Property ID: 7971178043
2332 3rd St, Center Point, AL, 35215
Center Point, AL
Money Down: $28,296
CoC Return: 12.44%
Monthly Cash Flow: $293
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,580
Closing Costs
$4,716
Total Down
$28,296
Investment Snapshot
Purchase Price
$117,900
Money Down
$28,296
Cash-on-Cash Return
12.44%
Rent
$1,215
Monthly Cash Flow
$293
Annual Cash Flow
$3,520
Debt Service / Mo
$628
Property Tax / Mo
$84
Insurance / Mo
$89
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,215
Payment Standard
$1,738
Rent
$1,215
Insurance
$89
Property Tax
$84
Management
$122
Utilities Allowance
$523
NOI (Monthly)
$921
Debt Service
$628
Cash Flow After Debt
$293
Quality Score: 63.00%
Confidence: 89.00%
Moderate readiness for Section 8/HCV inspection. The property is structurally intact and appears rentable after moderate turnover work (cleaning, paint, flooring, appliance verification), but there are inspection-risk safety items — notably missing/undocumented smoke/CO detectors and at least one exposed electrical box/outlet cover — that must be corrected before passing NSPIRE inspection. Expect 30–60 days to reach compliance pending systems verification and minor repairs.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,215
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$117,900
Beds
3
Baths
1
Living Area
1,336 sqft
Lot Size
16,553 sqft
Year Built
1959
Days on Market
14
Capital Outlay
$28,296
Debt Service
$628
Property Tax / Mo
$84
Insurance / Mo
$89
Property Description
This 3 bedroom home is located in a very quiet neighborhood. Close to schools & shopping centers,Offering easy access to everything you need one of the bedrooms even has it's own office/sunroom/quiet space. The large fenced in back yard will accommodate both childrens' and grown-up toys. Family gatherings would be awesome with so much yard to barbecue, play games & much, much more (More pictures to come)
Utility Allowances
heating
$93
Property has central heating. Electric fuel was chosen as it is consistent with the explicitly mentioned electric water heater and electric dryer hookup. 'Ala Power' is the largest regional provider.
cooling
$22
Property has central cooling. Assumed to be electric and provided by 'Alabama Power' as the most common regional provider.
cooking
$21
Cooking fuel type is not specified. Electric was chosen to be consistent with other appliances (electric water heater, electric dryer hookup). 'Ala Power' is the assumed provider.
water_heating
$56
Property details explicitly state 'Water Heaters: Electric (WTRHTR)'. 'Ala Power' is selected as the provider.
other_electric
$68
This covers general electricity for lights and outlets. Assumed provider is 'Ala Power'. This allowance includes usage for a tenant-owned refrigerator.
water
$78
Property details list 'Public Water'. Center Point is served by the Birmingham Water Works Board, so the 'Water: Birmingham' schedule was used.
sewer
$151
Property details state the sewer is 'Connected'. The schedule provides a fixed value based on bedroom count.
trash_collection
$20
The property is in Center Point. The 'Jefferson City (Once per week)' option was selected as the most appropriate municipal service from the schedule.
refrigerator
$8
A refrigerator is not listed as a provided appliance, so this allowance is for a tenant-owned appliance.
range_microwave
$6
A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned appliance.
