Property ID: 7937358237
4342 Pulaski St, Birmingham, AL, 35217
Birmingham, AL
Money Down: $27,600
CoC Return: 1.51%
Monthly Cash Flow: $35
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Investment Snapshot
Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
1.51%
Rent
$931
Monthly Cash Flow
$35
Annual Cash Flow
$416
Debt Service / Mo
$612
Property Tax / Mo
$120
Insurance / Mo
$71
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$931
Payment Standard
$1,419
Rent
$931
Insurance
$71
Property Tax
$120
Management
$93
Utilities Allowance
$488
NOI (Monthly)
$647
Debt Service
$612
Cash Flow After Debt
$35
Quality Score: 78.50%
Confidence: 95.00%
This 3-bed/2-bath bungalow appears to have undergone substantial cosmetic and systems refresh (flooring, baths, kitchen, roof and updated plumbing/electrical per listing). Photos show a generally clean, safe interior with new-look finishes and functioning plumbing fixtures. Primary inspection risks are non-visible but commonly required items: full smoke/CO detector coverage, GFCI protection at kitchen/baths, verification of operational HVAC and hot water systems, and installation/verification of stove/refrigerator if required by owner. With verification/testing and installation of missing detectors and GFCI (and appliances if landlord provides them), the property is likely to pass an initial HCV (NSPIRE) inspection with minor repairs and is rent-ready in a short timeframe (probably within 1–4 weeks).
Section 8 Payment Standard
$1,419
Utility Allowance Total
$488
Guaranteed Section 8 Rent (PS - Utilities)
$931
Property Management
$93
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,000
Beds
3
Baths
2
Living Area
1,248 sqft
Lot Size
6,970 sqft
Year Built
1925
Days on Market
70
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$120
Insurance / Mo
$71
Property Description
Welcome to this updated 3-bedroom, 2 full-bath home, perfect for both investors and first-time homebuyers. Recently refreshed, this property features updated bathrooms and kitchen, offering a clean and stylish look throughout. A significant amount of work has already been completed for added peace of mind, including updated plumbing, electrical, flooring, and roof. Previously used as a rental, the home is well-maintained and move-in ready, making it a fantastic opportunity for anyone looking for a solid, updated property. Don't miss out on this great value-schedule your showing today!
Utility Allowances
Heating: N'Gas: Mulga
$49
Property has central heating. Gas fuel is inferred from the presence of a gas fireplace. 'N'Gas: Mulga' was chosen as the most expensive natural gas option available in the schedule, as per instructions for ambiguity.
Cooling: A/C: Alabama Power
$22
Property has 'Central Air' which is electric. 'Alabama Power' is the most expensive electric A/C option provided in the schedule.
Water Heating: Elec: Ala Power
$56
Property information explicitly lists 'Electric Water Heater'. 'Ala Power' was chosen as the provider, consistent with other electric utilities and being the most expensive option.
Cooking: Elec: Ala Power
$21
No stove is mentioned as provided. Electric is a common option for tenant-provided stoves. 'Ala Power' was selected as the most expensive electric cooking option in the schedule.
Other Electric: Lights, Ref, Etc.: Ala Power
$68
This is a standard utility for lighting and general outlets. 'Ala Power' was chosen as the provider, consistent with other electric utilities and being the most expensive option.
Water: Birmingham
$78
Property information specifies 'Public Water' and is located in Birmingham, which directly corresponds to the 'Water: Birmingham' provider in the schedule.
Sewer
$151
Property information states 'Sewer: Connected'. The allowance is based on the fixed rate provided in the schedule for a 3-bedroom unit.
Trash Collection: Irondale ISCL
$29
Trash collection is a standard utility. 'Irondale ISCL' was selected as a higher-cost plausible option for a property within Jefferson County to adhere to the 'choose more expensive' rule.
Refrigerator
$8
The property description does not list a refrigerator as an included appliance. This allowance is for a tenant-owned refrigerator.
