Property ID: 8231980485
629 Sessions Ln, Kenner, LA, 70065
Kenner, LA
Money Down: $48,000
CoC Return: 2.65%
Monthly Cash Flow: $106
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$40,000
Closing Costs
$8,000
Total Down
$48,000
Investment Snapshot
Purchase Price
$200,000
Money Down
$48,000
Cash-on-Cash Return
2.65%
Rent
$1,594
Monthly Cash Flow
$106
Annual Cash Flow
$1,272
Debt Service / Mo
$1,064
Property Tax / Mo
$171
Insurance / Mo
$93
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,594
Payment Standard
$1,983
Rent
$1,594
Insurance
$93
Property Tax
$171
Management
$159
Utilities Allowance
$389
NOI (Monthly)
$1,171
Debt Service
$1,064
Cash Flow After Debt
$106
Quality Score: 82.50%
Confidence: 95.00%
Based on photos and listing text this single-family home appears largely turnkey for a Section 8/HCV initial inspection. Major recent updates (roof ~3 years, electrical updated 2023, new flooring) and visible central HVAC make it likely to pass with only minor items to address (verify/install smoke and CO detectors as required, confirm GFCI in kitchen/bath, confirm hot water and functioning water heater). No visible structural or life-safety red flags were observed in the imagery.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$389
Guaranteed Section 8 Rent (PS - Utilities)
$1,594
Property Management
$159
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$200,000
Beds
3
Baths
1
Living Area
1,189 sqft
Lot Size
—
Year Built
1973
Days on Market
27
Capital Outlay
$48,000
Debt Service
$1,064
Property Tax / Mo
$171
Insurance / Mo
$93
Property Description
Welcome to 629 Sessions - a beautifully maintained 3-bedroom, 1-bath home located in the Holly Heights subdivision of Kenner. This fresh and move-in ready home features brand-new flooring throughout, a 3-year-old roof, and updated electrical completed in 2023-offering modern updates and peace of mind for its next owner. - The additional flex space can be used as a bedroom, playroom or dedicated office space, you've got options. Step outside to a spacious fenced backyard designed for relaxing and entertaining. The yard features landscaped gardens, a large storage shed, and a wonderful play set, creating the perfect outdoor space for gatherings, play, and everyday enjoyment. Located in an X flood zone, this property offers added affordability and security. With its thoughtful updates, inviting outdoor space, and convenient location, this home blends comfort, charm, and practicality-making it a fantastic opportunity you won't want to miss.
Utility Allowances
heating
$140
The property has 'Central' heating. The fuel type was not specified. Electric was selected as it is a common heating source and the most expensive plausible option based on the provided schedule.
cooking
$17
The property includes a 'Range/Oven'. The fuel type was not specified. Electric was chosen as it is the more expensive option compared to natural gas.
water_heating
$51
A water heater is a standard appliance in a single-family home. Since the fuel type was not specified, electric was chosen as it is a common fuel source and the more expensive option compared to natural gas.
other_electric
$67
This represents a standard allowance for electricity used by lights, appliances, and other electronics not covered by specific utility categories.
water
$43
The property details specify the water source is 'Public'.
sewer
$46
The property details specify the sewer type is 'City'.
trash_collection
$25
Trash collection is a standard municipal service for a single-family home and is assumed to be the tenant's responsibility.
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$1,112
DP3 Annual Estimate$1,112
DP1 Monthly Equivalent$93
DP3 Monthly Equivalent$93
Replacement Value$158,000
Basis1,189 sqft / 1973
Nearby Houses
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— bd / — ba
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No smoke detectors or CO alarms visible in photos — must verify/install before inspection.
- GFCI protection at kitchen/bath outlets not verifiable from photos — verify compliance.
- Water heater and electrical panel not shown — functionality should be confirmed prior to inspection.
Assumptions
- Updated electrical in 2023 and 3-year-old roof statements in listing are accurate.
- Central HVAC is present and operational based on visible ceiling vents/registers.
