Property ID: 8061230230
5005 42nd Pl N, Birmingham, AL, 35217
Birmingham, AL
Money Down: $28,776
CoC Return: 3.45%
Monthly Cash Flow: $83
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
3.45%
Rent
$903
Monthly Cash Flow
$83
Annual Cash Flow
$992
Debt Service / Mo
$638
Property Tax / Mo
$34
Insurance / Mo
$58
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$903
Payment Standard
$1,419
Rent
$903
Insurance
$58
Property Tax
$34
Management
$90
Utilities Allowance
$516
NOI (Monthly)
$721
Debt Service
$638
Cash Flow After Debt
$83
Quality Score: 75.30%
Confidence: 94.00%
This 3BR/2BA craftsman bungalow appears largely move‑in ready with recent interior cosmetic updates, functioning kitchen appliances and laundry, intact porch/railings, and no visible immediate life‑safety hazards. Primary inspection risks are items that cannot be confirmed from listing photos: presence and operation of smoke and CO detectors, GFCI protection in kitchen/baths, and the condition/age of major mechanical equipment (furnace/AC, water heater, electrical panel). Exterior risks are moderate — mature trees overhang the roof and vegetation encroaches on the envelope and driveway. If detectors, GFCI, HVAC operation and electrical panel check out on an in‑person inspection, the property should pass an initial HCV/NSPIRE inspection after addressing minor site cleanup and any missing outlet covers or touch‑ups (turnkey with ~1–30 days of minor work).
Section 8 Payment Standard
$1,419
Utility Allowance Total
$516
Guaranteed Section 8 Rent (PS - Utilities)
$903
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
2
Living Area
1,570 sqft
Lot Size
6,970 sqft
Year Built
1930
Days on Market
220
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$34
Insurance / Mo
$58
Property Description
This move-in ready charmer is all ready to impress it's future owner! A spacious 3 bedroom 2 bath craftsman bungalow that offers plenty on the inside as well as a wide front porch and large back deck! Don't miss this opportunity to live minutes from downtown, while provided quick and easy access to I-20/59. Schedule your showing today!
Utility Allowances
Cooking
$21
Property details specify an electric oven ('Oven-Electric'). Alabama Power is the primary electric provider in the area, and this is the most expensive electric option.
Heating
$93
Property has central heat. Multiple appliances are listed as electric (water heater, oven, dryer hookup), indicating an all-electric home is most likely. Alabama Power is the main regional electric provider.
Cooling
$22
Property has central air conditioning, which is electric. Alabama Power is the main regional provider.
Water Heating
$56
Property details explicitly state 'Electric (WTRHTR)' for the water heater. Alabama Power is the main regional provider.
Water
$78
Property details state 'Public Water' and is located in Birmingham. The schedule has a specific allowance for the Birmingham water system.
Sewer
$151
Property details state 'Sewer: Connected'. The utility schedule provides a single fixed rate for sewer based on bedroom count.
Trash Collection
$27
The property's listed service area includes 'Tarrant'. As the exact provider is unclear and Tarrant City is a listed option, it was selected over the more general 'Jefferson City' option, being the more expensive choice as per the rules.
Other Electric
$68
This covers general electric use for lights and miscellaneous appliances. Alabama Power is the primary regional provider.
