Property ID: 8020218953
757 Canton St, Jefferson, LA, 70121
Jefferson, LA
Money Down: $71,976
CoC Return: 1.44%
Monthly Cash Flow: $86
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,980
Closing Costs
$11,996
Total Down
$71,976
Investment Snapshot
Purchase Price
$299,900
Money Down
$71,976
Cash-on-Cash Return
1.44%
Rent
$2,002
Monthly Cash Flow
$86
Annual Cash Flow
$1,036
Debt Service / Mo
$1,596
Property Tax / Mo
$65
Insurance / Mo
$54
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,002
Payment Standard
$2,328
Rent
$2,002
Insurance
$54
Property Tax
$65
Management
$200
Utilities Allowance
$326
NOI (Monthly)
$1,683
Debt Service
$1,596
Cash Flow After Debt
$86
Quality Score: 77.10%
Confidence: 95.00%
Overall the property presents as well-maintained and mostly inspection-ready. Recent interior updates, new water heater, and presence of full kitchen appliances support a relatively quick pass timeline. The most likely inspection issues are missing/ nonfunctional smoke and carbon monoxide alarms, confirmation of GFCI outlets in the kitchen/bath, and verification of electrical panel condition and deadbolt on exterior entry. These are generally minor/quick to remediate. Estimated readiness: likely rent‑ready within 30 days pending verification/installation of required detectors and any GFCI/electrical items identified during inspection.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$326
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,900
Beds
4
Baths
2
Living Area
1,325 sqft
Lot Size
—
Year Built
1950
Days on Market
15
Capital Outlay
$71,976
Debt Service
$1,596
Property Tax / Mo
$65
Insurance / Mo
$54
Property Description
Charming 4-Bedroom Home in Old Jefferson, LA - Ready for Your Personal Touch! Discover this spacious 4-bedroom, 2-bath home nestled in the desirable Old Jefferson area. Offering a solid foundation with some repairs needed this property presents an excellent opportunity to create your dream home with personalized updates and designs. Recent upgrades include new vinyl plank wood flooring in the living areas (2026), fresh interior paint, and a new water heater (2025). The kitchen has granite countertops, custom built cabinets with a convenient pull-out feature, and a separate food pantry- for organized living. The home also features custom-cased window frames and crown molding, adding a touch of style throughout. 4th bedroom being used for an office. The property is currently under a transferable termite contract and with a flood insurance policy that is also transferable. Home located in "X" Flood zone. Additional highlights include a detached 2-car garage with plans for an additional apartment above-for rental income or guest accommodations. Step outside to a large screened-in rear porch, enjoy relaxing or entertaining guests. Priced to sell based on its current condition, the seller will not make any repairs, giving the new owner the freedom to personalize and update the home at their own pace. Don't miss this fantastic opportunity to own a home with great potential in a wonderful location!
Utility Allowances
Cooking (Natural Gas)
$14
Property listing specifies 'Gas: Natural' and includes a 'Range/Oven'.
Heating (Natural Gas)
$79
Property has 'Central' heating and 'Gas: Natural' service, making natural gas the most likely fuel source.
Other Electric (includes A/C)
$77
This is a fixed allowance for general electricity, lighting, outlets, and central air conditioning. It also covers tenant-provided appliances like a refrigerator, as it was not listed as included.
Sewer
$54
Property listing explicitly states 'Sewer: City'.
Trash Collection
$25
Trash collection is a standard municipal service for a single-family home and is assumed to be a tenant responsibility unless otherwise specified.
Water
$50
Property listing specifies 'Water Source: Public'.
Water Heating (Natural Gas)
$27
Property has natural gas service, making it the most probable and cost-effective fuel for the water heater.
