Property ID: 8173977376
1323 Gulfport St, Birmingham, AL, 35224
Birmingham, AL
Money Down: $20,400
CoC Return: 17.39%
Monthly Cash Flow: $296
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
17.39%
Rent
$944
Monthly Cash Flow
$296
Annual Cash Flow
$3,547
Debt Service / Mo
$452
Property Tax / Mo
$55
Insurance / Mo
$47
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$944
Payment Standard
$1,518
Rent
$944
Insurance
$47
Property Tax
$55
Management
$94
Utilities Allowance
$574
NOI (Monthly)
$748
Debt Service
$452
Cash Flow After Debt
$296
Quality Score: 73.80%
Confidence: 84.00%
Overall this property appears largely turnkey from exterior inspection — well maintained yard, intact siding and foundation, and a roof that appears recently replaced. The active Section 8 tenancy is a strong indicator the unit previously met NSPIRE/HAP inspection standards. Major structural or life‑threatening defects are not visible in the photos. Primary uncertainty is interior systems verification (HVAC condenser not visible, no interior photos to confirm smoke/CO detectors, GFCIs, electrical panel, water heater, and appliance presence). Expect a likely pass with minor corrective items (handrail if required, verify detectors, GFCI) — target readiness within 1–4 weeks depending on interior findings.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$574
Guaranteed Section 8 Rent (PS - Utilities)
$944
Property Management
$94
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
3
Baths
1
Living Area
1,416 sqft
Lot Size
9,148 sqft
Year Built
1932
Days on Market
163
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$55
Insurance / Mo
$47
Property Description
Take advantage of this excellent opportunity to invest in a recently updated income-producing property. Located in the Wylam community, 1323 Gulfport St is currently leased to a dependable Section 8 tenant, generating $1100 in guaranteed monthly rent. This three-bedroom, one-bathroom home offers comfortable living space and a strong rental history, making it a turnkey addition to any investor's portfolio. The tenant in place ensures reliable cash flow from day one. Situated close to schools, public transportation, and local amenities, this property appeals to renters seeking both convenience and comfort. With the added security of a Section 8 lease, this is a low-risk, high-reward opportunity for both new and seasoned investors. Don't miss your chance to own a stress-free, income-generating property - schedule your showing today!
Utility Allowances
Heating
$93
Property has central heating. As the fuel type is not specified, electric was chosen as it aligns with other electric appliances (A/C, water heater) and is the more expensive option on the schedule. Alabama Power is the assumed provider.
Cooling
$22
Property is confirmed to have central air conditioning. The allowance for Alabama Power was selected as it is the primary regional provider.
Cooking
$21
No stove/range is listed as provided. The allowance for a tenant-owned electric appliance was chosen as it is the most common and expensive relevant option.
Water Heating
$56
Property is explicitly listed as having an electric water heater. The allowance for Alabama Power was selected as the assumed regional provider.
Other Electric
$68
Standard allowance for lights and general electric usage. Provider is assumed to be Alabama Power.
Water
$129
Property uses public water. The 'Mulga' provider was selected as the property is in the 'Mulga, Wylam' area and this was the most specific, expensive option.
Sewer
$151
Property is connected to a public sewer line. Allowance is based on the 3-bedroom schedule.
Trash Collection
$20
Based on the property's location in the 'Mulga, Wylam' area, the 'Mulga ISCL' provider option was selected.
Refrigerator
$8
A refrigerator is not listed as included, so the allowance for a tenant-owned refrigerator is included as per the utility schedule.
