"Central HVAC presence is assumed (visible ceiling vent/grille) but functionality is unverified; window AC units indicate possible partial or nonfunctional central cooling.",
"Water heater and electrical panel condition are not shown; assume they are original/aging and require inspection.",
"Bathrooms (not photographed) are assumed present and functioning per listing but need verification of hot water, GFCI (if required), and sanitary condition.",
"No evidence of major structural movement or roof collapse from exterior photo; assume foundation is serviceable absent further documentation."
],
"overall_score": 63.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "This 1960-built single-family appears renovatable and could pass an initial HCV/NSPIRE inspection after addressing moderate issues: install/verify smoke and CO detectors, repair/replace the damaged front entry step (trip hazard), confirm and/or repair heating system and water heater, verify GFCI protection in kitchen/bath, and correct the improvised kitchen hood/ducting. Cosmetic repairs and some fixture replacements required. Estimated time-to-rent: minor-to-moderate repairs (2–6 weeks) depending on systems verification.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior photos show generally intact finishes, recent-looking vinyl plank flooring and painted walls. Kitchen has working appliances (refrigerator, gas range) but cabinets and a lower cabinet face show wear; some baseboard/trim and ceiling edge seams need finishing. Cosmetic updates and a few replacement fixtures/trim will be needed but no widespread structural finish failure is visible. Missing/dated light fixtures and a dented fridge reduce score moderately."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Visible safety concerns: no smoke detectors or CO alarms are visible in photos (required), front entry has a broken/deteriorated step/landing creating a trip hazard, and the kitchen hood/duct looks improvised. Bedroom windows appear to offer egress in most rooms but specific measurements not provided. GFCI presence at kitchen sink not confirmed. No active water intrusion or severe mold visible. These issues represent moderate NSPIRE inspection risks that require corrective action prior to occupancy."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing)",
"score": 60.0,
"rationale": "Kitchen plumbing and gas range are present; no visible active leaks. A ceiling vent/grille is visible (suggesting central HVAC), but many rooms have window AC units and no clear evidence of an operational central heating system or the water heater; electrical panel and service condition are not shown. HVAC, water heater and electrical system condition must be verified; lack of visible central heat or equipment lowers the score due to uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front roofline and siding/brick appear intact from the provided front elevation. Yard is overgrown/dry and driveway has cracking; front bay/stoop shows damaged step/landing creating an exterior trip hazard. No visible major foundation cracking, standing water, or collapsed structures in photos. Exterior maintenance and repairs to the front stoop/driveway and trimming will be needed."
}
],
"red_flags": [
"Damaged/unsafe front entry step/stoop creating an immediate trip hazard",
"No visible smoke detectors or carbon monoxide alarms in photos (required by NSPIRE/HUD)",
"No clearly visible centralized heating system or hot water equipment in photos — must verify heating/hot water provision",
"Potential lead-based paint risk (home built 1960) if paint is disturbed during repairs"
],
"confidence": 0.65,
"assumptions": [
"No rental history in last 5 years (property snapshot shows missing rental history).",
"Heating system and water heater are present and operational but not visible in provided photos — this is assumed but must be verified. If absent, score and readiness timeline would drop materially.",
"Electrical service and panel are present and intact although not shown; no obvious exposed live wiring was observed in photos.",
"No active roof leaks or major structural movement are present — roof appears intact from front elevation but full roof inspection not available.",
"Interior painted surfaces are assumed to be intact with no significant peeling; lead-based paint risk exists due to 1960 construction and should be addressed per HUD rules if disturbed.",
"No evidence of severe mold, pest infestation, or flooding was visible in photos; such issues would change the assessment if found on-site.",
"Appliances shown (refrigerator and gas range) are present but age/operability should be verified; missing appliances would moderately reduce readiness but are not fatal to inspection readiness."
