Property ID: 8261345192
1924 Clover Dr, Birmingham, AL, 35214
Birmingham, AL
Money Down: $31,200
CoC Return: 3.17%
Monthly Cash Flow: $82
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,000
Closing Costs
$5,200
Total Down
$31,200
Investment Snapshot
Purchase Price
$130,000
Money Down
$31,200
Cash-on-Cash Return
3.17%
Rent
$1,003
Monthly Cash Flow
$82
Annual Cash Flow
$990
Debt Service / Mo
$692
Property Tax / Mo
$56
Insurance / Mo
$73
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,003
Payment Standard
$1,518
Rent
$1,003
Insurance
$73
Property Tax
$56
Management
$100
Utilities Allowance
$515
NOI (Monthly)
$774
Debt Service
$692
Cash Flow After Debt
$82
Quality Score: 69.20%
Confidence: 91.00%
Overall this single-family home shows mostly cosmetic deferred maintenance and appears close to rent-ready. Interior finishes and kitchen upgrades are in good shape; primary risks are unverified life-safety items (smoke/CO detectors and GFCI at kitchen sink), and unknown operational status of major systems (HVAC, water heater, electrical panel). With basic safety verifications and a short list of minor repairs/cleaning, the property is likely able to pass an initial HCV/NSPIRE inspection within 2–6 weeks.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$1,003
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$130,000
Beds
3
Baths
2
Living Area
1,078 sqft
Lot Size
7,841 sqft
Year Built
1992
Days on Market
39
Capital Outlay
$31,200
Debt Service
$692
Property Tax / Mo
$56
Insurance / Mo
$73
Property Description
Looking for your first home? This one checks the boxes-affordable, practical, and ready for your personal touch. A great entry point into a growing area.
Utility Allowances
Heating
$93
Property has central heating. Based on the electric stove and electric water heater specified in the property details, electric heating is the most probable fuel source. 'Ala Power' is selected as a major provider in the area and is the most expensive electric heating option.
Cooling
$22
Property is listed as having Central Air Conditioning, which is electric. 'Ala Power' is selected to be consistent with other electric utility choices and is the most expensive option.
Cooking
$21
Property details explicitly list an 'Electric Oven' and 'Stove-Electric', indicating an electric cooking source. 'Ala Power' is selected to be consistent with other electric utilities.
Water Heating
$56
Property details explicitly list an 'Electric Water Heater'. 'Ala Power' is selected to be consistent with other electric utilities and is the most expensive option.
Other Electric
$68
This covers general electricity for lights and outlets. The selected schedule item explicitly includes an allowance for a tenant-owned refrigerator ('Ref'), as one is not listed as provided. 'Ala Power' is selected for consistency.
Range / Microwave
$6
A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned. This allowance is for a tenant-provided microwave.
Water
$78
Property details state 'Public Water'. 'Water: Birmingham' is selected as the property is located in Birmingham.
Sewer
$151
Property details indicate 'Sewer Connected'. The allowance is based on the fixed rate provided in the schedule.
Trash Collection
$20
The property is in Birmingham. As there is no specific 'Birmingham' trash collection option, the 'Jefferson City' option is a reasonable choice for a city within Jefferson County.
