Property ID: 8190981651
5304 Karen Dr, Marrero, LA, 70072
Marrero, LA
Money Down: $30,000
CoC Return: 26.98%
Monthly Cash Flow: $675
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,000
Closing Costs
$5,000
Total Down
$30,000
Investment Snapshot
Purchase Price
$125,000
Money Down
$30,000
Cash-on-Cash Return
26.98%
Rent
$1,696
Monthly Cash Flow
$675
Annual Cash Flow
$8,094
Debt Service / Mo
$665
Property Tax / Mo
$109
Insurance / Mo
$78
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$78
Property Tax
$109
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,340
Debt Service
$665
Cash Flow After Debt
$675
Quality Score: 36.70%
Confidence: 88.00%
Significant renovation required before Section 8/HCV move-in. Exterior shell, roof and site are in generally acceptable condition and listing states a new HVAC and newer roof, but the interior has been gutted to the studs — meaning major interior finishes, electrical, plumbing fixtures, smoke/CO detectors and safety features are likely missing. As-is the property would not pass an initial NSPIRE inspection; after full interior rebuild (drywall, flooring, complete electrical and plumbing, installed appliances, detectors and final finishes) it could be rent-ready.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$125,000
Beds
3
Baths
1
Living Area
1,000 sqft
Lot Size
5,401 sqft
Year Built
1966
Days on Market
15
Capital Outlay
$30,000
Debt Service
$665
Property Tax / Mo
$109
Insurance / Mo
$78
Property Description
Investor special in Marrero! This 3-bedroom, 1-bath brick home has been fully gutted to the studs-offering a true blank slate for your next project. <br><br> Major updates already in place include a newer roof and new HVAC system. The property features a covered patio and a large driveway, adding to its potential value and functionality. Perfect opportunity for a flip, rental, or custom renovation. <br><br> Bring your vision and make it your own! Measurements approximate.<br><br>
Utility Allowances
cooking
$12
Property info explicitly states 'Gas: Natural', so the 'natural_gas' option was selected.
heating
$70
The property has central heating and the property info states 'Gas: Natural'.
other_electric
$67
A standard allowance for general electricity use (lights, outlets, etc.) for a home of this size.
sewer
$46
Property info explicitly states 'Sewer: City'.
trash_collection
$25
Trash collection is a standard municipal service for a single-family residence and is assumed to be the tenant's responsibility.
water
$43
Property info explicitly states 'Water Source: Public'.
water_heating
$24
Property has Natural Gas available, which is the most common and cost-effective fuel for water heating. This aligns with the chosen heating and cooking fuel.
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$935
DP3 Annual Estimate$935
DP1 Monthly Equivalent$78
DP3 Monthly Equivalent$78
Replacement Value$77,100
Basis1,000 sqft / 1966
Nearby Houses
Photo unavailable
5212 Eden Roc Dr
for_sale · 0.20 mi
Price: $259,000
3 bd / 2 ba · 1,373 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2005 Manor Heights Dr
for_sale · 0.21 mi
Price: $140,000
3 bd / 1 ba · 1,100 sqft
Latest sale: —
Latest rent: —
Photo unavailable
5213 Eden Roc Dr
for_sale · 0.23 mi
Price: $255,000
3 bd / 2 ba · 1,710 sqft
Latest sale: —
Latest rent: —
Photo unavailable
5505 Sabine Dr
sold · 0.27 mi
Price: $175,000
3 bd / 2 ba · 1,507 sqft
Latest sale: —
Latest rent: —
Photo unavailable
5525 Wabash Dr
for_sale · 0.27 mi
Price: $215,000
4 bd / 3 ba · 1,861 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Interior gutted to studs — no finished walls, floors, or installed kitchen/bath fixtures (major rehab required).
- High likelihood of exposed/open electrical wiring or incomplete circuits during gut renovation (electrical hazard / inspection-fail until remediated).
- No visible smoke or carbon monoxide detectors and likely not installed (inspection-fail).
- Plumbing fixtures and hot water availability unknown — likely missing (inspection-fail until installed).
- Front entry door shows surface damage and lock/deadbolt status is unknown (security/access concern).
Assumptions
- Listing text 'fully gutted to the studs' is taken as accurate — interior finishes (drywall, trims, cabinets, kitchen, bath fixtures) are absent or removed.
