Property ID: 8134517817
817 Jackson Blvd, Birmingham, AL, 35217
Birmingham, AL
Money Down: $25,333
CoC Return: 7.41%
Monthly Cash Flow: $157
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,111
Closing Costs
$4,222
Total Down
$25,333
Investment Snapshot
Purchase Price
$105,556
Money Down
$25,333
Cash-on-Cash Return
7.41%
Rent
$932
Monthly Cash Flow
$157
Annual Cash Flow
$1,878
Debt Service / Mo
$562
Property Tax / Mo
$65
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$932
Payment Standard
$1,419
Rent
$932
Insurance
$56
Property Tax
$65
Management
$93
Utilities Allowance
$487
NOI (Monthly)
$718
Debt Service
$562
Cash Flow After Debt
$157
Quality Score: 66.90%
Confidence: 78.00%
Overall this single-family home appears in generally good exterior condition and likely to pass an initial HCV/NSPIRE inspection after a brief interior check and minor fixes. Major exterior safety items (handrails/guardrails) are present and the roof/siding look serviceable. The biggest unknowns are interior safety items and mechanical systems (location/operation of HVAC, smoke/CO detectors, GFCIs, water heater). Because the property is under management and has recent rental activity, I estimate this would be rent-ready with minor work and likely pass within 1-3 weeks of addressing any missing detectors, GFCI outlets, or small repairs. Score derived from weighted assessment of visible condition (2.0), safety risk (1.5), systems (1.5), and exterior/site (1.0) with a small positive weighting for verified rental history.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$487
Guaranteed Section 8 Rent (PS - Utilities)
$932
Property Management
$93
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$105,556
Beds
3
Baths
1
Living Area
1,025 sqft
Lot Size
6,970 sqft
Year Built
1963
Days on Market
98
Capital Outlay
$25,333
Debt Service
$562
Property Tax / Mo
$65
Insurance / Mo
$56
Property Description
Property is part of a 9 door portfolio. One of the 9 is a townhome. Properties are to be sold together and not broken up into individual sales. All information available in MLS documents tab. Properties are currently under management with a local property management company.
Utility Allowances
cooking
$16
Property information specifies 'Stove-Electric' and the property is in the 'Tarrant' service area, matching this schedule option.
heating
$77
Property information specifies 'Heating Features: Electric (HEAT)' and is located in the 'Tarrant' area, which corresponds to this schedule option.
cooling
$17
Property information specifies 'Cooling Features: Electric (COOL)' and is located in the 'Tarrant' area, matching this schedule option.
water_heating
$43
Property information specifies 'Water Heaters: Electric (WTRHTR)' and is located in the 'Tarrant' area.
water
$78
Property information states 'Water Source: Public Water'. 'Water: Birmingham' is selected as Tarrant is a city within the greater Birmingham area served by Birmingham Water Works.
sewer
$151
Property information confirms 'Sewer: Connected'. The utility schedule provides a single fixed rate for sewer.
trash_collection
$27
Property is located in the Tarrant city area, which directly matches the 'Tarrant City ISCL' (Inside City Limits) option on the schedule.
other_electric
$64
Selected 'Tarrant' to align with other electric utilities. This allowance covers lights, small appliances, and general electric use.
refrigerator
$8
A refrigerator is not listed in the property's provided appliances, so it is assumed to be tenant-owned.
range_microwave
$6
A microwave is not listed in the property's provided appliances, so it is assumed to be tenant-owned.