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$556
DP3 Annual Estimate$834
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$70
Replacement Value$51,100
Basis1,570 sqft / 1930
Nearby Houses
Photo unavailable
4224 50th Ave N
sold · 0.01 mi
Price: $96,600
3 bd / 1 ba · 1,326 sqft
Latest sale: $96,600 on Oct 01, 2025
Latest rent: —
Photo unavailable
5015 42nd Pl N
sold · 0.02 mi
Price: $87,500
3 bd / 2 ba · 1,500 sqft
Latest sale: $87,500 on Jun 09, 2023
Latest rent: $1,250 on Mar 13, 2025
Photo unavailable
5008 42nd Pl N
sold · 0.03 mi
Price: $42,500
3 bd / 3 ba · 1,800 sqft
Latest sale: $42,500 on Mar 07, 2017
Latest rent: —
Photo unavailable
5019 42nd Pl N
sold · 0.04 mi
Price: $73,500
3 bd / 1 ba · 876 sqft
Latest sale: $73,500 on Jun 09, 2022
Latest rent: $1,100 on Aug 22, 2024
Photo unavailable
4221 50th Ave N
sold · 0.04 mi
Price: $120,000
4 bd / 2 ba · 1,952 sqft
Latest sale: $120,000 on Oct 17, 2023
Latest rent: $1,100 on Jan 18, 2023
Photo unavailable
5012 N 42nd Pl
sold · 0.04 mi
Price: $52,000
2 bd / 2 ba · 1,224 sqft
Latest sale: $52,000 on Nov 15, 2021
Latest rent: $900 on Jul 23, 2025
Photo unavailable
4208 50th Ave N
sold · 0.05 mi
Price: $67,500
3 bd / 1 ba · 1,104 sqft
Latest sale: $67,500 on Nov 14, 2025
Latest rent: $1,200 on Jan 02, 2026
Photo unavailable
4966 Brittain St
sold · 0.05 mi
Price: $145,000
3 bd / 2 ba · 2,432 sqft
Latest sale: $145,000 on Oct 10, 2025
Latest rent: —
Photo unavailable
4207 50th Ave N
sold · 0.06 mi
Price: $46,000
2 bd / 1 ba · 1,156 sqft
Latest sale: $46,000 on Jun 30, 2021
Latest rent: —
Photo unavailable
5005 43rd St N
sold · 0.07 mi
Price: $56,000
3 bd / 1 ba · 1,206 sqft
Latest sale: $56,000 on Jun 28, 2021
Latest rent: $1,000 on Jul 12, 2021
Photo unavailable
5021 43rd St N
sold · 0.08 mi
Price: $40,000
2 bd / 1 ba · 834 sqft
Latest sale: $40,000 on Sep 27, 2024
Latest rent: $625 on Oct 14, 2015
Photo unavailable
5021 41st Way N
off_market · 0.08 mi
Price: $35,000
2 bd / 1 ba · 1,088 sqft
Latest sale: $19,500 on Jan 23, 2013
Latest rent: $500 on Oct 22, 2015
Photo unavailable
4301 51st Ave N
sold · 0.09 mi
Price: $99,900
4 bd / 2 ba · 1,845 sqft
Latest sale: $99,900 on Mar 15, 2021
Latest rent: —
Photo unavailable
5029 41st Way N
sold · 0.09 mi
Price: $30,000
3 bd / 1 ba · 1,434 sqft
Latest sale: $30,000 on Oct 17, 2018
Latest rent: —
Photo unavailable
4937 Brittain St
sold · 0.09 mi
Price: $80,000
3 bd / 2 ba · 1,264 sqft
Latest sale: $80,000 on Oct 27, 2023
Latest rent: $1,450 on Dec 20, 2023
Photo unavailable
4945 Brittain St
sold · 0.10 mi
Price: $54,000
3 bd / 1 ba · 952 sqft
Latest sale: $54,000 on Feb 20, 2025
Latest rent: $1,200 on Jul 16, 2023
Photo unavailable
4953 Brittain St
sold · 0.10 mi
Price: $84,000
3 bd / 2 ba · 1,692 sqft
Latest sale: $84,000 on Aug 25, 2023
Latest rent: —
Photo unavailable
4166 51st Ave N
for_sale · 0.10 mi
Price: $85,000
3 bd / 1 ba · 1,408 sqft
Latest sale: $30,000 on Aug 06, 2010
Latest rent: $925 on Sep 19, 2023
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior appliances shown (stove, microwave, refrigerator, washer/dryer) are included and operational as photographed.
- Forced‑air heating/AC exists and is functional (inferred from floor register), though HVAC equipment and water heater were not photographed and their operability/age are assumed acceptable until verified.
