Property ID: 8124450938
4201 10th Ave, Birmingham, AL, 35224
Birmingham, AL
Money Down: $19,200
CoC Return: 20.45%
Monthly Cash Flow: $327
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,000
Closing Costs
$3,200
Total Down
$19,200
Investment Snapshot
Purchase Price
$80,000
Money Down
$19,200
Cash-on-Cash Return
20.45%
Rent
$1,009
Monthly Cash Flow
$327
Annual Cash Flow
$3,927
Debt Service / Mo
$426
Property Tax / Mo
$92
Insurance / Mo
$63
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,009
Payment Standard
$1,518
Rent
$1,009
Insurance
$63
Property Tax
$92
Management
$101
Utilities Allowance
$509
NOI (Monthly)
$753
Debt Service
$426
Cash Flow After Debt
$327
Quality Score: 74.00%
Confidence: 85.00%
Overall the property appears mostly turnkey for a Housing Choice Voucher initial inspection with cosmetic finishes and new kitchen/bath fixtures and appliances. The most significant inspection risks are missing/unstated life‑safety items (smoke and CO alarms), unclear GFCI protection at kitchen/bath, and an unverified HVAC/furnace presence and electrical panel condition. None of the observed issues look like structural failure; most are easily corrected within days to a few weeks. With installation/verification of smoke/CO alarms, confirmation of HVAC operation, and GFCI/AFCI/electrical panel checks, this would likely pass an initial Section 8/NSPIRE inspection.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$509
Guaranteed Section 8 Rent (PS - Utilities)
$1,009
Property Management
$101
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$80,000
Beds
3
Baths
1
Living Area
1,344 sqft
Lot Size
3,049 sqft
Year Built
1920
Days on Market
146
Capital Outlay
$19,200
Debt Service
$426
Property Tax / Mo
$92
Insurance / Mo
$63
Property Description
BACK ON THE MARKET FOR SHOWINGS AFTER SOME UPDATES. NEW- kitchen cabinets, sink, stove, fridge, faucets, dishwasher, sockets, water heater, plumbing, toilet, vanity, bathroom floor, down spouts, security doors, locks, etc. AMAZING OPPORTUNITY FOR A FIRST TIME HOME BUYER OR AN INVESTOR LOOKING TO INCREASE THEIR RENTAL PORTFOLIO. NO SELLER FINANCING or Creative offers.
Utility Allowances
Heating
$93
The property has central heating, but the fuel type is not specified. The water heater is electric. Following the rule to choose the more expensive option in case of ambiguity, electric heating was selected.
Cooling
$22
The property is equipped with central air conditioning. 'Alabama Power' is selected as the most likely electric provider for Birmingham.
Cooking
$15
The property information explicitly lists a gas stove ('Stove-Gas'). 'Spire' is selected as the likely natural gas provider for the area.
Water Heating
$56
The property information explicitly states it has an 'Electric Water Heater'. 'Alabama Power' is selected as the electric provider.
Other Electric
$68
This standard allowance for lighting and appliances is based on 'Alabama Power' as the provider. It includes usage for the landlord-provided refrigerator.
Water
$78
The property uses public water. The 'Water: Birmingham' schedule option is chosen based on the property's location.
Sewer
$151
The property is listed as 'Sewer: Connected'. The allowance is a fixed rate from the schedule for the corresponding bedroom count.
Trash Collection
$20
Trash collection is a standard service for a single-family home. 'Jefferson City' is the most applicable service area on the schedule for a Birmingham address.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned microwave.