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$636
DP3 Annual Estimate$665
DP1 Monthly Equivalent$53
DP3 Monthly Equivalent$55
Replacement Value$18,000
Basis1,325 sqft / 1950
Nearby Houses
Photo unavailable
613 Tucker Ave
off_market · 0.11 mi
Price: $1,650
2 bd / 1 ba · 817 sqft
Latest sale: —
Latest rent: —
Photo unavailable
609 Tucker Ave
for_sale · 0.12 mi
Price: $265,000
3 bd / 2 ba · 1,629 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4221 Morris Pl Lots 1 & 2
for_sale · 0.13 mi
Price: $199,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4305 Morris Pl
off_market · 0.13 mi
Price: $1,700
3 bd / 2 ba · 1,000 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4007 Isabel St
sold · 0.16 mi
Price: $179,000
2 bd / 1 ba · 774 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
- Smoke detectors and carbon monoxide alarm(s) are not visible in photos; assume they may be missing or not shown and may need installation/verification.
- Electrical panel exists and is up to code but was not photographed; no visible exterior meter or service disconnect issues were observed from photos.
- Roof appears intact from front elevation photos; no active leaks inferred since ceilings look finished and undamaged.
- Kitchen and bathroom plumbing and hot water are functional (water heater listed as new in 2025) but operational verification is required.
- Bedroom egress windows are adequate based on visible window size and location, but exact compliance dimensions not measured from photos.
- Detached garage and potential above-garage apartment are not part of the primary dwelling inspection in these photos and their condition is unknown.
- Transferable termite contract suggests prior/ongoing treatment but interior structural damage is not visible in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $758 | $60,100 | $6,010 |
| 2024 | $757 | $60,100 | $6,010 |
| 2023 | $790 | $60,100 | $6,010 |
| 2022 | $769 | $60,100 | $6,010 |
| 2021 | $715 | $60,100 | $6,010 |
| 2020 | $710 | $60,100 | $6,010 |
| 2019 | $729 | $60,100 | $6,010 |
| 2018 | $681 | $60,100 | $6,010 |
| 2017 | $681 | $60,100 | $6,010 |
| 2016 | $668 | $60,100 | $6,010 |
| 2015 | $684 | $60,100 | $6,010 |
| 2014 | $676 | $60,100 | $6,010 |
| 2013 | $676 | $60,100 | $6,010 |
| 2010 | $617 | $60,100 | $6,010 |
| 2009 | $617 | $60,100 | $6,010 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-25 | Listed | $299,900 |
Photo Gallery
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"rmn_listing_attribution": false
},
"property_id": "8020218953",
"generated_at": "2026-03-27T02:59:30.136796Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 77.1
},
"utility_allowance": {
"zip_code": "70121",
"home_photo": "https://ap.rdcpix.com/81fff262ed1a29304d97c40e62dc987el-m2416529617s-w1280.jpg",
"rent_price": 2002.0,
"loan_amount": 239920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/757-Canton-St_Jefferson_LA_70121_M80202-18953",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 299900.0,
"loan_term_years": 30,
"annual_cash_flow": 20190.36,
"mortgage_monthly": 1596.19,
"payment_standard": 2328.0,
"total_amount_out": 59980.0,
"additional_photos": [
"https://ap.rdcpix.com/81fff262ed1a29304d97c40e62dc987el-m52443822s-w1280.jpg",
"https://ap.rdcpix.com/81fff262ed1a29304d97c40e62dc987el-m3151150665s-w1280.jpg",
"https://ap.rdcpix.com/81fff262ed1a29304d97c40e62dc987el-m923968405s-w1280.jpg",
"https://ap.rdcpix.com/81fff262ed1a29304d97c40e62dc987el-m2608289178s-w1280.jpg",
"https://ap.rdcpix.com/81fff262ed1a29304d97c40e62dc987el-m3125654931s-w1280.jpg",
"https://ap.rdcpix.com/81fff262ed1a29304d97c40e62dc987el-m4054619470s-w1280.jpg",
"https://ap.rdcpix.com/81fff262ed1a29304d97c40e62dc987el-m3588687599s-w1280.jpg",
"https://ap.rdcpix.com/81fff262ed1a29304d97c40e62dc987el-m3339981090s-w1280.jpg",
"https://ap.rdcpix.com/81fff262ed1a29304d97c40e62dc987el-m2483802559s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 54.21,
"monthly_cash_flow": 1682.53,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property listing specifies 'Gas: Natural' and includes a 'Range/Oven'.",
"utility": "Cooking (Natural Gas)",
"allowance": 14
},
{
"note": "Property has 'Central' heating and 'Gas: Natural' service, making natural gas the most likely fuel source.",
"utility": "Heating (Natural Gas)",
"allowance": 79
},
{
"note": "This is a fixed allowance for general electricity, lighting, outlets, and central air conditioning. It also covers tenant-provided appliances like a refrigerator, as it was not listed as included.",
"utility": "Other Electric (includes A/C)",
"allowance": 77
},
{
"note": "Property listing explicitly states 'Sewer: City'.",
"utility": "Sewer",
"allowance": 54
},
{
"note": "Trash collection is a standard municipal service for a single-family home and is assumed to be a tenant responsibility unless otherwise specified.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Property listing specifies 'Water Source: Public'.",
