Property ID: 8163069216
502 3rd Ave, Harvey, LA, 70058
Harvey, LA
Money Down: $36,480
CoC Return: 6.62%
Monthly Cash Flow: $201
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$30,400
Closing Costs
$6,080
Total Down
$36,480
Investment Snapshot
Purchase Price
$152,000
Money Down
$36,480
Cash-on-Cash Return
6.62%
Rent
$1,303
Monthly Cash Flow
$201
Annual Cash Flow
$2,416
Debt Service / Mo
$809
Property Tax / Mo
$78
Insurance / Mo
$84
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,303
Payment Standard
$1,552
Rent
$1,303
Insurance
$84
Property Tax
$78
Management
$130
Utilities Allowance
$249
NOI (Monthly)
$1,010
Debt Service
$809
Cash Flow After Debt
$201
Quality Score: 75.40%
Confidence: 92.00%
Overall the property appears largely turnkey with recent cosmetic updates, functioning appliances, a sound exterior, and likely operational HVAC. Main inspection risks are missing/unstated smoke and CO alarms and uncertain GFCI protection in the kitchen; critical systems (water heater, electrical panel, HVAC equipment) were not photographed and should be verified. With installation/verification of detectors, confirmation of GFCI and serviceable water heater/HVAC, this home is likely to pass an initial HCV/NSPIRE inspection with only minor repairs (1–30 days).
Section 8 Payment Standard
$1,552
Utility Allowance Total
$249
Guaranteed Section 8 Rent (PS - Utilities)
$1,303
Property Management
$130
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$152,000
Beds
2
Baths
1
Living Area
1,082 sqft
Lot Size
—
Year Built
1966
Days on Market
39
Capital Outlay
$36,480
Debt Service
$809
Property Tax / Mo
$78
Insurance / Mo
$84
Property Description
Charming Craftsman Cottage in the Heart of Harvey Precious Craftsman-style cottage centrally located in Harvey, offering easy access to both bridges, local restaurants, and shopping. This move-in ready home is filled with natural sunlight and thoughtful updates throughout. Featuring 2 spacious bedrooms and 1 full bath, the home offers oversized living, dining, and kitchen areas that provide a comfortable and open feel. Brand-new tile flooring runs throughout the home with the exception of one bedroom. Fresh paint and all-new hardware enhance the kitchen and bathroom, along with a newly installed toilet for added convenience. The property sits on a huge fenced-in backyard for entertaining, pets, or outdoor enjoyment. A bonus shed with electricity adds flexible space for a workshop, storage, or hobby area. Built with solid barge board framing for exceptional stability, this home has withstood every major storm since before Hurricane Betsy and Hurricane Camille with no structural damage or flooding. The roof was replaced after damage from a 2014 hurricane, offering added peace of mind. A rare combination of charm, durability, and location - schedule your showing today!
Utility Allowances
Heating
$61
Selected 'natural_gas' for a 2-bedroom unit. The property information explicitly states 'Gas: Natural' and 'Heating Features: Central'.
Cooking
$10
Selected 'natural_gas' for a 2-bedroom unit. The property has natural gas service and is equipped with a range/oven.
Water Heating
$21
Selected 'natural_gas' for a 2-bedroom unit. The fuel type was not specified, but natural gas is available at the property and is the most common and economical choice.
Other Electric
$57
This is a fixed allowance for a 2-bedroom unit, covering general electricity for lights, outlets, and non-major appliances.
Water
$36
This is a fixed allowance for a 2-bedroom unit. The property information confirms 'Water Source: Public'.
Sewer
$39
This is a fixed allowance for a 2-bedroom unit. The property information confirms 'Sewer: City' / 'Public Sewer'.
Trash Collection
$25
This is a fixed allowance for a 2-bedroom unit. This is a standard municipal service assumed for a single-family home.
