Property ID: 8021146597
1409 66th St W, Birmingham, AL, 35228
Birmingham, AL
Money Down: $26,400
CoC Return: 14.59%
Monthly Cash Flow: $321
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
14.59%
Rent
$1,151
Monthly Cash Flow
$321
Annual Cash Flow
$3,851
Debt Service / Mo
$585
Property Tax / Mo
$57
Insurance / Mo
$72
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,151
Payment Standard
$1,584
Rent
$1,151
Insurance
$72
Property Tax
$57
Management
$115
Utilities Allowance
$433
NOI (Monthly)
$906
Debt Service
$585
Cash Flow After Debt
$321
Quality Score: 72.70%
Confidence: 93.00%
Based on exterior photos and the listing (roof and HVAC updated within five years), this single-family home appears to be in generally good condition and would likely pass an initial HCV/NSPIRE inspection after a short, focused list of minor repairs and verifications. Primary actions before leasing: confirm working smoke and CO detectors, verify GFCI protection in kitchen/bath, confirm hot water and HVAC operation, repair/replace unsafe shed steps or remove shed if unpermitted, address driveway trip cracks, and refinish deck surfaces. No major structural or life-safety failures are visible from the provided images.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$433
Guaranteed Section 8 Rent (PS - Utilities)
$1,151
Property Management
$115
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
3
Baths
1.5
Living Area
1,161 sqft
Lot Size
8,276 sqft
Year Built
1958
Days on Market
31
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$57
Insurance / Mo
$72
Property Description
Move-in ready home in an established neighborhood, ideal for a first-time homebuyer or investor. This well-maintained property offers peace of mind with a roof and HVAC system updated within the last five years. New windows were installed across the front of the house. Located in an established Birmingham neighborhood with convenient access to major roadways, shopping, dining, and downtown Birmingham. Whether you're looking to owner-occupy or add to your investment portfolio, this home is a great opportunity. Schedule your showing today!
Utility Allowances
heating
$38
Property has Natural Gas heating. Spire is the primary provider for Birmingham.
cooling
$22
Property has central air conditioning (electric). Alabama Power is the primary electric provider in the area.
water_heating
$35
Property has a gas water heater. Spire is the assumed natural gas provider.
cooking
$15
Property has a gas cooktop. Spire is the assumed natural gas provider.
other_electric
$68
Standard allowance for general electric use (lights, outlets). Alabama Power is the primary provider.
water
$78
Property is on public water. Selected 'Water: Birmingham' as the property is located in Birmingham.
sewer
$151
Property is connected to a public sewer system. The allowance is a fixed value from the schedule.
trash_collection
$20
Trash collection is not specified in the property details. Selected the schedule's option for 'Jefferson City' as the most applicable geographic choice.
refrigerator
$0
Refrigerator is listed as a provided appliance, so the tenant allowance is $0.
range_microwave
$6
A microwave is not listed as a provided appliance, so the tenant allowance is included.
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$713
DP3 Annual Estimate$1,018
DP1 Monthly Equivalent$59
DP3 Monthly Equivalent$85
Replacement Value$87,300
Basis1,161 sqft / 1958
Nearby Houses
Photo unavailable
6605 Avenue N # N
sold · 0.04 mi
Price: $47,500
3 bd / 2 ba
Latest sale: $47,500 on Jan 05, 2017
Latest rent: —
Photo unavailable
1424 67th St W
sold · 0.06 mi
Price: $52,500
3 bd / 2 ba · 1,062 sqft
Latest sale: $52,500 on May 04, 2021
Latest rent: —
Photo unavailable
1329 W 66th St
sold · 0.07 mi
Price: $139,900
3 bd / 2 ba · 1,136 sqft
Latest sale: $139,900 on Jan 19, 2024
Latest rent: —
Photo unavailable
6613 Avenue N
sold · 0.07 mi
Price: $51,000
3 bd / 2 ba · 1,500 sqft
Latest sale: $51,000 on Apr 02, 2024
Latest rent: —
Photo unavailable
6500 Avenue N
sold · 0.07 mi
Price: $50,000
3 bd / 2 ba · 1,517 sqft
Latest sale: $50,000
Latest rent: $1,015 on Apr 28, 2023
Photo unavailable
1325 W 66th St
sold · 0.08 mi
Price: $27,500
3 bd / 2 ba · 1,049 sqft
Latest sale: $27,500 on Apr 13, 2018
Latest rent: —
Photo unavailable
1320 66th St W
sold · 0.09 mi
Price: $55,000
3 bd / 2 ba · 1,134 sqft
Latest sale: $55,000 on Jun 18, 2021
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Accessory shed in poor condition with makeshift (cinderblock) steps — potential safety/trip/fall hazard and possibly unpermitted
- Driveway has noticeable cracking and a patched seam that could be a trip hazard
- No interior photos provided — inability to confirm smoke/CO detectors, GFCI, electrical panel, hot water, and bedroom egress is an inspection risk
Assumptions
- Listing statement that roof and HVAC were updated within the last five years is accurate and systems are functional.
