Property ID: 7935709701
1404 Drake Ln, Gretna, LA, 70056
Gretna, LA
Money Down: $59,976
CoC Return: -2.36%
Monthly Cash Flow: $-118
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$49,980
Closing Costs
$9,996
Total Down
$59,976
Investment Snapshot
Purchase Price
$249,900
Money Down
$59,976
Cash-on-Cash Return
-2.36%
Rent
$1,696
Monthly Cash Flow
$-118
Annual Cash Flow
$-1,413
Debt Service / Mo
$1,330
Property Tax / Mo
$182
Insurance / Mo
$132
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$132
Property Tax
$182
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,212
Debt Service
$1,330
Cash Flow After Debt
$-118
Quality Score: 76.00%
Confidence: 95.00%
This 3BR/2BA single-family home appears largely renovated and would likely pass an initial Housing Choice Voucher (NSPIRE) inspection after a short punch-list: verify and/or install smoke and carbon monoxide alarms, confirm GFCI protection at kitchen and bathrooms, secure loose low-voltage wiring, confirm HVAC and water heater operation, and trim/remove hazardous tree limbs near the roof. No major structural or life-safety failures are evident from photos. Expect rent-ready status within 1–4 weeks if the noted verifications and small repairs are completed.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$249,900
Beds
3
Baths
2
Living Area
1,700 sqft
Lot Size
—
Year Built
1987
Days on Market
16
Capital Outlay
$59,976
Debt Service
$1,330
Property Tax / Mo
$182
Insurance / Mo
$132
Property Description
Absolutely stunning home in demand area of Gretna. Completely renovated with great finishes. 20 foot master bedroom with custom closets. No carpet in home. Automatic garage door opener, fireplace. Large covered patio, 2 car garage. Formal dining room with stunning light accents. 2 car attached garage. Too many extras to list. Large storge shed.
Utility Allowances
Heating
$70
Selected 'natural_gas' as the property information indicates central heating and the availability of natural gas.
Cooking
$12
Selected 'natural_gas' as the property has a range/oven and natural gas service.
Water Heating
$24
Selected 'natural_gas' as it is available at the property, making it the most common fuel for water heating.
Water
$43
The property information explicitly states a 'Public' water source.
Sewer
$46
The property information explicitly states a 'City' sewer connection.
Trash Collection
$25
Trash collection is a standard municipal service for a single-family home.
Other Electric
$67
This is a standard allowance for general electricity usage such as lighting, appliances, and outlets.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,590
DP3 Annual Estimate$1,590
DP1 Monthly Equivalent$132
DP3 Monthly Equivalent$132
Replacement Value$114,100
Basis1,700 sqft / 1987
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos represent current condition throughout the primary living spaces; no unseen severe damage exists in unpictured areas (attic, crawlspace, behind appliances).
- Kitchen appliances shown (range, dishwasher) are present and operable; refrigerator may or may not be included (not pictured).
- Central HVAC system is present and operational (supply/return vents visible), but full functionality is unconfirmed without system test.
- No smoke detectors or CO alarms are visible in listing photos; assume they may be missing or not shown and should be verified/installed to meet NSPIRE.
- Electrical panel, water heater, and GFCI protection locations are not shown; assumed serviceable but require verification during inspection.
- Fireplace is a sealed insert (likely gas/electric) but fuel type and proper venting must be verified; no evidence of chimney failure in exterior photos.