- Smoke detectors and CO alarms are present and operational in key locations OR would be installed prior to inspection; their presence could not be fully confirmed in photos.
- Electrical panel condition, breaker labeling, and GFCI protection in kitchen/bathrooms are unverified from photos and assumed serviceable but require confirmation.
- Windows in main bedrooms meet egress requirements (based on size/appearance of primary bedroom windows), but secondary window sizes/egress should be confirmed on site.
- Foundation and crawlspace conditions are assumed stable because no obvious exterior settlement, sagging, or collapsed elements are visible in photos; hidden issues are possible given the 1930 build date.
- No visible active roof leaks or interior water stains were seen in photos; however tree proximity increases future leak risk and warrants roof/gutter inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $396 | $64,600 | $6,460 |
| 2023 | $396 | $64,600 | $6,460 |
| 2022 | $261 | $46,000 | $4,600 |
| 2021 | $293 | $50,400 | $5,040 |
| 2020 | $277 | $48,200 | $4,820 |
| 2019 | $730 | $50,400 | $5,040 |
| 2012 | $373 | $63,350 | $6,335 |
| 2011 | $380 | $64,400 | $6,440 |
| 2010 | $380 | $64,400 | $6,440 |
| 2009 | $380 | $64,400 | $6,440 |
| 2008 | $390 | $65,800 | $6,580 |
| 2007 | $377 | $63,900 | $6,390 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-05-09 | Sold | $81,000 |
| 2018-03-05 | Sold | $12,920 |
| 2017-11-29 | Sold | $13,600 |
Photo Gallery
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"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1994-12-19",
"price": 42900,
"listing": null,
"event_name": "Sold",
"price_sqft": 27.32484076433121,
"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": "8061230230",
"generated_at": "2026-02-16T03:14:27.392371Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 75.3
},
"utility_allowance": {
"zip_code": "35217",
"home_photo": "https://ap.rdcpix.com/b49870bb4efd7a06a8e07c6ddca8c2a5l-m3606227695s-w1280.jpg",
"rent_price": 903.0,
"loan_amount": 95920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/5005-42nd-Pl-N_Birmingham_AL_35217_M80612-30230",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 119900.0,
"loan_term_years": 30,
"annual_cash_flow": 8649.52,
"mortgage_monthly": 638.16,
"payment_standard": 1419.0,
"total_amount_out": 23980.0,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 57.92,
"monthly_cash_flow": 720.79,
"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 details specify an electric oven ('Oven-Electric'). Alabama Power is the primary electric provider in the area, and this is the most expensive electric option.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property has central heat. Multiple appliances are listed as electric (water heater, oven, dryer hookup), indicating an all-electric home is most likely. Alabama Power is the main regional electric provider.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has central air conditioning, which is electric. Alabama Power is the main regional provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property details explicitly state 'Electric (WTRHTR)' for the water heater. Alabama Power is the main regional provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Property details state 'Public Water' and is located in Birmingham. The schedule has a specific allowance for the Birmingham water system.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details state 'Sewer: Connected'. The utility schedule provides a single fixed rate for sewer based on bedroom count.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property's listed service area includes 'Tarrant'. As the exact provider is unclear and Tarrant City is a listed option, it was selected over the more general 'Jefferson City' option, being the more expensive choice as per the rules.",
"utility": "Trash Collection",
"allowance": 27
},
{
"note": "This covers general electric use for lights and miscellaneous appliances. Alabama Power is the primary regional provider.",
"utility": "Other Electric",
"allowance": 68
}
],
"cash_on_cash_return": 0.36,
"down_payment_amount": 23980.0,
"property_tax_annual": 407.88,
"property_tax_monthly": 33.99,
"property_tax_increase": 0.03,
"utility_allowance_total": 516.0,
"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": 991.62,
"property_management_monthly": 90.3,
"monthly_cash_flow_after_debt": 82.64,
