Property ID: 8197265074
1053 Fairfax Dr, Terrytown, LA, 70056
Terrytown, LA
Money Down: $50,400
CoC Return: 0.86%
Monthly Cash Flow: $36
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$42,000
Closing Costs
$8,400
Total Down
$50,400
Investment Snapshot
Purchase Price
$210,000
Money Down
$50,400
Cash-on-Cash Return
0.86%
Rent
$1,656
Monthly Cash Flow
$36
Annual Cash Flow
$432
Debt Service / Mo
$1,118
Property Tax / Mo
$214
Insurance / Mo
$123
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,656
Payment Standard
$1,983
Rent
$1,656
Insurance
$123
Property Tax
$214
Management
$166
Utilities Allowance
$327
NOI (Monthly)
$1,154
Debt Service
$1,118
Cash Flow After Debt
$36
Quality Score: 68.20%
Confidence: 84.00%
This 1991 single-family house presents as broadly serviceable with mostly cosmetic deferred maintenance. The interior flooring and finishes are in decent condition and there are no visible structural failures in the provided photos. Main inspection risks are moderate: missing or unverified GFCI and CO alarms, unverified HVAC and water heater operation, cabinet/vanity repairs, and driveway cracking. With targeted repairs (install GFCI outlets where required, install/verify CO detectors, replace/secure missing cabinet/vanity panels, provide stove and refrigerator, address driveway trip hazard, verify HVAC/water heater and electrical panel), the property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within ~30 days.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$327
Guaranteed Section 8 Rent (PS - Utilities)
$1,656
Property Management
$166
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$210,000
Beds
3
Baths
2
Living Area
1,580 sqft
Lot Size
—
Year Built
1991
Days on Market
61
Capital Outlay
$50,400
Debt Service
$1,118
Property Tax / Mo
$214
Insurance / Mo
$123
Property Description
House on a corner lot featuring high ceilings in the Kitchen, Living Room and Dining Room and a very spacious 2 car garage, Large back yard with rear yard access. X ZONE. Selling As Is. Needs TLC
Utility Allowances
heating
$78
Selected 'electric_heat_pump' for a 3-bedroom unit. The property has central heating, but the fuel type is not specified. Electric Heat Pump was chosen as a common, more expensive option over natural gas, per instructions.
cooking
$17
Selected 'electric' for a 3-bedroom unit. The cooking fuel type is not specified. Electric was chosen as it is more expensive than natural gas, per instructions.
water_heating
$51
Selected 'electric' for a 3-bedroom unit. The water heating fuel is not specified. Electric was chosen as it is more expensive than natural gas, per instructions.
other_electric
$67
Selected the fixed allowance for a 3-bedroom unit. This covers general electricity for lights, appliances, and central air conditioning.
water
$43
Selected the fixed allowance for a 3-bedroom unit. The property is listed with a public water source.
sewer
$46
Selected the fixed allowance for a 3-bedroom unit. The property is listed as being on city sewer.
trash_collection
$25
Selected the fixed allowance for a 3-bedroom unit. This is a standard utility for a single-family home.
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$1,477
DP3 Annual Estimate$1,477
DP1 Monthly Equivalent$123
DP3 Monthly Equivalent$123
Replacement Value$165,100
Basis1,580 sqft / 1991
Nearby Houses
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953 E Monterey Ct
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953 E Monterey Ct
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Price: $625,000
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2904 S Monterey Ct Apt B
off_market · 0.27 mi
Price: $1,350
3 bd / 2 ba · 1,300 sqft
Latest sale: —
Latest rent: $1,350 on Oct 20, 2025
Photo unavailable
2904 S Monterey Ct Apt A
off_market · 0.27 mi
Price: $1,350
3 bd / 2 ba · 1,300 sqft
Latest sale: —
Latest rent: $1,350 on Oct 20, 2025
Photo unavailable
2845 Westside Dr
sold · 0.27 mi
Price: $42,000
— bd / — ba
Latest sale: — on Jun 18, 2021
Latest rent: $3,000 on Oct 04, 2024
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos are representative of entire unit; no hidden major damage exists beyond photos.
