Property ID: 8094448706
2129 Northland Ave SW, Birmingham, AL, 35211
Birmingham, AL
Money Down: $22,800
CoC Return: 18.74%
Monthly Cash Flow: $356
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,000
Closing Costs
$3,800
Total Down
$22,800
Investment Snapshot
Purchase Price
$95,000
Money Down
$22,800
Cash-on-Cash Return
18.74%
Rent
$1,049
Monthly Cash Flow
$356
Annual Cash Flow
$4,272
Debt Service / Mo
$506
Property Tax / Mo
$23
Insurance / Mo
$60
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,049
Payment Standard
$1,584
Rent
$1,049
Insurance
$60
Property Tax
$23
Management
$105
Utilities Allowance
$535
NOI (Monthly)
$862
Debt Service
$506
Cash Flow After Debt
$356
Quality Score: 74.30%
Confidence: 88.00%
Overall the property appears largely renovated and likely to pass an initial HCV/NSPIRE inspection after addressing a few code items. Cosmetic updates, new roof and HVAC (per listing) and generally clean interior point toward a quick turn-ready property. Primary inspection risks are absence/visibility of required smoke/CO detectors and window security bars that could block egress unless they have an approved quick-release. Verify electrical panel, GFCI protection in kitchen/bath, presence of water heater and operational hot water, and confirm exits and detectors before move-in. With those checks and small fixes it should be rent-ready within 1–3 weeks.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$535
Guaranteed Section 8 Rent (PS - Utilities)
$1,049
Property Management
$105
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$95,000
Beds
3
Baths
1
Living Area
856 sqft
Lot Size
6,534 sqft
Year Built
1945
Days on Market
14
Capital Outlay
$22,800
Debt Service
$506
Property Tax / Mo
$23
Insurance / Mo
$60
Property Description
Nicely updated & tenant occupied home that is great for investors. This home features 3 bedrooms & 1 full bathroom. Large front porch leads into living room & dining room area. Kitchen is spacious with good counter space. The 3 bedrooms share the full hall bathroom with tub/shower combo. The Seller has updated flooring, paint, light fixtures, kitchen cabinets, new HVAC & roof on this home. Flat backyard area.
Utility Allowances
Heating
$93
Property has electric heating ('Central (HEAT), Electric (HEAT)'). 'Elec Heat: Ala Power' was selected from the schedule as the most fitting option.
Cooling
$22
Property has electric central air conditioning ('Central (COOL), Electric (COOL)'). 'A/C: Alabama Power' was selected from the schedule.
Cooking
$21
Property has an electric stove ('Stove-Electric'). 'Elec: Ala Power' was selected from the schedule.
Water Heating
$56
Property has an electric water heater ('Electric Water Heater'). 'Elec: Ala Power' was selected from the schedule.
Other Electric
$68
Allowance for general electric usage (lights, outlets). 'Lights, Ref, Etc.: Ala Power' was selected as the most likely and highest cost option for the area.
Water
$78
Property uses public water. 'Water: Birmingham' was selected as the property is located in Birmingham.
Sewer
$151
Property is on a public sewer system ('Sewer Connected'). The fixed rate from the schedule for a 3-bedroom unit was applied.
Trash Collection
$40
Inferred for a single-family home. The most expensive option, 'Fairfield Inside City Limits (ISCL)', was chosen from the schedule as the specific provider is not listed.
Refrigerator
$0
Property includes a refrigerator, so the tenant-provided appliance allowance is $0.
Range/Microwave
$6
Property does not explicitly include a microwave, so it is treated as a tenant-owned utility cost per the fixed schedule amount.
