Property ID: 8239648190
3102 Border St, Birmingham, AL, 35208
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$3,596
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$89,900
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 70.50%
Confidence: 92.00%
Overall the property appears mostly move-in ready with recent interior renovations and a functional-feeling shell. Primary inspection risks are (1) possible obstruction of emergency egress from metal security bars on front windows, (2) absence/no-photo evidence of required smoke and CO alarms, and (3) minor trip hazard from a crumbling front stoop and lack of handrail. Major systems show no visible catastrophic failures but key equipment (furnace, water heater, electrical panel) are not photographed and should be verified. With correction of the safety items and confirmation of system operation, likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$89,900
Beds
3
Baths
1
Living Area
1,019 sqft
Lot Size
7,405 sqft
Year Built
1925
Days on Market
146
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Welcome to 3102 Border Street! This charming home seamlessly combines timeless character with modern updates. Step inside to find beautiful original hardwood floors flowing throughout and a freshly painted interior that feels warm and inviting. The updated bathroom offers a stylish and functional space, while the completely renovated kitchen features sleek quartz countertops, brand-new cabinets, and ample storage-perfect for preparing meals and hosting friends and family. With its blend of classic charm and thoughtful upgrades, this move-in ready home is full of personality and ready to welcome its next owners!
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$541
DP3 Annual Estimate$814
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$68
Replacement Value$54,800
Basis1,019 sqft / 1925
Nearby Houses
Photo unavailable
3105 Fayette Ave
sold · 0.03 mi
Price: $71,700
3 bd / 1 ba · 1,110 sqft
Latest sale: $71,700
Latest rent: —
Photo unavailable
3021 Border St
for_sale · 0.06 mi
Price: $35,000
2 bd / 1 ba · 953 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3118 Border St
sold · 0.07 mi
Price: $44,000
2 bd / 1 ba · 876 sqft
Latest sale: $44,000
Latest rent: —
Photo unavailable
1713 1st Ct W
sold · 0.07 mi
Price: $55,000
2 bd / 1 ba · 888 sqft
Latest sale: $55,000
Latest rent: —
Photo unavailable
1721 2nd Ave W
sold · 0.08 mi
Price: $55,000
2 bd / 1 ba · 922 sqft
Latest sale: $55,000
Latest rent: —
Photo unavailable
3016 Fayette Ave
sold · 0.08 mi
Price: $13,500
4 bd / 2 ba · 1,566 sqft
Latest sale: $13,500
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- Metal security bars on front windows that may obstruct emergency egress (potential NSPIRE fail).
- No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE requirement).
- Crumbled/spalled front porch step edge and lack of a visible handrail — trip/safety hazard and potential inspection item.
Assumptions
- Listing text is accurate: bathroom and kitchen are renovated as described.
- Stove shown in kitchen is included with the property; refrigerator may or may not be present (not shown).
- Central HVAC exists (inferred from floor register) and is operational, but system age/condition is unknown because no mechanical photos were provided.
- Water heater and electrical panel are present and functional though not photographed.
- Window security bars are fixed (not quick-release) based on visible metalwork; they may impede egress unless they have an approved quick-release mechanism.
- No visible active roof leaks, standing water, or major foundation movement were observed in provided photos; interior ceilings look intact.
