Property ID: 8129613234
1909 Hoke Ave, Tarrant, AL, 35217
Tarrant, AL
Money Down: $12,840
CoC Return: 25.87%
Monthly Cash Flow: $277
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$10,700
Closing Costs
$2,140
Total Down
$12,840
Investment Snapshot
Purchase Price
$53,500
Money Down
$12,840
Cash-on-Cash Return
25.87%
Rent
$729
Monthly Cash Flow
$277
Annual Cash Flow
$3,321
Debt Service / Mo
$285
Property Tax / Mo
$49
Insurance / Mo
$46
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$729
Payment Standard
$1,133
Rent
$729
Insurance
$46
Property Tax
$49
Management
$73
Utilities Allowance
$404
NOI (Monthly)
$562
Debt Service
$285
Cash Flow After Debt
$277
Quality Score: 66.70%
Confidence: 85.00%
Overall the property appears largely serviceable and was updated in 2019 (electrical, plumbing, roof, and HVAC), so it is likely to pass an initial Section 8 / HCV (NSPIRE) inspection after addressing a few predictable items. Primary needs before leasing: verify and install working smoke/CO detectors per code, clear interior clutter (egress paths), remediate bathroom tub edge/mildew, clear roof gutters and remove roof debris, and perform a hands-on check of the rear deck connections/handrails. Systems appear updated and functional based on listing and photos, so with 1–3 days of targeted repairs and cleaning (and a deck check) the property should be rent-ready. Tenant occupancy may limit immediate verification of detectors and system operation and will require coordination.
Section 8 Payment Standard
$1,133
Utility Allowance Total
$404
Guaranteed Section 8 Rent (PS - Utilities)
$729
Property Management
$73
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$53,500
Beds
2
Baths
1
Living Area
672 sqft
Lot Size
7,405 sqft
Year Built
1959
Days on Market
78
Capital Outlay
$12,840
Debt Service
$285
Property Tax / Mo
$49
Insurance / Mo
$46
Property Description
INVESTMENT OPPORTUNITY. Recently renovated (2019) 2 bedroom and 1 bathroom cutie in Tarrant with long-term tenant paying $725. Updates include electrical, plumbing, new roof, gutters and new 1.5 ton electrical split system AC/furnace combo. Schedule your showing today! Please do not disturb tenant.
Utility Allowances
Cooking
$13
Property is in Tarrant and has an electric stove. Selected 'Elec: Tarrant' from the schedule.
Water Heating
$35
Property is in Tarrant and has an electric water heater. Selected 'Elec: Tarrant' from the schedule.
Heating
$63
Property is in Tarrant and has an electric furnace/central heat. Selected 'Elec Heat: Tarrant' from the schedule.
Cooling
$14
Property is in Tarrant and has central electric A/C. Selected 'A/C: Tarrant' from the schedule.
Other Electric
$52
Covers standard electrical usage for lights and appliances. Selected 'Lights, Ref, Etc.: Tarrant' for the property's location. The landlord provides the refrigerator, so its cost is included here.
Refrigerator
$0
The property includes a refrigerator, so no separate tenant allowance is provided.
Range/Microwave
$6
A microwave is not listed as an included appliance, so it is assumed to be tenant-owned.
Water
$69
Property has public water. Tarrant is served by the Birmingham Water Works Board, so the 'Water: Birmingham' rate was used as the most applicable option.
Sewer
$125
Property is connected to public sewer. The schedule provides a single county-wide allowance.
Trash Collection
$27
The property is located within Tarrant city limits, so 'Tarrant City ISCL' was selected from the schedule.
