Property ID: 8064818705
2352 3rd Way NE, Center Point, AL, 35215
Center Point, AL
Money Down: $26,400
CoC Return: 16.56%
Monthly Cash Flow: $364
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
$109,999
Money Down
$26,400
Cash-on-Cash Return
16.56%
Rent
$1,258
Monthly Cash Flow
$364
Annual Cash Flow
$4,371
Debt Service / Mo
$585
Property Tax / Mo
$101
Insurance / Mo
$82
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,258
Payment Standard
$1,738
Rent
$1,258
Insurance
$82
Property Tax
$101
Management
$126
Utilities Allowance
$480
NOI (Monthly)
$950
Debt Service
$585
Cash Flow After Debt
$364
Quality Score: 62.80%
Confidence: 95.00%
This 1962 single-family brick ranch appears fundamentally sound and could be made Section 8 / HCV ready with mostly minor repairs and standard safety updates. Primary immediate inspection risks are missing/undocumented smoke and CO detectors, likely lack of GFCI-protected outlets at kitchen/bath, and evidence of a ceiling stain (possible leak) that must be diagnosed and repaired. Appliances are present and interior damage appears cosmetic. Expect an initial inspection fail on detectors and possibly GFCI/ceiling leak items; once those are corrected and basic mechanical verifications (HVAC, water heater, electrical panel) are documented, the property should be rent-ready within ~2-4 weeks.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$480
Guaranteed Section 8 Rent (PS - Utilities)
$1,258
Property Management
$126
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,999
Beds
3
Baths
1.5
Living Area
1,167 sqft
Lot Size
16,553 sqft
Year Built
1962
Days on Market
110
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$101
Insurance / Mo
$82
Property Description
Open floor plan home with three sides brick, a carport, and a spacious fenced backyard with a large porch. Nestled near the end of a quiet street and conveniently located close to local shopping and dining, this property also offers walkable access to a neighborhood pond. A great opportunity for a first-time homebuyer to build equity or for an investor seeking a smart addition to their portfolio.
Utility Allowances
cooking
$21
Property has an electric cooktop. Selected 'Elec: Ala Power' as it is the most expensive electric option for a 3-bedroom unit.
cooling
$22
Property has central cooling, which is electric. Selected 'A/C: Alabama Power' for a 3-bedroom unit.
heating
$49
Heating fuel was not specified. Inferred natural gas based on the presence of a gas water heater. Selected 'N'Gas: Mulga' as the most expensive natural gas option for a 3-bedroom unit.
other_electric
$68
Required for general electricity (lights, etc.). Selected 'Lights, Ref, Etc.: Ala Power' as the most expensive option for a 3-bedroom unit.
range_microwave
$6
A microwave was not mentioned as being provided, so it is assumed to be tenant-owned. Allowance is a fixed value from the schedule.
refrigerator
$0
The property details explicitly list a refrigerator as a provided appliance, so the tenant allowance is $0.
sewer
$151
Property is listed as having 'Sewer: Connected'. The allowance is a fixed value for a 3-bedroom unit from the schedule.
trash_collection
$40
Trash collection is required for a single-family home. 'Fairfield Inside City Limits (ISCL)' was selected as the most expensive option since a provider for Center Point was not explicitly listed.
water
$78
Property has public water. 'Water: Birmingham' was selected as the likely provider for Center Point for a 3-bedroom unit.
water_heating
$45
Property details specify a gas water heater. Selected 'N'Gas: Mulga' as the most expensive natural gas option for a 3-bedroom unit.