- Interior condition is generally acceptable and 'move-in ready' as claimed; no visible interior photos were provided.
- Smoke/CO detectors, GFCI outlets, electrical panel condition, hot water heater, and bedroom egress windows are unknown and require inspection; absence of interior photos increases uncertainty.
- Accessory shed is a non-permanent/storage structure and not required to meet primary dwelling inspection standards, but its condition may trigger HCV concerns if used as habitable space.
- No visible signs of major foundation movement, active roof leaks, collapsed ceilings, or severe mold on exterior imagery, so none are assumed present.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $669 | $102,100 | $10,220 |
| 2023 | $669 | $102,100 | $10,220 |
| 2022 | $492 | $77,800 | $7,780 |
| 2021 | $492 | $77,800 | $7,780 |
| 2020 | $492 | $77,800 | $7,780 |
| 2019 | $532 | $83,300 | $8,340 |
| 2018 | $447 | $71,500 | $7,160 |
| 2017 | $451 | $72,100 | $7,220 |
| 2016 | $470 | $74,800 | $7,480 |
| 2015 | $443 | $70,900 | $7,100 |
| 2013 | $419 | $56,000 | $5,600 |
| 2012 | $419 | $69,890 | $6,989 |
| 2011 | $532 | $86,200 | $8,620 |
| 2010 | $535 | $86,700 | $8,670 |
| 2009 | $535 | $86,700 | $8,670 |
| 2008 | $546 | $88,200 | $8,820 |
| 2007 | $582 | $93,400 | $9,340 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2003-05-27 | Sold | $69,900 |
Photo Gallery
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"building": null
}
},
{
"tax": 669,
"year": 2023,
"market": {
"land": 14800,
"total": 102100,
"building": 87300
},
"assessment": {
"land": null,
"total": 10220,
"building": null
}
},
{
"tax": 492,
"year": 2022,
"market": {
"land": 14800,
"total": 77800,
"building": 63000
},
"assessment": {
"land": null,
"total": 7780,
"building": null
}
},
{
"tax": 492,
"year": 2021,
"market": {
"land": 14800,
"total": 77800,
"building": 63000
},
"assessment": {
"land": null,
"total": 7780,
"building": null
}
},
{
"tax": 492,
"year": 2020,
"market": {
"land": 14800,
"total": 77800,
"building": 63000
},
"assessment": {
"land": null,
"total": 7780,
"building": null
}
},
{
"tax": 532,
"year": 2019,
"market": {
"land": 14800,
"total": 83300,
"building": 68500
},
"assessment": {
"land": null,
"total": 8340,
"building": null
}
},
{
"tax": 447,
"year": 2018,
"market": {
"land": 11500,
"total": 71500,
"building": 60000
},
"assessment": {
"land": null,
"total": 7160,
"building": null
}
},
{
"tax": 451,
"year": 2017,
"market": {
"land": 12100,
"total": 72100,
"building": 60000
},
"assessment": {
"land": null,
"total": 7220,
"building": null
}
},
{
"tax": 470,
"year": 2016,
"market": {
"land": 14800,
"total": 74800,
"building": 60000
},
"assessment": {
"land": null,
"total": 7480,
"building": null
}
},
{
"tax": 443,
"year": 2015,
"market": {
"land": 14800,
"total": 70900,
"building": 56100
},
"assessment": {
"land": null,
"total": 7100,
"building": null
}
},
{
"tax": 419,
"year": 2013,
"market": {
"land": 14800,
"total": 56000,
"building": 41200
},
"assessment": {
"land": null,
"total": 5600,
"building": null
}
},
{
"tax": 419,
"year": 2012,
"market": {
"land": 14790,
"total": 69890,
"building": 55100
},
"assessment": {
"land": 1479,
"total": 6989,
"building": 5510
}
},
{
"tax": 532,
"year": 2011,
"market": {
"land": 30100,
"total": 86200,
"building": 56100
},
"assessment": {
"land": 3010,
"total": 8620,
"building": 5610
}
},
{
"tax": 535,
"year": 2010,
"market": {
"land": 30100,
"total": 86700,
"building": 56600
},
"assessment": {
"land": 3010,
"total": 8670,
"building": 5660
}
},
{
"tax": 535,
"year": 2009,
"market": {
"land": 30100,
"total": 86700,
"building": 56600
},
"assessment": {
"land": 3010,
"total": 8670,