Range/Microwave
$6
The property description does not list a range or microwave as included appliances. This allowance is for a tenant-owned range or microwave.
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$705
DP3 Annual Estimate$1,007
DP1 Monthly Equivalent$59
DP3 Monthly Equivalent$84
Replacement Value$85,400
Basis1,248 sqft / 1925
Nearby Houses
Photo unavailable
4344 Pulaski St
sold · 0.01 mi
Price: $40,000
3 bd / 1 ba · 1,268 sqft
Latest sale: $40,000 on Jun 19, 2020
Latest rent: $975 on Jul 28, 2023
Photo unavailable
4338 Pulaski St
sold · 0.01 mi
Price: $138,000
3 bd / 1 ba · 1,385 sqft
Latest sale: $138,000 on Aug 19, 2022
Latest rent: —
Photo unavailable
4329 Pulaski St
sold · 0.05 mi
Price: $96,400
3 bd / 2 ba · 1,240 sqft
Latest sale: $96,400 on Jan 04, 2025
Latest rent: $1,225 on Mar 22, 2025
Photo unavailable
4332 Harmon St
sold · 0.07 mi
Price: $14,000
3 bd / 1 ba · 1,312 sqft
Latest sale: $14,000 on Jun 27, 2020
Latest rent: —
Photo unavailable
1316 Spring St
sold · 0.07 mi
Price: $34,000
2 bd / 1 ba · 920 sqft
Latest sale: $34,000 on Oct 18, 2025
Latest rent: —
Photo unavailable
4324 Greenwood St
sold · 0.08 mi
Price: $57,500
3 bd / 1 ba · 1,276 sqft
Latest sale: $57,500 on Mar 10, 2022
Latest rent: —
Photo unavailable
4300 Pulaski St
for_sale · 0.09 mi
Price: $69,900
2 bd / 1 ba · 1,045 sqft
Latest sale: $57,000
Latest rent: —
Photo unavailable
4252 Pulaski St
sold · 0.11 mi
Price: $200,000
4 bd / 2 ba · 1,636 sqft
Latest sale: $200,000 on Jun 11, 2024
Latest rent: $1,700 on Feb 17, 2024
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that plumbing, electrical and roof were updated is accurate and work completed to code.
- Central HVAC exists and is operational (ceiling vents visible) though condenser/air handler not photographed.
- Water heater is present and operational though not shown.
- Electrical panel is intact and compliant; no visible knob-and-tube or exposed wiring inside photos.
- Bedrooms have egress windows that meet local code based on window size visible in bedroom photos.
- Owner/agent will supply or install stove and refrigerator prior to move-in OR tenant-supplied appliances are acceptable to the PHA.
- Smoke detectors and CO alarms may exist beyond photographed hallway detector but full coverage must be confirmed.
- GFCI protection in kitchen and bathrooms is not visible in photos and should be verified/installed if missing.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,396 | $96,300 | $19,260 |
| 2023 | $1,396 | $96,300 | $19,260 |
| 2022 | $945 | $65,200 | $13,040 |
| 2021 | $1,052 | $72,600 | $14,520 |
| 2020 | $999 | $68,900 | $13,780 |
| 2017 | $887 | $61,200 | $12,240 |
| 2016 | $836 | $57,700 | $11,540 |
| 2015 | $887 | $61,200 | $12,240 |
| 2013 | $790 | $55,800 | $11,160 |
| 2012 | $853 | $60,280 | $12,056 |
| 2011 | $865 | $61,200 | $12,240 |
| 2010 | $865 | $61,200 | $12,240 |
| 2009 | $865 | $61,200 | $12,240 |
| 2008 | $885 | $62,600 | $12,520 |
| 2007 | $865 | $61,200 | $12,240 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-02-21 | Sold | $51,500 |
| 2015-07-23 | Sold | $36,000 |
| 2014-08-29 | Sold | $7,500 |
| 2010-09-01 | Sold | $7,500 |
| 2010-02-11 | Sold | $61,510 |
| 2004-10-04 | Sold | $57,000 |
Photo Gallery
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"price_change_percentage": null
},
{
"date": "2014-12-19",
"price": 750,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 750,
"listing_id": "587407027",
"last_update_date": "2015-02-19T00:17:20Z",
"last_status_change_date": "2014-12-20T06:00:40Z"
},
"event_name": "Listing removed",
"price_sqft": 0.5482456140350878,
"source_name": "Appfolio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "65de0384-c593-410e-8092-2cf55fb00462",
"price_change_percentage": null
},
{
"date": "2014-12-09",
"price": 750,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 750,
"listing_id": "591707263",
"last_update_date": "2014-12-18T16:36:36Z",
"last_status_change_date": "2014-12-09T09:59:28Z"
},
"event_name": "Listing removed",
"price_sqft": 0.5482456140350878,
