Property ID: 8036083942
336 1st Ave, Graysville, AL, 35073
Graysville, AL
Money Down: $30,960
CoC Return: 12.81%
Monthly Cash Flow: $331
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,800
Closing Costs
$5,160
Total Down
$30,960
Investment Snapshot
Purchase Price
$129,000
Money Down
$30,960
Cash-on-Cash Return
12.81%
Rent
$1,294
Monthly Cash Flow
$331
Annual Cash Flow
$3,967
Debt Service / Mo
$687
Property Tax / Mo
$85
Insurance / Mo
$62
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,294
Payment Standard
$1,727
Rent
$1,294
Insurance
$62
Property Tax
$85
Management
$129
Utilities Allowance
$433
NOI (Monthly)
$1,017
Debt Service
$687
Cash Flow After Debt
$331
Quality Score: 74.50%
Confidence: 84.00%
Overall the property appears rentable for Section 8 with mostly minor repairs and verification steps. Interior renovation looks complete and tenant is in-place. Likely to pass an initial HCV/NSPIRE inspection after verifying presence/operation of smoke and CO detectors, confirming GFCI protection in kitchen and bathrooms, and addressing repairs to the enclosed porch/carport supports and skirting. Mechanical systems appear present (A/C condenser visible) but water heater, electrical panel and GFCI protection should be confirmed. Expect to be rent-ready within 2–4 weeks for items that require only small installations/repairs; if the enclosed-porch support issue requires structural repair, timeline could extend.
Section 8 Payment Standard
$1,727
Utility Allowance Total
$433
Guaranteed Section 8 Rent (PS - Utilities)
$1,294
Property Management
$129
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,000
Beds
4
Baths
2
Living Area
1,196 sqft
Lot Size
11,326 sqft
Year Built
1958
Days on Market
103
Capital Outlay
$30,960
Debt Service
$687
Property Tax / Mo
$85
Insurance / Mo
$62
Property Description
This renovated 4 bedroom, 2 bathroom house boasts modern paint, upgraded fixtures, granite countertops, and hardwood floors throughout. The house also features a carport, screened back porch, covered front porch, and a huge yard perfect for outdoor activities. With a storage area included, this house offers plenty of space for all your belongings. Investment property requires 48 hours to show. Currently under lease until 1/31/2026, current rent rate is $1175.
Utility Allowances
Heating
$119
Property has Central Heat. Assumed electric fuel type based on the explicitly stated electric water heater. 'Ala Power' was chosen as the most common and expensive electric option.
Cooling
$28
Property has 'Central Air' which is electric. 'Ala Power' was selected as the provider as it is the most common and expensive option.
Water Heating
$71
Property data explicitly lists an 'Electric Water Heater'. 'Ala Power' was selected as the provider for consistency.
Cooking
$26
Appliances are not listed as included. Assumed a tenant-provided electric stove, consistent with other electric utilities. 'Ala Power' was selected as the provider.
Other Electric
$87
This covers baseline electric usage for lights and other plug-in items. 'Ala Power' was selected as the provider for consistency with other electric utilities.
Refrigerator
$8
A refrigerator is not listed as an included appliance, so it is assumed to be tenant-provided.
Range/Microwave
$6
A microwave is not listed as an included appliance, so it is assumed to be tenant-provided.
Water
$88
Property data states 'Public Water' is the source. The 'Water: Graysville' option was selected based on the property's location.
Sewer
$0
Property data explicitly states the property uses a 'Septic Tank', so there is no monthly public sewer cost.
Trash Collection
$0
The property is located in Graysville. The schedule for 'Graysville ISCL' (Inside City Limits) has a $0 allowance, implying it may be included in taxes or provided by the city.
