Property ID: 7960534504
421 Wedgeworth Rd, Birmingham, AL, 35215
Birmingham, AL
Money Down: $26,400
CoC Return: 12.67%
Monthly Cash Flow: $279
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
12.67%
Rent
$1,223
Monthly Cash Flow
$279
Annual Cash Flow
$3,344
Debt Service / Mo
$585
Property Tax / Mo
$156
Insurance / Mo
$80
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,223
Payment Standard
$1,738
Rent
$1,223
Insurance
$80
Property Tax
$156
Management
$122
Utilities Allowance
$515
NOI (Monthly)
$864
Debt Service
$585
Cash Flow After Debt
$279
Quality Score: 72.00%
Confidence: 82.00%
Overall the property presents as a mostly move‑in ready single‑story home with good cosmetic updates inside, a sound brick exterior, and recent-looking roof. Primary issues visible from photos are exterior/site maintenance (overgrown shrubs, cracked driveway/steps, unkempt yard) and a few small safety items (porch railing/steps). Several NSPIRE‑critical items cannot be confirmed from photos — smoke/CO detectors, GFCI outlets, electrical panel condition, water heater, and verified working HVAC — so these should be confirmed prior to listing for Section 8 tenants. With minor repairs (secure/repair handrails and steps, driveway/landscaping cleanup) and verification/installation of required detectors/outlet protections, the home is likely to pass an initial Housing Choice Voucher (Section 8) inspection within 1–4 weeks.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$1,223
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
3
Baths
1.5
Living Area
1,092 sqft
Lot Size
10,890 sqft
Year Built
1959
Days on Market
73
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$156
Insurance / Mo
$80
Property Description
Charming 1-story home featuring 3 bedrooms and 1.5 bathrooms with a comfortable, easy-flow layout. The fenced backyard offers privacy and a great space for outdoor enjoyment. A simple and inviting home ready for its next owner!
Utility Allowances
Heating
$93
The property has Forced Air heating. The presence of an electric water heater suggests an all-electric home. The allowance for 'Elec Heat: Ala Power' was selected as Alabama Power is the primary provider in Birmingham.
Cooling
$22
The property includes Central Air conditioning. The allowance for 'A/C: Alabama Power' was selected as Alabama Power is the primary provider in Birmingham.
Cooking
$21
The property includes an electric oven. The allowance for 'Elec: Ala Power' was selected.
Water Heating
$56
The property has an electric water heater. The allowance for 'Elec: Ala Power' was selected.
Other Electric
$68
This covers general tenant electric usage for lights and appliances. The allowance for 'Lights, Ref, Etc.: Ala Power' was selected.
Water
$78
The property has public water and is located in Birmingham. The 'Water: Birmingham' allowance was selected.
Sewer
$151
The property details state it is connected to a public sewer service.
Trash Collection
$20
Trash collection is required for a single-family home. The 'Jefferson City (Once per week)' option was chosen as the most applicable for Birmingham, located in Jefferson County.
Range/Microwave
$6
A microwave is not listed as provided, so this allowance for a tenant-owned appliance is included.
