Property ID: 8126872858
4920 Fran Ln, Barataria, LA, 70036
Barataria, LA
Money Down: $55,200
CoC Return: -0.94%
Monthly Cash Flow: $-43
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$46,000
Closing Costs
$9,200
Total Down
$55,200
Investment Snapshot
Purchase Price
$230,000
Money Down
$55,200
Cash-on-Cash Return
-0.94%
Rent
$1,696
Monthly Cash Flow
$-43
Annual Cash Flow
$-519
Debt Service / Mo
$1,224
Property Tax / Mo
$222
Insurance / Mo
$123
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$123
Property Tax
$222
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,181
Debt Service
$1,224
Cash Flow After Debt
$-43
Quality Score: 85.40%
Confidence: 95.00%
This waterfront single-family home appears largely turnkey for Section 8 occupancy. Photos and the listing indicate a 2022 full renovation including new roof and A/C, present appliances, tile flooring, intact exterior siding, a screened porch, and a functioning dock/bulkhead. Main inspection risks are missing/unclear evidence of CO detector and GFCI protection (kitchen/bath), and the inherent flood exposure of a canal-front property (assumable flood policy helps). With verification/installation of any missing detectors and standard pre-inspection checks (confirm HVAC, hot water, GFCI, deadbolt), the property is likely to pass an initial Housing Choice Voucher inspection with only minor repairs.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$230,000
Beds
3
Baths
2
Living Area
1,581 sqft
Lot Size
9,749 sqft
Year Built
1995
Days on Market
56
Capital Outlay
$55,200
Debt Service
$1,224
Property Tax / Mo
$222
Insurance / Mo
$123
Property Description
Welcome to 4920 Fran, a beautifully renovated waterfront retreat in Lafitte. This stunning home was completely updated in 2022, including a brand-new roof, A/C unit, and modern finishes throughout. Boasting an open floor plan with recessed lighting, granite countertops, and stainless appliances, including a gas stove and microwave, this home is great for both relaxation and entertaining. Step outside to enjoy your screened patio or take advantage of the dock, bulkhead, and electric boat hoist, all installed in 2019. For boating enthusiasts, the property offers convenient water access and a gas hookup for an outdoor kitchen, making it a true gem for waterfront living. With a tankless water heater, assumable flood insurance policy ($1600), and gas hookups for a dryer, this home is as practical as it is beautiful.
Utility Allowances
Heating (Natural Gas)
$70
Property has 'Central' heating and the listing specifies 'Gas: Natural' is available.
Cooking (Natural Gas)
$12
Property information explicitly states 'gas stove' and 'Gas: Natural'.
Water Heating (Natural Gas)
$24
The property has a tankless water heater and natural gas is available, making a gas-fueled water heater the most probable choice.
Other Electric
$67
This is a standard fixed allowance for general electricity usage (lights, outlets, appliances, central AC) not covered by other specific utility types.
Water
$43
The property details state the water source is 'Public'.
Sewer
$46
The property details explicitly list 'Sewer: City' and 'Public Sewer'.
Trash Collection
$25
Trash collection is a standard municipal service for a single-family residence and is included as a tenant-paid utility.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,478
DP3 Annual Estimate$1,478
DP1 Monthly Equivalent$123
DP3 Monthly Equivalent$123
Replacement Value$157,700
Basis1,581 sqft / 1995
Nearby Houses
Photo unavailable
4943 Fran Ln Lot 54A
for_sale · 0.05 mi
Price: $44,900
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4954 Joan Marie Dr
for_sale · 0.07 mi
Price: $254,999
3 bd / 3 ba · 2,383 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4906 Deborah Ann Dr Lot 74
off_market · 0.13 mi
Price: $60,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4900 Deborah Ann Dr Lot 73
for_sale · 0.14 mi
Price: $54,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4896 Deborah Ann Dr Lot 72
off_market · 0.14 mi
Price: $44,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4990 Kaylee Ln Lot 80A
for_sale · 0.16 mi
Price: $50,000
— bd / — ba
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing is accurate: roof and A/C were replaced in 2022 and are in working condition.
- Tankless water heater is present and operational as claimed in listing.
- Appliances shown in photos (gas stove, microwave, refrigerator, washer/dryer) are functional or will be made functional prior to tenancy.