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$615
DP3 Annual Estimate$907
DP1 Monthly Equivalent$51
DP3 Monthly Equivalent$76
Replacement Value$70,900
Basis1,344 sqft / 1920
Nearby Houses
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1008 Frisco St
sold · 0.02 mi
Price: $58,000
3 bd / 1 ba · 1,356 sqft
Latest sale: $58,000 on Apr 03, 2023
Latest rent: —
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4120 10th Ave
sold · 0.03 mi
Price: $40,000
4 bd / 2 ba · 2,138 sqft
Latest sale: $40,000 on May 29, 2025
Latest rent: —
Photo unavailable
4220 10th Ave
sold · 0.05 mi
Price: $42,500
3 bd / 1 ba · 1,288 sqft
Latest sale: $42,500 on Mar 24, 2022
Latest rent: $650 on Sep 11, 2014
Photo unavailable
4116 11th Ave
sold · 0.06 mi
Price: $19,000
3 bd / 1 ba · 1,204 sqft
Latest sale: $19,000 on Dec 20, 2018
Latest rent: —
Photo unavailable
912 Erie St
for_sale · 0.06 mi
Price: $80,000
3 bd / 1 ba · 1,260 sqft
Latest sale: $8,000 on Aug 01, 1988
Latest rent: $1,100 on Jun 21, 2024
Photo unavailable
4300 10th Ave
sold · 0.07 mi
Price: $25,000
4 bd / 2 ba · 1,728 sqft
Latest sale: $25,000 on Feb 14, 2022
Latest rent: —
Photo unavailable
4303 10th Ave
sold · 0.07 mi
Price: $62,000
3 bd / 1 ba · 1,190 sqft
Latest sale: $62,000 on Sep 20, 2024
Latest rent: $1,260 on Mar 13, 2025
Photo unavailable
4205 11th Ave
sold · 0.09 mi
Price: $19,900
3 bd / 2 ba · 1,731 sqft
Latest sale: $19,900 on Mar 31, 2017
Latest rent: $925 on Feb 03, 2023
Photo unavailable
4212 9th Ave
sold · 0.10 mi
Price: $65,000
3 bd / 1 ba · 1,918 sqft
Latest sale: $65,000 on Jan 12, 2024
Latest rent: $750 on Sep 07, 2019
Photo unavailable
4309 9th Ave
sold · 0.10 mi
Price: $15,000
4 bd / 1 ba · 2,080 sqft
Latest sale: $15,000 on Nov 15, 2019
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in interior photos (required life-safety items).
- HVAC unit not shown or documented—operation not verified (potential fail if no heating present in winter).
- No visible GFCI outlet near kitchen sink/baseline GFCI/AFCI/electrical panel verification (code risk).
- Property built in 1920 — potential lead-based paint hazard to confirm and remediate per HUD requirements if disturbed.
Assumptions
- Seller listing is accurate: new water heater, plumbing, sockets, kitchen cabinets, appliances, bathroom fixtures and downspouts were installed as described.
- Floor registers indicate an existing forced-air HVAC system; a heating/cooling unit exists on the property though not pictured.
- Windows shown provide required bedroom egress; bedrooms meet minimum egress sizing though not all bedrooms are pictured.
- No active roof leaks or major hidden water damage exist beyond what is visible in photos.
- Appliances shown (range, refrigerator, dishwasher) are functional; the gas connection for the range is safe (if gas) or electric hookup is code-compliant.
- Electrical panel, service, and smoke/CO alarms are not visible in photos and therefore assumed absent/unverified for inspection risk purposes.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,068 | $73,700 | $14,740 |
| 2023 | $1,068 | $73,700 | $14,740 |
| 2022 | $785 | $54,200 | $10,840 |
| 2021 | $785 | $54,200 | $10,840 |
| 2020 | $785 | $54,200 | $10,840 |
| 2019 | $785 | $54,200 | $10,840 |
| 2018 | $648 | $44,700 | $8,940 |
| 2017 | $648 | $44,700 | $8,940 |
| 2015 | $648 | $44,700 | $8,940 |
| 2013 | $625 | $43,900 | $8,780 |
| 2012 | $454 | $31,560 | $6,312 |
| 2011 | $461 | $32,100 | $6,420 |
| 2010 | $287 | $19,600 | $3,920 |
| 2009 | $504 | $35,200 | $7,040 |
| 2008 | $518 | $36,200 | $7,240 |
| 2007 | $512 | $35,800 | $7,160 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-06-03 | Sold | $22,833 |
| 2018-12-14 | Sold | $10,000 |
Photo Gallery
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21432060",
"price_change_percentage": null
},
{
"date": "2024-11-10",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2023-11-10T03:51:29Z",
"list_price": 86000,
"listing_id": "2961515354",
"last_update_date": "2024-10-08T22:26:19Z",
"last_status_change_date": "2024-11-10T07:54:31Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "366 days",
"source_listing_id": "21370438",
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},
{
"date": "2024-09-17",
"price": 86000,
"listing": {
"status": "off_market",
"list_date": "2023-11-10T03:51:29Z",
"list_price": 86000,
"listing_id": "2961515354",
"last_update_date": "2024-10-08T22:26:19Z",
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},
"event_name": "Price Changed",
"price_sqft": 63.98809523809524,
"source_name": "GreaterAlabamaMLS",
"price_change": -1000,
"days_after_listed": null,
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},
{
"date": "2024-08-14",
"price": 87000,
"listing": {
"status": "off_market",
"list_date": "2023-11-10T03:51:29Z",
"list_price": 86000,
"listing_id": "2961515354",
"last_update_date": "2024-10-08T22:26:19Z",
"last_status_change_date": "2024-11-10T07:54:31Z"
},
"event_name": "Price Changed",
"price_sqft": 64.73214285714286,
"source_name": "GreaterAlabamaMLS",
"price_change": -2000,
"days_after_listed": null,
"source_listing_id": "21370438",
"price_change_percentage": null
},
{
"date": "2024-06-25",
"price": 89000,
"listing": {
"status": "off_market",
"list_date": "2023-11-10T03:51:29Z",
"list_price": 86000,
"listing_id": "2961515354",
"last_update_date": "2024-10-08T22:26:19Z",
"last_status_change_date": "2024-11-10T07:54:31Z"
},