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$425
DP3 Annual Estimate$679
DP1 Monthly Equivalent$35
DP3 Monthly Equivalent$57
Replacement Value$36,600
Basis672 sqft / 1959
Nearby Houses
Photo unavailable
1901 Hoke Ave
for_sale · 0.01 mi
Price: $85,900
3 bd / 1 ba · 1,109 sqft
Latest sale: $100,000
Latest rent: —
Photo unavailable
1824 Hoke Ave
sold · 0.06 mi
Price: $77,500
3 bd / 1 ba · 912 sqft
Latest sale: $77,500 on Nov 04, 2021
Latest rent: —
Photo unavailable
937 Linthicum St
sold · 0.07 mi
Price: $168,500
5 bd / 2 ba · 1,566 sqft
Latest sale: $168,500
Latest rent: —
Photo unavailable
1817 Hoke Ave
sold · 0.07 mi
Price: $75,000
3 bd / 1 ba · 912 sqft
Latest sale: $75,000
Latest rent: —
Photo unavailable
1917 Day Ave
sold · 0.07 mi
Price: $14,000
3 bd / 1 ba · 975 sqft
Latest sale: $14,000
Latest rent: —
Photo unavailable
1909 Day Ave
sold · 0.08 mi
Price: $14,900
3 bd / 1 ba · 975 sqft
Latest sale: $14,900 on Jul 26, 2019
Latest rent: —
Photo unavailable
1916 Burgin Ave
sold · 0.08 mi
Price: $20,400
3 bd / 1 ba · 1,375 sqft
Latest sale: $20,400
Latest rent: —
Photo unavailable
1920 Burgin Ave
sold · 0.09 mi
Price: $205,000
4 bd / 4 ba · 2,342 sqft
Latest sale: $205,000
Latest rent: —
Photo unavailable
1928 Burgin Ave
sold · 0.09 mi
Price: $130,000
2 bd / 1 ba · 816 sqft
Latest sale: $130,000
Latest rent: —
Photo unavailable
1829 Hatchet Ave
sold · 0.10 mi
Price: $149,900
3 bd / 1 ba · 1,378 sqft
Latest sale: $149,900
Latest rent: —
Photo unavailable
2009 Day Ave
sold · 0.10 mi
Price: $123,000
3 bd / 1 ba · 1,034 sqft
Latest sale: $123,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- missing_or_unverified_smoke_co_detectors_in_photos (NSPIRE requires functioning smoke detectors in sleeping areas and common halls)
- egress_blocked_by_interior_clutter (one bedroom piled with boxes obstructing exit path and windows)
- roof_debris_and_gutter_clogging_present (heavy leaf accumulation; risk for water intrusion if not cleared)
- exterior_deck_weathering_requires_structural_check (elevated deck/stairs weathered — need inspection of ledger, posts, fasteners)
- tenant_occupancy_limiting_full_verification (seller note 'do not disturb tenant' may prevent full operational checks during inspection)
Assumptions
- Listing statement that electrical, plumbing, roof, gutters and split AC/furnace were replaced in 2019 is accurate and systems remain serviceable.
- Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be absent or not visible/locatable and should be verified/installed.
- No visible active roof leaks inside (no large interior water stains) despite leaves on roof; assume roof membrane is intact per listing but gutters clogged.
- Water heater and electrical panel are present and functional though not shown; assume typical working condition given listing updates but recommend verification.
- Tenant occupancy means the inspector may not be able to fully verify some items (panel access, water heater, HVAC operation) without coordination — photos may not show all safety devices.
- Rear deck appears structurally supported but photos do not allow verification of fastener condition or rot at joists/posts; assume need for physical check.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $566 | $50,200 | $10,040 |
| 2023 | $566 | $50,200 | $10,040 |
| 2022 | $417 | $37,000 | $7,400 |
| 2021 | $452 | $40,100 | $8,020 |
| 2020 | $432 | $38,300 | $7,660 |
| 2019 | $448 | $39,800 | $7,960 |
| 2018 | $150 | $35,600 | $3,560 |
| 2017 | $150 | $35,600 | $3,560 |
| 2016 | $183 | $42,000 | $4,200 |
| 2015 | $196 | $44,100 | $4,420 |
| 2013 | $183 | $40,900 | $4,100 |
| 2012 | $197 | $43,500 | $4,350 |
| 2011 | $224 | $48,400 | $4,840 |
| 2010 | $224 | $48,400 | $4,840 |
| 2009 | $224 | $48,400 | $4,840 |
| 2008 | $230 | $49,400 | $4,940 |
| 2007 | $221 | $47,700 | $4,770 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Relisted | $53,500 |
| 2026-02-10 | Listing removed | $0 |
| 2026-01-07 | Price Changed | $53,500 |
| 2025-11-30 | Listed | $58,500 |
| 2025-10-01 | Listing removed | $0 |
| 2025-06-20 | Price Changed | $60,000 |
| 2025-04-26 | Price Changed | $63,900 |
| 2025-02-26 | Listed | $65,000 |
Photo Gallery
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"show_contact_an_agent": true,
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},
"search_promotions": null,
"price_reduced_amount": 5000,
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{
"tax": 566,
"year": 2024,
"market": {
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"total": 50200,
"building": 36600
},
"assessment": {
"land": null,
"total": 10040,
"building": null
}
},
{
"tax": 566,
"year": 2023,
"market": {
"land": 13600,
"total": 50200,
"building": 36600
},
"assessment": {
"land": null,
"total": 10040,
"building": null
}
},
{
"tax": 417,
"year": 2022,
"market": {
"land": 13600,
"total": 37000,
"building": 23400
},
"assessment": {
"land": null,