- Electrical panel shown is properly labeled and breakers are operational; no hidden electrical hazards behind finished walls.
- At least one smoke detector exists (photo evidence supports this) but carbon monoxide alarm and GFCI outlets are not visible and should be confirmed/installed if missing.
- Dock, bulkhead and boat hoist are structurally sound as they appear in photos; no submerged/hidden damage was observed.
- No severe hidden mold, termite damage, or foundation movement is present; photos show no evidence but interiors and crawlspaces were not inspected.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,590 | $223,300 | $22,330 |
| 2024 | $2,586 | $223,300 | $22,330 |
| 2023 | $2,685 | $213,700 | $21,370 |
| 2022 | $2,614 | $213,700 | $21,370 |
| 2021 | $1,116 | $97,100 | $9,710 |
| 2020 | $2,549 | $223,300 | $22,330 |
| 2019 | $1,503 | $130,000 | $13,000 |
| 2018 | $1,398 | $130,000 | $13,000 |
| 2017 | $1,398 | $130,000 | $13,000 |
| 2016 | $1,369 | $130,000 | $13,000 |
| 2015 | $1,393 | $130,000 | $13,000 |
| 2014 | $875 | $82,700 | $8,270 |
| 2013 | $875 | $82,700 | $8,270 |
| 2012 | $81 | $82,700 | $8,270 |
| 2011 | $78 | $82,600 | $8,260 |
| 2010 | $833 | $82,600 | $8,260 |
| 2009 | $833 | $82,600 | $8,260 |
| 2008 | $73 | — | $8,260 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-04-22 | Sold | — |
| 2019-08-05 | Sold | — |
| 2015-04-09 | Sold | — |
Photo Gallery
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
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},
{
"date": "2022-04-22",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2024-03-18T09:33:11Z",
"list_price": 239000,
"listing_id": "2939389534",
"last_update_date": "2022-04-25T08:21:03Z",
"last_status_change_date": "2024-03-18T09:33:11Z"
},
"event_name": "Listing removed",
"price_sqft": 0,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2329329",
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},
{
"date": "2019-08-06",
"price": 0,
"listing": null,
"event_name": "Sold",
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"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
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},
{
"date": "2019-08-05",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2019-12-13T18:57:58Z",
"list_price": 239000,
"listing_id": "2333227902",
"last_update_date": "2019-09-04T09:49:53Z",
"last_status_change_date": "2019-12-13T18:57:58Z"
},
"event_name": "Listing removed",
"price_sqft": 0,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2204315",
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},
{
"date": "2015-04-09",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
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},
{
"date": "2015-03-06",
"price": 135000,
"listing": {
"status": "off_market",
"list_date": "2012-11-27T07:00:00Z",
"list_price": 135000,
"listing_id": "558762459",
"last_update_date": "2015-03-06T22:26:01Z",
"last_status_change_date": "2015-03-06T22:26:01Z"
},
"event_name": "Listing removed",
"price_sqft": 95.20451339915374,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "934655",
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},
{
"date": "2014-11-28",
"price": 150000,
"listing": {
"status": "off_market",
"list_date": "2012-11-27T07:00:00Z",
"list_price": 135000,
"listing_id": "558762459",
"last_update_date": "2015-03-06T22:26:01Z",
"last_status_change_date": "2015-03-06T22:26:01Z"
},
"event_name": "Listing removed",
"price_sqft": 105.78279266572638,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "934655",
"price_change_percentage": null
},
{
"date": "2013-12-02",
"price": 150000,
"listing": {
"status": "off_market",
"list_date": "2012-11-27T07:00:00Z",
"list_price": 135000,
"listing_id": "558762459",
"last_update_date": "2015-03-06T22:26:01Z",
"last_status_change_date": "2015-03-06T22:26:01Z"
},
"event_name": "Relisted",
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "934655",
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},
{
"date": "2013-11-28",
"price": 150000,
"listing": {
"status": "off_market",
"list_date": "2012-11-27T07:00:00Z",
"list_price": 135000,
"listing_id": "558762459",
"last_update_date": "2015-03-06T22:26:01Z",
"last_status_change_date": "2015-03-06T22:26:01Z"
},
"event_name": "Listing removed",
"price_sqft": 105.78279266572638,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": "366 days",
"source_listing_id": "934655",
"price_change_percentage": null
},
{
"date": "2012-11-27",
"price": 150000,
"listing": {
"status": "off_market",
"list_date": "2012-11-27T07:00:00Z",
"list_price": 135000,
"listing_id": "558762459",
"last_update_date": "2015-03-06T22:26:01Z",
"last_status_change_date": "2015-03-06T22:26:01Z"
},
"event_name": "Listed",
"price_sqft": 105.78279266572638,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "934655",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8126872858",