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$1,012
DP3 Annual Estimate$1,012
DP1 Monthly Equivalent$84
DP3 Monthly Equivalent$84
Replacement Value$41,100
Basis1,082 sqft / 1966
Nearby Houses
Photo unavailable
518 2nd Ave Lot 6
off_market · 0.07 mi
Price: $35,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
532 3rd Ave Unit Front
off_market · 0.08 mi
Price: $995
2 bd / 1 ba · 880 sqft
Latest sale: —
Latest rent: —
Photo unavailable
416 3rd Ave
sold · 0.09 mi
Price: $199,000
2 bd / 2 ba · 1,109 sqft
Latest sale: —
Latest rent: —
Photo unavailable
413 3rd Ave
for_sale · 0.11 mi
Price: $145,000
2 bd / 1 ba · 922 sqft
Latest sale: —
Latest rent: —
Photo unavailable
600 3rd Ave
sold · 0.13 mi
Price: $178,000
2 bd / 2 ba · 1,279 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3512 4th St
off_market · 0.14 mi
Price: $150,000
1 bd / 1 ba · 1,100 sqft
Latest sale: — on Aug 30, 2022
Latest rent: —
Photo unavailable
600 Macarthur Ave
sold · 0.14 mi
Price: $199,000
2 bd / 1 ba · 1,279 sqft
Latest sale: —
Latest rent: —
Photo unavailable
609 3rd Ave
sold · 0.15 mi
Price: $234,500
3 bd / 3 ba · 1,783 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke and carbon monoxide detectors are not visible in photos and are assumed not present or not visible; they will need verification/installation.
- Bedroom windows meet egress size requirements based on visible opening size; exact measurements not provided.
- Central HVAC is present and functional (ceiling vent/reg) but unit condition/age not shown and should be verified.
- Water heater and electrical panel exist and are operational though not shown in the images.
- Roof condition is serviceable; listing indicates replacement after 2014 hurricane and no visible current damage in photos.
- Shed with electricity exists as stated in the listing but was not photographed in the supplied images.
- No major concealed structural issues are present, inferred from straight roofline, even floors, and seller statement regarding historic storm resilience.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $909 | $69,100 | $6,910 |
| 2024 | $907 | $69,100 | $6,910 |
| 2023 | $872 | $63,600 | $6,360 |
| 2022 | $851 | $63,600 | $6,360 |
| 2021 | $804 | $63,600 | $6,360 |
| 2020 | $787 | $63,600 | $6,360 |
| 2019 | $826 | $63,600 | $6,360 |
| 2018 | $775 | $63,600 | $6,360 |
| 2017 | $745 | $63,600 | $6,360 |
| 2016 | $731 | $63,600 | $6,360 |
| 2015 | $743 | $63,600 | $6,360 |
| 2014 | $735 | $63,600 | $6,360 |
| 2013 | $732 | $63,600 | $6,360 |
| 2012 | $735 | $63,600 | $6,360 |
| 2011 | $736 | $63,600 | $6,360 |
| 2010 | $683 | $63,600 | $6,360 |
| 2009 | $682 | $63,600 | $6,360 |
| 2008 | $681 | — | $6,360 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-13 | Price Changed | $152,000 |
| 2026-02-28 | Listed | $157,000 |
| 2017-01-03 | Listing removed | $950 |
| 2016-12-07 | Price Changed for rent | $950 |
| 2016-11-07 | Listed for rent | $1,000 |
| 2012-02-14 | Listing removed | $850 |
| 2012-01-09 | Listed for rent | $850 |
| 2010-05-04 | Listing removed | $825 |
| 2010-04-20 | Price Changed for rent | $825 |
| 2009-09-29 | Listed for rent | $875 |
| 1994-04-01 | Sold | $0 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2012-01-11 | Listed for rent | $850 | — |
Photo Gallery
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"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 826,
"year": 2019,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 775,
"year": 2018,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 745,
"year": 2017,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 731,
"year": 2016,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 743,
"year": 2015,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 735,
"year": 2014,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 732,
"year": 2013,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 735,
"year": 2012,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 736,
"year": 2011,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 683,
"year": 2010,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 682,
"year": 2009,
"market": {
"land": 28000,
"total": 63600,
"building": 35600
},
"assessment": {
"land": 2800,
"total": 6360,
"building": 3560
}
},
{
"tax": 681,
"year": 2008,
"market": null,
"assessment": {
"land": null,
"total": 6360,
"building": null
}
}
],
"property_history": [
{
"date": "2026-03-13",
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{
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{
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{
"date": "2016-12-07",
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{
"date": "2016-11-07",
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{
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{
"date": "2012-01-09",
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{
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{
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{
"date": "2009-09-29",
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{
"date": "1994-04-01",
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"source_name": "Public Record",
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},
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},
"processing_status": {
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"min_score": 10.0,
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"rent_price": 1303.0,