"source_name": "Zbestlistings",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "65DE0384-C593-410E-8092-2CF55FB00462",
"price_change_percentage": null
},
{
"date": "2014-11-13",
"price": 750,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 750,
"listing_id": "587444239",
"last_update_date": "2015-01-12T22:35:53Z",
"last_status_change_date": "2014-11-13T11:46:07Z"
},
"event_name": "Listing removed",
"price_sqft": 0.5482456140350878,
"source_name": "RentalRoost",
"price_change": 0,
"days_after_listed": "43 days",
"source_listing_id": "1175166",
"price_change_percentage": null
},
{
"date": "2014-11-07",
"price": 750,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 750,
"listing_id": "591707263",
"last_update_date": "2014-12-18T16:36:36Z",
"last_status_change_date": "2014-12-09T09:59:28Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.5482456140350878,
"source_name": "Zbestlistings",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "65DE0384-C593-410E-8092-2CF55FB00462",
"price_change_percentage": null
},
{
"date": "2014-10-21",
"price": 43000,
"listing": {
"status": "off_market",
"list_date": "2014-10-01T07:00:00Z",
"list_price": 43000,
"listing_id": "587971835",
"last_update_date": "2015-03-26T12:00:00Z",
"last_status_change_date": "2015-03-25T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -8000,
"days_after_listed": null,
"source_listing_id": "610987",
"price_change_percentage": null
},
{
"date": "2014-10-01",
"price": 51000,
"listing": {
"status": "off_market",
"list_date": "2014-10-01T07:00:00Z",
"list_price": 43000,
"listing_id": "587971835",
"last_update_date": "2015-03-26T12:00:00Z",
"last_status_change_date": "2015-03-25T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "610987",
"price_change_percentage": "+580.00%"
},
{
"date": "2014-09-14",
"price": 750,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 750,
"listing_id": "587444239",
"last_update_date": "2015-01-12T22:35:53Z",
"last_status_change_date": "2014-11-13T11:46:07Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.5482456140350878,
"source_name": "RentalRoost",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1175166",
"price_change_percentage": null
},
{
"date": "2014-09-12",
"price": 750,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 750,
"listing_id": "587407027",
"last_update_date": "2015-02-19T00:17:20Z",
"last_status_change_date": "2014-12-20T06:00:40Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.5482456140350878,
"source_name": "Appfolio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "65de0384-c593-410e-8092-2cf55fb00462",
"price_change_percentage": null
},
{
"date": "2010-08-19",
"price": 7500,
"listing": {
"status": "sold",
"list_date": "2010-05-07T07:00:00Z",
"list_price": 8000,
"listing_id": "520903667",
"last_update_date": "2010-09-01T04:28:23Z",
"last_status_change_date": "2010-08-19T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "464513",
"price_change_percentage": "-24.24%"
},
{
"date": "2010-07-13",
"price": 8000,
"listing": {
"status": "sold",
"list_date": "2010-05-07T07:00:00Z",
"list_price": 8000,
"listing_id": "520903667",
"last_update_date": "2010-09-01T04:28:23Z",
"last_status_change_date": "2010-08-19T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -1900,
"days_after_listed": null,
"source_listing_id": "464513",
"price_change_percentage": null
},
{
"date": "2010-06-21",
"price": 9900,
"listing": {
"status": "sold",
"list_date": "2010-05-07T07:00:00Z",
"list_price": 8000,
"listing_id": "520903667",
"last_update_date": "2010-09-01T04:28:23Z",
"last_status_change_date": "2010-08-19T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "45 days",
"source_listing_id": "464513",
"price_change_percentage": null
},
{
"date": "2010-05-07",
"price": 9900,
"listing": {
"status": "sold",
"list_date": "2010-05-07T07:00:00Z",
"list_price": 8000,
"listing_id": "520903667",
"last_update_date": "2010-09-01T04:28:23Z",
"last_status_change_date": "2010-08-19T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "464513",
"price_change_percentage": "-82.63%"
},
{