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$903
DP3 Annual Estimate$1,232
DP1 Monthly Equivalent$75
DP3 Monthly Equivalent$103
Replacement Value$129,200
Basis1,336 sqft / 1959
Nearby Houses
Photo unavailable
2328 3rd St NW
sold · 0.02 mi
Price: $198,000
3 bd / 2 ba · 1,706 sqft
Latest sale: $198,000
Latest rent: —
Photo unavailable
2337 NW 3rd Pl
sold · 0.04 mi
Price: $92,000
3 bd / 1 ba · 1,361 sqft
Latest sale: $92,000
Latest rent: —
Photo unavailable
2329 3rd Pl NW
sold · 0.04 mi
Price: $169,000
4 bd / 2 ba · 1,596 sqft
Latest sale: $169,000
Latest rent: —
Photo unavailable
2329 3rd St
for_sale · 0.04 mi
Price: $190,000
4 bd / 2 ba · 2,300 sqft
Latest sale: $50,043
Latest rent: —
Photo unavailable
228 23rd Ter NW
sold · 0.07 mi
Price: $43,086
3 bd / 2 ba · 1,362 sqft
Latest sale: $43,086
Latest rent: —
Photo unavailable
2332 3rd Pl NW
sold · 0.08 mi
Price: $40,000
3 bd / 1 ba · 1,065 sqft
Latest sale: $40,000 on Mar 07, 2018
Latest rent: —
Photo unavailable
2340 3rd Pl NW
sold · 0.09 mi
Price: $100,000
3 bd / 1 ba · 1,087 sqft
Latest sale: $100,000 on Apr 12, 2024
Latest rent: $1,650 on Feb 14, 2026
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide detectors (NSPIRE requirement) — likely an automatic fail until installed.
- Observed missing outlet/switch cover and apparent exposed electrical box/switch in wood-paneled room — electrical hazard that could cause inspection failure.
- Interior carpeting in living room is heavily soiled/stained and may conceal previous water intrusion or mold risk; requires cleaning/replacement and possible mold assessment.
- Major systems (water heater, HVAC functionality, electrical panel) not documented in photos — unknowns that could reveal additional failures on inspection.
Assumptions
- No working smoke or carbon monoxide detectors are present (none visible in photos) and will need installation.
- Central HVAC exists (floor/wall vents visible) but operational status is unknown and will require testing and possible servicing.
- Kitchen and bathroom photos were not provided; presence and condition of stove, refrigerator, and water heater are unknown. Missing appliances would be replaced/installed before tenancy.
- Electrical service and panel location were not shown; assume a standard panel exists but needs inspection. Observed missing cover(s) indicate at least localized electrical corrections required.
- No obvious active roof leaks or major foundation movement in photos; assume no catastrophic structural issues unless an in-person inspection reveals otherwise.
- Listing text states a fenced backyard; fence condition not photographed but assumed serviceable.
- Rental history data is missing, so rental_history_activity was excluded from the overall weighted score per instructions.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2008 | $975 | $95,900 | $19,180 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-02 | Listed | $117,900 |
| 2008-07-24 | Sold | $70,500 |
| 2007-08-17 | Listed | $79,500 |
Photo Gallery
Show raw JSON (debug)
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{
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"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 117900.0,
"loan_term_years": 30,
"annual_cash_flow": 11050.25,
"mortgage_monthly": 627.51,
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"effective_date": "2026-01-01"
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"utility_allowances": [
{
"note": "Property has central heating. Electric fuel was chosen as it is consistent with the explicitly mentioned electric water heater and electric dryer hookup. 'Ala Power' is the largest regional provider.",
"utility": "heating",
"allowance": 93
},
{
"note": "Property has central cooling. Assumed to be electric and provided by 'Alabama Power' as the most common regional provider.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Cooking fuel type is not specified. Electric was chosen to be consistent with other appliances (electric water heater, electric dryer hookup). 'Ala Power' is the assumed provider.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Property details explicitly state 'Water Heaters: Electric (WTRHTR)'. 'Ala Power' is selected as the provider.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "This covers general electricity for lights and outlets. Assumed provider is 'Ala Power'. This allowance includes usage for a tenant-owned refrigerator.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property details list 'Public Water'. Center Point is served by the Birmingham Water Works Board, so the 'Water: Birmingham' schedule was used.",
"utility": "water",
"allowance": 78
},
{
"note": "Property details state the sewer is 'Connected'. The schedule provides a fixed value based on bedroom count.",
"utility": "sewer",
"allowance": 151
},
{
"note": "The property is in Center Point. The 'Jefferson City (Once per week)' option was selected as the most appropriate municipal service from the schedule.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance, so this allowance is for a tenant-owned appliance.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned appliance.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.47,
"down_payment_amount": 23580.0,