"loan_amount": 121600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/502-3rd-Ave_Harvey_LA_70058_M81630-69216",
"bedroom_count": 2,
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"purchase_price": 152000.0,
"loan_term_years": 30,
"annual_cash_flow": 12124.13,
"mortgage_monthly": 809.01,
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"total_amount_out": 30400.0,
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"https://ap.rdcpix.com/939bbf392b6e782c6a0610dff657b42cl-m4162574118s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 84.33,
"monthly_cash_flow": 1010.34,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'natural_gas' for a 2-bedroom unit. The property information explicitly states 'Gas: Natural' and 'Heating Features: Central'.",
"utility": "Heating",
"allowance": 61
},
{
"note": "Selected 'natural_gas' for a 2-bedroom unit. The property has natural gas service and is equipped with a range/oven.",
"utility": "Cooking",
"allowance": 10
},
{
"note": "Selected 'natural_gas' for a 2-bedroom unit. The fuel type was not specified, but natural gas is available at the property and is the most common and economical choice.",
"utility": "Water Heating",
"allowance": 21
},
{
"note": "This is a fixed allowance for a 2-bedroom unit, covering general electricity for lights, outlets, and non-major appliances.",
"utility": "Other Electric",
"allowance": 57
},
{
"note": "This is a fixed allowance for a 2-bedroom unit. The property information confirms 'Water Source: Public'.",
"utility": "Water",
"allowance": 36
},
{
"note": "This is a fixed allowance for a 2-bedroom unit. The property information confirms 'Sewer: City' / 'Public Sewer'.",
"utility": "Sewer",
"allowance": 39
},
{
"note": "This is a fixed allowance for a 2-bedroom unit. This is a standard municipal service assumed for a single-family home.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.4,
"down_payment_amount": 30400.0,
"property_tax_annual": 936.27,
"property_tax_monthly": 78.02,
"property_tax_increase": 0.03,
"utility_allowance_total": 249.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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"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": 2416.04,
"property_management_monthly": 130.3,
"monthly_cash_flow_after_debt": 201.34,
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"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears largely turnkey with recent cosmetic updates, functioning appliances, a sound exterior, and likely operational HVAC. Main inspection risks are missing/unstated smoke and CO alarms and uncertain GFCI protection in the kitchen; critical systems (water heater, electrical panel, HVAC equipment) were not photographed and should be verified. With installation/verification of detectors, confirmation of GFCI and serviceable water heater/HVAC, this home is likely to pass an initial HCV/NSPIRE inspection with only minor repairs (1–30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing show extensive cosmetic updates: brand-new tile flooring throughout most of the home, fresh paint, updated kitchen counters and cabinet hardware, and a recently replaced toilet. Appliances shown (range/stove) are present. One bedroom has different/worn sheet vinyl squares and there is a small threshold/trim gap at the kitchen/room transition — easy, cosmetic fixes. No visible water stains, peeling paint, or collapsed surfaces. Overall turnkey with minor finish work only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "Possible issues that could affect an NSPIRE/HCV pass: no smoke detectors or carbon monoxide alarms are visible in any photos (absence in photos raises risk), and GFCI-protected kitchen outlets are not evident. Bedroom windows appear to provide egress-sized openings but exact dimensions cannot be confirmed from photos (assumed acceptable). Front entry has a secure-looking door and handrails are present at the porch steps. No exposed wiring, visible mold, active leaks, collapsed ceilings, or obvious trip hazards were observed. Because alarms and GFCI are commonly required and are not visible here, there is moderate inspection risk until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Listing states roof replaced after 2014 hurricane; exterior photos show intact roofline. Interior photos show ceiling vent registers indicating a central HVAC system (register present in ceiling) and multiple ceiling fans. Stove and kitchen plumbing fixtures are present. No water heater, electrical panel, or HVAC equipment are shown so their condition is assumed but not verified. Electrical fixtures/outlets are visible and intact; fluorescent light in kitchen indicates functioning lighting circuits. Because critical system components (water heater, electrical panel, HVAC unit) are not visible for confirmation, score is moderately high but not perfect."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Front yard, sidewalk, chain-link fence, and gate are intact and in good repair. Porch and front steps appear sound with rails on both sides. Siding looks intact; neighboring houses are similarly maintained. Listing notes a large fenced backyard and a powered shed (bonus space) which increases site utility. No standing water, major drainage issues, or exterior structural cracks are visible from provided photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (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": 0.7,
