Property ID: 8204079667
3513 Lemon St, Metairie, LA, 70006
Metairie, LA
Money Down: $71,760
CoC Return: -2.88%
Monthly Cash Flow: $-172
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,800
Closing Costs
$11,960
Total Down
$71,760
Investment Snapshot
Purchase Price
$299,000
Money Down
$71,760
Cash-on-Cash Return
-2.88%
Rent
$2,002
Monthly Cash Flow
$-172
Annual Cash Flow
$-2,069
Debt Service / Mo
$1,591
Property Tax / Mo
$240
Insurance / Mo
$143
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,002
Payment Standard
$2,328
Rent
$2,002
Insurance
$143
Property Tax
$240
Management
$200
Utilities Allowance
$326
NOI (Monthly)
$1,419
Debt Service
$1,591
Cash Flow After Debt
$-172
Quality Score: 79.60%
Confidence: 90.00%
This 4-bed single-family brick home presents as cosmetically well-maintained and is likely to pass an initial HCV/NSPIRE inspection after addressing a few verification items. Major visible systems and the exterior look sound and clean; central HVAC appears present and interior fixtures are intact. Primary inspection risks are informational/verification items (confirm CO alarm where required because of wood fireplace, confirm GFCI protection at kitchen/baths, electrical panel condition, water heater operation, and fireplace safety/venting). With those verifications and minor compliance items corrected if needed, the property should be rent-ready within 30 days.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$326
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,000
Beds
4
Baths
2
Living Area
1,836 sqft
Lot Size
—
Year Built
1984
Days on Market
344
Capital Outlay
$71,760
Debt Service
$1,591
Property Tax / Mo
$240
Insurance / Mo
$143
Property Description
Great opportunity to make this home your own. Demand location with grocery stores, restaurants and shopping centers close by. Wooden floors and formal living/dining room, spacious den with wood burning fireplace and four bedrooms. Garage has window unit with washer/dryer. SELLERS TO GIVE $15,000 TO BUYERS AT ACT OF SALE FOR PREPAID EXPENSES, INSURANCE, TAXES AT ACT OF SALE.
Utility Allowances
cooking
$14
Property info explicitly states 'Gas: Natural'. The natural gas option was selected from the schedule for a 4-bedroom unit.
heating
$79
Property info specifies 'Gas: Natural' and 'Central' heating. The natural gas option was selected for a 4-bedroom unit.
other_electric
$77
This is a fixed allowance for general electricity usage in a 4-bedroom single-family detached home.
sewer
$54
Property info states 'Sewer: City' and 'Public Sewer'. The allowance is for a 4-bedroom unit.
trash_collection
$25
This is a standard municipal service for a single-family home, included as a fixed allowance on the schedule.
water
$50
Property info states 'Water Source: Public'. The allowance is for a 4-bedroom unit.
water_heating
$27
Property info specifies 'Gas: Natural' as the available gas utility; it is inferred that this is also used for water heating. The allowance is for a 4-bedroom unit.
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$1,717
DP3 Annual Estimate$1,717
DP1 Monthly Equivalent$143
DP3 Monthly Equivalent$143
Replacement Value$113,300
Basis1,836 sqft / 1984
Nearby Houses
Photo unavailable
3716 Lemon St
for_sale · 0.16 mi
Price: $299,000
3 bd / 2 ba · 1,469 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4748 Newlands St
for_sale · 0.17 mi
Price: $234,900
3 bd / 2 ba · 1,944 sqft
Latest sale: — on Apr 11, 2025
Latest rent: —
Photo unavailable
4740 Newlands St
sold · 0.19 mi
Price: $275,000
3 bd / 3 ba · 1,559 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4825 Kawanee Ave
sold · 0.19 mi
Price: $339,000
4 bd / 3 ba · 2,306 sqft
Latest sale: —
Latest rent: —
Photo unavailable
5021 Newlands St
for_sale · 0.22 mi
Price: $499,900
4 bd / 2 ba · 2,310 sqft
Latest sale: —
Latest rent: —
Photo unavailable
5016-5018 Newlands St
off_market · 0.22 mi
Price: $399,000
6 bd / 6 ba · 3,274 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4712 Kawanee Ave
off_market · 0.24 mi
Price: $349,000
3 bd / 2 ba · 2,294 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4929 Kawanee Ave
off_market · 0.25 mi
Price: $349,900
3 bd / 2 ba · 2,022 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4920 Jasper St
sold · 0.27 mi
Price: $369,000
3 bd / 2 ba · 1,829 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4709 Kawanee Ave
off_market · 0.27 mi
Price: $316,000
3 bd / 2 ba · 1,677 sqft
Latest sale: — on Nov 30, 2021
Latest rent: $2,300 on Dec 10, 2025
Photo unavailable
4700 Jasper St
for_sale · 0.30 mi
Price: $292,500
3 bd / 1 ba · 1,572 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC is present and operational based on visible ceiling vents; no documentation provided.