"generated_at": "2026-03-27T02:07:24.813278Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 85.4
},
"utility_allowance": {
"zip_code": "70036",
"home_photo": "https://ap.rdcpix.com/af6943e4890143c0500a570d3749b314l-m499638038s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 184000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4920-Fran-Ln_Barataria_LA_70036_M81268-72858",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 230000.0,
"loan_term_years": 30,
"annual_cash_flow": 14171.1,
"mortgage_monthly": 1224.16,
"payment_standard": 1983.0,
"total_amount_out": 46000.0,
"additional_photos": [
"https://ap.rdcpix.com/af6943e4890143c0500a570d3749b314l-m2009885200s-w1280.jpg",
"https://ap.rdcpix.com/af6943e4890143c0500a570d3749b314l-m3017405901s-w1280.jpg",
"https://ap.rdcpix.com/af6943e4890143c0500a570d3749b314l-m2331785779s-w1280.jpg",
"https://ap.rdcpix.com/af6943e4890143c0500a570d3749b314l-m2557432226s-w1280.jpg",
"https://ap.rdcpix.com/af6943e4890143c0500a570d3749b314l-m2553457358s-w1280.jpg",
"https://ap.rdcpix.com/af6943e4890143c0500a570d3749b314l-m1735926893s-w1280.jpg",
"https://ap.rdcpix.com/af6943e4890143c0500a570d3749b314l-m631534361s-w1280.jpg",
"https://ap.rdcpix.com/af6943e4890143c0500a570d3749b314l-m182584053s-w1280.jpg",
"https://ap.rdcpix.com/af6943e4890143c0500a570d3749b314l-m363543672s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 123.17,
"monthly_cash_flow": 1180.92,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has 'Central' heating and the listing specifies 'Gas: Natural' is available.",
"utility": "Heating (Natural Gas)",
"allowance": 70
},
{
"note": "Property information explicitly states 'gas stove' and 'Gas: Natural'.",
"utility": "Cooking (Natural Gas)",
"allowance": 12
},
{
"note": "The property has a tankless water heater and natural gas is available, making a gas-fueled water heater the most probable choice.",
"utility": "Water Heating (Natural Gas)",
"allowance": 24
},
{
"note": "This is a standard fixed allowance for general electricity usage (lights, outlets, appliances, central AC) not covered by other specific utility types.",
"utility": "Other Electric",
"allowance": 67
},
{
"note": "The property details state the water source is 'Public'.",
"utility": "Water",
"allowance": 43
},
{
"note": "The property details explicitly list 'Sewer: City' and 'Public Sewer'.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard municipal service for a single-family residence and is included as a tenant-paid utility.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.31,
"down_payment_amount": 46000.0,
"property_tax_annual": 2667.7,
"property_tax_monthly": 222.31,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -518.78,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -43.23,
"cash_on_cash_return_after_debt": -0.01
},
"section8_assessment": {
"runs": [
{
"summary": "This waterfront single-family home appears largely turnkey for Section 8 occupancy. Photos and the listing indicate a 2022 full renovation including new roof and A/C, present appliances, tile flooring, intact exterior siding, a screened porch, and a functioning dock/bulkhead. Main inspection risks are missing/unclear evidence of CO detector and GFCI protection (kitchen/bath), and the inherent flood exposure of a canal-front property (assumable flood policy helps). With verification/installation of any missing detectors and standard pre-inspection checks (confirm HVAC, hot water, GFCI, deadbolt), the property is likely to pass an initial Housing Choice Voucher inspection with only minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 90.0,
"rationale": "Interior and exterior photos show a recently renovated home (listing states 2022 full update). Flooring (tile), cabinets, countertops, fixtures, screen porch, and dock appear in good condition with no visible deferred maintenance. Appliances (gas range, microwave, refrigerator, washer/dryer) are present in photos. Minor cosmetics (landscaping touch ups, small stains on driveway) are noted but are easy fixes and do not affect habitability."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 80.0,
"rationale": "No obvious life‑threatening hazards visible: no exposed wiring, ceiling collapse, major water stains, or broken stairs/handrails in photos. A smoke detector appears present in bedroom ceiling. Electrical panel is visible and appears intact. However, CO detector and GFCI-protected outlets (kitchen/bath) are not clearly shown in photos; presence is assumed but not verified. Waterfront location increases flood/egress considerations (assumable flood policy noted). Recommend confirming working smoke/CO detectors, GFCI installation, operable deadbolt on entry door, and functioning hot water prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 85.0,