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$824
DP3 Annual Estimate$1,138
DP1 Monthly Equivalent$69
DP3 Monthly Equivalent$95
Replacement Value$109,600
Basis1,167 sqft / 1962
Nearby Houses
Photo unavailable
313 24th Ave NE
sold · 0.04 mi
Price: $12,000
2 bd / 1 ba
Latest sale: $12,000
Latest rent: —
Photo unavailable
2341 3rd St NE
sold · 0.04 mi
Price: $107,000
4 bd / 2 ba · 1,522 sqft
Latest sale: $107,000
Latest rent: —
Photo unavailable
2333 3rd St NE
sold · 0.04 mi
Price: $140,000
3 bd / 1 ba · 1,234 sqft
Latest sale: $140,000 on Mar 17, 2022
Latest rent: $885 on Jul 03, 2019
Photo unavailable
324 24th Ave NE
sold · 0.04 mi
Price: $85,000
3 bd / 1 ba · 1,605 sqft
Latest sale: $85,000
Latest rent: —
Photo unavailable
2329 3rd St NE
sold · 0.06 mi
Price: $129,900
4 bd / 2 ba · 1,916 sqft
Latest sale: $129,900
Latest rent: —
Photo unavailable
2325 3rd St NE
sold · 0.07 mi
Price: $82,000
2 bd / 1 ba · 1,100 sqft
Latest sale: $82,000
Latest rent: —
Photo unavailable
2424 Cove Cir NE
sold · 0.09 mi
Price: $240,000
3 bd / 2 ba · 2,180 sqft
Latest sale: $240,000
Latest rent: —
Photo unavailable
2329 3rd Way NE
sold · 0.09 mi
Price: $120,000
3 bd / 2 ba · 1,882 sqft
Latest sale: $120,000 on Feb 17, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors (will cause NSPIRE failure until installed and tested).
- Ceiling stain above kitchen fluorescent fixture — possible active or recurring roof/plumbing leak that must be investigated and repaired.
- No visible GFCI outlets at kitchen sink and bathrooms — likely need GFCI protection for code/NSPIRE compliance.
- Property built 1962 — potential lead-based paint hazard and required disclosures/abatement if disturbed.
Assumptions
- Central HVAC/forced-air exists (floor vents visible) and is operational or serviceable; exterior condenser and furnace were not photographed.
- Stove and refrigerator shown are included and functional but have not been tested.
- No smoke detectors or carbon monoxide detectors are installed (none visible in provided interior photos).
- GFCI protection at kitchen and bathroom outlets is not present or not visible in photos and should be verified and installed if missing.
- Ceiling staining in the kitchen photos indicates past or current water intrusion that requires further inspection to confirm source (roof or plumbing).
- No major structural issues (foundation movement, sagging, collapsed ceilings) are visible in supplied photos; absence of evidence is not proof of absence.
- Lead-based paint risk exists due to 1962 construction; condition of painted surfaces not fully documented beyond areas shown.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,174 | $125,600 | $22,800 |
| 2023 | $1,174 | $106,600 | $21,320 |
| 2022 | $1,221 | $110,800 | $22,160 |
| 2021 | $886 | $80,400 | $16,080 |
| 2020 | $897 | $81,400 | $16,280 |
| 2019 | $897 | $81,400 | $16,280 |
| 2018 | $743 | $67,500 | $13,500 |
| 2017 | $743 | $67,500 | $13,500 |
| 2016 | $676 | $67,500 | $13,500 |
| 2015 | $676 | $67,500 | $13,500 |
| 2010 | $1,629 | $79,800 | $15,960 |
| 2009 | $891 | $87,500 | $17,500 |
| 2008 | $1,115 | $89,200 | $17,840 |
| 2007 | $1,149 | $92,600 | $18,520 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Price Changed | $109,999 |
| 2026-01-15 | Price Changed | $134,999 |
| 2025-12-09 | Price Changed | $144,500 |
| 2025-11-21 | Price Changed | $145,000 |
| 2025-10-29 | Listed | $149,000 |
| 2019-04-08 | Listing removed | $850 |
| 2019-03-12 | Listed for rent | $850 |
| 2014-11-12 | Sold | $157,372 |
| 2012-04-25 | Listing removed | $89,900 |
| 2009-02-22 | Listing removed | $89,900 |
| 2008-08-19 | Listed | $89,900 |
| 2008-08-19 | Listing removed | $64,900 |
| 2008-05-14 | Listed | $64,900 |
| 2004-08-30 | Listing removed | $80,900 |
| 2004-03-31 | Listed | $80,900 |
| 2004-03-29 | Listing removed | $84,900 |
| 2003-09-29 | Listed | $84,900 |
| 2002-09-30 | Listing removed | $74,900 |
| 2002-09-16 | Sold | $65,000 |
| 2002-03-26 | Listed | $74,900 |
| 1996-03-06 | Sold | $59,900 |
| 1996-02-01 | Sold | $59,900 |
Photo Gallery
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "216957",
"price_change_percentage": "+30.62%"
},
{
"date": "2002-09-30",
"price": 74900,
"listing": {
"status": "off_market",
"list_date": "2002-03-26T07:00:00Z",