"building": 5660
}
},
{
"tax": 546,
"year": 2008,
"market": {
"land": 30100,
"total": 88200,
"building": 58100
},
"assessment": {
"land": 3010,
"total": 8820,
"building": 5810
}
},
{
"tax": 582,
"year": 2007,
"market": {
"land": 36200,
"total": 93400,
"building": 57200
},
"assessment": {
"land": 3620,
"total": 9340,
"building": 5720
}
}
],
"property_history": [
{
"date": "2026-01-16",
"price": 110000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-16T17:28:18Z",
"list_price": 110000,
"listing_id": "2990365518",
"last_update_date": "2026-02-16T02:05:01Z",
"last_status_change_date": "2026-01-16T17:28:18Z"
},
"event_name": "Listed",
"price_sqft": 94.74590869939708,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21441053",
"price_change_percentage": "+57.37%"
},
{
"date": "2003-05-27",
"price": 69900,
"listing": null,
"event_name": "Sold",
"price_sqft": 60.20671834625323,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8021146597",
"generated_at": "2026-02-16T03:32:08.269924Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.7
},
"utility_allowance": {
"zip_code": "35228",
"home_photo": "https://ap.rdcpix.com/69a2a3aa986a8d8fe4cd04de76dd417fl-m828735116s-w1280.jpg",
"rent_price": 1151.0,
"loan_amount": 88000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1409-66th-St-W_Birmingham_AL_35228_M80211-46597",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 110000.0,
"loan_term_years": 30,
"annual_cash_flow": 10876.23,
"mortgage_monthly": 585.47,
"payment_standard": 1584.0,
"total_amount_out": 22000.0,
"additional_photos": [
"https://ap.rdcpix.com/69a2a3aa986a8d8fe4cd04de76dd417fl-m1302379376s-w1280.jpg",
"https://ap.rdcpix.com/69a2a3aa986a8d8fe4cd04de76dd417fl-m2492632792s-w1280.jpg",
"https://ap.rdcpix.com/69a2a3aa986a8d8fe4cd04de76dd417fl-m1217962405s-w1280.jpg",
"https://ap.rdcpix.com/69a2a3aa986a8d8fe4cd04de76dd417fl-m3189884304s-w1280.jpg",
"https://ap.rdcpix.com/69a2a3aa986a8d8fe4cd04de76dd417fl-m3591203499s-w1280.jpg",
"https://ap.rdcpix.com/69a2a3aa986a8d8fe4cd04de76dd417fl-m4149564584s-w1280.jpg",
"https://ap.rdcpix.com/69a2a3aa986a8d8fe4cd04de76dd417fl-m275558071s-w1280.jpg",
"https://ap.rdcpix.com/69a2a3aa986a8d8fe4cd04de76dd417fl-m619731873s-w1280.jpg",
"https://ap.rdcpix.com/69a2a3aa986a8d8fe4cd04de76dd417fl-m768865153s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 72.12,
"monthly_cash_flow": 906.35,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has Natural Gas heating. Spire is the primary provider for Birmingham.",
"utility": "heating",
"allowance": 38
},
{
"note": "Property has central air conditioning (electric). Alabama Power is the primary electric provider in the area.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property has a gas water heater. Spire is the assumed natural gas provider.",
"utility": "water_heating",
"allowance": 35
},
{
"note": "Property has a gas cooktop. Spire is the assumed natural gas provider.",
"utility": "cooking",
"allowance": 15
},
{
"note": "Standard allowance for general electric use (lights, outlets). Alabama Power is the primary provider.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property is on public water. Selected 'Water: Birmingham' as the property is located in Birmingham.",
"utility": "water",
"allowance": 78
},
{
"note": "Property is connected to a public sewer system. The allowance is a fixed value from the schedule.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Trash collection is not specified in the property details. Selected the schedule's option for 'Jefferson City' as the most applicable geographic choice.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "Refrigerator is listed as a provided appliance, so the tenant allowance is $0.",
