Property ID: 8003109881
921 SW 25th St, Birmingham, AL, 35211
Birmingham, AL
Money Down: $26,376
CoC Return: 11.75%
Monthly Cash Flow: $258
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,980
Closing Costs
$4,396
Total Down
$26,376
Investment Snapshot
Purchase Price
$109,900
Money Down
$26,376
Cash-on-Cash Return
11.75%
Rent
$1,061
Monthly Cash Flow
$258
Annual Cash Flow
$3,098
Debt Service / Mo
$585
Property Tax / Mo
$65
Insurance / Mo
$46
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,061
Payment Standard
$1,584
Rent
$1,061
Insurance
$46
Property Tax
$65
Management
$106
Utilities Allowance
$523
NOI (Monthly)
$843
Debt Service
$585
Cash Flow After Debt
$258
Quality Score: 78.70%
Confidence: 94.00%
Overall this is a largely renovated, move-in-ready 3BR/1.5BA home with a recently repaired roof, newer windows, updated kitchen and bathrooms, working HVAC (seller-reported), and a 2015 water heater. Visible conditions are good with only minor cosmetic repairs and landscaping needed. Unknowns that could affect an initial Section 8/NSPIRE inspection include confirmation of smoke/carbon-monoxide alarm placement, GFCI protection at kitchen/bath outlets, presence of a deadbolt on the entry, and verification of the electrical service/panel. With routine verification and likely small fixes (install/verify detectors, GFCI as required, confirm or install stove/refrigerator if needed), the property is likely to pass an initial Housing Choice Voucher inspection; estimated time-to-rent readiness is under 30 days for typical items.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,061
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,900
Beds
3
Baths
1.5
Living Area
943 sqft
Lot Size
6,970 sqft
Year Built
1947
Days on Market
122
Capital Outlay
$26,376
Debt Service
$585
Property Tax / Mo
$65
Insurance / Mo
$46
Property Description
Beautifully renovated 3-bedroom, 1.5-bath home located just half a mile from West End Academy and 2 miles from Birmingham's CrossPlex! This move-in ready property features an updated kitchen with granite countertops, modern cabinetry, and refreshed bathrooms. Recent upgrades include new windows for added comfort and efficiency. The HVAC is in good working condition (age unknown), and the roof has received recent repairs. Water heater is 2015. Perfect for a first-time homebuyer or an investor looking to add a quality property to their portfolio. Recently appraised at $142,000-appraisal available for review upon request! Schedule your showing today! SELLER IS HIGHLY MOTIVATED
Utility Allowances
Heating
$93
Property details specify electric heating. 'Alabama Power' is chosen as the most likely provider for Birmingham, being the most common and expensive option available in the schedule.
Cooling
$22
Property details specify electric cooling. 'Alabama Power' is chosen for consistency with other electric utilities.
Water Heating
$56
Property details explicitly state an 'Electric Water Heater'. 'Alabama Power' is chosen as the provider for consistency.
Cooking
$21
Assumed to be electric, consistent with the property's other all-electric systems (heating, cooling, water heater). 'Alabama Power' is selected as the provider.
Other Electric
$68
This covers standard electrical use for lights and other appliances. 'Alabama Power' is selected as the assumed provider.
Water
$78
Property details state 'Public Water'. 'Water: Birmingham' is selected from the schedule as the property is located in Birmingham.
Sewer
$151
Property details state 'Sewer: Connected'. The allowance is based on the schedule's fixed rate for a 3-bedroom unit.
Trash Collection
$20
Trash collection is a standard utility for single-family homes. 'Jefferson City' is selected as the most appropriate general option for a Birmingham address within Jefferson County.
Refrigerator
$8
The property information does not state that a refrigerator is provided. Therefore, it is assumed to be tenant-owned and an allowance is applied.
Range/Microwave
$6
The property information does not state that a microwave is provided. Therefore, it is assumed to be tenant-owned and an allowance is applied.