"total": 7400,
"building": null
}
},
{
"tax": 452,
"year": 2021,
"market": {
"land": 13600,
"total": 40100,
"building": 26500
},
"assessment": {
"land": null,
"total": 8020,
"building": null
}
},
{
"tax": 432,
"year": 2020,
"market": {
"land": 13600,
"total": 38300,
"building": 24700
},
"assessment": {
"land": null,
"total": 7660,
"building": null
}
},
{
"tax": 448,
"year": 2019,
"market": {
"land": 13600,
"total": 39800,
"building": 26200
},
"assessment": {
"land": null,
"total": 7960,
"building": null
}
},
{
"tax": 150,
"year": 2018,
"market": {
"land": 13600,
"total": 35600,
"building": 22000
},
"assessment": {
"land": null,
"total": 3560,
"building": null
}
},
{
"tax": 150,
"year": 2017,
"market": {
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"total": 35600,
"building": 22000
},
"assessment": {
"land": null,
"total": 3560,
"building": null
}
},
{
"tax": 183,
"year": 2016,
"market": {
"land": 13600,
"total": 42000,
"building": 28400
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"assessment": {
"land": null,
"total": 4200,
"building": null
}
},
{
"tax": 196,
"year": 2015,
"market": {
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"total": 44100,
"building": 30500
},
"assessment": {
"land": null,
"total": 4420,
"building": null
}
},
{
"tax": 183,
"year": 2013,
"market": {
"land": 13600,
"total": 40900,
"building": 27300
},
"assessment": {
"land": null,
"total": 4100,
"building": null
}
},
{
"tax": 197,
"year": 2012,
"market": {
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"total": 43500,
"building": 29900
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"assessment": {
"land": 1360,
"total": 4350,
"building": 2990
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},
{
"tax": 224,
"year": 2011,
"market": {
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"total": 48400,
"building": 34800
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"assessment": {
"land": 1360,
"total": 4840,
"building": 3480
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},
{
"tax": 224,
"year": 2010,
"market": {
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"total": 48400,
"building": 34800
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"assessment": {
"land": 1360,
"total": 4840,
"building": 3480
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},
{
"tax": 224,
"year": 2009,
"market": {
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"total": 48400,
"building": 34800
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"assessment": {
"land": 1360,
"total": 4840,
"building": 3480
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},
{
"tax": 230,
"year": 2008,
"market": {
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"total": 49400,
"building": 35800
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"assessment": {
"land": 1360,
"total": 4940,
"building": 3580
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},
{
"tax": 221,
"year": 2007,
"market": {
"land": 12600,
"total": 47700,
"building": 35100
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"assessment": {
"land": 1260,
"total": 4770,
"building": 3510
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}
],
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{
"date": "2026-02-11",
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{
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{
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{
"date": "2025-11-30",
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"list_price": 53500,
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{
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{
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{
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{
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"rent_price": 729.0,
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"bedroom_count": 2,
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"monthly_cash_flow": 561.52,
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],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property is in Tarrant and has an electric stove. Selected 'Elec: Tarrant' from the schedule.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Property is in Tarrant and has an electric water heater. Selected 'Elec: Tarrant' from the schedule.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "Property is in Tarrant and has an electric furnace/central heat. Selected 'Elec Heat: Tarrant' from the schedule.",
"utility": "Heating",
"allowance": 63
},
{
"note": "Property is in Tarrant and has central electric A/C. Selected 'A/C: Tarrant' from the schedule.",
"utility": "Cooling",
"allowance": 14
},
{
"note": "Covers standard electrical usage for lights and appliances. Selected 'Lights, Ref, Etc.: Tarrant' for the property's location. The landlord provides the refrigerator, so its cost is included here.",
"utility": "Other Electric",