"utility": "refrigerator",
"allowance": 0
},
{
"note": "A microwave is not listed as a provided appliance, so the tenant allowance is included.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.49,
"down_payment_amount": 22000.0,
"property_tax_annual": 689.07,
"property_tax_monthly": 57.42,
"property_tax_increase": 0.03,
"utility_allowance_total": 433.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3850.64,
"property_management_monthly": 115.1,
"monthly_cash_flow_after_debt": 320.89,
"cash_on_cash_return_after_debt": 0.18
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and the listing (roof and HVAC updated within five years), this single-family home appears to be in generally good condition and would likely pass an initial HCV/NSPIRE inspection after a short, focused list of minor repairs and verifications. Primary actions before leasing: confirm working smoke and CO detectors, verify GFCI protection in kitchen/bath, confirm hot water and HVAC operation, repair/replace unsafe shed steps or remove shed if unpermitted, address driveway trip cracks, and refinish deck surfaces. No major structural or life-safety failures are visible from the provided images.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a well-maintained brick/vinyl home with updated front windows and generally tidy landscaping. Deck and railings are present but show surface wear and need refinishing; concrete driveway has visible cracking and a patched seam; detached accessory shed is weathered and uses cinderblock steps. No visible major exterior decay, peeling paint, or collapsed elements. Missing interior photos prevent verification of appliances and interior finishes; listing claims 'move-in ready' which supports a moderate-good condition rating. Missing appliances (unknown) considered moderate negative but not catastrophic."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No visible severe safety hazards on exterior: porch and deck have railings, entry stairs have a metal railing, yard is fenced. Roof appears intact and gutters/downspouts present. Overhead utility lines are present but not uncommon. Primary concerns: accessory shed has makeshift steps and may present a trip/fall hazard; no interior photos to confirm smoke/CO detectors, GFCI outlets, electrical panel condition, hot water, or bedroom egress compliance. No visible exposed wiring or active water intrusion. Given exterior condition and listing claims (HVAC/roof updated) the property is a moderate risk for NSPIRE items that require interior confirmation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 72.0,
"rationale": "Listing states roof and HVAC updated within last 5 years; outdoor condenser/AC equipment appears present in photos. Roof shingles look serviceable in photos; gutters and downspouts intact. No interior photos to confirm water heater, plumbing leaks, electrical panel, or furnace operation, so score reflects good exterior evidence but uncertainty for unseen systems. Concrete carport and deck supports appear serviceable. No signs of standing water or roof sagging."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 78.0,
"rationale": "Brick foundation and lower walls look solid with no visible major foundation cracks or sagging. Vinyl siding and new front windows look in good condition. Yard is fenced with secure chain-link, providing tenant safety. Deck and carport provide covered parking and usable outdoor space. Driveway has cracking (trip potential) and accessory shed is in poor cosmetic condition; landscaping is tidy but basic. Overall exterior envelope appears intact and well-maintained."