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$430
DP3 Annual Estimate$685
DP1 Monthly Equivalent$36
DP3 Monthly Equivalent$57
Replacement Value$37,300
Basis943 sqft / 1947
Nearby Houses
Photo unavailable
920 25th St SW
sold · 0.03 mi
Price: $25,000
3 bd / 1 ba · 965 sqft
Latest sale: $25,000 on May 24, 2022
Latest rent: $750 on Mar 10, 2017
Photo unavailable
928 25th St SW
for_sale · 0.04 mi
Price: $104,000
3 bd / 1 ba · 1,036 sqft
Latest sale: $4,226 on Feb 19, 2020
Latest rent: $850 on Nov 08, 2022
Photo unavailable
904 24th St SW
sold · 0.05 mi
Price: $33,000
2 bd / 1 ba · 783 sqft
Latest sale: $33,000 on Oct 24, 2024
Latest rent: —
Photo unavailable
905 24th St SW
sold · 0.07 mi
Price: $120,000
3 bd / 1 ba · 1,178 sqft
Latest sale: $120,000 on Oct 10, 2025
Latest rent: —
Photo unavailable
900 SW 25th St
sold · 0.07 mi
Price: $120,000
3 bd / 1 ba · 1,099 sqft
Latest sale: $120,000 on Sep 23, 2024
Latest rent: —
Photo unavailable
1000 25th St SW
sold · 0.07 mi
Price: $72,000
2 bd / 1 ba · 822 sqft
Latest sale: $72,000 on Nov 17, 2023
Latest rent: —
Photo unavailable
2341 Beulah Ave SW
off_market · 0.08 mi
Price: $82,500
3 bd / 3 ba · 1,564 sqft
Latest sale: $82,500 on Nov 21, 2025
Latest rent: —
Photo unavailable
817 24th St SW
sold · 0.10 mi
Price: $79,900
3 bd / 2 ba · 1,198 sqft
Latest sale: $79,900 on Apr 28, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that HVAC is 'in good working condition' is accurate; HVAC appears present but age not provided.
- Roof repairs referenced in the listing were adequate and there are no active leaks (no interior stains or sagging ceilings observed).
- Water heater is functioning (installed 2015) and was the unit seen in the kitchen-adjacent closet photo.
- At least one smoke detector is present (a round ceiling device is visible in photos), but additional detectors and CO alarm placement are not verified and may require installation to meet NSPIRE spacing rules.
- No visible electrical hazards, but the main electrical panel and meter were not photographed and their condition/labeling are unconfirmed.
- Range/stove and refrigerator are not shown in photos and may not be provided; absence reduces readiness score moderately but is not a safety fail by itself.
- No significant concealed mold, pest infestation, or foundation movement is present; exterior and interior show no signs of these severe issues in the photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $761 | $52,500 | $10,500 |
| 2023 | $761 | $52,500 | $10,500 |
| 2022 | $901 | $62,200 | $12,440 |
| 2021 | $901 | $62,200 | $12,440 |
| 2020 | $901 | $62,200 | $12,440 |
| 2019 | $901 | $62,200 | $12,440 |
| 2018 | $793 | $54,700 | $10,940 |
| 2017 | $719 | $49,600 | $9,920 |
| 2016 | $787 | $54,300 | $10,860 |
| 2015 | $787 | $54,300 | $10,860 |
| 2013 | $514 | $34,300 | $6,860 |
| 2012 | $514 | $35,940 | $7,188 |
| 2011 | $555 | $38,900 | $7,780 |
| 2010 | $555 | $38,900 | $7,780 |
| 2009 | $555 | $38,900 | $7,780 |
| 2008 | $564 | $39,500 | $7,900 |
| 2007 | $527 | $36,900 | $7,380 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-17 | Sold | $57,500 |
| 2025-07-18 | Sold | $62,000 |
| 1998-06-04 | Sold | $19,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-10-11 | Listed for rent | $1,275 | — |
Photo Gallery
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},
"section8_assessment": {
"runs": [
{
"summary": "Overall this is a largely renovated, move-in-ready 3BR/1.5BA home with a recently repaired roof, newer windows, updated kitchen and bathrooms, working HVAC (seller-reported), and a 2015 water heater. Visible conditions are good with only minor cosmetic repairs and landscaping needed. Unknowns that could affect an initial Section 8/NSPIRE inspection include confirmation of smoke/carbon-monoxide alarm placement, GFCI protection at kitchen/bath outlets, presence of a deadbolt on the entry, and verification of the electrical service/panel. With routine verification and likely small fixes (install/verify detectors, GFCI as required, confirm or install stove/refrigerator if needed), the property is likely to pass an initial Housing Choice Voucher inspection; estimated time-to-rent readiness is under 30 days for typical items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: new/painted walls, refinished hardwood floors, new-looking bathroom tile and fixtures, updated kitchen cabinets and countertops. Exterior siding and painted brick foundation look refreshed and the screened front porch is intact. Minor cosmetic issues visible: paint touch-ups on painted brick, a few small cracks/paint chips at porch base, sparse landscaping and dirt driveway. No severe deferred maintenance observed. Appliances: range hood present but no stove or refrigerator visible in photos — missing appliances reduce score moderately but are not a structural issue."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "No obvious life-threatening hazards visible. Bedrooms have egress windows and interior photos show at least one ceiling smoke/CO-style device near the hallway (photo near kitchen/hall shows a round ceiling device). No exposed wiring, visible water intrusion, collapsed ceilings, or major foundation cracks. Handrails/guards appear adequate for the screened porch (low knee-wall + rail). Unknowns that affect score: presence and placement of required smoke detectors in every sleeping level/room, GFCI protection at kitchen/bath outlets, presence of a carbon-monoxide alarm if fuel-burning appliances are present, and whether the entry door has a deadbolt. These unknowns lower the safety score slightly."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 75.0,