"cash_on_cash_return_after_debt": 0.04
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/2BA craftsman bungalow appears largely move‑in ready with recent interior cosmetic updates, functioning kitchen appliances and laundry, intact porch/railings, and no visible immediate life‑safety hazards. Primary inspection risks are items that cannot be confirmed from listing photos: presence and operation of smoke and CO detectors, GFCI protection in kitchen/baths, and the condition/age of major mechanical equipment (furnace/AC, water heater, electrical panel). Exterior risks are moderate — mature trees overhang the roof and vegetation encroaches on the envelope and driveway. If detectors, GFCI, HVAC operation and electrical panel check out on an in‑person inspection, the property should pass an initial HCV/NSPIRE inspection after addressing minor site cleanup and any missing outlet covers or touch‑ups (turnkey with ~1–30 days of minor work).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking LVP flooring, freshly painted walls, updated countertops and painted cabinets. Kitchen appliances (stove, microwave, refrigerator) and laundry machines are present in photos. Porch and interior trim appear in good condition. Observable deferred maintenance is minor (some exterior vegetation/landscaping, driveway track wear). No visible collapsed surfaces, major drywall damage, or missing interior finishes. Missing / worn items are primarily cosmetic or small capital fixes."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 75.0,
"rationale": "No active life‑threatening hazards are visible in the photos: no collapsed ceilings, no standing water, no exposed large electrical wiring, and entryways and porches have guardrails. Front stairway has handrails. A floor/vent register is visible indicating forced‑air heat distribution. However several NSPIRE safety items cannot be fully confirmed from photos: smoke detectors and carbon monoxide detectors are not clearly shown throughout the unit (one small ceiling device appears in photos but coverage and operation are unconfirmed), GFCI outlet presence in kitchen/bath is not visible, and electrical panel location/condition is not shown. Mature trees overhang the roof (risk factor for future leaks) and some exterior vegetation is encroaching on the envelope. Given the lack of visible severe hazards but several unconfirmed code items, moderate safety risk remains until a walkthrough confirms detectors, GFCI, and panel."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 70.0,
"rationale": "Visible evidence suggests functional systems: kitchen appliances, washer/dryer, and forced‑air vents (floor register) are present. Roof shingles shown from aerial photos generally appear intact with no visible sagging or obvious open roof penetrations. Water heater, electrical panel, and HVAC equipment are not pictured so age/condition is unconfirmed. Because the house is a 1930 build, underlying systems may be older despite cosmetic renovations; absence of visible system failures supports a reasonable but cautious score pending verification of HVAC operation, water heater hot water, and electrical panel condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior envelope appears maintained: vinyl siding is intact, porch and porch railings are in good condition, and the rear deck has railings and looks serviceable. Foundation (brick/stone) shows no obvious major settlement or large cracks in provided photos. Site issues: lot slopes to the street, narrow driveway/track with vegetation encroachment, and mature trees close to/over the roofline (risks for gutters/shingles and debris). Some overgrowth along property edges should be cleared. Overall exterior is reasonable but needs routine site cleanup and a close inspection for guttering and flashing where trees interface with roof."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior appliances shown (stove, microwave, refrigerator, washer/dryer) are included and operational as photographed.",
"Forced‑air heating/AC exists and is functional (inferred from floor register), though HVAC equipment and water heater were not photographed and their operability/age are assumed acceptable until verified.",
"Smoke detectors and CO alarms are present and operational in key locations OR would be installed prior to inspection; their presence could not be fully confirmed in photos.",
