Property ID: 8189588657
3417 Maple Ave SW, Birmingham, AL, 35221
Birmingham, AL
Money Down: $15,096
CoC Return: 22.33%
Monthly Cash Flow: $281
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$12,580
Closing Costs
$2,516
Total Down
$15,096
Investment Snapshot
Purchase Price
$62,900
Money Down
$15,096
Cash-on-Cash Return
22.33%
Rent
$769
Monthly Cash Flow
$281
Annual Cash Flow
$3,371
Debt Service / Mo
$335
Property Tax / Mo
$32
Insurance / Mo
$44
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$769
Payment Standard
$1,210
Rent
$769
Insurance
$44
Property Tax
$32
Management
$77
Utilities Allowance
$441
NOI (Monthly)
$616
Debt Service
$335
Cash Flow After Debt
$281
Quality Score: 65.00%
Confidence: 93.00%
This 2-bed/1-bath 1940 bungalow shows a serviceable structure with primarily cosmetic and finish-level deficiencies. The property is likely to pass a Section 8/HCV initial inspection after modest repairs: install/verify hard-wired or battery‑backed smoke detectors and CO alarms, repair or replace loose/buckling laminate flooring to remove trip hazards, correct bathroom shower seals to prevent water intrusion, and provide required kitchen appliances (seller indicates willingness). Major systems (roof, HVAC ducts, plumbing fixtures) show no obvious catastrophic failures in photos but lack documentation and functional verification. Expect a moderate inspection risk; with the listed corrective items completed the home should be rent-ready within ~2–6 weeks.
Section 8 Payment Standard
$1,210
Utility Allowance Total
$441
Guaranteed Section 8 Rent (PS - Utilities)
$769
Property Management
$77
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$62,900
Beds
2
Baths
1
Living Area
910 sqft
Lot Size
6,534 sqft
Year Built
1940
Days on Market
193
Capital Outlay
$15,096
Debt Service
$335
Property Tax / Mo
$32
Insurance / Mo
$44
Property Description
Charming 2 Bed 1 Bath home on a quiet street. Great starter home or investment property to add to your portfolio. Spacious backyard for all your entertaining or space for your pet(s) to run and play. Seller is willing to add needed appliances to satisfy FHA Loan requirements.
Utility Allowances
Heating
$76
Property has central heating. Assumed to be electric as the water heater is electric and there is no mention of gas heating. Alabama Power is the primary electric provider for Birmingham.
Cooling
$18
Property has Central Air. Alabama Power is the primary electric provider for Birmingham.
Cooking
$17
No cooking appliances are listed as provided. Assumed tenant will use an electric range, consistent with other electric utilities. Alabama Power is the primary electric provider for Birmingham.
Water Heating
$46
Property details specify an 'Electric Water Heater'. Alabama Power is the primary electric provider for Birmingham.
Other Electric
$56
Standard allowance for lights and other electric usage. Alabama Power is the primary electric provider for Birmingham.
Water
$69
Property details specify 'Public Water'. The schedule provides a specific rate for the city of Birmingham.
Sewer
$125
Property details state 'Sewer: Connected'. The allowance is based on the fixed rate for a 2-bedroom unit.
Trash Collection
$20
Trash collection provider is not specified. 'Jefferson City' is selected as a reasonable default for a property in Birmingham, Jefferson County.
Refrigerator
$8
A refrigerator is not listed as an included appliance, so it is assumed to be tenant-supplied.
Range / Microwave
$6
A range or microwave is not listed as an included appliance, so it is assumed to be tenant-supplied.