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$810
DP3 Annual Estimate$1,121
DP1 Monthly Equivalent$68
DP3 Monthly Equivalent$93
Replacement Value$105,500
Basis1,092 sqft / 1959
Nearby Houses
Photo unavailable
429 Wedgeworth Rd
sold · 0.03 mi
Price: $139,000
3 bd / 2 ba · 1,136 sqft
Latest sale: $139,000 on Jul 11, 2023
Latest rent: $850 on Jun 05, 2017
Photo unavailable
433 Wedgeworth Rd
off_market · 0.04 mi
Price: $133,357
3 bd / 2 ba · 1,098 sqft
Latest sale: $83,500 on Feb 05, 2021
Latest rent: $1,100 on Nov 28, 2023
Photo unavailable
432 Wedgeworth Rd
sold · 0.05 mi
Price: $85,900
3 bd / 2 ba · 1,045 sqft
Latest sale: $85,900 on Apr 23, 2018
Latest rent: $1,050 on Jun 02, 2022
Photo unavailable
416 Wedgeworth Rd
sold · 0.05 mi
Price: $190,000
3 bd / 2 ba · 1,074 sqft
Latest sale: $190,000 on Apr 19, 2024
Latest rent: $800 on Apr 16, 2017
Photo unavailable
436 Wedgeworth Rd
sold · 0.05 mi
Price: $73,500
3 bd / 2 ba · 1,079 sqft
Latest sale: $73,500 on Jun 12, 2019
Latest rent: $1,300 on Jan 05, 2026
Photo unavailable
1134 Calico Cir
sold · 0.06 mi
Price: $134,900
4 bd / 2 ba · 1,790 sqft
Latest sale: $134,900 on May 21, 2021
Latest rent: $1,350 on Jul 06, 2023
Photo unavailable
1117 Calico Cir
sold · 0.06 mi
Price: $95,000
4 bd / 3 ba
Latest sale: $95,000 on Apr 29, 2016
Latest rent: —
Photo unavailable
425 Burgundy Rd
sold · 0.07 mi
Price: $75,000
3 bd / 2 ba · 1,098 sqft
Latest sale: $75,000 on Jul 30, 2018
Latest rent: —
Photo unavailable
403 Wedgeworth Rd
sold · 0.07 mi
Price: $90,000
3 bd / 2 ba · 1,727 sqft
Latest sale: $90,000 on Mar 31, 2017
Latest rent: —
Photo unavailable
445 Wedgeworth Rd
sold · 0.08 mi
Price: $85,000
3 bd / 2 ba · 1,110 sqft
Latest sale: $85,000 on Feb 27, 2020
Latest rent: $850 on Mar 24, 2017
Photo unavailable
409 Burgundy Rd
sold · 0.08 mi
Price: $194,900
3 bd / 3 ba · 1,516 sqft
Latest sale: $194,900 on Jul 29, 2025
Latest rent: —
Photo unavailable
1124 Roebuck Lawn Dr
sold · 0.09 mi
Price: $123,000
3 bd / 2 ba · 1,079 sqft
Latest sale: $123,000 on Oct 15, 2022
Latest rent: $850 on Apr 04, 2018
Photo unavailable
1140 Roebuck Lawn Dr
sold · 0.09 mi
Price: $45,000
3 bd / 2 ba · 1,116 sqft
Latest sale: $45,000 on Apr 09, 2018
Latest rent: —
Photo unavailable
1116 Roebuck Lawn Dr
sold · 0.10 mi
Price: $118,000
3 bd / 2 ba · 1,125 sqft
Latest sale: $118,000 on May 26, 2023
Latest rent: $1,025 on Feb 15, 2023
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC system is present and operational (floor vents visible); exact service condition unknown and should be verified by testing.
- Roof is visually sound and was recently replaced or in good condition; no active leaks are visible in interior photos.
- Smoke and carbon monoxide detectors are not visible in listing photos; assume they may be missing or not shown — install/verify as needed for NSPIRE compliance.
- Electrical panel, GFCI outlets, and hot water system were not photographed; assume functional but require on-site verification.
- Kitchen appliances (range, refrigerator) are not clearly shown; assume they may be present or replaced easily — absence would be a moderate repair item, not an automatic safety failure.