Range/Microwave
$6
A microwave is not listed as included, so the allowance for a tenant-owned appliance is included as per the utility 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$436
DP3 Annual Estimate$692
DP1 Monthly Equivalent$36
DP3 Monthly Equivalent$58
Replacement Value$38,800
Basis1,416 sqft / 1932
Nearby Houses
Photo unavailable
1322 Frisco St
sold · 0.03 mi
Price: $105,000
3 bd / 2 ba · 1,159 sqft
Latest sale: $105,000 on Nov 03, 2025
Latest rent: $1,275 on Dec 27, 2025
Photo unavailable
1324 Gulfport St
sold · 0.04 mi
Price: $27,500
4 bd / 2 ba · 1,440 sqft
Latest sale: $27,500 on Aug 20, 2021
Latest rent: —
Photo unavailable
1400 Gulfport St
for_sale · 0.05 mi
Price: $86,000
3 bd / 1 ba · 1,198 sqft
Latest sale: $51,500 on May 17, 2023
Latest rent: $1,095 on Jul 12, 2025
Photo unavailable
1306 Gulfport St
sold · 0.06 mi
Price: $45,000
3 bd / 1 ba · 1,228 sqft
Latest sale: $45,000 on Apr 08, 2024
Latest rent: —
Photo unavailable
1301 Gulfport St
sold · 0.06 mi
Price: $38,000
2 bd / 1 ba · 1,116 sqft
Latest sale: $38,000 on Dec 03, 2021
Latest rent: $1,100 on Jan 22, 2025
Photo unavailable
1317 Frisco St
sold · 0.07 mi
Price: $42,000
3 bd / 1 ba · 1,054 sqft
Latest sale: $42,000 on Nov 14, 2025
Latest rent: —
Photo unavailable
1300 Gulfport St
sold · 0.07 mi
Price: $70,556
3 bd / 2 ba · 1,778 sqft
Latest sale: $70,556 on Jan 26, 2024
Latest rent: $1,200 on Sep 12, 2025
Photo unavailable
1420 Gulfport St
sold · 0.08 mi
Price: $4,000
2 bd / 1 ba · 720 sqft
Latest sale: $4,000 on Feb 15, 2023
Latest rent: —
Photo unavailable
1301 Frisco St
sold · 0.09 mi
Price: $105,894
3 bd / 1 ba · 1,650 sqft
Latest sale: $105,894 on Mar 07, 2025
Latest rent: —
Photo unavailable
1232 Gulfport St
sold · 0.09 mi
Price: $20,000
2 bd / 1 ba · 892 sqft
Latest sale: $20,000 on Jun 11, 2021
Latest rent: —
Photo unavailable
1233 Gulfport St
sold · 0.10 mi
Price: $123,000
3 bd / 2 ba · 1,300 sqft
Latest sale: $123,000 on Sep 30, 2024
Latest rent: $435 on Nov 17, 2014
Photo unavailable
1242 Huron St
for_sale · 0.10 mi
Price: $60,000
3 bd / 1 ba · 970 sqft
Latest sale: $38,500 on Nov 17, 2021
Latest rent: $800 on Oct 02, 2023
Photo unavailable
1237 Frisco St
sold · 0.10 mi
Price: $65,500
3 bd / 2 ba · 1,176 sqft
Latest sale: $65,500 on Nov 22, 2024
Latest rent: $1,225 on Jul 03, 2025
Photo unavailable
1229 Frisco St
sold · 0.12 mi
Price: $75,000
2 bd / 1 ba · 714 sqft
Latest sale: $75,000 on Jun 17, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that a Section 8 tenant is currently in place is accurate and reflects a recent passing NSPIRE/HAP inspection.
- Interior conditions (kitchen, bath, appliances, detectors) are in functional condition consistent with an occupying tenant; no major interior damage is hidden behind closed doors.
- HVAC, water heater and electrical systems are present and operational though not visible in exterior photos; any servicing needs are likely minor.
- Roof was recently replaced or is in good condition as suggested by visible new-looking shingles.