- No stove or refrigerator are included (only a microwave shown); missing appliances will need to be provided prior to move‑in.
- HVAC and water heater are present (supply/registers visible) but their operational status is unknown and must be verified.
- Electrical panel is intact and meets code but was not photographed; no exposed wiring visible in photos.
- Smoke alarm seen in living area is functional; additional smoke alarms and CO alarm may be required per local code and should be installed/verified.
- No active roof leaks or major foundation movement are present (roof and foundation appear visually stable in photos).
- Listing 'As Is / Needs TLC' indicates there may be minor hidden issues but no evidence of severe mold, fire damage, or collapsed structure in images.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,489 | $187,100 | $18,710 |
| 2024 | $2,482 | $187,100 | $18,710 |
| 2023 | $2,445 | $187,100 | $18,710 |
| 2022 | $2,384 | $187,100 | $18,710 |
| 2021 | $1,484 | $123,600 | $12,360 |
| 2020 | $1,473 | $123,600 | $12,360 |
| 2019 | $1,703 | $123,600 | $12,360 |
| 2018 | $1,412 | $123,600 | $12,360 |
| 2017 | $1,353 | $123,600 | $12,360 |
| 2016 | $1,326 | $123,600 | $12,360 |
| 2015 | $1,358 | $123,600 | $12,360 |
| 2014 | $1,342 | $123,600 | $12,360 |
| 2013 | $1,296 | $123,600 | $12,360 |
| 2012 | $509 | $123,600 | $12,360 |
| 2011 | $522 | $124,700 | $12,470 |
| 2010 | $1,277 | $124,700 | $12,470 |
| 2009 | $1,277 | $124,700 | $12,470 |
| 2008 | $504 | — | $12,470 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-09 | Price Changed | $210,000 |
| 2026-03-05 | Price Changed | $215,000 |
| 2026-03-03 | Price Changed for rent | $1,900 |
| 2026-03-01 | Price Changed | $220,000 |
| 2026-02-23 | Listed for rent | $1,950 |
| 2026-02-12 | Price Changed | $225,000 |
| 2026-02-07 | Listed | $229,000 |
| 2021-08-06 | Sold | $0 |
| 2021-08-05 | Listing removed | $0 |
| 1990-09-01 | Sold | $0 |
Photo Gallery
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"additional_photos": [
"https://ap.rdcpix.com/25f830da6e9087dc3f05aec766463ca1l-m1864970559s-w1280.jpg",
"https://ap.rdcpix.com/25f830da6e9087dc3f05aec766463ca1l-m3930799483s-w1280.jpg",
"https://ap.rdcpix.com/25f830da6e9087dc3f05aec766463ca1l-m977022916s-w1280.jpg",
"https://ap.rdcpix.com/25f830da6e9087dc3f05aec766463ca1l-m2576913304s-w1280.jpg",
"https://ap.rdcpix.com/25f830da6e9087dc3f05aec766463ca1l-m2652352280s-w1280.jpg",
"https://ap.rdcpix.com/25f830da6e9087dc3f05aec766463ca1l-m1616384731s-w1280.jpg",
"https://ap.rdcpix.com/25f830da6e9087dc3f05aec766463ca1l-m3744775656s-w1280.jpg",
"https://ap.rdcpix.com/25f830da6e9087dc3f05aec766463ca1l-m4116858991s-w1280.jpg",
"https://ap.rdcpix.com/25f830da6e9087dc3f05aec766463ca1l-m3244640568s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 123.08,
"monthly_cash_flow": 1153.68,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'electric_heat_pump' for a 3-bedroom unit. The property has central heating, but the fuel type is not specified. Electric Heat Pump was chosen as a common, more expensive option over natural gas, per instructions.",
"utility": "heating",
"allowance": 78
},
{
"note": "Selected 'electric' for a 3-bedroom unit. The cooking fuel type is not specified. Electric was chosen as it is more expensive than natural gas, per instructions.",
"utility": "cooking",
"allowance": 17
},
{
"note": "Selected 'electric' for a 3-bedroom unit. The water heating fuel is not specified. Electric was chosen as it is more expensive than natural gas, per instructions.",
"utility": "water_heating",
"allowance": 51
},
{
"note": "Selected the fixed allowance for a 3-bedroom unit. This covers general electricity for lights, appliances, and central air conditioning.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "Selected the fixed allowance for a 3-bedroom unit. The property is listed with a public water source.",
"utility": "water",
"allowance": 43
},
{
"note": "Selected the fixed allowance for a 3-bedroom unit. The property is listed as being on city sewer.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Selected the fixed allowance for a 3-bedroom unit. This is a standard utility for a single-family home.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.33,
"down_payment_amount": 42000.0,
"property_tax_annual": 2563.67,
"property_tax_monthly": 213.64,
"property_tax_increase": 0.03,
"utility_allowance_total": 327.0,