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$601
DP3 Annual Estimate$886
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$74
Replacement Value$73,500
Basis1,196 sqft / 1958
Nearby Houses
Photo unavailable
328 1st Ave NW
sold · 0.02 mi
Price: $79,900
3 bd / 2 ba · 1,523 sqft
Latest sale: $79,900 on Apr 26, 2019
Latest rent: —
Photo unavailable
335 1st Ave NW
for_sale · 0.04 mi
Price: $110,000
3 bd / 1 ba · 1,173 sqft
Latest sale: $112,000 on Nov 19, 2021
Latest rent: $1,350 on Feb 18, 2024
Photo unavailable
353 1st Ave NW
sold · 0.04 mi
Price: $102,000
2 bd / 1 ba · 720 sqft
Latest sale: $102,000 on Oct 26, 2021
Latest rent: $895 on Dec 14, 2023
Photo unavailable
342 Center Ave NW
sold · 0.08 mi
Price: $155,000
3 bd / 1 ba · 1,289 sqft
Latest sale: $155,000 on Apr 25, 2024
Latest rent: —
Photo unavailable
10 NW 3rd St
sold · 0.08 mi
Price: $151,500
4 bd / 2 ba · 1,293 sqft
Latest sale: $151,500 on Feb 18, 2022
Latest rent: —
Photo unavailable
362 Center Ave NW
sold · 0.09 mi
Price: $85,500
2 bd / 1 ba · 1,024 sqft
Latest sale: $85,500 on Aug 04, 2021
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Possible settlement / unstable support under enclosed porch/carport — visible gaps and missing/settling cinder block supports at the corner (structural risk).
- Exposed / missing skirting under the enclosed porch/addition with open crawlspace access (pest/moisture hazard).
- Smoke/CO detector coverage and GFCI protection in kitchen/baths not documented in photos and must be verified prior to inspection.
Assumptions
- Interior plumbing, hot water and electrical are functional because the property is currently occupied and listed as renovated.
- Central HVAC is present and operational (condenser visible outside).
- Kitchen appliances may be present in the unit despite not being shown in photos; missing appliances would be easy-to-fix capital items.
- No active roof leaks exist; metal roof appears recent and intact in photos.
- Smoke detector(s) exist (one ceiling device is visible) but full coverage and CO detector locations are not confirmed and should be verified.
- No significant concealed mold or major hidden structural issues beyond the visible porch/addition support settlement are present, based on overall good interior condition; however the visible support gaps raise risk of hidden issues under that addition.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $996 | $85,500 | $17,100 |
| 2023 | $996 | $85,500 | $17,100 |
| 2022 | $759 | $65,100 | $13,020 |
| 2021 | $729 | $62,600 | $12,520 |
| 2013 | $360 | $70,900 | $7,100 |
| 2012 | $360 | $70,900 | $7,090 |
| 2011 | $366 | $72,000 | $7,200 |
| 2010 | $366 | $72,000 | $7,200 |
| 2009 | $366 | $72,000 | $7,200 |
| 2008 | $381 | $73,700 | $7,370 |
| 2007 | $386 | $74,500 | $7,450 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-08-28 | Sold | $128,500 |
| 2023-07-14 | Sold | $110,000 |
| 2022-02-04 | Sold | $138,000 |
| 2021-11-04 | Sold | $90,000 |
| 2021-09-22 | Sold | $48,750 |
| 2021-03-16 | Sold | $46,522 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-12-20 | Listed for rent | $1,195 | — |
| 2021-12-18 | Listed for rent | $1,055 | — |
Photo Gallery
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{
"date": "2025-11-05",
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"status": "for_sale",
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"list_price": 129000,
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"source_name": "GreaterAlabamaMLS",
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"price_change_percentage": "+50.88%"
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{
"date": "2025-01-18",
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"status": "off_market",
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"list_price": 1175,
"listing_id": "2976576567",
"last_update_date": "2025-01-03T23:10:11Z",
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{
"date": "2025-01-04",
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"last_update_date": "2025-01-03T23:10:11Z",
"last_status_change_date": "2025-01-18T00:25:47Z"
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"event_name": "Price Changed for rent",
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{
"date": "2024-12-21",
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"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1175,
"listing_id": "2976576567",
"last_update_date": "2025-01-03T23:10:11Z",
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"event_name": "Listed for rent",
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{
