Property ID: 7988450700
407 Pollock Pl, Kenner, LA, 70062
Kenner, LA
Money Down: $38,160
CoC Return: 4.92%
Monthly Cash Flow: $157
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$31,800
Closing Costs
$6,360
Total Down
$38,160
Investment Snapshot
Purchase Price
$159,000
Money Down
$38,160
Cash-on-Cash Return
4.92%
Rent
$1,280
Monthly Cash Flow
$157
Annual Cash Flow
$1,879
Debt Service / Mo
$846
Property Tax / Mo
$102
Insurance / Mo
$47
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,280
Payment Standard
$1,552
Rent
$1,280
Insurance
$47
Property Tax
$102
Management
$128
Utilities Allowance
$272
NOI (Monthly)
$1,003
Debt Service
$846
Cash Flow After Debt
$157
Quality Score: 73.20%
Confidence: 91.00%
Overall this small single-family cottage appears cosmetically updated and structurally sound from available photos — roof, exterior, flooring, and bathroom updates look good and central HVAC appears present. The main inspection risks are compliance items that should be confirmed/addressed (smoke detectors, GFCI protection, and verification of electrical panel and water heater condition). Missing kitchen appliances will reduce immediate tenant readiness but are not an NSPIRE structural fail. Likely rentable after addressing code-required detectors and any GFCI/electrical items — estimated 1–4 weeks of work to pass an initial HCV inspection.
Section 8 Payment Standard
$1,552
Utility Allowance Total
$272
Guaranteed Section 8 Rent (PS - Utilities)
$1,280
Property Management
$128
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$159,000
Beds
2
Baths
1
Living Area
600 sqft
Lot Size
—
Year Built
1968
Days on Market
27
Capital Outlay
$38,160
Debt Service
$846
Property Tax / Mo
$102
Insurance / Mo
$47
Property Description
This charming cottage-style home is walking distance to the levee and offers 2 bedrooms and 1 full bath, blending warmth, character, and plenty of future potential. Freshly painted, and new carpet installed. The interior carries a cozy, inviting feel with a simple, functional layout. A one-car carport includes an attached structure that provides both storage space and a laundry room. The lot offers room to expand, garden, or customize the outdoor area to suit your needs. It's a unique little property with great possibilities for a buyer with vision. Sold As-Is, Where-Is.
Utility Allowances
heating
$61
Selected 'natural_gas' for a 2BR unit. The property information explicitly lists 'Heating Features: One, Gas'.
cooking
$10
Selected 'natural_gas' for a 2BR unit. The property provides a 'Range/Oven' and has 'Gas: Natural' service, making gas cooking the most logical choice.
water_heating
$44
Selected 'electric' for a 2BR unit. The water heater's fuel source was not specified. Per the rules, the more expensive option was chosen (Electric at $44 vs. Natural Gas at $21).
other_electric
$57
Selected for a 2BR unit. This is a standard allowance for lighting, outlets, and tenant-provided appliances, which are assumed as no refrigerator or microwave were listed as included.
water
$36
Selected for a 2BR unit. The property information specifies 'Water Source: Public'.
sewer
$39
Selected for a 2BR unit. The property information specifies 'Sewer: City'.
trash_collection
$25
Selected for a 2BR unit. Trash collection is a standard required utility for a single-family home.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$561
DP3 Annual Estimate$561
DP1 Monthly Equivalent$47
DP3 Monthly Equivalent$47
Replacement Value$98,600
Basis600 sqft / 1968
Nearby Houses
Photo unavailable
205 Coleman Pl
for_sale · 0.20 mi
Price: $200,000
3 bd / 1 ba · 1,244 sqft
Latest sale: — on Jun 16, 2025
Latest rent: —
Photo unavailable
522 Farrar Ave
off_market · 0.27 mi
Price: $2,000
4 bd / 2 ba · 2,000 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors in living/bedroom areas (NSPIRE/HCV fail if missing/ nonfunctional).
- GFCI protection in bathroom/kitchen outlets not verifiable from photos (potential safety/code issue).
Assumptions
- Central HVAC is present and operational based on visible ceiling vents; no separate heating unit was photographed.
- Electrical panel and water heater exist and are functional but were not photographed; assumed serviceable unless inspection reveals issues.
- Bedrooms' windows provide required egress dimensions or can be remedied quickly; photos suggest windows but exact size cannot be confirmed.
- Absence of visible smoke/CO detectors in photos indicates they are likely not present or not installed in inspected rooms; detectors can be installed rapidly.