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$722
DP3 Annual Estimate$1,022
DP1 Monthly Equivalent$60
DP3 Monthly Equivalent$85
Replacement Value$91,800
Basis1,078 sqft / 1992
Nearby Houses
Photo unavailable
1928 Clover Dr
sold · 0.01 mi
Price: $78,689
3 bd / 2 ba
Latest sale: $78,689 on Sep 16, 2016
Latest rent: —
Photo unavailable
1916 Clover Dr
sold · 0.02 mi
Price: $139,900
3 bd / 3 ba · 1,880 sqft
Latest sale: $139,900 on Jun 18, 2020
Latest rent: —
Photo unavailable
1949 Linden Dr
sold · 0.03 mi
Price: $195,000
3 bd / 3 ba · 1,500 sqft
Latest sale: $195,000 on May 16, 2025
Latest rent: —
Photo unavailable
1912 Clover Dr
sold · 0.03 mi
Price: $106,500
3 bd / 2 ba · 1,021 sqft
Latest sale: $106,500 on Oct 31, 2018
Latest rent: —
Photo unavailable
1965 Linden Dr
sold · 0.04 mi
Price: $142,000
3 bd / 2 ba · 1,200 sqft
Latest sale: $142,000 on Oct 20, 2023
Latest rent: —
Photo unavailable
1904 Huntington Cir
sold · 0.06 mi
Price: $139,900
4 bd / 2 ba · 1,020 sqft
Latest sale: $139,900 on Jul 12, 2019
Latest rent: —
Photo unavailable
1907 Clover Dr
sold · 0.06 mi
Price: $150,000
3 bd / 3 ba · 1,840 sqft
Latest sale: $150,000 on Jul 31, 2025
Latest rent: —
Photo unavailable
1973 Linden Dr
sold · 0.06 mi
Price: $131,600
3 bd / 2 ba · 1,286 sqft
Latest sale: $131,600 on Jun 25, 2021
Latest rent: $1,325 on Jan 05, 2026
Photo unavailable
1964 Linden Dr
sold · 0.06 mi
Price: $86,250
3 bd / 2 ba · 1,020 sqft
Latest sale: $86,250 on Aug 23, 2019
Latest rent: $1,200 on Nov 06, 2019
Photo unavailable
1929 Linden Dr
sold · 0.07 mi
Price: $140,000
3 bd / 2 ba · 1,212 sqft
Latest sale: $140,000 on Jul 03, 2024
Latest rent: $1,250 on May 05, 2023
Photo unavailable
1977 Linden Dr
sold · 0.07 mi
Price: $190,000
3 bd / 2 ba · 1,619 sqft
Latest sale: $190,000 on Apr 30, 2025
Latest rent: —
Photo unavailable
1972 Linden Dr
sold · 0.08 mi
Price: $117,400
3 bd / 2 ba · 990 sqft
Latest sale: $117,400 on Sep 20, 2018
Latest rent: —
Photo unavailable
1981 Linden Dr
sold · 0.08 mi
Price: $97,000
3 bd / 2 ba · 1,158 sqft
Latest sale: $97,000 on Oct 22, 2021
Latest rent: $1,200 on Dec 11, 2021
Photo unavailable
1957 Castleberry Way
sold · 0.08 mi
Price: $150,000
4 bd / 2 ba · 1,584 sqft
Latest sale: $150,000 on May 11, 2021
Latest rent: —
Photo unavailable
1925 Huntington Ln
sold · 0.10 mi
Price: $154,000
4 bd / 2 ba · 1,573 sqft
Latest sale: $154,000 on Aug 10, 2021
Latest rent: $1,595 on Nov 14, 2025
Photo unavailable
1956 Clover Dr
sold · 0.10 mi
Price: $185,000
3 bd / 2 ba · 1,425 sqft
Latest sale: $185,000 on Sep 22, 2025
Latest rent: —
Photo unavailable
1933 Huntington Ln
sold · 0.10 mi
Price: $200,000
3 bd / 3 ba · 1,901 sqft
Latest sale: $200,000 on Oct 20, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Bedrooms and required egress windows exist and are functional but are not shown in photos.
- Central HVAC and water heater are present in the home (typical for home year-built) but not visible in provided images; their operational status is unknown.
- Electrical panel location and condition are not visible; no obvious exposed wiring observed inside the photographed areas.
- At least one smoke/CO alarm device is present (a small white device visible near kitchen), but placement in bedrooms/hallway and battery/test condition are not confirmed.
- GFCI protection at the kitchen sink outlet is not clearly identifiable from photos and may be upstream or missing; this requires on-site verification.