"date": "2023-09-14",
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{
"date": "2023-08-28",
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{
"date": "2023-07-14",
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"price_change": 0,
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{
"date": "2022-02-04",
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"source_name": "Public Record",
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{
"date": "2021-12-23",
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"status": "off_market",
"list_date": "2021-12-18T09:46:08Z",
"list_price": 1055,
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"last_update_date": "2021-12-23T10:32:53Z",
"last_status_change_date": "2021-12-23T11:21:45Z"
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"event_name": "Listing removed",
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"source_name": "GreaterAlabamaMLS",
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{
"date": "2021-12-18",
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"source_name": "GreaterAlabamaMLS",
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{
"date": "2021-11-04",
"price": 90000,
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"source_name": "Public Record",
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{
"date": "2021-09-22",
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"listing": {
"status": "sold",
"list_date": "2022-02-20T04:28:09Z",
"list_price": 49900,
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"last_update_date": "2021-09-24T14:58:18Z",
"last_status_change_date": "2022-02-20T04:28:09Z"
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"source_name": "GreaterAlabamaMLS",
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"days_after_listed": null,
"source_listing_id": "1283608",
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],
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}
},
"rmn_listing_attribution": false
},
"property_id": "8036083942",
"generated_at": "2026-02-16T02:04:04.108576Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 74.5
},
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"zip_code": "35073",
"home_photo": "https://ap.rdcpix.com/d915eca4e0ce60a61d8a2449a710a6e5l-m20387832s-w1280.jpg",
"rent_price": 1294.0,
"loan_amount": 103200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/336-1st-Ave-NW_Graysville_AL_35073_M80360-83942",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 129000.0,
"loan_term_years": 30,
"annual_cash_flow": 12205.82,
"mortgage_monthly": 686.59,
"payment_standard": 1727.0,
"total_amount_out": 25800.0,
"additional_photos": [
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"https://ap.rdcpix.com/d915eca4e0ce60a61d8a2449a710a6e5l-m3113586259s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 61.96,
"monthly_cash_flow": 1017.15,
"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 Central Heat. Assumed electric fuel type based on the explicitly stated electric water heater. 'Ala Power' was chosen as the most common and expensive electric option.",
"utility": "Heating",
"allowance": 119
},
{
"note": "Property has 'Central Air' which is electric. 'Ala Power' was selected as the provider as it is the most common and expensive option.",
"utility": "Cooling",
"allowance": 28
},
{
"note": "Property data explicitly lists an 'Electric Water Heater'. 'Ala Power' was selected as the provider for consistency.",
"utility": "Water Heating",
"allowance": 71
},
{
"note": "Appliances are not listed as included. Assumed a tenant-provided electric stove, consistent with other electric utilities. 'Ala Power' was selected as the provider.",
"utility": "Cooking",
"allowance": 26
},
{
"note": "This covers baseline electric usage for lights and other plug-in items. 'Ala Power' was selected as the provider for consistency with other electric utilities.",
"utility": "Other Electric",
"allowance": 87
},
{
"note": "A refrigerator is not listed as an included appliance, so it is assumed to be tenant-provided.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as an included appliance, so it is assumed to be tenant-provided.",
"utility": "Range/Microwave",
"allowance": 6
},
{
"note": "Property data states 'Public Water' is the source. The 'Water: Graysville' option was selected based on the property's location.",
"utility": "Water",
"allowance": 88
},
{
