Property ID: 8113636751
6112 Blocton Ave, Birmingham, AL, 35228
Birmingham, AL
Money Down: $15,576
CoC Return: 35.01%
Monthly Cash Flow: $454
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$12,980
Closing Costs
$2,596
Total Down
$15,576
Investment Snapshot
Purchase Price
$64,900
Money Down
$15,576
Cash-on-Cash Return
35.01%
Rent
$1,069
Monthly Cash Flow
$454
Annual Cash Flow
$5,454
Debt Service / Mo
$345
Property Tax / Mo
$98
Insurance / Mo
$64
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,069
Payment Standard
$1,584
Rent
$1,069
Insurance
$64
Property Tax
$98
Management
$107
Utilities Allowance
$515
NOI (Monthly)
$800
Debt Service
$345
Cash Flow After Debt
$454
Quality Score: 63.10%
Confidence: 84.00%
Overall the property appears moderately well-maintained with cosmetic updates and working appliances present. Primary inspection risks are safety/code items that require verification and likely minor repairs: window security bars (egress), lack of visible GFCI in the kitchen, ceiling staining that indicates a past or possible active leak, and unknown condition/operation of HVAC and water heater. If the egress bars are quick-release, GFCI is installed or added, and basic system checks confirm hot water and heating, this home would likely pass an initial HCV/NSPIRE inspection after addressing minor repairs and yard cleanup — turn-key within ~2–4 weeks. Current overall readiness score: 70/100.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$1,069
Property Management
$107
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$64,900
Beds
3
Baths
1
Living Area
1,460 sqft
Lot Size
6,534 sqft
Year Built
1950
Days on Market
201
Capital Outlay
$15,576
Debt Service
$345
Property Tax / Mo
$98
Insurance / Mo
$64
Property Description
Charming single-story 3-bedroom, 1-bathroom single-family home with an attached carport offering one covered parking space. The interior features luxury vinyl plank flooring throughout the common areas and bedrooms, providing both durability and style. The kitchen offers ample counter space, perfect for meal preparation and storage. This well-maintained home combines functionality and comfort in a convenient layout.
Utility Allowances
Heating
$93
Property has electric heating. Selected 'Elec Heat: Ala Power' as it's a likely provider for Birmingham and the most expensive electric option.
Cooling
$22
Property has central air conditioning. Selected 'A/C: Alabama Power' as it's a likely provider for Birmingham and the most expensive option.
Water Heating
$56
Property has an electric water heater. Selected 'Elec: Ala Power' as it's a likely provider for Birmingham and the most expensive electric option.
Cooking
$21
Property has an electric stove. Selected 'Elec: Ala Power' as it's a likely provider for Birmingham and the most expensive electric option.
Other Electric
$68
Allowance for lights and electricity for landlord-provided appliances. Selected 'Lights, Ref, Etc.: Ala Power' as the most likely provider in Birmingham and the most expensive option.
Water
$78
Property uses public water. Selected 'Water: Birmingham' based on the property's city.
Sewer
$151
Property is connected to a public sewer system. The utility schedule provides a single fixed rate for a 3-bedroom unit.
Trash Collection
$20
Trash collection is assumed for a single-family home. Selected 'Jefferson City (Once per week)' as the property is within Jefferson County.
Range/Microwave
$6
A microwave is not listed as a provided appliance. Allowance for a tenant-owned microwave is included based on the schedule's fixed rate.