"event_name": "Price Changed",
"price_sqft": 66.2202380952381,
"source_name": "GreaterAlabamaMLS",
"price_change": 4000,
"days_after_listed": null,
"source_listing_id": "21370438",
"price_change_percentage": null
},
{
"date": "2023-11-10",
"price": 85000,
"listing": {
"status": "off_market",
"list_date": "2023-11-10T03:51:29Z",
"list_price": 86000,
"listing_id": "2961515354",
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"last_status_change_date": "2024-11-10T07:54:31Z"
},
"event_name": "Listed",
"price_sqft": 63.24404761904762,
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"price_change": 0,
"days_after_listed": null,
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},
{
"date": "2022-12-02",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-09-15T14:24:32Z",
"list_price": 69900,
"listing_id": "2947804725",
"last_update_date": "2022-09-16T00:11:29Z",
"last_status_change_date": "2022-12-02T06:55:10Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "78 days",
"source_listing_id": "1333867",
"price_change_percentage": null
},
{
"date": "2022-09-15",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2022-09-15T14:24:32Z",
"list_price": 69900,
"listing_id": "2947804725",
"last_update_date": "2022-09-16T00:11:29Z",
"last_status_change_date": "2022-12-02T06:55:10Z"
},
"event_name": "Listed",
"price_sqft": 52.00892857142857,
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1333867",
"price_change_percentage": "+249.50%"
},
{
"date": "2018-12-14",
"price": 20000,
"listing": {
"status": "sold",
"list_date": "2018-10-02T04:03:09Z",
"list_price": 12500,
"listing_id": "638144655",
"last_update_date": "2018-12-18T16:13:27Z",
"last_status_change_date": "2018-12-18T16:35:31Z"
},
"event_name": "Sold",
"price_sqft": 7.440476190476191,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "74 days",
"source_listing_id": "830281",
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},
{
"date": "2018-10-24",
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"listing": {
"status": "sold",
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"list_price": 12500,
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"last_status_change_date": "2018-12-18T16:35:31Z"
},
"event_name": "Price Changed",
"price_sqft": 4.650297619047619,
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"price_change": -19500,
"days_after_listed": null,
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},
{
"date": "2018-10-01",
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"listing": {
"status": "sold",
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"list_price": 12500,
"listing_id": "638144655",
"last_update_date": "2018-12-18T16:13:27Z",
"last_status_change_date": "2018-12-18T16:35:31Z"
},
"event_name": "Listed",
"price_sqft": 11.904761904761905,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "830281",
"price_change_percentage": "+20.03%"
},
{
"date": "1996-11-05",
"price": 26660,
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"source_name": "Public Record",
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}
],
"building_permits_history": [
{
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},
{
"project_name": null,
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"permit_effective_date": "Mar 21, 2012",
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},
{
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"permit_project_type_3": null
},
{
"project_name": null,
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"permit_effective_date": "Feb 20, 2003",
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},
{
"project_name": null,
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"permit_effective_date": "Jan 16, 2001",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Signage",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
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"permit_effective_date": "May 19, 2000",
"permit_project_type_1": "Signage",
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},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Apr 13, 2000",
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},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Sign permit",
"permit_effective_date": "Jan 19, 1996",
"permit_project_type_1": "Signage",
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"permit_project_type_3": null
}
]
}
},
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},
"property_id": "8124450938",
"generated_at": "2026-02-16T20:13:26.265794Z",
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"reason": "disabled",
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},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 74.0
},
"utility_allowance": {
"zip_code": "35224",
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"rent_price": 1009.0,
"loan_amount": 64000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4201-10th-Ave_Birmingham_AL_35224_M81244-50938",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 80000.0,
"loan_term_years": 30,
"annual_cash_flow": 9036.16,
"mortgage_monthly": 425.79,
"payment_standard": 1518.0,
"total_amount_out": 16000.0,
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],
"down_payment_rate": 0.2,
"insurance_monthly": 63.42,
"monthly_cash_flow": 753.01,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property has central heating, but the fuel type is not specified. The water heater is electric. Following the rule to choose the more expensive option in case of ambiguity, electric heating was selected.",