"note": "Property data explicitly states the property uses a 'Septic Tank', so there is no monthly public sewer cost.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "The property is located in Graysville. The schedule for 'Graysville ISCL' (Inside City Limits) has a $0 allowance, implying it may be included in taxes or provided by the city.",
"utility": "Trash Collection",
"allowance": 0
}
],
"cash_on_cash_return": 0.47,
"down_payment_amount": 25800.0,
"property_tax_annual": 1025.88,
"property_tax_monthly": 85.49,
"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": 3966.71,
"property_management_monthly": 129.4,
"monthly_cash_flow_after_debt": 330.56,
"cash_on_cash_return_after_debt": 0.15
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears rentable for Section 8 with mostly minor repairs and verification steps. Interior renovation looks complete and tenant is in-place. Likely to pass an initial HCV/NSPIRE inspection after verifying presence/operation of smoke and CO detectors, confirming GFCI protection in kitchen and bathrooms, and addressing repairs to the enclosed porch/carport supports and skirting. Mechanical systems appear present (A/C condenser visible) but water heater, electrical panel and GFCI protection should be confirmed. Expect to be rent-ready within 2–4 weeks for items that require only small installations/repairs; if the enclosed-porch support issue requires structural repair, timeline could extend.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos and listing show a recently renovated interior (new paint, upgraded fixtures, laminate hardwood floors) and generally clean living spaces. Exterior paint and metal roof appear in good condition. Observable repair needs are limited to cosmetic items and the enclosed porch/carport skirting: lattice and paneling show wear and the enclosed-porch addition has visible gaps and missing/settling block supports at the corner which will require repair. No severe interior deterioration (collapsed ceilings, exposed subfloor) is visible. Missing appliances are not shown in photos but listing claims renovation; absence of visible stove/fridge reduces score slightly but not heavily."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 70.0,
"rationale": "Most visible safety items appear acceptable: entry stairs have handrails, windows are present in bedrooms for egress, exterior appears free of standing water and major roof leaks are not visible (metal roof). A round ceiling device visible in one room is likely a smoke detector, but smoke/CO detector coverage is not fully documented in the photos. No exposed live wiring is obvious from exterior pictures; electrical meter/panel not shown. GFCI outlets in kitchen/bath are not visible in photos. The primary safety concern is the enclosure/carport supports with gaps that expose the crawlspace and could present pest/moisture issues or trip hazards. Overall moderate code risk but likely correctable without major structural rehab if detectors and GFCI are verified/added."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "An exterior A/C condenser is visible indicating central HVAC likely present; metal roof looks intact and appears recently installed. Interior photos show modern finishes but do not show water heater, electrical panel, plumbing fixtures, or stove/fridge. Because the house was renovated and is currently rented, it is reasonable to infer functioning mechanicals, but age of home (1958) and lack of visible system documentation reduce the score. The enclosed-addition support condition could indicate localized structural settlement affecting mechanical runs under the addition—further inspection recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Large yard, sidewalks and walkways are present though show minor cracking and leaf cover. Siding and painted exterior look serviceable; metal roof appears in good shape. The carport/enclosed-porch shows deterioration at the base and missing or settling masonry/block supports at a corner; lattice skirting and paneling need repair. Driveway/parking appears workable. No visible standing water, heavy erosion, or major foundation collapse, but the localized support issues at the addition lower the exterior/site rating."
},
{
"key": "rental_history_activity",
"label": "Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Possible settlement / unstable support under enclosed porch/carport — visible gaps and missing/settling cinder block supports at the corner (structural risk).",
"Exposed / missing skirting under the enclosed porch/addition with open crawlspace access (pest/moisture hazard).",
"Smoke/CO detector coverage and GFCI protection in kitchen/baths not documented in photos and must be verified prior to inspection."