"rationale": "Listing states new roof and new A/C in 2022 and photos show an intact shingled roof and visible HVAC vents; tankless water heater is called out in listing. Electrical panel seen in laundry area. Plumbing fixtures and laundry hookups are present and appear serviceable. No visible evidence of active leaks or water damage. Because system operation (AC cooling, water heater, hot water, electrical breakers, gas connections) cannot be fully verified from photos, a moderate deduction was applied despite positive listing claims."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 90.0,
"rationale": "Exterior siding, doors and windows appear intact; concrete driveway and walkway are serviceable. Screened porch and detached storage building look in good repair. Dock, bulkhead and boat hoist (installed 2019 per listing) are pictured and appear serviceable. Primary site concern is flood exposure due to canal/waterfront location and potential hurricane/flood impacts — listing indicates assumable flood insurance, which mitigates some risk."
}
],
"red_flags": [],
"confidence": 0.78,
"assumptions": [
"Listing is accurate: roof and A/C were replaced in 2022 and are in working condition.",
"Tankless water heater is present and operational as claimed in listing.",
"Appliances shown in photos (gas stove, microwave, refrigerator, washer/dryer) are functional or will be made functional prior to tenancy.",
"Electrical panel shown is properly labeled and breakers are operational; no hidden electrical hazards behind finished walls.",
"At least one smoke detector exists (photo evidence supports this) but carbon monoxide alarm and GFCI outlets are not visible and should be confirmed/installed if missing.",
"Dock, bulkhead and boat hoist are structurally sound as they appear in photos; no submerged/hidden damage was observed.",
"No severe hidden mold, termite damage, or foundation movement is present; photos show no evidence but interiors and crawlspaces were not inspected."
],
"overall_score": 86.0,
"rubric_version": "ns-predictor-v1.0"
},
{
"summary": "Likely to pass an initial Housing Choice Voucher / NSPIRE inspection with minimal, short‑term items to verify or correct. The home was renovated recently (2022) with a new roof, new A/C, tankless water heater, gas stove, and appears clean and structurally sound from photos. Primary inspection risks are missing/uncertain CO detector(s) (gas appliances present) and unverified GFCI protection in kitchen/bath — both are typically quick fixes. Waterfront location adds flood risk but not an automatic inspection failure. Expect rent‑ready status within 1–2 weeks after verifying/adding CO detectors, confirming GFCIs, and completing routine system checks (HVAC run, hot water, gas connections).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Interior photos show recent renovation (2022) with new finishes, intact tile flooring, painted walls, functioning cabinets and appliances visible (fridge, gas stove, microwave). No visible major cosmetic damage, cracks, stains or collapsed finishes. Minor landscaping/yard trim and routine touch-ups anticipated but no deferred-maintenance visible. Missing minor items (e.g., outlet covers not observed) would be easy fixes."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 80.0,
"rationale": "Photos show at least one smoke detector in a bedroom and secure doors/windows; electrical panel appears intact and wiring not exposed. House has gas appliances (gas stove, gas dryer hookup, tankless water heater) which increases need for CO detectors and proper venting; no CO detector visible in photos. GFCI outlet locations in kitchen/bath are not clearly visible. No active leaks, visible mold, collapsed ceilings, exposed wiring, or unsafe stairs observed. Because CO detectors and GFCI presence are not confirmed, moderate deduction applied for probable minor code items to install/verify."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 85.0,
"rationale": "Listing states new roof and A/C installed in 2022 and tankless water heater present; interior vents and ceiling fans appear intact. Electrical panel present and appears serviceable in photos; washer/dryer present. Dock and boat hoist are additional mechanical/site systems (installed 2019). No visible signs of HVAC failure, water heater corrosion, or plumbing leaks in photos. Score reduced slightly for unverified operational testing (HVAC run, hot water temp, water pressure, gas connections)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior siding, roofline and windows look in good condition; concrete driveways and walkways are intact with minor staining. Screened patio, bulkhead, dock and electric boat hoist appear in good repair. Flood exposure is a site risk (waterfront location, but listing notes assumable flood policy), so drainage/floodproofing and long-term bulkhead condition should be confirmed in inspection. No visible foundation settlement, major erosion, standing water, or infestation evidence in provided photos."