"rationale": "Listing states HVAC 'in good working condition' (age unknown) and photos show ceiling registers/ceiling fans. Listing notes 'roof has received recent repairs' and the roof appears even with no visible sag or discoloration. Water heater is present (photo) and listed as 2015. Kitchen and bathroom fixtures appear installed and functional. Electrical panel, main service, and exterior HVAC condenser are not pictured; GFCI outlets are not clearly identifiable. Because several critical system components' ages/condition are not verifiable from photos, a moderate systems risk remains."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior siding and painted brick foundation appear solid and well maintained; crawlspace vents visible. Yard is level but shows dry/patchy grass and minimal landscaping; driveway is dirt/gravel which is functionally okay but not improved. No visible standing water, major grading issues, or infestation evidence in images. Some overgrown vegetation along property edges noted. Overall the envelope looks intact and no visible structural movement or major roof problems are apparent."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (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": 0.75,
"assumptions": [
"Listing statement that HVAC is 'in good working condition' is accurate; HVAC appears present but age not provided.",
"Roof repairs referenced in the listing were adequate and there are no active leaks (no interior stains or sagging ceilings observed).",
"Water heater is functioning (installed 2015) and was the unit seen in the kitchen-adjacent closet photo.",
"At least one smoke detector is present (a round ceiling device is visible in photos), but additional detectors and CO alarm placement are not verified and may require installation to meet NSPIRE spacing rules.",
"No visible electrical hazards, but the main electrical panel and meter were not photographed and their condition/labeling are unconfirmed.",
"Range/stove and refrigerator are not shown in photos and may not be provided; absence reduces readiness score moderately but is not a safety fail by itself.",
"No significant concealed mold, pest infestation, or foundation movement is present; exterior and interior show no signs of these severe issues in the photos."
],
"overall_score": 80.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Well-renovated small single-family home with recent cosmetic and system updates. Photos and listing indicate a recently repaired roof, new windows, updated kitchen and bathroom, and a functioning HVAC and 2015 water heater. No visible life‑threatening hazards (no sagging ceilings, major mold, active leaks, or exposed wiring). Missing full-size kitchen appliances and a few unphotographed safety items (GFCI outlets, CO alarm, electrical panel inspection) are the primary uncertainties. Likely to pass an initial HCV/NSPIRE inspection after confirming/adding required detectors and GFCI protection and providing or installing a stove/refrigerator for tenant move‑in. Estimated time to be rent-ready: within 1–3 weeks for low-cost electrical/CO/GFCI changes and appliance provisioning.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Photos and description show a recent cosmetic renovation: new/painted interior surfaces, new-looking hardwood floors, refreshed kitchen cabinets and countertops, tiled bath surround and updated fixtures. Exterior painted brick and siding look in good cosmetic condition. Missing full-size appliances (no stove or refrigerator visible) and a few minor finish items (trim touch-ups at threshold areas, small cracked mortar/paint at porch base) reduce the score moderately but are capital-easy fixes rather than structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 72.0,
"rationale": "No evidence of active leaks, collapsed ceilings, severe mold, or exposed wiring in photos. Bedrooms show egress windows. At least one ceiling smoke detector is visible in interior photos. Entry doors appear solid and lockable. Unseen items that matter for NSPIRE (electrical panel condition, presence of GFCI outlets at kitchen/bath, CO alarm) were not photographed — I assume the electrical panel is intact but GFCI protection and a CO alarm may be missing. Bathroom window in tub/shower area is visible and appears intact; ventilation not shown. These unknowns lower the safety rating slightly despite no visible life-threatening hazards."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 78.0,
"rationale": "Listing states HVAC in good working condition (age unknown) and roof recently repaired; the water heater is dated 2015 (documented). No visible roof sagging, active roof leaks, or major plumbing leaks in photos. The water heater is visible through the doorway and appears installed. Because system ages are partly unknown (HVAC age, full roof history) some risk remains but the listing + photos indicate functioning systems and recent repairs."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Exterior siding, painted brick foundation and windows appear in good condition; yard is clear of debris and walkways are present. Foundation vents visible and no standing water or large drainage issues visible. Porch and screened area look sound though there is no heavy-duty guardrail (porch appears low). Vegetation close to the house on one side may require trimming. Overall the exterior appears maintained and safe for tenants."
