Property ID: 8181736548
712 Marlene Dr, Gretna, LA, 70056
Gretna, LA
Money Down: $64,776
CoC Return: -8.09%
Monthly Cash Flow: $-437
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$53,980
Closing Costs
$10,796
Total Down
$64,776
Investment Snapshot
Purchase Price
$269,900
Money Down
$64,776
Cash-on-Cash Return
-8.09%
Rent
$2,002
Monthly Cash Flow
$-437
Annual Cash Flow
$-5,240
Debt Service / Mo
$1,437
Property Tax / Mo
$628
Insurance / Mo
$174
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,002
Payment Standard
$2,328
Rent
$2,002
Insurance
$174
Property Tax
$628
Management
$200
Utilities Allowance
$326
NOI (Monthly)
$1,000
Debt Service
$1,437
Cash Flow After Debt
$-437
Quality Score: 71.00%
Confidence: 79.00%
Based on photos and listing, the house appears cosmetically updated and largely inspection-ready with functioning appliances and finished interiors. Main uncertainties are verification of smoke/CO detectors, GFCI, electrical panel and water‑heater condition, pool barrier/compliance, and roof age. Likely to pass an initial HCV/NSPIRE inspection with minor corrective items (detectors, GFCI, possible pool fencing) but may require roof or system repairs depending on unseen conditions. Estimated rent-readiness timeline: minor items within 1–4 weeks; if roof or mechanical issues discovered, 30+ days.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$326
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$269,900
Beds
4
Baths
3
Living Area
2,237 sqft
Lot Size
—
Year Built
1995
Days on Market
70
Capital Outlay
$64,776
Debt Service
$1,437
Property Tax / Mo
$628
Insurance / Mo
$174
Property Description
Property located in the Timberlane Subdivision offering 4 bedrooms and 3 baths. Open floor plan, crown molding, kitchen with granite countertops, recessed lighting, covered patio, inground pool. Seller will not make any repairs to the property, either lender or buyer requested. Buyer to accept property in as is condition after inspections. No inspection reports available. Loan approval letter or proof of funds must accompany offer, max 30-days old. Close with seller's title company and seller pays buyer's title insurance. Special addendums with accepted offer. Measurements are approximate and not guaranteed. Property sold as is with waiver of redhibition at act of sale.
Utility Allowances
cooking
$14
The property has natural gas service and a range/oven. The 'natural_gas' option for cooking was selected.
heating
$79
The property has central heat and 'Natural Gas' is listed as a utility. The 'natural_gas' heating option was selected as the most logical choice.
other_electric
$77
This fixed allowance covers general electricity for lighting, central A/C, and appliances. The listing confirms central cooling and landlord-provided appliances (refrigerator, microwave).
sewer
$54
The property listing confirms a connection to the city sewer system ('Sewer: City').
trash_collection
$25
Trash collection is a standard required utility for a single-family detached home and is assumed to be the tenant's responsibility unless stated otherwise.
water
$50
The property listing confirms a connection to the public water supply ('Water Source: Public').
water_heating
$27
Given the explicit availability of 'Natural Gas' for other systems, it is assumed the water heater also uses natural gas.
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$2,092
DP3 Annual Estimate$2,092
DP1 Monthly Equivalent$174
DP3 Monthly Equivalent$174
Replacement Value$283,400
Basis2,237 sqft / 1995
Nearby Houses
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729 Rue St
for_sale · 0.06 mi
Price: $321,900
3 bd / 2 ba · 1,514 sqft
Latest sale: —
Latest rent: —
Photo unavailable
765 Marlene Dr
sold · 0.19 mi
Price: $369,900
5 bd / 3 ba · 2,700 sqft
Latest sale: — on Apr 12, 2021
Latest rent: —
Photo unavailable
513 Fairfield Ave
sold · 0.27 mi
Price: $539,000
5 bd / 4 ba · 3,700 sqft
Latest sale: —
Latest rent: —
Photo unavailable
601 Adee Ln
sold · 0.28 mi
Price: $389,500
4 bd / 4 ba · 2,891 sqft
Latest sale: —
Latest rent: —
Photo unavailable
757 Dory Dr
sold · 0.31 mi
Price: $259,000
3 bd / 3 ba · 2,056 sqft
Latest sale: —
Latest rent: —
Photo unavailable
336 Brett Dr
sold · 0.32 mi
Price: $250,000
3 bd / 3 ba · 2,553 sqft
Latest sale: — on Jul 28, 2021
Latest rent: —
Photo unavailable
803 Bellemeade Blvd
sold · 0.37 mi
Price: $270,000
4 bd / 3 ba · 2,300 sqft
Latest sale: —
Latest rent: —
Photo unavailable
344 Woodmeade Ct
sold · 0.39 mi
Price: $260,000
3 bd / 3 ba · 2,388 sqft
Latest sale: — on Aug 24, 2021
Latest rent: —
Photo unavailable
701 Fairfield Ave
for_sale · 0.41 mi
Price: $530,000
3 bd / 4 ba · 3,270 sqft
Latest sale: — on Jul 15, 2022
Latest rent: $4,800 on Jun 25, 2025
Photo unavailable
9 Fernwood St
for_sale · 0.42 mi
Price: $615,000
4 bd / 4 ba · 3,777 sqft
Latest sale: — on May 29, 2020
Latest rent: —
Photo unavailable
304 Brett Dr
sold · 0.45 mi
Price: $150,000
3 bd / 1 ba · 1,301 sqft
Latest sale: — on Dec 03, 2021
Latest rent: —
Photo unavailable
712 Fairfield Ave
sold · 0.46 mi
Price: $330,000
4 bd / 4 ba · 3,875 sqft
Latest sale: — on Mar 26, 2021
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 provided photos and are assumed not verified; likely need verification/installation.