"list_price": 74900,
"listing_id": "541751919",
"last_update_date": "2002-10-01T12:00:00Z",
"last_status_change_date": "2002-09-30T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "100503",
"price_change_percentage": null
},
{
"date": "2002-09-16",
"price": 65000,
"listing": null,
"event_name": "Sold",
"price_sqft": 55.69837189374464,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": "174 days",
"source_listing_id": null,
"price_change_percentage": "-13.22%"
},
{
"date": "2002-03-26",
"price": 74900,
"listing": {
"status": "off_market",
"list_date": "2002-03-26T07:00:00Z",
"list_price": 74900,
"listing_id": "541751919",
"last_update_date": "2002-10-01T12:00:00Z",
"last_status_change_date": "2002-09-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "100503",
"price_change_percentage": "+25.04%"
},
{
"date": "1996-03-06",
"price": 59900,
"listing": null,
"event_name": "Sold",
"price_sqft": 51.32819194515853,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1996-02-01",
"price": 59900,
"listing": null,
"event_name": "Sold",
"price_sqft": 51.32819194515853,
"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": "8064818705",
"generated_at": "2026-02-16T03:03:26.519284Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 62.8
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/0852dd312c27553cd19cca7d9d8a2c6el-m2841458170s-w1280.jpg",
"rent_price": 1258.0,
"loan_amount": 87999.2,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2352-3rd-Way-NE_Center-Point_AL_35215_M80648-18705",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 109999.0,
"loan_term_years": 30,
"annual_cash_flow": 11396.18,
"mortgage_monthly": 585.46,
"payment_standard": 1738.0,
"total_amount_out": 21999.8,
"additional_photos": [
"https://ap.rdcpix.com/0852dd312c27553cd19cca7d9d8a2c6el-m2459496608s-w1280.jpg",
"https://ap.rdcpix.com/0852dd312c27553cd19cca7d9d8a2c6el-m3531228672s-w1280.jpg",
"https://ap.rdcpix.com/0852dd312c27553cd19cca7d9d8a2c6el-m3515394284s-w1280.jpg",
"https://ap.rdcpix.com/0852dd312c27553cd19cca7d9d8a2c6el-m468570652s-w1280.jpg",
"https://ap.rdcpix.com/0852dd312c27553cd19cca7d9d8a2c6el-m149809662s-w1280.jpg",
"https://ap.rdcpix.com/0852dd312c27553cd19cca7d9d8a2c6el-m1915381395s-w1280.jpg",
"https://ap.rdcpix.com/0852dd312c27553cd19cca7d9d8a2c6el-m146018701s-w1280.jpg",
"https://ap.rdcpix.com/0852dd312c27553cd19cca7d9d8a2c6el-m3573488702s-w1280.jpg",
"https://ap.rdcpix.com/0852dd312c27553cd19cca7d9d8a2c6el-m3013787820s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 81.75,
"monthly_cash_flow": 949.68,
"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 an electric cooktop. Selected 'Elec: Ala Power' as it is the most expensive electric option for a 3-bedroom unit.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Property has central cooling, which is electric. Selected 'A/C: Alabama Power' for a 3-bedroom unit.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Heating fuel was not specified. Inferred natural gas based on the presence of a gas water heater. Selected 'N'Gas: Mulga' as the most expensive natural gas option for a 3-bedroom unit.",
"utility": "heating",
"allowance": 49
},
{
"note": "Required for general electricity (lights, etc.). Selected 'Lights, Ref, Etc.: Ala Power' as the most expensive option for a 3-bedroom unit.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "A microwave was not mentioned as being provided, so it is assumed to be tenant-owned. Allowance is a fixed value from the schedule.",
"utility": "range_microwave",
"allowance": 6
},
{
"note": "The property details explicitly list a refrigerator as a provided appliance, so the tenant allowance is $0.",
"utility": "refrigerator",
"allowance": 0
},
{
"note": "Property is listed as having 'Sewer: Connected'. The allowance is a fixed value for a 3-bedroom unit from the schedule.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Trash collection is required for a single-family home. 'Fairfield Inside City Limits (ISCL)' was selected as the most expensive option since a provider for Center Point was not explicitly listed.",
"utility": "trash_collection",
"allowance": 40
},
{
"note": "Property has public water. 'Water: Birmingham' was selected as the likely provider for Center Point for a 3-bedroom unit.",
