Property ID: 8077340489
4105 7th Ave N, Birmingham, AL, 35222
Birmingham, AL
Money Down: $19,176
CoC Return: 15.76%
Monthly Cash Flow: $252
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,980
Closing Costs
$3,196
Total Down
$19,176
Investment Snapshot
Purchase Price
$79,900
Money Down
$19,176
Cash-on-Cash Return
15.76%
Rent
$886
Monthly Cash Flow
$252
Annual Cash Flow
$3,021
Debt Service / Mo
$425
Property Tax / Mo
$42
Insurance / Mo
$78
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$886
Payment Standard
$1,265
Rent
$886
Insurance
$78
Property Tax
$42
Management
$89
Utilities Allowance
$379
NOI (Monthly)
$677
Debt Service
$425
Cash Flow After Debt
$252
Quality Score: 61.00%
Confidence: 89.00%
This is a mostly livable 2-bed/2-bath brick ranch with moderate cosmetic deferred maintenance and some unfinished bathroom work. The exterior and structure show no obvious major failures. Major unknowns are presence/operation of HVAC, water heater and electrical panel, and absence of visible smoke/CO detectors and GFCI outlets. With installation of detectors, verification of mechanical systems, completion of bathroom finishing, and installation of kitchen appliances, the home could pass an initial HCV inspection. Estimated readiness: minor-to-moderate repairs within 2–6 weeks.
Section 8 Payment Standard
$1,265
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$886
Property Management
$89
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$79,900
Beds
2
Baths
2
Living Area
1,352 sqft
Lot Size
7,841 sqft
Year Built
1960
Days on Market
115
Capital Outlay
$19,176
Debt Service
$425
Property Tax / Mo
$42
Insurance / Mo
$78
Property Description
Welcoming 2 bedroom 2 bath home! One of a kind home in fabulous location. This home features a large living room and two nice sized bedrooms, a shared bath and a exceptionally large master bath. Fenced yard. Close to everything! This is a must see!
Utility Allowances
Heating
$31
Property has Central Heat. Natural gas is assumed as the fuel source due to the presence of a gas water heater. Spire is the most common provider in the area.
Cooling
$18
Property has Central Air. Alabama Power is the primary electric provider in Birmingham.
Cooking
$17
The stove type is not specified. While a gas line is present, the electric option is more expensive and was selected per the instructions to choose the higher cost when unclear.
Water Heating
$29
Property info explicitly states a 'Gas Water Heater'. Spire is the most likely provider.
Other Electric
$56
This allowance for general electric use (lights, outlets) is standard. Alabama Power is the primary electric provider in the area.
Water
$69
Property has public water and is located within the City of Birmingham.
Sewer
$125
Property is connected to the public sewer system, as stated in the listing.
Trash Collection
$20
The property is in Birmingham (Jefferson County). 'Jefferson City (Once per week)' is the most applicable option on the schedule.
Refrigerator
$8
A refrigerator is not listed as a provided appliance and is assumed to be tenant-owned.
Range/Microwave
$6
A range/microwave is not listed as a provided appliance and is assumed to be tenant-owned.
