Property ID: 8185512148
429 86th Pl S, Birmingham, AL, 35206
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$2,400
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$60,000
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 67.10%
Confidence: 89.00%
Overall the home appears rent-ready with mostly cosmetic work and a few safety items to address. Recent major system replacements (roof 2020, HVAC 2020, water heater 2022) are strong positives. Primary inspection risks are the absence/not-visible smoke and CO detectors, exposed wiring in built-in shelving, and sunroom window/trim rot. Fixing the exposed wiring, installing required alarms, adding any missing handrails, and addressing the sunroom trim/rot should put the property into solid NSPIRE compliance and make it likely to pass an initial HCV inspection within 1–4 weeks.
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$60,000
Beds
2
Baths
1
Living Area
936 sqft
Lot Size
8,712 sqft
Year Built
1949
Days on Market
193
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Great opportunity-whether you're looking for an investment or a place to call home. Two bedrooms, one bath. The living room has beautiful hardwood floors, a cozy fireplace, and flows into the dining area. The kitchen has lots of cabinets and counter space, and the refrigerator is included. There's a laundry room just off the back porch. Big backyard and driveway parking too! HVAC and new ductwork in 2020. New roof in 2020. New hot water heater in 2022.
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$588
DP3 Annual Estimate$873
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$73
Replacement Value$64,800
Basis936 sqft / 1949
Nearby Houses
Photo unavailable
425 86th Pl S
sold · 0.01 mi
Price: $155,000
3 bd / 2 ba · 1,295 sqft
Latest sale: $155,000 on Mar 28, 2022
Latest rent: —
Photo unavailable
428 87th St S
sold · 0.03 mi
Price: $210,000
3 bd / 2 ba · 1,516 sqft
Latest sale: $210,000
Latest rent: —
Photo unavailable
424 86th Pl S
sold · 0.03 mi
Price: $63,000
2 bd / 1 ba · 840 sqft
Latest sale: $63,000
Latest rent: —
Photo unavailable
441 86th Pl S
for_sale · 0.03 mi
Price: $109,900
3 bd / 1 ba · 1,077 sqft
Latest sale: $6,335,000
Latest rent: —
Photo unavailable
445 86th Pl S
sold · 0.05 mi
Price: $105,000
3 bd / 1 ba · 1,170 sqft
Latest sale: $105,000
Latest rent: —
Photo unavailable
444 87th St S
sold · 0.05 mi
Price: $120,000
3 bd / 1 ba · 1,000 sqft
Latest sale: $120,000 on Apr 15, 2024
Latest rent: $1,200 on Jan 13, 2024
Photo unavailable
448 86th St
for_sale · 0.06 mi
Price: $74,900
3 bd / 1 ba · 1,053 sqft
Latest sale: —
Latest rent: —
Photo unavailable
449 86th Pl S
sold · 0.06 mi
Price: $15,000
3 bd / 1 ba · 1,065 sqft
Latest sale: $15,000
Latest rent: —
Photo unavailable
448 S 87th St
sold · 0.07 mi
Price: $115,000
3 bd / 1 ba · 960 sqft
Latest sale: $115,000
Latest rent: —
Photo unavailable
425 87th St
for_sale · 0.07 mi
Price: $90,000
2 bd / 1 ba · 890 sqft
Latest sale: $138,000
Latest rent: —
Photo unavailable
440 86th St S
sold · 0.07 mi
Price: $75,000
3 bd / 1 ba · 951 sqft
Latest sale: $75,000 on Sep 26, 2024
Latest rent: $1,100 on Feb 13, 2025
Photo unavailable
405 86th Pl S
sold · 0.07 mi
Price: $24,000
2 bd / 1 ba · 864 sqft
Latest sale: $24,000 on Jan 24, 2023
Latest rent: —
Photo unavailable
404 87th St S
sold · 0.07 mi
Price: $61,000
3 bd / 1 ba · 924 sqft
Latest sale: $61,000
Latest rent: —
Photo unavailable
413 87th St S
sold · 0.08 mi
Price: $23,750
3 bd / 2 ba
Latest sale: $23,750
Latest rent: —
Photo unavailable
533 85th St S
sold · 0.09 mi
Price: $75,000
2 bd / 1 ba · 1,174 sqft
Latest sale: $75,000
Latest rent: —
Photo unavailable
608 86th St S
sold · 0.09 mi
Price: $4,500
3 bd / 1 ba
Latest sale: $4,500
Latest rent: —
Photo unavailable
603 85th St S
sold · 0.10 mi
Price: $235,000
4 bd / 3 ba · 3,108 sqft
Latest sale: $235,000
Latest rent: —
Photo unavailable
458 Exeter Dr
sold · 0.11 mi
Price: $159,900
3 bd / 2 ba · 1,027 sqft
Latest sale: $159,900
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- Visible exposed wiring/cable hanging from built-in shelving — potential electrical hazard that must be corrected.