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$535
DP3 Annual Estimate$807
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$67
Replacement Value$53,100
Basis1,025 sqft / 1963
Nearby Houses
Photo unavailable
833 Jackson Blvd
for_sale · 0.04 mi
Price: $105,556
3 bd / 2 ba · 1,944 sqft
Latest sale: $875,000
Latest rent: —
Photo unavailable
820 Jackson Blvd
sold · 0.04 mi
Price: $36,000
3 bd / 1 ba · 906 sqft
Latest sale: $36,000
Latest rent: —
Photo unavailable
804 Fulton Ave
sold · 0.04 mi
Price: $123,200
2 bd / 2 ba · 1,008 sqft
Latest sale: $123,200
Latest rent: —
Photo unavailable
836 Jackson Blvd
for_sale · 0.06 mi
Price: $49,900
3 bd / 1 ba · 1,414 sqft
Latest sale: $39,900
Latest rent: —
Photo unavailable
813 Fulton Ave
sold · 0.07 mi
Price: $60,000
2 bd / 1 ba · 1,191 sqft
Latest sale: $60,000
Latest rent: —
Photo unavailable
732 Fulton Ave
for_sale · 0.07 mi
Price: $114,900
4 bd / 2 ba · 1,320 sqft
Latest sale: $142,000 on Jun 09, 2022
Latest rent: $1,325 on Feb 23, 2024
Photo unavailable
833 Overton Ave
sold · 0.08 mi
Price: $26,000
3 bd / 1 ba · 1,264 sqft
Latest sale: $26,000
Latest rent: —
Photo unavailable
837 Overton Ave
sold · 0.08 mi
Price: $12,000
4 bd / 2 ba · 1,317 sqft
Latest sale: $12,000 on Feb 17, 2017
Latest rent: —
Photo unavailable
724 Fulton Ave
sold · 0.09 mi
Price: $55,000
3 bd / 1 ba · 1,340 sqft
Latest sale: $55,000
Latest rent: —
Photo unavailable
717 Jackson Blvd
sold · 0.11 mi
Price: $65,000
4 bd / 1 ba · 1,604 sqft
Latest sale: $65,000
Latest rent: —
Photo unavailable
828 Overton Ave
sold · 0.11 mi
Price: $7,500
3 bd / 1 ba · 1,112 sqft
Latest sale: $7,500
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior pictures not provided; assume interior has typical rental wear but no visible severe damage.
- No active roof leaks or interior ceiling collapse (inferred from intact exterior roofline and eaves).
- HVAC equipment is present and operational but not visible in front photos (could be located at rear).
- Electrical panel is intact and there is no visible exterior exposed wiring.
- Smoke detectors and CO detectors may be present but were not verifiable from photos; expect at least basic detectors since property is managed.
- Plumbing and hot water are functional (no visible signs of exterior water damage or drainage failures).
- Missing/unknown interior appliances (stove, refrigerator) are not present in photos and would be treated as moderate, fixable items rather than inspection-fatal unless related wiring/gas hazards are found.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $752 | $66,700 | $13,340 |
| 2023 | $752 | $66,700 | $13,340 |
| 2022 | $533 | $47,300 | $9,460 |
| 2021 | $585 | $51,900 | $10,380 |
| 2020 | $640 | $56,800 | $11,360 |
| 2019 | $672 | $59,600 | $11,920 |
| 2018 | $238 | $51,600 | $5,160 |
| 2017 | $238 | $51,600 | $5,160 |
| 2016 | $223 | $48,900 | $4,900 |
| 2015 | $238 | $51,600 | $5,160 |
| 2013 | $220 | $47,500 | $4,760 |
| 2012 | $239 | $50,900 | $5,090 |
| 2011 | $243 | $51,600 | $5,160 |
| 2010 | $243 | $51,600 | $5,160 |
| 2009 | $243 | $51,600 | $5,160 |
| 2008 | $249 | $52,700 | $5,270 |
| 2007 | $239 | $50,900 | $5,090 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-08-01 | Sold | $11,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2021-12-29 | Listed for rent | $850 | — |
Photo Gallery
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21436348",
"price_change_percentage": "-87.94%"
},
{
"date": "2022-12-30",
"price": 875000,
"listing": null,
"event_name": "Sold",
"price_sqft": 853.6585365853658,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8134517817",
"generated_at": "2026-02-16T03:14:32.352092Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.9
},
"utility_allowance": {
"zip_code": "35217",
"home_photo": "https://ap.rdcpix.com/105f65ab3526357540fc8b28c1d5bc3el-m513452904s-w1280.jpg",
"rent_price": 932.0,
"loan_amount": 84444.8,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/817-Jackson-Blvd_Birmingham_AL_35217_M81345-17817",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 105556.0,
"loan_term_years": 30,
"annual_cash_flow": 8620.04,
"mortgage_monthly": 561.81,
"payment_standard": 1419.0,
"total_amount_out": 21111.2,
"additional_photos": [
"https://ap.rdcpix.com/105f65ab3526357540fc8b28c1d5bc3el-m3591313409s-w1280.jpg",
"https://ap.rdcpix.com/105f65ab3526357540fc8b28c1d5bc3el-m3844872564s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 55.92,
"monthly_cash_flow": 718.34,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property information specifies 'Stove-Electric' and the property is in the 'Tarrant' service area, matching this schedule option.",