"utility": "Heating",
"allowance": 93
},
{
"note": "The property is equipped with central air conditioning. 'Alabama Power' is selected as the most likely electric provider for Birmingham.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "The property information explicitly lists a gas stove ('Stove-Gas'). 'Spire' is selected as the likely natural gas provider for the area.",
"utility": "Cooking",
"allowance": 15
},
{
"note": "The property information explicitly states it has an 'Electric Water Heater'. 'Alabama Power' is selected as the electric provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This standard allowance for lighting and appliances is based on 'Alabama Power' as the provider. It includes usage for the landlord-provided refrigerator.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "The property uses public water. The 'Water: Birmingham' schedule option is chosen based on the property's location.",
"utility": "Water",
"allowance": 78
},
{
"note": "The property is listed as 'Sewer: Connected'. The allowance is a fixed rate from the schedule for the corresponding bedroom count.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash collection is a standard service for a single-family home. 'Jefferson City' is the most applicable service area on the schedule for a Birmingham address.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned microwave.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.56,
"down_payment_amount": 16000.0,
"property_tax_annual": 1100.04,
"property_tax_monthly": 91.67,
"property_tax_increase": 0.03,
"utility_allowance_total": 509.0,
"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": 3926.64,
"property_management_monthly": 100.9,
"monthly_cash_flow_after_debt": 327.22,
"cash_on_cash_return_after_debt": 0.25
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears mostly turnkey for a Housing Choice Voucher initial inspection with cosmetic finishes and new kitchen/bath fixtures and appliances. The most significant inspection risks are missing/unstated life‑safety items (smoke and CO alarms), unclear GFCI protection at kitchen/bath, and an unverified HVAC/furnace presence and electrical panel condition. None of the observed issues look like structural failure; most are easily corrected within days to a few weeks. With installation/verification of smoke/CO alarms, confirmation of HVAC operation, and GFCI/AFCI/electrical panel checks, this would likely pass an initial Section 8/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking LVP flooring, painted walls and trim, new kitchen cabinets/countertops, and stainless appliances (range, refrigerator, dishwasher). Label/description confirms new bathroom fixtures, water heater and sockets. No visible major cosmetic deterioration, collapsed surfaces, or extensive damage. Minor finish items visible (scuffs at baseboards, small trim gaps, a threshold plate near fireplace). Missing visible smoke/CO detectors (see safety) lowers turnkey score slightly but are an easy install."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE Safety & Code Risk",
"score": 65.0,
"rationale": "No exposed wiring visible; outlet covers present. Entry door has a security door and locks per listing. Windows appear intact and large (egress likely adequate but bedrooms not explicitly shown). Key safety items not visible in photos: smoke alarms and carbon monoxide alarms, GFCI near sink not clearly identifiable, electrical panel not shown. No visible major water intrusion, severe mold, collapsed ceilings, or active leaks. Because smoke/CO and GFCI presence are required and not shown, this is a moderate inspection risk but readily correctable."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.0,
"rationale": "Listing states 'water heater, plumbing, sockets' are new and photos show functioning kitchen fixtures and appliances; dishwasher present. Floor registers visible suggesting forced-air HVAC and ducting, but no mechanical unit (furnace/AC) is shown or documented. Roof/gutters and downspouts appear intact from exterior photos and listing notes downspouts replaced, but the full roof condition is not verifiable. Electrical panel not visible; while outlets appear tamper-free, confirmation of service, AFCI/GFCI, and HVAC operational testing is needed. Given unknowns on HVAC and electrical panel, systems score is cautious."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 75.0,
"rationale": "Exterior brick bungalow and porch appear structurally sound in photos. Porch decking and steps look recently refreshed; there is at least one step railing visible. Chain-link fence and yard are serviceable. Foundation appears intact with minor patching near a corner. Gutters and downspouts are present; listing claims downspouts updated. No standing water, major grading issues, or visible infestation in provided images."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (required life-safety items).",
"HVAC unit not shown or documented—operation not verified (potential fail if no heating present in winter).",
"No visible GFCI outlet near kitchen sink/baseline GFCI/AFCI/electrical panel verification (code risk).",
"Property built in 1920 — potential lead-based paint hazard to confirm and remediate per HUD requirements if disturbed."
