Property ID: 8126431108
7901 6th Ave, Birmingham, AL, 35206
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$4,800
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$120,000
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 75.00%
Confidence: 95.00%
This 3BR/1BA bungalow appears largely renovated and is a strong candidate for Section 8 / HCV tenancy with minor to moderate corrections. New roof and HVAC are reported and interior finish work (floors, paint, cabinets) looks complete. The most important inspection items to verify/address prior to an initial HCV inspection: install/verify smoke and CO alarms per local code, confirm GFCI protection at kitchen/bath outlets, confirm bedroom egress windows, remove/replace temporary/exposed cords, and add a handrail if required for the front steps. Provide or confirm working range and refrigerator for move-in. With those items addressed (many are quick fixes), the property is likely to pass an initial NSPIRE/HCV inspection.
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$120,000
Beds
3
Baths
1
Living Area
1,185 sqft
Lot Size
7,405 sqft
Year Built
1935
Days on Market
58
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Beautifully updated home featuring a new roof and new HVAC system. Enjoy hardwood floors, brand-new kitchen cabinets, and fresh paint inside and out. A great opportunity for first-time homebuyers or investors.
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$471
DP3 Annual Estimate$738
DP1 Monthly Equivalent$39
DP3 Monthly Equivalent$62
Replacement Value$46,000
Basis1,185 sqft / 1935
Nearby Houses
Photo unavailable
7908 5th Ave N
off_market · 0.04 mi
Price: $110,900
3 bd / 1 ba · 1,108 sqft
Latest sale: $34,900 on Nov 01, 1986
Latest rent: $1,300 on Feb 03, 2026
Photo unavailable
7827 6th Ave N
sold · 0.05 mi
Price: $38,000
4 bd / 1 ba · 1,582 sqft
Latest sale: $38,000 on May 04, 2023
Latest rent: —
Photo unavailable
7832 6th Ave N
sold · 0.05 mi
Price: $36,000
3 bd / 1 ba · 1,389 sqft
Latest sale: $36,000 on Nov 13, 2020
Latest rent: $850 on Jan 30, 2024
Photo unavailable
7817 6th Ave N
sold · 0.08 mi
Price: $99,000
4 bd / 2 ba · 1,785 sqft
Latest sale: $99,000 on Nov 22, 2021
Latest rent: —
Photo unavailable
7930 6th Ave
for_sale · 0.08 mi
Price: $120,000
4 bd / 1 ba · 1,794 sqft
Latest sale: $78,500 on Mar 25, 2022
Latest rent: —
Photo unavailable
7805 6th Ave N
sold · 0.09 mi
Price: $45,500
3 bd / 1 ba · 1,477 sqft
Latest sale: $45,500 on Oct 26, 2021
Latest rent: $725 on Dec 17, 2021
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- No visible smoke detectors or carbon monoxide alarms in interior photos — required for NSPIRE and local code.
- No visible GFCI outlet at the kitchen sink area (not confirmed) — may be required.
- Major kitchen appliances (range/oven and refrigerator) are not present in photos — reduces immediate move-in readiness.
- Temporary/exposed extension cord along baseboard near fireplace — possible electrical hazard, needs correction.
- Front entry steps lack a handrail (may require a handrail depending on riser/run and local code).
Assumptions
- Listing text is accurate: roof and HVAC are new and functioning (photos support new roof appearance and HVAC registers/thermostat are present).
- Bedrooms and bathroom(s) exist as advertised but were not photographed; assumed standard 3-bed layout with at least one bedroom egress window, though this must be confirmed.
- Water heater, electrical panel, and plumbing supply/fixtures are present and operational though not shown in images.
- Missing kitchen major appliances (stove/oven and refrigerator) are not included based on photos; landlord could provide prior to tenancy.