"utility": "cooking",
"allowance": 16
},
{
"note": "Property information specifies 'Heating Features: Electric (HEAT)' and is located in the 'Tarrant' area, which corresponds to this schedule option.",
"utility": "heating",
"allowance": 77
},
{
"note": "Property information specifies 'Cooling Features: Electric (COOL)' and is located in the 'Tarrant' area, matching this schedule option.",
"utility": "cooling",
"allowance": 17
},
{
"note": "Property information specifies 'Water Heaters: Electric (WTRHTR)' and is located in the 'Tarrant' area.",
"utility": "water_heating",
"allowance": 43
},
{
"note": "Property information states 'Water Source: Public Water'. 'Water: Birmingham' is selected as Tarrant is a city within the greater Birmingham area served by Birmingham Water Works.",
"utility": "water",
"allowance": 78
},
{
"note": "Property information confirms 'Sewer: Connected'. The utility schedule provides a single fixed rate for sewer.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Property is located in the Tarrant city area, which directly matches the 'Tarrant City ISCL' (Inside City Limits) option on the schedule.",
"utility": "trash_collection",
"allowance": 27
},
{
"note": "Selected 'Tarrant' to align with other electric utilities. This allowance covers lights, small appliances, and general electric use.",
"utility": "other_electric",
"allowance": 64
},
{
"note": "A refrigerator is not listed in the property's provided appliances, so it is assumed to be tenant-owned.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed in the property's provided appliances, so it is assumed to be tenant-owned.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.41,
"down_payment_amount": 21111.2,
"property_tax_annual": 774.56,
"property_tax_monthly": 64.55,
"property_tax_increase": 0.03,
"utility_allowance_total": 487.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 1878.28,
"property_management_monthly": 93.2,
"monthly_cash_flow_after_debt": 156.52,
"cash_on_cash_return_after_debt": 0.09
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single-family home appears in generally good exterior condition and likely to pass an initial HCV/NSPIRE inspection after a brief interior check and minor fixes. Major exterior safety items (handrails/guardrails) are present and the roof/siding look serviceable. The biggest unknowns are interior safety items and mechanical systems (location/operation of HVAC, smoke/CO detectors, GFCIs, water heater). Because the property is under management and has recent rental activity, I estimate this would be rent-ready with minor work and likely pass within 1-3 weeks of addressing any missing detectors, GFCI outlets, or small repairs. Score derived from weighted assessment of visible condition (2.0), safety risk (1.5), systems (1.5), and exterior/site (1.0) with a small positive weighting for verified rental history.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Exterior photos show a recently sided, single-story home with an intact roofline and covered front porch. Visible issues are minor and cosmetic: patched/uneven walkway, weathered porch steps, and overgrown shrubs. No collapsed surfaces, major exterior rot, or visible structural cracking. Interior condition not shown; assuming typical rental wear. Missing interior appliances could be present but are not visible and were not heavily penalized."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 65.0,
"rationale": "From exterior review there are functioning porch railings and steps with a handrail; no visible exposed electrical wiring or sagging roof/ceiling. No visible standing water or obvious foundation movement. Important NSPIRE safety items (smoke/CO detectors, GFCI in kitchen/bath, egress window compliance, intact electrical panel) cannot be confirmed from photos and represent inspection risk. Property management listed as active suggests these may be present, but lacking interior verification reduces score."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 60.0,
"rationale": "Roof shingles appear intact with no visible active leaks. No HVAC condenser or exterior mechanicals are visible in the provided photos (could be located at rear or missing) which is a moderate risk. Water heater, plumbing fixtures, hot water, and electrical panel condition are unverified. The home is under current management and had a rental event in 2021, which suggests systems may be operational, but absence of visible HVAC and no interior photos lowers the score."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 80.0,