"utility": "Water",
"allowance": 50
},
{
"note": "Property has natural gas service, making it the most probable and cost-effective fuel for the water heater.",
"utility": "Water Heating (Natural Gas)",
"allowance": 27
}
],
"cash_on_cash_return": 0.34,
"down_payment_amount": 59980.0,
"property_tax_annual": 780.74,
"property_tax_monthly": 65.06,
"property_tax_increase": 0.03,
"utility_allowance_total": 326.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 1036.04,
"property_management_monthly": 200.2,
"monthly_cash_flow_after_debt": 86.34,
"cash_on_cash_return_after_debt": 0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property presents as well-maintained and mostly inspection-ready. Recent interior updates, new water heater, and presence of full kitchen appliances support a relatively quick pass timeline. The most likely inspection issues are missing/ nonfunctional smoke and carbon monoxide alarms, confirmation of GFCI outlets in the kitchen/bath, and verification of electrical panel condition and deadbolt on exterior entry. These are generally minor/quick to remediate. Estimated readiness: likely rent‑ready within 30 days pending verification/installation of required detectors and any GFCI/electrical items identified during inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos and listing show recent interior upgrades (new vinyl plank flooring in living areas 2026, fresh paint) and a new water heater (2025). Kitchen appears complete with fridge, dishwasher, microwave and gas range; cabinets and granite countertops look serviceable. Bathrooms and trim/crown molding appear intact. No visible collapsed ceilings, exposed subfloor, or major cosmetic degradation. Seller declines repairs, so cosmetic touch-ups and small finish items may be required prior to move-in, but these are minor. Missing items: no visual evidence of mounted smoke/CO detectors in photos (cosmetic/operational fit-out may be needed). Overall condition is substantially sound."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 68.0,
"rationale": "No visible life‑threatening hazards in photos (no standing water, collapsed ceilings, visible severe mold, or major structural sagging). Bedrooms show windows for egress. Electrical outlets have covers; no exposed wiring visible. However, required safety items are not clearly visible in photos: smoke detectors and carbon monoxide alarm(s) are not shown (CO alarm particularly important because a gas range is present), GFCI protection near kitchen sink not visibly confirmed, and the main electrical panel is not photographed. Entry door hardware visible but a deadbolt is not clearly shown. These are usually quick fixes but are common inspection items that could cause a fail if missing/ nonfunctional."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 82.0,
"rationale": "Listing states new water heater (2025). Ceiling HVAC vents are visible (central air present), and a window AC unit is visible in one bedroom as supplemental cooling. Kitchen appliances (gas range, refrigerator, dishwasher, microwave) are present and appear functional. No visible roof leaks, plumbing failures, or damaged ducting are apparent in photos. Electrical panel and service condition are not shown. Based on visible evidence, major systems appear to be in good working order but verification of panel, HVAC operation, water heater installation, and plumbing function will be required on inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 86.0,
"rationale": "Front exterior shows intact siding, a sound roof profile with no visible sag, a clean driveway, and a maintained yard. There is a small front stoop/steps and a ramp/railing element visible; no unsafe stairs or broken handrails are apparent in the photos. Detached 2-car garage is noted in listing (not fully photographed) and property is in Flood Zone X with transferable flood insurance. The yard and sidewalks appear serviceable with no visible drainage or standing water issues in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarm(s) are not visible in photos; assume they may be missing or not shown and may need installation/verification.",
"Electrical panel exists and is up to code but was not photographed; no visible exterior meter or service disconnect issues were observed from photos.",
"Roof appears intact from front elevation photos; no active leaks inferred since ceilings look finished and undamaged.",
"Kitchen and bathroom plumbing and hot water are functional (water heater listed as new in 2025) but operational verification is required.",
"Bedroom egress windows are adequate based on visible window size and location, but exact compliance dimensions not measured from photos.",
"Detached garage and potential above-garage apartment are not part of the primary dwelling inspection in these photos and their condition is unknown.",
"Transferable termite contract suggests prior/ongoing treatment but interior structural damage is not visible in photos."