- No smoke detectors or carbon monoxide alarms visible in photos — required for NSPIRE/HCV compliance.
- Front entry steps lack a handrail (safety/trip fall hazard and potential code violation).
- Sunroom/window lower trim shows missing/rotten board — indicates moisture intrusion that should be repaired and checked for mold.
Assumptions
- Appliances (stove and refrigerator) are included and functional as shown in listing photos.
- HVAC, roof, and hot water heater are operational as claimed in the listing (HVAC/ductwork 2020, roof 2020, water heater 2022) though on-site verification is recommended.
- Bedroom windows provide required egress dimensions; not directly measurable from photos.
- Electrical panel is intact and properly labeled though not shown; only localized exposed wiring noted in shelving area.
- No active roof leaks or major hidden structural/foundation issues exist beyond visible cosmetic exterior wear (based on photos and recent roof replacement).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,106 | $78,200 | $15,640 |
| 2023 | $1,039 | $71,700 | $14,340 |
| 2022 | $1,028 | $71,700 | $14,340 |
| 2021 | $846 | $58,400 | $11,680 |
| 2020 | $904 | $62,400 | $11,100 |
| 2019 | $904 | $62,400 | $12,480 |
| 2018 | $787 | $54,300 | $10,860 |
| 2017 | $787 | $54,300 | $10,860 |
| 2016 | $787 | $54,300 | $10,860 |
| 2015 | $787 | $54,300 | $10,860 |
| 2013 | $722 | $50,900 | $10,180 |
| 2012 | $800 | $56,480 | $11,296 |
| 2011 | $851 | $60,200 | $12,040 |
| 2010 | $851 | $60,200 | $12,040 |
| 2009 | $851 | $60,200 | $12,040 |
| 2008 | $869 | $61,500 | $12,300 |
| 2007 | $836 | $59,100 | $11,820 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-21 | Price Changed | $60,000 |
| 2025-11-04 | Price Changed | $65,000 |
| 2025-08-07 | Listed | $70,000 |
| 2020-05-19 | Sold | $25,150 |
Photo Gallery
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"status": "sold",
"list_date": "2020-09-08T02:52:06Z",
"list_price": 21000,
"listing_id": "2915875753",
"last_update_date": "2020-05-19T20:03:45Z",
"last_status_change_date": "2020-09-08T02:52:06Z"
},
"event_name": "Sold",
"price_sqft": 26.86965811965812,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "882124",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8185512148",
"generated_at": "2026-02-16T02:22:14.199549Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.1
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the home appears rent-ready with mostly cosmetic work and a few safety items to address. Recent major system replacements (roof 2020, HVAC 2020, water heater 2022) are strong positives. Primary inspection risks are the absence/not-visible smoke and CO detectors, exposed wiring in built-in shelving, and sunroom window/trim rot. Fixing the exposed wiring, installing required alarms, adding any missing handrails, and addressing the sunroom trim/rot should put the property into solid NSPIRE compliance and make it likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Photos show generally intact interior finishes: painted walls, intact trim, working-looking kitchen and bathroom, hardwood floors in fair condition. Appliances (stove and refrigerator) are present per listing and photos. Visible localized damage: sunroom/walk-in window area has missing/rotten lower trim/board and needs repair, scuffed/worn hardwood with some surface staining, and minor cosmetic trim/paint touch-ups throughout. No large collapsed ceilings, severe floor damage, or exposed subfloor observed. Overall mostly cosmetic and moderate wear that are easy-to-fix; missing/repair of the sunroom lower panel is the main repair item."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not visible or are potential fails: no smoke detectors or CO alarms are visible in photos (required), and there is visible exposed wiring/cable hanging inside built-in shelving area (potential electrical hazard). Front entry steps appear to lack a handrail which may be a code/safety issue depending on riser count; sunroom window trim rot suggests previous water intrusion which can hide mold/moisture damage. Bedrooms show windows but egress size cannot be confirmed from photos. Entry door appears present and lockable but deadbolt is not clearly visible. Plumbing fixtures and tub/toilet appear intact. Because of the visible exposed wiring and absence of visible alarms, this is a moderate inspection risk until detectors and any exposed wiring are corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 78.0,
"rationale": "Listing states HVAC and new ductwork installed in 2020, new roof in 2020, and new hot water heater in 2022; those updates reduce major-system risk. Photos show vents and a functioning-looking electric range; bathroom fixtures appear serviceable. Electrical panel and detailed plumbing access were not shown so full condition cannot be confirmed; however no visible signs of active leaks, water stains on ceilings, or roof sagging were observed in interior photos. Given the documented recent replacements and lack of visible system failures, major systems appear in good condition though verification on HVAC operation and electrical panel is recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior shows intact roofline and chimney; siding shows wear and could use repainting/maintenance. Front steps and small stoop lack a handrail and landscaping is unkempt with bare dirt patches and minor driveway/walkway cracking. Foundation vents are present and no obvious large foundation cracks or settling are visible in provided exterior photo. Yard and walkways need cleanup and minor repairs but there is no evidence of standing water or severe neglect. Sunroom exterior-facing windows/trim likely need repair (matches interior damage)."