- No evidence of active water intrusion, major mold, foundation displacement, or collapsed ceilings in provided images.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,115 | $159,000 | $15,900 |
| 2024 | $2,109 | $159,000 | $15,900 |
| 2023 | $1,895 | $145,000 | $14,500 |
| 2022 | $1,847 | $145,000 | $14,500 |
| 2021 | $1,741 | $145,000 | $14,500 |
| 2020 | $1,728 | $145,000 | $14,500 |
| 2019 | $1,773 | $145,000 | $14,500 |
| 2018 | $1,656 | $145,000 | $14,500 |
| 2017 | $1,587 | $145,000 | $14,500 |
| 2016 | $1,555 | $145,000 | $14,500 |
| 2015 | $1,594 | $145,000 | $14,500 |
| 2014 | $1,574 | $145,000 | $14,500 |
| 2013 | $1,521 | $145,000 | $14,500 |
| 2012 | $734 | $145,000 | $14,500 |
| 2011 | $1,523 | $145,000 | $14,500 |
| 2010 | $1,598 | $156,000 | $15,600 |
| 2009 | $1,598 | $156,000 | $15,600 |
| 2008 | $821 | — | $15,600 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-24 | Listed | $249,900 |
| 2026-02-03 | Listing removed | $0 |
| 2025-12-31 | Listed for rent | $2,450 |
| 2025-04-10 | Listing removed | $0 |
| 2025-04-02 | Listed for rent | $2,475 |
| 2011-10-17 | Sold | $0 |
| 2010-06-23 | Sold | $0 |
| 2010-06-22 | Listing removed | $149,000 |
| 2010-05-21 | Relisted | $149,000 |
| 2010-05-11 | Listing removed | $149,000 |
| 2010-05-09 | Price Changed | $149,000 |
| 2009-11-20 | Listed | $169,900 |
| 2005-12-06 | Sold | $0 |
| 1986-08-01 | Sold | $0 |
Photo Gallery
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"last_status_change_date": "2026-02-03T02:07:46Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.4,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2536098",
"price_change_percentage": null
},
{
"date": "2025-04-10",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-04-02T11:26:37Z",
"list_price": 2475,
"listing_id": "2980060186",
"last_update_date": "2025-04-02T06:25:37Z",
"last_status_change_date": "2025-04-10T02:09:37Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2494654",
"price_change_percentage": null
},
{
"date": "2025-04-02",
"price": 2475,
"listing": {
"status": "off_market",
"list_date": "2025-04-02T11:26:37Z",
"list_price": 2475,
"listing_id": "2980060186",
"last_update_date": "2025-04-02T06:25:37Z",
"last_status_change_date": "2025-04-10T02:09:37Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.4142857142857144,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2494654",
"price_change_percentage": null
},
{
"date": "2011-10-17",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
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},
{
"date": "2010-06-23",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
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},
{
"date": "2010-06-22",
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"listing": {
"status": "off_market",
"list_date": "2009-11-20T07:00:00Z",
"list_price": 149000,
"listing_id": "513526715",
"last_update_date": "2010-06-22T20:50:00Z",
"last_status_change_date": "2010-05-21T19:58:55Z"
},
"event_name": "Listing removed",
"price_sqft": 87.1854885898186,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "813554",
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},
{
"date": "2010-05-21",
"price": 149000,
"listing": {
"status": "off_market",
"list_date": "2009-11-20T07:00:00Z",
"list_price": 149000,
"listing_id": "513526715",
"last_update_date": "2010-06-22T20:50:00Z",
"last_status_change_date": "2010-05-21T19:58:55Z"
},
"event_name": "Relisted",
"price_sqft": 87.1854885898186,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "813554",
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},
{
"date": "2010-05-11",
"price": 149000,
"listing": {
"status": "off_market",
"list_date": "2009-11-20T07:00:00Z",
"list_price": 149000,
"listing_id": "513526715",
"last_update_date": "2010-06-22T20:50:00Z",
"last_status_change_date": "2010-05-21T19:58:55Z"
},
"event_name": "Listing removed",
"price_sqft": 87.1854885898186,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": "172 days",
"source_listing_id": "813554",
"price_change_percentage": null
},
{
"date": "2010-05-09",
"price": 149000,
"listing": {
"status": "off_market",
"list_date": "2009-11-20T07:00:00Z",
"list_price": 149000,
"listing_id": "513526715",
"last_update_date": "2010-06-22T20:50:00Z",
"last_status_change_date": "2010-05-21T19:58:55Z"
},
"event_name": "Price Changed",
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"source_name": "NewOrleans",
"price_change": -20900,
"days_after_listed": null,
"source_listing_id": "813554",
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},
{
"date": "2009-11-20",
"price": 169900,
"listing": {
"status": "off_market",
"list_date": "2009-11-20T07:00:00Z",
"list_price": 149000,
"listing_id": "513526715",
"last_update_date": "2010-06-22T20:50:00Z",
"last_status_change_date": "2010-05-21T19:58:55Z"
},
"event_name": "Listed",
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"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "813554",
"price_change_percentage": null
},
{
"date": "2005-12-06",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1986-08-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": null,
"permit_effective_date": "Jun 2, 2025",
"permit_project_type_1": "Residential",
"permit_project_type_2": "Roofing",