],
"overall_score": 78.0,
"rubric_version": "2026-03-27-v1"
},
{
"summary": "This 4-bed, 2-bath single-family home appears largely turnkey for Section 8 / HCV occupancy with updated finishes, a new water heater (2025), and functioning appliances. Major structural and system failures are not evident in the photos. Primary inspection risks are missing or not-visible life-safety items (smoke and carbon monoxide alarms, and visible GFCI protection in the kitchen) and minor verification items (electrical panel, listing-specified HVAC operation). With installation/verification of smoke/CO alarms, confirmation of GFCI protection, and routine pre-lease checks (electrical panel, HVAC service), the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show fresh paint, new vinyl plank flooring in living areas (2026) and well-maintained hardwood in bedrooms. Kitchen has granite counters and custom cabinets; appliances (refrigerator, gas range, microwave, dishwasher) are present. Bathrooms appear functional. No visible major cosmetic deferred maintenance. Missing small finish items (no visible outlet covers missing, no large drywall damage). Overall turnkey with only cosmetic/finish-level work expected."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards in photos (no sagging ceilings, standing water, visible mold, or exposed wiring). Bedrooms have windows that appear to provide egress. Central HVAC supply registers visible. However, I do NOT see smoke detectors or a carbon monoxide alarm in photos; CO alarms are required when a gas appliance (gas range) is present. GFCI protection at kitchen counters is not visible (outlets near countertop appear standard). Entry door hardware shows a knob but deadbolt presence is not clear. These missing/uncertain safety items reduce the score because they are common NSPIRE/Section 8 inspection fails if absent."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 80.0,
"rationale": "Listing states a new water heater (2025). Ceiling HVAC vents present indicating central HVAC; a window AC is visible in one bedroom but central system appears installed. Appliances appear operational (gas range, refrigerator, dishwasher). No visible plumbing leaks or water stains. Electrical panel not shown and condition unknown. Based on visible evidence and seller notes, major systems appear serviceable, but panel and GFCI status unknown."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior photos show intact vinyl siding, level roofline with no visible sag or stains, tidy yard, and a paved driveway. Detached 2-car garage present. Property is in FEMA 'X' flood zone and has transferable flood insurance and termite contract per listing. No visible standing water, major grading or foundation cracking observed from provided photos."
}
],
"red_flags": [
"No visible smoke detectors in photos (required; inspection fail if not installed).",
"No visible carbon monoxide alarm in photos and gas range present (required in many jurisdictions).",
"GFCI protection at kitchen countertop outlets not evident in photos (potential NSPIRE fail)."