"date": "2004-09-27",
"price": 57000,
"listing": {
"status": "sold",
"list_date": "2004-05-21T07:00:00Z",
"list_price": 69500,
"listing_id": "542439383",
"last_update_date": "2004-10-06T22:29:31Z",
"last_status_change_date": "2004-09-27T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -12500,
"days_after_listed": "129 days",
"source_listing_id": "235182",
"price_change_percentage": "-17.99%"
},
{
"date": "2004-05-21",
"price": 69500,
"listing": {
"status": "sold",
"list_date": "2004-05-21T07:00:00Z",
"list_price": 69500,
"listing_id": "542439383",
"last_update_date": "2004-10-06T22:29:31Z",
"last_status_change_date": "2004-09-27T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "235182",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7937358237",
"generated_at": "2026-02-16T03:12:31.398414Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 78.5
},
"utility_allowance": {
"zip_code": "35217",
"home_photo": "https://ap.rdcpix.com/96f9bb72679cac6a2e22c8f7bcf9b906l-m1440237625s-w1280.jpg",
"rent_price": 931.0,
"loan_amount": 92000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4342-Pulaski-St_Birmingham_AL_35217_M79373-58237",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 115000.0,
"loan_term_years": 30,
"annual_cash_flow": 7760.92,
"mortgage_monthly": 612.08,
"payment_standard": 1419.0,
"total_amount_out": 23000.0,
"additional_photos": [
"https://ap.rdcpix.com/96f9bb72679cac6a2e22c8f7bcf9b906l-m2099922751s-w1280.jpg",
"https://ap.rdcpix.com/96f9bb72679cac6a2e22c8f7bcf9b906l-m501167849s-w1280.jpg",
"https://ap.rdcpix.com/96f9bb72679cac6a2e22c8f7bcf9b906l-m1889267160s-w1280.jpg",
"https://ap.rdcpix.com/96f9bb72679cac6a2e22c8f7bcf9b906l-m3660328789s-w1280.jpg",
"https://ap.rdcpix.com/96f9bb72679cac6a2e22c8f7bcf9b906l-m3329231779s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 71.33,
"monthly_cash_flow": 646.74,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating. Gas fuel is inferred from the presence of a gas fireplace. 'N'Gas: Mulga' was chosen as the most expensive natural gas option available in the schedule, as per instructions for ambiguity.",
"utility": "Heating: N'Gas: Mulga",
"allowance": 49
},
{
"note": "Property has 'Central Air' which is electric. 'Alabama Power' is the most expensive electric A/C option provided in the schedule.",
"utility": "Cooling: A/C: Alabama Power",
"allowance": 22
},
{
"note": "Property information explicitly lists 'Electric Water Heater'. 'Ala Power' was chosen as the provider, consistent with other electric utilities and being the most expensive option.",
"utility": "Water Heating: Elec: Ala Power",
"allowance": 56
},
{
"note": "No stove is mentioned as provided. Electric is a common option for tenant-provided stoves. 'Ala Power' was selected as the most expensive electric cooking option in the schedule.",
"utility": "Cooking: Elec: Ala Power",
"allowance": 21
},
{
"note": "This is a standard utility for lighting and general outlets. 'Ala Power' was chosen as the provider, consistent with other electric utilities and being the most expensive option.",
"utility": "Other Electric: Lights, Ref, Etc.: Ala Power",
"allowance": 68
},
{
"note": "Property information specifies 'Public Water' and is located in Birmingham, which directly corresponds to the 'Water: Birmingham' provider in the schedule.",
"utility": "Water: Birmingham",
"allowance": 78
},
{
"note": "Property information states 'Sewer: Connected'. The allowance is based on the fixed rate provided in the schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash collection is a standard utility. 'Irondale ISCL' was selected as a higher-cost plausible option for a property within Jefferson County to adhere to the 'choose more expensive' rule.",
"utility": "Trash Collection: Irondale ISCL",
"allowance": 29
},
{
"note": "The property description does not list a refrigerator as an included appliance. This allowance is for a tenant-owned refrigerator.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property description does not list a range or microwave as included appliances. This allowance is for a tenant-owned range or microwave.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.34,