],
"confidence": 0.75,
"assumptions": [
"Interior plumbing, hot water and electrical are functional because the property is currently occupied and listed as renovated.",
"Central HVAC is present and operational (condenser visible outside).",
"Kitchen appliances may be present in the unit despite not being shown in photos; missing appliances would be easy-to-fix capital items.",
"No active roof leaks exist; metal roof appears recent and intact in photos.",
"Smoke detector(s) exist (one ceiling device is visible) but full coverage and CO detector locations are not confirmed and should be verified.",
"No significant concealed mold or major hidden structural issues beyond the visible porch/addition support settlement are present, based on overall good interior condition; however the visible support gaps raise risk of hidden issues under that addition."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely turnkey for a Housing Choice Voucher (Section 8) initial inspection. Interior renovations are recent and attractive (flooring, paint, fixtures) and major systems (roof, visible HVAC condenser) appear present and serviceable. The most significant visible concern is the attached screened/enclosed rear structure with missing skirting, exposed piers and localized foundation/support deterioration — this is a moderate exterior structural risk that should be addressed prior to inspection. Verify GFCI protection in kitchen/baths, CO alarm if required, and electrical panel condition; these are not visible in photos but are commonly required NSPIRE items. With minor exterior repairs and verification of alarms/GFCI/hot water, the home is likely to pass an initial inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently renovated: new-looking vinyl plank flooring, fresh paint, trim, and modern light fixtures. No visible interior water stains or collapsed ceilings in photos. Exterior paint and porch finish show wear but are serviceable. Missing/skewed skirting and visible deterioration at the attached screened/enclosed rear structure are the main repair items. Listing indicates the unit is renovated and currently leased which supports the observed interior condition. Overall deficiencies appear cosmetic and limited to localized exterior elements rather than major interior rehabs."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 85.0,
"rationale": "Photos show functioning exterior entry with solid door and porch guardrail; stairs have handrails. A round ceiling device visible in hallway/bedroom photos is consistent with a smoke detector (present). No visible exposed wiring, active water intrusion, collapsed ceilings, or major trip hazards in pictured areas. Egress windows are present in bedrooms. Unknowns: GFCI in kitchen/bath not visible, carbon monoxide alarm not shown, and electrical panel condition not photographed. Given the leased/renovated status and visible detectors, the property appears low risk for immediate life-safety failures but requires verification of GFCI and CO alarms at inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 75.0,
"rationale": "Metal roof appears in good visual condition with no visible sagging or active leaks. An outdoor HVAC condenser is visible indicating central AC presence. Interior photos show no signs of plumbing leaks or water damage. Electrical meter/conduit visible at side of house though the service panel is not photographed. Water heater and furnace locations are not shown. Given overall recent interior renovation and visible condenser, systems likely functional but unverified; the enclosed rear structure shows foundation/underpinning issues that could affect localized drainage or mechanical routing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large yard, concrete walkways to front porch, and covered carport present. Front porch, steps and railings intact. However, the attached screened/enclosed rear structure exhibits missing skirting, exposed block piers and a gap under a corner with visible separation — indicating settlement/poor support or missing foundational enclosure. The back fence and some exterior trim show age. Walkways have minor cracking and yard maintenance will be required. These exterior deficits raise medium risk for pest entry, moisture, and future repair needs."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Occupancy (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Visible foundation/support damage and missing skirting under the attached screened/enclosed rear structure — gap and separation at corner suggests settlement or failed support.",
"Open/accessible crawlspace or void beneath the rear enclosure that could allow pest entry, moisture intrusion, or create subfloor issues.",
"No photographic verification of GFCI protection in kitchen/bath or of an installed CO alarm (required where applicable) — must be verified before inspection.",
"Property built in 1958 — potential lead-based paint hazard requires disclosure and possible remediation/testing prior to occupancy of vulnerable households."
],
"confidence": 0.6,
"assumptions": [
"Interior photos represent current condition throughout the unit and renovations are recent and complete.",
"Central HVAC is operational (outdoor condenser visible) and provides heating/cooling; hot water is available and working.",
"Smoke detectors are installed (visual device observed in bedroom/hallway photo).",
"Kitchen and bathroom plumbing fixtures are functioning (not pictured in detail).",
"Kitchen appliances may be present or provided by landlord; missing appliances alone will not be treated as immediate safety failures.",
"Electrical service is intact and the service panel is present and labeled (not photographed).",
"No evidence of active roof leaks or major interior water damage beyond what photos show.",
"Lead-based paint risk exists due to 1958 construction — standard lead disclosure/testing required; no visible chipping/peeling paint in photos but not fully verifiable."