- No interior mold, hidden water damage, or major pest infestation are present beyond what is visible in photos; if such conditions exist they would materially change the assessment.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,193 | $112,300 | $11,230 |
| 2024 | $1,197 | $112,300 | $11,230 |
| 2023 | $952 | $96,000 | $9,600 |
| 2022 | $935 | $96,000 | $9,600 |
| 2021 | $862 | $96,000 | $9,600 |
| 2020 | $854 | $96,000 | $9,600 |
| 2019 | $871 | $96,000 | $9,600 |
| 2018 | $615 | $74,300 | $7,430 |
| 2017 | $615 | $74,300 | $7,430 |
| 2016 | $615 | $74,300 | $7,430 |
| 2015 | $624 | $74,300 | $7,430 |
| 2014 | $622 | $74,300 | $7,430 |
| 2013 | $622 | $74,300 | $7,430 |
| 2011 | $17 | $77,000 | $7,700 |
| 2010 | $496 | $77,000 | $7,700 |
| 2009 | $635 | $77,000 | $7,700 |
| 2008 | $12 | — | $7,700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-13 | Listed | $159,000 |
Photo Gallery
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"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.0,
"rationale": "Roof shingles appear in good condition with no visible sag or active water staining. Ceiling supply vents and a central-return grille are visible, indicating a central HVAC system likely present. Bathroom and kitchen plumbing fixtures are installed and appear new/recently updated; toilet and tub/shower appear functional (toilet sealed with manufacturer tape). Water heater and electrical panel are not visible in photos, so their condition is assumed typical; no evidence of electrical hazards or plumbing leaks is visible. Because unseen systems (water heater, panel) could still require service, score is moderate-high rather than perfect."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior brick façade and roofline look sound; concrete driveway and walkway appear intact and level. Yard is maintained with no visible standing water, major vegetation intrusion, or debris. Carport and attached storage/laundry structure are present and appear serviceable. No signs of foundation settling or large cracks visible from the provided street-front photo."
}
],
"red_flags": [
"No visible smoke detectors in living/bedroom areas (NSPIRE/HCV fail if missing/ nonfunctional).",
"GFCI protection in bathroom/kitchen outlets not verifiable from photos (potential safety/code issue)."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational based on visible ceiling vents; no separate heating unit was photographed.",
"Electrical panel and water heater exist and are functional but were not photographed; assumed serviceable unless inspection reveals issues.",
"Bedrooms' windows provide required egress dimensions or can be remedied quickly; photos suggest windows but exact size cannot be confirmed.",
"Absence of visible smoke/CO detectors in photos indicates they are likely not present or not installed in inspected rooms; detectors can be installed rapidly.",
"No interior mold, hidden water damage, or major pest infestation are present beyond what is visible in photos; if such conditions exist they would materially change the assessment."
],
"overall_score": 76.0,
"rubric_version": "ns_pire_assess_v1-2026-03"
},
{
"summary": "This small single-family cottage appears largely cosmetically updated and structurally sound from the provided photos — fresh paint, new carpet, updated bathroom, intact roof and yard, and visible HVAC vents. Primary risks for an initial Section 8/NSPIRE inspection are likely missing or unverified smoke/CO alarms, potential lack of GFCI protection in wet areas, and possible non‑compliant bedroom egress windows. Missing kitchen appliances (stove/fridge not shown) and lack of visible mechanical equipment (electrical panel, water heater) are moderate issues that are generally fixable prior to lease-up. Overall this property is close to turnkey with some focused safety verifications and minor repairs likely required to pass inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior photos show fresh paint, new carpet in main living areas, replaced bathroom tub/surround and vanity, and intact cabinetry — overall cosmetically updated. Minor finish issues noted at entry floor transition and small scuffs on fixtures. No visible major water stains, peeling paint, or collapsed surfaces. No stove or refrigerator are shown in photos; missing appliances reduce readiness moderately but are repair/capital items rather than life-safety failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No visible smoke/CO alarms in provided interior photos (required by NSPIRE). Bathroom and kitchen outlets do not show obvious GFCI devices; bathroom outlet visible but not shown as GFCI — potential code issue. Bedrooms have windows present but they appear small (possible jalousie/slider style) and may not meet egress size requirements for sleeping rooms — moderate egress risk. Entry door hardware appears to have a knob and possibly a deadbolt (uncertain). No exposed wiring, loose handrails, active water intrusion, or visible mold were photographed. Because detectors/GFCI/egress cannot be confirmed and are common inspection fails, safety score is lowered to reflect likely corrective work."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC/plumbing/electrical/roof)",
"score": 70.0,
"rationale": "Exterior roof appears recently shingled and in good visual condition. Ceiling HVAC return/vents are visible in photos, indicating a central HVAC system likely present (not directly shown operating). Bathroom fixtures, tub, and toilet look newly installed; kitchen sink and cabinets intact. Electrical outlets and switches are present and covered. No electrical panel, water heater, or furnace/air handler photographs to confirm age/condition. Based on visible finishes, major systems are likely functional but some verification (panel, water heater, HVAC operation) is needed."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 85.0,
"rationale": "Brick front, tidy lawn, concrete driveway and walkway in good condition, and an intact carport with attached storage/laundry area. No visible foundation settling, major cracking, standing water, or fascia/soffit failure in the provided exterior photo. Neighboring homes and lot grade look typical for the neighborhood. Yard and access appear safe and serviceable."