"Electrical panel condition, breaker labeling, and GFCI protection in kitchen/bathrooms are unverified from photos and assumed serviceable but require confirmation.",
"Windows in main bedrooms meet egress requirements (based on size/appearance of primary bedroom windows), but secondary window sizes/egress should be confirmed on site.",
"Foundation and crawlspace conditions are assumed stable because no obvious exterior settlement, sagging, or collapsed elements are visible in photos; hidden issues are possible given the 1930 build date.",
"No visible active roof leaks or interior water stains were seen in photos; however tree proximity increases future leak risk and warrants roof/gutter inspection."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 1930 craftsman bungalow appears largely renovated and is close to turnkey for Section 8 tenancy. Interior finishes, kitchen, baths and laundry are updated and appliances are present. Primary inspection risks are missing/unclear documentation of smoke/CO detectors and GFCI protection, limited photographic evidence of HVAC, water heater and electrical panel condition, and exterior drainage/overhanging trees that could affect the roof and foundation over time. With a short onsite systems verification (smoke/CO installation if absent, GFCI checks, HVAC/water heater inspection) and minor exterior cleanup/trees management it would likely pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic renovation: new-looking vinyl plank floors, painted trim, refreshed kitchen cabinets, countertops, and stainless appliances (range, microwave, visible refrigerator edge). Bathrooms appear updated. Porch and railings are painted and intact. Minor deferred items visible: lattice under porch, some vegetation against foundation and weathering on rear deck boards. No visible large-scale interior damage, burned areas, or collapsed finishes. Missing appliances are not an issue here (washer/dryer present). Overall condition is good and only minor repairs/cosmetic work are likely required."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 70.0,
"rationale": "Many visible safety elements appear acceptable: exterior doors have security/storm doors and likely deadbolts, front and porch railings are present, concrete access stairs have metal handrails, bedroom windows are full-size and likely meet egress, no visible exposed wiring or damaged ceilings. Concerns/unknowns that reduce score: no clearly visible smoke detectors or carbon-monoxide alarms in listed interior photos (cannot confirm proper placement), GFCI receptacles in kitchen/bath not visible, electrical panel condition not shown, dryer vent connection and hot-water system not visible. Trees heavily overhang the roof (risk of falling limbs/debris). These uncertainties create inspection risk under NSPIRE though no immediate life-threatening hazards are pictured."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 65.0,
"rationale": "Roof from aerial photos appears to have modern shingles and no obvious large patches or sagging. Interior shows floor vents and new finishes suggesting functioning HVAC ducting; however, no outdoor condensing unit or furnace/water heater is pictured so system condition and age are assumed but not confirmed. Kitchen appliances, range and microwave are present and look functional; laundry machines present. Plumbing fixtures (kitchen sink, tub/shower) appear installed and intact but hot-water heater and visible plumbing connections were not photographed. Electrical panel, breaker labeling, and GFCI protection could not be verified. Because key mechanical components are not shown, score is moderate — systems likely functional but require on-site verification."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 70.0,
"rationale": "Exterior siding (vinyl) and foundation brick/stone appear intact with no obvious large cracks visible in photographs. Front porch and steps are in good condition. Rear deck shows normal weathering but appears structurally intact. Site concerns: steep front yard slope and a narrow side driveway/track with visible soil/rock exposure and vegetation suggest localized erosion/drainage toward foundation on the right side of the house; heavy trees overhang the roof which increases long-term roof risk. Chain-link fencing is present. Overall the envelope appears serviceable but drainage/erosion and tree management are items to address."
