Property ID: 8241676812
1825 18th Street Ensley, Birmingham, AL, 35218
Birmingham, AL
Money Down: $20,160
CoC Return: 14.87%
Monthly Cash Flow: $250
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,800
Closing Costs
$3,360
Total Down
$20,160
Investment Snapshot
Purchase Price
$84,000
Money Down
$20,160
Cash-on-Cash Return
14.87%
Rent
$930
Monthly Cash Flow
$250
Annual Cash Flow
$2,997
Debt Service / Mo
$447
Property Tax / Mo
$83
Insurance / Mo
$57
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$930
Payment Standard
$1,419
Rent
$930
Insurance
$57
Property Tax
$83
Management
$93
Utilities Allowance
$489
NOI (Monthly)
$697
Debt Service
$447
Cash Flow After Debt
$250
Quality Score: 64.60%
Confidence: 94.00%
This 3-bed/1-bath bungalow presents as a mostly renovated, cosmetically turn-key rental with clear appeal to tenants. Visible interior updates (flooring, paint, kitchen and bath) and included appliances favor a quick rental. Primary inspection risks are systems and safety: an older water heater located in the kitchen without a visible drain pan or enclosure, an older wall heater with cooling via window units (central HVAC not confirmed), potential electrical hazards (extension cord for window AC), and no visible smoke/CO detectors in photos. Exterior is fair but porch awning needs attention. Overall it is likely to pass a Housing Choice Voucher initial inspection after addressing safety/system items (installing/confirming smoke & CO detectors, ensuring water heater venting and pan/drip containment, resolving any electrical/GFCI deficiencies). Estimated readiness: minor-to-moderate repairs, likely rent-ready within 2–4 weeks with focused fixes.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$489
Guaranteed Section 8 Rent (PS - Utilities)
$930
Property Management
$93
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$84,000
Beds
3
Baths
1
Living Area
1,316 sqft
Lot Size
5,227 sqft
Year Built
1935
Days on Market
80
Capital Outlay
$20,160
Debt Service
$447
Property Tax / Mo
$83
Insurance / Mo
$57
Property Description
Recently Renovated Investment Opportunity in Ensley! This 3-bedroom, 1-bath home is a great option for investors seeking strong rental income or a low-maintenance addition to their portfolio. The property has been recently updated with new flooring throughout, fresh interior paint, and a fully renovated bathroom. The kitchen features updated cabinets and countertops, offering a clean, modern look that appeals to tenants. A detached storage building provides added functionality and extra space-an attractive asset for renters. With solid updates already completed, this home offers the opportunity for immediate rental potential in an established neighborhood. Whether you're expanding your portfolio or looking for a value-add rental in Ensley, this property checks the boxes. Schedule your showing today!
Utility Allowances
Heating
$93
Property has Central Heat. The fuel type is inferred as electric because the water heater and stove are both listed as electric. The 'Elec Heat: Ala Power' option was selected as it's the most common provider for Birmingham and the most expensive electric heating option on the schedule.
Cooling
$22
Property has Central Cooling (A/C). The 'A/C: Alabama Power' option was selected as it is the most common provider for Birmingham and the most expensive A/C option on the schedule.
Water Heating
$56
Property has an electric water heater. The 'Elec: Ala Power' option was selected for consistency with other electric utilities and is the most expensive option.
Cooking
$21
Property has an electric stove. The 'Elec: Ala Power' option was selected for consistency with other electric utilities and is the most expensive option.
Other Electric
$68
Covers general electric use like lights. The property includes a refrigerator, so its usage is included in this line item. 'Lights, Ref, Etc.: Ala Power' was chosen for consistency and is the most expensive option.
Water
$78
Property has public water. The 'Water: Birmingham' option was selected as the property is located in Birmingham.