"utility": "water",
"allowance": 78
},
{
"note": "Property details specify a gas water heater. Selected 'N'Gas: Mulga' as the most expensive natural gas option for a 3-bedroom unit.",
"utility": "water_heating",
"allowance": 45
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 21999.8,
"property_tax_annual": 1209.22,
"property_tax_monthly": 100.77,
"property_tax_increase": 0.03,
"utility_allowance_total": 480.0,
"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": 4370.65,
"property_management_monthly": 125.8,
"monthly_cash_flow_after_debt": 364.22,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "This 1962 single-family brick ranch appears fundamentally sound and could be made Section 8 / HCV ready with mostly minor repairs and standard safety updates. Primary immediate inspection risks are missing/undocumented smoke and CO detectors, likely lack of GFCI-protected outlets at kitchen/bath, and evidence of a ceiling stain (possible leak) that must be diagnosed and repaired. Appliances are present and interior damage appears cosmetic. Expect an initial inspection fail on detectors and possibly GFCI/ceiling leak items; once those are corrected and basic mechanical verifications (HVAC, water heater, electrical panel) are documented, the property should be rent-ready within ~2-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior and exterior appear structurally intact with finished hardwood and newer-looking vinyl plank in kitchen/dining. Appliances (stove and refrigerator) present. Visible issues are cosmetic and maintenance-type: scuffed/scratched floors, missing cabinet door/trim under vanity, gaps/transition strip missing between floor types, worn paint, overgrown landscaping and driveway cracking. These are moderate, mostly easy-to-fix items and would not be major barriers to renting once addressed."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Compliance",
"score": 50.0,
"rationale": "Significant inspection risk items visible or unverified: no smoke detectors are visible in photos (absence will fail NSPIRE until installed), GFCI presence at kitchen/bath outlets not evident, ceiling stain above kitchen fluorescent light suggests prior or active water intrusion (possible leak), and house was built in 1962 so lead-based paint risk and required disclosures exist. Entry hardware and deadbolt not visible. No exposed electrical conductors were observed in photos. Because smoke/carbon monoxide detectors and GFCI outlets are quick fixes but required for pass, safety score is reduced to reflect likely initial inspection failures without immediate corrective work."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Floor vents indicate a central HVAC/forced-air system is present but no exterior condensing unit or furnace/water heater were photographed to confirm condition. Electrical panel not shown. Kitchen appliances are electric (range appears electric), reducing gas-safety risk. Ceiling staining near kitchen fluorescent fixture suggests possible past or active roof/plumbing leak that requires investigation. Plumbing fixtures (toilet, sink, tub) are in place but vanity shows wear. Given visible vents and functioning fixtures but missing confirmations for key equipment, systems are judged to be in fair condition but with moderate unknown risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Three-sided brick exterior appears intact with no visible major wall cracking. Carport and lattice screening are serviceable; driveway shows some cracking and surface wear. Lot has mature trees close to the house (possible root/roof debris risk) and landscaping needs cleanup. No standing water or obvious foundation displacement visible in photos. Overall exterior is serviceable with routine maintenance needed."
}
],
"red_flags": [
"No visible smoke detectors (will cause NSPIRE failure until installed and tested).",
"Ceiling stain above kitchen fluorescent fixture — possible active or recurring roof/plumbing leak that must be investigated and repaired.",
"No visible GFCI outlets at kitchen sink and bathrooms — likely need GFCI protection for code/NSPIRE compliance.",
"Property built 1962 — potential lead-based paint hazard and required disclosures/abatement if disturbed."