],
"confidence": 0.7,
"assumptions": [
"Seller listing is accurate: new water heater, plumbing, sockets, kitchen cabinets, appliances, bathroom fixtures and downspouts were installed as described.",
"Floor registers indicate an existing forced-air HVAC system; a heating/cooling unit exists on the property though not pictured.",
"Windows shown provide required bedroom egress; bedrooms meet minimum egress sizing though not all bedrooms are pictured.",
"No active roof leaks or major hidden water damage exist beyond what is visible in photos.",
"Appliances shown (range, refrigerator, dishwasher) are functional; the gas connection for the range is safe (if gas) or electric hookup is code-compliant.",
"Electrical panel, service, and smoke/CO alarms are not visible in photos and therefore assumed absent/unverified for inspection risk purposes."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1-bath single-family appears largely renovated and close to Section 8 / HCV ready. Cosmetic and appliance updates (new cabinets, counters, stove, fridge, dishwasher, flooring, water heater) reduce repair scope. The most likely inspection issues are missing/uncertified smoke detectors and CO alarm, probable lack of visible GFCI protection at kitchen/bath outlets, and the need to verify HVAC operation and electrical panel condition. If detectors are installed, GFCI outlets corrected (if required), and HVAC/electrical verified functional, the home would likely pass an initial NSPIRE/HCV inspection with only minor repairs (target timeline: within 2–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking vinyl plank flooring throughout, painted walls/trim, refreshed kitchen cabinets and countertops, and installed stainless fridge, stove and dishwasher per listing. Porch and exterior brick were recently painted and look tidy. Minor scuffs to trim, some gaps around baseboards and window trim, and fireplace appears unused/covered but not a structural concern. Missing or loose outlet covers were not observed. Overall condition is good and repairs appear limited to cosmetic/touch-up and final cleaning."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No visible smoke detectors or carbon monoxide alarm in interior photos (required). Kitchen and bathroom GFCI protection is not visible in photos; standard outlets shown appear non-GFCI which would need correction. Windows appear large enough for bedroom egress but bedroom-specific egress windows were not documented. Entry has a security storm/metal door per listing, and the porch has a solid knee-wall guard; handrail shown on steps. No visible exposed wiring, active leaks, mold, or collapsed ceilings in photos. Plumbing fixtures and a sink are present; listing states water heater and plumbing are new. Primary safety concerns to address before inspection: install/verify smoke detectors and CO alarms, ensure GFCI protection at kitchen and bath, and confirm window egress and door deadbolt/locking hardware."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states new water heater and plumbing; photos show floor vents indicating central forced-air HVAC and visible supply registers. Roof appears intact from exterior perspective and gutters/downspouts reportedly updated. Electrical panel is not shown and its condition/labeling is unknown. Appliances (stove, refrigerator, dishwasher) are present and look recently installed; gas/electric connections not fully visible. Based on visible evidence the major systems appear recently updated or present, but verification (HVAC power/operation, electrical panel condition, hot water, and safe gas hookup) is required for inspection readiness."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 82.0,
"rationale": "Exterior brick veneer looks structurally sound with fresh paint on porch and columns. The front porch surface appears refurbished. Yard is tidy with short grass; chain link fence is present though shows minor age/vegetation. Foundation perimeter shows painted foundation and no visible large cracks in photos. Mature trees are near the house (monitor for root/roof risk). Walkway/steps and short porch handrail exist; step safety is acceptable from photos. No standing water or major drainage issues visible."