- No active roof leaks, major foundation movement, mold growth, or severe water intrusion exist beyond what is visible; photos show no staining or sagging.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $648 | $116,000 | $10,620 |
| 2023 | $648 | $99,400 | $9,940 |
| 2022 | $498 | $78,600 | $7,860 |
| 2021 | $498 | $78,600 | $7,860 |
| 2020 | $498 | $78,600 | $7,860 |
| 2019 | $498 | $78,600 | $7,860 |
| 2018 | $516 | $81,200 | $8,120 |
| 2017 | $516 | $81,200 | $8,120 |
| 2016 | $516 | $81,200 | $8,120 |
| 2015 | $516 | $81,200 | $8,120 |
| 2013 | $490 | $80,200 | $8,020 |
| 2012 | $503 | $81,950 | $8,195 |
| 2011 | $510 | $83,100 | $8,310 |
| 2010 | $510 | $83,100 | $8,310 |
| 2009 | $510 | $83,100 | $8,310 |
| 2008 | $522 | $84,800 | $8,480 |
| 2007 | $516 | $83,900 | $8,390 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2006-07-12 | Sold | $90,000 |
Photo Gallery
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"mortgage_monthly": 691.91,
"payment_standard": 1518.0,
"total_amount_out": 26000.0,
"additional_photos": [
"https://ap.rdcpix.com/64b6bccdf8a0981a65fd11b65046a33cl-m4234522470s-w1280.jpg",
"https://ap.rdcpix.com/64b6bccdf8a0981a65fd11b65046a33cl-m1748982871s-w1280.jpg",
"https://ap.rdcpix.com/64b6bccdf8a0981a65fd11b65046a33cl-m3652244254s-w1280.jpg",
"https://ap.rdcpix.com/64b6bccdf8a0981a65fd11b65046a33cl-m1508840282s-w1280.jpg",
"https://ap.rdcpix.com/64b6bccdf8a0981a65fd11b65046a33cl-m378602108s-w1280.jpg",
"https://ap.rdcpix.com/64b6bccdf8a0981a65fd11b65046a33cl-m137617139s-w1280.jpg",
"https://ap.rdcpix.com/64b6bccdf8a0981a65fd11b65046a33cl-m2524731934s-w1280.jpg",
"https://ap.rdcpix.com/64b6bccdf8a0981a65fd11b65046a33cl-m1155103278s-w1280.jpg",
"https://ap.rdcpix.com/64b6bccdf8a0981a65fd11b65046a33cl-m1955890849s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 72.67,
"monthly_cash_flow": 774.41,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating. Based on the electric stove and electric water heater specified in the property details, electric heating is the most probable fuel source. 'Ala Power' is selected as a major provider in the area and is the most expensive electric heating option.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property is listed as having Central Air Conditioning, which is electric. 'Ala Power' is selected to be consistent with other electric utility choices and is the most expensive option.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property details explicitly list an 'Electric Oven' and 'Stove-Electric', indicating an electric cooking source. 'Ala Power' is selected to be consistent with other electric utilities.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property details explicitly list an 'Electric Water Heater'. 'Ala Power' is selected to be consistent with other electric utilities and is the most expensive option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This covers general electricity for lights and outlets. The selected schedule item explicitly includes an allowance for a tenant-owned refrigerator ('Ref'), as one is not listed as provided. 'Ala Power' is selected for consistency.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned. This allowance is for a tenant-provided microwave.",
"utility": "Range / Microwave",
"allowance": 6
},
{
"note": "Property details state 'Public Water'. 'Water: Birmingham' is selected as the property is located in Birmingham.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details indicate 'Sewer Connected'. The allowance is based on the fixed rate provided in the schedule.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is in Birmingham. As there is no specific 'Birmingham' trash collection option, the 'Jefferson City' option is a reasonable choice for a city within Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.36,
"down_payment_amount": 26000.0,
"property_tax_annual": 667.44,
"property_tax_monthly": 55.62,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 989.98,
"property_management_monthly": 100.3,
"monthly_cash_flow_after_debt": 82.5,
"cash_on_cash_return_after_debt": 0.04
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single-family home shows mostly cosmetic deferred maintenance and appears close to rent-ready. Interior finishes and kitchen upgrades are in good shape; primary risks are unverified life-safety items (smoke/CO detectors and GFCI at kitchen sink), and unknown operational status of major systems (HVAC, water heater, electrical panel). With basic safety verifications and a short list of minor repairs/cleaning, the property is likely able to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior finishes are generally in good condition: recent-looking vinyl plank flooring, intact baseboards, updated kitchen cabinetry and stainless appliances present. Visible issues are cosmetic: scuff marks and small wall holes from mounts, clutter, worn paint on entry steps/railings, and minor trim wear. Missing or worn window/door trim at the kitchen window and some cabinet trim gaps are noted but are easy/typical repair items. No evidence of exposed subflooring or collapsed finishes."