- Newer roof and new HVAC claims are accurate though only roof condition is visually supported; HVAC equipment is assumed present but unverified by photos.
- Electrical panel, water heater and plumbing rough-in likely remain but finished fixtures (toilets, sinks, shower/tub) are missing; hot water availability is unknown.
- No interior photos were provided; all interior safety features (smoke/CO detectors, GFCI receptacles, finished stairs/handrails) are assumed absent or incomplete until installed.
- Exterior photos show no visible structural sagging or major foundation displacement; foundation is assumed stable based on visible perimeter.
- No evidence of active roof leaks or collapsed ceilings seen from exterior, though some discoloration under carport suggests minor localized moisture or historic staining.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,266 | $96,200 | $9,620 |
| 2024 | $1,262 | $96,200 | $9,620 |
| 2023 | $1,261 | $92,000 | $9,200 |
| 2022 | $1,231 | $92,000 | $9,200 |
| 2021 | $1,163 | $92,000 | $9,200 |
| 2020 | $1,138 | $92,000 | $9,200 |
| 2019 | $1,195 | $92,000 | $9,200 |
| 2018 | $1,121 | $92,000 | $9,200 |
| 2017 | $1,078 | $92,000 | $9,200 |
| 2016 | $1,057 | $92,000 | $9,200 |
| 2015 | $554 | $47,400 | $4,740 |
| 2014 | $548 | $47,400 | $4,740 |
| 2013 | $545 | $47,400 | $4,740 |
| 2010 | $509 | $47,400 | $4,740 |
| 2009 | $508 | $47,400 | $4,740 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-24 | Listed | $125,000 |
| 2015-12-23 | Sold | $0 |
Photo Gallery
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{
"summary": "Significant renovation required before Section 8/HCV move-in. Exterior shell, roof and site are in generally acceptable condition and listing states a new HVAC and newer roof, but the interior has been gutted to the studs — meaning major interior finishes, electrical, plumbing fixtures, smoke/CO detectors and safety features are likely missing. As-is the property would not pass an initial NSPIRE inspection; after full interior rebuild (drywall, flooring, complete electrical and plumbing, installed appliances, detectors and final finishes) it could be rent-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 25.0,
"rationale": "Listing states the interior has been 'fully gutted to the studs' which indicates missing drywall, flooring, cabinets, bathroom/kitchen fixtures and finishes — major interior work required before occupancy. Exterior brick shell and driveway/carport are intact, and the front door, windows and concrete walks are present though the door shows surface damage. Missing appliances and interior finishes are significant but are capital/finish issues rather than immediate structural collapse. Because the gutting means a full interior rebuild is needed, score is low (major work)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 20.0,
"rationale": "High inspection risk. A gutted interior usually lacks required smoke detectors, thermal barriers, finished egress paths, GFCI-protected outlets, and may have exposed wiring and open electrical boxes during renovation. Exterior photos show no visible smoke/CO detectors, front door has wear (lock/deadbolt status unknown). No visible severe structural sagging or roof failure, but interior conditions likely do not meet NSPIRE safety requirements until rebuilt and final electrical/plumbing work completed. These are inspection-fail items until corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 45.0,
"rationale": "Listing claims a newer roof and new HVAC system — exterior roof looks serviceable in photos which reduces risk for immediate roof replacement. HVAC presence claimed but not visually confirmed; if installed and operational that is positive. However, because the interior is gutted, plumbing fixtures and likely parts of the electrical system may be incomplete; water heater and panel condition are unknown. Given mixed evidence (new roof/HVAC claim vs gutted interior), score is mid-range reflecting partial system readiness but likely remaining mechanical work necessary."
},
{
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"label": "Exterior envelope, yard and site condition",
"score": 70.0,
"rationale": "Exterior shell appears in generally good condition: brick walls look intact, roof appears recently replaced and flat-to-low-slope condition is ok in photos, concrete driveway and carport are serviceable, yard is fenced and usable. Some peeling paint at eaves and vegetation overgrowth at fence/carport require maintenance. No obvious major foundation cracks, standing water, or collapsed exterior elements visible. Overall exterior/site is in good, rentable condition relative to interior status."