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$574
DP3 Annual Estimate$856
DP1 Monthly Equivalent$48
DP3 Monthly Equivalent$71
Replacement Value$62,000
Basis856 sqft / 1945
Nearby Houses
Photo unavailable
2208 Mayfield Ave SW
sold · 0.03 mi
Price: $6,000
3 bd / 1 ba · 1,064 sqft
Latest sale: $6,000 on Mar 08, 2024
Latest rent: —
Photo unavailable
2212 Mayfield Ave SW
sold · 0.03 mi
Price: $107,000
4 bd / 1 ba · 1,282 sqft
Latest sale: $107,000 on Aug 16, 2024
Latest rent: $1,300 on Dec 13, 2024
Photo unavailable
2304 Mayfield Ave SW
sold · 0.05 mi
Price: $72,450
5 bd / 3 ba · 2,896 sqft
Latest sale: $72,450 on Oct 06, 2025
Latest rent: —
Photo unavailable
2308 Mayfield Ave SW
sold · 0.06 mi
Price: $54,000
3 bd / 1 ba · 1,064 sqft
Latest sale: $54,000 on Dec 19, 2024
Latest rent: $1,265 on Feb 22, 2025
Photo unavailable
1509 22nd St SW
sold · 0.07 mi
Price: $24,000
2 bd / 1 ba · 996 sqft
Latest sale: $24,000 on Jan 22, 2025
Latest rent: —
Photo unavailable
1409 24th St SW
sold · 0.08 mi
Price: $19,400
3 bd / 1 ba · 1,174 sqft
Latest sale: $19,400 on Nov 10, 2023
Latest rent: —
Photo unavailable
2036 Mayfield Ave SW
sold · 0.09 mi
Price: $82,500
4 bd / 2 ba · 1,124 sqft
Latest sale: $82,500 on Apr 21, 2025
Latest rent: $1,300 on Jun 25, 2025
Photo unavailable
1520 SW 22nd St
sold · 0.09 mi
Price: $85,000
3 bd / 2 ba · 1,536 sqft
Latest sale: $85,000 on Aug 14, 2023
Latest rent: —
Photo unavailable
1317 24th St SW
sold · 0.09 mi
Price: $8,700
3 bd / 1 ba · 1,357 sqft
Latest sale: $8,700 on Dec 04, 2025
Latest rent: —
Photo unavailable
1516 21st St SW
sold · 0.11 mi
Price: $156,900
3 bd / 2 ba · 7,536 sqft
Latest sale: $156,900 on Oct 31, 2025
Latest rent: —
Photo unavailable
1505 24th St SW
sold · 0.11 mi
Price: $65,000
3 bd / 2 ba · 1,597 sqft
Latest sale: $65,000 on May 15, 2025
Latest rent: —
Photo unavailable
1521 24th St SW
sold · 0.12 mi
Price: $55,000
3 bd / 1 ba · 912 sqft
Latest sale: $55,000 on Apr 30, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Window security bars visible on primary living/bedroom windows — may block emergency egress unless quick-release hardware is present
- No smoke detectors or carbon monoxide alarm visible in photos (NSPIRE requires working detectors in specified locations)
- GFCI protection in kitchen/bath not visible — must verify
- Electrical panel and water heater not shown/verified in photos
Assumptions
- Listing statement that HVAC and roof are new is accurate and systems were installed and operational recently.
- Photos are representative of the full interior and exterior condition (no unseen major issues elsewhere).
- Window security bars are fixed without visible quick-release mechanisms in photos and therefore are treated as potential egress hazards until verified.
- No stove or refrigerator are present in photos; owner may supply but this was treated as 'missing appliances' for scoring.