"down_payment_amount": 23000.0,
"property_tax_annual": 1437.88,
"property_tax_monthly": 119.82,
"property_tax_increase": 0.03,
"utility_allowance_total": 488.0,
"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": 415.98,
"property_management_monthly": 93.1,
"monthly_cash_flow_after_debt": 34.67,
"cash_on_cash_return_after_debt": 0.02
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed/2-bath bungalow appears to have undergone substantial cosmetic and systems refresh (flooring, baths, kitchen, roof and updated plumbing/electrical per listing). Photos show a generally clean, safe interior with new-look finishes and functioning plumbing fixtures. Primary inspection risks are non-visible but commonly required items: full smoke/CO detector coverage, GFCI protection at kitchen/baths, verification of operational HVAC and hot water systems, and installation/verification of stove/refrigerator if required by owner. With verification/testing and installation of missing detectors and GFCI (and appliances if landlord provides them), the property is likely to pass an initial HCV (NSPIRE) inspection with minor repairs and is rent-ready in a short timeframe (probably within 1–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic updates: new-look plank flooring throughout, freshly painted walls, updated tubs/vanities and tile surrounds. Kitchen cabinets and countertops present and in usable condition; range hood installed but no stove or refrigerator visible (missing appliances reduce score moderately). Ceilings show patched/finished areas but no active damage evident. Minor exterior staining on porch low wall and some trim touch-ups likely. Overall mostly cosmetic/minor work remaining."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "No obvious exposed wiring, visible plumbing fixtures appear functional, bathroom vents present, window size/placement in bedrooms appears adequate for egress based on photos, entry appears securable (security grille visible). Only one smoke detector is visible in photos (hallway area) — NSPIRE requires smoke detectors on each level and in/near sleeping rooms; CO detector not visible (may be required depending on fuel appliances). GFCI outlets near kitchen sink are not clearly visible. No visible mold, active leaks, or severe trip hazards. Because several required safety items aren't clearly shown (detectors, GFCI, lock hardware) there is moderate risk that small code items must be added prior to pass."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 75.0,
"rationale": "Listing states updated plumbing, electrical and roof; roof and exterior shingles appear in good shape in photos and ceiling shows no active water stains. Ceiling registers and return vents visible indicating central HVAC distribution likely present, but HVAC equipment, water heater and electrical panel are not photographed. Plumbing fixtures and toilets appear new/clean. Because key systems (furnace/AC, water heater, electric panel) are not shown but listing claims updates, score reflects probable good condition with some uncertainty until equipment is verified and tested."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior brick appears sound and recently painted; front porch and steps are intact. Yard is maintained and walkways are level. No visible foundation cracks or sagging in photos. Small areas of paint/soiling on porch features and low retaining wall need cleaning/paint touch-up but no structural issues evident. Chain-link fence present at side yard."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that plumbing, electrical and roof were updated is accurate and work completed to code.",
"Central HVAC exists and is operational (ceiling vents visible) though condenser/air handler not photographed.",
"Water heater is present and operational though not shown.",
"Electrical panel is intact and compliant; no visible knob-and-tube or exposed wiring inside photos.",