- Smoke detectors and CO alarms were not visible in provided photos; assume they are not installed or not placed per NSPIRE unless confirmed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,030 | $71,100 | $14,220 |
| 2023 | $1,030 | $71,100 | $14,220 |
| 2022 | $772 | $53,300 | $10,660 |
| 2021 | $772 | $53,300 | $10,660 |
| 2020 | $772 | $53,300 | $10,660 |
| 2019 | $772 | $53,300 | $10,660 |
| 2018 | $669 | $46,200 | $9,240 |
| 2017 | $669 | $46,200 | $9,240 |
| 2016 | $653 | $45,100 | $9,020 |
| 2015 | $653 | $45,100 | $9,020 |
| 2013 | $633 | $44,500 | $8,900 |
| 2012 | $633 | $44,500 | $8,900 |
| 2011 | $641 | $45,100 | $9,020 |
| 2010 | $679 | $47,800 | $9,560 |
| 2009 | $653 | $45,900 | $9,180 |
| 2008 | $665 | $46,800 | $9,360 |
| 2007 | $659 | $46,400 | $9,280 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-12 | Price Changed | $89,900 |
| 2026-01-08 | Price Changed | $99,000 |
| 2025-10-22 | Price Changed | $108,000 |
| 2025-10-13 | Price Changed | $110,000 |
| 2025-10-01 | Price Changed | $115,000 |
| 2025-09-23 | Listed | $119,900 |
| 2025-08-06 | Sold | $55,000 |
| 1990-04-01 | Sold | $25,000 |
Photo Gallery
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"days_after_listed": null,
"source_listing_id": "21432104",
"price_change_percentage": null
},
{
"date": "2025-10-01",
"price": 115000,
"listing": {
"status": "for_sale",
"list_date": "2025-09-23T18:48:50Z",
"list_price": 89900,
"listing_id": "2986672737",
"last_update_date": "2026-02-16T01:31:22Z",
"last_status_change_date": "2025-09-23T18:48:50Z"
},
"event_name": "Price Changed",
"price_sqft": 112.85574092247302,
"source_name": "GreaterAlabamaMLS",
"price_change": -4900,
"days_after_listed": null,
"source_listing_id": "21432104",
"price_change_percentage": null
},
{
"date": "2025-09-23",
"price": 119900,
"listing": {
"status": "for_sale",
"list_date": "2025-09-23T18:48:50Z",
"list_price": 89900,
"listing_id": "2986672737",
"last_update_date": "2026-02-16T01:31:22Z",
"last_status_change_date": "2025-09-23T18:48:50Z"
},
"event_name": "Listed",
"price_sqft": 117.66437684003925,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21432104",
"price_change_percentage": "+118.00%"
},
{
"date": "2025-08-06",
"price": 55000,
"listing": null,
"event_name": "Sold",
"price_sqft": 53.974484789008834,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1990-04-01",
"price": 25000,
"listing": null,
"event_name": "Sold",
"price_sqft": 24.53385672227674,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "plumbing permit",
"permit_effective_date": "Oct 13, 2003",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8239648190",
"generated_at": "2026-02-16T02:24:53.456291Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 70.5
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears mostly move-in ready with recent interior renovations and a functional-feeling shell. Primary inspection risks are (1) possible obstruction of emergency egress from metal security bars on front windows, (2) absence/no-photo evidence of required smoke and CO alarms, and (3) minor trip hazard from a crumbling front stoop and lack of handrail. Major systems show no visible catastrophic failures but key equipment (furnace, water heater, electrical panel) are not photographed and should be verified. With correction of the safety items and confirmation of system operation, likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos and listing text show recent cosmetic updates: freshly painted walls, refinished original hardwood floors, renovated kitchen with new cabinets and quartz counters, and an updated bathroom (per listing). The stove is present in photos. Visible deferred items are minor: front porch step edge/stoop shows spalling concrete that should be repaired and shrubs are overgrown blocking the path and lower windows. No evidence of collapsed finishes, major flooring damage, or extensive deferred maintenance inside. Missing refrigerator is not visible in photos and would be an easy-to-fix/replace item if absent."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Moderate NSPIRE risk. Positive: no exposed wiring visible in photos, outlets and light fixtures appear intact, floor vent visible suggests functioning central system, interior surfaces and floors look sound. Concerns: no smoke detectors or CO alarms visible in photos (none mounted in living areas/ceiling photos), and several front windows have metal security bars which may obstruct emergency egress (photo evidence). Front porch steps lack a visible handrail and the concrete edge is spalled (trip hazard). Bedroom egress windows cannot be confirmed from photos. These issues could result in inspection failure until corrected (install code-placed smoke/CO alarms, verify/remediate egress where bars present, repair/replace step and add handrail if required)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Visual indicators point to generally serviceable systems: roof shingles visible from front appear intact without obvious sag or active leaks, floor register in living room indicates central heating/air distribution, kitchen shows an electric range and modern outlets. No electrical panel, water heater, furnace, or HVAC equipment photo available to confirm age/operation. Plumbing fixtures visible (kitchen sink) appear in good cosmetic condition; listing mentions updated bathroom. Because major system components are not directly shown, score is reduced to reflect uncertainty but no visible signs of catastrophic failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding and paint appear serviceable and the roofline looks straight; gutters are present. The chimney is aged but intact; no collapsed masonry visible. Site issues: overgrown shrubs obscuring windows and path, spalled front stoop concrete and worn red-painted step finish, cracked sidewalk near entrance, and no visible porch handrail. Driveway exists at side. Yard shows normal wear and needs basic landscaping/cleanup. No evidence of standing water or severe foundation movement in photos."