- Smoke detectors, CO alarms, electrical panel condition, GFCI outlets, and water heater were not shown in photos and are treated as unknowns requiring verification.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $267 | $71,300 | $14,260 |
| 2023 | $267 | $46,800 | $4,680 |
| 2022 | $191 | $35,900 | $3,600 |
| 2013 | $43 | $24,300 | $2,440 |
| 2012 | $43 | $21,750 | $2,175 |
| 2011 | $57 | $26,700 | $2,670 |
| 2010 | $162 | $33,100 | $3,310 |
| 2008 | $171 | $33,700 | $3,370 |
| 2007 | $169 | $33,300 | $3,330 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-10-27 | Sold | $84,900 |
| 2022-08-01 | Sold | $7,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-07-10 | Listed for rent | $1,100 | — |
| 2025-05-23 | Listed for rent | $1,200 | — |
| 2024-06-11 | Listed for rent | $1,100 | — |
| 2024-01-17 | Listed for rent | $1,200 | — |
Photo Gallery
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"parent_category": "Interior"
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"category": "Other Rooms",
"parent_category": "Interior"
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{
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"Number of Fireplaces: 0",
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"parent_category": "Interior"
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"category": "Garage and Parking",
"parent_category": "Exterior"
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{
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"High School: WENONAH",
"Middle School: JONES VALLEY"
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"category": "School Information",
"parent_category": "Community"
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"County: Jefferson",
"Directions: FROM DOWNTOWN TAKE 1ST AVE N WEST. RIGHT ON PEARSON AVE SW. LEFT ON 24TH ST SW. LEFT ON NORTHLAND AVE SW. HOME ON RIGHT.",
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{
"date": "2025-05-23",
"price": 1200,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1200,
"listing_id": "2963312259",
"last_update_date": "2025-05-23T16:04:24Z",
"last_status_change_date": "2025-06-30T20:10:39Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.0714285714285714,
"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "636844",
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},
{
"date": "2025-05-02",
"price": 95000,
"listing": {
"status": "off_market",
"list_date": "2025-05-02T21:35:12Z",
"list_price": 95000,
"listing_id": "2981367716",
"last_update_date": "2026-01-01T01:29:16Z",
"last_status_change_date": "2026-01-01T07:54:27Z"
},
"event_name": "Listed",
"price_sqft": 110.98130841121495,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21417754",
"price_change_percentage": "+11.90%"
},
{
"date": "2024-04-29",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1200,
"listing_id": "2963312259",
"last_update_date": "2025-05-23T16:04:24Z",
"last_status_change_date": "2025-06-30T20:10:39Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "636844",
"price_change_percentage": null
},
{
"date": "2024-04-04",
"price": 1100,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1200,
"listing_id": "2963312259",
"last_update_date": "2025-05-23T16:04:24Z",
"last_status_change_date": "2025-06-30T20:10:39Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.9821428571428571,
"source_name": "TenantTurner",
"price_change": -50,
"days_after_listed": null,
"source_listing_id": "636844",
"price_change_percentage": null
},
{
"date": "2024-03-27",
"price": 1150,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1200,
"listing_id": "2963312259",
"last_update_date": "2025-05-23T16:04:24Z",
"last_status_change_date": "2025-06-30T20:10:39Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 1.0267857142857142,
"source_name": "TenantTurner",
"price_change": -50,
"days_after_listed": null,
"source_listing_id": "636844",
"price_change_percentage": null
},
{
"date": "2024-01-19",
"price": 1200,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1200,
"listing_id": "2963312259",
"last_update_date": "2025-05-23T16:04:24Z",
"last_status_change_date": "2025-06-30T20:10:39Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.0714285714285714,
"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "636844",
"price_change_percentage": null
},
{
"date": "2024-01-13",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2023-07-18T02:39:25Z",
"list_price": 84900,
"listing_id": "2957786544",
"last_update_date": "2024-01-12T18:17:32Z",
"last_status_change_date": "2024-01-13T07:54:11Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1360046",
"price_change_percentage": null
},
{
"date": "2023-12-18",
"price": 84900,
"listing": null,
"event_name": "Sold",
"price_sqft": 99.1822429906542,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": "153 days",
"source_listing_id": null,
"price_change_percentage": "$0"
},
{
"date": "2023-07-18",
"price": 84900,
"listing": {
"status": "off_market",