],
"confidence": 0.66,
"assumptions": [
"Central HVAC/forced-air exists (floor vents visible) and is operational or serviceable; exterior condenser and furnace were not photographed.",
"Stove and refrigerator shown are included and functional but have not been tested.",
"No smoke detectors or carbon monoxide detectors are installed (none visible in provided interior photos).",
"GFCI protection at kitchen and bathroom outlets is not present or not visible in photos and should be verified and installed if missing.",
"Ceiling staining in the kitchen photos indicates past or current water intrusion that requires further inspection to confirm source (roof or plumbing).",
"No major structural issues (foundation movement, sagging, collapsed ceilings) are visible in supplied photos; absence of evidence is not proof of absence.",
"Lead-based paint risk exists due to 1962 construction; condition of painted surfaces not fully documented beyond areas shown."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the home appears rentable with mostly cosmetic and moderate maintenance items. The property likely requires a 1–4 week scope of minor repairs and safety fixes (install/verify smoke & CO alarms, investigate and repair ceiling/roof leak, ensure GFCI protection in kitchen/bathrooms, address floor transitions and minor exterior repairs) before reliably passing an initial HCV/NSPIRE inspection. Major structural systems are not visibly failing from photos, but some system verifications (electrical panel, water heater, HVAC operation) and leak remediation are recommended.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior and exterior appear structurally intact with mostly cosmetic wear. Hardwood floors show surface wear and a visible transition seam; kitchen and bathroom cabinets show age and one lower cabinet appears missing/lifted. Appliances (refrigerator and electric range) are present but older. Minor drywall/trim scuffs and paint touch-ups needed. No large-scale demolition or replacement obviously required — repairs are mostly cosmetic and fixture/appliance updates."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "Significant inspection risks noted or not verifiable from photos: no visible smoke detectors or CO alarms, kitchen GFCI protection not evident, and there is a ceiling stain above kitchen fluorescent fixtures consistent with a past or current roof/plumbing leak (possible active leak/mold risk). Bedroom egress windows and door deadbolt presence are not shown. No obvious exposed wiring or collapsed structure observed, but missing/uncertain life-safety devices and the ceiling stain create a moderate NSPIRE risk that will likely require corrective work prior to pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Exterior condenser unit visible indicating central HVAC likely present. Kitchen and plumbing fixtures appear intact; appliances are electric. Roof shows no obvious major collapse, but ceiling staining above the kitchen light implies a roof or plumbing leak that should be investigated. Electrical panel and water heater are not shown; fluorescent fixtures are older but wiring/exposed hazards are not obvious. Given photo limitations, systems appear serviceable but require verification and minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Three-sided brick exterior and carport appear serviceable. Driveway has cracking and the yard has surface roots/uneven ground that are trip hazards. Porch/carport lattice shows wear. No standing water, major foundation cracks, or visible termite/infestation evidence in photos. Landscaping cleanup, driveway repair, and minor carport/porch repairs are likely."
}
],
"red_flags": [
"Ceiling staining above kitchen fluorescent fixture — possible active roof or plumbing leak (active leak risk).",
"No visible smoke detectors or carbon monoxide alarms in interior photos (life-safety device missing).",
"Property built in 1962 — potential lead-based paint hazard on painted surfaces (pre-1978 construction).",
"Kitchen GFCI protection not evident on visible outlets (electrical safety/NSPIRE issue).",
"Trip hazards from uneven yard/visible tree roots and cracked driveway."
],
"confidence": 0.65,
"assumptions": [
"Utilities (electric, water) will be turned on for a formal inspection and function normally.",
"HVAC is present and operable (exterior condenser observed) though system operation was not tested from photos.",
"Water heater and electrical panel exist in the house but were not shown in images; assumed serviceable unless inspection reveals otherwise.",
"Smoke and carbon monoxide alarms are not installed or not visible in photos and will need verification/installation.",
"Ceiling staining indicates either a past or current leak that requires investigation; extent of damage (mold, structural) is unknown and assumed limited based on photos.",
"Bedrooms have code-compliant egress windows (not shown) — if not, that would be a required remediation.",
"No active pest/infestation evidence was visible; none assumed."