"property_tax_annual": 1004.25,
"property_tax_monthly": 83.69,
"property_tax_increase": 0.03,
"utility_allowance_total": 523.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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"effective_date": "2026-01-01"
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"runs": [
{
"summary": "Moderate readiness for Section 8/HCV inspection. The property is structurally intact and appears rentable after moderate turnover work (cleaning, paint, flooring, appliance verification), but there are inspection-risk safety items — notably missing/undocumented smoke/CO detectors and at least one exposed electrical box/outlet cover — that must be corrected before passing NSPIRE inspection. Expect 30–60 days to reach compliance pending systems verification and minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior photos show generally intact finishes but clear deferred maintenance: stained/soiled carpeting in living room, scuffed/dirty walls, several missing outlet/switch covers, and general cosmetic wear. Hardwood floors in bedrooms appear serviceable but need refinishing/touch-up in places. No large collapsed ceilings, detached cabinetry, or exposed subfloor observed. Missing kitchen/bath photos mean appliances/fixtures are unknown; missing appliances would reduce readiness moderately but are not catastrophic. Overall condition suggests mostly cosmetic and mid-level turnover work (cleaning, carpet replacement, paint, minor carpentry) rather than major structural rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 50.0,
"rationale": "Several NSPIRE safety items are not visible or are potential issues: no smoke detectors or CO detectors are visible in any room photo (likely automatic fail until installed), at least one outlet/switch appears to lack a cover and there is a exposed electrical switch/metal box in the wood-paneled room which creates an electrical hazard. Egress windows appear present for ground-floor bedrooms and no obvious blocked exits are seen. Front steps have handrails. No active water intrusion, collapsed ceilings, or severe foundation cracks visible. GFCI presence in kitchen/bath cannot be confirmed. Because of the observable electrical hazards and missing detectors, this category creates a substantial inspection risk until corrected."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 55.0,
"rationale": "Central forced-air vents are visible in photos, indicating a central HVAC system likely exists, but no HVAC equipment, thermostat operational status, water heater, or electrical panel photos were provided. Roof appears aged but intact from the street; no obvious sagging or active leaks visible. Plumbing fixtures, hot water, and electrical panel cannot be confirmed. Given the age (1959) there is moderate risk of systems requiring servicing or replacement, but no clear evidence of catastrophic system failure in photos. Inspection/functional testing will be required to confirm heating, cooling, hot water, and electrical safety."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Brick exterior appears sound with no visible major cracking. Roof shingles show age but no visible major failure or sag. Front steps and handrails present. Yard is large and fenced (listing text) which is a positive for rental. Minor site issues: driveway/walkway edging bricks uneven, sparse landscaping, and potential trip hazard where brick edging meets lawn. No standing water, visible infestation, or major foundation displacement observed in the provided exterior photo."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors (NSPIRE requirement) — likely an automatic fail until installed.",
"Observed missing outlet/switch cover and apparent exposed electrical box/switch in wood-paneled room — electrical hazard that could cause inspection failure.",
"Interior carpeting in living room is heavily soiled/stained and may conceal previous water intrusion or mold risk; requires cleaning/replacement and possible mold assessment.",
"Major systems (water heater, HVAC functionality, electrical panel) not documented in photos — unknowns that could reveal additional failures on inspection."
],
"confidence": 0.6,
"assumptions": [
"No working smoke or carbon monoxide detectors are present (none visible in photos) and will need installation.",
"Central HVAC exists (floor/wall vents visible) but operational status is unknown and will require testing and possible servicing.",
"Kitchen and bathroom photos were not provided; presence and condition of stove, refrigerator, and water heater are unknown. Missing appliances would be replaced/installed before tenancy.",
"Electrical service and panel location were not shown; assume a standard panel exists but needs inspection. Observed missing cover(s) indicate at least localized electrical corrections required.",
"No obvious active roof leaks or major foundation movement in photos; assume no catastrophic structural issues unless an in-person inspection reveals otherwise.",
"Listing text states a fenced backyard; fence condition not photographed but assumed serviceable.",
"Rental history data is missing, so rental_history_activity was excluded from the overall weighted score per instructions."