- No active roof leaks, major mold, or concealed structural issues exist based solely on the lack of exterior evidence to the contrary; however these cannot be fully verified without interior inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $636 | $43,900 | $8,780 |
| 2023 | $636 | $43,900 | $8,780 |
| 2022 | $479 | $33,100 | $6,620 |
| 2021 | $479 | $33,100 | $6,620 |
| 2020 | $479 | $33,100 | $6,620 |
| 2019 | $479 | $47,100 | $9,420 |
| 2018 | $571 | $39,400 | $7,880 |
| 2017 | $571 | $39,400 | $7,880 |
| 2016 | $571 | $39,400 | $7,880 |
| 2015 | $571 | $39,400 | $7,880 |
| 2013 | $552 | $38,700 | $7,740 |
| 2012 | $552 | $38,700 | $7,740 |
| 2011 | $562 | $39,400 | $7,880 |
| 2010 | $609 | $42,800 | $8,560 |
| 2009 | $609 | $42,800 | $8,560 |
| 2008 | $625 | $43,900 | $8,780 |
| 2007 | $614 | $43,100 | $8,620 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-09-06 | Listed | $85,000 |
| 2023-11-16 | Listing removed | $0 |
| 2022-02-14 | Listed | $85,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2021-02-09 | Listed for rent | $850 | — |
| 2019-12-13 | Listed for rent | $895 | — |
| 2019-05-26 | Listed for rent | $850 | — |
| 2018-11-29 | Listed for rent | $795 | — |
Photo Gallery
Show raw JSON (debug)
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"note": "Property has central heating. As the fuel type is not specified, electric was chosen as it aligns with other electric appliances (A/C, water heater) and is the more expensive option on the schedule. Alabama Power is the assumed provider.",
"utility": "Heating",
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"note": "Property is confirmed to have central air conditioning. The allowance for Alabama Power was selected as it is the primary regional provider.",
"utility": "Cooling",
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{
"note": "No stove/range is listed as provided. The allowance for a tenant-owned electric appliance was chosen as it is the most common and expensive relevant option.",
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{
"note": "Property is explicitly listed as having an electric water heater. The allowance for Alabama Power was selected as the assumed regional provider.",
"utility": "Water Heating",
"allowance": 56
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{
"note": "Standard allowance for lights and general electric usage. Provider is assumed to be Alabama Power.",
"utility": "Other Electric",
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{
"note": "Property uses public water. The 'Mulga' provider was selected as the property is in the 'Mulga, Wylam' area and this was the most specific, expensive option.",
"utility": "Water",
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{
"note": "Property is connected to a public sewer line. Allowance is based on the 3-bedroom schedule.",
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{
"note": "Based on the property's location in the 'Mulga, Wylam' area, the 'Mulga ISCL' provider option was selected.",
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{
"note": "A microwave is not listed as included, so the allowance for a tenant-owned appliance is included as per the utility schedule.",
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"summary": "Overall this property appears largely turnkey from exterior inspection — well maintained yard, intact siding and foundation, and a roof that appears recently replaced. The active Section 8 tenancy is a strong indicator the unit previously met NSPIRE/HAP inspection standards. Major structural or life‑threatening defects are not visible in the photos. Primary uncertainty is interior systems verification (HVAC condenser not visible, no interior photos to confirm smoke/CO detectors, GFCIs, electrical panel, water heater, and appliance presence). Expect a likely pass with minor corrective items (handrail if required, verify detectors, GFCI) — target readiness within 1–4 weeks depending on interior findings.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a maintained single‑story rental with intact vinyl siding, brick foundation skirting, and recently replaced-looking roof shingles. Yard is mowed and chain link fence is intact. Minor items visible: cracked walkway, small concrete step wear, overgrown shrubbery near windows, and older window units/frames. No major exterior cosmetic deterioration visible. Missing interior photos prevent confirmation of kitchen/bath condition and appliances; listing notes tenant in place which suggests basic interior upkeep. Missing fridge/stove not observed in photos — assumed present. Overall minor repairs and cosmetic work likely only."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards in exterior photos: no sagging rooflines, no visible major foundation cracks, no standing water, and no exposed wiring. Entry door has a security screen/metal door. Visible exterior steps lack a handrail (one to two steps) — minor code issue depending on local ordinance. Smoke/CO detectors, GFCI outlets, electrical panel integrity, hot water and interior plumbing cannot be confirmed from exterior photos. Listing states a current Section 8 tenant (implying the unit passed previously), which raises likelihood detectors and basic code items are present. Because several required elements are unverified, assign a modest safety risk deduction."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Roof appears in good condition with newer shingles visible from photos. There is no clearly visible exterior central HVAC condenser in the photos (could be located at rear or inside), and no water heater, electrical panel, or plumbing fixtures are visible to inspect. Age of house (1932) means systems may have been updated but cannot be confirmed. Tenant in place suggests functional HVAC/plumbing/electrical, but lack of visible condenser and no interior/system photos lowers score to reflect uncertainty and potential near-term system servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Large, level lot with intact chain‑link fencing, maintained lawn, and clear yard access. Walkway shows cracking and small areas of erosion/needle debris but no major trip hazards. Siding and foundation look intact; gutters are not clearly visible but no evidence of active roof leaks from exterior. Neighborhood context shows similar houses nearby. Overall the site is well kept and low risk."
