Property ID: 8013454221
4152 W Loyola Dr, Kenner, LA, 70065
Kenner, LA
Money Down: $48,000
CoC Return: 6.14%
Monthly Cash Flow: $246
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$40,000
Closing Costs
$8,000
Total Down
$48,000
Investment Snapshot
Purchase Price
$200,000
Money Down
$48,000
Cash-on-Cash Return
6.14%
Rent
$1,696
Monthly Cash Flow
$246
Annual Cash Flow
$2,947
Debt Service / Mo
$1,064
Property Tax / Mo
$134
Insurance / Mo
$82
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$82
Property Tax
$134
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,310
Debt Service
$1,064
Cash Flow After Debt
$246
Quality Score: 81.00%
Confidence: 93.00%
Property appears well-maintained and largely turnkey for a Housing Choice Voucher inspection. Recent roof, fresh paint, updated baths, intact floors, visible HVAC registers, and a secure entry are all positives. Primary inspection risks from photos are absence/visibility of smoke/CO detectors and inability to verify GFCI protection and the electrical panel, water heater and HVAC operation. These are typically quick corrections or verifications; property likely passes initial inspection after adding/verifying detectors and confirming GFCI/proper panel labeling.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$200,000
Beds
3
Baths
1.5
Living Area
1,053 sqft
Lot Size
7,279 sqft
Year Built
1972
Days on Market
34
Capital Outlay
$48,000
Debt Service
$1,064
Property Tax / Mo
$134
Insurance / Mo
$82
Property Description
First time buyers, downsizers, and investors, this adorable and well-kept home is ready for you! This 3 bedroom home on an OVERSIZED LOT has over 1,000 square feet of living space, a front porch, plenty of off street parking, plus an attached garage, AND a HUGE YARD! Pride of ownership shows throughout the home with fresh paint and updated bathrooms. Have peace of mind with a newer (2022) roof as well! Schedule your showing and come see this one today!
Utility Allowances
Heating (Natural Gas)
$70
Property has central heating and is specified to use natural gas.
Other Electric
$67
Standard allowance for general electricity usage (lights, outlets, etc.) in a home of this size.
Water
$43
Property is connected to the public water supply.
Sewer
$46
Property is connected to the city sewer system.
Trash Collection
$25
Standard municipal service for a single-family detached home.
Water Heating (Natural Gas)
$24
Inferred based on the availability of natural gas, which is the most common and economical fuel for water heaters.
Cooking (Natural Gas)
$12
Property is specified to use natural gas and includes a Range/Oven.
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$985
DP3 Annual Estimate$985
DP1 Monthly Equivalent$82
DP3 Monthly Equivalent$82
Replacement Value$128,600
Basis1,053 sqft / 1972
Nearby Houses
Photo unavailable
4153 W Loyola Dr
off_market · 0.04 mi
Price: $239,500
3 bd / 2 ba · 1,241 sqft
Latest sale: —
Latest rent: —
Photo unavailable
212 Bayou Gentilly Ln
sold · 0.10 mi
Price: $649,000
4 bd / 5 ba · 3,015 sqft
Latest sale: —
Latest rent: —
Photo unavailable
216 Bayou Gentilly Ln
for_sale · 0.12 mi
Price: $550,000
4 bd / 3 ba · 2,838 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4057 Turtle Bayou Dr
for_sale · 0.14 mi
Price: $729,000
4 bd / 3 ba · 2,929 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4104 Tulane Dr
off_market · 0.17 mi
Price: $370,000
3 bd / 3 ba · 1,700 sqft
Latest sale: —
Latest rent: —
Photo unavailable
224 Legrande Bayou Ln
for_sale · 0.18 mi
Price: $580,000
5 bd / 4 ba · 3,838 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC is present and operational (visible ceiling vents/registers) though the system was not photographed in full.
- Hot water heater is present and functional though not pictured.
- Electrical panel exists and is intact but was not photographed; no exposed wiring observed in living spaces.
- A stove/range is present or will be provided (refrigerator and dishwasher visible in kitchen photo; stove not pictured).
- Smoke detectors and carbon monoxide alarms are either not installed or not visible in listing photos and would need verification/installation prior to inspection.