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$409
DP3 Annual Estimate$657
DP1 Monthly Equivalent$34
DP3 Monthly Equivalent$55
Replacement Value$33,100
Basis910 sqft / 1940
Nearby Houses
Photo unavailable
3429 Maple Ave SW
sold · 0.03 mi
Price: $99,400
3 bd / 1 ba · 1,448 sqft
Latest sale: $99,400 on Mar 12, 2021
Latest rent: $930 on May 19, 2020
Photo unavailable
3521 Maple Ave SW
sold · 0.09 mi
Price: $27,000
3 bd / 1 ba
Latest sale: $27,000 on Nov 04, 2016
Latest rent: —
Photo unavailable
3420 SW Laurel Ave
sold · 0.10 mi
Price: $69,000
3 bd / 2 ba · 1,495 sqft
Latest sale: $69,000 on Jul 29, 2020
Latest rent: —
Photo unavailable
3408 Laurel Ave SW
sold · 0.10 mi
Price: $25,000
2 bd / 1 ba · 768 sqft
Latest sale: $25,000 on May 10, 2022
Latest rent: —
Photo unavailable
3417 SW Hickory Ave
sold · 0.12 mi
Price: $12,000
2 bd / 1 ba · 1,096 sqft
Latest sale: $12,000 on Apr 28, 2017
Latest rent: —
Photo unavailable
3329 Hickory Ave SW
sold · 0.13 mi
Price: $19,900
3 bd / 2 ba
Latest sale: $19,900 on Oct 14, 2016
Latest rent: —
Photo unavailable
3517 Pine Ave SW
sold · 0.13 mi
Price: $65,000
3 bd / 2 ba · 1,100 sqft
Latest sale: $65,000 on Nov 15, 2021
Latest rent: $1,695 on Jul 11, 2025
Risk and Criteria Detail
Red Flags
- success
- Loose/buckling laminate flooring creating trip hazards in multiple rooms (safety fail if not corrected).
- No visible smoke detectors or carbon monoxide alarms (required).
- Bathroom shower base/sealant shows gaps/poor sealing — risk of water intrusion and resulting hidden damage if not corrected.
- Potential lead-based paint risk due to 1940 construction (requires evaluation/abatement for units housing young children).
Assumptions
- Seller will supply required kitchen appliances (stove/refrigerator) per listing note.
- Visible HVAC grille indicates presence of a central HVAC system, but actual unit condition/operability is unknown.
- No smoke or CO alarms are installed (none visible in photos); these will be required or must be verified.
- Electrical panel condition, GFCI protection in kitchen/bath, and hot water availability were not photographed and are assumed unverified.
- No clear evidence of active roof leaks, foundation movement, or collapsed ceilings in provided photos; such issues would change the assessment if present.
- House built in 1940 — assume potential for lead-based paint until tested, per HUD/NSPIRE requirements for pre-1978 construction.
- Floor buckling is assumed to be finish/subfloor/installation related (not necessarily structural) but creates a trip hazard that must be corrected.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-08-07 | Listed | $62,900 |
Photo Gallery
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"line": "3517 Pine Ave SW",
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{
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{
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{
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"permit_effective_date": "May 6, 2010",
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}
},
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"property_id": "8189588657",
"generated_at": "2026-02-16T03:23:11.020949Z",
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"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.0
},
"utility_allowance": {
"zip_code": "35221",
"home_photo": "https://ap.rdcpix.com/2a4084a97b96c90cd69afac144672ceal-m3523680151s-w1280.jpg",
"rent_price": 769.0,
"loan_amount": 50320.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3417-Maple-Ave-SW_Birmingham_AL_35221_M81895-88657",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 62900.0,
"loan_term_years": 30,
"annual_cash_flow": 7388.51,
"mortgage_monthly": 334.78,
"payment_standard": 1210.0,
"total_amount_out": 12580.0,
"additional_photos": [
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"down_payment_rate": 0.2,
"insurance_monthly": 44.42,
"monthly_cash_flow": 615.71,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating. Assumed to be electric as the water heater is electric and there is no mention of gas heating. Alabama Power is the primary electric provider for Birmingham.",
"utility": "Heating",
"allowance": 76
},
{
"note": "Property has Central Air. Alabama Power is the primary electric provider for Birmingham.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "No cooking appliances are listed as provided. Assumed tenant will use an electric range, consistent with other electric utilities. Alabama Power is the primary electric provider for Birmingham.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "Property details specify an 'Electric Water Heater'. Alabama Power is the primary electric provider for Birmingham.",
"utility": "Water Heating",
"allowance": 46
},
{