}
],
"red_flags": [
"No visible smoke detectors inside unit (required).",
"No visible carbon monoxide alarm (required if gas appliances present).",
"No visible GFCI-protected receptacles at kitchen sink area (likely required).",
"Electrical panel condition and grounding not shown — needs on-site verification.",
"HVAC operation not verified from photos; must be demonstrated working at inspection."
],
"confidence": 0.72,
"assumptions": [
"Listing text is accurate about completed updates (new stove, fridge, dishwasher, water heater, cabinets, plumbing, sockets).",
"Central HVAC exists and is a forced-air system (floor supply vents visible) and is operational unless proven otherwise.",
"No smoke detectors or CO alarms are present since none are visible in the provided interior photos.",
"Kitchen and bathroom outlets shown are standard outlets and not GFCI-protected (no GFCI device visible in photos).",
"Windows shown meet typical egress size for living areas/bedrooms but bedroom-specific egress was not confirmed from photos.",
"Electrical panel condition, breaker labeling, and grounding were not provided and must be verified on-site.",
"Porch and exterior structural elements are sound; minor peeling/patching may exist near foundation corners based on photos."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1-bath brick bungalow appears largely turnkey for Section 8 rental with recent kitchen and plumbing updates, new appliances, new flooring and generally good cosmetic condition. The most significant NSPIRE risks are missing/undocumented life-safety items in the photos (smoke/CO detectors and GFCI outlets) and lack of visible HVAC/electrical panel confirmation. If smoke/CO alarms and required GFCI protection are installed and HVAC is operational, the unit would likely pass an initial HCV inspection with only minor repairs (1–4 weeks). Without those confirmations, expect 1–4 additional corrective items on an inspection report.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Photos and listing show recent interior updates: new LVP flooring, painted walls, new kitchen cabinets/counters, stove, fridge, dishwasher and sink. Bathroom updates are claimed in the listing (toilet, vanity, floor) though no bathroom photos were provided. Cosmetic condition appears good with normal minor scuffs; no collapsed ceilings, exposed subfloor, or large areas of deterioration visible. Missing or older items are minor (fireplace appears unused/unfinished). Overall repair need is minor and mostly turnkey cosmetic/appliance-level work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible: no exposed wiring, visible structural sagging, or water intrusion in photos. Front steps have a handrail and the porch has guard walls. However critical NSPIRE items are not visible or confirmed: smoke detectors and carbon monoxide alarms are not shown, GFCI protection at kitchen counters is not visible (an outlet is visible but not clearly GFCI), and bedroom egress windows are not explicitly shown for all bedrooms (multiple windows present but bedrooms not photographed). Entry door has a security/storm door and listing claims new locks. Because missing/uncertain life-safety devices (smoke/CO/GFCI) could cause an inspection failure, score reduced to reflect that risk."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, plumbing, electrical, roof, water heater)",
"score": 70.0,
"rationale": "Listing states new water heater, new plumbing, and new sockets; kitchen appliances are present and appear installed. Floor vents and grilles visible indicating central heating/air exists, but no HVAC unit or electrical panel is pictured to confirm serviceability. Roof and gutters appear intact in exterior photos and downspouts were noted as replaced. Because critical systems are largely claimed as updated but not all are visible/verified (HVAC operational status and electrical panel/GFCI locations unknown), assign a cautious but favorable score."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Exterior brick bungalow appears sound with painted foundation/parging intact. Porch and steps look solid; porch guard/walls and a ceiling fan are present. Listing indicates new downspouts. Yard and walkways appear serviceable; small chain-link fence is leaning but not a major safety hazard. No evidence of standing water, major foundation cracks, or visible roof collapse. Overall exterior condition is good with minor site tidying likely needed."
}
],
"red_flags": [
"Smoke detectors and carbon monoxide alarms not visible in any interior photos — potential NSPIRE fail if absent or improperly located.",
"GFCI protection at kitchen counters/bathrooms not visible — could cause inspection deficiency if not present or properly installed.",
"HVAC equipment and electrical panel are not shown; operational status of heating/AC and whole-house electrical protections is unconfirmed and could reveal issues on inspection."