}
],
"red_flags": [
"Visible exposed wiring/cable hanging from built-in shelving — potential electrical hazard that must be corrected.",
"No smoke detectors or carbon monoxide alarms visible in photos — required for NSPIRE/HCV compliance.",
"Front entry steps lack a handrail (safety/trip fall hazard and potential code violation).",
"Sunroom/window lower trim shows missing/rotten board — indicates moisture intrusion that should be repaired and checked for mold."
],
"confidence": 0.7,
"assumptions": [
"Appliances (stove and refrigerator) are included and functional as shown in listing photos.",
"HVAC, roof, and hot water heater are operational as claimed in the listing (HVAC/ductwork 2020, roof 2020, water heater 2022) though on-site verification is recommended.",
"Bedroom windows provide required egress dimensions; not directly measurable from photos.",
"Electrical panel is intact and properly labeled though not shown; only localized exposed wiring noted in shelving area.",
"No active roof leaks or major hidden structural/foundation issues exist beyond visible cosmetic exterior wear (based on photos and recent roof replacement)."
],
"overall_score": 69.0,
"rubric_version": "2026-02-hud-nspire-v1"
},
{
"summary": "This 2BR/1BA bungalow appears largely structurally sound and contains several recent system updates (HVAC 2020, roof 2020, water heater 2022) and included kitchen appliances — factors that make it reasonably close to Section 8 / NSPIRE readiness. Primary deficiencies that would likely prevent an initial HCV inspection are exposed ceiling/wiring in a bedroom area, lack of visible smoke detectors/CO alarms, missing handrail at the front steps, and unclear GFCI protection. These are repairable items (electrical correction, alarm installations, handrail installation, minor exterior and interior finish work). With those corrections and a short walk-through to confirm panel condition and outlet protection, the property would likely pass an initial inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior photos show generally serviceable surfaces and finished hardwood floors with localized wear and some staining; kitchen cabinets/countertops appear intact; refrigerator and stove are present. Minor cosmetic defects include scuffed baseboards, patched/unfinished wall area in the sunroom, and some floor discoloration near vents. The enclosed front sunroom has a damaged lower wall panel that needs repair. Overall the unit looks mostly cosmetically updated and would require painting, small trim repairs and a few finish trades to be fully rental-ready. Exposed wiring observed (see safety) lowers the score modestly."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 50.0,
"rationale": "Visible safety risks: exposed ceiling/wiring in a bedroom/alcove (loose fixture wiring seen in one bedroom photo) is an NSPIRE failure until corrected. No smoke detectors or carbon monoxide alarms are visible in any interior photos (NSPIRE requires smoke alarms in each sleeping room and outside sleeping areas; CO alarms required if fuel-burning appliances are present). The front entry steps have no visible handrail which may be a code/safety deficiency. GFCI protection for kitchen/bath outlets is not visible. No active water stains, roof leaks, collapsed ceilings or major foundation cracks were observed. These items create moderate inspection risk; corrective work (installing alarms, repairing wiring, adding a handrail, installing GFCIs) is straightforward but required prior to passing."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof, Water Heater)",
"score": 75.0,
"rationale": "Listing states HVAC and new ductwork installed in 2020 and a new roof in 2020; a hot water heater replaced in 2022. Photos show floor vents and a functional-looking electric range; bathroom fixtures appear intact and bathtub surround looks recently replaced. No evidence of roof leaks or water intrusion in interior photos. Electrical panel and service were not shown; exposed wiring in one room indicates at least a localized electrical repair is required. Based on seller-provided dates and visible equipment, major systems appear recently updated and likely functional, but final verification by service records or testing is recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Exterior shows older siding with peeling paint and some landscaping neglect (bare dirt areas, overgrown shrub). Driveway and concrete walkway are present but show wear and minor cracking. Foundation vents visible; no obvious major foundation movement or sagging observed in photos. Front steps to the door lack a handrail and the front yard has erosion/bare spots that could be trip hazards. Chimney appears intact. Overall exterior is serviceable but needs cosmetic site cleanup, paint touch-up, and addition of required handrail(s) for safety/compliance."