}
],
"red_flags": [
"Metal security bars on front windows that may obstruct emergency egress (potential NSPIRE fail).",
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE requirement).",
"Crumbled/spalled front porch step edge and lack of a visible handrail — trip/safety hazard and potential inspection item."
],
"confidence": 0.7,
"assumptions": [
"Listing text is accurate: bathroom and kitchen are renovated as described.",
"Stove shown in kitchen is included with the property; refrigerator may or may not be present (not shown).",
"Central HVAC exists (inferred from floor register) and is operational, but system age/condition is unknown because no mechanical photos were provided.",
"Water heater and electrical panel are present and functional though not photographed.",
"Window security bars are fixed (not quick-release) based on visible metalwork; they may impede egress unless they have an approved quick-release mechanism.",
"No visible active roof leaks, standing water, or major foundation movement were observed in provided photos; interior ceilings look intact.",
"Smoke detectors and CO alarms were not visible in provided photos; assume they are not installed or not placed per NSPIRE unless confirmed."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1-bath bungalow appears largely renovated and cosmetically move-in ready with a new-looking kitchen, intact roof and preserved hardwood floors. Primary inspection risks are missing/undocumented life-safety items (no visible smoke/CO detectors), likely absence of visible GFCI protection at kitchen sink, security bars on windows without shown quick-release egress hardware, and front porch step deterioration with no handrail. Systems (HVAC, water heater, electrical panel) are not photographed and should be verified, but overall the property is likely to pass a Housing Choice Voucher inspection after addressing smoke/CO detectors, installing/confirming GFCI protection, ensuring window egress compliance, and repairing the porch step/handrail if required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently painted with original hardwood floors in serviceable condition and a renovated kitchen and bathroom. Cabinets, countertops and fixtures in photos look new; electric range and range hood present. Exterior paint/siding generally intact. Observable repair items: spalled/chipped concrete on front porch landing and steps, overgrown bushes partially blocking path, minor wear on hardwood floors and baseboard scuffs. No large areas of collapsed finishes or visible structural failure. Missing refrigerator in photos (not a fail but reduces turnkey readiness). Overall mostly cosmetic and minor repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Entry door shows two locks (deadbolt present). No exposed wiring visible and electrical outlets appears intact. However, no smoke detectors or carbon monoxide detectors are visible in interior photos (required by NSPIRE). Kitchen outlets near the sink do not show visible GFCI devices or GFCI-protected receptacles, which is a common cause for inspection deficiency. Several windows have security bars visible from exterior/interior — egress capability and quick-release hardware are not shown and could be an inspection issue if not compliant. Front porch steps have spalled concrete and lack a handrail, creating a trip/fall risk. No visible active leaks, obvious mold, or collapsed ceilings observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Roof shingles and chimney appear intact from photos with no visible sagging or active roof damage. Floor registers visible in living room indicate a central HVAC/forced-air system likely present; HVAC equipment and age are not shown. Kitchen plumbing fixtures and sink look functional; range is electric and appears connected. No water heater, furnace, or electrical panel are visible in images so condition must be assumed. Electrical appears intact but GFCI protection near sink is not visible. Given renovated kitchen and overall cosmetic updates, systems are likely functional but not fully documented in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding, gutters and downspouts appear serviceable and roofline looks even. Foundation visible at perimeter appears stable with no obvious large cracks in provided images. Walkway and porch show cracking and concrete spalling at the top step (trip hazard). Landscaping is overgrown in areas — shrubs encroach on path and windows which can affect drainage and entry safety. No visible standing water or heavy site erosion in photos. Driveway/parking not clearly shown."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos (life-safety requirement).",
"No visible GFCI-protected outlet at the kitchen counter/sink (potential code deficiency).",
"Security bars on windows visible — egress capability/quick-release hardware not shown and could fail egress requirements.",
"Front porch steps show concrete spalling and there is no handrail — trip/fall hazard that may need repair or addition of guard/handrail."