"assumptions": [
"Smoke and carbon monoxide detectors are not visible in photos and are assumed not present or not visible; they will need verification/installation.",
"Bedroom windows meet egress size requirements based on visible opening size; exact measurements not provided.",
"Central HVAC is present and functional (ceiling vent/reg) but unit condition/age not shown and should be verified.",
"Water heater and electrical panel exist and are operational though not shown in the images.",
"Roof condition is serviceable; listing indicates replacement after 2014 hurricane and no visible current damage in photos.",
"Shed with electricity exists as stated in the listing but was not photographed in the supplied images.",
"No major concealed structural issues are present, inferred from straight roofline, even floors, and seller statement regarding historic storm resilience."
],
"overall_score": 76.0,
"rubric_version": "nsPIRE-v1.0-2026"
},
{
"summary": "Based on listing text and photos the property is close to turnkey for Section 8/HCV tenancy. The interior is cosmetically updated (tile floors, fresh paint, cabinets) and major systems appear present (central HVAC vents visible, functioning plumbing fixtures, stove installed). Primary inspection risks are missing/unstated life-safety items (no visible smoke/CO detectors, deadbolt, and unverified GFCI protection) and unshown major equipment (electrical panel, water heater). With installation/verification of detectors, a CO alarm (given gas range), confirmation of GFCI, and a quick mechanical check (HVAC and water heater), this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic updates: new tile flooring throughout most rooms, fresh paint, updated kitchen counters and cabinets, and a newly installed toilet per listing. No visible major cosmetic damage, holes in drywall, or collapsed finishes. Minor items: one bedroom retains older vinyl/parquet-style sheet flooring with edge gaps and a small threshold gap at a doorway; the listing photos do not show a refrigerator (stove is present) which is a moderate rental-ready item to supply. Overall appears well-maintained and move-in ready with only minor finish-level work or appliance provisioning likely required."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, stairs and porch railings appear present). However several NSPIRE items are not visible in the photos and therefore lower the score: smoke detectors are not pictured, carbon monoxide detector not evident (a gas range is present so CO detection is required), GFCI protection at kitchen sink/outlets is not shown, and no deadbolt is visible on the main entry door photo. Windows in bedrooms are present and likely provide egress but exact dimensions not verified. No exposed wiring or major electrical hazards are visible. Recommend installing/confirming smoke and CO alarms, adding/confirming deadbolt locks, verifying GFCI protection in kitchen/bath, and confirming egress window dimensions to ensure inspection compliance."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Visible ceiling vents and a register (kitchen and living areas) indicate central HVAC is present; lighting and ceiling fans appear functional. Listing states roof replaced after 2014 hurricane damage; roof appears even with no visible sagging. Kitchen sink and toilet (new per listing) indicate plumbing is functioning in photos. Electrical panel and water heater are not shown so their condition is unknown. Because major systems are suggested by visible vents/fixtures but key equipment locations are unverified, moderate score assigned. Recommend verifying HVAC operation, age and safety of water heater, and ensuring electrical panel is intact and labeled."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior photos show a well-kept bungalow: intact siding, replaced roof (per listing), solid front steps and porch with handrails, chain-link fenced front yard and gated walkway, and a large fenced back yard (listing) plus a powered shed. Sidewalk and approach appear serviceable. No visible foundation cracks, major grading or drainage issues in photos. Some minor rusting on chain link gate and standard curb cut; overall site appears tidy and safe for tenancy."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (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": 0.65,
"assumptions": [
"Listing statement that roof was replaced after 2014 hurricane is accurate; no active roof leaks present in photos.",
"Central HVAC system exists and is functional because ceiling/ceiling-duct vents are visible in multiple rooms; full operation not directly verified in photos.",
"Gas range in kitchen indicates a gas appliance; therefore a carbon monoxide detector is required by code but none is visible in photos.",
"Smoke detectors are not visible in photos; assume they are not installed or not visible/installed in required locations until confirmed.",
"Electrical panel, water heater, and GFCI-protected outlets are not shown in photos; assume their presence/condition is unverified and require on-site confirmation.",
"Shed in backyard has electrical service per listing text; its condition and safe wiring were not photographed and are unverified.",
"No significant hidden structural issues (foundation movement, severe mold, rot) are evident in photos or the listing; listing claims the home withstood major storms without structural damage."