"note": "Standard allowance for lights and other electric usage. Alabama Power is the primary electric provider for Birmingham.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Property details specify 'Public Water'. The schedule provides a specific rate for the city of Birmingham.",
"utility": "Water",
"allowance": 69
},
{
"note": "Property details state 'Sewer: Connected'. The allowance is based on the fixed rate for a 2-bedroom unit.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "Trash collection provider is not specified. 'Jefferson City' is selected as a reasonable default for a property in Birmingham, Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as an included appliance, so it is assumed to be tenant-supplied.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A range or microwave is not listed as an included appliance, so it is assumed to be tenant-supplied.",
"utility": "Range / Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.59,
"down_payment_amount": 12580.0,
"property_tax_annual": 383.69,
"property_tax_monthly": 31.97,
"property_tax_increase": 0.03,
"utility_allowance_total": 441.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": null,
"annual_cash_flow_after_debt": 3371.15,
"property_management_monthly": 76.9,
"monthly_cash_flow_after_debt": 280.93,
"cash_on_cash_return_after_debt": 0.27
},
"section8_assessment": {
"runs": [
{
"summary": "This 2-bed/1-bath 1940 bungalow shows a serviceable structure with primarily cosmetic and finish-level deficiencies. The property is likely to pass a Section 8/HCV initial inspection after modest repairs: install/verify hard-wired or battery‑backed smoke detectors and CO alarms, repair or replace loose/buckling laminate flooring to remove trip hazards, correct bathroom shower seals to prevent water intrusion, and provide required kitchen appliances (seller indicates willingness). Major systems (roof, HVAC ducts, plumbing fixtures) show no obvious catastrophic failures in photos but lack documentation and functional verification. Expect a moderate inspection risk; with the listed corrective items completed the home should be rent-ready within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior shows generally intact surfaces but clear deferred cosmetic and finish issues: multiple rooms have poorly installed/buckling laminate panels with gaps and transitions (trip hazard, will need re-install or repair), scuffed painted cabinets and trim, worn bathroom finishes and messy caulking. Kitchen cabinets and hardware are aged but serviceable. Missing major appliances are noted in listing but seller indicates willingness to add them; absence lowers readiness but is not a structural failure. Overall repairs are moderate and mostly cosmetic/capital work."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 58.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (required). Windows appear to provide bedroom egress but verification on dimensions/operability is needed. No obvious exposed wiring seen; outlets and switches present. Porch has a guard/rail but step tread/approach shows a small concrete landing that may be uneven. Bathroom/shower shows sealant gaps at base of surround (risk for water intrusion). Paint deterioration is minimal in photos but home built 1940 raises potential lead-paint risk until tested/abated for families with young children. GFCI presence in kitchen/bath not visible. Because detectors and some code items are not shown, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.0,
"rationale": "A ceiling HVAC supply/return grille is visible indicating central HVAC ducting, which suggests heating/cooling exists though no equipment or operability proof is shown. No water heater or electrical panel photos provided. Roof viewed only from front gable appears intact with no visible sagging. Plumbing fixtures appear present and functional (sink, tub, toilet) but condition of water heater and hot water supply not verified. Electrical condition beyond visible receptacles is unknown. Systems show no obvious catastrophic failure but lack verification and will require functioning tests."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior facade and porch appear painted and structurally intact; foundation/brick skirt looks sound in photos without visible major cracks. Front porch railing present. Yard is level, mowed and usable with a large backyard—good for rental occupancy. Walkway shows age and some unevenness. No standing water or obvious site drainage issues visible. Overall exterior shows minor maintenance needs only."
}
],
"red_flags": [
"Loose/buckling laminate flooring creating trip hazards in multiple rooms (safety fail if not corrected).",
"No visible smoke detectors or carbon monoxide alarms (required).",
"Bathroom shower base/sealant shows gaps/poor sealing — risk of water intrusion and resulting hidden damage if not corrected.",
"Potential lead-based paint risk due to 1940 construction (requires evaluation/abatement for units housing young children)."