Sewer
$151
Property is connected to a public sewer service. The schedule provides a single fixed rate for sewer.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$551
DP3 Annual Estimate$827
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$69
Replacement Value$56,600
Basis1,316 sqft / 1935
Nearby Houses
Photo unavailable
1853 18th Street Ensley
sold · 0.05 mi
Price: $32,000
4 bd / 2 ba · 1,760 sqft
Latest sale: $32,000
Latest rent: —
Photo unavailable
1837 15th Street Ensley
for_sale · 0.06 mi
Price: $55,000
3 bd / 1 ba · 1,178 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1833 15th Street Ensley
sold · 0.06 mi
Price: $30,400
3 bd / 2 ba · 1,472 sqft
Latest sale: $30,400
Latest rent: —
Photo unavailable
1814 20th Street Ensley
for_sale · 0.10 mi
Price: $64,900
3 bd / 2 ba · 1,594 sqft
Latest sale: $47,000
Latest rent: —
Photo unavailable
1319 Court R
sold · 0.11 mi
Price: $39,900
3 bd / 2 ba · 1,450 sqft
Latest sale: $39,900 on Dec 29, 2025
Latest rent: $875 on May 05, 2020
Risk and Criteria Detail
Red Flags
- success
- Water heater located inside the kitchen footprint with no visible drain pan and appears aged (risk of leaks and code noncompliance).
- No visible smoke detectors or carbon monoxide detectors in living areas or near sleeping areas in the photos provided.
- Evidence of potentially improper electrical practice (extension cord powering window AC) — possible electrical hazard/insufficient outlets or circuits.
- Heating/cooling system not clearly centralized (older wall heater + window ACs) — inspector may require proof of safe, operable heating for winter and adequate cooling depending on local policy.
Assumptions
- Smoke and carbon monoxide detectors are not present or not visible in listing photos; assume they need installation or verification.
- Central HVAC is not confirmed; assume heating is provided by the visible wall furnace and cooling by window AC(s).
- Electrical panel and GFCI outlets are not photographed; assume some GFCI and panel work may be required until verified.
- No active water leaks were visible in photos; assume plumbing fixtures and hot water function but water heater condition/age may require service or replacement.
- Bedroom egress windows meet local egress standards unless otherwise found in an in-person inspection.
- Detached storage building is present and usable but its condition/roofing was not fully inspected from provided photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $964 | $66,500 | $13,300 |
| 2023 | $964 | $66,500 | $13,300 |
| 2022 | $736 | $50,800 | $10,160 |
| 2020 | $736 | $50,800 | $10,160 |
| 2019 | $296 | $50,800 | $5,080 |
| 2017 | $241 | $43,100 | $4,320 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Relisted | $84,000 |
| 2026-02-10 | Listing removed | $0 |
| 2026-02-09 | Price Changed | $84,000 |
| 2026-01-27 | Price Changed | $94,000 |
| 2026-01-08 | Price Changed | $99,000 |
| 2025-11-28 | Listed | $105,000 |
| 2025-08-29 | Listing removed | $0 |
| 2025-07-29 | Listed | $99,000 |
| 2024-12-27 | Sold | $66,500 |
| 2022-08-03 | Listing removed | $0 |
| 2022-07-20 | Price Changed for rent | $995 |
| 2022-07-13 | Listed for rent | $950 |
| 2022-07-05 | Listing removed | $0 |
| 2022-06-30 | Listing removed | $0 |
| 2022-06-24 | Listed for rent | $950 |
| 2022-06-21 | Listing removed | $0 |
| 2022-06-18 | Listed for rent | $950 |
| 2022-06-06 | Listed for rent | $950 |
| 2022-05-16 | Listing removed | $0 |
| 2022-05-06 | Price Changed for rent | $950 |
| 2022-03-16 | Listed for rent | $995 |
| 2021-07-16 | Listing removed | $0 |
| 2021-06-23 | Listed for rent | $950 |
| 2021-06-22 | Listing removed | $0 |
| 2021-04-23 | Listed for rent | $950 |
Photo Gallery
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{
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{
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{
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{
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{
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"listing": {
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{
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{
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{
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},
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{
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{
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{
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{
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{
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{