- Smoke alarm observed in living area; additional smoke alarms in bedrooms/hallways are assumed but not pictured.
- No carbon monoxide alarm was visible in photos; assume none is present or not visible and that one may be required due to wood-burning fireplace.
- Electrical panel, water heater, and GFCI protection locations were not shown; assumed present but condition unknown.
- Fireplace is wood-burning as stated in listing; its flue/damper condition and certification are unknown.
- No visible signs of active roof leaks, foundation movement, mold, or severe pest infestation in provided photos.
- Washer/dryer exist in garage per listing; condition and venting not inspected in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,793 | $221,300 | $22,130 |
| 2024 | $2,788 | $221,300 | $22,130 |
| 2023 | $2,911 | $221,300 | $22,130 |
| 2022 | $2,016 | $157,400 | $15,740 |
| 2021 | $1,872 | $157,400 | $15,740 |
| 2020 | $1,859 | $157,400 | $15,740 |
| 2019 | $1,911 | $157,400 | $15,740 |
| 2018 | $1,784 | $157,400 | $15,740 |
| 2017 | $1,784 | $157,400 | $15,740 |
| 2016 | $1,304 | $117,300 | $11,730 |
| 2015 | $1,336 | $117,300 | $11,730 |
| 2014 | $1,319 | $117,300 | $11,730 |
| 2013 | $1,319 | $117,300 | $11,730 |
| 2012 | $475 | $117,300 | $11,730 |
| 2011 | $445 | $117,300 | $11,730 |
| 2010 | $1,204 | $117,300 | $11,730 |
| 2009 | $1,204 | $117,300 | $11,730 |
| 2008 | $429 | — | $11,730 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-12-13 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-09-30 | Listed for rent | $1,900 | — |
Photo Gallery
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"Primary Bedroom Dimensions: 14.6' x 12.6'",
"Bedroom 1 Dimensions: 10.9' x 11'",
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"Living Room Level: Lower"
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"date": "2025-07-19",
"price": 299000,
"listing": {
"status": "for_sale",
"list_date": "2025-04-30T18:29:34Z",
"list_price": 299000,
"listing_id": "2981167721",
"last_update_date": "2025-10-29T09:41:29Z",
"last_status_change_date": "2025-04-30T18:29:34Z"
},
"event_name": "Price Changed",
"price_sqft": 162.8540305010893,
"source_name": "NewOrleans",
"price_change": -21000,
"days_after_listed": null,
"source_listing_id": "2499199",
"price_change_percentage": null
},
{
"date": "2025-04-30",
"price": 320000,
"listing": {
"status": "for_sale",
"list_date": "2025-04-30T18:29:34Z",
"list_price": 299000,
"listing_id": "2981167721",
"last_update_date": "2025-10-29T09:41:29Z",
"last_status_change_date": "2025-04-30T18:29:34Z"
},
"event_name": "Listed",
"price_sqft": 174.29193899782135,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2499199",
"price_change_percentage": null
},
{
"date": "2022-12-13",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2024-03-18T09:33:11Z",
"list_price": 250000,
"listing_id": "2949709749",
"last_update_date": "2022-12-14T10:20:35Z",
"last_status_change_date": "2024-03-18T09:33:11Z"
},
"event_name": "Listing removed",
"price_sqft": 0,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2370993",
"price_change_percentage": null
},
{
"date": "1997-03-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8204079667",
"generated_at": "2026-03-27T02:04:19.950412Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 79.6
},
"utility_allowance": {
"zip_code": "70006",
"home_photo": "https://ap.rdcpix.com/fa32cf3c84e75fbe56df23343b726059l-m2341100032s-w1280.jpg",
"rent_price": 2002.0,
"loan_amount": 239200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3513-Lemon-St_Metairie_LA_70006_M82040-79667",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 299000.0,
"loan_term_years": 30,
"annual_cash_flow": 17027.81,
"mortgage_monthly": 1591.4,
"payment_standard": 2328.0,
"total_amount_out": 59800.0,
"additional_photos": [
"https://ap.rdcpix.com/fa32cf3c84e75fbe56df23343b726059l-m2206509418s-w1280.jpg",
"https://ap.rdcpix.com/fa32cf3c84e75fbe56df23343b726059l-m502052475s-w1280.jpg",
"https://ap.rdcpix.com/fa32cf3c84e75fbe56df23343b726059l-m4218747116s-w1280.jpg",
"https://ap.rdcpix.com/fa32cf3c84e75fbe56df23343b726059l-m1985691492s-w1280.jpg",
"https://ap.rdcpix.com/fa32cf3c84e75fbe56df23343b726059l-m280927595s-w1280.jpg",
"https://ap.rdcpix.com/fa32cf3c84e75fbe56df23343b726059l-m3378007503s-w1280.jpg",
"https://ap.rdcpix.com/fa32cf3c84e75fbe56df23343b726059l-m3446385629s-w1280.jpg",
"https://ap.rdcpix.com/fa32cf3c84e75fbe56df23343b726059l-m2156384785s-w1280.jpg",
"https://ap.rdcpix.com/fa32cf3c84e75fbe56df23343b726059l-m1772527412s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 143.08,
"monthly_cash_flow": 1418.98,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property info explicitly states 'Gas: Natural'. The natural gas option was selected from the schedule for a 4-bedroom unit.",
"utility": "cooking",
"allowance": 14
},
{
"note": "Property info specifies 'Gas: Natural' and 'Central' heating. The natural gas option was selected for a 4-bedroom unit.",