- Electrical panel, water heater, and HVAC equipment are present inside the home but their condition and labeling are unknown.
- Inground pool exists per listing but no photos provided; assume pool may require barrier/fence and functional equipment checks.
- Roof appears aged from curb photo; assume remaining life is limited and replacement may be needed within a few years but no active leaks visible in interior photos.
- Windows in bedrooms appear to be present and likely provide egress, but exact dimensions and compliance are unverified from photos.
- No visible mold, severe water intrusion, structural sagging, or collapsed ceilings in supplied photos; therefore none assumed present unless found on inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $7,312 | $356,200 | $35,620 |
| 2024 | $7,319 | $356,200 | $35,620 |
| 2023 | $7,302 | $356,200 | $35,620 |
| 2022 | $7,185 | $356,200 | $35,620 |
| 2021 | $6,933 | $356,200 | $35,620 |
| 2020 | $4,967 | $217,000 | $21,700 |
| 2019 | $4,969 | $213,000 | $21,300 |
| 2018 | $2,848 | $213,000 | $21,300 |
| 2017 | $2,556 | $213,000 | $21,300 |
| 2016 | $2,536 | $213,000 | $21,300 |
| 2015 | $2,573 | $213,000 | $21,300 |
| 2014 | $2,573 | $213,000 | $21,300 |
| 2013 | $2,457 | $209,800 | $20,980 |
| 2012 | $1,764 | $209,800 | $20,980 |
| 2011 | $1,746 | $211,200 | $21,120 |
| 2010 | $1,807 | $211,200 | $21,120 |
| 2009 | $2,353 | $211,200 | $21,120 |
| 2008 | $1,381 | — | $21,120 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-27 | Sold | — |
| 2020-12-07 | Sold | — |
| 2019-07-30 | Sold | — |
| 2013-07-12 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2022-09-28 | Listed for rent | $2,600 | — |
Photo Gallery
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"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property has natural gas service and a range/oven. The 'natural_gas' option for cooking was selected.",
"utility": "cooking",
"allowance": 14
},
{
"note": "The property has central heat and 'Natural Gas' is listed as a utility. The 'natural_gas' heating option was selected as the most logical choice.",
"utility": "heating",
"allowance": 79
},
{
"note": "This fixed allowance covers general electricity for lighting, central A/C, and appliances. The listing confirms central cooling and landlord-provided appliances (refrigerator, microwave).",
"utility": "other_electric",
"allowance": 77
},
{
"note": "The property listing confirms a connection to the city sewer system ('Sewer: City').",
"utility": "sewer",
"allowance": 54
},
{
"note": "Trash collection is a standard required utility for a single-family detached home and is assumed to be the tenant's responsibility unless stated otherwise.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "The property listing confirms a connection to the public water supply ('Water Source: Public').",
"utility": "water",
"allowance": 50
},
{
"note": "Given the explicit availability of 'Natural Gas' for other systems, it is assumed the water heater also uses natural gas.",
"utility": "water_heating",
"allowance": 27
}
],
"cash_on_cash_return": 0.22,
"down_payment_amount": 53980.0,
"property_tax_annual": 7531.36,
"property_tax_monthly": 627.61,
"property_tax_increase": 0.03,
"utility_allowance_total": 326.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -5240.01,
"property_management_monthly": 200.2,
"monthly_cash_flow_after_debt": -436.67,
"cash_on_cash_return_after_debt": -0.1
},
"section8_assessment": {
"runs": [
{
"summary": "Based on photos and listing, the house appears cosmetically updated and largely inspection-ready with functioning appliances and finished interiors. Main uncertainties are verification of smoke/CO detectors, GFCI, electrical panel and water‑heater condition, pool barrier/compliance, and roof age. Likely to pass an initial HCV/NSPIRE inspection with minor corrective items (detectors, GFCI, possible pool fencing) but may require roof or system repairs depending on unseen conditions. Estimated rent-readiness timeline: minor items within 1–4 weeks; if roof or mechanical issues discovered, 30+ days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently updated: new-look LVP flooring, refreshed paint, remodeled kitchen and baths, and installed appliances visible. No obvious interior cosmetic defects or active water stains in photos. Deductions for unknown condition of pool, seller 'as-is' clause (no repairs), and roof shingle aging visible from exterior photo which suggests medium-term capital work may be needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No visible life‑threatening hazards in photos (no collapsed ceilings, standing water, exposed wiring). Central HVAC vents present and interior fixtures look functional. However photos do not show smoke/CO detectors, GFCI verification, electrical panel, or egress window dimensions; pool presence (per listing) raises potential life‑safety fencing/barrier requirement. Seller refusal to make repairs and lack of inspection reports increase risk. Score reflects likely passable condition but several unverified NSPIRE items."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 68.0,