}
],
"red_flags": [
"Accessory shed in poor condition with makeshift (cinderblock) steps — potential safety/trip/fall hazard and possibly unpermitted",
"Driveway has noticeable cracking and a patched seam that could be a trip hazard",
"No interior photos provided — inability to confirm smoke/CO detectors, GFCI, electrical panel, hot water, and bedroom egress is an inspection risk"
],
"confidence": 0.65,
"assumptions": [
"Listing statement that roof and HVAC were updated within the last five years is accurate and systems are functional.",
"Interior condition is generally acceptable and 'move-in ready' as claimed; no visible interior photos were provided.",
"Smoke/CO detectors, GFCI outlets, electrical panel condition, hot water heater, and bedroom egress windows are unknown and require inspection; absence of interior photos increases uncertainty.",
"Accessory shed is a non-permanent/storage structure and not required to meet primary dwelling inspection standards, but its condition may trigger HCV concerns if used as habitable space.",
"No visible signs of major foundation movement, active roof leaks, collapsed ceilings, or severe mold on exterior imagery, so none are assumed present."
],
"overall_score": 74.0,
"rubric_version": "nsprite-2026-v1"
},
{
"summary": "Based on exterior photos and the listing (roof and HVAC replaced within 5 years, front windows updated), this 3-bed, 1.5-bath brick/siding home appears likely to pass a Section 8/HCV initial NSPIRE inspection after standard pre-move-in checks and minor repairs. Primary risks are unverified interior safety items (smoke/CO detectors, GFCI outlets, electrical panel, hot water), cracked/uneven concrete trip hazards at driveway/carport, and a deteriorated shed/outbuilding that may need removal or repair. Budgeting for deck refinishing, concrete patching, and verification/installation of required detectors/outlet protection should make the property rent-ready within ~2–4 weeks if interiors are in similar condition to exteriors.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a well-maintained brick/siding home with a tidy yard, painted deck and intact railings. Visible deferred items: cracked driveway/carport slab, wear on deck paint and minor concrete step wear, and a deteriorated standalone outbuilding/shed (peeling/mildew and makeshift steps). Listing notes roof and HVAC replaced within 5 years which reduces risk. No interior photos provided so cosmetic/finish issues inside are unknown. Missing appliances cannot be confirmed from photos; exterior condition indicates only minor-to-moderate repair work likely."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "Exterior safety elements mostly present: front and deck railings/guardrails visible, fenced yard, covered carport. No visible exposed electrical hazards from exterior images. Potential trip hazards from cracked/uneven concrete at driveway/carport and the shed steps. No interior views to confirm required items (smoke detectors, CO alarms, GFCI in kitchen/baths, working hot water, electrical panel clearance). Entry has a metal security/storm door which suggests secure entry, and bedroom egress windows appear likely at front windows. Given listing claims recent HVAC/roof, life-threatening hazards are not evident from exteriors, but missing interior safety devices are the main inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 72.0,
"rationale": "Listing states roof and HVAC updated in last five years and roof appears in serviceable condition in photos. Gutters and downspouts present. No visible evidence of active roof leaks, significant foundation movement or major drainage problems. Electrical panel, water heater and plumbing integrity cannot be confirmed from photos. Concrete cracks may indicate localized settlement but not clear structural movement. On-balance systems appear functional but require interior verification (electrical, water heater, GFCI, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Fenced lot, maintained landscaping and a usable deck/carport are positive. Siding and brick masonry appear intact. Driveway and carport have notable cracking and uneven concrete creating trip hazards. The outbuilding is weathered and stained; likely needs remediation or demolition. Overall yard drainage appears adequate; no standing water visible. Property is tidy with no obvious infestation signs in photos."
}
],
"red_flags": [
"Deteriorated standalone outbuilding/shed with visible mildew, peeling siding and makeshift steps (possible safety/structural concern or unpermitted living space).",
"Cracked and uneven concrete at driveway/carport and carport slab seam creating trip hazards that should be repaired prior to tenancy."