],
"confidence": 0.72,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in provided photos; assume they may be missing and will need verification/installation.",
"Central HVAC is operational (ceiling supply registers visible) though a window AC unit exists in one bedroom; a service check may be required.",
"Kitchen and major appliances pictured are present and function, but their operability has not been tested (assumed working).",
"Electrical panel and GFCI protection are present but were not photographed; assume GFCI outlets may need verification or installation in kitchen and wet areas.",
"No concealed roof leaks, major foundation movement, or active pest damage beyond the transferable termite contract unless discovered on a physical inspection.",
"Bedrooms’ windows meet minimum egress size based on visible proportions in photos.",
"Seller will not make repairs (listing), so any missing safety items will be tenant/owner responsibility prior to passing inspection."
],
"overall_score": 78.0,
"rubric_version": "nspr-2026-01"
},
{
"summary": "This 4-bed, 2-bath single family appears mostly turnkey for Section 8 tenancy with attractive cosmetic updates, functioning kitchen appliances, a new water heater (2025) and evidence of central HVAC. Key safety/system items (smoke/CO alarms, GFCI protection, electrical panel and formal verification of HVAC/water heater hookups) are not shown in photos and should be confirmed. No major structural or life‑threatening issues are evident in the imagery. Likely to pass an initial HCV/NSPIRE inspection after verification/installation of required detectors and any missing GFCI/outlet protections — estimated rent-ready timeline 1–4 weeks depending on detector/outlet work and documentation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show recent cosmetic upgrades (new vinyl plank living flooring 2026, fresh paint, crown molding), intact cabinetry and granite counters, and all main kitchen appliances present (refrigerator, range, dishwasher, microwave). Bathrooms and built-ins appear clean and functional. The seller states no repairs will be made, so any minor outstanding items will be owner/tenant responsibility. Overall deferred maintenance is low and mostly cosmetic/capital items rather than structural."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: walls/ceilings appear intact, no visible active leaks, no standing water, and bedroom windows appear to provide egress. Ceiling supply registers indicate central HVAC and living/bedroom access. However required safety elements are not documented in photos: smoke/CO alarms are not visible in bedrooms or common area photos, GFCI protection at kitchen outlets is not clearly shown, and the electrical panel is not pictured. A window AC unit with visible cord is present in one bedroom but appears plugged; this is not a critical hazard but should be inspected. These unknowns reduce the safety score."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Listing notes a new water heater in 2025; photos show central supply/return vents in ceilings suggesting a central HVAC system. Kitchen appliances appear modern and functional (gas range, microwave, dishwasher, fridge). There is no photo of the electrical panel, furnace/air handler, or water heater location to confirm condition or age beyond seller claims. Roof visible from front appears intact with no sagging. Given visible evidence of functioning systems but lack of documentation/inspection of key equipment, score reflects good but not fully verified system condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Exterior photos show vinyl siding in good repair, a clean concrete driveway, maintained lawn and a screened rear porch. Foundation skirting is present; no visible foundation cracks or settling from photos. Property is in FEMA Flood Zone X with transferable flood insurance (not a defect but a factor). Detached 2-car garage present; plans for apartment above are noted but not currently a compliance issue. No signs of severe exterior neglect or infestation in provided images."
}
],
"red_flags": [
"Smoke/CO alarms not visible or documented — required and must be installed/verified in sleeping areas and common areas.",
"GFCI protection for kitchen/bath outlets not documented — may be required and should be verified/installed.",
"No photo/documentation of electrical panel or furnace/air handler — system verification required prior to inspection."
],
"confidence": 0.75,
"assumptions": [
"Central HVAC is present and operational based on visible ceiling supply/return vents; no failure evident in photos.",
"New water heater installed in 2025 as listed and is functional; actual location/installation not photographed.",
"Smoke and CO detectors are not visible in photos; assume they may be missing or not in required locations until confirmed.",
"GFCI protection at kitchen and bathroom outlets is not visible; assume potential lack until verified.",
"Electrical panel location and condition were not provided; assume intact but unverified.",
"Bedroom windows provide required egress based on size/appearance in photos, but measurements were not provided.",
"No visible signs of active roof leaks, structural sagging, major foundation movement, or severe mold from provided photos.",
"Detached garage conversion plans do not affect current inspection readiness (not yet converted).",
"Seller will not complete repairs per listing; owner/manager must address any inspection failures after purchase."