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$624
DP3 Annual Estimate$918
DP1 Monthly Equivalent$52
DP3 Monthly Equivalent$76
Replacement Value$72,800
Basis1,460 sqft / 1950
Nearby Houses
Photo unavailable
6125 Blocton Ave
sold · 0.04 mi
Price: $7,500
3 bd / 1 ba · 1,344 sqft
Latest sale: $7,500 on Nov 12, 2020
Latest rent: —
Photo unavailable
6009 Jesse Owens Ave
sold · 0.14 mi
Price: $16,000
2 bd / 1 ba · 1,480 sqft
Latest sale: $16,000
Latest rent: —
Photo unavailable
6117 Patton Ave
for_sale · 0.15 mi
Price: $65,000
3 bd / 2 ba · 1,015 sqft
Latest sale: $75,044 on Feb 14, 2022
Latest rent: $1,100 on Jul 25, 2024
Photo unavailable
109 Dolomite Ave
sold · 0.16 mi
Price: $67,000
1 bd / 2 ba · 1,312 sqft
Latest sale: $67,000
Latest rent: —
Photo unavailable
5920 Woodward Ave
sold · 0.17 mi
Price: $62,000
3 bd / 2 ba · 1,355 sqft
Latest sale: $62,000 on Sep 28, 2023
Latest rent: —
Photo unavailable
121 Patton Ave Unit 1
sold · 0.19 mi
Price: $7,600
— bd / — ba
Latest sale: $7,600
Latest rent: —
Photo unavailable
5908 Woodward Ave
for_sale · 0.20 mi
Price: $69,000
3 bd / 1 ba · 1,377 sqft
Latest sale: $13,597 on May 05, 2022
Latest rent: —
Photo unavailable
131 Houston Dr
sold · 0.21 mi
Price: $37,000
3 bd / 1 ba · 1,338 sqft
Latest sale: $37,000 on Dec 21, 2022
Latest rent: —
Photo unavailable
119 Parker Springs St
sold · 0.22 mi
Price: $65,000
3 bd / 1 ba · 1,140 sqft
Latest sale: $65,000
Latest rent: —
Photo unavailable
117 Parker Springs St Lot 9
sold · 0.22 mi
Price: $5,500
— bd / — ba
Latest sale: $5,500
Latest rent: —
Photo unavailable
141 Houston Dr
sold · 0.24 mi
Price: $10,100
2 bd / 1 ba · 912 sqft
Latest sale: $10,100 on Aug 27, 2018
Latest rent: —
Photo unavailable
123 Houston Dr
sold · 0.25 mi
Price: $6,000
2 bd / 1 ba · 720 sqft
Latest sale: $6,000 on Aug 14, 2020
Latest rent: —
Photo unavailable
145 Houston Dr
sold · 0.27 mi
Price: $20,000
3 bd / 1 ba · 1,392 sqft
Latest sale: $20,000 on Jan 18, 2019
Latest rent: $995 on Jan 14, 2019
Risk and Criteria Detail
Red Flags
- success
- Window security bars potentially restricting emergency egress (must verify quick-release).
- No visible GFCI protection at kitchen sink outlet (inspection-fail condition).
- Ceiling discoloration/staining in living area — possible past or active water leak requiring investigation.
- No major systems (electrical panel, water heater, HVAC unit) shown in photos — operational status unverified and must be confirmed prior to inspection.
Assumptions
- Window security bars are fixed and their quick-release status is unknown; assessment assumes possibility they may restrict egress unless confirmed otherwise.
- Smoke detector presence was confirmed by one visible unit; additional detectors (bedrooms/hall) are assumed not verified and may need installation.
- No carbon monoxide alarm was visible in photos; assume none present and that one will be required if fossil-fuel appliances exist.
- HVAC and water heater exist but their operational status is not shown; assessment assumes typical functioning for a recently rented property but flags need for verification.
- Kitchen outlets visible are standard (non-GFCI); assume GFCI protection is absent near sink unless confirmed.
- Appliances (refrigerator and electric stove) are present and assumed serviceable though cosmetically worn.