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$783
DP3 Annual Estimate$1,090
DP1 Monthly Equivalent$65
DP3 Monthly Equivalent$91
Replacement Value$99,600
Basis1,352 sqft / 1960
Nearby Houses
Photo unavailable
4117 7th Ave N
sold · 0.03 mi
Price: $26,000
3 bd / 1 ba · 975 sqft
Latest sale: $26,000 on Feb 25, 2019
Latest rent: —
Photo unavailable
4108 6th Ct N
sold · 0.04 mi
Price: $60,000
3 bd / 1 ba · 1,091 sqft
Latest sale: $60,000 on Jul 16, 2021
Latest rent: $795 on May 20, 2019
Photo unavailable
4100 6th Ct N
sold · 0.04 mi
Price: $43,000
3 bd / 3 ba · 1,194 sqft
Latest sale: $43,000 on May 10, 2019
Latest rent: —
Photo unavailable
4121 7th Ave N
sold · 0.05 mi
Price: $80,000
3 bd / 2 ba · 1,972 sqft
Latest sale: $80,000 on Apr 27, 2020
Latest rent: —
Photo unavailable
4120 7th Ave N
sold · 0.06 mi
Price: $143,000
2 bd / 2 ba · 1,040 sqft
Latest sale: $143,000 on Oct 26, 2023
Latest rent: —
Photo unavailable
4124 7th Ave N
sold · 0.07 mi
Price: $60,000
3 bd / 1 ba · 954 sqft
Latest sale: $60,000 on Jun 07, 2019
Latest rent: —
Photo unavailable
4128 6th Ct N
sold · 0.08 mi
Price: $29,900
3 bd / 1 ba · 1,512 sqft
Latest sale: $29,900 on May 25, 2018
Latest rent: —
Photo unavailable
544 42nd Pl N
sold · 0.12 mi
Price: $104,900
3 bd / 1 ba · 1,030 sqft
Latest sale: $104,900 on Dec 22, 2021
Latest rent: $1,130 on Mar 04, 2022
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in interior photos (required for NSPIRE).
- Unfinished wall/penetration area around master tub (open/unfinished tile/wall) — potential for water intrusion or exposed plumbing/electrical.
- No mechanical systems (external AC condenser or water heater) shown — heating/AC/water heater operability unverified.
- Kitchen GFCI protection not visible and electrical panel not shown—electrical compliance unknown.
Assumptions
- Photos represent the current and complete visible condition; no additional interior photos are available.
- No HVAC condenser, furnace, or water heater photos means their location and operability are unknown; assume system may exist but needs verification.
- No smoke or CO detectors were visible in photos; assume none are installed or present in unshown locations and will need to be installed/verified.
- Kitchen appliances (stove/refrigerator) are not visible and likely not included; scoring treats missing appliances as moderate capital items, not automatic failures.
- No evidence of active roof leaks, major foundation movement, or collapsed ceilings was visible; assume these critical failures are absent unless inspection reveals otherwise.
- Electrical panel, GFCI outlets, and circuit integrity were not shown and must be verified on inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2018 | $493 | $77,900 | $7,800 |
| 2017 | $493 | $77,900 | $7,800 |
| 2016 | $308 | $77,900 | $7,800 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-06 | Price Changed | $79,900 |
| 2025-11-22 | Relisted | $89,000 |
| 2025-10-28 | Listing removed | $0 |
| 2025-10-24 | Listed | $99,000 |
Photo Gallery
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{
"note": "Property has Central Heat. Natural gas is assumed as the fuel source due to the presence of a gas water heater. Spire is the most common provider in the area.",
"utility": "Heating",
"allowance": 31
},
{
"note": "Property has Central Air. Alabama Power is the primary electric provider in Birmingham.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "The stove type is not specified. While a gas line is present, the electric option is more expensive and was selected per the instructions to choose the higher cost when unclear.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "Property info explicitly states a 'Gas Water Heater'. Spire is the most likely provider.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "This allowance for general electric use (lights, outlets) is standard. Alabama Power is the primary electric provider in the area.",
"utility": "Other Electric",
"allowance": 56
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{
"note": "Property has public water and is located within the City of Birmingham.",
"utility": "Water",
"allowance": 69
},
{
"note": "Property is connected to the public sewer system, as stated in the listing.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "The property is in Birmingham (Jefferson County). 'Jefferson City (Once per week)' is the most applicable option on the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A range/microwave is not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 6
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{