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "7935709701",
"generated_at": "2026-03-27T17:06:36.696325Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 76.0
},
"utility_allowance": {
"zip_code": "70056",
"home_photo": "https://ap.rdcpix.com/ba693df2c1350fb341dffd8ef3b89304l-m2711404453s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 199920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1404-Drake-Ln_Gretna_LA_70056_M79357-09701",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 249900.0,
"loan_term_years": 30,
"annual_cash_flow": 14548.35,
"mortgage_monthly": 1330.07,
"payment_standard": 1983.0,
"total_amount_out": 49980.0,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 132.5,
"monthly_cash_flow": 1212.36,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'natural_gas' as the property information indicates central heating and the availability of natural gas.",
"utility": "Heating",
"allowance": 70
},
{
"note": "Selected 'natural_gas' as the property has a range/oven and natural gas service.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "Selected 'natural_gas' as it is available at the property, making it the most common fuel for water heating.",
"utility": "Water Heating",
"allowance": 24
},
{
"note": "The property information explicitly states a 'Public' water source.",
"utility": "Water",
"allowance": 43
},
{
"note": "The property information explicitly states a 'City' sewer connection.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard municipal service for a single-family home.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "This is a standard allowance for general electricity usage such as lighting, appliances, and outlets.",
"utility": "Other Electric",
"allowance": 67
}
],
"cash_on_cash_return": 0.29,
"down_payment_amount": 49980.0,
"property_tax_annual": 2178.45,
"property_tax_monthly": 181.54,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -1412.52,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -117.71,
"cash_on_cash_return_after_debt": -0.03
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/2BA single-family home appears largely renovated and would likely pass an initial Housing Choice Voucher (NSPIRE) inspection after a short punch-list: verify and/or install smoke and carbon monoxide alarms, confirm GFCI protection at kitchen and bathrooms, secure loose low-voltage wiring, confirm HVAC and water heater operation, and trim/remove hazardous tree limbs near the roof. No major structural or life-safety failures are evident from photos. Expect rent-ready status within 1–4 weeks if the noted verifications and small repairs are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 82.0,
"rationale": "Interior appears recently renovated: new/refinished wood floors, fresh paint, tiled kitchen and dining, and modern recessed lighting. Kitchen appliances (range, dishwasher) visible. Minor visible items: wall-mounted wires not terminated (TV/data), some landscaping/groundcover overgrowth, small concrete walkway cracking, and exterior trim shows typical wear. No visible major cosmetic deferred maintenance. Missing small finish items (cover plates, touch-up paint) likely. Overall turnkey with modest cosmetic items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "No obvious life-safety hazards in photos: floors, ceilings, doors and window openings look intact; vents indicate central HVAC. However no smoke detectors or CO alarms are visible in interior photos (not uncommon in listing photos) and GFCI outlet presence at sink is not clearly shown. There are exposed low-voltage/entertainment wires hanging on a living-room wall that should be secured. Entry door appears to have a lock and glass storm door; deadbolt presence not clearly visible. No visible active water stains, mold, major trip hazards or unsafe stairs. Because detectors/GFCI and panel access are unknown, moderate safety risk remains until verified."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 78.0,
"rationale": "Central HVAC supply/return vents are visible in living area indicating a forced-air system is present. Roof shingles and chimney appear intact in exterior photos with no visible sagging or active leaks. Kitchen appliances (electric/induction or electric range visible) and dishwasher are present. Water heater, electrical panel and furnace/AC equipment are not shown; assume functional but should be verified. Fireplace is a modern insert — verify fuel type and venting/clearances. Overall systems look serviceable but need in-person verification (panel, water heater, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior brick and siding appear in fair to good condition; roofline looks even and gutters appear present. Driveway and two-car garage are present. A large mature oak sits very close to the house and overhangs the roof — this creates increased risk of future roof/leaf/debris issues and potential root/driveway movement. Front landscaping is overgrown and walkway shows cracking and two low posts/rails that look incomplete or decorative and may be a trip/obstruction. Backyard fence present (visible from angles). Overall exterior is functional but tree proximity and minor walkway/landscaping repairs lower the score."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Photos represent current condition throughout the primary living spaces; no unseen severe damage exists in unpictured areas (attic, crawlspace, behind appliances).",