}
],
"red_flags": [
"Interior gutted to studs — no finished walls, floors, or installed kitchen/bath fixtures (major rehab required).",
"High likelihood of exposed/open electrical wiring or incomplete circuits during gut renovation (electrical hazard / inspection-fail until remediated).",
"No visible smoke or carbon monoxide detectors and likely not installed (inspection-fail).",
"Plumbing fixtures and hot water availability unknown — likely missing (inspection-fail until installed).",
"Front entry door shows surface damage and lock/deadbolt status is unknown (security/access concern)."
],
"confidence": 0.65,
"assumptions": [
"Listing text 'fully gutted to the studs' is taken as accurate — interior finishes (drywall, trims, cabinets, kitchen, bath fixtures) are absent or removed.",
"Newer roof and new HVAC claims are accurate though only roof condition is visually supported; HVAC equipment is assumed present but unverified by photos.",
"Electrical panel, water heater and plumbing rough-in likely remain but finished fixtures (toilets, sinks, shower/tub) are missing; hot water availability is unknown.",
"No interior photos were provided; all interior safety features (smoke/CO detectors, GFCI receptacles, finished stairs/handrails) are assumed absent or incomplete until installed.",
"Exterior photos show no visible structural sagging or major foundation displacement; foundation is assumed stable based on visible perimeter.",
"No evidence of active roof leaks or collapsed ceilings seen from exterior, though some discoloration under carport suggests minor localized moisture or historic staining."
],
"overall_score": 36.0,
"rubric_version": "ns_prep_v1.0"
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{
"summary": "Significant rehabilitation required. Exterior shell, roof and HVAC are favorable, but the property has been gutted to studs and therefore lacks finished living spaces, likely missing bathroom/kitchen fixtures, finished electrical/plumbing, and required safety devices (smoke/CO detectors). As-is this would not pass an initial HCV/NSPIRE inspection. With a full interior build-out (drywall, fixtures, completed electrical and plumbing, installed detectors and appliances), the property could be rent-ready. Estimated category: 21-40 (significant repairs needed).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 25.0,
"rationale": "Listing explicitly states the home has been 'fully gutted to the studs.' Photos show a sound exterior shell but the interior condition (drywall, flooring, cabinets, fixtures) is absent per listing. Missing interior finishes, likely missing kitchen and bathroom fixtures, interior doors, trim, and electrical/plumbing finishes constitute major repair work before tenant-ready. Exterior cosmetic issues include a worn storm door, peeling paint on carport ceiling and some vegetation encroachment. Missing appliances reduce readiness but are secondary to the lack of finished living spaces."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 25.0,
"rationale": "Exterior shows no visible collapsed structure, and the roof appears new; however the house being gutted implies exposed studs, likely unfinished electrical and plumbing, and absence of installed smoke/CO detectors and finished egress elements. No interior photos or indications of installed detectors or operational bathroom/kitchen fixtures. Carport gate/latch and some peeling carport ceiling paint are minor hazards. Due to interior gutting, multiple NSPIRE safety items (smoke detectors, functional plumbing, covered outlets, GFCI in kitchen/bath, finished egress) are probably non-compliant until rehabs are completed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 50.0,
"rationale": "Listing notes 'newer roof' and 'new HVAC system' — both positive indicators and visible roof appears in good shape. Photos show utility meter/connection present. Because the interior is gutted, finish-level system work (hookups, fixtures, water heater access, electrical receptacles, GFCIs, circuit labeling) may be incomplete. No visible evidence of active leaks, sagging roof, or damaged foundation in exterior photos. Given the stated recent system updates but probable incomplete interior hookups, moderate score assigned."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick exterior and foundation appear intact with no obvious major cracking or structural movement. Driveway and carport are serviceable; large driveway and covered patio present. Chain-link fencing and gate are functional though somewhat rusty; yard is overgrown in spots but generally usable. Some cosmetic wear and vegetation near the roofline may need trimming. Overall exterior/site condition is fair-good and presents minimal barrier to initial inspection once interior is completed."
}
],
"red_flags": [
"Interior fully gutted to studs — no finished kitchen or bathroom (inspection-fail until rebuilt).",
"Likely missing/absent smoke and carbon monoxide detectors and finished egress protections.",
"Probable exposed electrical and plumbing rough-ins due to gut; electrical/plumbing likely incomplete.",
"Carport ceiling shows peeling/staining and fence/gate show corrosion — minor safety concerns that should be repaired.",
"No rental history in last 5 years (rental_history_last_5y missing) — no recent proof of successful tenancy or prior HCV passes."