},
{
"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."
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"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statement that a Section 8 tenant is currently in place is accurate and reflects a recent passing NSPIRE/HAP inspection.",
"Interior conditions (kitchen, bath, appliances, detectors) are in functional condition consistent with an occupying tenant; no major interior damage is hidden behind closed doors.",
"HVAC, water heater and electrical systems are present and operational though not visible in exterior photos; any servicing needs are likely minor.",
"Roof was recently replaced or is in good condition as suggested by visible new-looking shingles.",
"No active roof leaks, major mold, or concealed structural issues exist based solely on the lack of exterior evidence to the contrary; however these cannot be fully verified without interior inspection."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
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{
"summary": "Based on exterior photos and the listing, this is a mostly turnkey, low-to-moderate-risk Section 8 rental. The house presents well externally (good roof, intact siding, fenced yard) and listing claims an existing Section 8 tenant and recent updates, which supports rent-readiness. Key interior and system items (smoke/CO detectors, HVAC type and operation, water heater, electrical panel and GFCIs, egress windows) are not shown; those unverified items introduce inspection risk and moderate the score. Expect likely pass if interior systems and detectors are present and operational; allow 1-4 weeks for any minor fixes (detectors, outlet covers, small concrete/trim repairs).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Exterior photos show a maintained single-story home with intact vinyl siding, newer-looking roof shingles, no collapsed porches, and a fenced yard. Minor deferred maintenance visible: cracked/uneven front walkway, stained concrete step, and some window trim wear. Interior condition not shown; listing states 'recently updated' and tenant-occupied which supports above-average interior condition. Missing/unknown interior appliances not visible in photos and therefore not heavily penalized. Overall indicates minor repairs and cosmetic work only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No obvious life-threatening hazards visible: roofline appears sound, no collapsed ceilings, no standing water or visible severe mold. Exterior wiring not obviously exposed. However critical items cannot be confirmed from photos: presence/placement of smoke detectors and CO alarms, working hot water, GFCI in kitchen/bath, and bedroom egress window compliance. Small front steps lack a handrail but are low — likely acceptable. Occupied Section 8 tenancy suggests these items were previously checked, but absence of interior photos forces a conservative deduction for unverified code items."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 60.0,
"rationale": "Roof appears in good condition with newer shingles and without visible sagging, reducing roof risk. However no visible exterior condenser, furnace vent, water heater, or electrical panel in photos — system presence and operational status are unconfirmed. Listing indicates an occupied Section 8 tenant and claims 'recently updated,' which supports likely working systems, but inability to verify heating/cooling, hot water, and electrical panel condition reduces score to reflect inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Lot is level, grass maintained, new/solid chain-link fencing installed, and foundation brick visible and appearing intact with no obvious large cracks. Siding and trim appear serviceable. Driveway/walkway show some cracking but no major trip hazards. No visible evidence of infestation or major drainage issues from photos. Overall low exterior risk."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years) - bonus",
"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": [
"Interior photos not provided; assume interior was 'recently updated' as listing states and is in reasonably good condition given tenant occupancy.",
"Smoke detectors, carbon monoxide alarms (if required), and functional hot water are present because tenant is in place and listing claims a leased, income-producing property; these are unverified and reduce confidence.",
"Heating and cooling are operational (possible window AC units or central HVAC) but condenser/furnace not visible in photos; assume functional but unconfirmed.",
"Electrical panel is intact and no dangerous exposed wiring exists; no visible external hazards observed but interior inspection required to confirm GFCI protection in kitchen/bath.",
"Bedrooms have compliant egress windows typical of homes this age; not verifiable from exterior photos.",
"No major hidden structural issues (foundation movement, sagging roof, collapsed ceilings) are present because none are visible; if interior shows contrary evidence, risk would increase significantly."
