116 Ivy Ave, Bessemer, AL, 35023
Bessemer, AL
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 82.20%
Confidence: 95.00%
Based on photos and listing, this single-family 2-bed home appears to be largely turnkey for Section 8 occupancy after standard verification. Interior shows recent cosmetic and system updates (new-looking flooring, paint, cabinets, counters, range, ceiling fans). Listing indicates a new roof and new HVAC and exterior photos support a recent roof. Primary outstanding verification items for NSPIRE are CO alarm (if required), GFCI protection in kitchen/bath, presence and operation of water heater and hot water, and electrical panel condition — none are shown in photos. No major structural or life-safety hazards are visible. Likely to pass an initial Housing Choice Voucher/NSPIRE inspection with minor, quick fixes or documentation; allow typical 1–3 weeks to check/complete code items and supply any missing appliances or detectors.
Property Fundamentals
Property Description
This nicely updated 2-bedroom home has granite counters, stainless steel appliances, a new roof, new HVAC and much more. The fenced back yard has a large 2-car garage with shop. Contact your agent today to schedule a showing.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that roof and HVAC are new is accurate and the systems are operational.
- Water heater is present and functioning (not shown in photos).
- No active roof leaks, significant mold, or hidden structural damage exist beyond what is visible in the photos.
- At least one smoke detector is installed (visible in bedroom); additional required detectors in common areas may need verification or installation.
- GFCI outlets near sink(s) and a carbon monoxide alarm (if required by local code or presence of fuel-burning appliances) may be present but were not visible in provided photos and should be verified/installed if absent.
- Stainless refrigerator may be present but was not photographed; if not present, landlord will supply or tenant-supplied refrigerator will be allowed per program rules.
- Electrical panel and plumbing supply/drain are intact and have no code violations not visible in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,095 | $115,900 | $23,180 |
| 2023 | $1,095 | $91,100 | $18,220 |
| 2022 | $836 | $69,600 | $13,920 |
| 2021 | $867 | $72,200 | $14,440 |
| 2020 | $340 | $65,300 | $13,060 |
| 2019 | $314 | $61,100 | $6,120 |
| 2018 | $290 | $57,100 | $5,720 |
| 2017 | $311 | $60,600 | $6,060 |
| 2016 | $323 | $62,600 | $6,260 |
| 2015 | $311 | $60,600 | $6,060 |
| 2013 | $382 | $63,400 | $6,340 |
| 2012 | $381 | $71,500 | $7,150 |
| 2011 | $388 | $72,600 | $7,260 |
| 2010 | $388 | $72,600 | $7,260 |
| 2009 | $388 | $72,600 | $7,260 |
| 2008 | $397 | $74,200 | $7,420 |
| 2007 | $392 | $73,300 | $7,330 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-07-27 | Sold | $75,800 |
| 2010-09-03 | Sold | $34,650 |
| 2000-02-28 | Sold | $62,000 |
| 1999-09-23 | Sold | $47,000 |
Photo Gallery
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{
"note": "Property uses public water. 'Bessemer' is the property's city and an option on the schedule.",
"utility": "water",
"allowance": 60
},
{
"note": "Property is connected to a public sewer system. The schedule provides a single fixed rate based on bedroom count.",
"utility": "sewer",
"allowance": 125
},
{
"note": "The property is in Bessemer. The utility schedule for 'Bessemer ISCL' indicates an allowance of $0, 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": "A refrigerator is not listed as a landlord-provided appliance, so it's assumed to be tenant-owned and its electricity usage is accounted for.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a landlord-provided appliance, so it's assumed to be tenant-owned and its electricity usage is accounted for.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.51,
"down_payment_amount": 19500.0,
"property_tax_annual": 1127.85,
"property_tax_monthly": 93.99,
"property_tax_increase": 0.03,
"utility_allowance_total": 322.0,
"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": 3658.72,
"property_management_monthly": 108.6,
"monthly_cash_flow_after_debt": 304.89,
"cash_on_cash_return_after_debt": 0.19
},
"section8_assessment": {
"runs": [
{
"summary": "Based on photos and listing, this single-family 2-bed home appears to be largely turnkey for Section 8 occupancy after standard verification. Interior shows recent cosmetic and system updates (new-looking flooring, paint, cabinets, counters, range, ceiling fans). Listing indicates a new roof and new HVAC and exterior photos support a recent roof. Primary outstanding verification items for NSPIRE are CO alarm (if required), GFCI protection in kitchen/bath, presence and operation of water heater and hot water, and electrical panel condition — none are shown in photos. No major structural or life-safety hazards are visible. Likely to pass an initial Housing Choice Voucher/NSPIRE inspection with minor, quick fixes or documentation; allow typical 1–3 weeks to check/complete code items and supply any missing appliances or detectors.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: new-looking LVP flooring, fresh paint, updated trim, functioning ceiling fans and light fixtures. Kitchen has new-looking cabinets, counters and a stainless electric range; countertops appear intact. Minor cosmetic items visible: open underside of a couple of upper cabinets (missing toe/trim) and no refrigerator shown in photos (listing states stainless appliances). Exterior siding and front steps are intact. These are mostly easy/fast fixes; no major deferred maintenance visible."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "No obvious life-threatening hazards in photos: windows in bedrooms appear adequate for egress, door has knob + apparent deadbolt, outlet covers present, no exposed wiring visible, floor vents and HVAC registers present. A smoke detector is visible in at least one bedroom photo. Unknown/uncertain items that could affect score: presence of CO alarm (required if fuel appliances present), GFCI near kitchen sink not clearly identifiable, hot water and plumbing function not shown. Front steps have handrails on both sides. Because several required items are not clearly visible, a moderate deduction was applied despite no active hazards in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 80.0,