- GFCI protection in kitchen and bath outlets could not be confirmed from photos and should be verified.
- No recent rental events in last 5 years (rental history missing) so rental_history_activity criterion is excluded from scoring.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,564 | $147,200 | $14,720 |
| 2024 | $1,569 | $147,200 | $14,720 |
| 2023 | $1,460 | $147,200 | $14,720 |
| 2022 | $1,434 | $147,200 | $14,720 |
| 2021 | $938 | $104,500 | $10,450 |
| 2020 | $930 | $104,500 | $10,450 |
| 2019 | $949 | $104,500 | $10,450 |
| 2018 | $865 | $104,500 | $10,450 |
| 2017 | $865 | $104,500 | $10,450 |
| 2016 | $620 | $75,000 | $7,500 |
| 2015 | $630 | $75,000 | $7,500 |
| 2014 | $628 | $75,000 | $7,500 |
| 2013 | $628 | $75,000 | $7,500 |
| 2010 | $483 | $75,000 | $7,500 |
| 2009 | $619 | $75,000 | $7,500 |
| 2008 | $634 | — | $10,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-06 | Listed | $200,000 |
| 2016-11-07 | Sold | $0 |
| 2016-11-07 | Listing removed | $120,000 |
| 2016-09-13 | Listed | $120,000 |
| 1998-06-01 | Sold | $0 |
Photo Gallery
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"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Brick exterior appears sound, gutters/downspouts present, concrete driveway and front porch in good condition, yard appears large and free of obvious safety hazards. Foundation and siding show no visible major cracks or movement in photos. Minor observations: one downspout appears wrapped which may be cosmetic; drainage slopes not fully verifiable from photos but no standing water observed."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Roof replacement in 2022 as stated in listing is accurate and roof is in good condition.",
"Central HVAC is present and operational (ceiling vents visible) though the outdoor unit is not photographed.",
"Refrigerator is present (visible in kitchen photo); stove/oven and other kitchen appliances likely present but not all are visible in images.",
"Smoke detectors, carbon monoxide alarms, GFCI outlets, electrical panel, and water heater are not visible in photos and therefore treated as unknown — likely present but require onsite verification.",
"No evidence of active leaks, major mold, structural sagging, foundation movement, or fire damage based on photos; severe hidden issues are not apparent from supplied images.",
"Exterior drainage, lot grade, and condition of roof flashing/gutters beyond the visible areas are assumed adequate given no visible signs of water intrusion."
],
"overall_score": 79.0,
"rubric_version": "2026-03-hcv-nspire-v1"
},
{
"summary": "Overall this single-family home appears turnkey for Section 8/HCV initial inspection with minor items to verify. Visible condition is very good: newer roof (2022), updated baths, fresh paint, intact exterior brick, functioning doors/windows, and evidence of central HVAC vents and kitchen appliances. Primary inspection risks to confirm before inspection: presence and correct placement of smoke detectors and CO alarms, GFCI protection in kitchen/bath, electrical panel condition, and verification that HVAC and water heater are operational. If those items are present and functional, this property is likely to pass an initial NSPIRE/HCV inspection with minimal work (turnkey).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Photos and listing show fresh paint, updated bathrooms, new-looking vinyl/laminate bedrooms and tile floors, intact cabinets and trim. No visible major cosmetic damage, stains, or collapsed surfaces. Kitchen appliances (stainless fridge and dishwasher) are visible in photos which reduces the impact of missing-appliance risk. Minor concrete hairline cracks at driveway are cosmetic. Overall minimal repair work expected."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 75.0,
"rationale": "No visible exposed wiring, severe trip hazards, roof leaks, or structural sagging in photos. Bedrooms show egress windows and entry door appears to have a deadbolt. Bathrooms and fixtures appear updated. However, smoke detectors and carbon-monoxide alarms are not visible in the photos (NSPIRE requires properly located smoke detectors), and GFCI locations/outlets are not shown. Electrical panel location and condition not visible. Given the generally well-kept appearance, these are likely remediable but represent an inspection risk until confirmed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 78.0,
"rationale": "Listing states a newer roof (2022) and photos show intact roofline and soffits. Ceiling supply vents present indicating central HVAC (not tested in photos). Updated bathrooms and no visible water damage suggest plumbing in good order. Electrical panel and water heater not shown so their condition is assumed typical. Because several major components are not directly visible (panel, water heater, HVAC equipment), moderate uncertainty remains but the visible evidence is positive."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Brick exterior, attached garage, front porch, and oversized yard appear well maintained. Concrete driveway and porch are in good condition with only minor cracking. No standing water, visible foundation cracks, or exterior deterioration seen. Downspout wrapped in a protective material in photo — appears functional though not standard cosmetic finish. Overall site is sound and safe."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Roof replacement in 2022 is accurate per listing and the roof is free of active leaks.",
"Central HVAC exists and is operational (ceiling vents visible), but equipment condition wasn't photographed.",
"Water heater and electrical panel are present and functional though not shown in photos.",
"Kitchen has standard cooking appliance(s); a refrigerator and dishwasher are visible in photos; stove/range likely present though not clearly pictured.",
"Smoke detectors, CO alarms, and GFCI outlets are not visible in photos; assessment assumes they may be missing or not shown and therefore represent inspection risk until verified.",
"No significant concealed water intrusion or mold given lack of staining in photos; if hidden damage exists (not visible), score would decrease."