],
"confidence": 0.6,
"assumptions": [
"Interior condition (floors, walls, fixtures, appliances) is not visible; assume generally serviceable because listing advertises 'move-in ready' and updates.",
"Roof and HVAC were actually replaced/serviced within last five years as stated in listing and are operational.",
"Water heater, plumbing and hot water are present and functioning unless otherwise found on inspection.",
"No active interior mold, major plumbing leaks, collapsed ceilings, or exposed subfloor exist since no exterior signs of severe water intrusion or roof failure are visible.",
"Front windows replacement referenced in listing applies to the visible front window bank; other windows may be older.",
"The outbuilding/shed is non-habitable storage and not used as a separate residence; it will be treated as an exterior site element requiring remediation if necessary.",
"No evidence of major foundation movement or structural sagging was observed in exterior photos; assume foundation is serviceable until a closer inspection."
],
"overall_score": 74.0,
"rubric_version": "nsPIRE_v1_img_assess_2026-02"
},
{
"summary": "From exterior photos and the listing, this brick ranch appears broadly move-in ready with recent roof/HVAC and new front windows claimed. Observable issues are mostly cosmetic and site-level (deck paint/wear, cracked driveway, weathered outbuilding). No visible structural sagging, active roof failure, or standing water. Key NSPIRE interior items (smoke/CO detectors, GFCI, egress windows, hot water, electrical panel) are not visible in the photos and represent the primary inspection risk. Overall likelihood to pass an initial HCV/NSPIRE inspection is good with minor corrections likely required (install/verify detectors, GFCI, patch concrete, deck maintenance); expect rent-ready within 30 days if interior systems and detectors are present/functional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Exterior photos show a generally well-maintained single-story brick home with fresh-looking painted deck and neat landscaping. Observable cosmetic issues: deck paint wear and weathering, cracked driveway/concrete, worn concrete steps, and the freestanding outbuilding/shed shows siding dirt/mildew and uneven steps. No visible collapsed surfaces, broken windows, or substantial exterior decay. Missing interior photos prevent assessment of interior cosmetic condition; listing claims move-in ready. Missing appliances not observable — treated as moderate issue only. Overall: mostly cosmetic and minor repairs likely (deck boards, concrete patching, shed cleanup) — no major rehab visible."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "Exterior inspection finds secure entry (metal screen/security door visible) and handrails on front porch and deck. Guardrails appear present around deck. No visible exposed electrical wiring on building exterior; overhead utility lines present but typical for neighborhood. Gutters and downspouts in place. No visible standing water, roof sagging, or foundation displacement in photos. Critical interior items required by NSPIRE (smoke detectors properly located, carbon monoxide alarms if required, GFCI in kitchen/baths, operable egress windows in bedrooms, electrical panel condition) are not shown — this uncertainty reduces score. No obvious life-threatening hazards are visible from exterior, but interior unknowns (detectors, GFCI, plumbing fixtures, hot water) present potential inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Listing states roof and HVAC were updated within last five years; exterior roof appears intact with no visible sagging or missing large swaths of shingles. An outdoor HVAC condenser is suggested in photos near the deck area. Gutters/downspouts appear functional. No water stains or roof leaks visible from exterior. Electrical service and panel are not shown; water heater/plumbing not visible. Given the seller claim of recent HVAC/roof work and lack of visible system distress, reasonable to assume systems are in fair-to-good condition, but interior verification is needed for plumbing, hot water, electrical panel, and GFCI receptacles."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 75.0,
"rationale": "Yard is fenced with chain-link, gates present, and appears level with good drainage away from house in photos. Brick veneer and lower siding look intact; new front windows claimed and appear in photos. Carport structure and covered patio look serviceable though concrete slab shows cracks. The shed/outbuilding sits on a slab and appears weathered (dirty siding and small steps) — likely non-habitable storage but could require repair or removal. Driveway has cracking but is serviceable. No visible evidence of pest infestation, large foundation cracks, active standing water, or severe erosion."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statement that roof and HVAC were updated within last five years is accurate and systems are operational.",
"Interior condition (walls, floors, plumbing fixtures, presence of smoke/CO detectors, GFCI outlets, operable hot water) was not shown; assume typical fair condition but unknown without interior photos/inspection.",
"Bedrooms have code-compliant egress windows; this could not be confirmed from exterior photos.",
"Front entry security door likely has a locking device; presence of a deadbolt on primary entry door is assumed but not confirmed.",
"The small freestanding outbuilding is storage (non-habitable) and not a dwelling unit; any electrical in it may need separate inspection.",
"No evidence of major termite, mold, or water intrusion visible from provided photos; however hidden issues could exist behind finishes."