"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": 431.63,
"property_management_monthly": 165.6,
"monthly_cash_flow_after_debt": 35.97,
"cash_on_cash_return_after_debt": 0.01
},
"section8_assessment": {
"runs": [
{
"summary": "This 1991 single-family house presents as broadly serviceable with mostly cosmetic deferred maintenance. The interior flooring and finishes are in decent condition and there are no visible structural failures in the provided photos. Main inspection risks are moderate: missing or unverified GFCI and CO alarms, unverified HVAC and water heater operation, cabinet/vanity repairs, and driveway cracking. With targeted repairs (install GFCI outlets where required, install/verify CO detectors, replace/secure missing cabinet/vanity panels, provide stove and refrigerator, address driveway trip hazard, verify HVAC/water heater and electrical panel), the property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior is largely cosmetically intact: laminate plank flooring looks recently installed and in good condition, walls/ceilings painted, bathrooms and kitchen serviceable. Visible deferred items: kitchen cabinet wear and missing kickplate under sink (possible past water intrusion), vanity cabinet with missing door/exposed plumbing, scuffed baseboards, and some trim damage at the kitchen peninsula. No stove or refrigerator visible in photos (microwave on counter only) — missing appliances reduce readiness but are not an automatic fail. Overall repairs are cosmetic/minor carpentry and cabinetry work plus appliance provisioning."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Detected: at least one smoke detector mounted in main living area (visible). No visible exposed wiring, no obvious ceiling/floor collapse, and interior egress windows appear present in bedrooms. Concerns: no carbon monoxide alarm visible (may be required depending on local code/fuel sources), GFCI-protected receptacles are not evident in the kitchen or bathrooms from photos, and the driveway has a significant crack (trip hazard). Entry door deadbolt and electrical panel condition not visible. Bathrooms and tubs appear intact; no visible mold or active water intrusion in photos. These uncertainties create moderate NSPIRE risk until checked and remediated."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Visible HVAC floor/ceiling registers suggest a central system is present; however no furnace/AC unit or water heater is shown and operational status is unknown. Roof appears aged but intact from exterior photos (no visible sagging or active leaks), gutters present. Kitchen sink and bathroom plumbing fixtures visible and appear functional, though the missing cabinet door under sink suggests prior work or minor repair need. Given photos only, treat mechanicals as unknown-to-fair — likely service/verification required (service HVAC, verify water heater, test electrical and plumbing)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brick/siding looks intact; two-car garage and fence to rear visible. Roofline appears straight with no visible collapsed areas. Noted issues: concrete driveway has several long cracks (cosmetic and minor trip hazard), large mature trees close to structure (potential for root/foundation concerns though none visible), and minor paint wear/soffit aging at garage area. Property sits on a corner lot with rear yard access; listing notes X flood zone (minimal flood risk). Overall exterior condition is good with routine maintenance recommended."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Photos are representative of entire unit; no hidden major damage exists beyond photos.",
"No stove or refrigerator are included (only a microwave shown); missing appliances will need to be provided prior to move‑in.",
"HVAC and water heater are present (supply/registers visible) but their operational status is unknown and must be verified.",
"Electrical panel is intact and meets code but was not photographed; no exposed wiring visible in photos.",
"Smoke alarm seen in living area is functional; additional smoke alarms and CO alarm may be required per local code and should be installed/verified.",
"No active roof leaks or major foundation movement are present (roof and foundation appear visually stable in photos).",
"Listing 'As Is / Needs TLC' indicates there may be minor hidden issues but no evidence of severe mold, fire damage, or collapsed structure in images."