}
],
"red_flags": [
"Exposed electrical wiring/loose ceiling fixture visible in a bedroom (safety/inspection fail until repaired).",
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE requires functioning smoke alarms in sleeping areas and outside).",
"Front entry steps lack a handrail (potential safety/code failure).",
"No visible GFCI protection in kitchen/bath areas (likely required)."
],
"confidence": 0.6,
"assumptions": [
"Seller listing statements are accurate: HVAC and ductwork were replaced in 2020, roof replaced in 2020, and hot water heater replaced in 2022.",
"No active water leaks or hidden structural issues exist beyond what is visible in photos (no staining or sagging observed).",
"Electrical service/panel is functional and up to code except for the visible exposed wiring; full panel condition is unknown.",
"Smoke and CO alarms are not installed or not visible in photos and should be treated as missing until confirmed present and functioning.",
"Kitchen and bathroom plumbing are functional (fixtures appear intact) but were not tested; hot water is available given recent water heater replacement.",
"Bedrooms have egress windows of adequate size unless field measurement indicates otherwise; photos suggest typical replacement windows but egress was not measured."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2BR/1BA single-family appears structurally intact and largely turnkey thanks to recent major system updates (roof, HVAC, water heater) and functioning kitchen/bath. The property is a moderate-risk pass candidate for an initial Section 8/NSPIRE inspection: likely to fail only for correctable safety/code items (missing/absent smoke & CO alarms, lack of GFCI at wet areas, exposed wiring in built-in shelving, missing front handrail, and localized peeling/rot at the sunroom window base). Addressing those items (install alarms, GFCI, secure/cover wiring, add handrail, repair/prime/paint affected wood and sills) should put the unit into passable condition within a short turnover window.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Overall interior is cosmetically sound with intact hardwood floors, painted walls, working kitchen fixtures and included refrigerator and stove. Listing notes new roof (2020), HVAC/ductwork (2020) and hot water heater (2022). Visible repair items: worn floor finishes in places, scuffed baseboards, a missing lower wall panel/trim in the sunroom area, and some minor ceiling/fixture wear (fan with dirty/warped blades). These are mostly cosmetic or small carpentry jobs and should be repairable with standard turnover work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 50.0,
"rationale": "Significant inspection-risk items observed or reasonably inferred: no smoke detectors or CO alarms visible in photos (likely required), visible exposed wiring in a built-in shelf area (photo shows hanging/uncovered wires), no visible GFCI near kitchen sink, and the front entry steps lack a handrail. The sunroom/window sills show deterioration/peeling paint (house built 1949) creating a potential lead-paint risk. These items frequently cause an initial inspection fail but are generally correctable with targeted repairs (install detectors, GFCI, cover/repair wiring, install handrail, address peeling paint)."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 85.0,
"rationale": "Listing states new roof (2020), new HVAC and ductwork (2020) and new hot water heater (2022) — corroborated by photos showing intact roofline and functioning HVAC vents. Kitchen, bath and water fixtures appear intact with no visible leaks. Electrical service/equipment not shown but outlets and lighting are present; no obvious major system failures photographed. Given the recent system replacements, major mechanical failure risk is low."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 68.0,
"rationale": "Exterior siding and chimney appear intact but show age; front yard has bare/deteriorated turf and some soil exposure. Concrete driveway and walkway are present though the front steps lack a handrail. The sunroom exterior/trim shows localized rot/peeling at the base that requires repair. No evidence of standing water, major foundation cracking, or visible collapsed elements in the provided photos."