"allowance": 52
},
{
"note": "The property includes a refrigerator, so no separate tenant allowance is provided.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A microwave is not listed as an included appliance, so it is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 6
},
{
"note": "Property has public water. Tarrant is served by the Birmingham Water Works Board, so the 'Water: Birmingham' rate was used as the most applicable option.",
"utility": "Water",
"allowance": 69
},
{
"note": "Property is connected to public sewer. The schedule provides a single county-wide allowance.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "The property is located within Tarrant city limits, so 'Tarrant City ISCL' was selected from the schedule.",
"utility": "Trash Collection",
"allowance": 27
}
],
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"down_payment_amount": 10700.0,
"property_tax_annual": 582.98,
"property_tax_monthly": 48.58,
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"utility_allowance_total": 404.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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],
"effective_date": "2026-01-01"
},
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"annual_cash_flow_after_debt": 3321.23,
"property_management_monthly": 72.9,
"monthly_cash_flow_after_debt": 276.77,
"cash_on_cash_return_after_debt": 0.31
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"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears largely serviceable and was updated in 2019 (electrical, plumbing, roof, and HVAC), so it is likely to pass an initial Section 8 / HCV (NSPIRE) inspection after addressing a few predictable items. Primary needs before leasing: verify and install working smoke/CO detectors per code, clear interior clutter (egress paths), remediate bathroom tub edge/mildew, clear roof gutters and remove roof debris, and perform a hands-on check of the rear deck connections/handrails. Systems appear updated and functional based on listing and photos, so with 1–3 days of targeted repairs and cleaning (and a deck check) the property should be rent-ready. Tenant occupancy may limit immediate verification of detectors and system operation and will require coordination.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows recent renovations referenced in the listing (2019) and photos show intact flooring, functioning appliances (stove, fridge visible) and generally serviceable finishes. Visible deferred maintenance includes heavy clutter in at least one bedroom (blocks usable space), staining/dirt around tub edges, worn trim/paint, and leaf/debris accumulation on roof and porch. These are mostly cosmetic or moderate repairs (cleanout, re-caulking, paint, minor carpentry) that should be completed before turnover but are not structural. Missing outlet covers, minor cosmetic cabinet wear, and cleaning are likely but easily fixed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No obvious exposed wiring or visible electrical panel issues in photos. Deck and stair guardrails are present, and entry door appears secure. However, smoke detectors and carbon monoxide alarms are not visible in any interior photos (NSPIRE requires smoke detectors in sleeping areas and common halls), and one bedroom is piled with boxes restricting egress which would fail an inspection until cleared. Bathroom shows some deterioration at tub edges (mold/mildew potential). Roof gutters are clogged with leaves which can create water intrusion risk. Based on visible conditions the property has moderate safety / code risk that can likely be resolved quickly but will need attention (detectors installed/verified, clear egress, bathroom caulk/mold remediation)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 85.0,
"rationale": "Listing states electrical and plumbing were updated in 2019 and a new roof and new 1.5-ton split AC/furnace were installed in 2019. Photos show ceiling fans and a visibly serviceable kitchen and bathroom. There is no visual evidence of active plumbing leaks, failed HVAC equipment, or water intrusion. The main mechanical risk is unverified operation at time of inspection (tenant occupied) and debris on roof/gutters that should be cleared; otherwise recent system updates suggest good condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.0,
"rationale": "Exterior siding is intact but weathered and stained in places; gutters are present but filled with leaves (risk for drainage). Front ramp and fence are present; backyard slopes toward a wooded area which could create drainage/runoff considerations. Rear elevated deck and stairs appear serviceable with guardrails but show weathering and should be evaluated for decay at connections and footings. Yard is unmaintained (leaf litter, stump) but not showing standing water in photos. Overall site is usable but needs cleanup and minor repairs."