"utility": "heating",
"allowance": 79
},
{
"note": "This is a fixed allowance for general electricity usage in a 4-bedroom single-family detached home.",
"utility": "other_electric",
"allowance": 77
},
{
"note": "Property info states 'Sewer: City' and 'Public Sewer'. The allowance is for a 4-bedroom unit.",
"utility": "sewer",
"allowance": 54
},
{
"note": "This is a standard municipal service for a single-family home, included as a fixed allowance on the schedule.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Property info states 'Water Source: Public'. The allowance is for a 4-bedroom unit.",
"utility": "water",
"allowance": 50
},
{
"note": "Property info specifies 'Gas: Natural' as the available gas utility; it is inferred that this is also used for water heating. The allowance is for a 4-bedroom unit.",
"utility": "water_heating",
"allowance": 27
}
],
"cash_on_cash_return": 0.28,
"down_payment_amount": 59800.0,
"property_tax_annual": 2876.79,
"property_tax_monthly": 239.73,
"property_tax_increase": 0.03,
"utility_allowance_total": 326.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -2069.03,
"property_management_monthly": 200.2,
"monthly_cash_flow_after_debt": -172.42,
"cash_on_cash_return_after_debt": -0.03
},
"section8_assessment": {
"runs": [
{
"summary": "This 4-bed single-family brick home presents as cosmetically well-maintained and is likely to pass an initial HCV/NSPIRE inspection after addressing a few verification items. Major visible systems and the exterior look sound and clean; central HVAC appears present and interior fixtures are intact. Primary inspection risks are informational/verification items (confirm CO alarm where required because of wood fireplace, confirm GFCI protection at kitchen/baths, electrical panel condition, water heater operation, and fireplace safety/venting). With those verifications and minor compliance items corrected if needed, the property should be rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 85.0,
"rationale": "Interior and exterior photos show well-maintained cosmetic condition: recently painted walls, intact hardwood and tile floors, kitchen cabinets in good condition, bathrooms appear serviceable. Appliances (refrigerator, cooktop/hood) are present in photos and washer/dryer are noted in the garage. No visible water stains, collapsed ceilings, or major surface damage. Minor items possible (fireplace trim aged, typical touch-ups) but nothing that indicates major deferred maintenance."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible: ceilings intact, no exposed wiring, outlets have cover plates, stairs/handrails not shown as unsafe, windows appear to provide egress from bedrooms. A smoke alarm is visible in the living area, which is positive. Potential compliance issues: no carbon monoxide alarm visible (there is a wood-burning fireplace which typically requires CO alarms near sleeping areas per many local codes/NSPIRE guidance), GFCI outlets at kitchen sink/bath not clearly visible, electrical panel location/condition not shown, and fireplace operation/clearances not documented. These unknowns lower the score to a moderate risk level but no immediate, visible electrical or structural hazards were observed."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC, plumbing, electrical, roof",
"score": 75.0,
"rationale": "Roof and exterior shingles look in good visual condition with no visible sagging or active water intrusion. Ceiling vents and a central vent register are visible indicating central HVAC is present; a window unit is noted in the garage. Kitchen and bathroom plumbing fixtures appear intact. Appliances are present in photos. Missing confirmations: water heater and electrical panel not shown, no evidence of recent mechanical service records, and fireplace mechanical condition unknown. Based on visible condition, systems are likely functional but verification is recommended."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 85.0,
"rationale": "Brick exterior, gutters, and lot maintenance appear good. Lawn is mowed, driveway and walkway show normal wear but no major trip hazards. No visible foundation cracking, standing water, or damaged entry steps. Fence/gate visible at side appears serviceable. Overall exterior and site show routine maintenance and no visible safety hazards."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational based on visible ceiling vents; no documentation provided.",
"Smoke alarm observed in living area; additional smoke alarms in bedrooms/hallways are assumed but not pictured.",
"No carbon monoxide alarm was visible in photos; assume none is present or not visible and that one may be required due to wood-burning fireplace.",
"Electrical panel, water heater, and GFCI protection locations were not shown; assumed present but condition unknown.",
"Fireplace is wood-burning as stated in listing; its flue/damper condition and certification are unknown.",