"Bedrooms have egress windows that meet local code based on window size visible in bedroom photos.",
"Owner/agent will supply or install stove and refrigerator prior to move-in OR tenant-supplied appliances are acceptable to the PHA.",
"Smoke detectors and CO alarms may exist beyond photographed hallway detector but full coverage must be confirmed.",
"GFCI protection in kitchen and bathrooms is not visible in photos and should be verified/installed if missing."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed/2-bath bungalow appears to have undergone a recent, substantial cosmetic and systems refresh (flooring, baths, kitchen, roof and claimed plumbing/electrical updates). Photos show clean, updated interiors and a sound exterior. No major structural or life-safety failures are evident. Primary items to verify before a Housing Choice Voucher initial inspection: presence and operation of smoke detectors in required locations, CO alarm if locally required, GFCI protection in kitchen/baths (or GFCI breakers), operation of HVAC and hot water, and installation of a stove/refrigerator or provision plan. With quick verification and installation of any missing appliances and one or two minor safety items (if required), the property is likely to pass an initial NSPIRE-based HCV inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking vinyl plank/tile flooring throughout, refreshed bathrooms and kitchen cabinetry/countertops, and patched/painted walls. No obvious major interior damage (collapsed ceilings, large stains, or structural cracks) is visible. Minor issues observed: patched ceiling areas (visible seams/repairs), some baseboard scuffs, and no stove or refrigerator is visible in the photos (range hood present). Missing appliances reduce turnkey readiness moderately but are an easy-to-fix capital expense. Overall condition suggests recent rehab with only minor finish work and appliance installation needed."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE-oriented)",
"score": 78.0,
"rationale": "A smoke alarm device is visible in interior photos (near kitchen/doorway). Bathrooms have functioning fixtures and a ceiling exhaust fan is present. No exposed wiring, visible electrical hazards, nor obvious active leaks or mold were seen. Bedroom windows are present (egress size cannot be confirmed from photos). GFCI protection at kitchen and bath outlets is not clearly visible in photos (bath outlet appears to be a standard outlet; it may be GFCI-protected at the panel). Entry shows a security gate and solid front porch; deadbolt presence not verifiable from photos. Based on the listing claim of updated electrical/plumbing and visible smoke alarm, risk is moderate — a short pre-inspection checklist (verify smoke detectors in all sleeping areas, CO alarm if required locally, confirm GFCI and deadbolt) should address likely NSPIRE items."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 80.0,
"rationale": "Listing states updated plumbing, electrical, and roof; exterior roof in photos appears in good condition (shingles intact). Interior shows HVAC supply/return grilles (suggesting central HVAC), but no furnace/AC or water heater is pictured. Bathroom plumbing fixtures and toilets look new/recently installed. Electrical panel and water heater condition are unknown. Given visible vents and updated finishes plus seller disclosure, major systems likely updated but require verification (operation of HVAC, hot water, and electrical panel labeling)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior brick bungalow shows fresh paint, solid porch columns, and an intact roofline and chimney. Front porch low wall and steps appear stable; some staining on low planter/brick and minor yard maintenance needed but no obvious foundation cracks or standing water. Walkway and yard look serviceable. The property has security bars on front windows which can be acceptable if they do not obstruct emergency egress (egress size not verifiable). Overall exterior condition is good and presents low risk for inspection failure."