],
"confidence": 0.7,
"assumptions": [
"Listing photos reflect current condition and recent renovations are accurate (kitchen and bathroom updated).",
"Central HVAC exists and is operational (inferred from floor register), though equipment not photographed.",
"Water heater and electrical panel are present and functional but not shown in photos.",
"Windows are operable double-hung units and likely meet egress size, but security bars may restrict egress unless equipped with quick-release devices.",
"No significant concealed mold, termite damage, or major foundation movement exists beyond what is visible; there is no evidence of roof leak in provided photos.",
"Refrigerator is not shown and may not be included; absence of a refrigerator does not constitute an automatic inspection failure for HCV/NSPIRE."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1-bath 1925 house presents as cosmetically updated and largely serviceable for tenancy: renovated kitchen and bath, intact hardwood floors, and generally sound roof and siding. The most significant inspection risks are safety items that cannot be fully confirmed in photos — notably lack of visible smoke detectors, window security bars that may restrict egress, and a deteriorated front step with no handrail. These are likely correctable within days to a few weeks (installation of detectors, modification of bars for emergency release, repair of steps/handrail). With those limited safety fixes and verification of GFCI near sink and proper HVAC/water heater operation, the property would be likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show fresh paint, refinished/original hardwood floors, renovated kitchen and updated bathroom — overall cosmetic condition is good. Observable deferred items are limited to exterior concrete/porch edge deterioration, overgrown shrubs encroaching on windows, and minor trim scuffs. Stove present; no refrigerator visible in photos (missing appliances lower readiness moderately). These are mostly easy-to-fix or cosmetic items, not structural."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 58.0,
"rationale": "Several NSPIRE-relevant items are uncertain or potentially noncompliant from photos: no smoke alarms are visible (required in sleeping areas and on each level), window security bars are present on several front windows and could impede egress if not releasable, the front steps show crumbling edges and there is no visible handrail (trip/fall hazard). GFCI protection at kitchen sink is not clearly visible. Interior surfaces appear intact with no visible active leaks, major mold, or collapsed ceilings. Because missing/blocked egress and absence of visible smoke alarms are inspection risks, safety score is reduced to reflect likely corrective work required before inspection clearance."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Visible floor register and base vents indicate a central heating/AC duct system likely present. Kitchen shows a modern electric range and a newer sink/faucet; finishes suggest recent mechanical updates. Roof appears intact in exterior images (no sagging or visible large patches). Electrical panel, water heater, and HVAC equipment location/condition are not shown; absence of these photos introduces uncertainty. No visible plumbing leaks or major drainage issues in provided photos. Score reflects likely functional systems but with moderate verification risk."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 72.0,
"rationale": "Siding and roof line look generally sound in photos; gutters present. Front yard and walkway show some cracking and the front step/stoop has chipped/concrete spalled edges that create a trip hazard and aesthetic concern. Shrubbery is overgrown and close to windows which can lead to moisture/maintenance issues if not trimmed. Chimney visible but no obvious major failure from photos. Overall exterior condition is fair with a few site-specific repairs needed."
}
],
"red_flags": [
"No smoke detectors visible in photos — likely fail point until installed/verified in required locations.",
"Window security bars on front windows that could block emergency egress unless they have a quick-release mechanism.",
"Deteriorated/crumbling front step edges and absence of a handrail — trip/fall hazard needing repair.",
"GFCI protection around sink not clearly visible — potential electrical safety item to verify/repair."