],
"confidence": 0.7,
"assumptions": [
"Seller will supply required kitchen appliances (stove/refrigerator) per listing note.",
"Visible HVAC grille indicates presence of a central HVAC system, but actual unit condition/operability is unknown.",
"No smoke or CO alarms are installed (none visible in photos); these will be required or must be verified.",
"Electrical panel condition, GFCI protection in kitchen/bath, and hot water availability were not photographed and are assumed unverified.",
"No clear evidence of active roof leaks, foundation movement, or collapsed ceilings in provided photos; such issues would change the assessment if present.",
"House built in 1940 — assume potential for lead-based paint until tested, per HUD/NSPIRE requirements for pre-1978 construction.",
"Floor buckling is assumed to be finish/subfloor/installation related (not necessarily structural) but creates a trip hazard that must be corrected."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 2BR/1BA bungalow presents as a solid candidate for Section 8 (HCV) with mostly cosmetic and minor repair items. The biggest inspection risks are missing/unknown life-safety items (smoke/CO detectors and GFCI protection) and several lifted laminate floor panels that create trip hazards. Systems (HVAC, water heater, electrical panel) were not photographed and should be verified; vents suggest central HVAC is present. If the seller provides appliances and the owner/contractor installs/repairs smoke detectors, addresses GFCI needs, secures/repairs loose flooring, and verifies HVAC/water heater and electrical safety, the unit is likely to pass an initial NSPIRE/HCV inspection within ~1–4 weeks. Recommended immediate actions: install hardwired or battery smoke detectors on each level and in/near sleeping areas, confirm CO alarm requirements, repair/secure floor panels, test HVAC and water heater, and ensure GFCI protection in kitchen/bath or documented GFCI breaker protection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior is largely intact with functional fixtures visible (kitchen sink, bathroom fixtures). Cosmetic wear is present: scuffed/peeling paint on cabinets, paint drips in bathroom, and multiple laminate floor panels are lifting or have large seams — these are visible in many rooms and create trip potential. Missing major appliances (stove/fridge) are noted in photos but listing says seller willing to add appliances; missing appliances reduce score moderately. Overall defects are repair/capital items rather than catastrophic structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (required). Windows in bedrooms appear to be typical double-hung and likely provide egress but exact sizes not verified. Porch has railings, steps and handrails present, though condition and fastening not verified. No exposed wiring, visible electrical hazards or active roof leaks observed. GFCI outlets are not visible in kitchen/bath photos (possible NSPIRE issue). Bathroom and kitchen plumbing fixtures appear present and functional. The lack of visible smoke detectors/CO/GFCI items is the primary inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 62.0,
"rationale": "Ceiling supply/return vent visible indicating central HVAC ducting; presence of operational HVAC unit not shown. Plumbing fixtures (sink, toilet, tub/shower) appear installed. Water heater, electrical panel and HVAC equipment not pictured so their condition is unknown — moderate risk. Roof in exterior photo appears intact with no visible sagging or major deterioration. Given missing system verifications but no visible system failure, systems score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior envelope (siding, painted brick porch bases) appears sound in photos; roofline looks straight and attic vent present. Front porch has railing and steps; yard is open, trimmed and has a safe clear pathway. Foundation and visible masonry do not show obvious large cracks or sagging. Some wear/age visible but no major exterior structural defects seen."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in interior photos (NSPIRE safety failure if absent).",
"Multiple laminate floor panels are lifted/separated in several rooms — trip hazard and potential subfloor adhesion issues.",
"GFCI protection not visible in kitchen or bathroom (possible NSPIRE/electrical issue)."
],
"confidence": 0.65,
"assumptions": [
"Seller will supply/allow installation of a stove and refrigerator (listing states seller is willing to add appliances).",
"Central HVAC is present and operational (inferred from visible ceiling vent), though the actual unit was not photographed.",
"Water heater and main electrical panel exist and are functional unless otherwise revealed at inspection (not shown in photos).",
"Windows in bedrooms meet emergency egress size requirements typical for a 1940s bungalow — this was not measured in photos.",
"No active roof leaks or major hidden structural issues exist beyond what is visible in provided exterior photos.",
"Smoke/CO detectors and GFCI outlets are not installed or are not in compliant locations because they are not visible in the photos."