],
"overall_score": 82.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4152 W Loyola Dr, Kenner, LA, 70065",
"aggregate": {
"summary": "Property appears well-maintained and largely turnkey for a Housing Choice Voucher inspection. Recent roof, fresh paint, updated baths, intact floors, visible HVAC registers, and a secure entry are all positives. Primary inspection risks from photos are absence/visibility of smoke/CO detectors and inability to verify GFCI protection and the electrical panel, water heater and HVAC operation. These are typically quick corrections or verifications; property likely passes initial inspection after adding/verifying detectors and confirming GFCI/proper panel labeling.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 87.7,
"rationale": "Interior and exterior photos show recently painted walls, updated bathrooms, intact tile and vinyl plank flooring, functioning ceiling fans, and no visible stains or water damage. Listing states newer roof (2022). Minor cosmetic items only; no visible broken windows, missing door hardware, or collapsed finishes. Missing appliances are not evident — a refrigerator and dishwasher are visible; stove not pictured but likely present. Overall minimal repair needs."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 85.0,
"rationale": "Brick exterior, covered front porch, attached garage and concrete driveway look in good repair with tidy landscaping. Downspout present (appears wrapped/secured) and yard is large and free of debris. No evidence of foundation cracking, standing water, pest infestation, or unsafe site hazards in provided images."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 75.0,
"rationale": "No exposed wiring, visible electrical hazards, or open structural failures in photos. Entry door shows a deadbolt. Bedrooms have windows that appear to provide egress. Bathroom and tub surround look properly installed. However, no smoke detectors or carbon monoxide alarms are visible in the photos (NSPIRE requires working smoke detectors in/near sleeping areas); GFCI protection on visible kitchen/bath outlets cannot be confirmed. These are common, quick fixes but affect initial inspection readiness."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.3,
"rationale": "Listing confirms roof replaced in 2022 and photos show a well-maintained roofline. Ceiling HVAC vents/registers are visible indicating central HVAC; unit condition/function not shown. Plumbing fixtures and updated vanities look new and intact, but water heater and electrical panel are not pictured. No signs of active leaks or drainage problems in photos. Systems appear intact but not fully verifiable from photos."
}
],
"red_flags": [],
"confidence": 0.93,
"assumptions": [
"Central HVAC is present and operational (visible ceiling vents/registers) though the system was not photographed in full.",
"Hot water heater is present and functional though not pictured.",
"Electrical panel exists and is intact but was not photographed; no exposed wiring observed in living spaces.",
"A stove/range is present or will be provided (refrigerator and dishwasher visible in kitchen photo; stove not pictured).",
"Smoke detectors and carbon monoxide alarms are either not installed or not visible in listing photos and would need verification/installation prior to inspection.",
"GFCI protection in kitchen and bath outlets could not be confirmed from photos and should be verified.",
"No recent rental events in last 5 years (rental history missing) so rental_history_activity criterion is excluded from scoring."
],
"score_method": "mean_of_criteria",
"overall_score": 81.0,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8013454221"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.