- Rental history is present (3 events in last 5 years, last event 2025-04-09); used as a positive bonus in overall readiness.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,141 | $78,700 | $15,740 |
| 2023 | $1,036 | $71,500 | $14,300 |
| 2022 | $772 | $53,300 | $10,660 |
| 2021 | $772 | $53,300 | $10,660 |
| 2020 | $829 | $57,200 | $10,660 |
| 2019 | $829 | $57,200 | $11,440 |
| 2018 | $707 | $48,800 | $9,760 |
| 2016 | $707 | $48,800 | $9,760 |
| 2015 | $707 | $48,800 | $9,760 |
| 2013 | $682 | $48,000 | $9,600 |
| 2012 | $682 | $48,000 | $9,600 |
| 2011 | $693 | $48,800 | $9,760 |
| 2010 | $693 | $48,800 | $9,760 |
| 2009 | $693 | $48,800 | $9,760 |
| 2008 | $710 | $50,000 | $10,000 |
| 2007 | $665 | $46,800 | $9,360 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-01-19 | Sold | $51,250 |
| 2022-07-14 | Sold | $29,000 |
| 2020-08-25 | Sold | $10,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-04-09 | Listed for rent | $995 | — |
| 2023-12-19 | Listed for rent | $1,095 | — |
| 2023-11-07 | Listed for rent | $1,200 | — |
Photo Gallery
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"parent_category": "Interior"
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"category": "Heating and Cooling",
"parent_category": "Interior"
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{
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"parent_category": "Exterior"
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"Lot Size Square Feet: 6534"
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"category": "Exterior and Lot Features",
"parent_category": "Exterior"
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{
"text": [
"Elementary School: OXMOOR VALLEY",
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"year": 2007,
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"assessment": {
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}
}
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{
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},
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},
{
"date": "2025-04-10",
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"listing": {
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"list_price": 949,
"listing_id": "2980385623",
"last_update_date": "2025-04-25T21:07:13Z",
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},
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},
{
"date": "2024-01-12",
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"listing": {
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"list_date": "2023-11-07T18:09:20Z",
"list_price": 990,
"listing_id": "2961424751",
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"last_status_change_date": "2024-01-12T22:04:55Z"
},
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},
{
"date": "2024-01-11",
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{
"date": "2024-01-09",
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},
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},
{
"date": "2024-01-05",
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},
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},
{
"date": "2023-12-21",
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},
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},
{
"date": "2023-12-19",
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},
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},
{
"date": "2023-11-10",
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},
{
"date": "2023-11-07",
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{
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{
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{
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{
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{
"date": "2022-07-14",
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],
"building_permits_history": [
{
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"permit_status": "Complete",
"permit_type_of_work": "Gas permit",
"permit_effective_date": "Nov 1, 2012",
"permit_project_type_1": "Plumbing",
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}
]
}
},
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},
"property_id": "8113636751",
"generated_at": "2026-02-16T03:36:43.772300Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
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"eligible": true,
"min_score": 60.0,
"overall_score": 63.1
},
"utility_allowance": {
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"home_photo": "https://ap.rdcpix.com/611ac57a4ebd236e99fd1cbc31959ed6l-m2596122985s-w1280.jpg",
"rent_price": 1069.0,
"loan_amount": 51920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/6112-Blocton-Ave_Birmingham_AL_35228_M81136-36751",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 64900.0,
"loan_term_years": 30,
"annual_cash_flow": 9598.97,
"mortgage_monthly": 345.43,
"payment_standard": 1584.0,
"total_amount_out": 12980.0,
"additional_photos": [
"https://ap.rdcpix.com/611ac57a4ebd236e99fd1cbc31959ed6l-m942785657s-w1280.jpg",
"https://ap.rdcpix.com/611ac57a4ebd236e99fd1cbc31959ed6l-m825514695s-w1280.jpg",
"https://ap.rdcpix.com/611ac57a4ebd236e99fd1cbc31959ed6l-m269218510s-w1280.jpg",
"https://ap.rdcpix.com/611ac57a4ebd236e99fd1cbc31959ed6l-m2415388449s-w1280.jpg",
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"https://ap.rdcpix.com/611ac57a4ebd236e99fd1cbc31959ed6l-m600837239s-w1280.jpg",
"https://ap.rdcpix.com/611ac57a4ebd236e99fd1cbc31959ed6l-m1869990520s-w1280.jpg",
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],
"down_payment_rate": 0.2,
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"monthly_cash_flow": 799.91,