],
"overall_score": 76.0,
"rubric_version": "ns_prep_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "757 Canton St, Jefferson, LA, 70121",
"aggregate": {
"summary": "Overall the property presents as well-maintained and mostly inspection-ready. Recent interior updates, new water heater, and presence of full kitchen appliances support a relatively quick pass timeline. The most likely inspection issues are missing/ nonfunctional smoke and carbon monoxide alarms, confirmation of GFCI outlets in the kitchen/bath, and verification of electrical panel condition and deadbolt on exterior entry. These are generally minor/quick to remediate. Estimated readiness: likely rent‑ready within 30 days pending verification/installation of required detectors and any GFCI/electrical items identified during inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.3,
"rationale": "Photos and listing show recent interior upgrades (new vinyl plank flooring in living areas 2026, fresh paint) and a new water heater (2025). Kitchen appears complete with fridge, dishwasher, microwave and gas range; cabinets and granite countertops look serviceable. Bathrooms and trim/crown molding appear intact. No visible collapsed ceilings, exposed subfloor, or major cosmetic degradation. Seller declines repairs, so cosmetic touch-ups and small finish items may be required prior to move-in, but these are minor. Missing items: no visual evidence of mounted smoke/CO detectors in photos (cosmetic/operational fit-out may be needed). Overall condition is substantially sound."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 84.3,
"rationale": "Front exterior shows intact siding, a sound roof profile with no visible sag, a clean driveway, and a maintained yard. There is a small front stoop/steps and a ramp/railing element visible; no unsafe stairs or broken handrails are apparent in the photos. Detached 2-car garage is noted in listing (not fully photographed) and property is in Flood Zone X with transferable flood insurance. The yard and sidewalks appear serviceable with no visible drainage or standing water issues in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 66.0,
"rationale": "No visible life‑threatening hazards in photos (no standing water, collapsed ceilings, visible severe mold, or major structural sagging). Bedrooms show windows for egress. Electrical outlets have covers; no exposed wiring visible. However, required safety items are not clearly visible in photos: smoke detectors and carbon monoxide alarm(s) are not shown (CO alarm particularly important because a gas range is present), GFCI protection near kitchen sink not visibly confirmed, and the main electrical panel is not photographed. Entry door hardware visible but a deadbolt is not clearly shown. These are usually quick fixes but are common inspection items that could cause a fail if missing/ nonfunctional."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 79.0,
"rationale": "Listing states new water heater (2025). Ceiling HVAC vents are visible (central air present), and a window AC unit is visible in one bedroom as supplemental cooling. Kitchen appliances (gas range, refrigerator, dishwasher, microwave) are present and appear functional. No visible roof leaks, plumbing failures, or damaged ducting are apparent in photos. Electrical panel and service condition are not shown. Based on visible evidence, major systems appear to be in good working order but verification of panel, HVAC operation, water heater installation, and plumbing function will be required on inspection."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Smoke detectors and carbon monoxide alarm(s) are not visible in photos; assume they may be missing or not shown and may need installation/verification.",
"Electrical panel exists and is up to code but was not photographed; no visible exterior meter or service disconnect issues were observed from photos.",
"Roof appears intact from front elevation photos; no active leaks inferred since ceilings look finished and undamaged.",
"Kitchen and bathroom plumbing and hot water are functional (water heater listed as new in 2025) but operational verification is required.",
"Bedroom egress windows are adequate based on visible window size and location, but exact compliance dimensions not measured from photos.",
"Detached garage and potential above-garage apartment are not part of the primary dwelling inspection in these photos and their condition is unknown.",
"Transferable termite contract suggests prior/ongoing treatment but interior structural damage is not visible in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 77.1,
"rubric_version": "2026-03-27-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8020218953"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.