"note": "Property has Central Heat. The fuel type is inferred as electric because the water heater and stove are both listed as electric. The 'Elec Heat: Ala Power' option was selected as it's the most common provider for Birmingham and the most expensive electric heating option on the schedule.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has Central Cooling (A/C). The 'A/C: Alabama Power' option was selected as it is the most common provider for Birmingham and the most expensive A/C option on the schedule.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has an electric water heater. The 'Elec: Ala Power' option was selected for consistency with other electric utilities and is the most expensive option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Property has an electric stove. The 'Elec: Ala Power' option was selected for consistency with other electric utilities and is the most expensive option.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Covers general electric use like lights. The property includes a refrigerator, so its usage is included in this line item. 'Lights, Ref, Etc.: Ala Power' was chosen for consistency and is the most expensive option.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has public water. The 'Water: Birmingham' option was selected as the property is located in Birmingham.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is connected to a public sewer service. The schedule provides a single fixed rate for sewer.",
"utility": "Sewer",
"allowance": 151
}
],
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"down_payment_amount": 16800.0,
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"effective_date": "2026-01-01"
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"section8_assessment": {
"runs": [
{
"summary": "This 3-bed/1-bath bungalow presents as a mostly renovated, cosmetically turn-key rental with clear appeal to tenants. Visible interior updates (flooring, paint, kitchen and bath) and included appliances favor a quick rental. Primary inspection risks are systems and safety: an older water heater located in the kitchen without a visible drain pan or enclosure, an older wall heater with cooling via window units (central HVAC not confirmed), potential electrical hazards (extension cord for window AC), and no visible smoke/CO detectors in photos. Exterior is fair but porch awning needs attention. Overall it is likely to pass a Housing Choice Voucher initial inspection after addressing safety/system items (installing/confirming smoke & CO detectors, ensuring water heater venting and pan/drip containment, resolving any electrical/GFCI deficiencies). Estimated readiness: minor-to-moderate repairs, likely rent-ready within 2–4 weeks with focused fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently renovated: new flooring throughout, fresh paint, renovated bathroom, updated kitchen cabinets/countertops and a functioning range shown. Cosmetic finish work remains (trim touch-ups, baseboard paint, small scuffs). Exterior front awning/porch metal cover is dented/sagging and front porch edge requires minor concrete/finish work. No severe visible deferred maintenance inside (no collapsed ceilings, major drywall damage, or exposed subfloor). Overall visible repair needs are minor and mostly cosmetic."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Several safety and NSPIRE items are unclear or concerning from photos: no smoke or CO detectors are visible in the living areas (not pictured), an extension cord is present at a window AC (possible improper use), and a gas/electric water heater is installed inside the kitchen work area without an obvious drain pan or dedicated enclosure. The front entry has a security screen/metal door and a deadbolt appears present, improving security. Windows look operable but bedroom egress cannot be confirmed from photos. No active roof leaks, severe mold, or collapsed ceilings are visible. The combination of missing visible detectors, potential electrical hazards (extension cord/window AC) and the water heater placement reduces this score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Water Heater)",
"score": 50.0,
"rationale": "Major systems are partially visible and present some risk. A gas/electric water heater is in the kitchen — it appears aged and lacks a visible drain pan; piping and vent are present but condition and code compliance are unknown. Heating appears to be an older wall furnace unit visible in the living area and cooling relies on window AC(s); central forced-air operation is not confirmed. Electric range is present and appears functional. Electrical panel, GFCI protection in kitchen/bath, and plumbing main shutoffs are not shown. Because the water heater condition/location and HVAC arrangement introduce potential repair or compliance needs, systems score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding appears intact though aged and in fair condition. Front porch and metal awning are serviceable but show deformation and will likely need repair or replacement for long-term durability. Concrete walkway is intact with minor settlement at porch edge. Yard is functional but slightly overgrown; detached storage building exists (positive rental amenity). No obvious foundation cracks, major drainage failures, or standing water visible in listing photos."
}
],
"red_flags": [
"Water heater located inside the kitchen footprint with no visible drain pan and appears aged (risk of leaks and code noncompliance).",
"No visible smoke detectors or carbon monoxide detectors in living areas or near sleeping areas in the photos provided.",
"Evidence of potentially improper electrical practice (extension cord powering window AC) — possible electrical hazard/insufficient outlets or circuits.",
"Heating/cooling system not clearly centralized (older wall heater + window ACs) — inspector may require proof of safe, operable heating for winter and adequate cooling depending on local policy."