],
"confidence": 0.7,
"assumptions": [
"Listing statements are true: new stove, fridge, dishwasher, sockets, water heater, plumbing, toilet, vanity, bathroom floor, and downspouts were installed.",
"Kitchen and bathroom fixtures are operational (supply/drain lines, hot water) though not all are pictured.",
"Heating/cooling is present and connected (floor vents observed) but operational status is unconfirmed.",
"Bedrooms have at least one egress window each (multiple windows visible but specific bedroom photos not provided).",
"No recent major roof leaks, active mold or hidden structural damage exist beyond what is visible in photos; exterior brick and foundation appear intact."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4201 10th Ave, Birmingham, AL, 35224",
"aggregate": {
"summary": "Overall the property appears mostly turnkey for a Housing Choice Voucher initial inspection with cosmetic finishes and new kitchen/bath fixtures and appliances. The most significant inspection risks are missing/unstated life‑safety items (smoke and CO alarms), unclear GFCI protection at kitchen/bath, and an unverified HVAC/furnace presence and electrical panel condition. None of the observed issues look like structural failure; most are easily corrected within days to a few weeks. With installation/verification of smoke/CO alarms, confirmation of HVAC operation, and GFCI/AFCI/electrical panel checks, this would likely pass an initial Section 8/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking LVP flooring, painted walls and trim, new kitchen cabinets/countertops, and stainless appliances (range, refrigerator, dishwasher). Label/description confirms new bathroom fixtures, water heater and sockets. No visible major cosmetic deterioration, collapsed surfaces, or extensive damage. Minor finish items visible (scuffs at baseboards, small trim gaps, a threshold plate near fireplace). Missing visible smoke/CO detectors (see safety) lowers turnkey score slightly but are an easy install."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 79.0,
"rationale": "Exterior brick bungalow and porch appear structurally sound in photos. Porch decking and steps look recently refreshed; there is at least one step railing visible. Chain-link fence and yard are serviceable. Foundation appears intact with minor patching near a corner. Gutters and downspouts are present; listing claims downspouts updated. No standing water, major grading issues, or visible infestation in provided images."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE Safety & Code Risk",
"score": 68.3,
"rationale": "No exposed wiring visible; outlet covers present. Entry door has a security door and locks per listing. Windows appear intact and large (egress likely adequate but bedrooms not explicitly shown). Key safety items not visible in photos: smoke alarms and carbon monoxide alarms, GFCI near sink not clearly identifiable, electrical panel not shown. No visible major water intrusion, severe mold, collapsed ceilings, or active leaks. Because smoke/CO and GFCI presence are required and not shown, this is a moderate inspection risk but readily correctable."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 68.3,
"rationale": "Listing states 'water heater, plumbing, sockets' are new and photos show functioning kitchen fixtures and appliances; dishwasher present. Floor registers visible suggesting forced-air HVAC and ducting, but no mechanical unit (furnace/AC) is shown or documented. Roof/gutters and downspouts appear intact from exterior photos and listing notes downspouts replaced, but the full roof condition is not verifiable. Electrical panel not visible; while outlets appear tamper-free, confirmation of service, AFCI/GFCI, and HVAC operational testing is needed. Given unknowns on HVAC and electrical panel, systems score is cautious."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (required life-safety items).",
"HVAC unit not shown or documented—operation not verified (potential fail if no heating present in winter).",
"No visible GFCI outlet near kitchen sink/baseline GFCI/AFCI/electrical panel verification (code risk).",
"Property built in 1920 — potential lead-based paint hazard to confirm and remediate per HUD requirements if disturbed."
],
"confidence": 0.85,
"assumptions": [
"Seller listing is accurate: new water heater, plumbing, sockets, kitchen cabinets, appliances, bathroom fixtures and downspouts were installed as described.",
"Floor registers indicate an existing forced-air HVAC system; a heating/cooling unit exists on the property though not pictured.",
"Windows shown provide required bedroom egress; bedrooms meet minimum egress sizing though not all bedrooms are pictured.",
"No active roof leaks or major hidden water damage exist beyond what is visible in photos.",
"Appliances shown (range, refrigerator, dishwasher) are functional; the gas connection for the range is safe (if gas) or electric hookup is code-compliant.",
"Electrical panel, service, and smoke/CO alarms are not visible in photos and therefore assumed absent/unverified for inspection risk purposes."
],
"score_method": "mean_of_criteria",
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8124450938"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.