],
"overall_score": 60.0,
"rubric_version": "2026-02-16_nsPIRE_v1"
},
{
"summary": "This 3-bedroom brick ranch appears to be a moderately good candidate for Section 8 tenancy but will need several targeted repairs before passing an initial NSPIRE inspection. Primary tasks: install/verify functioning smoke detectors and CO alarms, replace missing outlet/switch covers and address any exposed wiring, deep clean or replace stained carpeting, patch/paint walls and replace or provide kitchen appliances if absent. Major systems (HVAC, water heater, electrical panel, roof) are not shown and should be inspected; no obvious catastrophic structural failures are visible in photos. With ~2–6 weeks of focused work (safety devices, electrical covers, cleaning/paint, appliance provisioning and a systems check), the property should be rent-ready for an HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior shows primarily cosmetic deferred maintenance: stained/soiled carpet in the living room, scuffed/marked walls with multiple small nail/fixture holes, some trim/window-sill wear and missing switch/outlet covers. Hardwood floors in bedrooms appear serviceable but need refinishing in places. No visible collapsed ceilings, large drywall failures or exposed subfloor. Listing/ photos do not show kitchen appliances; missing stove/fridge (if absent) would be a moderate deduction but not a safety failure. Overall condition indicates mostly cosmetic and mid-level touch-up work (carpet replacement, paint, trim, minor carpentry) rather than major structural rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 55.0,
"rationale": "Photos do not show any smoke detectors or carbon monoxide alarms; absence on photos is a code risk because functioning smoke detectors are required. There are at least two visible switch/outlet locations with missing covers (electrical shock risk). No obvious severe trip hazards, collapsed ceilings, or visible active leaks. Windows appear operable and likely provide bedroom egress but window sizes/egress clearances are not measured. No visible GFCI-protected receptacles in kitchen/bath photos provided. Entry has handrail on front steps and the front stairs appear intact. Because key life-safety devices (smoke/CO detectors, GFCI) are not visible and there are exposed/missing covers, this is a moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Major systems are not directly shown. Floor/ wall vents visible (indicative of central heating/AC or forced-air), suggesting HVAC equipment exists but its operational status is unknown. Roof appears intact in photos with no visible sagging or active leaks, but shingles look aged — probable remaining service life but not an immediate visible failure. No water heater, furnace, electrical panel or plumbing fixtures are shown so their condition is assumed but unverified. Given age of the house (1959) systems are likely older and should be inspected; no clear evidence of catastrophic failure but unknowns lower the score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick exterior and foundation appear sound in the available frontal image with no visible major cracks or settlement. Front steps and metal handrails are present; driveway and yard show normal wear. Roof shingles appear aged but not visibly collapsed. Listing mentions a large fenced backyard (not pictured) which is a positive for tenant use. Minor curb appeal work and gutter/downspout check may be needed. No visible infestation or standing water on site photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE safety failure if absent).",
"Missing outlet/switch cover(s) and at least one exposed electrical box noted (electrical shock hazard).",
"Mechanical/system condition (HVAC, water heater, electrical panel) not shown — unverified critical systems increase inspection risk."
],
"confidence": 0.65,
"assumptions": [
"No working smoke detectors or CO alarms were visible in photos; assume none are installed or they were not photographed.",
"Central HVAC exists (floor/wall vents visible) but operation and age are unknown; assume functional but may be aged.",
"Electrical panel, water heater, furnace and plumbing fixtures were not shown; assume present but unverified.",
"Kitchen photos and appliances were not provided; assume stove and refrigerator may be missing or not included with listing.",
"No signs of active roof leaks, major foundation movement, collapsed ceilings or severe mold were visible; assume these major failures are absent.",
"Rear yard is fenced as described in listing though fence condition is unverified from provided photos."