"list_date": "2023-07-18T02:39:25Z",
"list_price": 84900,
"listing_id": "2957786544",
"last_update_date": "2024-01-12T18:17:32Z",
"last_status_change_date": "2024-01-13T07:54:11Z"
},
"event_name": "Listed",
"price_sqft": 99.1822429906542,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1360046",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "plumbing permit",
"permit_effective_date": "Jun 9, 1999",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8094448706",
"generated_at": "2026-02-16T02:44:04.579590Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 74.3
},
"utility_allowance": {
"zip_code": "35211",
"home_photo": "https://ap.rdcpix.com/9878328d99171d5651c50b4baf7c8b51l-m3017709735s-w1280.jpg",
"rent_price": 1049.0,
"loan_amount": 76000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2129-Northland-Ave-SW_Birmingham_AL_35211_M80944-48706",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 95000.0,
"loan_term_years": 30,
"annual_cash_flow": 10339.19,
"mortgage_monthly": 505.63,
"payment_standard": 1584.0,
"total_amount_out": 19000.0,
"additional_photos": [
"https://ap.rdcpix.com/9878328d99171d5651c50b4baf7c8b51l-m1373101609s-w1280.jpg",
"https://ap.rdcpix.com/9878328d99171d5651c50b4baf7c8b51l-m3855484304s-w1280.jpg",
"https://ap.rdcpix.com/9878328d99171d5651c50b4baf7c8b51l-m3008485231s-w1280.jpg",
"https://ap.rdcpix.com/9878328d99171d5651c50b4baf7c8b51l-m275839785s-w1280.jpg",
"https://ap.rdcpix.com/9878328d99171d5651c50b4baf7c8b51l-m960250759s-w1280.jpg",
"https://ap.rdcpix.com/9878328d99171d5651c50b4baf7c8b51l-m3820202845s-w1280.jpg",
"https://ap.rdcpix.com/9878328d99171d5651c50b4baf7c8b51l-m4271348716s-w1280.jpg",
"https://ap.rdcpix.com/9878328d99171d5651c50b4baf7c8b51l-m124966201s-w1280.jpg",
"https://ap.rdcpix.com/9878328d99171d5651c50b4baf7c8b51l-m226822419s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 59.58,
"monthly_cash_flow": 861.6,
"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 electric heating ('Central (HEAT), Electric (HEAT)'). 'Elec Heat: Ala Power' was selected from the schedule as the most fitting option.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has electric central air conditioning ('Central (COOL), Electric (COOL)'). 'A/C: Alabama Power' was selected from the schedule.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has an electric stove ('Stove-Electric'). 'Elec: Ala Power' was selected from the schedule.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property has an electric water heater ('Electric Water Heater'). 'Elec: Ala Power' was selected from the schedule.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Allowance for general electric usage (lights, outlets). 'Lights, Ref, Etc.: Ala Power' was selected as the most likely and highest cost option for the area.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property uses public water. 'Water: Birmingham' was selected as the property is located in Birmingham.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is on a public sewer system ('Sewer Connected'). The fixed rate from the schedule for a 3-bedroom unit was applied.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Inferred for a single-family home. The most expensive option, 'Fairfield Inside City Limits (ISCL)', was chosen from the schedule as the specific provider is not listed.",
"utility": "Trash Collection",
"allowance": 40
},
{
"note": "Property includes a refrigerator, so the tenant-provided appliance allowance is $0.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Property does not explicitly include a microwave, so it is treated as a tenant-owned utility cost per the fixed schedule amount.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.54,
"down_payment_amount": 19000.0,
"property_tax_annual": 275.01,
"property_tax_monthly": 22.92,
"property_tax_increase": 0.03,
"utility_allowance_total": 535.0,
"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": 4271.63,
"property_management_monthly": 104.9,
"monthly_cash_flow_after_debt": 355.97,
"cash_on_cash_return_after_debt": 0.22
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears largely renovated and likely to pass an initial HCV/NSPIRE inspection after addressing a few code items. Cosmetic updates, new roof and HVAC (per listing) and generally clean interior point toward a quick turn-ready property. Primary inspection risks are absence/visibility of required smoke/CO detectors and window security bars that could block egress unless they have an approved quick-release. Verify electrical panel, GFCI protection in kitchen/bath, presence of water heater and operational hot water, and confirm exits and detectors before move-in. With those checks and small fixes it should be rent-ready within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show recent cosmetic updates (new vinyl plank flooring, fresh paint, new light fixtures, updated kitchen cabinets, new bathroom vanity). Exterior siding and porch appear maintained. Missing kitchen appliances (no stove or refrigerator shown) and some minor paint/finish chipping on porch steps and foundation block edges reduce turnkey score moderately. No visible major interior damage or collapsed finishes."