- Kitchen appliances shown are functional; hot water and water heater are operational though not photographed.
- No active roof leaks, hidden mold, or underground drainage failure exist because there are no visible telltale signs in photos and listing states good condition.
- Smoke detectors, CO alarms, and GFCI outlets may not be visible in photos but may be missing or require verification/installation prior to inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,997 | $188,000 | $18,800 |
| 2024 | $2,005 | $188,000 | $18,800 |
| 2023 | $673 | $67,900 | $6,790 |
| 2022 | $661 | $67,900 | $6,790 |
| 2021 | $610 | $67,900 | $6,790 |
| 2020 | $604 | $67,900 | $6,790 |
| 2019 | $616 | $67,900 | $6,790 |
| 2018 | $562 | $67,900 | $6,790 |
| 2017 | $562 | $67,900 | $6,790 |
| 2016 | $562 | $67,900 | $6,790 |
| 2015 | $565 | $67,300 | $6,730 |
| 2014 | $563 | $67,300 | $6,730 |
| 2013 | $563 | $67,300 | $6,730 |
| 2010 | $438 | $68,000 | $6,800 |
| 2009 | $561 | $68,000 | $6,800 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-13 | Listed | $200,000 |
| 2026-02-19 | Listing removed | $0 |
| 2026-02-02 | Price Changed | $194,000 |
| 2025-10-07 | Price Changed | $199,000 |
| 2025-09-05 | Price Changed | $205,000 |
| 2025-08-22 | Listed | $210,000 |
| 2023-07-31 | Sold | $0 |
| 2023-07-28 | Listing removed | $0 |
Photo Gallery
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"building": 37900
},
"assessment": {
"land": 3000,
"total": 6790,
"building": 3790
}
},
{
"tax": 604,
"year": 2020,
"market": {
"land": 30000,
"total": 67900,
"building": 37900
},
"assessment": {
"land": 3000,
"total": 6790,
"building": 3790
}
},
{
"tax": 616,
"year": 2019,
"market": {
"land": 28100,
"total": 67900,
"building": 39800
},
"assessment": {
"land": 2810,
"total": 6790,
"building": 3980
}
},
{
"tax": 562,
"year": 2018,
"market": {
"land": 28100,
"total": 67900,
"building": 39800
},
"assessment": {
"land": 2810,
"total": 6790,
"building": 3980
}
},
{
"tax": 562,
"year": 2017,
"market": {
"land": 28100,
"total": 67900,
"building": 39800
},
"assessment": {
"land": 2810,
"total": 6790,
"building": 3980
}
},
{
"tax": 562,
"year": 2016,
"market": {
"land": 28100,
"total": 67900,
"building": 39800
},
"assessment": {
"land": 2810,
"total": 6790,
"building": 3980
}
},
{
"tax": 565,
"year": 2015,
"market": {
"land": 22500,
"total": 67300,
"building": 44800
},
"assessment": {
"land": 2250,
"total": 6730,
"building": 4480
}
},
{
"tax": 563,
"year": 2014,
"market": {
"land": 22500,
"total": 67300,
"building": 44800
},
"assessment": {
"land": 2250,
"total": 6730,
"building": 4480
}
},
{
"tax": 563,
"year": 2013,
"market": {
"land": 22500,
"total": 67300,
"building": 44800
},
"assessment": {
"land": 2250,
"total": 6730,
"building": 4480
}
},
{
"tax": 438,
"year": 2010,
"market": {
"land": 25500,
"total": 68000,
"building": 42500
},
"assessment": {
"land": 2550,
"total": 6800,
"building": 4250
}
},
{
"tax": 561,
"year": 2009,
"market": {
"land": 25500,
"total": 68000,
"building": 42500
},
"assessment": {
"land": 2550,
"total": 6800,
"building": 4250
}
}
],
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{
"date": "2026-03-13",
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{
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{
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{
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{
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"list_price": 194000,
"listing_id": "2985612718",
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{
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},
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{
"date": "2023-07-31",
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"source_name": "Public Record",
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{
"date": "2023-07-28",
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"listing": {
"status": "off_market",
"list_date": "2024-03-18T09:33:11Z",
"list_price": 185000,
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"last_update_date": "2023-07-28T18:16:29Z",
"last_status_change_date": "2024-03-18T09:33:11Z"
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"event_name": "Listing removed",
"price_sqft": 0,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2393775",
"price_change_percentage": null
}
],
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}
},
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},
"property_id": "8231980485",
"generated_at": "2026-03-27T02:35:45.169256Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 82.5
},
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"zip_code": "70065",
"home_photo": "https://ap.rdcpix.com/8a183ebc8ee004943e7ad0cf7a9fcac0l-m3833514091s-w1280.jpg",
"rent_price": 1594.0,
"loan_amount": 160000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/629-Sessions-Ln_Kenner_LA_70065_M82319-80485",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 200000.0,