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"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has electric heating. Selected 'Elec Heat: Ala Power' as it's a likely provider for Birmingham and the most expensive electric option.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has central air conditioning. Selected 'A/C: Alabama Power' as it's a likely provider for Birmingham and the most expensive option.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has an electric water heater. Selected 'Elec: Ala Power' as it's a likely provider for Birmingham and the most expensive electric option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Property has an electric stove. Selected 'Elec: Ala Power' as it's a likely provider for Birmingham and the most expensive electric option.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Allowance for lights and electricity for landlord-provided appliances. Selected 'Lights, Ref, Etc.: Ala Power' as the most likely provider in Birmingham and the most expensive option.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property uses public water. Selected 'Water: Birmingham' based on the property's city.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is connected to a public sewer system. The utility schedule provides a single fixed rate for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash collection is assumed for a single-family home. Selected 'Jefferson City (Once per week)' as the property is within Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A microwave is not listed as a provided appliance. Allowance for a tenant-owned microwave is included based on the schedule's fixed rate.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.74,
"down_payment_amount": 12980.0,
"property_tax_annual": 1175.23,
"property_tax_monthly": 97.94,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": 5453.87,
"property_management_monthly": 106.9,
"monthly_cash_flow_after_debt": 454.49,
"cash_on_cash_return_after_debt": 0.42
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears moderately well-maintained with cosmetic updates and working appliances present. Primary inspection risks are safety/code items that require verification and likely minor repairs: window security bars (egress), lack of visible GFCI in the kitchen, ceiling staining that indicates a past or possible active leak, and unknown condition/operation of HVAC and water heater. If the egress bars are quick-release, GFCI is installed or added, and basic system checks confirm hot water and heating, this home would likely pass an initial HCV/NSPIRE inspection after addressing minor repairs and yard cleanup — turn-key within ~2–4 weeks. Current overall readiness score: 70/100.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior finishes are recently updated (LVP flooring, painted walls) and the property appears generally maintained. Visible issues include worn/peeling cabinet faces and countertop edge in the kitchen, tile grout and baseboard gaps, floor damage/peeling in a few places, and concrete/porch step wear. Appliances (refrigerator and electric range) are present but show wear. These are mostly cosmetic or moderate repairs that can be addressed with limited scope work and do not in themselves indicate major structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Smoke detector is visible in interior photos (positive). However there are several potential NSPIRE risks: multiple windows have security bars which may impede emergency egress if not quick-release (cannot confirm quick-release from photos), there is no visible kitchen GFCI-protected outlet near the sink (visible outlet appears standard), and no carbon-monoxide alarm is visible. Ceiling discoloration/staining in one room suggests prior or current water intrusion that must be confirmed. Entry door appears to have a lock but deadbolt presence cannot be confirmed. No obviously exposed wiring was observed. These items create moderate inspection risk and would likely require corrective work before pass if egress or GFCI/CO issues exist."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 60.0,
"rationale": "Roof shingles and gutters appear in serviceable condition from exterior photos (no obvious sagging or missing shingles). Kitchen fixtures are present and appear functional but aged (sink, faucet, electric stove, refrigerator). No water heater, electrical panel, or HVAC equipment is shown in photos; a ceiling vent/register is visible indicating some ducting/forced-air may exist but operability is unknown. Because major systems are not directly shown, a moderate score is assigned assuming typical functional condition for a recently rented 1950 house — however these systems require verification (hot water, heating/cooling operation, electrical panel condition)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior envelope (siding, trim) looks intact; gutters and downspouts present. Front porch and railing are intact though concrete steps show wear and some surface cracking. Driveway is cracked but functional and leads to a covered carport. Yard is overgrown and needs maintenance but no standing water is evident in photos. Vegetation close to the foundation should be trimmed. No visible active foundation movement or major exterior structural failure observed."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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 potentially restricting emergency egress (must verify quick-release).",
"No visible GFCI protection at kitchen sink outlet (inspection-fail condition).",
"Ceiling discoloration/staining in living area — possible past or active water leak requiring investigation.",
"No major systems (electrical panel, water heater, HVAC unit) shown in photos — operational status unverified and must be confirmed prior to inspection."