"rationale": "Listing states 'new roof' and 'new HVAC'; roof visible in exterior photo appears recently replaced and in good shape. Floor vents and a ceiling vent register indicate central HVAC distribution. Kitchen range and hood are present and look operational. Electrical panel, water heater and plumbing supply/drain function are not shown; no signs of water intrusion, active leaks or missing heating source were observed. Given visible evidence of recent major updates and no signs of system failure, score is favorable but reduced for unverified water heater/electrical panel/GFCI and lack of photos of mechanical room."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 82.0,
"rationale": "Exterior siding and trim appear in good condition; yard is maintained and the property has a fenced backyard and a 2-car garage/shop per listing. Front concrete steps and metal handrails are present and appear secure. Foundation vents visible and no major foundation separation or sagging seen from exterior photo. Driveway shown partially and looks serviceable. No visible standing water, large cracks, severe siding damage or infestation evidence in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement that roof and HVAC are new is accurate and the systems are operational.",
"Water heater is present and functioning (not shown in photos).",
"No active roof leaks, significant mold, or hidden structural damage exist beyond what is visible in the photos.",
"At least one smoke detector is installed (visible in bedroom); additional required detectors in common areas may need verification or installation.",
"GFCI outlets near sink(s) and a carbon monoxide alarm (if required by local code or presence of fuel-burning appliances) may be present but were not visible in provided photos and should be verified/installed if absent.",
"Stainless refrigerator may be present but was not photographed; if not present, landlord will supply or tenant-supplied refrigerator will be allowed per program rules.",
"Electrical panel and plumbing supply/drain are intact and have no code violations not visible in photos."
],
"overall_score": 82.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this recently renovated 2-bed home appears largely turnkey for Section 8/HCV occupancy with cosmetic updates, a visible range and modern finishes, new roof and new HVAC per listing. Inspection risks are moderate but addressable: verification/install of smoke and CO alarms, confirm kitchen GFCI protection, and confirm functioning water heater and electrical panel. No major structural or life-safety defects are evident in photos. Likely to pass an initial HCV inspection after quick verification and minor items (detectors/GFCI) are completed — target rent-ready timeline within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic renovation: new-looking LVP flooring, fresh paint, new trim, functioning ceiling fans and modern light fixtures. Kitchen has new countertops and an electric range present; cabinets appear in good condition though a few cabinet undersides show unfinished wood (cosmetic). Exterior siding and steps look sound. No major deferred maintenance visible. Easy-to-fix items that may remain: verify missing toe-kick/trim under some cabinets, touch-up paint, and any minor door/threshold sealing. Missing fridge not observed in photos but listing references stainless appliances; if fridge absent this would be an easy-to-fix appliance replacement and only moderately lower readiness."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 78.0,
"rationale": "No visible exposed wiring, no obvious active water intrusion, ceilings appear intact with only a minor hairline ceiling line in living area (not a collapse). Entry door shows both knob and a second lock (likely a deadbolt). Stairs to entry have handrails. Bedrooms have windows that appear large enough for egress, and multiple windows in living areas provide exits. However smoke/CO detectors are not clearly visible in the photos (one small device is visible over a bedroom closet but not confirmed as a listed smoke alarm), and a GFCI outlet at the kitchen sink is not clearly shown — GFCI protection is commonly required for kitchen counters. Electrical panel location/condition and hot-water availability are not shown. These unknowns create moderate inspection risk; if detectors or GFCI are missing they are straightforward installs but required before or at inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electric / Roof)",
"score": 80.0,