- No obvious signs of severe structural issues (sagging rooflines, large foundation cracks) in provided exterior angles; a full inspection could uncover hidden issues given the house age (1959).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,819 | $125,500 | $25,100 |
| 2023 | $1,760 | $121,400 | $24,280 |
| 2022 | $1,552 | $107,100 | $21,420 |
| 2021 | $1,313 | $90,600 | $18,120 |
| 2020 | $1,313 | $90,600 | $18,120 |
| 2019 | $1,278 | $88,200 | $17,640 |
| 2018 | $1,131 | $78,000 | $15,600 |
| 2017 | $1,131 | $78,000 | $15,600 |
| 2016 | $1,131 | $78,000 | $15,600 |
| 2015 | $1,131 | $78,000 | $15,600 |
| 2013 | $1,128 | $80,100 | $16,020 |
| 2012 | $1,128 | $80,100 | $16,020 |
| 2011 | $1,225 | $87,100 | $17,420 |
| 2010 | $1,225 | $87,100 | $17,420 |
| 2009 | $1,225 | $87,100 | $17,420 |
| 2008 | $1,252 | $89,000 | $17,800 |
| 2007 | $1,200 | $85,300 | $17,060 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-11-03 | Sold | $122,500 |
| 2017-03-03 | Sold | $82,900 |
| 2016-12-07 | Sold | $34,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-02-20 | Listed for rent | $980 | — |
| 2025-01-08 | Listed for rent | $980 | — |
| 2024-12-14 | Listed for rent | $980 | — |
| 2022-05-27 | Listed for rent | $1,250 | — |
Photo Gallery
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{
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},
{
"note": "A microwave is not listed as provided, so this allowance for a tenant-owned appliance is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.47,
"down_payment_amount": 22000.0,
"property_tax_annual": 1873.57,
"property_tax_monthly": 156.13,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": 3343.74,
"property_management_monthly": 122.3,
"monthly_cash_flow_after_debt": 278.64,
"cash_on_cash_return_after_debt": 0.15
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property presents as a mostly move‑in ready single‑story home with good cosmetic updates inside, a sound brick exterior, and recent-looking roof. Primary issues visible from photos are exterior/site maintenance (overgrown shrubs, cracked driveway/steps, unkempt yard) and a few small safety items (porch railing/steps). Several NSPIRE‑critical items cannot be confirmed from photos — smoke/CO detectors, GFCI outlets, electrical panel condition, water heater, and verified working HVAC — so these should be confirmed prior to listing for Section 8 tenants. With minor repairs (secure/repair handrails and steps, driveway/landscaping cleanup) and verification/installation of required detectors/outlet protections, the home is likely to pass an initial Housing Choice Voucher (Section 8) inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently updated cosmetically — new-look vinyl plank floors, fresh paint, intact drywall, functioning interior lighting. Exterior brick shell is sound in photos. Observable deferred items are minor: overgrown shrubs blocking portions of windows/entry, cracked/aged concrete driveway and front walkway steps, small front porch steps and railing that may need stabilization. No visible major interior damage (no collapsed ceilings, severe staining, or exposed subfloor). Missing appliances not shown in photos (kitchen glimpses limited) — assumed replaceable but not catastrophic. Overall condition indicates minor repairs and landscaping/finish work prior to move-in."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No active life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed wiring). Bedrooms have windows that appear to meet egress visually. Entry door looks secure and likely has a keyed lock; deadbolt presence is not confirmed. Floor HVAC registers visible indicating central system. Smoke/carbon monoxide detectors, GFCI protection in kitchen/bath, and electrical panel condition are not visible in photos — these are required for NSPIRE and must be confirmed. Front porch railing exists but looks minimal/possibly loose and may require securing to meet handrail/guard requirements. Exterior steps show wear and trip hazard potential that should be addressed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Roof appears recently re-shingled or in good visual condition with no obvious sagging or active leaks in photos. Floor vents indicate presence of central HVAC; no photos of thermostat, furnace, or water heater to confirm operational status. Electrical panel, circuit labeling, and GFCI functionality are unshown. Plumbing fixtures not pictured in detail though bathrooms are listed; no visible water damage or mold in interior images. Given the home's age (1959), older systems are possible but visible evidence supports functioning major systems pending verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Brick exterior and detached garage/shed visible and generally intact. Front yard is unmaintained (heavy leaf cover, compacted bare soil) and driveway/walkway show cracking and displacement that create trip hazards. Fenced backyard is advertised and visible chain link fence at side, which is a positive for tenant safety/privacy. Large mature trees are nearby (possible future roof/leaf debris risk) and one tree has ivy on trunk — suggests need for routine maintenance. No visible evidence of infestation or major foundation displacement from provided angles, but full foundation inspection recommended."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC system is present and operational (floor vents visible); exact service condition unknown and should be verified by testing.",