},
{
"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": [
"Listing statement that HVAC is in good working condition is accurate; HVAC functions at time of inspection though age is unknown.",
"Roof repairs referenced in listing were completed properly and there are no active leaks (no staining or ceiling damage visible in photos).",
"An operational smoke detector is present (one round ceiling device is visible) but additional detectors/locations meet NSPIRE requirements or will be installed if needed.",
"No exposed wiring or unsafe electrical connections exist behind walls; the electrical panel was not photographed but is assumed intact.",
"GFCI protection at kitchen and bathroom outlets is not visible in photos and may be missing; assume likely need to verify and possibly install GFCIs.",
"Carbon monoxide alarm is not visible in photos; assume none shown — required if fuel-burning appliances present (stove/water heater) and should be installed if missing.",
"Full-size stove and refrigerator are not present in listing photos; assume at least the stove space and hood are prepared but appliances may need to be provided.",
"Crawlspace/basement and roof structure were not inspected in photos — no visible signs of foundation movement or structural sagging from exterior images."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This property appears largely turnkey for Section 8 consideration. Recent interior and exterior renovations, new windows, updated kitchen and bathroom, and a serviceable HVAC and water heater indicate the unit would likely pass an initial NSPIRE/HCV inspection after documentation and a short punch list are addressed. Primary remaining verifications needed onsite are: presence/operation of smoke and CO alarms in required locations, GFCI protection in kitchen/bath, a functioning stove/refrigerator (or landlord provision), deadbolt on entry door, and visual confirmation of the electrical panel and heating system condition. No major structural or life-safety failures are visible in the photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Photos and listing show a recent cosmetic renovation: fresh paint throughout, new-looking kitchen cabinets and countertops, tile floor in kitchen, refinished hardwoods, updated bathroom tile, and new windows. Screened porch and exterior brick painted and in generally good condition. Missing/uncertain items: no range or refrigerator visible in photos (range hood present but open space for stove), some minor paint touch-ups on porch brick and trim needed. Overall workmanship appears recent and tidy; missing appliances reduce score moderately but are not structural."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 78.0,
"rationale": "Visible smoke detector in hallway near kitchen (photo), multiple bedrooms have operable windows that appear to meet egress (double windows), no visible exposed wiring, ceiling and walls appear intact, and bathroom fixtures are finished. Entry door hardware not visible in photos so deadbolt presence is unknown. GFCI outlets at kitchen sink are not clearly visible in photos, and carbon monoxide detector presence is not shown (dependant on fuel type of appliances). No signs of active leaks, mold, or collapsed ceilings. Some minor safety items (GFCI, CO alarm, verification of deadbolt) likely required but fixable."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 80.0,
"rationale": "Listing states HVAC is in good working condition and photos show floor registers and a thermostat; water heater visible in utility alcove and listed as 2015 (serviceable but mid-age). Roof has had recent repairs per listing and exterior shows no visible sagging or active leaks. Electrical panel not shown; no obvious electrical hazards in photos. Plumbing fixtures and bath appear recently replaced. Overall systems appear intact and functioning but some items (age of HVAC, electrical panel condition) require on-site verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding, painted brick foundation and screened front porch look well-maintained. Yard is level and clear of standing water in photos, but vegetation is somewhat overgrown around the sides and front yard is sparse/dry (cosmetic). Walkway/driveway visible and appears serviceable. Porch entry has a small step; a handrail is not visible (may be required if steps exceed local code heights). No visible foundation cracking or major exterior structural issues in photos."