"No visible signs of active roof leaks, foundation movement, mold, or severe pest infestation in provided photos.",
"Washer/dryer exist in garage per listing; condition and venting not inspected in photos."
],
"overall_score": 79.0,
"rubric_version": "ns-pv1.0"
},
{
"summary": "Overall this single‑family home appears largely turnkey for a Section 8/HCV initial inspection. Interior and exterior conditions are generally good, with updated finishes, intact flooring and functioning kitchen/bath fixtures visible. The main inspection risks are documentation/verification items: presence and placement of carbon monoxide alarms (especially because of the wood-burning fireplace), smoke detectors in sleeping areas, verification of GFCI protection in kitchen/baths, and confirmation of electrical panel and water heater condition. These are likely repair/verification tasks that can be completed within 1–2 weeks to 30 days. With the recent rental history noted, the property is likely rent-ready after addressing the detector/GFCI/verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show updated paint, intact hardwood and tile flooring, solid cabinetry and countertops, working kitchen appliances visible (refrigerator, cooktop/range hood). Bathrooms and vanities appear in good condition. Exterior brick, roof and landscaping are well maintained. No visible cosmetic deferred maintenance beyond normal wear. Missing or aging minor fixtures (brass hardware) are easy cosmetic fixes."
},
{
"key": "safety_code",
"label": "Safety / Code Risks",
"score": 75.0,
"rationale": "A ceiling smoke detector is visible in the living area and rooms have functioning doors and clear exit paths. No exposed wiring, visible water stains, mold, or broken stairs/handrails in photos. However the home contains a wood-burning fireplace (listed and photographed) and I do not see a carbon-monoxide alarm or smoke detectors in bedroom/hallway photos — CO and properly located smoke detectors are required. GFCI outlets at sink areas and the condition of the electrical panel are not visible and must be verified. Because the primary observed issues are missing/undocumented detectors and some unknown outlet protection, this is a moderate safety risk but likely correctable quickly."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Photos show ceiling vents consistent with central HVAC (supply registers visible) and the roof and gutters appear in good visual condition. No obvious plumbing leaks or water heater visible to inspect; kitchen and bathrooms appear operational. Electrical panel and water heater are not shown; age and service history are unknown. Laundry/water hookups are reported in the garage per listing; garage has a window unit which suggests non-central cooling there. Overall systems appear intact but key items (panel, water heater, furnace/AC operation) need verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Brick exterior and roof shingles look serviceable in photos, yard is maintained, walkways and drive appear stable. No visible foundation cracking, standing water, or severe site distress. Landscaping and entry are safe and accessible. Garage door appears intact. Drainage slopes are not fully visible but no evidence of erosion or ponding noted."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Wood-burning fireplace present with no visible carbon-monoxide alarm observed (CO alarm required / strong safety concern).",
"No visible smoke detectors in bedroom photos or hallways (only one detector seen in living area) — smoke alarms required in each sleeping area and common paths.",
"Electrical panel and water heater not pictured/verified — condition and compliance unknown and must be verified prior to inspection clearance."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is assumed present and operational based on visible ceiling supply vents; full operational testing not available from photos.",
"No active roof leaks or significant water intrusion is assumed because there are no visible ceiling stains or discoloration in interior photos.",
"Bedrooms have code-compliant egress windows (standard-size windows visible) although exact dimensions were not measured in photos.",
"Deadbolt or secure locking hardware on the entry door is assumed present though not clearly visible in photographs; it should be verified.",
"Washer/dryer are located in the garage as stated in the listing; laundry hookups and safe venting/clearances should be verified onsite.",
"Electrical panel, water heater, furnace/AC equipment locations and ages are not pictured and must be inspected; their condition is unknown.",
"GFCI protection for kitchen/bath outlets is not visible in photos and is assumed unverified; installation may be required.",
"Carbon monoxide detector is not visible in photos; assumed not present or not visible and should be installed if missing (required with wood-burning fireplace)."