],
"overall_score": 66.0,
"rubric_version": "2026-02-hud-nspire-v1"
},
{
"summary": "This 2-bed/1-bath bungalow presents as a mostly sound, cosmetically updated property with a functional layout and good exterior appearance. Primary issues for an initial Section 8 / HCV (NSPIRE) inspection are missing/unknown smoke and CO alarms, likely missing GFCI protection in kitchen/bath, and multiple loose/lifting laminate floor panels (trip hazards). Major systems are present but not documented operationally from photos (HVAC and water heater not shown). If the seller installs appliances (as offered), adds required detectors, addresses GFCI requirements, and repairs/secures the loose flooring, the property is likely to pass an initial inspection within 2–4 weeks. As-is there are moderate inspection risks that require attention before listing for HCV tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Overall cosmetic condition is fair with recent paint and intact trim. Visible issues: multiple laminate floor panels are uneven/gapping or lifting (trip hazard and will require repair or replacement), cabinet doors and some trim show wear and poor fit, threshold strips between rooms are loose, and bathroom tub surround/caulking is rough. No obvious major structural damage visible. Listing notes seller willing to add appliances; missing stove/fridge observed but not a pass-fail issue by itself. These are mostly fixes or light capital work, so condition is moderately good but not turnkey."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide alarm visible in photos (required). GFCI protection at kitchen sink and bathroom outlets is not visible and likely absent (risk for electrical citation). No exposed wiring observed, outlets have covers, and windows appear operable for egress, but egress sizing cannot be fully confirmed. Porch has railings, steps have handrails present, and no active leaks or collapsed ceilings are visible. Because detectors/GFCI are not shown and flooring creates trip hazards, safety risk is moderate and would likely trigger inspector notes."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Visible ceiling supply vent and what appears to be a thermostat (small device visible in a room) indicate a central HVAC system likely present, but no equipment (furnace/AC unit, water heater, or electrical panel) is shown so operation is unconfirmed. Plumbing fixtures (kitchen sink, bathroom tub/shower, toilet) are present and appear serviceable though final hot-water function and drain performance are unverified. Roof and attic not shown; exterior roofline visible with no obvious sagging or missing shingles. Given the unknown operational status of major systems, score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Front porch, columns and siding look recently painted and intact. Foundation and porch masonry show no visible large cracks. Yard is spacious and appears maintained; walkway exists though shows age. No standing water, visible infestation, or severe exterior neglect in photos. Roof appears intact from front view; trees near house but not obviously hazardous. Overall exterior/site is in good condition for rental readiness."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm (required) — must be installed and located per NSPIRE",
"Likely missing GFCI protection at kitchen and bathroom outlets",
"Loose/lifting laminate flooring with large gaps — trip hazard and likely inspection deficiency",
"Major systems (HVAC, water heater, electrical panel) not documented in photos — operational status unknown and must be verified",
"Property built 1940 – potential lead-based paint risk (requires disclosure and possible testing/abatement if disturbed)"
],
"confidence": 0.7,
"assumptions": [
"No smoke or carbon monoxide detectors were visible in photos; assume none or not correctly located.",
"Central HVAC is present because ceiling supply vents and a thermostat-like device are visible; assume the system exists but its operational status is unverified.",
"Water heater and electrical panel were not shown; assume they exist but their condition and location are unknown.",
"GFCI protection near the kitchen sink and bathroom is not visible in photos; assume GFCI outlets may be absent and will need verification/upgrade.",
"Seller statement about adding appliances is valid — stove/fridge are currently not visible but can be added per listing.",
"Home was built in 1940 — assume potential for lead-based paint; no visible flaking or chipping paint in photos but historic construction increases lead risk considerations.",
"No rental history in last 5 years (per snapshot); rental_history_activity is excluded from scoring."