],
"overall_score": 64.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "This single-family property is in generally serviceable condition with mostly cosmetic deferred maintenance. It appears likely to pass an initial HCV/NSPIRE inspection after addressing a short checklist: confirm/repair missing/loose cabinet doors and trim, install/verify smoke detectors in required locations and a carbon monoxide alarm, confirm GFCI protection in kitchen/bath, verify operation of HVAC and hot water systems, and replace/confirm major appliances if required by the program. No severe structural or life‑threatening hazards are visible in provided photos; primary work is verification and minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior is broadly intact and cosmetically updated (laminate floors, fresh paint). Visible minor deferred maintenance: cabinet damage (missing/loose cabinet door and base in kitchen and bath), scuffed baseboards and trim, damaged kickplate at kitchen peninsula, and some exterior paint/chip at garage base. No visible collapsed ceilings, major water stains, or exposed subfloor. No stove or refrigerator shown (missing appliances reduce score moderately). These are primarily easy-to-fix cosmetic or cabinet/appliance repairs; overall readyable with light-to-moderate TLC."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "One smoke detector is visible in the living area which indicates detectors are present, but additional detectors (bedrooms/hall) aren't visible in photos and should be confirmed/installed. No carbon monoxide alarm is visible; with an attached 2-car garage and unknown fuel appliances, a CO alarm is likely required. No obvious exposed wiring, missing guardrails, severe roof leaks, or collapsed elements in photos. GFCI protection near kitchen sink is not clearly visible (outlets pictured appear standard). Bedroom egress windows appear adequate. Plumbing fixtures and toilets are present. Overall there are some NSPIRE compliance items to verify/upgrade (CO alarm, additional smoke detectors, GFCI installation) but no visible life‑threatening hazards."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "HVAC supply registers are visible in living areas indicating central HVAC likely present, but the heat/cooling equipment and water heater are not shown; their operability is unconfirmed. Electrical panel is not visible. Roof shingles appear aged but no obvious sagging or active leaks are seen in exterior photos. Plumbing fixtures in bathrooms and kitchen appear intact; water damage is not apparent. Given age (1991) and 'Selling As Is/Needs TLC' listing, expect some system service and verification (AC, furnace, water heater, electrical) — moderate risk until equipment operation is confirmed."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior brick/siding appears generally sound. Corner lot with large rear yard and fence provides good tenant amenities and rear access. Driveway has visible cracking but is serviceable; a large tree near the foundation should be noted for potential root/soil effects (no visible foundation cracks in photos). Garage doors present and appear functional. Some minor paint peeling and trim deterioration at garage base. Yard and walkways are free of visible standing water or major trip hazards."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists (supply registers visible) but the system condition and age are unknown; assume service may be needed.",
"Water heater and electrical panel are present but not shown; assume operational status is unverified.",
"Smoke detector visible in living area; assume detectors may be missing in bedrooms/hallways and should be installed to meet NSPIRE.",
"No full kitchen appliances (stove/refrigerator) are pictured; assume they are not present and would be landlord-provided or need replacement.",
"No visible active roof leaks, major foundation cracks, or mold in photos; assume none severe enough to be obvious in listing images.",
"Attached garage creates a likely CO alarm requirement (unless all appliances are electric)."