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (required by NSPIRE). Several windows have fixed/security bars that may impede bedroom egress unless they have a quick-release – this is a potential fail. Entry has a security door and knob but no visible deadbolt in photos. No obvious exposed wiring, visible ceiling or floor structural failure, or standing water. GFCI presence in kitchen/bath is not visible (potential item to verify). Plumbing fixtures appear functional. Overall moderate inspection risk due to missing/uncertain detectors and window bars."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 75.0,
"rationale": "Listing states and photos support a newer roof (back photo shows recent shingles) and listing indicates new HVAC; interior registers/thermostat visible. Bathroom fixtures and kitchen sink appear new. Electrical panel, water heater, and drainage details are not shown and must be verified; absence of visible issues and seller notes reduce risk. Systems appear functional but some critical items are unverified from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Vinyl siding and roof look in good condition. Yard is flat as described; chain-link fence visible in rear. Front porch/steps are serviceable though paint is worn/chipped in places. Vegetation is close to the structure and should be trimmed. No visible standing water, major foundation cracks, or collapsed exterior elements in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Window security bars visible on primary living/bedroom windows — may block emergency egress unless quick-release hardware is present",
"No smoke detectors or carbon monoxide alarm visible in photos (NSPIRE requires working detectors in specified locations)",
"GFCI protection in kitchen/bath not visible — must verify",
"Electrical panel and water heater not shown/verified in photos"
],
"confidence": 0.72,
"assumptions": [
"Listing statement that HVAC and roof are new is accurate and systems were installed and operational recently.",
"Photos are representative of the full interior and exterior condition (no unseen major issues elsewhere).",
"Window security bars are fixed without visible quick-release mechanisms in photos and therefore are treated as potential egress hazards until verified.",
"No stove or refrigerator are present in photos; owner may supply but this was treated as 'missing appliances' for scoring.",
"Smoke detectors, CO alarms, electrical panel condition, GFCI outlets, and water heater were not shown in photos and are treated as unknowns requiring verification."
],
"overall_score": 79.0,
"rubric_version": "ns-pire-v1.0"
},
{
"summary": "Overall this 3BR/1BA bungalow appears largely updated and close to Section 8 rent-ready: new-looking roof and HVAC (per listing), fresh interior finishes, functioning plumbing fixtures, and secure exterior features. The main inspection risks are safety items that cannot be confirmed from photos — notably window security bars that could block egress if not quick-release, and no visible smoke/CO detectors or confirmed GFCI protection. Missing kitchen appliances reduce turnkey readiness moderately but are repair-level items. With quick corrective actions (install/verify detectors, confirm GFCI, verify window-bar quick-release or remove/modify, provide/confirm stove & fridge, confirm electrical panel & hot water), the unit is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently renovated: new-looking laminate flooring, fresh paint, updated light fixtures, new cabinets and countertop surfaces. Bathroom vanity and tub/shower appear in good condition. Exterior paint on porch steps and some trim shows minor wear. No visible major cosmetic damage. Photos do not show a stove or refrigerator (space present) — missing appliances reduce turnkey readiness moderately but are not structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Visible positives: secure entry door with metal security door and functioning porch railings. No exposed wiring or obvious water intrusion in photos. Concerns: multiple bedroom windows show fixed metal security bars that may block emergency egress unless they have an interior quick-release (release not visible) — potential NSPIRE fail. No smoke detectors or CO alarm are visible in the photos (required). GFCI presence in kitchen/bath is not confirmed (bath outlet appears to be a standard receptacle). These unresolved safety items present a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.0,