"Roof is visually sound and was recently replaced or in good condition; no active leaks are visible in interior photos.",
"Smoke and carbon monoxide detectors are not visible in listing photos; assume they may be missing or not shown — install/verify as needed for NSPIRE compliance.",
"Electrical panel, GFCI outlets, and hot water system were not photographed; assume functional but require on-site verification.",
"Kitchen appliances (range, refrigerator) are not clearly shown; assume they may be present or replaced easily — absence would be a moderate repair item, not an automatic safety failure.",
"No obvious signs of severe structural issues (sagging rooflines, large foundation cracks) in provided exterior angles; a full inspection could uncover hidden issues given the house age (1959)."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 1959 brick ranch presents as moderately turnkey for a Housing Choice Voucher initial inspection. Visible interior and exterior conditions are generally good with recent-looking finishes and an intact roof, ducted HVAC vents, and egress windows — most issues are minor cosmetic or capital items (landscaping, driveway/steps, possible appliance replacement). Primary inspection risks are missing/undemonstrated smoke/CO detectors, GFCI protection, and unverified mechanical operation (HVAC, hot water, electrical panel). With modest pre-inspection fixes (install/verify detectors, GFCIs, clear debris, check HVAC/water heater operation, address driveway steps) this property is likely to pass NSPIRE/HCV initial inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Cosmetic condition appears good: fresh-looking LVP floors, painted walls and intact ceilings in living areas and bedrooms. Exterior brick is intact. Observable deferred maintenance is minor: overgrown shrubs, leaf/debris accumulation on yard and roof, cracked/spalled concrete at driveway/steps, small front stoop showing weathering. Photos do not show kitchen appliances clearly; missing or older appliances would be an easy-to-fix capital item and have been allowed only a moderate penalty. Overall finish condition indicates minor repairs and cleaning required before tenancy."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No visible life-threatening hazards in photos: ceilings intact, no visible water stains or mold, windows present in each bedroom (egress likely adequate from photos). Visible floor registers indicate ducted HVAC. However photos do not show smoke detectors, carbon monoxide alarms, GFCI outlets in kitchen/baths, or the electrical panel—these are required by NSPIRE; absence in photos raises inspection risk. Front entry has a small handrail on one side but not a robust guardrail; steps are low (likely not a fatal code issue) but should be verified. No exposed wiring or active leaks visible. Score accounts for likely pass on major items but a reasonable chance of citation for missing detectors/GFCIs unless installed prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 72.0,
"rationale": "Roof appears recently shingled and in good visible condition with no sagging or obvious failures; a small accumulation of leaves in a roof valley is present but not structural. Interior floor vents visible indicate an installed forced-air HVAC system; system presence reduces a major failure risk but age and operational status are not verifiable from photos. No visible plumbing leaks or water damage inside. Electrical panel and water heater are not shown. Given visible evidence, major systems are likely functional but unconfirmed — moderate risk remains until service records or on-site verification (HVAC operation, hot water, panel condition, GFCI) are obtained."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior brick and windows appear intact; fenced backyard and detached garage are present (positive for tenant use). Driveway shows cracking and some spalling; concrete steps down the front yard present potential trip hazard if not cleared. Yard is unmaintained (leaves, low vegetation) but no standing water or evidence of infestation visible. Large mature tree close to the house and a vine on a trunk near the garage are noted — monitor for falling limbs or future root/foundation issues. Overall site is functional with cleanup and minor repairs recommended."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior photos show living areas and bedrooms only; kitchen appliances (stove/refrigerator) and water heater are not visible. I assume appliances may be present or easily replaceable; missing appliances are treated as moderate capital items, not automatic failures.",
"HVAC is assumed to be central forced-air because floor/room registers are visible. Operational status is unknown and assumed likely functional but should be verified.",
"No smoke detectors or CO alarms are visible in the photos; assume they may not be installed or not shown. Inspector will require properly-located working alarms.",
"Electrical panel location and condition are not shown; assume typical service for similar homes unless otherwise disclosed.",
"Roof visually appears recently shingled with no active leaks; assume roof is serviceable from photos but final confirmation requires attic inspection.",
"Foundation and structural elements show no visible major movement or sagging in available photos; assume no major structural defects unless interior/under-floor inspection indicates otherwise.",
"Large trees close to the house present a medium-term risk (limb failure/roots) but no immediate structural damage is apparent in photos."