],
"confidence": 0.6,
"assumptions": [
"Smoke and carbon monoxide detectors are not present or not visible in listing photos; assume they need installation or verification.",
"Central HVAC is not confirmed; assume heating is provided by the visible wall furnace and cooling by window AC(s).",
"Electrical panel and GFCI outlets are not photographed; assume some GFCI and panel work may be required until verified.",
"No active water leaks were visible in photos; assume plumbing fixtures and hot water function but water heater condition/age may require service or replacement.",
"Bedroom egress windows meet local egress standards unless otherwise found in an in-person inspection.",
"Detached storage building is present and usable but its condition/roofing was not fully inspected from provided photos."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA home appears cosmetically renovated and largely rent-ready, with new flooring, paint, updated kitchen and bathroom and a working range. Key inspection risks that could fail an initial HCV/NSPIRE check are absence of visible smoke and carbon monoxide detectors, unverified GFCI protection in kitchen/bath, and an older water heater with visible corrosion/vent connections that require review. HVAC/major electrical components were not shown; their operational status should be confirmed. With installation of required alarms, confirmation/repair of water‑heater venting and GFCI outlets, and a quick exterior/porch cleanup, the unit is likely to pass within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Photos and listing show a recent interior refresh: new-looking LVP flooring, fresh paint, renovated bathroom and updated kitchen cabinets/countertops. Stove is present; refrigerator is not shown. Minor cosmetic deficiencies visible: scuffed trim, unfinished edges at base of cabinets, window AC unit with trailing cord, awning/porch trim dented and weathered, and some exterior paint/wear. No large areas of collapsed finishes or exposed subfloor were observed. Overall mostly cosmetic and turnkey with a few finish items and a missing fridge likely required prior to move-in."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 50.0,
"rationale": "Critical safety devices are not visible in the photos: no smoke detectors and no carbon monoxide alarm were observed (CO alarm required where gas appliances are present). Kitchen GFCI protection is not visible and should be confirmed. The entry door appears to have a lock and deadbolt. Windows appear operable but bedroom window egress is not verifiable from the photos. Water heater and a gas-fired wall heater are present — both require proper venting and CO protection. No obvious active leaks, standing water, collapsed ceilings, or severe mold stains were observed, but the visible older water heater and venting junctions represent a potential code/safety check. These issues are inspection risks that can cause a fail if detectors/GFCI are missing or if venting/CO is non-compliant."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 55.0,
"rationale": "Major systems are partially visible: an electric range is installed, plumbing fixtures and sink appear functional, and a water heater is present. The water heater shows surface rust/age and exposed vent/gas connections visible at the top; condition suggests service or replacement may be required. HVAC is not clearly shown — ceiling/registers and a wall heater are visible, indicating some form of forced-air and/or gas wall heat, but a central furnace is not photographed and operational status is unknown. Electrical panel and full electrical distribution were not shown. Because key systems are present but their operational condition and code compliance (venting, CO, electrical bonding, GFCI) are unverified, there is moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior shows a standing single-family structure with intact siding and roofline visible from the front; no major roof collapse or large visible roof damage in photos. The front porch slab has an exposed edge with soil visible beneath (cosmetic/short-term settlement) and the metal awning is dented/aged. Walkway is serviceable. Yard is maintained but not manicured. Enclosed rear/side sunroom/porch floor appears intact. A detached storage building is mentioned in the listing but not photographed. No visible major foundation cracks, significant grading/standing water, or unsafe stairs were observed in provided images."