"summary": "This is a mostly livable 2-bed/2-bath brick ranch with moderate cosmetic deferred maintenance and some unfinished bathroom work. The exterior and structure show no obvious major failures. Major unknowns are presence/operation of HVAC, water heater and electrical panel, and absence of visible smoke/CO detectors and GFCI outlets. With installation of detectors, verification of mechanical systems, completion of bathroom finishing, and installation of kitchen appliances, the home could pass an initial HCV inspection. Estimated readiness: minor-to-moderate repairs within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows functional layout but moderate deferred cosmetic work. Kitchen cabinets and ceiling show patches and wear; no stove or refrigerator visible in photos (space at right of counter). Flooring appears recently replaced in bedrooms (laminate) but living room carpet looks stained and worn. Master bathroom has new-looking fixtures (vanity, jetted tub) but finishing is incomplete around the tub and wall (exposed/unfinished areas). Minor replacement/installation items (appliances, outlet covers, paint, trim) and some flooring/carpet cleaning or replacement are required. These are largely cosmetic or capital items and should be repairable within a short remodel timeline."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in photos; HUD/NSPIRE requires working smoke detectors in hallways and at least one on each level. Entry doors appear to have secure locks and front steps have railings, but close-up checks of deadbolts were not provided. No exposed high-voltage wiring was photographed, but there are unfinished wall areas around the master tub and behind kitchen appliances that could hide plumbing/electrical risks. GFCI protection in the kitchen/bath is not visible. Windows appear to be egress-sized in bedrooms. Plumbing fixtures (toilet, sinks) are present. Because detectors and GFCI locations are not shown and there are unfinished wall penetrations, there is moderate NSPIRE risk until those items are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof appears intact from distance photos with no visible sagging or missing large sections, but no close-up or attic photos were provided. No HVAC exterior condensing unit, furnace, or water heater is shown in images—there is a floor/wall register visible in a bedroom indicating a forced-air or central system, but operability is unconfirmed. Plumbing fixtures are present and appear intact; the bathroom renovation suggests some recent plumbing work though an unfinished wall near the tub raises concern about penetration/sealing. Electrical panel, wiring condition, and GFCI protection are not shown. Given lack of mechanical photos and some unfinished bathroom work, rate as moderate system risk that requires verification and likely minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick single-story façade appears structurally sound with symmetrical roofline and no visible sagging. Yard is fenced and usable with a shed; driveway shows a gravel patch but is serviceable. Shrubbery is overgrown but not threatening structure. Walkway from sidewalk to front has minor wear but no trip hazards visible. No standing water, major foundation cracks, or collapsed elements are apparent in exterior photos. Overall the site is in generally good condition with routine maintenance needed."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (required for NSPIRE).",
"Unfinished wall/penetration area around master tub (open/unfinished tile/wall) — potential for water intrusion or exposed plumbing/electrical.",
"No mechanical systems (external AC condenser or water heater) shown — heating/AC/water heater operability unverified.",
"Kitchen GFCI protection not visible and electrical panel not shown—electrical compliance unknown."
],
"confidence": 0.65,
"assumptions": [
"Photos represent the current and complete visible condition; no additional interior photos are available.",
"No HVAC condenser, furnace, or water heater photos means their location and operability are unknown; assume system may exist but needs verification.",
"No smoke or CO detectors were visible in photos; assume none are installed or present in unshown locations and will need to be installed/verified.",
"Kitchen appliances (stove/refrigerator) are not visible and likely not included; scoring treats missing appliances as moderate capital items, not automatic failures.",
"No evidence of active roof leaks, major foundation movement, or collapsed ceilings was visible; assume these critical failures are absent unless inspection reveals otherwise.",
"Electrical panel, GFCI outlets, and circuit integrity were not shown and must be verified on inspection."