],
"overall_score": 64.0,
"rubric_version": "1.0"
},
{
"summary": "This brick ranch appears generally sound and could be Section 8 ready with targeted repairs. Major visible issues are limited to an interior ceiling stain (possible active/past leak) and a few code items not visible (smoke/CO alarms, GFCI outlets). Appliances are present and structural envelope looks intact. Expect to clear NSPIRE issues with roof/leak remediation (if active), installation/verification of smoke and CO detectors, GFCI installation in kitchen/bath where required, minor flooring/trim work, and driveway/grounds cleanup. Estimated time to pass an initial voucher inspection: 2–6 weeks depending on leak diagnosis and minor trades availability.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 65.0,
"rationale": "Overall interior and exterior show mostly cosmetic wear and dated finishes but no catastrophic damage in photos. Hardwood floors are intact though there are rough transition strips and scuffs; some cabinet doors and trim need repair; bathroom vanity/tiles are dated and one cabinet door is missing. Kitchen appliances (stove, refrigerator) are present which reduces capital needs. Exterior brick is sound but landscaping and driveway need cleanup/repair. These are largely easy-to-fix or capital items, though the kitchen/bath cosmetic repairs and some floor transitions would take a few days to a couple weeks."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Visible safety concerns moderate. I do not see smoke detectors or CO alarms in the photos (likely required) and GFCI outlets near the kitchen sink are not evident. There are no obvious exposed electrical conductors or damaged railings. Ceiling staining above the kitchen fluorescent fixture suggests past or possible active roof/plumbing leakage which could create mold or active moisture hazards if unresolved. Windows appear adequate for egress but bedrooms are not shown. Entry locking hardware (deadbolt) not visible. These items create inspection risk and will likely require corrective work (install hardwired/operable smoke detectors, add GFCI protection, investigate/repair leak) before a voucher inspection passes."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.0,
"rationale": "Major systems appear present: floor vents and an outdoor condenser (seen at the side) indicate central HVAC likely installed. Kitchen and bathroom plumbing fixtures appear intact; stove is electric so no visible gas piping issues. The roof shows signs of age and the interior ceiling stain near the kitchen fluorescent fixture implies prior/possible water intrusion — roof and/or plumbing should be inspected. Electrical panel and water heater are not visible; assume typical for a 1962 house but need verification. Systems likely operational but will require verification and minor repairs (roof patch/repair, confirm heater/water heater and panel condition)."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 70.0,
"rationale": "Three-sided brick exterior and foundation appear sound in photos. Carport and lattice screening are serviceable. Yard is fenced per listing and generally usable, though overgrown/leaf debris and several large trees close to the roof increase maintenance and debris-loading risk. Driveway has visible cracks and some unevenness (trip hazard). No evidence of standing water or active collapse. These are mostly moderate exterior maintenance items."
}
],
"red_flags": [
"Ceiling water stain above kitchen fluorescent fixture — potential active roof or plumbing leak (investigate and repair).",
"No visible smoke detectors or CO alarms in photos — likely required for NSPIRE compliance.",
"No visible GFCI protection in kitchen area near sink — may fail electrical safety inspection.",
"Aging roof with trees close to roofline — elevated risk of future leaks and debris accumulation.",
"Cracked/uneven driveway (trip hazard) that could be cited depending on inspector discretion."