],
"overall_score": 64.0,
"rubric_version": "ns-py-2026-01"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1019 Manor Dr, Bessemer, AL, 35020",
"aggregate": {
"summary": "This 5BR/2BA property appears livable with appliances present and mostly intact interior finishes; several cosmetic repairs and some system verifications are needed. The most significant inspection risks are absence of visible smoke and CO detectors, likely non-GFCI kitchen outlets, unclear/partial HVAC (window units observed) and a trip hazard at the front bay/driveway area. With targeted corrections (install/verify smoke & CO detectors, install GFCI where required, repair front step/brick, verify HVAC and water heater operation, and address minor cosmetic work) the property could pass an initial HCV inspection within 1–4 weeks. Currently readiness is moderate — likely needs minor-to-moderate repairs and verifications before passing NSPIRE/Section 8 inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 73.3,
"rationale": "Interior finishes appear mostly intact: newer-looking laminate flooring, intact cabinets, working range and refrigerator present. Cosmetic issues visible include scuffed cabinet faces, some cabinet replacement/repair needs (lower cabinets show wear), ceiling tile seams and minor sag in places, patched/uneven trim, and exterior paint/trim wear. Missing or worn minor items (curtain rods, a small freestanding mini-fridge in living area) are easy-to-fix. Overall these are mostly cosmetic and small maintenance items rather than major structural defects."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 66.7,
"rationale": "Front elevation and yard show an intact roofline and siding/bricks but paint/trim is weathered and landscaping is overgrown. Driveway shows cracking and surface deterioration. The brick planter/step at the bay window appears damaged/uneven and there is a small trip hazard area near the driveway edge. No obvious major foundation displacement or active standing water was visible from the provided front view. Overall exterior needs yard cleanup, minor masonry/driveway repair, and repainting but not structural replacement based on photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 56.0,
"rationale": "Photos show no visible smoke detectors or carbon monoxide detectors (none observed in bedrooms, hallways, or living areas) which is an NSPIRE/PHAs common failure point. Kitchen outlets near sink do not show GFCI devices in photos. There are window A/C units in some rooms rather than a clearly visible central heating system; presence of a gas range implies the need to verify safe gas connections and possible CO alarm requirements. The front exterior shows a low/loose brick area and a raised/uneven section at the bay window entry that is a trip hazard. No obvious exposed wiring or collapse/structural failure is visible. Because of the detector and GFCI issues, this presents moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 56.7,
"rationale": "Plumbing fixtures and kitchen sink appear present and usable. A gas range and refrigerator are in place (positive). HVAC system type and condition is unclear: window units are visible and there is a ceiling vent in one photo (possible partial/unknown central), but no clear evidence of a fully functional central heating/cooling system—this raises risk until verified. Roof condition from front elevation appears serviceable with no visible active leaks in photos, but attic, water heater and electrical panel were not shown. Electrical receptacles and switches are present; no open live wiring seen in images. Given unknowns around heating, water heater and electrical panel, rating is moderate."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE failure risk).",
"Kitchen outlets near sink do not show GFCI protection (inspection risk).",
"Trip hazard / damaged brick/raised step at front bay window / driveway edge visible in front photo.",
"Unclear heating system: visible window A/C units and no clear central heating evidence — must verify working heating capable of maintaining required temperatures.",
"Ceiling tile seams/minor sag and patched ceiling panels observed (could indicate past leaks or deterioration requiring verification)."
],
"confidence": 0.95,
"assumptions": [
"No rental history in last 5 years (snapshot shows missing) and thus rental_history_activity excluded from scoring.",
"Photos are representative of the whole unit; areas not shown (electrical panel, water heater, attic, bathrooms) are assumed not to have visible major defects, but their condition is unknown.",
"Absence of visible smoke/CO detectors in photos means they are likely missing or not in required locations — they will need to be installed/verified.",
"Kitchen outlets shown are standard receptacles without GFCI protection unless otherwise hidden (no GFCI visibly present in photos).",
"Window A/C units indicate either no central HVAC or intermittent use; full heating system condition and hot water availability are unknown and assumed unverified.",
"Exterior observations are based on front-elevation photos only; rear/side conditions and roof beyond what is visible may differ.",
"No active water intrusion, major mold, or structural sagging was visible in provided images; if present in non-photographed areas, scores would be lower."
],
"score_method": "mean_of_criteria",
"overall_score": 63.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7930384431"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.