],
"overall_score": 79.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property is in good, mostly renovated condition with a new-looking roof, functional HVAC, and updated interior finishes — likely to pass a Section 8 (HCV/NSPIRE) inspection after addressing a few verification items (GFCI/CO detectors, confirm appliances, water heater and electrical panel). The primary risk is a deteriorated screened carport/addition that shows foundation/skirt separation and will require repair or closer evaluation before inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently renovated: new paint, trim, laminate floors, modern fixtures and visible smoke detector. No visible collapsed ceilings, major drywall damage, or large stains. Exterior shows cosmetic wear (bushes, fence, concrete walk) and the screened carport/addition shows localized damage and missing skirting at the corner. Listing claims granite counters and upgrades but photos do not show kitchen appliances. Overall mostly cosmetic and moderate localized repairs only."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 72.0,
"rationale": "A smoke detector is visible on an interior ceiling; entry doors have functioning hardware. No exposed wiring visible in photos; outlets have covers. Handrails/guardrails present on front and rear steps. Bedroom windows appear to be full-size (likely egress) but egress compliance, GFCI presence in kitchen/baths, carbon monoxide detector (if required), electrical panel condition, and hot water/operational plumbing cannot be confirmed from photos. No visible mold, active leaks, or major trip hazards. Because several required elements cannot be verified remotely, moderate risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Plumbing, Electrical)",
"score": 75.0,
"rationale": "Metal roof appears in good condition from exterior photos (no visible sagging or missing panels). An exterior HVAC condenser is present indicating central HVAC, reducing heating/cooling risk. Electrical panel and water heater are not pictured so their condition cannot be confirmed. The screened carport addition shows foundation/piers and skirt deterioration which may indicate localized foundation/support issues for that addition. No visible standing water or roof leaks in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Main house exterior paint and siding look intact. Large yard, walkways, covered front porch and carport exist. Concrete walk has minor cracking and landscaping is overgrown. The screened addition/carport shows deterioration: skirt separation, exposed block piers, and damaged siding at a corner which is a localized structural/site concern. Fence and some outbuildings show wear but no active hazards visible in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Structural/settlement concerns at screened carport/addition: visible skirt separation, exposed block piers and damaged corner that suggest support deterioration.",
"Unverified critical items that commonly cause inspection failure: presence/function of GFCI outlets in kitchen/bath, water heater operation, and electrical panel condition not shown.",
"Property built in 1958 — potential lead-based paint risk exists unless proven otherwise; no documentation of remediation or lead-safe work practices provided."
],
"confidence": 0.62,
"assumptions": [
"Interior renovations shown are representative of the whole unit (kitchen and bathrooms finished as described), but kitchen appliances (stove/fridge) are not visible in photos — assume basic appliances are present under current lease.",
"Central HVAC is functional because an exterior condenser is present; no documentation of age/last service was provided.",
"Smoke detector visible is functioning; additional detectors/CO alarm presence cannot be confirmed and may be required depending on fuel type.",
"Windows shown in bedrooms are assumed to meet egress size but exact dimensions were not measured.",
"No active roof leaks or interior water damage exist beyond what is visible in photos.",
"Electrical panel, GFCI protection in kitchen/baths, and hot water heater operation were not photographed and therefore assumed serviceable but unverified.",
"The screened carport is an older addition with localized structural/support deterioration limited to the addition and not necessarily indicative of the main house foundation."