}
],
"red_flags": [
"No visible smoke/CO detectors in photos — likely inspection fail if not installed/placed correctly.",
"Potential non-compliant bedroom egress (windows appear small/older style) — may fail egress requirement.",
"No visible GFCI protection in bathroom/kitchen outlets — could be a code/inspection failure.",
"No stove or refrigerator shown in listing photos (appliances may be missing) — reduces tenant readiness until provided."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and ducted (ceiling vents visible); system is operable though not directly shown working.",
"Water heater and electrical panel exist but were not photographed; assume serviceable unless inspection finds otherwise.",
"No visible active roof leaks or structural sagging; roof appears recently shingled from front elevation photo.",
"No stove or refrigerator are in the unit (not pictured); appliances would be owner-supplied and are considered capital items to install.",
"Smoke and CO alarms are not visible in photos; assume they may be missing or not properly located and will need verification/installation.",
"Bathroom and kitchen outlets likely lack visible GFCI devices; assume GFCI protection may be required or needs updating.",
"Bedroom windows are older/smaller style and may not meet egress dimensions—this is inferred from visual scale of frames and sash type."
],
"overall_score": 72.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Overall the property appears cosmetically updated and largely serviceable for rental with minor repairs and verification steps. The most likely Section 8 inspection failures would be missing/incorrectly located smoke/carbon monoxide detectors, uncertain bedroom egress (some windows appear to be jalousie/louver style), and unconfirmed GFCI protection. Major structural issues or active leaks are not apparent in photos. Expect to be rent-ready within a few weeks after installing detectors, confirming/repairing egress where required, verifying HVAC/water heater operation, and installing required GFCI outlets or appliance hookups.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 78.0,
"rationale": "Interior photos show fresh paint, new carpet in primary living spaces and bedrooms, renovated bathtub surround and a sealed toilet — overall cosmetically updated. Kitchen cabinets and counters are older but serviceable. No obvious water stains, major drywall damage, or collapsed surfaces. Missing major appliances (stove/fridge not visible) and a small tile patch by entry reduce score moderately. Sold-as-is status noted."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (required). Entry door appears to have a deadbolt. No exposed wiring or obvious electrical hazards visible. GFCI protection at kitchen and bathroom outlets is not clearly visible. Bedroom windows include small horizontal/louvered panes in places (possible jalousie) which may not meet egress size requirements — egress not confirmed. Bathroom and kitchen plumbing fixtures appear intact; no visible active leaks or mold. Lack of visible detectors and potential egress issues are primary inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC, electrical, plumbing, roof, water heater",
"score": 68.0,
"rationale": "Roof shingles appear in good visual condition from the front photo. Ceiling supply/return vents and ceiling fans indicate central HVAC ducting presence, but the outdoor unit and water heater are not shown so operability is unverified. Electrical panel not visible. Plumbing fixtures and tub/shower look recently updated and functional. Because systems are present but not fully documented, score reflects reasonable condition with some unknowns that require confirmation/functional testing."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site & safety",
"score": 82.0,
"rationale": "Brick front, level yard, intact concrete driveway and carport, and a clear walkway are visible. Lot appears well-kept with no standing water, major foundation settlement, or collapsed site features evident. Carport-attached laundry/storage structure present. No visible infestation or severe exterior deterioration in provided photos."