}
],
"red_flags": [
"No visible smoke detectors in photographed areas (required)",
"No visible carbon monoxide detector while gas-fired water heater and gas heater are present (required)",
"Aging water heater with surface corrosion and visible vent/gas connections — potential gas venting issue requiring inspection",
"No visible GFCI protection in kitchen area — potential electrical code failure on inspection"
],
"confidence": 0.65,
"assumptions": [
"Bedrooms exist as listed (3) and have windows; bedroom egress windows are assumed typical for 1935 build but their exact sash size/egress compliance is unverified from photos.",
"Listing text is accurate about a fully renovated bathroom and updated kitchen; interior photos corroborate this but detailed plumbing/hot water operation was not tested in images.",
"Heating is present (wall heater and ceiling vents observed) but central HVAC mechanical condition and functionality are unverified.",
"Electrical panel location and condition were not shown; assume the property has an operational electrical service but GFCI protection in kitchen/bath must be confirmed.",
"No refrigerator is visible in photos; assume landlord will provide or tenant will supply per local practice—missing fridge is a moderate rental-readiness item, not an automatic fail.",
"Detached storage building exists per listing though not pictured.",
"No active roof leaks, major foundation movement, or collapsed ceilings are present beyond what is visible; photos show no severe structural deterioration."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/1BA bungalow presents as a cosmetically renovated, mostly rent-ready unit with updated finishes and a working range. Primary inspection risks are missing/ not-visible life-safety devices (smoke and CO alarms), unclear GFCI protection in the kitchen, an aged water heater located in the kitchen without a visible drain pan, and limited documentation of the main heating/AC and electrical panel. These safety/system items will likely require correction before passing an initial NSPIRE HCV inspection; addressing detectors, adding GFCI protection, verifying/servicing the water heater and confirming proper HVAC/electrical conditions should make the property passable within a short repair cycle (days to a few weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Interior appears recently renovated: new-looking plank flooring, fresh paint, updated kitchen cabinets/countertops and a renovated bathroom per listing. Stove is present; no refrigerator shown but missing fridge is not a fatal defect. Visible cosmetic issues: minor trim damage around door thresholds, scuffed baseboards, and exterior awning/porch trim is dented and sagging. Overall finishes are in good tenant-ready condition; remaining items are mostly minor/finish work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 54.0,
"rationale": "Several NSPIRE safety items are not documented or not visible: no smoke detectors or carbon monoxide alarm visible in photos (required where fuel-burning appliances present), GFCI protection in the kitchen is not evident, and bedroom egress windows are not verifiable from provided images. The front door shows a security/metal screen and a deadbolt-looking lockset (may be acceptable) but the porch step edge shows a small drop that could be a trip hazard. No obvious active water stains or major ceiling damage were observed. Because missing detectors/GFCI are common automatic inspection fails, this reduces the score despite generally good cosmetic condition."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 62.0,
"rationale": "Major systems are partially visible: a gas/fluid‑fired water heater is installed inside the kitchen area and appears aged with surface rust; there is visible venting and a small expansion tank present. A wall‑mounted gas wall heater (or wall furnace) and ceiling/duct vents are visible, and window A/Cs are present for cooling. No furnaces, electrical panel, or intact HVAC unit were photographed, and the water heater sits without a visible drain pan (leak risk). Electrical service and panel condition are unknown. Systems appear functional but aged and will need verification, safety clearances, and likely minor service."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 68.0,
"rationale": "Exterior siding and roof appear generally intact from the front elevation; no visible major roof collapse or large missing sections in photos. The covered front porch awning is dented/sagging and the porch edge has exposed soil/uneven transition (trip hazard). Yard is modest and shows no standing water or active sinkholes. The enclosed side/back porch shows weathered wood but intact. Foundation visible at porch appears stable with no obvious sagging in provided photos. Overall exterior needs minor repairs but no immediate structural failure visible."
}
],
"red_flags": [
"No visible smoke detectors (required) and no visible carbon monoxide alarm (required when fuel-burning appliances present)",
"No visible GFCI protection in kitchen outlets (likely NSPIRE fail)",
"Gas/water heater located in kitchen area shows surface rust and no visible drain pan — leak and safety risk",
"Front porch awning sagging and uneven porch/step edge creating a trip hazard"
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or carbon monoxide alarms are installed or visible in the photos; assume none are present unless provided separately.",
"Water heater is gas-fired based on visible vent piping and labels; assume fuel-burning appliances are present and CO alarm is required.",
"The wall unit visible in living area is a gas wall heater or furnace; there is no photographed central furnace but ceiling/duct vents suggest some ducting.",
"Electrical panel location and overall electrical condition are not shown; assume service is older and will need standard verification by an electrician.",