],
"overall_score": 64.0,
"rubric_version": "ns_pire_v1_photo_assessment_2026-02"
},
{
"summary": "Likely a moderate Section 8/NSPIRE pass risk: the home appears structurally sound with mostly cosmetic deferred maintenance. Primary inspection risks are missing/unverified smoke and CO detectors, a visible missing outlet cover/electrical hazard, and unverified GFCI/proof of functioning major systems (water heater, furnace, electrical panel). With targeted work — install/verify detectors, fix exposed outlet cover, clean/replace carpeting, address small trip hazards, and service major systems — the property should be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Photos show overall intact structure and finishes but visible deferred maintenance and cosmetic wear: stained/dirty carpeting in living area, scuffed/marked walls, older window treatments and some missing outlet/cover evidence. Interior finishes (paint, trim, some flooring) will need cleaning/refresh; some rooms have serviceable hardwood/laminate but need refinishing or cleaning. Kitchen and bathroom photos not provided — missing appliance status unknown; absence of appliances in photos typically requires landlord provisioning but is not a catastrophic inspection failure. Overall these are mostly cosmetic/medium-effort repairs that can be completed in a few weeks."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No visible smoke detectors or CO alarms in photos (NSPIRE requires working smoke detectors in sleeping areas and hallways and CO alarms where fuel-burning appliances exist), one outlet/cover appears missing (electrical hazard). Entry steps have handrails present. Windows in bedrooms appear to provide egress. No visible active water stains, sagging ceilings, or severe mold in photos. GFCI locations (kitchen/bath) and electrical panel condition are not shown and therefore unverified. Because smoke/CO detectors and GFCI status are critical and not visible, this raises moderate compliance risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Low wall vents and registers indicate a forced-air HVAC system likely exists; no visible evidence of failed heating/ceiling collapse or interior water intrusion. Roof shingles look aged but show no visible sagging or active leaks (no interior ceiling stains). Water heater, electrical panel and plumbing fixtures were not photographed and could not be directly inspected. Given age of house (1959) some system components may be older and should be serviced, but no visible catastrophic failure is present in provided images."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior and foundation vents appear intact and stable; attached garage present. Roof appears aged but intact from photos. Front steps have handrails; however the small decorative brick edging/walkway is displaced and could be a trip hazard. Yard is fenced per listing; driveway shows wear. No evidence of standing water, major foundation movement, or collapsed structures in supplied photos."
}
],
"red_flags": [
"Missing/unverified smoke detectors and carbon monoxide alarms (critical NSPIRE items not visible).",
"Electrical hazard: at least one outlet/cover missing or loose (exposed outlet risk).",
"Potential lead-based paint risk (house built 1959; requires lead-safe practices if disturbed).",
"Trip hazard: displaced brick edging/walkway near front steps/driveway.",
"Aged roof (shingles appear old) — while no active leaks are visible, roof nearing end of service life could trigger further inspection."
],
"confidence": 0.65,
"assumptions": [
"Forced-air HVAC exists and is operable (vents/registers visible) though not photographed.",
"There are no active roof leaks or interior water stains (ceilings appear unstained in photos).",
"Water heater and main plumbing are present and functional though not shown.",
"No visible peeling paint was observed; however property was built in 1959 so lead-based paint risk applies and must be addressed per NSPIRE/Local rules if renovation is performed.",
"Kitchen and bathroom conditions (fixtures, presence/condition of appliances) were not provided; assume appliances may be missing or older.",
"Front entry has a keyed lock; presence of a deadbolt was not confirmed."