}
],
"red_flags": [
"No clearly visible smoke or carbon-monoxide detectors in interior photos (NSPIRE failure if absent).",
"Heavy tree canopy directly over house / limbs over roof (risk of damage to roof, gutters and future leaks).",
"Localized erosion / exposed soil/rock along the side driveway adjacent to foundation — potential drainage/foundation risk if not addressed."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is assumed present because floor registers are visible; no outdoor A/C condenser photographed.",
"Water heater and electrical panel exist but were not photographed; their condition is unknown.",
"Smoke and carbon-monoxide alarms are not visible in the photos and therefore assumed not verified; they may be present but not shown.",
"Kitchen and laundry appliances shown are functional unless otherwise determined by on-site testing.",
"No active roof leaks or interior water stains were photographed; assume roof is watertight based on aerial shingle condition though tree overhang increases future risk.",
"Lead-based paint risk is possible (house built 1930) but exterior and interior surfaces appear recently painted/encapsulated; lead risk not confirmed without testing."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3br/2ba craftsman bungalow appears largely move-in ready with cosmetic updates, intact porch/railings, functioning kitchen appliances (stove/microwave) and laundry. Main risks for an initial HCV/NSPIRE inspection are documentation/visibility of required safety devices (smoke detectors, GFCI outlets), and unknown condition/visibility of major mechanical systems (HVAC, water heater, electrical panel). Exterior vegetation management and minor deck maintenance are recommended. With quick verification/installation of smoke detectors, GFCI checks, and confirmation of HVAC and water heater operation, the property has a high likelihood of passing an initial Housing Choice Voucher inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos show recently painted interior, new-looking vinyl plank flooring, refurbished kitchen cabinets/countertops and working range/microwave. Porch and front steps appear structurally sound with intact railings. Rear deck looks weathered and would benefit from cleaning/sealing but is intact. No obvious interior water stains, collapsed ceilings, or exposed subfloor. Missing refrigerator is not evident in photos but absence of one would be an easy-to-fix appliance-level item. Overall cosmetic condition is good and only minor finish/cosmetic repairs or maintenance likely required."
},
{
"key": "safety_code",
"label": "Safety / Code Risks",
"score": 75.0,
"rationale": "No visible exposed wiring, no visible severe mold or active water intrusion in photos, front entry has a security/storm door and front stair handrail is present. Windows in bedrooms appear large enough for egress. Kitchen and bath fixtures appear functional. However smoke detectors and CO alarms are not visible in the photo set (required by NSPIRE), GFCI outlets (kitchen/bath) are not visible, and the electrical panel is not shown. Yard slope/stairs present trip/fall potential but handrails exist on main stairs. These unknowns reduce score moderately but there are no photographed life‑threatening hazards."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 65.0,
"rationale": "Roof shingles appear generally intact from aerial photos with no obvious sagging or major missing areas. Kitchen plumbing and laundry hookups are present and appear functional; washer and dryer are shown. No water heater or furnace/AC condenser is visible in the photos; HVAC presence/condition is unconfirmed. Electrical service/panel location and condition are not shown. Because major systems are not clearly documented in the images (particularly HVAC and water heater), there is a moderate inspection risk even though visible finishes are good."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Vinyl siding and brick/stone foundation look intact with no obvious large foundation cracks from photos. Front porch, railings and concrete stairs are serviceable. Chain-link fencing and backyard lawn are present. There is vegetation growing close to the foundation and mature trees overhang the roof (increased maintenance and roof/debris risk). Driveway/side yard shows narrow, vegetated strip and some erosion/overgrowth that should be cleared. No standing water or severe exterior structural distress is visible."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior photos are representative of the overall interior condition (no hidden collapsed ceilings or severe mold beyond what is pictured).",
"Kitchen appliances shown (range, microwave) are operational; refrigerator may not be present and would be an easy replacement if required by lease but is not a structural issue.",
"A functional water heater and heating/cooling system exist but are not visible in supplied photos; their presence/operation must be verified prior to inspection.",
"Smoke detectors and CO alarms are not visible in the photos; assume they may be missing or not shown and should be installed/verified per local code and NSPIRE prior to inspection.",
"Electrical service and panel location are not shown; assume standard service exists and no visible hazardous wiring exists inside photos, but panel and GFCI protection need verification.",
"Windows in bedrooms provide egress sized per typical code for single-family 1930 bungalow style homes (appears adequate in photos).",