"rationale": "Listing states a new HVAC and new roof; roof photo and roof vents appear consistent with recent replacement. Interior finishes show functioning plumbing fixtures (sink, tub/shower, toilet). Electrical panel and water heater are not shown. No visible active leaks, sagging ceilings, or major plumbing failures in photos. Unknowns (panel condition, hot water availability) reduce the score slightly despite the positive new HVAC/roof."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior siding and foundation appear intact; fenced, flat backyard noted in listing and shown in photos. Porch has secure railings and steps with a handrail. Yard and walkways show normal wear but no standing water, major grading problems, or visible infestation. Some cosmetic wear to porch paint and small vegetation near foundation but no evident structural issues."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Window security bars visible on bedroom windows — potential egress violation if not quick-release (possible NSPIRE fail).",
"No visible smoke detectors / carbon monoxide alarm in photos — required for pass.",
"No confirmed GFCI-protected outlets in kitchen/bath (bath receptacle appears standard) — possible safety/code issue.",
"Stove and refrigerator not visible in listing photos — missing appliances reduce move-in readiness (repair-level)."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that HVAC and roof are new is accurate and both systems are operational.",
"Water heater and electrical service are present and functional though not shown in photos.",
"Window security bars visible are fixed from the photo perspective; it is unknown whether they have an interior quick-release mechanism.",
"Smoke detectors, CO alarms, and GFCI protection are not visible in provided photos and therefore are assumed absent or unverified.",
"Tenant occupancy (MLS indicates 'present') means some appliances could be present but were not visible in the provided photos; absence in photos treated as likely missing."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely turnkey for Section 8/HCV with recent interior updates, a visible new roof and stated new HVAC. The unit is likely to pass an initial inspection after addressing a few likely checklist items: verify and install/confirm working smoke and CO detectors, ensure bedroom windows provide compliant egress (remove or retrofit security bars with quick‑release), and supply or document required kitchen appliances (range/refrigerator) if the local PHA requires them. No major structural or systems failures are evident from photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show fresh paint, new-looking laminate flooring, updated light fixtures, new cabinets and countertops, and an updated bathroom vanity — overall cosmetic rehab appears complete. Missing major appliances (no range or refrigerator visible) reduces turnkey readiness moderately but is not a structural failure. Minor exterior paint/chipping on porch steps and trim visible. Overall only minor, easy-to-fix items remain."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No active life‑threatening hazards visible (no collapsed ceilings, major stains, or exposed wiring). Entry door has a security screen and appears secure. However, smoke and carbon monoxide detectors are not visible in photos (required by NSPIRE/local code). Several windows (including what appear to be bedroom windows) have fixed security bars — if they are not quick‑release they will fail egress requirements. GFCI presence in kitchen/bath cannot be confirmed. Because egress bars and missing detectors are inspection risks, score reduced to reflect likely minor-to-moderate corrections needed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 80.0,
"rationale": "Listing and photos show a newer roof (roof appears in good condition in exterior photo) and the description states new HVAC; a ceiling return vent is visible. Visible plumbing fixtures (kitchen sink, bathroom vanity, tub/shower) appear intact. Electrical panel not shown but visible outlets and switches have cover plates; no exposed wiring seen. Water heater not shown. Overall systems appear recently updated and functional but key items (water heater, electrical panel, GFCI) cannot be fully verified from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Vinyl siding and foundation look intact; lot is flat with chain-link fencing and a functioning front porch. Newer roof visible. Steps and porch are serviceable though paint is worn in areas. No visible standing water, significant drainage issues, or major exterior structural cracks. Landscaping overgrowth near porch could be trimmed. Overall exterior is in good, rentable condition with only minor site maintenance needed."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (bonus - excluded from overall)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Security bars on windows (including likely bedroom windows) that may block required egress — potential inspection fail unless quick‑release or removed.",