],
"confidence": 0.65,
"assumptions": [
"Window security bars are fixed and their quick-release status is unknown; assessment assumes possibility they may restrict egress unless confirmed otherwise.",
"Smoke detector presence was confirmed by one visible unit; additional detectors (bedrooms/hall) are assumed not verified and may need installation.",
"No carbon monoxide alarm was visible in photos; assume none present and that one will be required if fossil-fuel appliances exist.",
"HVAC and water heater exist but their operational status is not shown; assessment assumes typical functioning for a recently rented property but flags need for verification.",
"Kitchen outlets visible are standard (non-GFCI); assume GFCI protection is absent near sink unless confirmed.",
"Appliances (refrigerator and electric stove) are present and assumed serviceable though cosmetically worn.",
"Rental history is present (3 events in last 5 years, last event 2025-04-09); used as a positive bonus in overall readiness."
],
"overall_score": 70.0,
"rubric_version": "2026-02-hud-nspire-v1"
},
{
"summary": "This 3BR/1BA single-family appears mostly livable and cosmetically refreshed with appliances present and intact exterior. Primary NSPIRE risks are window security bars that may block emergency egress, interior ceiling staining consistent with prior/possible roof leaks, and lack of visible GFCI protection in the kitchen and unconfirmed CO detector coverage. Mechanical systems are plausible (thermostat/vents visible) but not fully verified. With targeted safety corrections (egress bar quick-release or removal, confirm/repair roof leaks, install GFCI and CO alarm, verify HVAC and water heater operation) and minor cosmetic touch-ups, the property is likely to pass an initial HCV/NSPIRE inspection within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Overall interior and exterior appear recently refreshed (newer-looking luxury vinyl plank flooring, painted walls, working appliances present). Observable cosmetic issues include worn/peeling kitchen countertops and cabinet edges, some floor surface staining and a few lifted planks, chipped porch steps, cracked driveway and overgrown yard. Appliances (range and refrigerator) are present which reduces penalty. These are mostly cosmetic and moderate repairs that can be completed quickly."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 50.0,
"rationale": "Multiple safety risks visible: security bars on almost every window (including bedrooms/front windows) present a likely egress/egress-release concern unless they have quick-release inside; no evidence of quick-release hardware is visible. Ceiling shows staining/wood discoloration in multiple photos (potential past or ongoing water intrusion). Kitchen shows standard outlets but no visible GFCI-protected receptacle near sink (NSPIRE requires GFCI in kitchens). A smoke detector is visible in one photo but coverage of all sleeping areas and presence of CO alarm are not confirmed. No exposed wiring or major electrical hazards are obvious. These items create moderate-to-significant NSPIRE risk; remediation (install quick-release egress bars or remove bars, add GFCI, confirm/repair roof leaks, add CO alarm) is likely required for pass."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 55.0,
"rationale": "Roof shingles appear intact from front exterior photos and gutters/downspouts are present which is positive. However ceiling staining and peeling paint on the interior wood ceiling indicate prior or current moisture intrusion — signaling a possible roof or flashing issue requiring investigation. A thermostat and ceiling vent are visible suggesting central HVAC, but no condenser/furnace or water heater is shown so operation cannot be confirmed. Electrical panel and water heater not photographed. Plumbing fixtures (kitchen sink) appear in place with no visible active leaks in photos. Systems likely functional but unverified; some medium-priority inspections/repairs expected (roof leak repair if active, HVAC operational test, water heater verification)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior siding, roofline and porch appear structurally intact and the carport provides covered parking. Concrete driveway and walkway have cracks and the front yard is overgrown and needs cleanup. Porch steps show wear but handrail and porch guardrails are present. There is no visible standing water or major foundation displacement in photos. Overall the exterior is functional but needs yard maintenance, minor concrete repairs and porch step refurbishment to meet rental-ready standards."
},
{
"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 on many windows that likely impede emergency egress (must have quick-release or be removed).",
"Interior ceiling staining and wood/plank discoloration indicating possible roof leak or active moisture intrusion.",
"No visible GFCI-protected receptacle in kitchen near sink (electrical safety/code deficiency for kitchens).",
"CO alarm presence not confirmed (required where fuel-burning appliances or attached garages exist)."