}
],
"red_flags": [
"missing_or_unverified_smoke_co_detectors_in_photos (NSPIRE requires functioning smoke detectors in sleeping areas and common halls)",
"egress_blocked_by_interior_clutter (one bedroom piled with boxes obstructing exit path and windows)",
"roof_debris_and_gutter_clogging_present (heavy leaf accumulation; risk for water intrusion if not cleared)",
"exterior_deck_weathering_requires_structural_check (elevated deck/stairs weathered — need inspection of ledger, posts, fasteners)",
"tenant_occupancy_limiting_full_verification (seller note 'do not disturb tenant' may prevent full operational checks during inspection)"
],
"confidence": 0.7,
"assumptions": [
"Listing statement that electrical, plumbing, roof, gutters and split AC/furnace were replaced in 2019 is accurate and systems remain serviceable.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be absent or not visible/locatable and should be verified/installed.",
"No visible active roof leaks inside (no large interior water stains) despite leaves on roof; assume roof membrane is intact per listing but gutters clogged.",
"Water heater and electrical panel are present and functional though not shown; assume typical working condition given listing updates but recommend verification.",
"Tenant occupancy means the inspector may not be able to fully verify some items (panel access, water heater, HVAC operation) without coordination — photos may not show all safety devices.",
"Rear deck appears structurally supported but photos do not allow verification of fastener condition or rot at joists/posts; assume need for physical check."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this small 2BR, 1BA investment appears economically rentable and likely to pass a Housing Choice Voucher inspection after minor corrective actions. Major systems appear updated per listing (roof, electrical, plumbing, HVAC) and no catastrophic structural failures are evident in photos. Primary inspection risks are missing/uncertain smoke and CO detectors, unverified GFCI protection in kitchen/bath, and tenant clutter that could block egress or create trip hazards. With installation/verification of detectors, GFCI outlets if required, clearing of egress paths, and routine exterior maintenance (gutter/roof debris removal and deck fastening check), the property is likely rent‑ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows lived-in/cluttered condition but no obvious major finish failures. Carpets/vinyl/tile show wear; cabinets and trim are older but intact. Appliances (stove, fridge) are present. Exterior porch ramp and front porch are weathered and have leaves/debris accumulation; rear deck and stairs are weathered but appear standing. Missing cosmetic work and clearing of tenant belongings needed, but no visible collapsed or structurally failed elements. Missing appliances would only moderately reduce score, and here basic appliances are present."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 50.0,
"rationale": "Electrical panel is visible and appears intact (listing claims electrical update 2019). Handrails and guardrails exist on front ramp and rear deck. However there are no visible smoke detectors or carbon monoxide alarms in photos (NSPIRE requires working smoke detectors), and GFCI protection in kitchen/bath is not verifiable from photos. There is a small ceiling discoloration in the living room that could indicate a past leak (needs verification). Interior clutter could create trip/egress hazards for an inspector. Because missing/uncertain presence of required detectors and GFCI outlets are common automatic fail items, this raises inspection risk despite otherwise acceptable conditions."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Listing states electrical and plumbing were updated and a new roof and 1.5-ton split AC/furnace were installed in 2019. Photos show ceiling fans and functioning kitchen appliances; an electrical panel is visible and appears closed/intact. No visible water stains indicating active leaks except a small ceiling discoloration. Rear elevated deck suggests foundation is masonry/block and appears stable in photos. Because the listing documents relatively recent system upgrades and no obvious mechanical failures are visible, systems score is good but not perfect without service records and verification of HVAC operation and water heater condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior siding appears intact; roof appears shingled (leaves and debris accumulating in gutters/roof valleys which should be cleared). Front ramp provides accessible entry but is weathered. Rear elevated deck and stair stringers appear structurally standing but show surface weathering and should be inspected for ledger connections and fastener integrity. Yard slopes toward wooded area; no standing water visible in photos. Chain-link fencing exists. Overall exterior shows deferred maintenance items (cleaning, minor wood repair) but no clear major foundation or collapse evidence in photos."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Listing statement that electrical, plumbing, roof and split HVAC were replaced in 2019 is accurate and systems were installed to code.",
"HVAC split system is operational though not visible in interior photos.",
"No active roof leaks exist despite a small ceiling discoloration; discoloration may be from a past, repaired event.",
"Smoke detectors and CO alarms are not present or not visible in photos and therefore require verification/installation.",
"GFCI protection in kitchen and bathroom is unknown and should be verified; absence would require relatively minor electrical work.",
"Tenant occupancy explains clutter; tenant will clear hallways/egress for inspection or landlord will remedy if required.",
"Foundation and structural members (rear block foundation, deck posts) are broadly intact — photos show no obvious major settlement or collapse."