],
"overall_score": 65.0,
"rubric_version": "2026-02-16-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2332 3rd St, Center Point, AL, 35215",
"aggregate": {
"summary": "Moderate readiness for Section 8/HCV inspection. The property is structurally intact and appears rentable after moderate turnover work (cleaning, paint, flooring, appliance verification), but there are inspection-risk safety items — notably missing/undocumented smoke/CO detectors and at least one exposed electrical box/outlet cover — that must be corrected before passing NSPIRE inspection. Expect 30–60 days to reach compliance pending systems verification and minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 66.0,
"rationale": "Interior photos show generally intact finishes but clear deferred maintenance: stained/soiled carpeting in living room, scuffed/dirty walls, several missing outlet/switch covers, and general cosmetic wear. Hardwood floors in bedrooms appear serviceable but need refinishing/touch-up in places. No large collapsed ceilings, detached cabinetry, or exposed subfloor observed. Missing kitchen/bath photos mean appliances/fixtures are unknown; missing appliances would reduce readiness moderately but are not catastrophic. Overall condition suggests mostly cosmetic and mid-level turnover work (cleaning, carpet replacement, paint, minor carpentry) rather than major structural rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 73.3,
"rationale": "Brick exterior appears sound with no visible major cracking. Roof shingles show age but no visible major failure or sag. Front steps and handrails present. Yard is large and fenced (listing text) which is a positive for rental. Minor site issues: driveway/walkway edging bricks uneven, sparse landscaping, and potential trip hazard where brick edging meets lawn. No standing water, visible infestation, or major foundation displacement observed in the provided exterior photo."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not visible or are potential issues: no smoke detectors or CO detectors are visible in any room photo (likely automatic fail until installed), at least one outlet/switch appears to lack a cover and there is a exposed electrical switch/metal box in the wood-paneled room which creates an electrical hazard. Egress windows appear present for ground-floor bedrooms and no obvious blocked exits are seen. Front steps have handrails. No active water intrusion, collapsed ceilings, or severe foundation cracks visible. GFCI presence in kitchen/bath cannot be confirmed. Because of the observable electrical hazards and missing detectors, this category creates a substantial inspection risk until corrected."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "Central forced-air vents are visible in photos, indicating a central HVAC system likely exists, but no HVAC equipment, thermostat operational status, water heater, or electrical panel photos were provided. Roof appears aged but intact from the street; no obvious sagging or active leaks visible. Plumbing fixtures, hot water, and electrical panel cannot be confirmed. Given the age (1959) there is moderate risk of systems requiring servicing or replacement, but no clear evidence of catastrophic system failure in photos. Inspection/functional testing will be required to confirm heating, cooling, hot water, and electrical safety."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors (NSPIRE requirement) — likely an automatic fail until installed.",
"Observed missing outlet/switch cover and apparent exposed electrical box/switch in wood-paneled room — electrical hazard that could cause inspection failure.",
"Interior carpeting in living room is heavily soiled/stained and may conceal previous water intrusion or mold risk; requires cleaning/replacement and possible mold assessment.",
"Major systems (water heater, HVAC functionality, electrical panel) not documented in photos — unknowns that could reveal additional failures on inspection."
],
"confidence": 0.89,
"assumptions": [
"No working smoke or carbon monoxide detectors are present (none visible in photos) and will need installation.",
"Central HVAC exists (floor/wall vents visible) but operational status is unknown and will require testing and possible servicing.",
"Kitchen and bathroom photos were not provided; presence and condition of stove, refrigerator, and water heater are unknown. Missing appliances would be replaced/installed before tenancy.",
"Electrical service and panel location were not shown; assume a standard panel exists but needs inspection. Observed missing cover(s) indicate at least localized electrical corrections required.",
"No obvious active roof leaks or major foundation movement in photos; assume no catastrophic structural issues unless an in-person inspection reveals otherwise.",
"Listing text states a fenced backyard; fence condition not photographed but assumed serviceable.",
"Rental history data is missing, so rental_history_activity was excluded from the overall weighted score per instructions."
],
"score_method": "mean_of_criteria",
"overall_score": 63.0,
"rubric_version": "2026-02-16_nsPIRE_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7971178043"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.