],
"confidence": 0.7,
"assumptions": [
"Interior photos reflect the current condition of living spaces and kitchen; the listing description (renovated kitchen, updated bathroom) is accurate.",
"Central heating/AC system exists and is operable (floor register visible) though the equipment location/condition was not photographed.",
"Water heater and electrical service are present and functioning but were not photographed or documented.",
"Smoke detectors and CO alarms are not visible in photos; assume they are either missing or not installed in required locations until verified.",
"Window security bars may be fixed or removable; their operability is unknown and assumed to potentially restrict emergency egress.",
"No visible active roof leaks, major mold, or structural sagging is present in the photographed areas; unseen areas (crawlspace/attic) were not inspected.",
"Refrigerator is not shown in photos; appliance inclusion should be verified but its absence alone is not treated as a major safety failure."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3102 Border St, Birmingham, AL, 35208",
"aggregate": {
"summary": "Overall the property appears mostly move-in ready with recent interior renovations and a functional-feeling shell. Primary inspection risks are (1) possible obstruction of emergency egress from metal security bars on front windows, (2) absence/no-photo evidence of required smoke and CO alarms, and (3) minor trip hazard from a crumbling front stoop and lack of handrail. Major systems show no visible catastrophic failures but key equipment (furnace, water heater, electrical panel) are not photographed and should be verified. With correction of the safety items and confirmation of system operation, likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.3,
"rationale": "Interior photos and listing text show recent cosmetic updates: freshly painted walls, refinished original hardwood floors, renovated kitchen with new cabinets and quartz counters, and an updated bathroom (per listing). The stove is present in photos. Visible deferred items are minor: front porch step edge/stoop shows spalling concrete that should be repaired and shrubs are overgrown blocking the path and lower windows. No evidence of collapsed finishes, major flooring damage, or extensive deferred maintenance inside. Missing refrigerator is not visible in photos and would be an easy-to-fix/replace item if absent."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.7,
"rationale": "Exterior siding and paint appear serviceable and the roofline looks straight; gutters are present. The chimney is aged but intact; no collapsed masonry visible. Site issues: overgrown shrubs obscuring windows and path, spalled front stoop concrete and worn red-painted step finish, cracked sidewalk near entrance, and no visible porch handrail. Driveway exists at side. Yard shows normal wear and needs basic landscaping/cleanup. No evidence of standing water or severe foundation movement in photos."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 59.3,
"rationale": "Moderate NSPIRE risk. Positive: no exposed wiring visible in photos, outlets and light fixtures appear intact, floor vent visible suggests functioning central system, interior surfaces and floors look sound. Concerns: no smoke detectors or CO alarms visible in photos (none mounted in living areas/ceiling photos), and several front windows have metal security bars which may obstruct emergency egress (photo evidence). Front porch steps lack a visible handrail and the concrete edge is spalled (trip hazard). Bedroom egress windows cannot be confirmed from photos. These issues could result in inspection failure until corrected (install code-placed smoke/CO alarms, verify/remediate egress where bars present, repair/replace step and add handrail if required)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 68.3,
"rationale": "Visual indicators point to generally serviceable systems: roof shingles visible from front appear intact without obvious sag or active leaks, floor register in living room indicates central heating/air distribution, kitchen shows an electric range and modern outlets. No electrical panel, water heater, furnace, or HVAC equipment photo available to confirm age/operation. Plumbing fixtures visible (kitchen sink) appear in good cosmetic condition; listing mentions updated bathroom. Because major system components are not directly shown, score is reduced to reflect uncertainty but no visible signs of catastrophic failure."
}
],
"red_flags": [
"Metal security bars on front windows that may obstruct emergency egress (potential NSPIRE fail).",
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE requirement).",
"Crumbled/spalled front porch step edge and lack of a visible handrail — trip/safety hazard and potential inspection item."
],
"confidence": 0.92,
"assumptions": [
"Listing text is accurate: bathroom and kitchen are renovated as described.",
"Stove shown in kitchen is included with the property; refrigerator may or may not be present (not shown).",
"Central HVAC exists (inferred from floor register) and is operational, but system age/condition is unknown because no mechanical photos were provided.",
"Water heater and electrical panel are present and functional though not photographed.",
"Window security bars are fixed (not quick-release) based on visible metalwork; they may impede egress unless they have an approved quick-release mechanism.",
"No visible active roof leaks, standing water, or major foundation movement were observed in provided photos; interior ceilings look intact.",
"Smoke detectors and CO alarms were not visible in provided photos; assume they are not installed or not placed per NSPIRE unless confirmed."
],
"score_method": "mean_of_criteria",
"overall_score": 70.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8239648190"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.