"rationale": "Listing states a new roof and new HVAC; exterior roof appears in good visual condition and no active roof leaks or stains are visible inside. HVAC registers and ceiling returns are seen and ceiling fans appear operational. Kitchen sink, faucet and range are present; plumbing fixtures look intact with no visible leaks. Electrical outlets and switches are present and appear finished. Water heater and electrical panel were not photographed, so condition is assumed but unverified. Given the listing claims and lack of visible system distress, systems risk is moderate-low but should be verified (condensate, water heater, panel labeling, and GFCI)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Yard is mowed and the property shows a fenced backyard and a large 2-car garage/shop per listing. Vinyl siding and foundation vents look intact; front concrete steps and small stoop are serviceable with handrails. Roof looks recently replaced. Driveway and walkways visible appear functional. A portion of the side fence appears slightly weathered/tilted in photos (minor). No evidence of standing water, major erosion, infestation, or large foundation displacement observed from exterior photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that roof and HVAC are new is accurate and both systems are functioning.",
"Stainless appliances referenced in the listing include a refrigerator; only the range is clearly visible in photos.",
"Water heater and electrical panel exist and are in serviceable condition though not shown in images.",
"Bedroom windows meet egress requirements based on visible size/configuration in photos; exact sill heights and clear openings not measured.",
"No hidden major mold, termite, or foundational issues exist beyond what is visible; photos show no evidence of these but cannot fully confirm.",
"Garage/shop exists as described; interior condition of garage not inspected in provided photos."
],
"overall_score": 82.0,
"rubric_version": "1.0"
},
{
"summary": "Property appears largely turnkey for Section 8/NSPIRE initial inspection. Interior and exterior photos show a recent, competent cosmetic renovation with new flooring, painted surfaces, updated kitchen, a visible electric range, and a roof that appears new. Listing indicates new HVAC and a fenced yard with a 2-car garage. Primary inspection risks are items not photographed: electrical panel, water heater, number/location of smoke and CO alarms, and GFCI protection in kitchen/bath. These are likely quick verifications or minor fixes. Expect high probability of passing an initial HCV inspection after confirming GFCI outlets and CO/smoke alarm placement and addressing any minor cabinet finish details.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 88.0,
"rationale": "Photos and listing show a recent cosmetic renovation: new-looking vinyl plank floors, fresh paint, new trim, refurbished built-ins, granite/quartz counters and stainless electric range in place. Exterior siding and front steps are intact. Minor cosmetic/finish issues visible (unfinished underside/trim at some kitchen cabinet bases, no visible refrigerator in photos though listing states stainless appliances). No visible flooring, drywall or paint deterioration. Overall turnkey with only minor cosmetic/cabinet trim work expected."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "No obvious life-threatening hazards in photos: windows appear operable and provide bedroom egress, front entry has handrails on steps, no exposed wiring, ceilings show no sagging, and living areas look dry and clean. A smoke alarm is visible in one bedroom photo. Carbon monoxide alarm is not visible (requirement depends on presence of fuel-burning appliances) and GFCI outlets near kitchen sink are not clearly visible in photos (could be at receptacle or at panel). Electrical panel, water heater and other alarms were not photographed. Score reduced for those unknowns and for need to confirm GFCI/CO placement and number/location of smoke detectors for NSPIRE compliance."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, roof, plumbing, electrical)",
"score": 80.0,
"rationale": "Listing states new roof and new HVAC; exterior roof appears new in photos and interior registers are visible indicating forced-air distribution. Electric range present; water heater and electrical panel not shown. No visible evidence of plumbing leaks or water damage inside. Systems score reflects likely new HVAC/roof but deducts for unverified water heater, electrical panel condition and lack of photos of mechanical equipment."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 85.0,
"rationale": "Exterior siding, trim and foundation vents appear in good condition in the front elevation image. Lawn and walkways look serviceable; front steps have handrails. Listing notes a fenced backyard and a large 2-car garage/shop (not pictured) which increases utility for tenants. No obvious drainage or foundation distress visible from provided exterior photo. Minor scoring reduction for limited external views (driveway/garage/yard not photographed)."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statement 'new roof' and 'new HVAC' are accurate and the systems are operational; no photos of HVAC equipment were provided.",
"Stainless appliances referenced in listing include at least the electric range shown; refrigerator not photographed but assumed available or easily provided.",
"No visible signs of active water intrusion or mold in photos; ceilings show minor texture lines but no sagging or staining, so no active leaks inferred.",
"Smoke detector is present in at least one bedroom (visible). Additional detectors and CO alarm locations were not photographed; CO alarm requirement assumed dependent on presence of fuel-burning appliances (none pictured).",
"GFCI protection at kitchen counters is not visibly apparent; it may be present but not shown or provided at the panel. Assume this may need confirmation/upgrading.",
"Garage and fenced yard exist per listing; their condition is assumed serviceable but were not photographed for verification.",
"Electrical panel, water heater and under-slab/drainage conditions were not inspected; assume typical municipal connections and no major defects unless discovered on physical inspection."