"rationale": "Ceiling vents indicate central HVAC likely present; fixtures and plumbing appear intact in shown bathrooms/kitchen. Appliances (fridge, range, dishwasher) visible which reduces immediate tenant readiness risk. Roof shows darkening/aging shingles from exterior photo — age-related replacement may be necessary in near term. Electrical panel, water heater, and drainage details not shown; those unknowns reduce score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Front yard and driveway are maintained; siding/brick façade looks intact; no visible foundation settlement or major exterior damage. Driveway shows some cracking but functional. Listing states inground pool (not pictured) which could create additional fencing/safety requirements and maintenance liability. Roof aesthetic aging noted from curb photo."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5y)",
"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 provided photos and are assumed not verified; likely need verification/installation.",
"Electrical panel, water heater, and HVAC equipment are present inside the home but their condition and labeling are unknown.",
"Inground pool exists per listing but no photos provided; assume pool may require barrier/fence and functional equipment checks.",
"Roof appears aged from curb photo; assume remaining life is limited and replacement may be needed within a few years but no active leaks visible in interior photos.",
"Windows in bedrooms appear to be present and likely provide egress, but exact dimensions and compliance are unverified from photos.",
"No visible mold, severe water intrusion, structural sagging, or collapsed ceilings in supplied photos; therefore none assumed present unless found on inspection."
],
"overall_score": 78.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears generally well maintained and cosmetically updated and would likely pass many NSPIRE checkpoints after a few minor fixes (install/verify smoke & CO detectors, confirm GFCI in wet areas, verify hot water and electrical panel). Major concerns that could cause an initial fail are lack of visible pool safety barrier and the seller's 'as-is/no repairs' policy which shifts repair responsibility to the incoming owner/landlord. Roof shows age/discoloration and should be evaluated; mechanical systems (water heater, electrical panel, HVAC operation) were not shown and must be verified prior to occupancy. Estimated time to get rent-ready assuming typical minor fixes: 1–4 weeks if systems verified operational; longer if pool barrier or roof work required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently updated: new-look LVP flooring, painted walls, modern kitchen and baths, appliances present (refrigerator, range, dishwasher). Minor cosmetic touch-ups likely (trim scuffs, paint touch-up at stairs). Seller states property sold 'as-is' and will make no repairs, which increases tenant-turnover risk but does not indicate large deferred maintenance. No visible collapsed ceilings, major drywall damage, or exposed subfloor in photos. Missing small items (smoke/CO detectors not visible) and possible pool-related fixes reduce turnkey rating slightly."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 58.0,
"rationale": "No visible smoke or carbon-monoxide detectors in photos (required by NSPIRE/location-specific codes). Bedrooms and egress windows not individually shown; assumption made that bedrooms have egress but not verified. No obvious exposed wiring, loose handrails, or collapsed ceilings. Glass shower and fixtures look intact. Major concern: listing notes inground pool but no images of required safety barrier/fencing or gated access — pool barrier noncompliance is a common Section 8 fail. Seller's refusal to perform repairs and no inspection reports elevate risk. GFCI outlets, electrical panel, and hot water availability were not shown and therefore unverified."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 65.0,
"rationale": "Interior ceiling vents suggest central HVAC is present; kitchen appliances are present and appear connected (electric range visible). Bathrooms and kitchen finishes appear modern indicating recent plumbing updates. Water heater and electrical panel were not photographed; condition unverified. Roof shows dark staining/ageing but no visible sagging or active leaks in interior photos. Given the lack of mechanical photos and seller 'as-is' stance, assign moderate score for likely serviceable but unverified systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front yard, driveway and walk path are serviceable and landscaped; brick/veneer exterior looks intact. Roof shows noticeable discoloration/algae and appears aged — may need cleaning or replacement in near term. Inground pool is listed but not photographed for fencing or gate; pool presence raises safety/inspection requirements. No standing water or major foundation cracks visible from provided front elevation photo."