],
"overall_score": 64.0,
"rubric_version": "2026-02-16_v1"
},
{
"summary": "Overall this 2BR/1BA cottage appears livable with mostly cosmetic and maintenance repairs required. Listing claims electrical, plumbing, roof and HVAC updates (2019) which, if verified, reduce major system risk. The primary inspection risks are missing/unclear smoke & CO detectors, clutter blocking egress in at least one bedroom, leaf-clogged roof/gutters, and weathered deck/porch elements that require close inspection. Likely in the 61–80 range: minor-to-moderate repairs and safety items (smoke/CO alarms, deck fasteners, gutter cleaning, bathroom caulking, cleaning/decluttering) should make this rent-ready within ~30 days if systems verify functional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 65.0,
"rationale": "Interior shows general wear, clutter/hoarding in at least one bedroom, stained/aged finishes, some ceiling staining around fixtures, dated cabinetry and flooring, and tub surround with discolored caulking. Appliances (stove, refrigerator) are present. Exterior siding and trim are dirty and the front porch/accessible ramp and rear deck are weathered but appear functionally intact. Overall cosmetic and light-repair needs predominate; no obvious catastrophic structural failure visible in photos."
},
{
"key": "safety_code",
"label": "NSPIRE safety & code compliance risk",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in interior photos (required). Clutter in a bedroom/rooms may block egress and present fire/trip hazard. Handrails are present on primary exterior stairs and ramp but deck and railing wood are visibly weathered and should be checked for structural soundness. No exposed wiring or obvious electrical hazards visible in photos; plumbing fixtures appear functional. Bathroom shows dirty/possibly degraded caulking and a floor vent close to tub which should be evaluated. Because smoke/CO detection and egress clearance are unclear or not present in images, there is moderate NSPIRE failure risk without minor remediation."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof, water heater)",
"score": 75.0,
"rationale": "Listing states electrical, plumbing, and roof were updated in 2019 and a new 1.5-ton electric split AC/furnace was installed. No HVAC equipment is shown but ceiling fans are present and kitchen/bath plumbing fixtures appear to function. Roof shows heavy leaf/debris accumulation in photos (can affect performance) but no active leaks or collapsed ceilings visible. Electrical panel, water heater and A/C operation are not visible; relying on listing disclosure and absence of visible system failure in interior photos suggests systems are likely serviceable but should be verified on inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, drainage, walkways",
"score": 65.0,
"rationale": "Exterior siding appears intact though soiled; roof has significant leaf/debris buildup and gutters may be clogged. Front yard is fenced; ramp provides accessible entry. Rear deck and stair stringers/posts look intact but weathered and should be checked for rot and fastener integrity. Yard slopes toward a wooded area; there is a large stump and vegetation close to the home that could affect drainage. No obvious standing water observed in photos."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in interior photos — likely NSPIRE fail until installed/verified.",
"Extensive clutter/hoarding in at least one bedroom — potential blocked egress and hidden damage; must be cleared for inspection.",
"Rear deck and stair stringers/railings are weathered and require close structural inspection (potential unsafe stairs/handrail issue).",
"Significant leaf/debris accumulation on roof and in gutters — risk of drainage/backwater and potential concealed roof issues if not cleaned."