],
"confidence": 0.75,
"assumptions": [
"Security bars on windows do not visibly show quick-release hardware in photos; assume they may restrict emergency egress unless proven otherwise.",
"HVAC system exists (thermostat and ceiling vent visible) but its operational status is unknown; assume it may function but requires verification.",
"Water heater and electrical service/panel are present but not photographed; assume typical utilities exist but need confirmation.",
"Ceiling staining is assumed to be from prior or intermittent roof leaks based on discoloration and wood/plank gaps; extent of active leaking is unknown.",
"Kitchen outlet visible is not GFCI type; assume GFCI protection is not installed on all required circuits until proven.",
"Appliances shown (range and refrigerator) are present and assumed operable unless inspection determines otherwise."
],
"overall_score": 62.0,
"rubric_version": "nsPIRE_v1.0_property_snapshot_2026-02"
},
{
"summary": "Overall this single‑family home appears largely cosmetically updated and could be made Section 8 / NSPIRE‑ready with targeted repairs. Main risks are bedroom window security bars (egress compliance), kitchen GFCI/unknown electrical protections, and ceiling staining indicating possible past/active water intrusion that should be investigated. Mechanical systems (heating/HW/electrical panel) were not documented in photos and should be verified operational. With 1–4 small to moderate repairs and confirmation of egress/GFCI and HVAC/hot water, the unit is likely passable within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 72.0,
"rationale": "Interior appears recently painted with new luxury vinyl plank installed in most rooms; cosmetic wear, a few damaged/loose planks and scuffing visible. Kitchen has functional appliances present (stove & fridge) but cabinets, countertops and trim show edge damage and peeling; tile floor in kitchen shows grout/dirt. Exterior paint and siding are generally intact; front porch steps have surface cracking and paint wear. Overall mostly cosmetic and medium-effort repairs (cabinet & countertop patching, a few floor plank replacements, repainting, porch step repair)."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 55.0,
"rationale": "A smoke detector is visible in a main area. Windows in sleeping areas are fitted with security bars; egress compliance is unclear—if bars are not releasable from the inside this will fail NSPIRE. No visible exposed wiring or damaged electrical fixtures in photos. No visible CO alarm. Kitchen outlet near sink is not visibly GFCI-protected. There are small step changes between rooms (one area has several steps down with a railing present) which could be a trip hazard if railings or treads are loose. Ceilings show staining/peeling paint in places (possible past/ongoing water intrusion)."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 60.0,
"rationale": "Roof shingles and gutters appear in good condition from exterior photos (no obvious sag or large missing areas). A thermostat and ceiling vent are visible indicating some HVAC distribution, but no heating or hot-water equipment photos provided. Kitchen plumbing fixtures appear present; double sink visible. Electrical panel is not shown. Given limited system visibility, assume serviceable but unverified; absence of visible water heater, furnace, or panel is a moderate inspection risk until confirmed operational."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Front yard and driveway are usable but overgrown grass and vegetation near foundation noted; driveway has surface cracks but functional. Carport and covered parking present. Porch and railing intact though front porch steps and concrete walkway show surface cracking and wear. Foundation visible and appears continuous with painted block; no major foundation separation evident in photos. Some vegetation close to structure could impede drainage over time."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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": [
"Security bars on bedroom windows — potential emergency egress failure if non‑releasable.",
"Ceiling staining and peeling wood ceiling planks — possible water intrusion / roof or plumbing leak that requires investigation.",
"No visible evidence of GFCI protection at kitchen sink outlet (potential electrical safety/code issue).",
"Interior floor damage (gaps and damaged LVP planks) and small step changes — trip hazards if not repaired or secured."