],
"overall_score": 63.0,
"rubric_version": "ns-2026-1.0"
},
{
"summary": "This 1960 single-family brick home shows a sound exterior and present major systems, but has moderate interior deferred maintenance and several inspection risks that must be verified/fixed. The biggest near-term inspection blockers are lack of visible smoke/CO detectors, incomplete bathroom finish around the tub, ceiling patch in the kitchen (possible prior leak), and missing kitchen appliances. With completion of basic life-safety devices, verification/repair of any active leaks, installation of range and refrigerator, and routine cosmetic finishes, the property is likely to pass an initial HCV/NSPIRE inspection in roughly 30–60 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 55.0,
"rationale": "Interior shows moderate deferred maintenance and cosmetic issues: kitchen cabinets are aged, fluorescent fixture and a patched ceiling area above kitchen indicate recent repair or past leak; missing major appliances (no visible range or refrigerator) but sink and counters present; one room has stained/old carpet and wood paneling that look dated and will need cleaning or replacement; master bathroom has recently-installed tile and tub but some drywall/finish is incomplete around the tub platform and wall. Exterior brick and landscaping are generally tidy. These are mostly repair/finish and cosmetic items that are readily addressable but require time and moderate capital."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "Photos do not show smoke detectors or CO alarms and none are obvious in hallways or bedrooms (NSPIRE requires smoke detectors on each level and in sleeping areas) — this is a likely immediate fail if absent. No obvious exposed wiring, broken handrails, collapsed ceilings, or active standing water were observed. Bedroom windows appear large enough for egress in photos, entry steps have railings, and plumbing fixtures are present. GFCI protection in kitchen/bath not visible. Ceiling patching and incomplete bathroom finish suggest prior water intrusion that should be confirmed not active. Given missing/uncertain life-safety devices and incomplete finishes, moderate-to-high inspection risk until verified and completed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 60.0,
"rationale": "Evidence of forced-air distribution (floor wall vent visible) suggests HVAC ducts/existing heating system, but no furnace/AC unit was photographed. Plumbing fixtures (toilet, vanity, jetted tub, sink) are present and appear installed though bathroom finish is incomplete near tub and may require plumbing trim or repair. Roof appears aged but shows no visible sagging or open failures in photos; ceiling patching in kitchen could reflect prior roof/plumbing leak that should be evaluated. Electrical panel and water heater are not shown. Overall systems appear present but not validated; some mechanical finish work and verification are likely needed."
},
{
"key": "exterior_site",
"label": "Exterior, yard and site conditions",
"score": 75.0,
"rationale": "Brick exterior is intact and curb appeal is acceptable. Yard is fenced, level, and appears maintained; backyard shows mature trees and outbuilding/shed. Walkway has minor cracking and driveway is gravel with some bare areas but functional. No standing water, visible foundation cracks, or exterior structural sagging observed in provided photos. Some cleanup of yard and shed may be desirable but no major exterior repairs are obvious."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos — potential immediate NSPIRE fail if absent.",
"Ceiling patching in kitchen and unfinished wall around master tub suggest prior or recent water intrusion that must be investigated for active leaks and mold.",
"Incomplete bathroom finishes (open wall area and exposed access near tub) may create safety/hygiene issues and need repair.",
"Major appliances (stove/oven and refrigerator) not shown — must be provided or replaced before tenancy."
],
"confidence": 0.65,
"assumptions": [
"Smoke and carbon monoxide detectors are not present or not installed in locations required by NSPIRE since none are visible in photos.",
"Kitchen major appliances (stove/oven and refrigerator) are currently absent from listing photos and would need to be provided or installed prior to tenancy.",
"Forced-air HVAC distribution exists (floor vent visible) but the actual HVAC unit (furnace/AC) and water heater locations were not photographed and their operational status is unknown.",
"Electrical panel condition and presence of required GFCI outlets in kitchen/bath are not shown and assumed unknown; no obvious exposed wiring was visible in photographs.",
"Ceiling patching and incomplete wall/tub finishing indicate prior water intrusion; assume repair may be cosmetic or may require minor plumbing/roof work until verified on-site.",
"No recent rental history is available in the last 5 years (rental_history_last_5y marked missing), so rental_history_activity is excluded from scoring as instructed."