}
],
"red_flags": [
"No visible smoke detectors / CO alarms in photos — likely automatic NSPIRE fail unless present and functional.",
"Possible non-compliant bedroom egress (louver/jalousie-style or small windows) — may fail emergency egress requirement.",
"No visible GFCI protection at kitchen/bath outlets in photos — potential electrical safety issue.",
"Major systems (HVAC, water heater, electrical panel) not shown — operability must be confirmed prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists because ceiling vents are visible; however the outdoor condensing unit and operational status were not photographed.",
"Water heater and electrical panel exist but were not shown; their condition is unknown.",
"No smoke detectors or CO alarms are present since none are visible in interior photos; they may be present but out of frame.",
"Stove and refrigerator are not present in photos and should be treated as missing appliances unless landlord provides them.",
"Bedroom windows that appear to be louver/jalousie may not meet NSPIRE egress dimensions — exact measurements are not available from photos.",
"No active roof leaks or major foundation movement inferred from lack of visible staining, sagging, or exterior displacement in photos."
],
"overall_score": 72.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "407 Pollock Pl, Kenner, LA, 70062",
"aggregate": {
"summary": "Overall this small single-family cottage appears cosmetically updated and structurally sound from available photos — roof, exterior, flooring, and bathroom updates look good and central HVAC appears present. The main inspection risks are compliance items that should be confirmed/addressed (smoke detectors, GFCI protection, and verification of electrical panel and water heater condition). Missing kitchen appliances will reduce immediate tenant readiness but are not an NSPIRE structural fail. Likely rentable after addressing code-required detectors and any GFCI/electrical items — estimated 1–4 weeks of work to pass an initial HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 79.3,
"rationale": "Interior photos show fresh paint, new carpet in main living spaces, replaced bathroom tub surround, intact cabinetry and tile floors — overall cosmetically updated. Minor observable issues: carpet/tile transition at the entry looks unfinished, small scuffs on vanity and cabinets, and the kitchen appears to be missing major appliances (stove/refrigerator not shown). Missing appliances reduce readiness moderately but are not a structural failure. No visible damaged drywall, collapsed ceilings, or exposed subfloor."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 84.0,
"rationale": "Exterior brick façade and roofline look sound; concrete driveway and walkway appear intact and level. Yard is maintained with no visible standing water, major vegetation intrusion, or debris. Carport and attached storage/laundry structure are present and appear serviceable. No signs of foundation settling or large cracks visible from the provided street-front photo."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No smoke detectors are visible in the interior photos (living room/bedrooms/bath), which is typically an automatic NSPIRE fail if not present/operational. Carbon monoxide detector not visible (may be required depending on local code). Bathroom and kitchen outlets are present but GFCI protection cannot be visually confirmed — bathroom outlet is visible but not clearly GFCI-type. Windows appear present in bedrooms and likely provide egress but two of the bedroom windows look smaller; egress dimensions cannot be fully confirmed from photos. Entry door hardware shows a knob and possibly a deadbolt but is not clearly identifiable in photos. No exposed wiring, no visible active leaks, no loose/absent handrails, and no obvious mold or peeling lead-risk paint observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 71.0,
"rationale": "Roof shingles appear in good condition with no visible sag or active water staining. Ceiling supply vents and a central-return grille are visible, indicating a central HVAC system likely present. Bathroom and kitchen plumbing fixtures are installed and appear new/recently updated; toilet and tub/shower appear functional (toilet sealed with manufacturer tape). Water heater and electrical panel are not visible in photos, so their condition is assumed typical; no evidence of electrical hazards or plumbing leaks is visible. Because unseen systems (water heater, panel) could still require service, score is moderate-high rather than perfect."
}
],
"red_flags": [
"No visible smoke detectors in living/bedroom areas (NSPIRE/HCV fail if missing/ nonfunctional).",
"GFCI protection in bathroom/kitchen outlets not verifiable from photos (potential safety/code issue)."
],
"confidence": 0.91,
"assumptions": [
"Central HVAC is present and operational based on visible ceiling vents; no separate heating unit was photographed.",
"Electrical panel and water heater exist and are functional but were not photographed; assumed serviceable unless inspection reveals issues.",
"Bedrooms' windows provide required egress dimensions or can be remedied quickly; photos suggest windows but exact size cannot be confirmed.",
"Absence of visible smoke/CO detectors in photos indicates they are likely not present or not installed in inspected rooms; detectors can be installed rapidly.",
"No interior mold, hidden water damage, or major pest infestation are present beyond what is visible in photos; if such conditions exist they would materially change the assessment."
],
"score_method": "mean_of_criteria",
"overall_score": 73.2,
"rubric_version": "ns_pire_assess_v1-2026-03",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7988450700"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.