"loan_term_years": 30,
"annual_cash_flow": 14046.29,
"mortgage_monthly": 1064.48,
"payment_standard": 1983.0,
"total_amount_out": 40000.0,
"additional_photos": [
"https://ap.rdcpix.com/8a183ebc8ee004943e7ad0cf7a9fcac0l-m2824362039s-w1280.jpg",
"https://ap.rdcpix.com/8a183ebc8ee004943e7ad0cf7a9fcac0l-m782334237s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 92.67,
"monthly_cash_flow": 1170.52,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property has 'Central' heating. The fuel type was not specified. Electric was selected as it is a common heating source and the most expensive plausible option based on the provided schedule.",
"utility": "heating",
"allowance": 140
},
{
"note": "The property includes a 'Range/Oven'. The fuel type was not specified. Electric was chosen as it is the more expensive option compared to natural gas.",
"utility": "cooking",
"allowance": 17
},
{
"note": "A water heater is a standard appliance in a single-family home. Since the fuel type was not specified, electric was chosen as it is a common fuel source and the more expensive option compared to natural gas.",
"utility": "water_heating",
"allowance": 51
},
{
"note": "This represents a standard allowance for electricity used by lights, appliances, and other electronics not covered by specific utility categories.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "The property details specify the water source is 'Public'.",
"utility": "water",
"allowance": 43
},
{
"note": "The property details specify the sewer type is 'City'.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard municipal service for a single-family home and is assumed to be the tenant's responsibility.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.35,
"down_payment_amount": 40000.0,
"property_tax_annual": 2056.91,
"property_tax_monthly": 171.41,
"property_tax_increase": 0.03,
"utility_allowance_total": 389.0,
"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": 1272.48,
"property_management_monthly": 159.4,
"monthly_cash_flow_after_debt": 106.04,
"cash_on_cash_return_after_debt": 0.03
},
"section8_assessment": {
"runs": [
{
"summary": "Based on photos and listing text this single-family home appears largely turnkey for a Section 8/HCV initial inspection. Major recent updates (roof ~3 years, electrical updated 2023, new flooring) and visible central HVAC make it likely to pass with only minor items to address (verify/install smoke and CO detectors as required, confirm GFCI in kitchen/bath, confirm hot water and functioning water heater). No visible structural or life-safety red flags were observed in the imagery.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained cosmetic condition: brand-new flooring throughout (listing), fresh paint, intact trim and cabinetry, functioning doors and windows, and installed ceiling fans. Kitchen has sink, cabinetry, stove and microwave visible. No obvious evidence of water stains, peeling paint, or collapsed surfaces. Missing or damaged items are minimal or cosmetic (no visible broken flooring, holes, or collapsed ceilings). Listing notes updated electrical (2023) and 3-year-old roof which supports a higher score. Missing bathroom photos and no direct view of plumbing fixtures reduces certainty slightly but does not show visible deferred maintenance."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 80.0,
"rationale": "No visible exposed wiring, electrical panel issues, or structural sagging in photos. Windows appear adequate for egress in main living spaces; entry door looks solid. HVAC vents and ceiling diffusers visible indicating central system. However, smoke detectors and carbon monoxide alarms are not visible in any photo (cannot confirm placement/operation). GFCI protection at kitchen outlets is not clearly visible. No visible mold, significant water intrusion, or broken guardrails. Because documentation (updated electrical 2023) suggests recent work, major safety hazards are unlikely but missing visible detectors/GFCI lowers the score."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 80.0,
"rationale": "Listing explicitly states updated electrical in 2023 and a 3-year-old roof. Photos show central-air ceiling vents and returns, suggesting a functioning HVAC system. Kitchen appliances present (stove, microwave). Water heater and electrical panel not shown; plumbing fixtures not fully photographed so hot water cannot be directly confirmed. No visible roof sagging or signs of active leaks. Overall systems appear recent and intact based on listing claims and visible HVAC registers, but lack of direct photos for water heater, electrical panel, and furnace reduces certainty."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 90.0,