}
],
"red_flags": [],
"confidence": 0.78,
"assumptions": [
"Listing is accurate: roof and A/C were replaced in 2022 and tankless water heater is operational.",
"Gas stove and gas dryer hookup are present as stated; gas piping and venting are assumed installed to code but not visually verified.",
"Smoke detector shown in bedroom photo is functional; additional detectors in common areas/hallways are assumed but not visible.",
"No major hidden structural or moisture damage exists behind finished surfaces; recent renovation suggests underlying issues were addressed.",
"Dock, bulkhead and boat hoist are serviceable based on photos and listing dates but their structural capacity and anchoring were not inspected."
],
"overall_score": 85.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "This single-family waterfront home appears largely turnkey for Section 8 tenancy. Recent major upgrades (roof, A/C, tankless water heater) and clean, updated interior finishes strongly favor a passing initial NSPIRE inspection after verification of a few safety items. Primary outstanding verification needs are presence of carbon monoxide detector(s) (required because of gas appliances), confirmation of GFCI protection in kitchen/bath, and ensuring safe guardrails/means of protection or appropriate tenant warnings for the dock area. If CO detector(s) and GFCI outlets are installed and the dock is documented as safe or excluded from the rental unit inspection scope, the property is likely to pass with minimal work within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 90.0,
"rationale": "Interior and exterior photos show a recently renovated, well-maintained home (kitchen cabinets, tile floors, fresh paint, screened patio). Appliances (refrigerator, gas range, microwave, washer and dryer) are present. Concrete driveway and walkways are intact. Minor cosmetic items (landscaping mulch, small driveway staining) visible but no deferred-maintenance evidence. Missing/loose small finish items not shown. Overall turnkey cosmetic condition."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "No obvious life‑threatening hazards photographed: ceilings intact, no visible water stains or mold, electrical panel appears present and intact, receptacles covered. A ceiling smoke detector is visible in at least one bedroom photo. However, CO detector(s) are not visible despite confirmed gas appliances (gas stove and gas dryer hookup per listing) — HUD/NSPIRE requires CO protection where fuel-burning appliances or gas lines are present. GFCI presence in kitchen/bath is not verifiable from photos. Exterior dock appears to have no guardrail; dock/water access introduces additional safety considerations for families with children. Because smoke detection appears present but CO/GFCI/guardrail information is missing, score is moderate-high but not perfect."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 90.0,
"rationale": "Listing states a brand-new roof and A/C installed in 2022 and a tankless water heater; photos show HVAC vents and appear consistent with a working system. Electrical panel visible in laundry photo; appliances present and appear in good condition. No visible signs of active leaks, water heater failure, or major system deterioration. Given recent updates and no photographic indications of system failure, mechanical systems appear in very good condition."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior siding, roof lines and foundation appear intact in photos; yard and walkways are maintained. Property includes screened patio, separate storage shed, bulkhead, dock and electric boat hoist (2019) which are positives for waterfront utility. Waterfront location increases flood risk (listing notes assumable flood insurance) and the dock lacks guardrails which is a safety consideration. Overall exterior is maintained but waterfront/flood exposure and waterfront structures slightly reduce the score."
}
],
"red_flags": [
"No visible carbon monoxide (CO) detector in photos despite presence of gas range and gas dryer hookup — CO protection required where fuel-burning appliances or gas lines exist.",
"Dock/bulkhead area has no visible guardrail; waterfront access presents a child/pet safety risk and may require tenant warnings or mitigations.",
"GFCI protection in kitchen/baths not verifiable from photos — needs confirmation during inspection."