}
],
"red_flags": [],
"confidence": 0.72,
"assumptions": [
"Listing statement that electrical and plumbing were updated is accurate and those systems comply with code unless photos indicate otherwise.",
"Central HVAC is present and functional (inferred from visible supply/return vents); no separate heating system photos were provided.",
"Smoke alarm visible in photos is operational; additional smoke alarms and CO alarm (if required) may be present but not shown.",
"GFCI protection may be present at the panel even if outlets in photos are not labeled GFCI; verification is required.",
"Bedrooms have operable egress windows of code size; window sizes cannot be measured from photos and must be confirmed during inspection.",
"No major hidden issues (roof leaks, foundation movement, sewer back-up) are present because photos show otherwise sound finishes, but full confirmation requires an in-person system check."
],
"overall_score": 80.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "This 3-bed/2-bath bungalow presents as a substantially updated, mostly turn-key property with new-looking floors, updated bathrooms, and a modernized kitchen shell. Major systems appear to have been updated per the listing (roof, plumbing, electrical) and there are no visible structural failures or life-safety hazards in the photos. Primary inspection risks that need on-site verification are emergency egress through window security bars, confirmation of GFCI protection in wet areas and presence/operation of the water heater and HVAC, and provision of a working stove/refrigerator if required by the local PHA. With quick verification/fixes (window-release hardware if needed, GFCI or CO alarm installation if missing, install or provide stove/refrigerator), the property is likely to pass a Section 8/HCV initial inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently refreshed: new-looking vinyl plank floors, updated bathrooms (new tub surrounds, vanities), painted walls and updated kitchen cabinets/countertops. Visible cosmetic issues are minor — some ceiling patching/texture lines, trim/baseboard scuffs, and unfinished caulking around tubs. No visible collapsed ceilings, major water stains, or structural cracking. The listing and photos show no stove or refrigerator; missing appliances reduce turnkey rating moderately but are not a structural failure. Overall condition indicates mostly cosmetic and minor finish work to be fully move-in ready."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 75.0,
"rationale": "Positive indicators: visible smoke detector in hallway, central HVAC vents visible (suggesting heating/AC), entry has a secure metal door with deadbolt. No exposed wiring or obvious electrical hazards seen. Potential concerns: front windows have security bars (visible in exterior photo) which may impair emergency egress unless they have quick-release hardware (not shown). Bathroom outlet appears to be present and may be GFCI but the reset/test button is not clearly visible in photos — GFCI compliance is required near tubs/showers and in kitchens. No carbon monoxide detector is visible (may not be required if no fuel-burning appliance is present). No signs of active leaks, mold growth, loose handrails, or major trip hazards visible. Because of the window-bar egress unknown and unclear GFCI/CO presence, some inspection risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 78.0,
"rationale": "Listing states updated plumbing, electrical and roof; photos support recent roof (shingles appear new) and HVAC duct vents are present, implying a central system. Bathrooms and kitchen plumbing fixtures look installed and functional in photos. Water heater, electrical panel, and furnace/AC unit are not shown — their condition must be confirmed on-site. No visible signs of major plumbing leaks or roof leaks inside. Given updates claimed and no visible system distress, likely operational but some verification required (water heater, service panel labeling, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior brick bungalow appears structurally sound with a new-looking roof. Front porch and masonry are intact; paint is recent. Minor staining at a low exterior masonry feature and some yard maintenance needed. Walkways and porch appear serviceable; no standing water, significant grading issues, or obvious foundation displacement visible in provided photos. Chain-link fence present at side. Overall exterior shows normal, maintainable conditions."
}
],
"red_flags": [
"Security bars on front windows visible — potential emergency egress violation if not quick-release.",
"No stove or refrigerator visible in photos — may be required by some PHAs and reduces tenant readiness.",
"No photo evidence of electrical panel or water heater; on-site verification required to confirm serviceability and code compliance.",
"Bathroom and tub perimeter caulking/trim appears unfinished in areas — can cause water intrusion if not corrected."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that plumbing, electrical, flooring, and roof were updated is accurate and work was completed to code.",
"Central HVAC is present and operable (presence inferred from supply vents visible in photos).",
"Water heater and electrical panel exist and are in serviceable condition though not shown in photos.",
"Bathroom outlet visible is assumed to be GFCI or recently upgraded per listing; if not, GFCI installation will be required.",
"No fuel-burning appliances are present inside (no gas stove visible); therefore CO alarm requirement depends on on-site confirmation of fuel appliances.",
"Front window security bars may or may not have quick-release egress hardware; photo does not show release mechanism.",
"Missing major appliances (stove/fridge) are not indicative of broader mechanical failure but will moderately affect tenant readiness and some PHAs' appliance requirements."