"Bedrooms and their windows/egress are not specifically photographed; assume typical older-house windows exist but egress compliance is unverified.",
"Refrigerator is not pictured; listing stove present. Missing fridge is assumed absent or removable and is a moderate repair item only.",
"Roof above photographed facade appears intact with no evidence of active leakage inside; assume no active roof leaks unless interior stains are later observed."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1825 18th Street Ensley, Birmingham, AL, 35218",
"aggregate": {
"summary": "This 3-bed/1-bath bungalow presents as a mostly renovated, cosmetically turn-key rental with clear appeal to tenants. Visible interior updates (flooring, paint, kitchen and bath) and included appliances favor a quick rental. Primary inspection risks are systems and safety: an older water heater located in the kitchen without a visible drain pan or enclosure, an older wall heater with cooling via window units (central HVAC not confirmed), potential electrical hazards (extension cord for window AC), and no visible smoke/CO detectors in photos. Exterior is fair but porch awning needs attention. Overall it is likely to pass a Housing Choice Voucher initial inspection after addressing safety/system items (installing/confirming smoke & CO detectors, ensuring water heater venting and pan/drip containment, resolving any electrical/GFCI deficiencies). Estimated readiness: minor-to-moderate repairs, likely rent-ready within 2–4 weeks with focused fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Interior appears recently renovated: new flooring throughout, fresh paint, renovated bathroom, updated kitchen cabinets/countertops and a functioning range shown. Cosmetic finish work remains (trim touch-ups, baseboard paint, small scuffs). Exterior front awning/porch metal cover is dented/sagging and front porch edge requires minor concrete/finish work. No severe visible deferred maintenance inside (no collapsed ceilings, major drywall damage, or exposed subfloor). Overall visible repair needs are minor and mostly cosmetic."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 69.3,
"rationale": "Exterior siding appears intact though aged and in fair condition. Front porch and metal awning are serviceable but show deformation and will likely need repair or replacement for long-term durability. Concrete walkway is intact with minor settlement at porch edge. Yard is functional but slightly overgrown; detached storage building exists (positive rental amenity). No obvious foundation cracks, major drainage failures, or standing water visible in listing photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 53.0,
"rationale": "Several safety and NSPIRE items are unclear or concerning from photos: no smoke or CO detectors are visible in the living areas (not pictured), an extension cord is present at a window AC (possible improper use), and a gas/electric water heater is installed inside the kitchen work area without an obvious drain pan or dedicated enclosure. The front entry has a security screen/metal door and a deadbolt appears present, improving security. Windows look operable but bedroom egress cannot be confirmed from photos. No active roof leaks, severe mold, or collapsed ceilings are visible. The combination of missing visible detectors, potential electrical hazards (extension cord/window AC) and the water heater placement reduces this score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Water Heater)",
"score": 55.7,
"rationale": "Major systems are partially visible and present some risk. A gas/electric water heater is in the kitchen — it appears aged and lacks a visible drain pan; piping and vent are present but condition and code compliance are unknown. Heating appears to be an older wall furnace unit visible in the living area and cooling relies on window AC(s); central forced-air operation is not confirmed. Electric range is present and appears functional. Electrical panel, GFCI protection in kitchen/bath, and plumbing main shutoffs are not shown. Because the water heater condition/location and HVAC arrangement introduce potential repair or compliance needs, systems score is moderate."
}
],
"red_flags": [
"Water heater located inside the kitchen footprint with no visible drain pan and appears aged (risk of leaks and code noncompliance).",
"No visible smoke detectors or carbon monoxide detectors in living areas or near sleeping areas in the photos provided.",
"Evidence of potentially improper electrical practice (extension cord powering window AC) — possible electrical hazard/insufficient outlets or circuits.",
"Heating/cooling system not clearly centralized (older wall heater + window ACs) — inspector may require proof of safe, operable heating for winter and adequate cooling depending on local policy."
],
"confidence": 0.94,
"assumptions": [
"Smoke and carbon monoxide detectors are not present or not visible in listing photos; assume they need installation or verification.",
"Central HVAC is not confirmed; assume heating is provided by the visible wall furnace and cooling by window AC(s).",
"Electrical panel and GFCI outlets are not photographed; assume some GFCI and panel work may be required until verified.",
"No active water leaks were visible in photos; assume plumbing fixtures and hot water function but water heater condition/age may require service or replacement.",
"Bedroom egress windows meet local egress standards unless otherwise found in an in-person inspection.",
"Detached storage building is present and usable but its condition/roofing was not fully inspected from provided photos."
],
"score_method": "mean_of_criteria",
"overall_score": 64.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8241676812"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.