],
"overall_score": 71.0,
"rubric_version": "nsprise-2024-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1409 66th St W, Birmingham, AL, 35228",
"aggregate": {
"summary": "Based on exterior photos and the listing (roof and HVAC updated within five years), this single-family home appears to be in generally good condition and would likely pass an initial HCV/NSPIRE inspection after a short, focused list of minor repairs and verifications. Primary actions before leasing: confirm working smoke and CO detectors, verify GFCI protection in kitchen/bath, confirm hot water and HVAC operation, repair/replace unsafe shed steps or remove shed if unpermitted, address driveway trip cracks, and refinish deck surfaces. No major structural or life-safety failures are visible from the provided images.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a well-maintained brick/vinyl home with updated front windows and generally tidy landscaping. Deck and railings are present but show surface wear and need refinishing; concrete driveway has visible cracking and a patched seam; detached accessory shed is weathered and uses cinderblock steps. No visible major exterior decay, peeling paint, or collapsed elements. Missing interior photos prevent verification of appliances and interior finishes; listing claims 'move-in ready' which supports a moderate-good condition rating. Missing appliances (unknown) considered moderate negative but not catastrophic."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 77.0,
"rationale": "Brick foundation and lower walls look solid with no visible major foundation cracks or sagging. Vinyl siding and new front windows look in good condition. Yard is fenced with secure chain-link, providing tenant safety. Deck and carport provide covered parking and usable outdoor space. Driveway has cracking (trip potential) and accessory shed is in poor cosmetic condition; landscaping is tidy but basic. Overall exterior envelope appears intact and well-maintained."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 68.3,
"rationale": "No visible severe safety hazards on exterior: porch and deck have railings, entry stairs have a metal railing, yard is fenced. Roof appears intact and gutters/downspouts present. Overhead utility lines are present but not uncommon. Primary concerns: accessory shed has makeshift steps and may present a trip/fall hazard; no interior photos to confirm smoke/CO detectors, GFCI outlets, electrical panel condition, hot water, or bedroom egress compliance. No visible exposed wiring or active water intrusion. Given exterior condition and listing claims (HVAC/roof updated) the property is a moderate risk for NSPIRE items that require interior confirmation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 71.3,
"rationale": "Listing states roof and HVAC updated within last 5 years; outdoor condenser/AC equipment appears present in photos. Roof shingles look serviceable in photos; gutters and downspouts intact. No interior photos to confirm water heater, plumbing leaks, electrical panel, or furnace operation, so score reflects good exterior evidence but uncertainty for unseen systems. Concrete carport and deck supports appear serviceable. No signs of standing water or roof sagging."
}
],
"red_flags": [
"Accessory shed in poor condition with makeshift (cinderblock) steps — potential safety/trip/fall hazard and possibly unpermitted",
"Driveway has noticeable cracking and a patched seam that could be a trip hazard",
"No interior photos provided — inability to confirm smoke/CO detectors, GFCI, electrical panel, hot water, and bedroom egress is an inspection risk"
],
"confidence": 0.93,
"assumptions": [
"Listing statement that roof and HVAC were updated within the last five years is accurate and systems are functional.",
"Interior condition is generally acceptable and 'move-in ready' as claimed; no visible interior photos were provided.",
"Smoke/CO detectors, GFCI outlets, electrical panel condition, hot water heater, and bedroom egress windows are unknown and require inspection; absence of interior photos increases uncertainty.",
"Accessory shed is a non-permanent/storage structure and not required to meet primary dwelling inspection standards, but its condition may trigger HCV concerns if used as habitable space.",
"No visible signs of major foundation movement, active roof leaks, collapsed ceilings, or severe mold on exterior imagery, so none are assumed present."
],
"score_method": "mean_of_criteria",
"overall_score": 72.7,
"rubric_version": "nsprite-2026-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8021146597"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.