],
"confidence": 0.7,
"assumptions": [
"Listing disclosures are accurate: electrical, plumbing, roof and 1.5-ton split HVAC were updated/installed in 2019 and are operational unless inspection finds otherwise.",
"Water heater and electrical panel are present and serviceable though not shown in photos.",
"Bedrooms have egress-capable windows (photos show windows in bedrooms) though exact emergency egress size compliance is unverified.",
"Absence of visible smoke/CO detectors in photos means they may be missing or not visible; I assume detectors are not reliably present and must be confirmed/installed.",
"Clutter seen in photos is tenant belongings; a move-out or deep-clean will be required to fully inspect hidden issues (walls, flooring, outlets).",
"Deck and porch structural members are assumed intact but weathered—no visible sagging or immediate collapse observed in provided images."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1909 Hoke Ave, Tarrant, AL, 35217",
"aggregate": {
"summary": "Overall the property appears largely serviceable and was updated in 2019 (electrical, plumbing, roof, and HVAC), so it is likely to pass an initial Section 8 / HCV (NSPIRE) inspection after addressing a few predictable items. Primary needs before leasing: verify and install working smoke/CO detectors per code, clear interior clutter (egress paths), remediate bathroom tub edge/mildew, clear roof gutters and remove roof debris, and perform a hands-on check of the rear deck connections/handrails. Systems appear updated and functional based on listing and photos, so with 1–3 days of targeted repairs and cleaning (and a deck check) the property should be rent-ready. Tenant occupancy may limit immediate verification of detectors and system operation and will require coordination.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.3,
"rationale": "Interior shows recent renovations referenced in the listing (2019) and photos show intact flooring, functioning appliances (stove, fridge visible) and generally serviceable finishes. Visible deferred maintenance includes heavy clutter in at least one bedroom (blocks usable space), staining/dirt around tub edges, worn trim/paint, and leaf/debris accumulation on roof and porch. These are mostly cosmetic or moderate repairs (cleanout, re-caulking, paint, minor carpentry) that should be completed before turnover but are not structural. Missing outlet covers, minor cosmetic cabinet wear, and cleaning are likely but easily fixed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.0,
"rationale": "Exterior siding is intact but weathered and stained in places; gutters are present but filled with leaves (risk for drainage). Front ramp and fence are present; backyard slopes toward a wooded area which could create drainage/runoff considerations. Rear elevated deck and stairs appear serviceable with guardrails but show weathering and should be evaluated for decay at connections and footings. Yard is unmaintained (leaf litter, stump) but not showing standing water in photos. Overall site is usable but needs cleanup and minor repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No obvious exposed wiring or visible electrical panel issues in photos. Deck and stair guardrails are present, and entry door appears secure. However, smoke detectors and carbon monoxide alarms are not visible in any interior photos (NSPIRE requires smoke detectors in sleeping areas and common halls), and one bedroom is piled with boxes restricting egress which would fail an inspection until cleared. Bathroom shows some deterioration at tub edges (mold/mildew potential). Roof gutters are clogged with leaves which can create water intrusion risk. Based on visible conditions the property has moderate safety / code risk that can likely be resolved quickly but will need attention (detectors installed/verified, clear egress, bathroom caulk/mold remediation)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 76.7,
"rationale": "Listing states electrical and plumbing were updated in 2019 and a new roof and new 1.5-ton split AC/furnace were installed in 2019. Photos show ceiling fans and a visibly serviceable kitchen and bathroom. There is no visual evidence of active plumbing leaks, failed HVAC equipment, or water intrusion. The main mechanical risk is unverified operation at time of inspection (tenant occupied) and debris on roof/gutters that should be cleared; otherwise recent system updates suggest good condition."
}
],
"red_flags": [
"missing_or_unverified_smoke_co_detectors_in_photos (NSPIRE requires functioning smoke detectors in sleeping areas and common halls)",
"egress_blocked_by_interior_clutter (one bedroom piled with boxes obstructing exit path and windows)",
"roof_debris_and_gutter_clogging_present (heavy leaf accumulation; risk for water intrusion if not cleared)",
"exterior_deck_weathering_requires_structural_check (elevated deck/stairs weathered — need inspection of ledger, posts, fasteners)",
"tenant_occupancy_limiting_full_verification (seller note 'do not disturb tenant' may prevent full operational checks during inspection)"
],
"confidence": 0.85,
"assumptions": [
"Listing statement that electrical, plumbing, roof, gutters and split AC/furnace were replaced in 2019 is accurate and systems remain serviceable.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be absent or not visible/locatable and should be verified/installed.",
"No visible active roof leaks inside (no large interior water stains) despite leaves on roof; assume roof membrane is intact per listing but gutters clogged.",
"Water heater and electrical panel are present and functional though not shown; assume typical working condition given listing updates but recommend verification.",
"Tenant occupancy means the inspector may not be able to fully verify some items (panel access, water heater, HVAC operation) without coordination — photos may not show all safety devices.",
"Rear deck appears structurally supported but photos do not allow verification of fastener condition or rot at joists/posts; assume need for physical check."
],
"score_method": "mean_of_criteria",
"overall_score": 66.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8129613234"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.