],
"overall_score": 84.0,
"rubric_version": "nsPIRE-2025-v1"
},
{
"summary": "Overall the home appears largely turnkey for Section 8 / HCV occupancy with well-maintained interior finishes, functioning kitchen appliances, sealed exterior brick envelope and no visible structural or moisture damage. Primary inspection risks are compliance items that cannot be fully verified from photos: absence of a visible carbon-monoxide detector (important because of the wood-burning fireplace and attached garage), no clearly visible GFCI protection in kitchen/bath, and the washer/dryer located in the garage which requires verification of proper venting and electrical hookup. Assuming central HVAC, hot water, and electrical panel are serviceable (not shown), the property is likely to pass an initial NSPIRE/HCV inspection after addressing straightforward code items (CO alarm, GFCI outlets, verify deadbolt) — timeframe to pass: likely within 1–4 weeks with minor fixes and confirmation of mechanical items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained brick single-story with recent-looking roof shingles, intact trim, clean painted walls, finished hardwood/laminate floors and updated-looking bathrooms and kitchen cabinets. Appliances (refrigerator, cooktop/hood) are shown; washer/dryer are noted in the garage. Cosmetic condition appears good; only minor touch-ups (scuffing at thresholds, driveway staining) are visible. No major deferred-maintenance items are apparent in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "Many visible safety items look acceptable: functioning doors/windows, no visible exposed wiring, no obvious mold or water stains, smoke detector visible on main ceiling, bedroom egress windows appear present. Concerns: no carbon-monoxide detector is visible in photos (property has a wood-burning fireplace and an attached garage — CO detection is typically required), GFCI outlets in kitchen/bath are not clearly visible in photos, and the washer/dryer in the garage (per listing) raises questions about venting/electrical/GFCI protection. Deadbolt on entry is not clearly confirmed in photos. These are fixable but represent NSPIRE inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 80.0,
"rationale": "Ceiling vents and recessed lighting indicate a central HVAC system is present; no visible evidence of roof leaks, active water intrusion, or sagging ceilings. Roof shingles appear in good condition from exterior photos and chimney looks intact. Water heater, electrical panel, and mechanical service records are not shown, so system condition is inferred from clean interior and functioning fixtures. Washer/dryer in garage (window unit noted) suggests some nonstandard installations to verify (dryer venting, electrical, appliance hookups)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Brick exterior is intact, gutters present, lawn and landscaping are maintained, driveway and walkway are serviceable though with some staining. Perimeter fence/gate visible and functioning. No visible standing water, major foundation cracks, or exterior structural distress in provided photos. Curb/access appears safe; attached garage door present. Overall low exterior/site risk from images."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible carbon monoxide (CO) detector in photos — required where there is a wood-burning fireplace and an attached garage (NSPIRE risk).",
"GFCI protection not observed in kitchen/bath areas in photos — potential NSPIRE/code deficiency.",
"Washer/dryer located in garage (per listing) — requires verification of proper dryer venting and electrical safety; potential CO/venting/electrical concern if gas dryer or improper venting."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (ceiling vents visible) though service records and thermostat operation were not provided.",
"Hot water and plumbing are functional; no leaks were visible in photos but water heater location/condition is unknown.",
"Smoke detector(s) are installed and functioning (one smoke detector is visible in the living area); additional detectors may exist but were not photographed.",
"No visible interior water stains or mold implies no active roof leaks; roof appears in good condition from photos but attic/roof inspection not performed.",
"Deadbolt on main entry is assumed present but not clearly shown; if missing, it is a simple fix.",
"Electrical panel condition and circuit labeling are not visible and assumed serviceable; no visible exposed wiring inside living spaces.",
"GFCI receptacles and CO alarms were not photographed and are assumed absent until confirmed—these are required to meet NSPIRE where applicable.",
"Washer/dryer in garage is present per listing; condition, installation compliance (venting, electrical) and dryer type (gas/electric) are unknown.",
"Rental history entry in snapshot is considered valid and used as the bonus criterion at score=100."