],
"overall_score": 83.0,
"rubric_version": "ns_prep_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "116 Ivy Ave, Bessemer, AL, 35023",
"aggregate": {
"summary": "Based on photos and listing, this single-family 2-bed home appears to be largely turnkey for Section 8 occupancy after standard verification. Interior shows recent cosmetic and system updates (new-looking flooring, paint, cabinets, counters, range, ceiling fans). Listing indicates a new roof and new HVAC and exterior photos support a recent roof. Primary outstanding verification items for NSPIRE are CO alarm (if required), GFCI protection in kitchen/bath, presence and operation of water heater and hot water, and electrical panel condition — none are shown in photos. No major structural or life-safety hazards are visible. Likely to pass an initial Housing Choice Voucher/NSPIRE inspection with minor, quick fixes or documentation; allow typical 1–3 weeks to check/complete code items and supply any missing appliances or detectors.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 86.0,
"rationale": "Interior appears recently renovated: new-looking LVP flooring, fresh paint, updated trim, functioning ceiling fans and light fixtures. Kitchen has new-looking cabinets, counters and a stainless electric range; countertops appear intact. Minor cosmetic items visible: open underside of a couple of upper cabinets (missing toe/trim) and no refrigerator shown in photos (listing states stainless appliances). Exterior siding and front steps are intact. These are mostly easy/fast fixes; no major deferred maintenance visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 84.0,
"rationale": "Exterior siding and trim appear in good condition; yard is maintained and the property has a fenced backyard and a 2-car garage/shop per listing. Front concrete steps and metal handrails are present and appear secure. Foundation vents visible and no major foundation separation or sagging seen from exterior photo. Driveway shown partially and looks serviceable. No visible standing water, large cracks, severe siding damage or infestation evidence in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "No obvious life-threatening hazards in photos: windows in bedrooms appear adequate for egress, door has knob + apparent deadbolt, outlet covers present, no exposed wiring visible, floor vents and HVAC registers present. A smoke detector is visible in at least one bedroom photo. Unknown/uncertain items that could affect score: presence of CO alarm (required if fuel appliances present), GFCI near kitchen sink not clearly identifiable, hot water and plumbing function not shown. Front steps have handrails on both sides. Because several required items are not clearly visible, a moderate deduction was applied despite no active hazards in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 80.0,
"rationale": "Listing states 'new roof' and 'new HVAC'; roof visible in exterior photo appears recently replaced and in good shape. Floor vents and a ceiling vent register indicate central HVAC distribution. Kitchen range and hood are present and look operational. Electrical panel, water heater and plumbing supply/drain function are not shown; no signs of water intrusion, active leaks or missing heating source were observed. Given visible evidence of recent major updates and no signs of system failure, score is favorable but reduced for unverified water heater/electrical panel/GFCI and lack of photos of mechanical room."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing statement that roof and HVAC are new is accurate and the systems are operational.",
"Water heater is present and functioning (not shown in photos).",
"No active roof leaks, significant mold, or hidden structural damage exist beyond what is visible in the photos.",
"At least one smoke detector is installed (visible in bedroom); additional required detectors in common areas may need verification or installation.",
"GFCI outlets near sink(s) and a carbon monoxide alarm (if required by local code or presence of fuel-burning appliances) may be present but were not visible in provided photos and should be verified/installed if absent.",
"Stainless refrigerator may be present but was not photographed; if not present, landlord will supply or tenant-supplied refrigerator will be allowed per program rules.",
"Electrical panel and plumbing supply/drain are intact and have no code violations not visible in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 82.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7933824270"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.