],
"overall_score": 75.0,
"rubric_version": "1.0"
},
{
"summary": "Based on exterior photos and listing text the property appears largely turnkey for a Housing Choice Voucher tenant. The roof, siding, yard and fence are in good condition and the listing claims a current Section 8 tenant — supporting the likelihood the unit has recently passed inspection. Key interior life-safety items (smoke/CO detectors, GFCI outlets, electrical panel condition, HVAC operation, hot water) are not visible and should be verified; the only visible deficiency is a lack of a handrail at the front steps. Overall this property is likely to pass an initial NSPIRE/HCV inspection with minimal, quick fixes (verify and install alarms/GFCIs as needed, add handrail, address small pathway repairs).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Exterior photos show well-maintained vinyl siding, intact windows, and a recently shingled roof with no visible sagging or obvious water stains. Concrete stoops and walk pathways show minor cracking and wear but are serviceable. Landscaping is minimal and tidy. Listing states 'recently updated' and tenant in place, supporting the inference that interior cosmetic condition is acceptable. No major deferred-maintenance (peeling paint, collapsed surfaces, exposed subfloor) is visible. Missing/aged fixtures (exterior trim, small steps without handrail) and typical wear reduce the score slightly."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 78.0,
"rationale": "No obvious life-threatening hazards visible from photos: no standing water, no collapsed ceilings, no structural sagging, and no exposed wiring. Entry has a security/metal door likely with a lock; windows appear full-size (reasonable egress). However interior life-safety items (smoke detectors, CO alarms, GFCI protection in kitchen/bath, electrical panel condition, hot water availability) cannot be confirmed from the photos. The exterior entry stoop lacks a handrail which could fail on inspection if riser/step height triggers rail requirement. Overall low-to-moderate NSPIRE risk but requires interior verification of alarms, GFCI and outlet covers."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 74.0,
"rationale": "Roof appears recently replaced or in good condition with no visible leaks or sagging. No exterior HVAC condenser is visible in provided photos but the property is currently leased (listing claims), which implies functional heating/cooling likely present; this is an assumption and should be verified. Water heater, plumbing, electrical panel and drainage away from structure are not visible and reduce confidence. Because no obvious signs of system failure are visible (no roof leaks, no exterior deterioration), score is moderate-high but downgraded for unverified mechanicals."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 88.0,
"rationale": "Level lot with newer chain-link fence, tidy lawn, clear access and a driveway area visible. Siding and foundation brick skirt appear intact and straight. No evidence of erosion, standing water, or major grading issues is present. Neighboring lots are similar age/condition. Overall the exterior/site is well kept and ready for tenants; minor improvements (front step handrail, path repair) are recommended."