"No active roof leaks or major foundation movement are present based on exterior and interior images (no stain patterns or sagging observed)."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5005 42nd Pl N, Birmingham, AL, 35217",
"aggregate": {
"summary": "This 3BR/2BA craftsman bungalow appears largely move‑in ready with recent interior cosmetic updates, functioning kitchen appliances and laundry, intact porch/railings, and no visible immediate life‑safety hazards. Primary inspection risks are items that cannot be confirmed from listing photos: presence and operation of smoke and CO detectors, GFCI protection in kitchen/baths, and the condition/age of major mechanical equipment (furnace/AC, water heater, electrical panel). Exterior risks are moderate — mature trees overhang the roof and vegetation encroaches on the envelope and driveway. If detectors, GFCI, HVAC operation and electrical panel check out on an in‑person inspection, the property should pass an initial HCV/NSPIRE inspection after addressing minor site cleanup and any missing outlet covers or touch‑ups (turnkey with ~1–30 days of minor work).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking LVP flooring, freshly painted walls, updated countertops and painted cabinets. Kitchen appliances (stove, microwave, refrigerator) and laundry machines are present in photos. Porch and interior trim appear in good condition. Observable deferred maintenance is minor (some exterior vegetation/landscaping, driveway track wear). No visible collapsed surfaces, major drywall damage, or missing interior finishes. Missing / worn items are primarily cosmetic or small capital fixes."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 71.7,
"rationale": "Exterior envelope appears maintained: vinyl siding is intact, porch and porch railings are in good condition, and the rear deck has railings and looks serviceable. Foundation (brick/stone) shows no obvious major settlement or large cracks in provided photos. Site issues: lot slopes to the street, narrow driveway/track with vegetation encroachment, and mature trees close to/over the roofline (risks for gutters/shingles and debris). Some overgrowth along property edges should be cleared. Overall exterior is reasonable but needs routine site cleanup and a close inspection for guttering and flashing where trees interface with roof."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 73.3,
"rationale": "No active life‑threatening hazards are visible in the photos: no collapsed ceilings, no standing water, no exposed large electrical wiring, and entryways and porches have guardrails. Front stairway has handrails. A floor/vent register is visible indicating forced‑air heat distribution. However several NSPIRE safety items cannot be fully confirmed from photos: smoke detectors and carbon monoxide detectors are not clearly shown throughout the unit (one small ceiling device appears in photos but coverage and operation are unconfirmed), GFCI outlet presence in kitchen/bath is not visible, and electrical panel location/condition is not shown. Mature trees overhang the roof (risk factor for future leaks) and some exterior vegetation is encroaching on the envelope. Given the lack of visible severe hazards but several unconfirmed code items, moderate safety risk remains until a walkthrough confirms detectors, GFCI, and panel."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 66.7,
"rationale": "Visible evidence suggests functional systems: kitchen appliances, washer/dryer, and forced‑air vents (floor register) are present. Roof shingles shown from aerial photos generally appear intact with no visible sagging or obvious open roof penetrations. Water heater, electrical panel, and HVAC equipment are not pictured so age/condition is unconfirmed. Because the house is a 1930 build, underlying systems may be older despite cosmetic renovations; absence of visible system failures supports a reasonable but cautious score pending verification of HVAC operation, water heater hot water, and electrical panel condition."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Interior appliances shown (stove, microwave, refrigerator, washer/dryer) are included and operational as photographed.",
"Forced‑air heating/AC exists and is functional (inferred from floor register), though HVAC equipment and water heater were not photographed and their operability/age are assumed acceptable until verified.",
"Smoke detectors and CO alarms are present and operational in key locations OR would be installed prior to inspection; their presence could not be fully confirmed in photos.",
"Electrical panel condition, breaker labeling, and GFCI protection in kitchen/bathrooms are unverified from photos and assumed serviceable but require confirmation.",
"Windows in main bedrooms meet egress requirements (based on size/appearance of primary bedroom windows), but secondary window sizes/egress should be confirmed on site.",
"Foundation and crawlspace conditions are assumed stable because no obvious exterior settlement, sagging, or collapsed elements are visible in photos; hidden issues are possible given the 1930 build date.",
"No visible active roof leaks or interior water stains were seen in photos; however tree proximity increases future leak risk and warrants roof/gutter inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 75.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8061230230"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.