],
"overall_score": 81.0,
"rubric_version": "nspr-2026-1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3513 Lemon St, Metairie, LA, 70006",
"aggregate": {
"summary": "This 4-bed single-family brick home presents as cosmetically well-maintained and is likely to pass an initial HCV/NSPIRE inspection after addressing a few verification items. Major visible systems and the exterior look sound and clean; central HVAC appears present and interior fixtures are intact. Primary inspection risks are informational/verification items (confirm CO alarm where required because of wood fireplace, confirm GFCI protection at kitchen/baths, electrical panel condition, water heater operation, and fireplace safety/venting). With those verifications and minor compliance items corrected if needed, the property should be rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 85.0,
"rationale": "Interior and exterior photos show well-maintained cosmetic condition: recently painted walls, intact hardwood and tile floors, kitchen cabinets in good condition, bathrooms appear serviceable. Appliances (refrigerator, cooktop/hood) are present in photos and washer/dryer are noted in the garage. No visible water stains, collapsed ceilings, or major surface damage. Minor items possible (fireplace trim aged, typical touch-ups) but nothing that indicates major deferred maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 85.0,
"rationale": "Brick exterior, gutters, and lot maintenance appear good. Lawn is mowed, driveway and walkway show normal wear but no major trip hazards. No visible foundation cracking, standing water, or damaged entry steps. Fence/gate visible at side appears serviceable. Overall exterior and site show routine maintenance and no visible safety hazards."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 73.3,
"rationale": "No obvious life-threatening hazards visible: ceilings intact, no exposed wiring, outlets have cover plates, stairs/handrails not shown as unsafe, windows appear to provide egress from bedrooms. A smoke alarm is visible in the living area, which is positive. Potential compliance issues: no carbon monoxide alarm visible (there is a wood-burning fireplace which typically requires CO alarms near sleeping areas per many local codes/NSPIRE guidance), GFCI outlets at kitchen sink/bath not clearly visible, electrical panel location/condition not shown, and fireplace operation/clearances not documented. These unknowns lower the score to a moderate risk level but no immediate, visible electrical or structural hazards were observed."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC, plumbing, electrical, roof",
"score": 75.0,
"rationale": "Roof and exterior shingles look in good visual condition with no visible sagging or active water intrusion. Ceiling vents and a central vent register are visible indicating central HVAC is present; a window unit is noted in the garage. Kitchen and bathroom plumbing fixtures appear intact. Appliances are present in photos. Missing confirmations: water heater and electrical panel not shown, no evidence of recent mechanical service records, and fireplace mechanical condition unknown. Based on visible condition, systems are likely functional but verification is recommended."
}
],
"red_flags": [],
"confidence": 0.9,
"assumptions": [
"Central HVAC is present and operational based on visible ceiling vents; no documentation provided.",
"Smoke alarm observed in living area; additional smoke alarms in bedrooms/hallways are assumed but not pictured.",
"No carbon monoxide alarm was visible in photos; assume none is present or not visible and that one may be required due to wood-burning fireplace.",
"Electrical panel, water heater, and GFCI protection locations were not shown; assumed present but condition unknown.",
"Fireplace is wood-burning as stated in listing; its flue/damper condition and certification are unknown.",
"No visible signs of active roof leaks, foundation movement, mold, or severe pest infestation in provided photos.",
"Washer/dryer exist in garage per listing; condition and venting not inspected in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 79.6,
"rubric_version": "ns-pv1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8204079667"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.