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life‑safety hazards visible. Entry door shows a deadbolt (photo) and handrail present at front steps. No exposed wiring or broken stairs visible. Smoke/CO devices are not clearly documented — a small white device is visible near the kitchen/dining area but detectors in bedrooms/hallway are not shown. GFCI protection at kitchen sink is not clearly identifiable in photos. Bedroom egress windows are not shown. Plumbing fixtures appear intact and no active leaks or mold are visible. Because key safety items (detectors, GFCI, bedroom egress) cannot be fully confirmed from photos, there is moderate NSPIRE risk that will need quick verification/installation."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Kitchen appliances (range, microwave, refrigerator) appear present and in good visual condition. No HVAC equipment, thermostat, water heater, electrical panel, or visible mechanical service components are shown in the photos. Roofline appears even and shingles look intact from frontal photo (no visible sag or active leak staining). Because central systems (HVAC, water heater, main electrical) are unverified, there is uncertainty about operational condition — likely functional given recent interior updates but requires verification/maintenance. This uncertainty reduces the score."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.0,
"rationale": "Exterior siding and roof appear intact without visible major damage; foundation crawlspace vents visible and no large foundation cracks are evident from photos. Driveway and walkway are serviceable. Front steps and railing are present though paint/wear and a small gap beneath steps suggest cosmetic attention. No standing water, major erosion, or evidence of infestation observed in exterior photos."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Bedrooms and required egress windows exist and are functional but are not shown in photos.",
"Central HVAC and water heater are present in the home (typical for home year-built) but not visible in provided images; their operational status is unknown.",
"Electrical panel location and condition are not visible; no obvious exposed wiring observed inside the photographed areas.",
"At least one smoke/CO alarm device is present (a small white device visible near kitchen), but placement in bedrooms/hallway and battery/test condition are not confirmed.",
"GFCI protection at the kitchen sink outlet is not clearly identifiable from photos and may be upstream or missing; this requires on-site verification.",
"No active roof leaks, major foundation movement, mold growth, or severe water intrusion exist beyond what is visible; photos show no staining or sagging."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely cosmetic-ready with a recent-looking interior remodel in the kitchen and new-look flooring. There are no obvious structural failures or life‑threatening hazards in the photos. Primary inspection risks are unverified mechanicals (HVAC, water heater, electrical panel), uncertain smoke/CO detector coverage and probable lack of GFCI protection on kitchen countertop outlets. With verification of mechanical operation, installation/verification of required detectors, and correction of any GFCI issues and minor finish repairs, the home would likely pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior shows mostly cosmetic wear: scuffs, small wall holes, clutter and a patched/painted ceiling area. Vinyl plank floors appear recently replaced and in good condition. Kitchen has updated cabinets, countertops, tile backsplash and stainless appliances (range, microwave, refrigerator) visible — missing dishwasher but not required. Exterior siding and roof appear intact from photos with only minor skirting gaps at foundation vents. Overall repairs are mostly cosmetic and finish-level; moderate cleaning, paint touch-ups, outlet cover replacements and minor carpentry will make unit rental-ready."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible major mold). A smoke/CO device is visible on an interior wall (one unit pictured) but whole‑house smoke/CO coverage and placement near sleeping rooms cannot be confirmed. Kitchen countertop outlets near sink do not show clear GFCI protection in photos (kitchen GFCI is a common NSPIRE fail). Entry door appears to have a lockset and likely a deadbolt, and living area ceiling fans are present. Some exposed low-voltage/tv cables and an exterior cable near the front window are visible but not clearly hazardous. Bedroom egress windows and electrical panel location/condition are not shown and therefore unverified — these are common inspection items that could require remediation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "No mechanical systems (HVAC unit, water heater, electrical panel) are visible in the provided photos. Roof shingles appear serviceable with no visible sagging or active leaks; however the presence and operational condition of central heating/air, water heater and electrical service are unverified. Kitchen appliances shown are modern and likely functional (electric range and microwave). Because mechanicals are not documented, treat as moderate risk that will require verification and possible service/maintenance before inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior envelope (vinyl siding, roofline) looks generally intact with no visible major foundation cracks; crawlspace/vent openings present. Front steps have a railing; driveway and yard are serviceable though grass is unmaintained. No evidence of standing water, severe erosion or infestation in the photos. Minor skirting/soffit gaps and general yard cleanup are needed but these are repairable and not immediate inspection failures."