"rationale": "Vinyl siding is in good visual condition and foundation appears stable from exterior. Yard is maintained though somewhat overgrown in spots. Driveway shows surface wear but is serviceable; walk to porch has minor cracking. No visible infestation, major drainage problems, or missing guardrails. Overall the exterior/site appears well cared for."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior pictures not provided; assume interior has typical rental wear but no visible severe damage.",
"No active roof leaks or interior ceiling collapse (inferred from intact exterior roofline and eaves).",
"HVAC equipment is present and operational but not visible in front photos (could be located at rear).",
"Electrical panel is intact and there is no visible exterior exposed wiring.",
"Smoke detectors and CO detectors may be present but were not verifiable from photos; expect at least basic detectors since property is managed.",
"Plumbing and hot water are functional (no visible signs of exterior water damage or drainage failures).",
"Missing/unknown interior appliances (stove, refrigerator) are not present in photos and would be treated as moderate, fixable items rather than inspection-fatal unless related wiring/gas hazards are found."
],
"overall_score": 75.0,
"rubric_version": "ns-pinspect-v1"
},
{
"summary": "Overall this property presents as a moderately well-maintained, managed 1963 single-family home with a serviceable exterior and porch. Based on exterior photos and listing data, it is likely to be rent-ready with minor repairs and verification of key systems. Primary unknowns (interior condition, smoke/CO detectors, GFCI, HVAC and hot water operation, electrical panel) require inspection. Estimated likelihood: with standard quick fixes (verify/replace detectors, confirm HVAC/hot water, install/repair GFCI outlets if needed, replace/confirm appliances) the property could pass an initial HCV/NSPIRE inspection within 30 days. The rental history within 5 years is a positive factor. This score was calculated excluding the rental-history bonus from the weighted systems average.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Exterior photos show a generally maintained single-story home with intact siding, covered front porch, railings and steps in place and trimmed landscaping. No visible boarded windows, major exterior damage, or collapsed elements. Minor cosmetic items likely (porch paint/stain, driveway cracking, trimming). Listing indicates property is managed, suggesting some upkeep. Interior conditions, flooring, cabinets, drywall and appliance condition are not shown; missing appliances (if any) would be an easy-to-fix, capital item and have been treated as a moderate deduction but not catastrophic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "No immediate life-threatening hazards are visible from exterior photos: porch has guardrail and handrail, no visible exposed wiring or collapsed elements, entry door appears intact. Critical NSPIRE items (smoke/CO detectors, GFCI in kitchen/bath, bedroom egress, electrical panel condition, hot water, plumbing function, interior mold/peeling lead-risk paint) cannot be confirmed from photos and are scored conservatively. The house is 1963 — potential lead-paint risk exists until proven otherwise. Recommend verifying presence/operation of smoke detectors, CO alarms (if required), GFCI protection and safe electrical/gas connections before tenancy."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 55.0,
"rationale": "Roof shingles appear generally intact from photos with no obvious major sagging or open areas, but detailed roof condition and underlayment cannot be confirmed. No exterior AC condenser or water heater is visible in provided images; HVAC presence/operation, water heater condition, electrical panel and plumbing integrity are unknown. Given age (1963) and lack of visible mechanical equipment, a conservative mid-range score was used pending interior/utility verification. If HVAC and hot water are present and operational, score would increase; if absent or failing, this is a significant inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Vinyl siding appears intact and recently maintained. Foundation appears raised (masonry) with no visible major cracks or separation in photos. Porch and railings present; walk path exists though shows some cracking; small driveway area shows wear. Yard is maintained at a basic level; no standing water or obvious drainage failures visible. No signs of infestation or severe exterior neglect in provided images."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.45,