},
{
"key": "rental_history_activity",
"label": "Rental History (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": [
"Inground pool listed but no barrier/fencing or self-closing gate shown — pool-safety noncompliance can cause inspection failure.",
"No visible smoke detectors or carbon-monoxide detectors in photographed areas (required by code/NSPIRE).",
"Seller will not make any repairs and no inspection reports available — buyer/landlord assumes full repair risk.",
"Roof shows significant staining/ageing; potential near-term replacement or repair needed."
],
"confidence": 0.65,
"assumptions": [
"Bedrooms have code-compliant egress windows (not individually photographed).",
"Central HVAC is present and operational (ceiling vents observed), though service/filters not verified.",
"Water heater and electrical panel exist and are functional but were not photographed; no evidence of failure in interior photos.",
"Kitchen and bathroom plumbing fixtures are operational (no visible leaks), but hot water availability was not confirmed.",
"Smoke and carbon-monoxide detectors are not present on visible ceilings in photos and should be assumed missing until confirmed.",
"Inground pool exists per listing; no pool barrier/gate was shown in provided photos and is assumed not verified.",
"Roof shows staining/age but no active leaks visible in interior photos; assume roof near mid-to-late life and should be inspected.",
"Seller's 'as-is' stance means repairs will not be completed prior to tenancy; landlord must address any NSPIRE-required items."
],
"overall_score": 68.0,
"rubric_version": "nsps-2026-v1"
},
{
"summary": "Property appears largely cosmetically updated and generally in good visible condition — interior finishes, kitchen and baths look renovated and appliances are present. Main risks to a Housing Choice Voucher (NSPIRE) inspection are unverified life-safety items (smoke/CO detectors, GFCI outlets), lack of documentation for mechanical systems, and unknown pool safety barrier. Seller's 'as-is' stance and absence of inspection reports increase the chance that any discovered deficiencies would not be corrected by seller, which raises transactional risk. Overall readiness: likely to pass with minor repairs/verification within 1–4 weeks if life-safety items are present or installed; allow additional time if pool barrier or system issues are identified.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 78.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking LVP flooring, fresh paint, renovated kitchen and bathrooms, and installed appliances. No visible damaged drywall, peeling paint, or collapsed surfaces. Exterior shows a maintained lawn and intact brick/siding. Minor exterior defects observed: concrete walkway has hairline cracks and roof shingles appear aged/discolored (cosmetic wear). Listing states seller will not make repairs (as-is), which increases tenant turnover friction but does not itself indicate physical failures. Overall: mostly cosmetic/minor items only; missing/older components likely easy-to-fix."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible exposed wiring, loose handrails, collapsed ceilings, or obvious mold in photos. Interior stair has a handrail and guardrail. Central HVAC vents are visible (suggests heating/cooling present). Photo set does not clearly show smoke or carbon monoxide detectors, GFCI outlets in kitchen/baths, electrical panel, or egress window dimensions for all bedrooms. Property listing indicates an inground pool but no photos of pool safety barrier or gate; pool without compliant barrier would be a significant safety failure. Seller refusal to make repairs and absence of inspection reports increase risk that code deficiencies would not be corrected. Based on visible condition the property likely passes many basic checks, but missing/unknown life-safety items and pool barrier uncertainty reduce score."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, electrical, plumbing, water heater",
"score": 70.0,
"rationale": "Ceiling vents and recessed lighting suggest central HVAC and functioning electrical circuits. Kitchen appliances and modern bathroom fixtures are installed. Roof shows visual age and discoloration but no visible sagging or active leaks in interior photos. Mechanical equipment (HVAC condenser, water heater, electrical panel) not shown — condition assumed serviceable but unverified. Because systems are present and interior finishes are updated, major system failure is not evident but lack of documentation and as-is sale raise uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, walkways, yard, pool",
"score": 72.0,
"rationale": "Front elevation and yard are maintained; foundation appears level with no visible large cracks. Driveway and walkway show moderate cracking but are serviceable. Roof shingles show age/staining which may indicate approaching lifecycle replacement within a few years. Property listing notes an inground pool — no photos of pool, fencing, or gate provided; lack of verification of a compliant pool barrier is a site safety concern. No visible signs of active infestation or standing water in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental / occupancy evidence (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Pool safety barrier/gate not documented in photos — potential drowning hazard and NSPIRE failure if noncompliant or unlocked.",