],
"overall_score": 69.0,
"rubric_version": "ns-pulse-2026-1.0"
},
{
"summary": "This 3-bed, 2-bath 1991 single-family home appears largely structurally sound and would most likely pass an initial HCV/NSPIRE inspection after addressing a handful of minor items. Visible issues are primarily cosmetic and capital-repair items (cabinet/trim repairs, baseboards, driveway crack repair, minor drywall touch-ups). Primary inspection risks are verification items that are not visible in listing photos: working central HVAC, functioning hot water, presence/operation of CO detector (if required), GFCI protection in kitchen/baths, and a serviceable electrical panel/locks. If those systems are functioning and CO/GFCI requirements are met, the property is likely rent-ready within 30 days with minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior is generally clean with newer-looking vinyl plank flooring, painted walls, intact ceilings and functioning doors; visible deferred items are mainly cosmetic and minor finish repairs (scuffed baseboards, missing cabinet door/trim under kitchen sink, chipped drywall/paint at kitchen pony wall, vanity cabinet door off in bath). Driveway shows cracking but serviceable. No obvious collapsed surfaces or major water damage. Missing full-size stove/fridge is not shown in photos (a microwave is present); missing appliances reduce readiness moderately but are not structural failures. Majority of repair needs are easy-to-fix, capital-only items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "Smoke detector(s) visible in living area and near bedrooms. Bedroom windows appear standard and likely provide egress. No exposed wiring, no visible active leaks, no collapsed ceilings, and bathroom/tub surrounds appear intact. Unknowns: carbon monoxide detector not visible, GFCI outlets in kitchen/baths not visible (older outlets pictured), electrical panel not shown, and deadbolt on entry door not visible. Tree close to house and driveway cracks are potential but not immediate code failures. Given visible smoke detectors and absence of immediate hazards, risk is moderate but requires verification of CO detector (if required), functional smoke detectors, GFCI protection, and a secure entry lock to pass inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 65.0,
"rationale": "Ceiling HVAC vents/grilles visible indicating central HVAC ducting; functionality not shown. Roof appears shingled with no visible sagging or active leak stains in interior photos. Plumbing fixtures (sinks, tubs, toilets) are present and appear intact; hot water presence cannot be confirmed from photos. Electrical appearances are typical for an older home; panel and meter not pictured. No visible water heater, exterior A/C condensing unit or electrical panel in photos — these are unknowns that affect passability. Overall, systems appear intact without visible catastrophic failure but require functional verification (heat/cool, hot water, electrical breaker labeling and safe operation)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 78.0,
"rationale": "Brick front with combination siding appears in serviceable condition. Rooflines look straight; gutters present. Large shade trees on lot (one close to foundation) which could present root issues long-term but no visible foundation offset. Driveway has several significant cracks that are a trip hazard and cosmetic detractor but repairable. Rear yard and fence shown; corner lot with good access. Listing notes 'X ZONE' (not a special flood zone), which reduces flood-related concerns. No signs of infestation or major exterior neglect in photos."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Central HVAC is present (vents visible) and likely operational but not visually confirmed — assumed functional unless testing shows otherwise.",
"Hot water and water heater are present and operational though not shown in photos.",
"Electrical service exists and is typical for a 1991 home; electrical panel and meter are present but not pictured.",
"No severe hidden mold, active roof leaks, or major foundation settlement exist since interior photos show no staining, sagging, or visible structural distortion.",
"Kitchen appliances (full range and refrigerator) are not shown; owner may supply or tenant may bring — missing appliances treated as moderate readiness deduction, not an automatic fail.",
"Carbon monoxide detectors and GFCI outlets may be absent or not visible; assume absence until confirmed.",
"Listing 'Selling As Is. Needs TLC' indicates no known catastrophic issues disclosed, but it does not replace a systems inspection."