"rationale": "Exterior photos show intact brick/siding, a well-kept lawn, solid front door entry, and a paved driveway. Listing states a fenced backyard, landscaped gardens, storage shed and playset; property is in X flood zone (lower flood risk). No visible foundation cracking, standing water, or major exterior deterioration. Curb and yard appear safe with clear walkways."
}
],
"red_flags": [
"No smoke detectors or CO alarms visible in photos — must verify/install before inspection.",
"GFCI protection at kitchen/bath outlets not verifiable from photos — verify compliance.",
"Water heater and electrical panel not shown — functionality should be confirmed prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Updated electrical in 2023 and 3-year-old roof statements in listing are accurate.",
"Central HVAC is present and operational based on visible ceiling vents/registers.",
"Kitchen appliances shown are functional; hot water and water heater are operational though not photographed.",
"No active roof leaks, hidden mold, or underground drainage failure exist because there are no visible telltale signs in photos and listing states good condition.",
"Smoke detectors, CO alarms, and GFCI outlets may not be visible in photos but may be missing or require verification/installation prior to inspection."
],
"overall_score": 83.0,
"rubric_version": "ns-p1-v1"
},
{
"summary": "This 3-bed, 1-bath single-family home appears largely turnkey for Section 8/HCV tenancy. Recent roof and electrical updates plus new interior flooring and clean finishes greatly reduce major inspection risk. The primary outstanding verifications for NSPIRE compliance are presence/placement of smoke and CO detectors, GFCI protection in kitchen/bath, working HVAC/mechanical equipment and water heater, and a verified deadbolt on the entry door. With quick verification/installation of required detectors and any missing GFCIs, the property is likely to pass an initial HCV inspection within 1-2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing show a well-maintained interior with brand-new flooring throughout, fresh paint, intact trim and cabinetry, and functioning ceiling fans. Kitchen has range and microwave; no obvious cosmetic damage, peeling paint, or visible water stains. Missing items not observed (refrigerator not pictured) but absence of a visible fridge is not treated as a critical failure. Overall condition appears turnkey with only typical tenant-ready touchups possible (cleaning, minor hardware)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "No visible exposed wiring, sagging ceilings, active leaks, or trip hazards in photos. Windows and sliding door appear intact and likely provide egress; entry door looks solid. Listing states electrical updated in 2023 which reduces electrical hazard risk. Smoke/CO detectors, GFCI outlets, and presence of deadbolt are not visible in photos; these items may require verification and possible minor installs. No visible mold, severe paint failure, or broken handrails. Conservative deduction applied for unverifiable but required safety devices and GFCI coverage."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 80.0,
"rationale": "Listing reports a 3-year-old roof and electrical update in 2023, both positive indicators. Ceiling HVAC vents are visible in multiple rooms, indicating central HVAC ductwork (no outdoor unit visible in photos). Kitchen plumbing fixtures look intact and sink appears modern. Water heater, electrical panel, and HVAC equipment condition not shown and assumed present/operational based on other updates; therefore moderate score reflecting likely good condition but lacking direct photo confirmation of equipment operation."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior brick/siding and roofline appear in good repair in front photo. Lawned yard is maintained, property is fenced with a storage shed and playset in backyard per listing, and driveway/walkway look serviceable. Property is in an X flood zone per listing (favorable). No visible standing water, foundation cracking, or exterior structural distress in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior photos represent the current condition of the home (no unseen recent damage).",
"Central HVAC system is present and functional (visible ceiling vents), though outdoor unit and functional test were not photographed.",
"Electrical panel was updated/inspected as part of the 2023 electrical work described in the listing.",
"A water heater and functioning hot water are present but not shown in photos.",
"Smoke detectors and CO alarms may not be present in all required locations (not visible in photos) and should be verified/installed if missing.",
"GFCI protection in kitchen and bathroom outlets is not visible in photos and should be confirmed.",
"Front entry likely has a secure lock; presence of a deadbolt is assumed likely but not confirmed from photos."