"No visible smoke detectors or carbon monoxide detectors in photos — required by NSPIRE/local code and must be verified/installed prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Seller listing statement that roof and HVAC are new is accurate and both are serviceable.",
"Water heater and main electrical panel exist and are functional but were not shown in photos.",
"Smoke and carbon monoxide detectors are not visible in supplied photos; they may be present but not shown.",
"Window security bars shown may be fixed or removable; photos do not show quick‑release hardware — assumed to be a potential egress issue until verified.",
"Appliances (range/refrigerator) are not present in photos; assumed not included or not shown and would need to be provided or verified.",
"No evidence of hidden active leaks, mold, foundation movement, or pest infestation inferred from the visible surfaces — if any severe hidden issues exist, they would reduce scores significantly."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2129 Northland Ave SW, Birmingham, AL, 35211",
"aggregate": {
"summary": "Overall the property appears largely renovated and likely to pass an initial HCV/NSPIRE inspection after addressing a few code items. Cosmetic updates, new roof and HVAC (per listing) and generally clean interior point toward a quick turn-ready property. Primary inspection risks are absence/visibility of required smoke/CO detectors and window security bars that could block egress unless they have an approved quick-release. Verify electrical panel, GFCI protection in kitchen/bath, presence of water heater and operational hot water, and confirm exits and detectors before move-in. With those checks and small fixes it should be rent-ready within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.7,
"rationale": "Interior photos show recent cosmetic updates (new vinyl plank flooring, fresh paint, new light fixtures, updated kitchen cabinets, new bathroom vanity). Exterior siding and porch appear maintained. Missing kitchen appliances (no stove or refrigerator shown) and some minor paint/finish chipping on porch steps and foundation block edges reduce turnkey score moderately. No visible major interior damage or collapsed finishes."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 81.0,
"rationale": "Vinyl siding and roof look in good condition. Yard is flat as described; chain-link fence visible in rear. Front porch/steps are serviceable though paint is worn/chipped in places. Vegetation is close to the structure and should be trimmed. No visible standing water, major foundation cracks, or collapsed exterior elements in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 61.7,
"rationale": "No smoke detectors or CO alarms are visible in photos (required by NSPIRE). Several windows have fixed/security bars that may impede bedroom egress unless they have a quick-release – this is a potential fail. Entry has a security door and knob but no visible deadbolt in photos. No obvious exposed wiring, visible ceiling or floor structural failure, or standing water. GFCI presence in kitchen/bath is not visible (potential item to verify). Plumbing fixtures appear functional. Overall moderate inspection risk due to missing/uncertain detectors and window bars."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 76.7,
"rationale": "Listing states and photos support a newer roof (back photo shows recent shingles) and listing indicates new HVAC; interior registers/thermostat visible. Bathroom fixtures and kitchen sink appear new. Electrical panel, water heater, and drainage details are not shown and must be verified; absence of visible issues and seller notes reduce risk. Systems appear functional but some critical items are unverified from photos."
}
],
"red_flags": [
"Window security bars visible on primary living/bedroom windows — may block emergency egress unless quick-release hardware is present",
"No smoke detectors or carbon monoxide alarm visible in photos (NSPIRE requires working detectors in specified locations)",
"GFCI protection in kitchen/bath not visible — must verify",
"Electrical panel and water heater not shown/verified in photos"
],
"confidence": 0.88,
"assumptions": [
"Listing statement that HVAC and roof are new is accurate and systems were installed and operational recently.",
"Photos are representative of the full interior and exterior condition (no unseen major issues elsewhere).",
"Window security bars are fixed without visible quick-release mechanisms in photos and therefore are treated as potential egress hazards until verified.",
"No stove or refrigerator are present in photos; owner may supply but this was treated as 'missing appliances' for scoring.",
"Smoke detectors, CO alarms, electrical panel condition, GFCI outlets, and water heater were not shown in photos and are treated as unknowns requiring verification."
],
"score_method": "mean_of_criteria",
"overall_score": 74.3,
"rubric_version": "ns-pire-v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8094448706"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.