},
{
"key": "rental_history_activity",
"label": "Rental History / Activity (bonus)",
"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": [
"Listing statement 'currently leased to a dependable Section 8 tenant' is accurate and indicates a recent successful HCV inspection or functioning systems.",
"Interior condition (walls, floors, kitchen/bath fixtures) has been recently updated as claimed; no severe interior hazards (major mold, collapsed ceilings, exposed subfloor) are present.",
"A functional heating/cooling system and water heater are present and operational (not visible in photos but assumed because of tenant occupancy).",
"Smoke detectors and carbon monoxide alarms may be present but were not visible in exterior photos and must be confirmed.",
"Electrical panel, outlet coverage and GFCI protection are unknown from photos; assume typical condition for a leased property but require verification.",
"Window sizes pictured provide adequate egress for bedrooms; interior window conditions and locking hardware need confirmation."
],
"overall_score": 80.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1323 Gulfport St, Birmingham, AL, 35224",
"aggregate": {
"summary": "Overall this property appears largely turnkey from exterior inspection — well maintained yard, intact siding and foundation, and a roof that appears recently replaced. The active Section 8 tenancy is a strong indicator the unit previously met NSPIRE/HAP inspection standards. Major structural or life‑threatening defects are not visible in the photos. Primary uncertainty is interior systems verification (HVAC condenser not visible, no interior photos to confirm smoke/CO detectors, GFCIs, electrical panel, water heater, and appliance presence). Expect a likely pass with minor corrective items (handrail if required, verify detectors, GFCI) — target readiness within 1–4 weeks depending on interior findings.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.3,
"rationale": "Exterior photos show a maintained single‑story rental with intact vinyl siding, brick foundation skirting, and recently replaced-looking roof shingles. Yard is mowed and chain link fence is intact. Minor items visible: cracked walkway, small concrete step wear, overgrown shrubbery near windows, and older window units/frames. No major exterior cosmetic deterioration visible. Missing interior photos prevent confirmation of kitchen/bath condition and appliances; listing notes tenant in place which suggests basic interior upkeep. Missing fridge/stove not observed in photos — assumed present. Overall minor repairs and cosmetic work likely only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Large, level lot with intact chain‑link fencing, maintained lawn, and clear yard access. Walkway shows cracking and small areas of erosion/needle debris but no major trip hazards. Siding and foundation look intact; gutters are not clearly visible but no evidence of active roof leaks from exterior. Neighborhood context shows similar houses nearby. Overall the site is well kept and low risk."
},
{
"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."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 71.0,
"rationale": "No obvious life‑threatening hazards in exterior photos: no sagging rooflines, no visible major foundation cracks, no standing water, and no exposed wiring. Entry door has a security screen/metal door. Visible exterior steps lack a handrail (one to two steps) — minor code issue depending on local ordinance. Smoke/CO detectors, GFCI outlets, electrical panel integrity, hot water and interior plumbing cannot be confirmed from exterior photos. Listing states a current Section 8 tenant (implying the unit passed previously), which raises likelihood detectors and basic code items are present. Because several required elements are unverified, assign a modest safety risk deduction."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 66.3,
"rationale": "Roof appears in good condition with newer shingles visible from photos. There is no clearly visible exterior central HVAC condenser in the photos (could be located at rear or inside), and no water heater, electrical panel, or plumbing fixtures are visible to inspect. Age of house (1932) means systems may have been updated but cannot be confirmed. Tenant in place suggests functional HVAC/plumbing/electrical, but lack of visible condenser and no interior/system photos lowers score to reflect uncertainty and potential near-term system servicing."
}
],
"red_flags": [],
"confidence": 0.84,
"assumptions": [
"Listing statement that a Section 8 tenant is currently in place is accurate and reflects a recent passing NSPIRE/HAP inspection.",
"Interior conditions (kitchen, bath, appliances, detectors) are in functional condition consistent with an occupying tenant; no major interior damage is hidden behind closed doors.",
"HVAC, water heater and electrical systems are present and operational though not visible in exterior photos; any servicing needs are likely minor.",
"Roof was recently replaced or is in good condition as suggested by visible new-looking shingles.",
"No active roof leaks, major mold, or concealed structural issues exist based solely on the lack of exterior evidence to the contrary; however these cannot be fully verified without interior inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 73.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8173977376"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.