],
"overall_score": 81.0,
"rubric_version": "1.0"
},
{
"summary": "Based on photos and listing data, this 3-bed/1-bath home appears largely turnkey and likely to pass an initial Housing Choice Voucher (NSPIRE) inspection with minor corrective items. Major systems (roof, electrical) are recently updated and interiors are in very good condition. Primary inspection risk items are verification of installed/working smoke and CO detectors (if required), GFCI protection in kitchen/bath, presence of a working hot water heater, and a confirmable working HVAC. These are typically quick fixes if not already installed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Interior and exterior photos show a well-maintained home: brand-new-looking flooring throughout, fresh paint, intact ceilings and walls, and clean trim. Listing states a 3-year-old roof and electrical updated in 2023 which reduces likely deferred maintenance. Kitchen and cabinetry appear in good condition; a range/oven and microwave are visible (no visible refrigerator in photos). No visible peeling paint, water stains, or collapsed finishes. Missing or unpictured minor items (window treatments, outlet covers) would be easy-to-fix cosmetic items. Overall condition appears turnkey with only minor, cosmetic items possible."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 75.0,
"rationale": "No obvious life-threatening hazards visible (no exposed wiring, no collapsed ceilings, no standing water). Windows and sliding doors provide egress from living/dining areas; rooms appear to have adequate windows for bedroom egress. Central HVAC vents visible which suggests heating/cooling are present. However, required safety devices (smoke detectors, carbon-monoxide detectors where required) and GFCI-protected kitchen/bath outlets are not visible in photos; front door deadbolt is not clearly visible. The electrical was updated (listing statement) which lowers electrical hazard risk, but absence of visible detectors/GFCI is a common NSPIRE fail point and reduces the score moderately. No signs of mold, major water intrusion, or structural distress were observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 80.0,
"rationale": "Listing confirms electrical update in 2023 and a 3-year-old roof, both positive indicators for system reliability. Interior supply/return vents are visible, indicating central HVAC likely installed; no heating or AC equipment photographed to directly confirm working condition. Kitchen plumbing fixtures appear intact and functional. Water heater and main electrical panel are not shown, so their condition is assumed acceptable based on electrical update and overall good presentation. Because some critical system components (water heater, exterior HVAC condensing unit, electrical panel) are not visible, moderate residual risk remains."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photos show tidy brick/partial siding facade, an intact roofline, a fenced backyard, and a storage shed and playset. Lawn and landscaping are maintained; driveway and walkway appear functional and safe. Property is in an X flood zone (listing), reducing flood-mitigation concerns. No visible foundation cracking, sagging rooflines, or drainage ponding in photos. Overall exterior condition is good and low risk for inspection failure."
}
],
"red_flags": [],
"confidence": 0.78,
"assumptions": [
"Electrical update completed in 2023 included bringing circuits and panel to code; panel is intact and accessible.",
"Central HVAC is present and operational (supply/return vents visible) though external condenser/furnace were not photographed.",
"Hot water heater is installed and functioning though not pictured.",
"Smoke detectors and carbon monoxide alarms may be present but were not visible in photos; if missing they would need to be installed.",
"GFCI protection for kitchen and bathroom outlets is not visible in photos and may need verification or installation.",
"Front entry has a locking mechanism; a deadbolt may or may not be present (not clearly visible).",
"No visible interior mold, active leaks, or structural failure beyond what is shown; severe hidden issues are not inferred given the overall well-maintained presentation.",
"Appliances: range/oven and microwave are present; refrigerator is not pictured but lack of fridge alone would be a moderate, non-critical readiness issue."