},
{
"key": "rental_history_activity",
"label": "Rental history (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": 0.78,
"assumptions": [
"HVAC is operational as stated in listing; age not provided but vents and thermostat are present.",
"Water heater (listed 2015) is operational and properly vented; photos show water heater in a utility alcove.",
"No stove or refrigerator are visible in photos; assume appliances are not present and would need to be provided or installed prior to tenancy.",
"Smoke detector visible in hallway is functional; additional detectors (bedrooms, levels) may be present but not shown — tenant-level compliance verification required.",
"Carbon monoxide alarm presence is unknown and assumed required only if fuel-burning appliances are present; listing does not specify fuel type of stove or HVAC.",
"Electrical panel is not visible in photos; assume it is present and intact but requires on-site verification for labeling, interruptions, or double-tapped breakers.",
"GFCI protection at kitchen and bathroom receptacles is not clearly visible in photos and should be verified/installed if missing.",
"Exterior steps/porch may require a handrail depending on local code and step height; photos do not clearly show a handrail.",
"No visible signs of major mold, active leaks, foundation movement, roof collapse, or electrical hazards in the provided images; hidden issues could exist but none are evident."
],
"overall_score": 79.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "921 SW 25th St, Birmingham, AL, 35211",
"aggregate": {
"summary": "Overall this is a largely renovated, move-in-ready 3BR/1.5BA home with a recently repaired roof, newer windows, updated kitchen and bathrooms, working HVAC (seller-reported), and a 2015 water heater. Visible conditions are good with only minor cosmetic repairs and landscaping needed. Unknowns that could affect an initial Section 8/NSPIRE inspection include confirmation of smoke/carbon-monoxide alarm placement, GFCI protection at kitchen/bath outlets, presence of a deadbolt on the entry, and verification of the electrical service/panel. With routine verification and likely small fixes (install/verify detectors, GFCI as required, confirm or install stove/refrigerator if needed), the property is likely to pass an initial Housing Choice Voucher inspection; estimated time-to-rent readiness is under 30 days for typical items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 81.7,
"rationale": "Interior appears recently renovated: new/painted walls, refinished hardwood floors, new-looking bathroom tile and fixtures, updated kitchen cabinets and countertops. Exterior siding and painted brick foundation look refreshed and the screened front porch is intact. Minor cosmetic issues visible: paint touch-ups on painted brick, a few small cracks/paint chips at porch base, sparse landscaping and dirt driveway. No severe deferred maintenance observed. Appliances: range hood present but no stove or refrigerator visible in photos — missing appliances reduce score moderately but are not a structural issue."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 78.3,
"rationale": "Exterior siding and painted brick foundation appear solid and well maintained; crawlspace vents visible. Yard is level but shows dry/patchy grass and minimal landscaping; driveway is dirt/gravel which is functionally okay but not improved. No visible standing water, major grading issues, or infestation evidence in images. Some overgrown vegetation along property edges noted. Overall the envelope looks intact and no visible structural movement or major roof problems are apparent."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 76.0,
"rationale": "No obvious life-threatening hazards visible. Bedrooms have egress windows and interior photos show at least one ceiling smoke/CO-style device near the hallway (photo near kitchen/hall shows a round ceiling device). No exposed wiring, visible water intrusion, collapsed ceilings, or major foundation cracks. Handrails/guards appear adequate for the screened porch (low knee-wall + rail). Unknowns that affect score: presence and placement of required smoke detectors in every sleeping level/room, GFCI protection at kitchen/bath outlets, presence of a carbon-monoxide alarm if fuel-burning appliances are present, and whether the entry door has a deadbolt. These unknowns lower the safety score slightly."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 77.7,
"rationale": "Listing states HVAC 'in good working condition' (age unknown) and photos show ceiling registers/ceiling fans. Listing notes 'roof has received recent repairs' and the roof appears even with no visible sag or discoloration. Water heater is present (photo) and listed as 2015. Kitchen and bathroom fixtures appear installed and functional. Electrical panel, main service, and exterior HVAC condenser are not pictured; GFCI outlets are not clearly identifiable. Because several critical system components' ages/condition are not verifiable from photos, a moderate systems risk remains."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Listing statement that HVAC is 'in good working condition' is accurate; HVAC appears present but age not provided.",
"Roof repairs referenced in the listing were adequate and there are no active leaks (no interior stains or sagging ceilings observed).",
"Water heater is functioning (installed 2015) and was the unit seen in the kitchen-adjacent closet photo.",
"At least one smoke detector is present (a round ceiling device is visible in photos), but additional detectors and CO alarm placement are not verified and may require installation to meet NSPIRE spacing rules.",
"No visible electrical hazards, but the main electrical panel and meter were not photographed and their condition/labeling are unconfirmed.",
"Range/stove and refrigerator are not shown in photos and may not be provided; absence reduces readiness score moderately but is not a safety fail by itself.",
"No significant concealed mold, pest infestation, or foundation movement is present; exterior and interior show no signs of these severe issues in the photos."
],
"score_method": "mean_of_criteria",
"overall_score": 78.7,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8003109881"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.