],
"overall_score": 78.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4342 Pulaski St, Birmingham, AL, 35217",
"aggregate": {
"summary": "This 3-bed/2-bath bungalow appears to have undergone substantial cosmetic and systems refresh (flooring, baths, kitchen, roof and updated plumbing/electrical per listing). Photos show a generally clean, safe interior with new-look finishes and functioning plumbing fixtures. Primary inspection risks are non-visible but commonly required items: full smoke/CO detector coverage, GFCI protection at kitchen/baths, verification of operational HVAC and hot water systems, and installation/verification of stove/refrigerator if required by owner. With verification/testing and installation of missing detectors and GFCI (and appliances if landlord provides them), the property is likely to pass an initial HCV (NSPIRE) inspection with minor repairs and is rent-ready in a short timeframe (probably within 1–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 79.3,
"rationale": "Interior photos show recent cosmetic updates: new-look plank flooring throughout, freshly painted walls, updated tubs/vanities and tile surrounds. Kitchen cabinets and countertops present and in usable condition; range hood installed but no stove or refrigerator visible (missing appliances reduce score moderately). Ceilings show patched/finished areas but no active damage evident. Minor exterior staining on porch low wall and some trim touch-ups likely. Overall mostly cosmetic/minor work remaining."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 81.7,
"rationale": "Exterior brick appears sound and recently painted; front porch and steps are intact. Yard is maintained and walkways are level. No visible foundation cracks or sagging in photos. Small areas of paint/soiling on porch features and low retaining wall need cleaning/paint touch-up but no structural issues evident. Chain-link fence present at side yard."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 76.0,
"rationale": "No obvious exposed wiring, visible plumbing fixtures appear functional, bathroom vents present, window size/placement in bedrooms appears adequate for egress based on photos, entry appears securable (security grille visible). Only one smoke detector is visible in photos (hallway area) — NSPIRE requires smoke detectors on each level and in/near sleeping rooms; CO detector not visible (may be required depending on fuel appliances). GFCI outlets near kitchen sink are not clearly visible. No visible mold, active leaks, or severe trip hazards. Because several required safety items aren't clearly shown (detectors, GFCI, lock hardware) there is moderate risk that small code items must be added prior to pass."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 77.7,
"rationale": "Listing states updated plumbing, electrical and roof; roof and exterior shingles appear in good shape in photos and ceiling shows no active water stains. Ceiling registers and return vents visible indicating central HVAC distribution likely present, but HVAC equipment, water heater and electrical panel are not photographed. Plumbing fixtures and toilets appear new/clean. Because key systems (furnace/AC, water heater, electric panel) are not shown but listing claims updates, score reflects probable good condition with some uncertainty until equipment is verified and tested."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing statement that plumbing, electrical and roof were updated is accurate and work completed to code.",
"Central HVAC exists and is operational (ceiling vents visible) though condenser/air handler not photographed.",
"Water heater is present and operational though not shown.",
"Electrical panel is intact and compliant; no visible knob-and-tube or exposed wiring inside photos.",
"Bedrooms have egress windows that meet local code based on window size visible in bedroom photos.",
"Owner/agent will supply or install stove and refrigerator prior to move-in OR tenant-supplied appliances are acceptable to the PHA.",
"Smoke detectors and CO alarms may exist beyond photographed hallway detector but full coverage must be confirmed.",
"GFCI protection in kitchen and bathrooms is not visible in photos and should be verified/installed if missing."
],
"score_method": "mean_of_criteria",
"overall_score": 78.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7937358237"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.