}
],
"red_flags": [
"Exposed wiring in built-in shelving (electrical hazard)",
"No visible smoke detectors or CO alarms (inspection fail risk)",
"No visible GFCI protection at kitchen/bath (inspection fail risk)",
"Missing front stair handrail at entry (safety code issue)",
"Peeling/rotten window sill and missing trim in sunroom - potential lead paint hazard (house built 1949)"
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or carbon monoxide alarms are present (none visible in photos); assume they are not installed or not correctly located.",
"GFCI protection is not present at kitchen or bathroom (no GFCI receptacle visible) and will need verification and likely installation.",
"Stove is electric (visible coil-style electric range) and refrigerator is included as shown in photos.",
"Hot water heater and HVAC are functional based on listing dates (water heater 2022; HVAC/ductwork 2020) though no operational test was available.",
"Bedroom windows provide adequate egress based on visible size in photos, but exact dimensions were not measured.",
"The exposed/peeling paint on interior/exterior surfaces in photos is potential lead-based paint risk because the house was built in 1949; scope and remediation depend on jurisdiction and occupant profile.",
"Electrical service/panel condition was not shown and assumed to be intact unless inspection reveals otherwise."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "429 86th Pl S, Birmingham, AL, 35206",
"aggregate": {
"summary": "Overall the home appears rent-ready with mostly cosmetic work and a few safety items to address. Recent major system replacements (roof 2020, HVAC 2020, water heater 2022) are strong positives. Primary inspection risks are the absence/not-visible smoke and CO detectors, exposed wiring in built-in shelving, and sunroom window/trim rot. Fixing the exposed wiring, installing required alarms, adding any missing handrails, and addressing the sunroom trim/rot should put the property into solid NSPIRE compliance and make it likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.0,
"rationale": "Photos show generally intact interior finishes: painted walls, intact trim, working-looking kitchen and bathroom, hardwood floors in fair condition. Appliances (stove and refrigerator) are present per listing and photos. Visible localized damage: sunroom/walk-in window area has missing/rotten lower trim/board and needs repair, scuffed/worn hardwood with some surface staining, and minor cosmetic trim/paint touch-ups throughout. No large collapsed ceilings, severe floor damage, or exposed subfloor observed. Overall mostly cosmetic and moderate wear that are easy-to-fix; missing/repair of the sunroom lower panel is the main repair item."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 64.3,
"rationale": "Exterior shows intact roofline and chimney; siding shows wear and could use repainting/maintenance. Front steps and small stoop lack a handrail and landscaping is unkempt with bare dirt patches and minor driveway/walkway cracking. Foundation vents are present and no obvious large foundation cracks or settling are visible in provided exterior photo. Yard and walkways need cleanup and minor repairs but there is no evidence of standing water or severe neglect. Sunroom exterior-facing windows/trim likely need repair (matches interior damage)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 51.7,
"rationale": "Several NSPIRE safety items are not visible or are potential fails: no smoke detectors or CO alarms are visible in photos (required), and there is visible exposed wiring/cable hanging inside built-in shelving area (potential electrical hazard). Front entry steps appear to lack a handrail which may be a code/safety issue depending on riser count; sunroom window trim rot suggests previous water intrusion which can hide mold/moisture damage. Bedrooms show windows but egress size cannot be confirmed from photos. Entry door appears present and lockable but deadbolt is not clearly visible. Plumbing fixtures and tub/toilet appear intact. Because of the visible exposed wiring and absence of visible alarms, this is a moderate inspection risk until detectors and any exposed wiring are corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 79.3,
"rationale": "Listing states HVAC and new ductwork installed in 2020, new roof in 2020, and new hot water heater in 2022; those updates reduce major-system risk. Photos show vents and a functioning-looking electric range; bathroom fixtures appear serviceable. Electrical panel and detailed plumbing access were not shown so full condition cannot be confirmed; however no visible signs of active leaks, water stains on ceilings, or roof sagging were observed in interior photos. Given the documented recent replacements and lack of visible system failures, major systems appear in good condition though verification on HVAC operation and electrical panel is recommended."
}
],
"red_flags": [
"Visible exposed wiring/cable hanging from built-in shelving — potential electrical hazard that must be corrected.",
"No smoke detectors or carbon monoxide alarms visible in photos — required for NSPIRE/HCV compliance.",
"Front entry steps lack a handrail (safety/trip fall hazard and potential code violation).",
"Sunroom/window lower trim shows missing/rotten board — indicates moisture intrusion that should be repaired and checked for mold."
],
"confidence": 0.89,
"assumptions": [
"Appliances (stove and refrigerator) are included and functional as shown in listing photos.",
"HVAC, roof, and hot water heater are operational as claimed in the listing (HVAC/ductwork 2020, roof 2020, water heater 2022) though on-site verification is recommended.",
"Bedroom windows provide required egress dimensions; not directly measurable from photos.",
"Electrical panel is intact and properly labeled though not shown; only localized exposed wiring noted in shelving area.",
"No active roof leaks or major hidden structural/foundation issues exist beyond visible cosmetic exterior wear (based on photos and recent roof replacement)."
],
"score_method": "mean_of_criteria",
"overall_score": 67.1,
"rubric_version": "2026-02-hud-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8185512148"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.