],
"confidence": 0.6,
"assumptions": [
"The listing statement 'fully gutted to the studs' is accurate and interior finishes (drywall, flooring, cabinets, bathroom/kitchen fixtures) are currently absent.",
"Newer roof and new HVAC stated in listing are installed and functionally intact, though interior HVAC terminations and controls may or may not be fully completed.",
"Water heater, plumbing fixtures, and kitchen appliances are not present or not operational due to interior gut; plumbing rough-ins likely exist behind studs.",
"No smoke or carbon monoxide detectors are installed (not visible in photos and unlikely in a gutted interior).",
"Electrical service and panel exist (meter seen), but interior branch circuits, outlets, GFCIs and covers may be incomplete or exposed until finish work is done.",
"Photos show no obvious structural sagging, major foundation movement, or active roof leaks from exterior view."
],
"overall_score": 40.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This property is not turnkey for Section 8 tenancy. The exterior and major mechanical updates (new roof and HVAC) are positives, but the listing’s statement that the interior has been fully gutted to the studs means it is missing critical interior finishes and likely missing required fixtures and safety devices. As-is it would almost certainly fail an initial NSPIRE/HQS inspection due to lack of finished walls, likely missing plumbing fixtures, and absence of installed smoke/CO detectors and egress verification. Substantial interior reconstruction (drywall, flooring, kitchen and bath installations, electrical/plumbing hookups and safety devices) is required before it can pass and be rented under Section 8.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 15.0,
"rationale": "Listing states the interior was \"fully gutted to the studs.\" Exterior photos show intact brick shell, but interior finish items (drywall, flooring, kitchen, bathroom fixtures, cabinetry, interior doors, trim) are almost certainly missing. Front door screen is damaged and there is staining at the entry. Driveway and carport show surface cracks and wear. A property gutted to studs requires extensive interior reconstruction (drywall, finishes, fixtures, trim, painting) — major rehab required prior to tenancy."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 20.0,
"rationale": "High inspection risk. A gut-to-studs condition typically means missing required safety items: smoke detectors, finished walls concealing wiring, functional plumbing fixtures, and possibly water heater. Exterior photos show no obvious life‑threatening hazards outside (no collapsed structures), but interior life-safety items cannot be confirmed and are likely absent. Visible carport ceiling has peeling/staining (possible prior moisture). Presence of overhead utility lines is normal for the site. Given likely missing interior systems and exposed structural elements, this would fail an initial NSPIRE/HQS inspection until interior life-safety items and egress/egress windows and detectors are installed and verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Roof, Electrical, Plumbing)",
"score": 50.0,
"rationale": "Listing explicitly notes a newer roof and a new HVAC system — significant positives that reduce long-term structural/mechanical risk and are visible/credible relative to typical investor listings. However, the interior gut raises uncertainty about the condition or presence of other required systems: water heater, functioning plumbing fixtures, and intact electrical panel/outlets. With roof and HVAC updated but plumbing and electrical unknown and interior likely opened for rework, systems score is moderate (repair/installation of plumbing, connections and electrical inspections expected)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior brick walls appear intact and foundation perimeter visible with no obvious large settlement or major cracks in photos. Yard is enclosed, of reasonable size, and the carport/covered patio is serviceable though the carport ceiling shows peeling/staining and metal supports show surface rust. Chain-link gate and perimeter fence show age and some leaning; some debris/overgrowth in backyard and a leaning fence section visible. Driveway has surface cracking. These are mostly minor-to-moderate repairs and do not preclude passing exterior inspection once cleaned/repaired."
}
],
"red_flags": [
"Interior gutted to studs — exposed studs/subfloor and likely missing/unfinished interior surfaces (exposed wiring risk).",
"Likely missing or nonoperational plumbing fixtures (kitchen/bath), a fail for initial HCV inspection.",
"Likely absence of required smoke detectors/CO alarms and finished egress elements inside unit.",
"Carport ceiling staining/peeling indicates prior moisture intrusion that should be investigated."
],
"confidence": 0.55,
"assumptions": [
"Interior was gutted to studs as described — interior finish items (drywall, flooring, cabinetry, kitchen appliances, bathroom fixtures, trim) are currently missing or incomplete.",
"New HVAC and newer roof statements are accurate; HVAC is installed but interior ducting/thermostat and final testing may be required.",
"Water heater, kitchen sink, bathroom fixtures and smoke/CO detectors are not present or not operational until interior rebuild is completed.",
"No interior photos provided; conclusions about interior systems and presence of electrical panel, hot water, and smoke detectors are best‑effort inferences based on 'gutted to studs' description.",
"Exterior photos represent current site condition; no evidence of major foundation movement or collapsed structure visible in provided images."