"assumptions": [
"Interior areas (living spaces, bedrooms, kitchen, bathroom) were not provided; assumptions made from exterior condition and management status.",
"Appliances (stove/fridge) are not shown; assumed possibly present but not guaranteed — treated as moderate, easy-to-fix capital items.",
"No active roof leaks or interior water damage are visible from exterior photos; assumed none significant but must be verified inside (ceiling stains, attic).",
"HVAC equipment location (rear or side yard) not shown; assumed a heating/cooling system exists due to region and management but functionality unknown.",
"Electrical panel, wiring condition, GFCI presence and smoke/CO detectors are unknown and require on-site verification.",
"Because the home was built in 1963, assume potential lead-paint risk exists until lead-safe work/clearance or remediation is documented.",
"Porch and guardrails are present and assumed secure based on visible condition; on-site test recommended for stability.",
"Listing statement that properties are under local management suggests routine maintenance; scoring reflects this positive signal."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and listing data, this 3-bed/1-bath single-family appears structurally intact and managed; exterior siding and roof show no obvious major failures. Primary risks are unknown interior conditions and unverified presence/operation of life‑safety items (smoke/CO detectors, GFCIs), HVAC and plumbing systems. With routine verification and minor fixes (install/confirm detectors, small porch/step cosmetic work, trim landscaping, confirm appliances/systems), the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. It is not fully turnkey without interior verification.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show generally intact vinyl siding, roof shingles appear seated with no obvious open areas, and the porch/steps are serviceable but show cosmetic wear and staining. Landscaping is overgrown and would benefit from trimming. No interior photos provided to confirm flooring, cabinets, drywall or appliances; typical for an occupied, managed rental. Missing interior/appliance visibility reduces score moderately but there is no visible severe deferred maintenance on exterior that would indicate major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards visible from exterior. Porch has guard rails/handrails present. No exposed wiring or visible electrical hazards in photos. HOWEVER: smoke detectors, CO alarms, GFCI outlets, electrical panel condition, hot water availability, and bedroom egress windows cannot be confirmed from photos; absence of visible detectors in photos lowers confidence. Walkway shows minor cracking/trip risk. Because property appears occupied and managed, many items likely present but must be verified and may require small fixes (install/replace detectors, confirm egress, add GFCIs)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical (roof, HVAC, plumbing, electric)",
"score": 60.0,
"rationale": "Roof shingles visible and appear intact with no clear signs of sagging or active leaks from exterior views. No visible exterior HVAC equipment shown in photos (common for side/back placement) so heating/cooling operation is unknown. Electrical service equipment and water heater not visible. Because the asset is currently under management and rented recently, systems are likely operational but cannot be confirmed; uncertainty reduces score to moderate level."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Yard and lot are serviceable with a paved walk and driveway area; no standing water or obvious drainage issues visible. Foundation appears even from photos; siding is in reasonable condition and windows appear intact. Shrubbery is overgrown and could obscure exterior access; driveway/side yard show wear/tire tracks. Overall exterior is fair to good with routine maintenance needed."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior condition (flooring, cabinets, walls, plumbing fixtures, appliances) not shown in photos; assumed average for an occupied, managed rental and likely serviceable but unverified.",
"HVAC, water heater, electrical panel and appliances are present and functional since property is under management and recently rented; however operation and code compliance are unconfirmed.",