],
"overall_score": 77.0,
"rubric_version": "nsPIRE-v1.0-photos-only-2026"
},
{
"summary": "Overall the property appears to be in good, mostly cosmetic condition and would likely pass a Housing Choice Voucher (NSPIRE) initial inspection after addressing a handful of straightforward safety/code items. Main inspection risks from the photo set are absence of visible smoke/CO detectors and inability to verify GFCI protection and the location/condition of the electrical panel and hot-water system. The roof is claimed replaced (post-2014) and interior shows updated finishes and functioning fixtures. Expect minor repairs/verification tasks (install/verify detectors, confirm GFCI, confirm deadbolt, verify HVAC operation and water heater) to be required before final sign-off. Time-to-rent readiness is likely under 30 days if those items are addressed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show fresh paint, new tile flooring throughout most of the unit, updated toilet and intact doors/trim — consistent with listing claim of recent updates. Kitchen has a working range and attractive counters; cabinets appear serviceable though cosmetically painted. One bedroom has older vinyl parquet-style flooring that may be cosmetic-only. Exterior façade, porch and fencing are intact. No visible severe deferred maintenance. Missing refrigerator is not pictured (minor impact). Overall, mostly cosmetic and finish-level repairs needed rather than major rehabs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the photos; NSPIRE requires functioning smoke detectors properly located which is an inspection item and could fail the inspection if absent. Entry door appears secure but a deadbolt is not clearly visible in photos. Bedrooms appear to have windows adequate for egress, though window sill height and exact dimensions are not measured from photos. No exposed wiring, major trip hazards or active water stains/mold are visible. GFCI presence at kitchen sink is not shown (risk). Plumbing fixtures shown (toilet, sink) appear functional. Because detectors/GFCI/deadbolt cannot be confirmed from photos, moderate safety risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Ceiling vent registers visible — evidence of a central HVAC ducted system (operational status not proven but presence lowers risk). Listing states roof replacement after a 2014 hurricane; no visible roof failure or interior water stains. Stove and kitchen plumbing visible and appear serviceable. Electrical panel and water heater are not pictured so their condition is unknown. No visible signs of plumbing leaks or electrical hazards in the photos. Given the visual evidence and listing roof claim, systems appear functional but several key verifications will be required during inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front elevation shows intact siding, a maintained fenced front yard, functioning gate and concrete walkway; porch steps have railings. Brick porch piers look sound. Yard appears graded and fenced; listing notes a large fenced backyard and a shed with electricity (shed not visible in photos). No standing water, major foundation cracking, or visible exterior structural issues in provided photos. Minor rust/age on chain-link fence is cosmetic."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in provided interior photos — missing/ non-functioning detectors are an NSPIRE failure risk.",
"Unable to verify presence/condition of electrical panel and GFCI protection at kitchen sink from photos; lack of GFCI in kitchen area can cause inspection failure."