- No active leaks, major mold, or hidden structural movement present beyond what is visible in the provided photos; if severe hidden issues exist, score would be lower.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $399 | $65,000 | $13,000 |
| 2023 | $399 | $65,000 | $6,500 |
| 2022 | $306 | $52,200 | $5,220 |
| 2021 | $306 | $52,200 | $5,220 |
| 2020 | $189 | $35,600 | $3,560 |
| 2019 | $306 | $52,200 | $5,220 |
| 2018 | $266 | $46,500 | $4,660 |
| 2017 | $266 | $46,500 | $4,660 |
| 2016 | $266 | $46,500 | $4,660 |
| 2015 | $674 | $46,500 | $4,660 |
| 2013 | $653 | $45,900 | $9,180 |
| 2011 | $716 | $50,500 | $10,100 |
| 2010 | $716 | $50,500 | $10,100 |
| 2009 | $716 | $50,500 | $10,100 |
| 2008 | $729 | $51,400 | $10,280 |
| 2007 | $694 | $48,900 | $9,780 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-07-02 | Sold | $65,000 |
| 2020-12-14 | Sold | $35,000 |
| 2012-10-11 | Sold | $5,000 |
| 2012-08-03 | Sold | $5,000 |
| 2010-06-01 | Sold | $54,983 |
| 2004-08-31 | Sold | $25,000 |
Photo Gallery
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"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8126431108",
"generated_at": "2026-02-16T02:21:52.425264Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 75.0
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/1BA bungalow appears largely renovated and is a strong candidate for Section 8 / HCV tenancy with minor to moderate corrections. New roof and HVAC are reported and interior finish work (floors, paint, cabinets) looks complete. The most important inspection items to verify/address prior to an initial HCV inspection: install/verify smoke and CO alarms per local code, confirm GFCI protection at kitchen/bath outlets, confirm bedroom egress windows, remove/replace temporary/exposed cords, and add a handrail if required for the front steps. Provide or confirm working range and refrigerator for move-in. With those items addressed (many are quick fixes), the property is likely to pass an initial NSPIRE/HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos show a recently renovated interior with fresh paint, refinished hardwood floors, new-looking cabinets and trim, and a new porch deck. Exterior paint and siding are in good condition. Missing major kitchen appliances (stove/oven and refrigerator) are apparent — these are not catastrophic but reduce turnkey readiness. Minor concrete/step wear at the front approach and some yard/site cleanup are needed. No visible major deferred maintenance or active water damage in provided images."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 68.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in interior photos (must be verified/installed). Entry door shows a modern keyed lock (likely secure) and windows appear to be newer; bedroom egress cannot be confirmed from the photos. No obvious severe electrical hazards visible in the photos, but a loose/temporary cord along the baseboard near the fireplace is present. No visible major mold, active leaks, collapsed ceilings, or foundation movement. Front steps appear to lack a handrail — may trigger a correction depending on local code/number of risers. GFCI protection at the kitchen sink is not visible. Overall moderate NSPIRE risk until detectors, GFCI and egress are confirmed."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 75.0,
"rationale": "Listing claims a new HVAC system and photos show a wall thermostat and floor registers consistent with forced air; roof appears new per listing and roofing shingles look in good condition in exterior images. Water heater, electrical panel, and plumbing fixtures are not shown so their condition is assumed functional but not verified. No visible signs of drainage or structural system failure in provided images."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior siding, paint, porch, and roof appear well maintained and recently updated. Yard is somewhat unkempt with mud/patchy grass and a cracked/irregular walkway at the front approach that will benefit from cleanup/repair. No visible standing water, major foundation cracks, or pest infestation in photos. Corner lot location offers good access but landscaping and walkway repairs needed for curb appeal and slip/trip reduction."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos — required for NSPIRE and local code.",
"No visible GFCI outlet at the kitchen sink area (not confirmed) — may be required.",
"Major kitchen appliances (range/oven and refrigerator) are not present in photos — reduces immediate move-in readiness.",
"Temporary/exposed extension cord along baseboard near fireplace — possible electrical hazard, needs correction.",
"Front entry steps lack a handrail (may require a handrail depending on riser/run and local code)."
],
"confidence": 0.7,
"assumptions": [
"Listing text is accurate: roof and HVAC are new and functioning (photos support new roof appearance and HVAC registers/thermostat are present).",
"Bedrooms and bathroom(s) exist as advertised but were not photographed; assumed standard 3-bed layout with at least one bedroom egress window, though this must be confirmed.",
"Water heater, electrical panel, and plumbing supply/fixtures are present and operational though not shown in images.",
"Missing kitchen major appliances (stove/oven and refrigerator) are not included based on photos; landlord could provide prior to tenancy.",
"No active leaks, major mold, or hidden structural movement present beyond what is visible in the provided photos; if severe hidden issues exist, score would be lower."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this home appears to be a lightly renovated, mostly turnkey single-family property with new roof and HVAC reported, refinished floors, fresh paint, and new cabinets. Primary inspection risks are the absence (not visible in photos) of smoke/CO detectors, potential absence of GFCI protection in the kitchen, and the lack of installed major kitchen appliances (range and refrigerator). None of the visible issues indicate major structural or system failure. Likely rent-ready after addressing detector installation and installing appliances — generally ready within 1–4 weeks depending on minor contractor availability.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos and description show a full cosmetic rehab: fresh exterior/interior paint, refinished hardwood floors, new kitchen cabinets and new porch decking. Visible minor defects: chipped concrete step at porch, some yard debris and unfinished landscaping. Major appliances (range and refrigerator) are not installed in photos — a moderate reduction because missing appliances are common and easy to remedy but will delay move-in if not provided. Overall, mostly cosmetic/finish work remaining rather than deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: no exposed wiring, no collapsed ceilings, no visible active water intrusion or major foundation cracks. Entry door has modern hardware and appears secure. However, smoke detectors and CO detectors are not visible in interior photos (required by NSPIRE in sleeping areas and outside bedrooms), and there is no visible GFCI device at the primary kitchen counter (could be GFCI breaker but not shown). These uncertainties create an inspection risk that will likely require small installations if absent."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Plumbing, Electrical)",