"Kitchen appliances shown (range, dishwasher) are present and operable; refrigerator may or may not be included (not pictured).",
"Central HVAC system is present and operational (supply/return vents visible), but full functionality is unconfirmed without system test.",
"No smoke detectors or CO alarms are visible in listing photos; assume they may be missing or not shown and should be verified/installed to meet NSPIRE.",
"Electrical panel, water heater, and GFCI protection locations are not shown; assumed serviceable but require verification during inspection.",
"Fireplace is a sealed insert (likely gas/electric) but fuel type and proper venting must be verified; no evidence of chimney failure in exterior photos.",
"No evidence of active water intrusion, major mold, foundation displacement, or collapsed ceilings in provided images."
],
"overall_score": 77.0,
"rubric_version": "ns-2026-1"
},
{
"summary": "Overall the property appears largely turn‑key and would likely pass an initial Section 8 / HCV inspection after standard verifications. Interior finishes and major visible systems look renovated and in good condition; appliances and central HVAC are present. Key items to verify on inspection: presence and operation of smoke and CO detectors, GFCI protection in kitchen/baths, electrical panel condition, water heater/hot water, and safe venting/fuel type for the fireplace. The large tree overhanging the roof is a site concern that should be mitigated to avoid roof damage. With quick checks and minor corrections this property is likely rent-ready within 30 days and could be rent-ready in 1-2 weeks if detectors and system verifications are confirmed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing describe a recent full renovation with clean finishes, no carpet, new-looking flooring, tile, trim, recessed lighting and updated kitchen appliances visible (range, dishwasher). Interior surfaces appear intact with minimal cosmetic wear. No visible water stains, peeling paint, or collapsed finishes. Missing/unknown items: bathrooms not shown, washer/dryer not pictured (not required). Overall only minor cosmetic or finish-level repairs likely."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings intact, floors level, no visible exposed wiring, stair/handrail hazards not shown, windows in living areas look standard for egress. Central HVAC vents visible. However smoke and carbon monoxide detectors are not visible in photos (cannot confirm placement), GFCI outlets not seen in kitchen photos, and the large mature tree overhangs the roof which introduces risk for future roof/branch damage. Fireplace appears to be an installed insert (unknown venting/fuel type) which could trigger additional inspection checks. These unknowns lower the score to reflect probable quick fixes or verifications required."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Roof, Electrical, Plumbing)",
"score": 75.0,
"rationale": "Central HVAC registers present in ceiling and no visible signs of disuse; stainless dishwasher and electric/induction-looking range are present. Roof shingles appear aged but intact in photos; no visible active leaks or roof sagging. No water heater or electrical panel shown (assumed present but unverified). Plumbing fixtures visible at kitchen sink appear standard. Given age (1987) and recent renovation, systems likely functional but should be verified (water heater age, electrical panel, HVAC servicing)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior brick/siding and siding paint look serviceable; driveway and front walkway in acceptable condition. Yard is maintained though some groundcover and shrubs encroach walkway. A very large mature tree sits close to the house and overhangs the roof — presents elevated risk to shingles/gutters during storms and potential root impact to walkways/foundation long-term. Fence/gate visible in backyard but condition not fully shown. Overall a tidy exterior but the tree proximity is a noteworthy site issue."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Smoke detectors and CO alarms are not visible in photos; assume they may need installation or verification.",
"Electrical panel location and condition not shown; assume typical service but recommend inspection.",
"Water heater and hot water availability not shown; assume present and functioning unless inspection finds otherwise.",
"Fireplace appears to be an insert (likely electric or gas) — assume it is properly installed but requires verification of venting/fuel hookup and clearances.",
"No bathrooms were photographed; assume bathrooms are functional and were included in the 'completely renovated' description but recommend verification (hot water, drains, GFCI).",
"No visible major roof leaks or structural sagging in photos; assume roof is aging but functioning.",
"Yard and fence exist (shed noted in listing) but backyard condition and fence/gate operability not fully assessed from provided photos.",
"No rental events in last 5 years per snapshot; rental_history_activity excluded from scoring."