],
"overall_score": 58.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2BR/2BA brick ranch presents as a mostly sound, rentable structure with cosmetic and finish work needed. Major systems appear present (vents, plumbing fixtures), exterior envelope and yard are serviceable, and there are no obvious structural failures in the provided photos. Primary inspection risks are missing/uncertain life-safety devices (smoke/CO alarms), incomplete bathroom finishes, kitchen ceiling repairs, and missing kitchen appliances. With 1–3 days of targeted fixes (install/verify smoke & CO alarms, finish bathroom drywall/detail, install/verify GFCI at sink, install appliances) plus 1–2 days to test HVAC/electrical/plumbing, the property is likely to pass an initial HCV/NSPIRE inspection. If mechanical systems (HVAC, hot water, electrical panel) are nonfunctional or require repair, timeline and cost increase. Overall readiness is in the 'minor repairs' category — likely rent-ready within ~30 days assuming no hidden system failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Photos show mostly serviceable structure with cosmetic and medium-minor deferred maintenance: kitchen cabinets are worn and at least one lower cabinet/space appears missing (likely appliance space), ceiling patch/repair visible in kitchen, some stained/soiled flooring or carpet in the sunroom, bright/uneven interior paint, and one bathroom area with unfinished drywall near the tub. The large master bath appears largely renovated but has incomplete finishes (exposed drywall/trim near tub). No widespread collapse, but multiple cosmetic and finish repairs plus appliance installation are needed before move-in. Missing stove/refrigerator visible — lowers turnkey readiness but is a moderate repair rather than structural failure."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 50.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in any interior photos (NSPIRE requires functioning smoke alarms in required locations). Bedrooms show adequate-size egress windows visually. Entry stairs have railings visible in photos; no obvious loose/failed guardrails or unsafe stairs. No obvious exposed wiring, major electrical hazards, active leaks, collapsed ceilings, standing water, or severe mold visible. GFCI presence at kitchen sink is not clearly identifiable from photos. Because critical life-safety devices (smoke/CO detectors) are not apparent and some finishes (unfinished drywall near plumbing) could create code issues, safety/code score is moderate and would likely require correction to pass an initial voucher inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 60.0,
"rationale": "Roof appears intact from street photos with no visible sag or large missing shingles. Interior shows supply/return vents (base vent visible near tub and wall vents in rooms) and ceiling fans, indicating a forced-air HVAC system likely present, but no HVAC unit or water heater is shown and operational status is unknown. Plumbing fixtures (sinks, toilet, tub, shower) are present; master bath plumbing appears installed. Electrical panel not shown; no visible exposed or damaged wiring. Given the visible vents and working plumbing fixtures, major systems likely exist but require verification/testing (HVAC operation, hot water, electrical panel condition), so score reflects uncertainty rather than observed failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brick envelope appears intact with even roofline and no visible major foundation issues. Front yard is fenced, walk path and steps serviceable though curb appeal is average and there is a gravel driveway and some bare patches. Backyard shows mature trees and a small outbuilding/shed; no standing water or visible erosion. Shrubs partially block windows and will need trimming. Overall exterior/site is in fair-good condition and poses few immediate inspection risks."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (life-safety devices must be present/working).",
"Incomplete bathroom finish/exposed drywall near tub (unfinished plumbing area could trigger interior health/code items and should be completed).",
"Kitchen ceiling patching visible — indicates prior ceiling repair; requires verification to ensure no active leak."