],
"overall_score": 80.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears generally sound and cosmetically updated with new flooring, painted interiors, intact brick exterior and a seemingly healthy roof. Primary inspection risks are absence/uncertainty of smoke and carbon monoxide detectors, unverified GFCI protection in wet areas, and unknown operational status/ages of HVAC, water heater and electrical panel. Exterior maintenance (shrubs, driveway repair, front steps) and installation of required detectors/GFCI outlets are the most likely immediate items to address. With 1–4 small repairs and verification of mechanicals, the home is likely Section 8 / HCV inspection-ready within 30 days; turnkey with minimal work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking vinyl plank flooring, fresh paint, intact trim and ceiling finishes. No visible water stains, mold, or collapsed ceilings. Exterior brick facade appears intact. Observable deferred items: overgrown shrubs blocking foundation/egress lines, leaf/debris accumulation, cracked driveway and front step edges, small wooden porch stair and rail that look weathered and may need fastening/paint. Kitchen and appliances are not shown; missing appliances would be an easy-to-fix capital item but are not visible. Overall, mostly cosmetic/low-cost repairs required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No life-threatening hazards visible (no collapsed ceilings, active standing water, or obvious structural sag). Photos do not show smoke detectors or carbon monoxide detectors; absence of visible detectors is a likely NSPIRE inspection issue and will require installation. Entry door appears solid and likely has a keyed lock; deadbolt presence is unclear. No exposed wiring or visible electrical hazards in photos. Floor vents indicate forced-air system and functioning return/venting. Window sizes appear adequate for egress in bedrooms from photographs, but exact sill heights and clear opening not verified. GFCI outlets in kitchen/bath are not visible. Given the photos, primary safety risk is missing/uncertain detectors and unknown GFCI protection; otherwise low visible risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 70.0,
"rationale": "Roof shingles appear in good condition with recent-looking replacement or patching; no visible active leaks or sagging rooflines. Floor registers are present indicating central HVAC/forced air but exterior condensing unit and furnace/water heater are not shown; their operational status is unknown. Electrical panel not visible; no visible knob-and-tube or exposed wiring. Plumbing fixtures not shown; no visible water intrusion or stains. Given visual evidence, likely functional major systems but unverified components (HVAC operational status, water heater age/condition, electrical panel) create moderate inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick exterior appears intact with no visible major foundation cracks or settling. Property has a fenced backyard and a detached garage/shed visible in images. Yard has leaf cover and minimal grading maintenance; driveway shows cracking and surface spalling steps. Shrubbery is overgrown against the house which can trap moisture and needs trimming. Walkway/step edges are intact but could be trip hazards when covered by leaves. No evidence of infestation, standing water, or large exterior structural damage in provided photos."