],
"overall_score": 76.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears largely renovated and in good cosmetic condition with functional systems visible (central HVAC, kitchen appliances, intact roof visually). The most likely inspection issues are: absence/absence-verification of smoke/CO detectors, exposed/loose TV/electrical wiring that must be terminated/covered, and confirming GFCI protection and functioning hot water. The large front tree overhanging the roof is a maintenance/roof-risk concern but not an immediate NSPIRE fail. With minor safety fixes and verification of detectors, GFCI, and mechanicals, this property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently renovated with no carpet, intact hardwood/tile floors, fresh paint, and updated finishes (photos of living room, dining, kitchen). Fixtures and finishes look in good condition. Minor visible deferred items: cosmetic scuffs, trim/paint touch-ups likely needed, and loose low-voltage/electrical wires visible at the TV mounting area that will require tidy/covering. Appliances (range, dishwasher) are present in photos; refrigerator is not shown but missing fridge alone would be a moderate deduction only. Overall mostly cosmetic/minor repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No visible smoke detectors or CO alarms in the provided interior photos (required for inspection) and location of detectors cannot be confirmed — reduces score. There are visible exposed/loose wires for a wall-mounted TV which is an electrical hazard until properly terminated/covered. Entry door appears secure but a deadbolt is not clearly visible in photos (lock present but verification needed). Windows appear to provide egress from main living areas and bedrooms (standard-size). No visible active water stains, mold, collapsed ceilings, missing guardrails, or trip hazards in photos. GFCI presence at kitchen sink/outlets cannot be confirmed from images."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 75.0,
"rationale": "Central HVAC registers/return visible in ceiling indicating a central system likely present. Kitchen appliances (range and dishwasher) appear modern and in-place. Fireplace insert appears to be a gas or electric unit (needs verification of venting/gas line if gas). Roof shows continuous shingles with no visible sagging or active leaks in interior photos; age of roof unknown but visually intact. Water heater, electrical panel, and hot-water operation are not visible in photos and need verification. No obvious plumbing failures shown."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior shell (brick and siding) and attached two-car garage appear intact; driveway and walkway are serviceable with only minor cracking visible. Significant mature tree sits very close to the roof/overhang — this is a long-term risk to shingles, gutters, and can cause debris/branch damage and increased maintenance. Landscaping is somewhat overgrown and will need trimming for clear egress and curb appeal. Fence and shed referenced in listing but not fully imaged; no visible standing water or erosion in supplied photos."
}
],
"red_flags": [
"Visible exposed/loose electrical wires at wall-mounted TV location — electrical hazard that must be corrected before inspection.",
"No visible smoke detectors or CO alarms in provided photos — missing/incorrect placement will cause a fail.",
"Large mature tree overhanging and very close to the roof — risk for roof/gutter damage and future leaks; recommend trimming or removal prior to long-term tenancy."
],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or not shown and require installation/verification.",
"Central HVAC is present and operational based on ceiling vents visible; no access to service records—assume operational but recommend verification.",
"Water heater, electrical panel, and functioning hot water were not photographed; assume serviceable but unverified.",
"Roof appears intact from photos; age and condition under shingles (flashings, underlayment) are unknown and assumed serviceable unless inspection shows otherwise.",
"Fireplace shown is assumed to be an electric or gas insert (listing mentions fireplace) — fuel type and proper venting should be confirmed.",
"GFCI protection in kitchen and bathrooms is not visible in photos and must be verified on inspection.",
"Listing indicates a storage shed and automatic garage opener (assumed present per description but shed condition not imaged).",
"No recent rental history found in public records for the last 5 years (rental_history_last_5y missing)."