],
"confidence": 0.7,
"assumptions": [
"Roof replacement after 2014 as stated in listing is accurate and there are no active roof leaks (no interior water stains visible).",
"Central HVAC exists and is connected (ceiling vents visible); unit functioning status is assumed but not verified by photos.",
"Water heater and electrical panel are present and operational though not pictured; assumed no major deferred mechanical failures unless discovered at inspection.",
"Smoke and CO detectors may be present but none are visible in supplied photos; treat as not verified and likely need installation or documentation.",
"Kitchen has a working range (pictured); no refrigerator appears in photos — absence of a fridge is considered a moderate capital item, not an automatic failure.",
"Bedroom windows provide adequate egress based on visible size in photos but exact dimensions/clear opening not confirmed.",
"Shed with electricity exists per listing but was not photographed; assume wiring in shed meets code until inspected."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE_v1.0_photo_assessment_2026-03"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "502 3rd Ave, Harvey, LA, 70058",
"aggregate": {
"summary": "Overall the property appears largely turnkey with recent cosmetic updates, functioning appliances, a sound exterior, and likely operational HVAC. Main inspection risks are missing/unstated smoke and CO alarms and uncertain GFCI protection in the kitchen; critical systems (water heater, electrical panel, HVAC equipment) were not photographed and should be verified. With installation/verification of detectors, confirmation of GFCI and serviceable water heater/HVAC, this home is likely to pass an initial HCV/NSPIRE inspection with only minor repairs (1–30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.7,
"rationale": "Photos and listing show extensive cosmetic updates: brand-new tile flooring throughout most of the home, fresh paint, updated kitchen counters and cabinet hardware, and a recently replaced toilet. Appliances shown (range/stove) are present. One bedroom has different/worn sheet vinyl squares and there is a small threshold/trim gap at the kitchen/room transition — easy, cosmetic fixes. No visible water stains, peeling paint, or collapsed surfaces. Overall turnkey with minor finish work only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 81.7,
"rationale": "Front yard, sidewalk, chain-link fence, and gate are intact and in good repair. Porch and front steps appear sound with rails on both sides. Siding looks intact; neighboring houses are similarly maintained. Listing notes a large fenced backyard and a powered shed (bonus space) which increases site utility. No standing water, major drainage issues, or exterior structural cracks are visible from provided photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"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",
"score": 65.0,
"rationale": "Possible issues that could affect an NSPIRE/HCV pass: no smoke detectors or carbon monoxide alarms are visible in any photos (absence in photos raises risk), and GFCI-protected kitchen outlets are not evident. Bedroom windows appear to provide egress-sized openings but exact dimensions cannot be confirmed from photos (assumed acceptable). Front entry has a secure-looking door and handrails are present at the porch steps. No exposed wiring, visible mold, active leaks, collapsed ceilings, or obvious trip hazards were observed. Because alarms and GFCI are commonly required and are not visible here, there is moderate inspection risk until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 71.7,
"rationale": "Listing states roof replaced after 2014 hurricane; exterior photos show intact roofline. Interior photos show ceiling vent registers indicating a central HVAC system (register present in ceiling) and multiple ceiling fans. Stove and kitchen plumbing fixtures are present. No water heater, electrical panel, or HVAC equipment are shown so their condition is assumed but not verified. Electrical fixtures/outlets are visible and intact; fluorescent light in kitchen indicates functioning lighting circuits. Because critical system components (water heater, electrical panel, HVAC unit) are not visible for confirmation, score is moderately high but not perfect."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Smoke and carbon monoxide detectors are not visible in photos and are assumed not present or not visible; they will need verification/installation.",
"Bedroom windows meet egress size requirements based on visible opening size; exact measurements not provided.",
"Central HVAC is present and functional (ceiling vent/reg) but unit condition/age not shown and should be verified.",
"Water heater and electrical panel exist and are operational though not shown in the images.",
"Roof condition is serviceable; listing indicates replacement after 2014 hurricane and no visible current damage in photos.",
"Shed with electricity exists as stated in the listing but was not photographed in the supplied images.",
"No major concealed structural issues are present, inferred from straight roofline, even floors, and seller statement regarding historic storm resilience."
],
"score_method": "mean_of_criteria",
"overall_score": 75.4,
"rubric_version": "nsPIRE-v1.0-2026",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8163069216"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.