],
"overall_score": 74.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "336 1st Ave, Graysville, AL, 35073",
"aggregate": {
"summary": "Overall the property appears rentable for Section 8 with mostly minor repairs and verification steps. Interior renovation looks complete and tenant is in-place. Likely to pass an initial HCV/NSPIRE inspection after verifying presence/operation of smoke and CO detectors, confirming GFCI protection in kitchen and bathrooms, and addressing repairs to the enclosed porch/carport supports and skirting. Mechanical systems appear present (A/C condenser visible) but water heater, electrical panel and GFCI protection should be confirmed. Expect to be rent-ready within 2–4 weeks for items that require only small installations/repairs; if the enclosed-porch support issue requires structural repair, timeline could extend.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos and listing show a recently renovated interior (new paint, upgraded fixtures, laminate hardwood floors) and generally clean living spaces. Exterior paint and metal roof appear in good condition. Observable repair needs are limited to cosmetic items and the enclosed porch/carport skirting: lattice and paneling show wear and the enclosed-porch addition has visible gaps and missing/settling block supports at the corner which will require repair. No severe interior deterioration (collapsed ceilings, exposed subfloor) is visible. Missing appliances are not shown in photos but listing claims renovation; absence of visible stove/fridge reduces score slightly but not heavily."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Large yard, sidewalks and walkways are present though show minor cracking and leaf cover. Siding and painted exterior look serviceable; metal roof appears in good shape. The carport/enclosed-porch shows deterioration at the base and missing or settling masonry/block supports at a corner; lattice skirting and paneling need repair. Driveway/parking appears workable. No visible standing water, heavy erosion, or major foundation collapse, but the localized support issues at the addition lower the exterior/site rating."
},
{
"key": "rental_history_activity",
"label": "Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 75.7,
"rationale": "Most visible safety items appear acceptable: entry stairs have handrails, windows are present in bedrooms for egress, exterior appears free of standing water and major roof leaks are not visible (metal roof). A round ceiling device visible in one room is likely a smoke detector, but smoke/CO detector coverage is not fully documented in the photos. No exposed live wiring is obvious from exterior pictures; electrical meter/panel not shown. GFCI outlets in kitchen/bath are not visible in photos. The primary safety concern is the enclosure/carport supports with gaps that expose the crawlspace and could present pest/moisture issues or trip hazards. Overall moderate code risk but likely correctable without major structural rehab if detectors and GFCI are verified/added."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 71.7,
"rationale": "An exterior A/C condenser is visible indicating central HVAC likely present; metal roof looks intact and appears recently installed. Interior photos show modern finishes but do not show water heater, electrical panel, plumbing fixtures, or stove/fridge. Because the house was renovated and is currently rented, it is reasonable to infer functioning mechanicals, but age of home (1958) and lack of visible system documentation reduce the score. The enclosed-addition support condition could indicate localized structural settlement affecting mechanical runs under the addition—further inspection recommended."
}
],
"red_flags": [
"Possible settlement / unstable support under enclosed porch/carport — visible gaps and missing/settling cinder block supports at the corner (structural risk).",
"Exposed / missing skirting under the enclosed porch/addition with open crawlspace access (pest/moisture hazard).",
"Smoke/CO detector coverage and GFCI protection in kitchen/baths not documented in photos and must be verified prior to inspection."
],
"confidence": 0.84,
"assumptions": [
"Interior plumbing, hot water and electrical are functional because the property is currently occupied and listed as renovated.",
"Central HVAC is present and operational (condenser visible outside).",
"Kitchen appliances may be present in the unit despite not being shown in photos; missing appliances would be easy-to-fix capital items.",
"No active roof leaks exist; metal roof appears recent and intact in photos.",
"Smoke detector(s) exist (one ceiling device is visible) but full coverage and CO detector locations are not confirmed and should be verified.",
"No significant concealed mold or major hidden structural issues beyond the visible porch/addition support settlement are present, based on overall good interior condition; however the visible support gaps raise risk of hidden issues under that addition."
],
"score_method": "mean_of_criteria",
"overall_score": 74.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8036083942"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.