"score": 80.0,
"rationale": "Listing states a new roof and new HVAC; exterior roof photos and interior registers support that condition (vents/registers visible, modern thermostat). No obvious plumbing leaks or water stains besides very minor ceiling texture variation. Electrical panel and water heater are not shown, so their condition is assumed intact based on the recent renovation. Because key systems are reported new and no evidence of failure is visible, systems score is high but not perfect due to unseen equipment (panel, water heater) and missing installed kitchen range connection verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior envelope appears well maintained and recently painted; siding and porch structure look solid and the foundation perimeter shows intact painted masonry with crawlspace vents present. Roof lines look straight and shingles appear new. Site issues are minor: yard grading is flat with dirt patches and scattered debris; sidewalk/entry concrete has small chips and a minor uneven area at the front step. No visible standing water or active pest/infestation evidence in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos — NSPIRE requires functioning detectors in sleeping areas and common areas.",
"No visible kitchen range and no refrigerator in photos (missing major appliances will delay move-in and must be addressed).",
"No visible GFCI device at kitchen counters — lack of GFCI protection in kitchen/bath can cause inspection failure if not present via outlet or breaker.",
"Electrical panel and water heater locations/conditions are not shown — their unknown condition is an inspection uncertainty (could reveal further issues)."
],
"confidence": 0.7,
"assumptions": [
"The listing statement that roof and HVAC are new is accurate and systems were installed correctly.",
"Smoke and CO detectors are not visible in photos and therefore treated as possibly missing; they may be present in non-photographed rooms.",
"Electrical panel and water heater exist and are serviceable though not shown; assumed not visibly damaged.",
"Kitchen plumbing and sink are functional though under-sink connections / disposal not visible.",
"Bedrooms have standard egress windows (front and side windows visible look standard double-hung and likely meet egress).",
"No evidence of severe mold, pest infestation, or active leaks is present in photos; if these exist behind finishes they would reduce the score substantially."
],
"overall_score": 76.0,
"rubric_version": "2026-01-NSPIRE-v1"
},
{
"summary": "This single-family home appears to be largely renovated and near rent-ready for a Housing Choice Voucher tenant. Strengths: new roof, reportedly new HVAC, refinished hardwoods, fresh paint inside/out, and updated kitchen cabinetry. Primary inspection risks that should be resolved before an initial HCV/NSPIRE inspection: confirm and install required smoke and CO detectors, ensure GFCI protection at kitchen/bathing areas, remove/replace any temporary extension cords with permanent wiring/outlets, confirm presence/operation of hot water and water heater, and provide or confirm full-size stove/range and refrigerator if required by lease. With those items addressed (most are minor/quick fixes or verification items), the property is likely to pass an initial inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos show a comprehensive cosmetic renovation: fresh interior/exterior paint, refinished hardwood floors, new-looking kitchen cabinets, and a newly decked front porch. Minor defects visible: concrete approach/stoop has spalling/chips at the bottom step, minor paint/trim touch-ups needed around thresholds, and no full-size stove/refrigerator visible in photos (kitchen has cabinet openings and an apparent small cooktop or temporary fixture). These are mostly easy-to-fix or capital items and do not indicate deferred structural failure."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 65.0,
"rationale": "No immediately life‑threatening hazards observed (no collapsed ceilings, severe mold, visible foundation movement, or standing water). Concerns: no smoke detectors or CO detectors are visible in photos (required by NSPIRE/HUD), GFCI protection at kitchen counters not clearly visible, an electrical extension/loose cord runs along the living room baseboard (potential electrical hazard/citation), and bedroom egress windows cannot be independently verified from photos. Front porch rail/guard not required for low riser count but should be verified. These items create inspection risk but are generally remediable."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 75.0,
"rationale": "Listing states a new roof and new HVAC; exterior photos show recent shingles and interior floor vents are present, supporting the HVAC claim. Visible floor registers and intact roof reduce major system risk. However, critical systems (electrical panel condition, water heater, plumbing fixtures hot water, and actual HVAC operation) are not shown. Because of visible recent upgrades and no signs of active water intrusion or roof failure, systems score is favorable but limited by lack of direct evidence."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior siding and trim appear freshly painted and in good condition; foundation skim-coat/paint appears intact and vents are present. Yard is uneven with some debris and minor site cleanup needed; walkway and lower step show spalling. No visible major drainage or foundation distress in photos. Overall envelope appears well-maintained after renovation."