],
"overall_score": 83.0,
"rubric_version": "NSPIRE-2026-03-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "629 Sessions Ln, Kenner, LA, 70065",
"aggregate": {
"summary": "Based on photos and listing text this single-family home appears largely turnkey for a Section 8/HCV initial inspection. Major recent updates (roof ~3 years, electrical updated 2023, new flooring) and visible central HVAC make it likely to pass with only minor items to address (verify/install smoke and CO detectors as required, confirm GFCI in kitchen/bath, confirm hot water and functioning water heater). No visible structural or life-safety red flags were observed in the imagery.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 86.7,
"rationale": "Interior and exterior photos show a well-maintained cosmetic condition: brand-new flooring throughout (listing), fresh paint, intact trim and cabinetry, functioning doors and windows, and installed ceiling fans. Kitchen has sink, cabinetry, stove and microwave visible. No obvious evidence of water stains, peeling paint, or collapsed surfaces. Missing or damaged items are minimal or cosmetic (no visible broken flooring, holes, or collapsed ceilings). Listing notes updated electrical (2023) and 3-year-old roof which supports a higher score. Missing bathroom photos and no direct view of plumbing fixtures reduces certainty slightly but does not show visible deferred maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 86.7,
"rationale": "Exterior photos show intact brick/siding, a well-kept lawn, solid front door entry, and a paved driveway. Listing states a fenced backyard, landscaped gardens, storage shed and playset; property is in X flood zone (lower flood risk). No visible foundation cracking, standing water, or major exterior deterioration. Curb and yard appear safe with clear walkways."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 76.7,
"rationale": "No visible exposed wiring, electrical panel issues, or structural sagging in photos. Windows appear adequate for egress in main living spaces; entry door looks solid. HVAC vents and ceiling diffusers visible indicating central system. However, smoke detectors and carbon monoxide alarms are not visible in any photo (cannot confirm placement/operation). GFCI protection at kitchen outlets is not clearly visible. No visible mold, significant water intrusion, or broken guardrails. Because documentation (updated electrical 2023) suggests recent work, major safety hazards are unlikely but missing visible detectors/GFCI lowers the score."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 80.0,
"rationale": "Listing explicitly states updated electrical in 2023 and a 3-year-old roof. Photos show central-air ceiling vents and returns, suggesting a functioning HVAC system. Kitchen appliances present (stove, microwave). Water heater and electrical panel not shown; plumbing fixtures not fully photographed so hot water cannot be directly confirmed. No visible roof sagging or signs of active leaks. Overall systems appear recent and intact based on listing claims and visible HVAC registers, but lack of direct photos for water heater, electrical panel, and furnace reduces certainty."
}
],
"red_flags": [
"No smoke detectors or CO alarms visible in photos — must verify/install before inspection.",
"GFCI protection at kitchen/bath outlets not verifiable from photos — verify compliance.",
"Water heater and electrical panel not shown — functionality should be confirmed prior to inspection."
],
"confidence": 0.95,
"assumptions": [
"Updated electrical in 2023 and 3-year-old roof statements in listing are accurate.",
"Central HVAC is present and operational based on visible ceiling vents/registers.",
"Kitchen appliances shown are functional; hot water and water heater are operational though not photographed.",
"No active roof leaks, hidden mold, or underground drainage failure exist because there are no visible telltale signs in photos and listing states good condition.",
"Smoke detectors, CO alarms, and GFCI outlets may not be visible in photos but may be missing or require verification/installation prior to inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 82.5,
"rubric_version": "ns-p1-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8231980485"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.