],
"confidence": 0.75,
"assumptions": [
"Listing statement that roof and A/C were replaced in 2022 is accurate and units are operational.",
"Tankless water heater exists and is functional as stated in the listing (not photographed).",
"At least one smoke detector is present (visible in bedroom photo); additional detectors may be installed but not shown.",
"Carbon monoxide detector(s) are not visible in the provided photos and therefore treated as unknown/missing until confirmed.",
"Electrical panel shown behind laundry appliances is intact and serviceable; no hidden electrical hazards inferred from visible condition.",
"Dock, bulkhead and boat hoist are part of the property and in serviceable condition per listing/photos; guardrails are not present on dock.",
"No visible evidence of structural sagging, foundation movement, roof leaks, severe mold, or collapsed ceilings in the photos — absence of evidence used to infer acceptable condition.",
"GFCI outlets in kitchen/bath are not visible in photos and therefore considered unknown.",
"Front door likely secures properly (photo shows a door) but deadbolt presence was not confirmed from images."
],
"overall_score": 85.0,
"rubric_version": "nsPIRE-v1-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4920 Fran Ln, Barataria, LA, 70036",
"aggregate": {
"summary": "This waterfront single-family home appears largely turnkey for Section 8 occupancy. Photos and the listing indicate a 2022 full renovation including new roof and A/C, present appliances, tile flooring, intact exterior siding, a screened porch, and a functioning dock/bulkhead. Main inspection risks are missing/unclear evidence of CO detector and GFCI protection (kitchen/bath), and the inherent flood exposure of a canal-front property (assumable flood policy helps). With verification/installation of any missing detectors and standard pre-inspection checks (confirm HVAC, hot water, GFCI, deadbolt), the property is likely to pass an initial Housing Choice Voucher inspection with only minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 90.0,
"rationale": "Interior and exterior photos show a recently renovated home (listing states 2022 full update). Flooring (tile), cabinets, countertops, fixtures, screen porch, and dock appear in good condition with no visible deferred maintenance. Appliances (gas range, microwave, refrigerator, washer/dryer) are present in photos. Minor cosmetics (landscaping touch ups, small stains on driveway) are noted but are easy fixes and do not affect habitability."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 85.0,
"rationale": "Exterior siding, doors and windows appear intact; concrete driveway and walkway are serviceable. Screened porch and detached storage building look in good repair. Dock, bulkhead and boat hoist (installed 2019 per listing) are pictured and appear serviceable. Primary site concern is flood exposure due to canal/waterfront location and potential hurricane/flood impacts — listing indicates assumable flood insurance, which mitigates some risk."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.3,
"rationale": "No obvious life‑threatening hazards visible: no exposed wiring, ceiling collapse, major water stains, or broken stairs/handrails in photos. A smoke detector appears present in bedroom ceiling. Electrical panel is visible and appears intact. However, CO detector and GFCI-protected outlets (kitchen/bath) are not clearly shown in photos; presence is assumed but not verified. Waterfront location increases flood/egress considerations (assumable flood policy noted). Recommend confirming working smoke/CO detectors, GFCI installation, operable deadbolt on entry door, and functioning hot water prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 86.7,
"rationale": "Listing states new roof and new A/C in 2022 and photos show an intact shingled roof and visible HVAC vents; tankless water heater is called out in listing. Electrical panel seen in laundry area. Plumbing fixtures and laundry hookups are present and appear serviceable. No visible evidence of active leaks or water damage. Because system operation (AC cooling, water heater, hot water, electrical breakers, gas connections) cannot be fully verified from photos, a moderate deduction was applied despite positive listing claims."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing is accurate: roof and A/C were replaced in 2022 and are in working condition.",
"Tankless water heater is present and operational as claimed in listing.",
"Appliances shown in photos (gas stove, microwave, refrigerator, washer/dryer) are functional or will be made functional prior to tenancy.",
"Electrical panel shown is properly labeled and breakers are operational; no hidden electrical hazards behind finished walls.",
"At least one smoke detector exists (photo evidence supports this) but carbon monoxide alarm and GFCI outlets are not visible and should be confirmed/installed if missing.",
"Dock, bulkhead and boat hoist are structurally sound as they appear in photos; no submerged/hidden damage was observed.",
"No severe hidden mold, termite damage, or foundation movement is present; photos show no evidence but interiors and crawlspaces were not inspected."
],
"score_method": "mean_of_criteria",
"overall_score": 85.4,
"rubric_version": "ns-predictor-v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8126872858"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.