"Smoke and carbon monoxide detectors are assumed possibly present but not visible in exterior photos; if absent they will need to be installed to meet NSPIRE requirements.",
"No visible signs of structural movement, major roof failure, or active leaks in provided photos; assume no collapsed ceilings or severe mold unless interior inspection finds otherwise.",
"Stairs/handrails are assumed secure based on appearance; final inspection should verify mounting and height/spacing comply with local code/NSPIRE standards."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "817 Jackson Blvd, Birmingham, AL, 35217",
"aggregate": {
"summary": "Overall this single-family home appears in generally good exterior condition and likely to pass an initial HCV/NSPIRE inspection after a brief interior check and minor fixes. Major exterior safety items (handrails/guardrails) are present and the roof/siding look serviceable. The biggest unknowns are interior safety items and mechanical systems (location/operation of HVAC, smoke/CO detectors, GFCIs, water heater). Because the property is under management and has recent rental activity, I estimate this would be rent-ready with minor work and likely pass within 1-3 weeks of addressing any missing detectors, GFCI outlets, or small repairs. Score derived from weighted assessment of visible condition (2.0), safety risk (1.5), systems (1.5), and exterior/site (1.0) with a small positive weighting for verified rental history.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 73.3,
"rationale": "Exterior photos show a recently sided, single-story home with an intact roofline and covered front porch. Visible issues are minor and cosmetic: patched/uneven walkway, weathered porch steps, and overgrown shrubs. No collapsed surfaces, major exterior rot, or visible structural cracking. Interior condition not shown; assuming typical rental wear. Missing interior appliances could be present but are not visible and were not heavily penalized."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 75.0,
"rationale": "Vinyl siding is in good visual condition and foundation appears stable from exterior. Yard is maintained though somewhat overgrown in spots. Driveway shows surface wear but is serviceable; walk to porch has minor cracking. No visible infestation, major drainage problems, or missing guardrails. Overall the exterior/site appears well cared for."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 61.7,
"rationale": "From exterior review there are functioning porch railings and steps with a handrail; no visible exposed electrical wiring or sagging roof/ceiling. No visible standing water or obvious foundation movement. Important NSPIRE safety items (smoke/CO detectors, GFCI in kitchen/bath, egress window compliance, intact electrical panel) cannot be confirmed from photos and represent inspection risk. Property management listed as active suggests these may be present, but lacking interior verification reduces score."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 58.3,
"rationale": "Roof shingles appear intact with no visible active leaks. No HVAC condenser or exterior mechanicals are visible in the provided photos (could be located at rear or missing) which is a moderate risk. Water heater, plumbing fixtures, hot water, and electrical panel condition are unverified. The home is under current management and had a rental event in 2021, which suggests systems may be operational, but absence of visible HVAC and no interior photos lowers the score."
}
],
"red_flags": [],
"confidence": 0.78,
"assumptions": [
"Interior pictures not provided; assume interior has typical rental wear but no visible severe damage.",
"No active roof leaks or interior ceiling collapse (inferred from intact exterior roofline and eaves).",
"HVAC equipment is present and operational but not visible in front photos (could be located at rear).",
"Electrical panel is intact and there is no visible exterior exposed wiring.",
"Smoke detectors and CO detectors may be present but were not verifiable from photos; expect at least basic detectors since property is managed.",
"Plumbing and hot water are functional (no visible signs of exterior water damage or drainage failures).",
"Missing/unknown interior appliances (stove, refrigerator) are not present in photos and would be treated as moderate, fixable items rather than inspection-fatal unless related wiring/gas hazards are found."
],
"score_method": "mean_of_criteria",
"overall_score": 66.9,
"rubric_version": "ns-pinspect-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8134517817"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.