],
"overall_score": 66.0,
"rubric_version": "nsPIRE-analyst-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3417 Maple Ave SW, Birmingham, AL, 35221",
"aggregate": {
"summary": "This 2-bed/1-bath 1940 bungalow shows a serviceable structure with primarily cosmetic and finish-level deficiencies. The property is likely to pass a Section 8/HCV initial inspection after modest repairs: install/verify hard-wired or battery‑backed smoke detectors and CO alarms, repair or replace loose/buckling laminate flooring to remove trip hazards, correct bathroom shower seals to prevent water intrusion, and provide required kitchen appliances (seller indicates willingness). Major systems (roof, HVAC ducts, plumbing fixtures) show no obvious catastrophic failures in photos but lack documentation and functional verification. Expect a moderate inspection risk; with the listed corrective items completed the home should be rent-ready within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 66.7,
"rationale": "Interior shows generally intact surfaces but clear deferred cosmetic and finish issues: multiple rooms have poorly installed/buckling laminate panels with gaps and transitions (trip hazard, will need re-install or repair), scuffed painted cabinets and trim, worn bathroom finishes and messy caulking. Kitchen cabinets and hardware are aged but serviceable. Missing major appliances are noted in listing but seller indicates willingness to add them; absence lowers readiness but is not a structural failure. Overall repairs are moderate and mostly cosmetic/capital work."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.7,
"rationale": "Exterior facade and porch appear painted and structurally intact; foundation/brick skirt looks sound in photos without visible major cracks. Front porch railing present. Yard is level, mowed and usable with a large backyard—good for rental occupancy. Walkway shows age and some unevenness. No standing water or obvious site drainage issues visible. Overall exterior shows minor maintenance needs only."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 57.7,
"rationale": "No smoke detectors or CO alarms are visible in photos (required). Windows appear to provide bedroom egress but verification on dimensions/operability is needed. No obvious exposed wiring seen; outlets and switches present. Porch has a guard/rail but step tread/approach shows a small concrete landing that may be uneven. Bathroom/shower shows sealant gaps at base of surround (risk for water intrusion). Paint deterioration is minimal in photos but home built 1940 raises potential lead-paint risk until tested/abated for families with young children. GFCI presence in kitchen/bath not visible. Because detectors and some code items are not shown, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.7,
"rationale": "A ceiling HVAC supply/return grille is visible indicating central HVAC ducting, which suggests heating/cooling exists though no equipment or operability proof is shown. No water heater or electrical panel photos provided. Roof viewed only from front gable appears intact with no visible sagging. Plumbing fixtures appear present and functional (sink, tub, toilet) but condition of water heater and hot water supply not verified. Electrical condition beyond visible receptacles is unknown. Systems show no obvious catastrophic failure but lack verification and will require functioning tests."
}
],
"red_flags": [
"Loose/buckling laminate flooring creating trip hazards in multiple rooms (safety fail if not corrected).",
"No visible smoke detectors or carbon monoxide alarms (required).",
"Bathroom shower base/sealant shows gaps/poor sealing — risk of water intrusion and resulting hidden damage if not corrected.",
"Potential lead-based paint risk due to 1940 construction (requires evaluation/abatement for units housing young children)."
],
"confidence": 0.93,
"assumptions": [
"Seller will supply required kitchen appliances (stove/refrigerator) per listing note.",
"Visible HVAC grille indicates presence of a central HVAC system, but actual unit condition/operability is unknown.",
"No smoke or CO alarms are installed (none visible in photos); these will be required or must be verified.",
"Electrical panel condition, GFCI protection in kitchen/bath, and hot water availability were not photographed and are assumed unverified.",
"No clear evidence of active roof leaks, foundation movement, or collapsed ceilings in provided photos; such issues would change the assessment if present.",
"House built in 1940 — assume potential for lead-based paint until tested, per HUD/NSPIRE requirements for pre-1978 construction.",
"Floor buckling is assumed to be finish/subfloor/installation related (not necessarily structural) but creates a trip hazard that must be corrected."
],
"score_method": "mean_of_criteria",
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8189588657"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.