],
"overall_score": 72.0,
"rubric_version": "ns-2026-03-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1053 Fairfax Dr, Terrytown, LA, 70056",
"aggregate": {
"summary": "This 1991 single-family house presents as broadly serviceable with mostly cosmetic deferred maintenance. The interior flooring and finishes are in decent condition and there are no visible structural failures in the provided photos. Main inspection risks are moderate: missing or unverified GFCI and CO alarms, unverified HVAC and water heater operation, cabinet/vanity repairs, and driveway cracking. With targeted repairs (install GFCI outlets where required, install/verify CO detectors, replace/secure missing cabinet/vanity panels, provide stove and refrigerator, address driveway trip hazard, verify HVAC/water heater and electrical panel), the property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior is largely cosmetically intact: laminate plank flooring looks recently installed and in good condition, walls/ceilings painted, bathrooms and kitchen serviceable. Visible deferred items: kitchen cabinet wear and missing kickplate under sink (possible past water intrusion), vanity cabinet with missing door/exposed plumbing, scuffed baseboards, and some trim damage at the kitchen peninsula. No stove or refrigerator visible in photos (microwave on counter only) — missing appliances reduce readiness but are not an automatic fail. Overall repairs are cosmetic/minor carpentry and cabinetry work plus appliance provisioning."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 76.0,
"rationale": "Exterior brick/siding looks intact; two-car garage and fence to rear visible. Roofline appears straight with no visible collapsed areas. Noted issues: concrete driveway has several long cracks (cosmetic and minor trip hazard), large mature trees close to structure (potential for root/foundation concerns though none visible), and minor paint wear/soffit aging at garage area. Property sits on a corner lot with rear yard access; listing notes X flood zone (minimal flood risk). Overall exterior condition is good with routine maintenance recommended."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "Detected: at least one smoke detector mounted in main living area (visible). No visible exposed wiring, no obvious ceiling/floor collapse, and interior egress windows appear present in bedrooms. Concerns: no carbon monoxide alarm visible (may be required depending on local code/fuel sources), GFCI-protected receptacles are not evident in the kitchen or bathrooms from photos, and the driveway has a significant crack (trip hazard). Entry door deadbolt and electrical panel condition not visible. Bathrooms and tubs appear intact; no visible mold or active water intrusion in photos. These uncertainties create moderate NSPIRE risk until checked and remediated."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 61.7,
"rationale": "Visible HVAC floor/ceiling registers suggest a central system is present; however no furnace/AC unit or water heater is shown and operational status is unknown. Roof appears aged but intact from exterior photos (no visible sagging or active leaks), gutters present. Kitchen sink and bathroom plumbing fixtures visible and appear functional, though the missing cabinet door under sink suggests prior work or minor repair need. Given photos only, treat mechanicals as unknown-to-fair — likely service/verification required (service HVAC, verify water heater, test electrical and plumbing)."
}
],
"red_flags": [],
"confidence": 0.84,
"assumptions": [
"Photos are representative of entire unit; no hidden major damage exists beyond photos.",
"No stove or refrigerator are included (only a microwave shown); missing appliances will need to be provided prior to move‑in.",
"HVAC and water heater are present (supply/registers visible) but their operational status is unknown and must be verified.",
"Electrical panel is intact and meets code but was not photographed; no exposed wiring visible in photos.",
"Smoke alarm seen in living area is functional; additional smoke alarms and CO alarm may be required per local code and should be installed/verified.",
"No active roof leaks or major foundation movement are present (roof and foundation appear visually stable in photos).",
"Listing 'As Is / Needs TLC' indicates there may be minor hidden issues but no evidence of severe mold, fire damage, or collapsed structure in images."
],
"score_method": "mean_of_criteria",
"overall_score": 68.2,
"rubric_version": "ns_prep_v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8197265074"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.