],
"overall_score": 75.0,
"rubric_version": "2026-03-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1404 Drake Ln, Gretna, LA, 70056",
"aggregate": {
"summary": "This 3BR/2BA single-family home appears largely renovated and would likely pass an initial Housing Choice Voucher (NSPIRE) inspection after a short punch-list: verify and/or install smoke and carbon monoxide alarms, confirm GFCI protection at kitchen and bathrooms, secure loose low-voltage wiring, confirm HVAC and water heater operation, and trim/remove hazardous tree limbs near the roof. No major structural or life-safety failures are evident from photos. Expect rent-ready status within 1–4 weeks if the noted verifications and small repairs are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 82.3,
"rationale": "Interior appears recently renovated: new/refinished wood floors, fresh paint, tiled kitchen and dining, and modern recessed lighting. Kitchen appliances (range, dishwasher) visible. Minor visible items: wall-mounted wires not terminated (TV/data), some landscaping/groundcover overgrowth, small concrete walkway cracking, and exterior trim shows typical wear. No visible major cosmetic deferred maintenance. Missing small finish items (cover plates, touch-up paint) likely. Overall turnkey with modest cosmetic items."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior brick and siding appear in fair to good condition; roofline looks even and gutters appear present. Driveway and two-car garage are present. A large mature oak sits very close to the house and overhangs the roof — this creates increased risk of future roof/leaf/debris issues and potential root/driveway movement. Front landscaping is overgrown and walkway shows cracking and two low posts/rails that look incomplete or decorative and may be a trip/obstruction. Backyard fence present (visible from angles). Overall exterior is functional but tree proximity and minor walkway/landscaping repairs lower the score."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 71.7,
"rationale": "No obvious life-safety hazards in photos: floors, ceilings, doors and window openings look intact; vents indicate central HVAC. However no smoke detectors or CO alarms are visible in interior photos (not uncommon in listing photos) and GFCI outlet presence at sink is not clearly shown. There are exposed low-voltage/entertainment wires hanging on a living-room wall that should be secured. Entry door appears to have a lock and glass storm door; deadbolt presence not clearly visible. No visible active water stains, mold, major trip hazards or unsafe stairs. Because detectors/GFCI and panel access are unknown, moderate safety risk remains until verified."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 76.0,
"rationale": "Central HVAC supply/return vents are visible in living area indicating a forced-air system is present. Roof shingles and chimney appear intact in exterior photos with no visible sagging or active leaks. Kitchen appliances (electric/induction or electric range visible) and dishwasher are present. Water heater, electrical panel and furnace/AC equipment are not shown; assume functional but should be verified. Fireplace is a modern insert — verify fuel type and venting/clearances. Overall systems look serviceable but need in-person verification (panel, water heater, HVAC operation)."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Photos represent current condition throughout the primary living spaces; no unseen severe damage exists in unpictured areas (attic, crawlspace, behind appliances).",
"Kitchen appliances shown (range, dishwasher) are present and operable; refrigerator may or may not be included (not pictured).",
"Central HVAC system is present and operational (supply/return vents visible), but full functionality is unconfirmed without system test.",
"No smoke detectors or CO alarms are visible in listing photos; assume they may be missing or not shown and should be verified/installed to meet NSPIRE.",
"Electrical panel, water heater, and GFCI protection locations are not shown; assumed serviceable but require verification during inspection.",
"Fireplace is a sealed insert (likely gas/electric) but fuel type and proper venting must be verified; no evidence of chimney failure in exterior photos.",
"No evidence of active water intrusion, major mold, foundation displacement, or collapsed ceilings in provided images."
],
"score_method": "mean_of_criteria",
"overall_score": 76.0,
"rubric_version": "ns-2026-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7935709701"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.