],
"confidence": 0.65,
"assumptions": [
"Forced-air HVAC exists and is connected because supply/return vents are visible in rooms and tub area; operational status unknown.",
"Water heater and electrical service are present but not pictured; hot water availability and panel condition are unverified.",
"No active roof leaks or structural foundation movement exist beyond what is visible in the photos (roof appears intact, no sagging).",
"Smoke and carbon monoxide alarms are not installed or were not photographed; inspector would likely require them if absent.",
"Kitchen is missing or not photographed appliances (stove/refrigerator); absence is considered a moderate repair item, not an automatic fail.",
"Bathroom finish work (exposed drywall near tub) is incomplete but does not indicate active water intrusion at time of photos; however it may be evidence of prior leak.",
"Electrical outlets and GFCI protection near wet areas are not clearly visible in photos and must be verified on-site."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4105 7th Ave N, Birmingham, AL, 35222",
"aggregate": {
"summary": "This is a mostly livable 2-bed/2-bath brick ranch with moderate cosmetic deferred maintenance and some unfinished bathroom work. The exterior and structure show no obvious major failures. Major unknowns are presence/operation of HVAC, water heater and electrical panel, and absence of visible smoke/CO detectors and GFCI outlets. With installation of detectors, verification of mechanical systems, completion of bathroom finishing, and installation of kitchen appliances, the home could pass an initial HCV inspection. Estimated readiness: minor-to-moderate repairs within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 61.7,
"rationale": "Interior shows functional layout but moderate deferred cosmetic work. Kitchen cabinets and ceiling show patches and wear; no stove or refrigerator visible in photos (space at right of counter). Flooring appears recently replaced in bedrooms (laminate) but living room carpet looks stained and worn. Master bathroom has new-looking fixtures (vanity, jetted tub) but finishing is incomplete around the tub and wall (exposed/unfinished areas). Minor replacement/installation items (appliances, outlet covers, paint, trim) and some flooring/carpet cleaning or replacement are required. These are largely cosmetic or capital items and should be repairable within a short remodel timeline."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick single-story façade appears structurally sound with symmetrical roofline and no visible sagging. Yard is fenced and usable with a shed; driveway shows a gravel patch but is serviceable. Shrubbery is overgrown but not threatening structure. Walkway from sidewalk to front has minor wear but no trip hazards visible. No standing water, major foundation cracks, or collapsed elements are apparent in exterior photos. Overall the site is in generally good condition with routine maintenance needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 51.7,
"rationale": "No smoke detectors or CO alarms are visible in photos; HUD/NSPIRE requires working smoke detectors in hallways and at least one on each level. Entry doors appear to have secure locks and front steps have railings, but close-up checks of deadbolts were not provided. No exposed high-voltage wiring was photographed, but there are unfinished wall areas around the master tub and behind kitchen appliances that could hide plumbing/electrical risks. GFCI protection in the kitchen/bath is not visible. Windows appear to be egress-sized in bedrooms. Plumbing fixtures (toilet, sinks) are present. Because detectors and GFCI locations are not shown and there are unfinished wall penetrations, there is moderate NSPIRE risk until those items are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof appears intact from distance photos with no visible sagging or missing large sections, but no close-up or attic photos were provided. No HVAC exterior condensing unit, furnace, or water heater is shown in images—there is a floor/wall register visible in a bedroom indicating a forced-air or central system, but operability is unconfirmed. Plumbing fixtures are present and appear intact; the bathroom renovation suggests some recent plumbing work though an unfinished wall near the tub raises concern about penetration/sealing. Electrical panel, wiring condition, and GFCI protection are not shown. Given lack of mechanical photos and some unfinished bathroom work, rate as moderate system risk that requires verification and likely minor repairs."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (required for NSPIRE).",
"Unfinished wall/penetration area around master tub (open/unfinished tile/wall) — potential for water intrusion or exposed plumbing/electrical.",
"No mechanical systems (external AC condenser or water heater) shown — heating/AC/water heater operability unverified.",
"Kitchen GFCI protection not visible and electrical panel not shown—electrical compliance unknown."
],
"confidence": 0.89,
"assumptions": [
"Photos represent the current and complete visible condition; no additional interior photos are available.",
"No HVAC condenser, furnace, or water heater photos means their location and operability are unknown; assume system may exist but needs verification.",
"No smoke or CO detectors were visible in photos; assume none are installed or present in unshown locations and will need to be installed/verified.",
"Kitchen appliances (stove/refrigerator) are not visible and likely not included; scoring treats missing appliances as moderate capital items, not automatic failures.",
"No evidence of active roof leaks, major foundation movement, or collapsed ceilings was visible; assume these critical failures are absent unless inspection reveals otherwise.",
"Electrical panel, GFCI outlets, and circuit integrity were not shown and must be verified on inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 61.0,
"rubric_version": "ns-2026-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8077340489"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.