],
"confidence": 0.65,
"assumptions": [
"Window security bars are fixed-mounted; it is unknown if they have quick-release mechanisms for emergency egress — assessed as a potential egress compliance risk.",
"HVAC system is present (thermostat and ceiling vent visible) but no furnace/AHU/AC unit photos were provided; assumed operational but unconfirmed.",
"Water heater and electrical panel exist but were not photographed; hot water and full electrical compliance (GFCI, breaker labeling) are unverified.",
"Smoke detector visible in one photo is assumed functional; carbon monoxide alarm presence is unknown and not visible.",
"No evidence of active standing water or major structural foundation movement in photos; ceiling staining indicates past or minor ongoing leak but not full collapse.",
"Kitchen appliances (range and refrigerator) are present and assumed operational but not tested."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6112 Blocton Ave, Birmingham, AL, 35228",
"aggregate": {
"summary": "Overall the property appears moderately well-maintained with cosmetic updates and working appliances present. Primary inspection risks are safety/code items that require verification and likely minor repairs: window security bars (egress), lack of visible GFCI in the kitchen, ceiling staining that indicates a past or possible active leak, and unknown condition/operation of HVAC and water heater. If the egress bars are quick-release, GFCI is installed or added, and basic system checks confirm hot water and heating, this home would likely pass an initial HCV/NSPIRE inspection after addressing minor repairs and yard cleanup — turn-key within ~2–4 weeks. Current overall readiness score: 70/100.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.3,
"rationale": "Interior finishes are recently updated (LVP flooring, painted walls) and the property appears generally maintained. Visible issues include worn/peeling cabinet faces and countertop edge in the kitchen, tile grout and baseboard gaps, floor damage/peeling in a few places, and concrete/porch step wear. Appliances (refrigerator and electric range) are present but show wear. These are mostly cosmetic or moderate repairs that can be addressed with limited scope work and do not in themselves indicate major structural failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Exterior envelope (siding, trim) looks intact; gutters and downspouts present. Front porch and railing are intact though concrete steps show wear and some surface cracking. Driveway is cracked but functional and leads to a covered carport. Yard is overgrown and needs maintenance but no standing water is evident in photos. Vegetation close to the foundation should be trimmed. No visible active foundation movement or major exterior structural failure observed."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 53.3,
"rationale": "Smoke detector is visible in interior photos (positive). However there are several potential NSPIRE risks: multiple windows have security bars which may impede emergency egress if not quick-release (cannot confirm quick-release from photos), there is no visible kitchen GFCI-protected outlet near the sink (visible outlet appears standard), and no carbon-monoxide alarm is visible. Ceiling discoloration/staining in one room suggests prior or current water intrusion that must be confirmed. Entry door appears to have a lock but deadbolt presence cannot be confirmed. No obviously exposed wiring was observed. These items create moderate inspection risk and would likely require corrective work before pass if egress or GFCI/CO issues exist."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 58.3,
"rationale": "Roof shingles and gutters appear in serviceable condition from exterior photos (no obvious sagging or missing shingles). Kitchen fixtures are present and appear functional but aged (sink, faucet, electric stove, refrigerator). No water heater, electrical panel, or HVAC equipment is shown in photos; a ceiling vent/register is visible indicating some ducting/forced-air may exist but operability is unknown. Because major systems are not directly shown, a moderate score is assigned assuming typical functional condition for a recently rented 1950 house — however these systems require verification (hot water, heating/cooling operation, electrical panel condition)."
}
],
"red_flags": [
"Window security bars potentially restricting emergency egress (must verify quick-release).",
"No visible GFCI protection at kitchen sink outlet (inspection-fail condition).",
"Ceiling discoloration/staining in living area — possible past or active water leak requiring investigation.",
"No major systems (electrical panel, water heater, HVAC unit) shown in photos — operational status unverified and must be confirmed prior to inspection."
],
"confidence": 0.84,
"assumptions": [
"Window security bars are fixed and their quick-release status is unknown; assessment assumes possibility they may restrict egress unless confirmed otherwise.",
"Smoke detector presence was confirmed by one visible unit; additional detectors (bedrooms/hall) are assumed not verified and may need installation.",
"No carbon monoxide alarm was visible in photos; assume none present and that one will be required if fossil-fuel appliances exist.",
"HVAC and water heater exist but their operational status is not shown; assessment assumes typical functioning for a recently rented property but flags need for verification.",
"Kitchen outlets visible are standard (non-GFCI); assume GFCI protection is absent near sink unless confirmed.",
"Appliances (refrigerator and electric stove) are present and assumed serviceable though cosmetically worn.",
"Rental history is present (3 events in last 5 years, last event 2025-04-09); used as a positive bonus in overall readiness."
],
"score_method": "mean_of_criteria",
"overall_score": 63.1,
"rubric_version": "2026-02-hud-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8113636751"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.