],
"overall_score": 34.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5304 Karen Dr, Marrero, LA, 70072",
"aggregate": {
"summary": "Significant renovation required before Section 8/HCV move-in. Exterior shell, roof and site are in generally acceptable condition and listing states a new HVAC and newer roof, but the interior has been gutted to the studs — meaning major interior finishes, electrical, plumbing fixtures, smoke/CO detectors and safety features are likely missing. As-is the property would not pass an initial NSPIRE inspection; after full interior rebuild (drywall, flooring, complete electrical and plumbing, installed appliances, detectors and final finishes) it could be rent-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 21.7,
"rationale": "Listing states the interior has been 'fully gutted to the studs' which indicates missing drywall, flooring, cabinets, bathroom/kitchen fixtures and finishes — major interior work required before occupancy. Exterior brick shell and driveway/carport are intact, and the front door, windows and concrete walks are present though the door shows surface damage. Missing appliances and interior finishes are significant but are capital/finish issues rather than immediate structural collapse. Because the gutting means a full interior rebuild is needed, score is low (major work)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 71.7,
"rationale": "Exterior shell appears in generally good condition: brick walls look intact, roof appears recently replaced and flat-to-low-slope condition is ok in photos, concrete driveway and carport are serviceable, yard is fenced and usable. Some peeling paint at eaves and vegetation overgrowth at fence/carport require maintenance. No obvious major foundation cracks, standing water, or collapsed exterior elements visible. Overall exterior/site is in good, rentable condition relative to interior status."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 21.7,
"rationale": "High inspection risk. A gutted interior usually lacks required smoke detectors, thermal barriers, finished egress paths, GFCI-protected outlets, and may have exposed wiring and open electrical boxes during renovation. Exterior photos show no visible smoke/CO detectors, front door has wear (lock/deadbolt status unknown). No visible severe structural sagging or roof failure, but interior conditions likely do not meet NSPIRE safety requirements until rebuilt and final electrical/plumbing work completed. These are inspection-fail items until corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 48.3,
"rationale": "Listing claims a newer roof and new HVAC system — exterior roof looks serviceable in photos which reduces risk for immediate roof replacement. HVAC presence claimed but not visually confirmed; if installed and operational that is positive. However, because the interior is gutted, plumbing fixtures and likely parts of the electrical system may be incomplete; water heater and panel condition are unknown. Given mixed evidence (new roof/HVAC claim vs gutted interior), score is mid-range reflecting partial system readiness but likely remaining mechanical work necessary."
}
],
"red_flags": [
"Interior gutted to studs — no finished walls, floors, or installed kitchen/bath fixtures (major rehab required).",
"High likelihood of exposed/open electrical wiring or incomplete circuits during gut renovation (electrical hazard / inspection-fail until remediated).",
"No visible smoke or carbon monoxide detectors and likely not installed (inspection-fail).",
"Plumbing fixtures and hot water availability unknown — likely missing (inspection-fail until installed).",
"Front entry door shows surface damage and lock/deadbolt status is unknown (security/access concern)."
],
"confidence": 0.88,
"assumptions": [
"Listing text 'fully gutted to the studs' is taken as accurate — interior finishes (drywall, trims, cabinets, kitchen, bath fixtures) are absent or removed.",
"Newer roof and new HVAC claims are accurate though only roof condition is visually supported; HVAC equipment is assumed present but unverified by photos.",
"Electrical panel, water heater and plumbing rough-in likely remain but finished fixtures (toilets, sinks, shower/tub) are missing; hot water availability is unknown.",
"No interior photos were provided; all interior safety features (smoke/CO detectors, GFCI receptacles, finished stairs/handrails) are assumed absent or incomplete until installed.",
"Exterior photos show no visible structural sagging or major foundation displacement; foundation is assumed stable based on visible perimeter.",
"No evidence of active roof leaks or collapsed ceilings seen from exterior, though some discoloration under carport suggests minor localized moisture or historic staining."
],
"score_method": "mean_of_criteria",
"overall_score": 36.7,
"rubric_version": "ns_prep_v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8190981651"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.