}
],
"red_flags": [
"GFCI protection for kitchen countertop outlets not evident in photos — likely NSPIRE fail if absent.",
"Smoke/CO detector coverage not verified — only one detector/device visible; lack of properly located/working alarms could fail inspection.",
"Major mechanicals (HVAC, water heater, electrical panel) not shown — failure/absence would be an inspection-fail risk if not operational.",
"Ceiling has patched/painted area that could indicate past water intrusion — needs verification for active leaks."
],
"confidence": 0.6,
"assumptions": [
"Photos are representative of the whole unit; bedrooms and bathrooms (not shown) are in similar, livable condition.",
"Utilities (electric, water) are connected and functional though equipment (HVAC, water heater, electrical panel) were not photographed.",
"Appliances shown in photos (refrigerator, electric range, microwave) are included and functional at move‑in unless otherwise noted in listing.",
"No active roof leaks or hidden structural issues beyond what is visible in photos (ceiling shows a paint/patch area but not sagging).",
"Bedrooms have code‑compliant egress windows (not pictured) typical of a 1992 single‑family home unless otherwise discovered at inspection."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this single-family home appears to be in generally good, mostly move-in condition with updated-looking floors and kitchen. Most items visible are cosmetic or small repairs (cleaning, paint, trim/threshold work). Primary NSPIRE risks to verify before a guaranteed pass are: presence/placement and working condition of smoke detectors and CO alarms, verification of GFCI protection at kitchen/bath outlets, and on-site confirmation that HVAC, water heater, and electrical panel are operational and safe. With those verifications and likely minor fixes, the property is likely rent-ready within 30 days and should pass an initial HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior photos show generally good cosmetic condition: recent-looking LVP flooring throughout, intact baseboards, updated-looking kitchen cabinets, counters and appliances (stove, microwave, refrigerator). Visible issues are cosmetic or minor: scattered clutter, scuff marks and small wall holes from mounts, slightly worn door thresholds and trim, and a few areas that need cleaning/paint touch-up. No evidence of exposed subfloor, large drywall collapse, or major interior finish failure. Missing or damaged small items (threshold, minor trim) are easy-to-fix capital items and do not appear to be pervasive."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life-safety hazards visible (no collapsed ceilings, no standing water, no visible severe mold). Entry door has a deadbolt and knob visible. Small exterior porch/steps have a handrail. However there is no clearly visible ceiling-mounted smoke detector in the living area photos (only a small wall-mounted alarm-looking device near kitchen which may or may not be a smoke/CO alarm). Kitchen outlets at the countertop are visible but it's not possible to verify GFCI protection from photos; one counter outlet near the sink appears to be a standard receptacle which could require upgrade or confirmation of GFCI protection. Bedroom egress windows are not shown; front windows look adequate but bedrooms must be confirmed. No exposed live wiring seen (loose coax/TV cable only). Because detectors and GFCI are common inspection failure points and cannot be confirmed, this raises moderate NSPIRE risk but is likely fixable within days."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "Roof and siding visible in exterior photo appear intact with no obvious sagging or missing shingles. Interior shows functioning kitchen plumbing fixtures (double sink) and modern stainless appliances, suggesting utilities are active. HVAC equipment, water heater, and electrical panel are not shown, so operational status must be verified; absence of visible HVAC equipment is a moderate unknown. No visible signs of active water intrusion or major plumbing failure in rooms shown. Given the age (1992) and apparent maintenance level, systems likely functional but need on-site verification (HVAC operation, hot water, electrical panel condition)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 75.0,
"rationale": "Exterior shows intact siding, functioning foundation venting, and an asphalt shingle roof in generally acceptable condition with no visible large-scale damage. Driveway and walkway appear serviceable; front steps have a handrail. Yard is sloped but not showing erosion or standing water in photos. Some exterior paint/weathering and minor maintenance (cleaning gutters, paint touch-up, possible skirting repair) would improve curb condition but are not structural failures. No visible evidence of infestation or foundation cracking in provided images."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Property is occupied or was recently occupied and utilities (electricity and water) are on for photo staging.",