},
{
"key": "rental_history_activity",
"label": "Rental History / Activity (5-year)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Central forced-air HVAC system is present (floor registers visible) and operational but the condenser/furnace were not photographed.",
"Water heater and main plumbing lines exist and are operational; no visible interior water stains or mold were observed to suggest failure.",
"Electrical panel is intact and up to code; no visible exposed wiring observed in photos.",
"Smoke detectors and carbon monoxide detectors are not visible in photos and should be assumed absent or not compliant until verified.",
"GFCI protection in kitchen/bathrooms was not visible in listing photos and is assumed unknown.",
"Windows seen in bedrooms meet egress size/respond adequately, but exact measurements and sill heights are unverified.",
"Kitchen appliances (stove/fridge) were not photographed; their presence and condition are unknown and would be treated as moderate capital items if missing."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "421 Wedgeworth Rd, Birmingham, AL, 35215",
"aggregate": {
"summary": "Overall the property presents as a mostly move‑in ready single‑story home with good cosmetic updates inside, a sound brick exterior, and recent-looking roof. Primary issues visible from photos are exterior/site maintenance (overgrown shrubs, cracked driveway/steps, unkempt yard) and a few small safety items (porch railing/steps). Several NSPIRE‑critical items cannot be confirmed from photos — smoke/CO detectors, GFCI outlets, electrical panel condition, water heater, and verified working HVAC — so these should be confirmed prior to listing for Section 8 tenants. With minor repairs (secure/repair handrails and steps, driveway/landscaping cleanup) and verification/installation of required detectors/outlet protections, the home is likely to pass an initial Housing Choice Voucher (Section 8) inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Interior appears recently updated cosmetically — new-look vinyl plank floors, fresh paint, intact drywall, functioning interior lighting. Exterior brick shell is sound in photos. Observable deferred items are minor: overgrown shrubs blocking portions of windows/entry, cracked/aged concrete driveway and front walkway steps, small front porch steps and railing that may need stabilization. No visible major interior damage (no collapsed ceilings, severe staining, or exposed subfloor). Missing appliances not shown in photos (kitchen glimpses limited) — assumed replaceable but not catastrophic. Overall condition indicates minor repairs and landscaping/finish work prior to move-in."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick exterior and detached garage/shed visible and generally intact. Front yard is unmaintained (heavy leaf cover, compacted bare soil) and driveway/walkway show cracking and displacement that create trip hazards. Fenced backyard is advertised and visible chain link fence at side, which is a positive for tenant safety/privacy. Large mature trees are nearby (possible future roof/leaf debris risk) and one tree has ivy on trunk — suggests need for routine maintenance. No visible evidence of infestation or major foundation displacement from provided angles, but full foundation inspection recommended."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 68.3,
"rationale": "No active life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed wiring). Bedrooms have windows that appear to meet egress visually. Entry door looks secure and likely has a keyed lock; deadbolt presence is not confirmed. Floor HVAC registers visible indicating central system. Smoke/carbon monoxide detectors, GFCI protection in kitchen/bath, and electrical panel condition are not visible in photos — these are required for NSPIRE and must be confirmed. Front porch railing exists but looks minimal/possibly loose and may require securing to meet handrail/guard requirements. Exterior steps show wear and trip hazard potential that should be addressed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.7,
"rationale": "Roof appears recently re-shingled or in good visual condition with no obvious sagging or active leaks in photos. Floor vents indicate presence of central HVAC; no photos of thermostat, furnace, or water heater to confirm operational status. Electrical panel, circuit labeling, and GFCI functionality are unshown. Plumbing fixtures not pictured in detail though bathrooms are listed; no visible water damage or mold in interior images. Given the home's age (1959), older systems are possible but visible evidence supports functioning major systems pending verification."
}
],
"red_flags": [],
"confidence": 0.82,
"assumptions": [
"Central HVAC system is present and operational (floor vents visible); exact service condition unknown and should be verified by testing.",
"Roof is visually sound and was recently replaced or in good condition; no active leaks are visible in interior photos.",
"Smoke and carbon monoxide detectors are not visible in listing photos; assume they may be missing or not shown — install/verify as needed for NSPIRE compliance.",
"Electrical panel, GFCI outlets, and hot water system were not photographed; assume functional but require on-site verification.",
"Kitchen appliances (range, refrigerator) are not clearly shown; assume they may be present or replaced easily — absence would be a moderate repair item, not an automatic safety failure.",
"No obvious signs of severe structural issues (sagging rooflines, large foundation cracks) in provided exterior angles; a full inspection could uncover hidden issues given the house age (1959)."
],
"score_method": "mean_of_criteria",
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7960534504"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.