],
"confidence": 0.65,
"assumptions": [
"No rental events in last 5 years (rental_history_last_5y reported as missing) so rental_history_activity is excluded.",
"Central HVAC is present and functional because floor vents and an outdoor condenser are visible; no full HVAC inspection data provided.",
"Water heater and electrical panel exist but were not photographed; assume serviceable until proven otherwise.",
"Smoke detectors and CO alarms are not present or not visible in provided photos and will need verification/installation.",
"Kitchen and bathroom plumbing fixtures operate; no active plumbing failure was observed in photos but ceiling stain near kitchen indicates potential past or current leak that must be investigated.",
"Bedroom egress windows meet local size/egress requirements based on typical mid-century construction, but bedroom photos were not provided for confirmation."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2352 3rd Way NE, Center Point, AL, 35215",
"aggregate": {
"summary": "This 1962 single-family brick ranch appears fundamentally sound and could be made Section 8 / HCV ready with mostly minor repairs and standard safety updates. Primary immediate inspection risks are missing/undocumented smoke and CO detectors, likely lack of GFCI-protected outlets at kitchen/bath, and evidence of a ceiling stain (possible leak) that must be diagnosed and repaired. Appliances are present and interior damage appears cosmetic. Expect an initial inspection fail on detectors and possibly GFCI/ceiling leak items; once those are corrected and basic mechanical verifications (HVAC, water heater, electrical panel) are documented, the property should be rent-ready within ~2-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.3,
"rationale": "Interior and exterior appear structurally intact with finished hardwood and newer-looking vinyl plank in kitchen/dining. Appliances (stove and refrigerator) present. Visible issues are cosmetic and maintenance-type: scuffed/scratched floors, missing cabinet door/trim under vanity, gaps/transition strip missing between floor types, worn paint, overgrown landscaping and driveway cracking. These are moderate, mostly easy-to-fix items and would not be major barriers to renting once addressed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Three-sided brick exterior appears intact with no visible major wall cracking. Carport and lattice screening are serviceable; driveway shows some cracking and surface wear. Lot has mature trees close to the house (possible root/roof debris risk) and landscaping needs cleanup. No standing water or obvious foundation displacement visible in photos. Overall exterior is serviceable with routine maintenance needed."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Compliance",
"score": 53.3,
"rationale": "Significant inspection risk items visible or unverified: no smoke detectors are visible in photos (absence will fail NSPIRE until installed), GFCI presence at kitchen/bath outlets not evident, ceiling stain above kitchen fluorescent light suggests prior or active water intrusion (possible leak), and house was built in 1962 so lead-based paint risk and required disclosures exist. Entry hardware and deadbolt not visible. No exposed electrical conductors were observed in photos. Because smoke/carbon monoxide detectors and GFCI outlets are quick fixes but required for pass, safety score is reduced to reflect likely initial inspection failures without immediate corrective work."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Floor vents indicate a central HVAC/forced-air system is present but no exterior condensing unit or furnace/water heater were photographed to confirm condition. Electrical panel not shown. Kitchen appliances are electric (range appears electric), reducing gas-safety risk. Ceiling staining near kitchen fluorescent fixture suggests possible past or active roof/plumbing leak that requires investigation. Plumbing fixtures (toilet, sink, tub) are in place but vanity shows wear. Given visible vents and functioning fixtures but missing confirmations for key equipment, systems are judged to be in fair condition but with moderate unknown risk."
}
],
"red_flags": [
"No visible smoke detectors (will cause NSPIRE failure until installed and tested).",
"Ceiling stain above kitchen fluorescent fixture — possible active or recurring roof/plumbing leak that must be investigated and repaired.",
"No visible GFCI outlets at kitchen sink and bathrooms — likely need GFCI protection for code/NSPIRE compliance.",
"Property built 1962 — potential lead-based paint hazard and required disclosures/abatement if disturbed."
],
"confidence": 0.95,
"assumptions": [
"Central HVAC/forced-air exists (floor vents visible) and is operational or serviceable; exterior condenser and furnace were not photographed.",
"Stove and refrigerator shown are included and functional but have not been tested.",
"No smoke detectors or carbon monoxide detectors are installed (none visible in provided interior photos).",
"GFCI protection at kitchen and bathroom outlets is not present or not visible in photos and should be verified and installed if missing.",
"Ceiling staining in the kitchen photos indicates past or current water intrusion that requires further inspection to confirm source (roof or plumbing).",
"No major structural issues (foundation movement, sagging, collapsed ceilings) are visible in supplied photos; absence of evidence is not proof of absence.",
"Lead-based paint risk exists due to 1962 construction; condition of painted surfaces not fully documented beyond areas shown."
],
"score_method": "mean_of_criteria",
"overall_score": 62.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8064818705"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.