"HVAC and water heater are present and operational but not shown in photos — this must be verified on-site.",
"Smoke detectors and carbon monoxide detectors are either missing or not clearly visible in photos and should be verified/installed per code.",
"Kitchen outlets visible may not be GFCI-protected at the countertop; assume GFCI protection may be required unless panel-protected.",
"Bedrooms (not photographed) have required egress windows; if any bedroom lacks proper egress, that would be an NSPIRE fail.",
"No unseen major structural or roof issues exist behind the areas shown; photos show no evidence of sagging, active leaks, or major foundation movement.",
"Minor cosmetic items (wall holes, scuffs, threshold wear) will be repaired as part of turnover and are considered easy capital fixes."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1924 Clover Dr, Birmingham, AL, 35214",
"aggregate": {
"summary": "Overall this single-family home shows mostly cosmetic deferred maintenance and appears close to rent-ready. Interior finishes and kitchen upgrades are in good shape; primary risks are unverified life-safety items (smoke/CO detectors and GFCI at kitchen sink), and unknown operational status of major systems (HVAC, water heater, electrical panel). With basic safety verifications and a short list of minor repairs/cleaning, the property is likely able to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 76.7,
"rationale": "Interior finishes are generally in good condition: recent-looking vinyl plank flooring, intact baseboards, updated kitchen cabinetry and stainless appliances present. Visible issues are cosmetic: scuff marks and small wall holes from mounts, clutter, worn paint on entry steps/railings, and minor trim wear. Missing or worn window/door trim at the kitchen window and some cabinet trim gaps are noted but are easy/typical repair items. No evidence of exposed subflooring or collapsed finishes."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 71.7,
"rationale": "Exterior siding and roof appear intact without visible major damage; foundation crawlspace vents visible and no large foundation cracks are evident from photos. Driveway and walkway are serviceable. Front steps and railing are present though paint/wear and a small gap beneath steps suggest cosmetic attention. No standing water, major erosion, or evidence of infestation observed in exterior photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life‑safety hazards visible. Entry door shows a deadbolt (photo) and handrail present at front steps. No exposed wiring or broken stairs visible. Smoke/CO devices are not clearly documented — a small white device is visible near the kitchen/dining area but detectors in bedrooms/hallway are not shown. GFCI protection at kitchen sink is not clearly identifiable in photos. Bedroom egress windows are not shown. Plumbing fixtures appear intact and no active leaks or mold are visible. Because key safety items (detectors, GFCI, bedroom egress) cannot be fully confirmed from photos, there is moderate NSPIRE risk that will need quick verification/installation."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 61.7,
"rationale": "Kitchen appliances (range, microwave, refrigerator) appear present and in good visual condition. No HVAC equipment, thermostat, water heater, electrical panel, or visible mechanical service components are shown in the photos. Roofline appears even and shingles look intact from frontal photo (no visible sag or active leak staining). Because central systems (HVAC, water heater, main electrical) are unverified, there is uncertainty about operational condition — likely functional given recent interior updates but requires verification/maintenance. This uncertainty reduces the score."
}
],
"red_flags": [],
"confidence": 0.91,
"assumptions": [
"Bedrooms and required egress windows exist and are functional but are not shown in photos.",
"Central HVAC and water heater are present in the home (typical for home year-built) but not visible in provided images; their operational status is unknown.",
"Electrical panel location and condition are not visible; no obvious exposed wiring observed inside the photographed areas.",
"At least one smoke/CO alarm device is present (a small white device visible near kitchen), but placement in bedrooms/hallway and battery/test condition are not confirmed.",
"GFCI protection at the kitchen sink outlet is not clearly identifiable from photos and may be upstream or missing; this requires on-site verification.",
"No active roof leaks, major foundation movement, mold growth, or severe water intrusion exist beyond what is visible; photos show no staining or sagging."
],
"score_method": "mean_of_criteria",
"overall_score": 69.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8261345192"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.