"Smoke and carbon monoxide detector locations and functionality not verified — missing/disabled detectors are common inspection failures.",
"Seller explicitly will not make repairs and property is sold 'as-is' with no inspection reports — increases likelihood that identified deficiencies will not be addressed prior to voucher move-in.",
"Mechanical equipment (water heater, HVAC, electrical panel) not shown or documented — system failures would be uncovered during inspection and may require remediation by buyer/owner."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC exists and is operable (ceiling vents visible), but service records and current operational test not provided.",
"Kitchen appliances shown in photos (fridge, range, dishwasher) are present at move-in and assumed functional unless tested.",
"Bedrooms have egress windows meeting code dimensions (not all bedroom windows visible) — assumed satisfactory based on home age and layout.",
"Smoke and CO detectors, GFCI protection, and electrical panel are present but not visible in photos; their exact locations and functionality are unverified.",
"Inground pool exists per listing; photos of pool and any barrier/gate were not provided. Pool barrier compliance is unknown.",
"No significant hidden water intrusion or structural movement is present since interior photos show no stains or sagging; roof aging is cosmetic in photos and not an active leak (but roof life expectancy is uncertain).",
"Seller refusal to make repairs means any inspection failures will likely need to be remedied by buyer/owner-occupant or could prevent lease-up under Section 8 if not addressed."
],
"overall_score": 72.0,
"rubric_version": "ns-2026-1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "712 Marlene Dr, Gretna, LA, 70056",
"aggregate": {
"summary": "Based on photos and listing, the house appears cosmetically updated and largely inspection-ready with functioning appliances and finished interiors. Main uncertainties are verification of smoke/CO detectors, GFCI, electrical panel and water‑heater condition, pool barrier/compliance, and roof age. Likely to pass an initial HCV/NSPIRE inspection with minor corrective items (detectors, GFCI, possible pool fencing) but may require roof or system repairs depending on unseen conditions. Estimated rent-readiness timeline: minor items within 1–4 weeks; if roof or mechanical issues discovered, 30+ days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently updated: new-look LVP flooring, refreshed paint, remodeled kitchen and baths, and installed appliances visible. No obvious interior cosmetic defects or active water stains in photos. Deductions for unknown condition of pool, seller 'as-is' clause (no repairs), and roof shingle aging visible from exterior photo which suggests medium-term capital work may be needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.3,
"rationale": "Front yard and driveway are maintained; siding/brick façade looks intact; no visible foundation settlement or major exterior damage. Driveway shows some cracking but functional. Listing states inground pool (not pictured) which could create additional fencing/safety requirements and maintenance liability. Roof aesthetic aging noted from curb photo."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 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",
"score": 64.3,
"rationale": "No visible life‑threatening hazards in photos (no collapsed ceilings, standing water, exposed wiring). Central HVAC vents present and interior fixtures look functional. However photos do not show smoke/CO detectors, GFCI verification, electrical panel, or egress window dimensions; pool presence (per listing) raises potential life‑safety fencing/barrier requirement. Seller refusal to make repairs and lack of inspection reports increase risk. Score reflects likely passable condition but several unverified NSPIRE items."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 67.7,
"rationale": "Ceiling vents indicate central HVAC likely present; fixtures and plumbing appear intact in shown bathrooms/kitchen. Appliances (fridge, range, dishwasher) visible which reduces immediate tenant readiness risk. Roof shows darkening/aging shingles from exterior photo — age-related replacement may be necessary in near term. Electrical panel, water heater, and drainage details not shown; those unknowns reduce score."
}
],
"red_flags": [],
"confidence": 0.79,
"assumptions": [
"Smoke and carbon monoxide detectors are not visible in provided photos and are assumed not verified; likely need verification/installation.",
"Electrical panel, water heater, and HVAC equipment are present inside the home but their condition and labeling are unknown.",
"Inground pool exists per listing but no photos provided; assume pool may require barrier/fence and functional equipment checks.",
"Roof appears aged from curb photo; assume remaining life is limited and replacement may be needed within a few years but no active leaks visible in interior photos.",
"Windows in bedrooms appear to be present and likely provide egress, but exact dimensions and compliance are unverified from photos.",
"No visible mold, severe water intrusion, structural sagging, or collapsed ceilings in supplied photos; therefore none assumed present unless found on inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 71.0,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8181736548"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.