}
],
"red_flags": [
"electrical hazard: temporary/loose extension cord along living-room baseboard visible in photos",
"no visible smoke detectors or carbon monoxide detectors in photographed living spaces (verification required)"
],
"confidence": 0.7,
"assumptions": [
"Listing statement that roof and HVAC are new is accurate and systems were installed to code.",
"Bedrooms have compliant egress windows unless otherwise noted; egress was not visible in provided photos and therefore assumed typical for a 3-bed in a renovated unit.",
"No smoke or CO detectors are visible in the photos; assume they are not yet installed or were not photographed and thus are a potential inspection failure until verified.",
"Electrical panel, water heater, and main plumbing lines were not photographed; assume they exist and are functional but require verification during inspection.",
"Missing full-size stove/range and refrigerator are not major structural hazards but will reduce readiness and need to be provided before tenant move-in if required by landlord/lease.",
"The visible cord along the living room baseboard is a temporary/photography artifact but represents an electrical hazard that an inspector could cite."
],
"overall_score": 74.0,
"rubric_version": "nsPIRE-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "7901 6th Ave, Birmingham, AL, 35206",
"aggregate": {
"summary": "This 3BR/1BA bungalow appears largely renovated and is a strong candidate for Section 8 / HCV tenancy with minor to moderate corrections. New roof and HVAC are reported and interior finish work (floors, paint, cabinets) looks complete. The most important inspection items to verify/address prior to an initial HCV inspection: install/verify smoke and CO alarms per local code, confirm GFCI protection at kitchen/bath outlets, confirm bedroom egress windows, remove/replace temporary/exposed cords, and add a handrail if required for the front steps. Provide or confirm working range and refrigerator for move-in. With those items addressed (many are quick fixes), the property is likely to pass an initial NSPIRE/HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos show a recently renovated interior with fresh paint, refinished hardwood floors, new-looking cabinets and trim, and a new porch deck. Exterior paint and siding are in good condition. Missing major kitchen appliances (stove/oven and refrigerator) are apparent — these are not catastrophic but reduce turnkey readiness. Minor concrete/step wear at the front approach and some yard/site cleanup are needed. No visible major deferred maintenance or active water damage in provided images."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 77.7,
"rationale": "Exterior siding, paint, porch, and roof appear well maintained and recently updated. Yard is somewhat unkempt with mud/patchy grass and a cracked/irregular walkway at the front approach that will benefit from cleanup/repair. No visible standing water, major foundation cracks, or pest infestation in photos. Corner lot location offers good access but landscaping and walkway repairs needed for curb appeal and slip/trip reduction."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 67.7,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in interior photos (must be verified/installed). Entry door shows a modern keyed lock (likely secure) and windows appear to be newer; bedroom egress cannot be confirmed from the photos. No obvious severe electrical hazards visible in the photos, but a loose/temporary cord along the baseboard near the fireplace is present. No visible major mold, active leaks, collapsed ceilings, or foundation movement. Front steps appear to lack a handrail — may trigger a correction depending on local code/number of risers. GFCI protection at the kitchen sink is not visible. Overall moderate NSPIRE risk until detectors, GFCI and egress are confirmed."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 76.7,
"rationale": "Listing claims a new HVAC system and photos show a wall thermostat and floor registers consistent with forced air; roof appears new per listing and roofing shingles look in good condition in exterior images. Water heater, electrical panel, and plumbing fixtures are not shown so their condition is assumed functional but not verified. No visible signs of drainage or structural system failure in provided images."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos — required for NSPIRE and local code.",
"No visible GFCI outlet at the kitchen sink area (not confirmed) — may be required.",
"Major kitchen appliances (range/oven and refrigerator) are not present in photos — reduces immediate move-in readiness.",
"Temporary/exposed extension cord along baseboard near fireplace — possible electrical hazard, needs correction.",
"Front entry steps lack a handrail (may require a handrail depending on riser/run and local code)."
],
"confidence": 0.95,
"assumptions": [
"Listing text is accurate: roof and HVAC are new and functioning (photos support new roof appearance and HVAC registers/thermostat are present).",
"Bedrooms and bathroom(s) exist as advertised but were not photographed; assumed standard 3-bed layout with at least one bedroom egress window, though this must be confirmed.",
"Water heater, electrical panel, and plumbing supply/fixtures are present and operational though not shown in images.",
"Missing kitchen major appliances (stove/oven and refrigerator) are not included based on photos; landlord could provide prior to tenancy.",
"No active leaks, major mold, or hidden structural movement present beyond what is visible in the provided photos; if severe hidden issues exist, score would be lower."
],
"score_method": "mean_of_criteria",
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8126431108"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.