Property ID: 8262394936
827 60th St, Fairfield, AL, 35064
Fairfield, AL
Money Down: $16,776
CoC Return: 25.75%
Monthly Cash Flow: $360
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$13,980
Closing Costs
$2,796
Total Down
$16,776
Investment Snapshot
Purchase Price
$69,900
Money Down
$16,776
Cash-on-Cash Return
25.75%
Rent
$1,063
Monthly Cash Flow
$360
Annual Cash Flow
$4,319
Debt Service / Mo
$372
Property Tax / Mo
$145
Insurance / Mo
$80
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,063
Payment Standard
$1,584
Rent
$1,063
Insurance
$80
Property Tax
$145
Management
$106
Utilities Allowance
$521
NOI (Monthly)
$732
Debt Service
$372
Cash Flow After Debt
$360
Quality Score: 60.10%
Confidence: 81.00%
Moderate-risk property for a first Section 8 inspection. The building shell and main-level rooms appear structurally sound and hardwood floors are in decent condition, but moderate interior repairs and safety fixes are required: clean/rehab two bathrooms, repair cabinet doors and interior wall holes, confirm and install required smoke/CO detectors, and verify HVAC, water heater and electrical systems. With targeted repairs and verification of systems, this could pass an initial NSPIRE/HCV inspection within 30–60 days.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$521
Guaranteed Section 8 Rent (PS - Utilities)
$1,063
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$69,900
Beds
3
Baths
2
Living Area
1,650 sqft
Lot Size
6,534 sqft
Year Built
1965
Days on Market
130
Capital Outlay
$16,776
Debt Service
$372
Property Tax / Mo
$145
Insurance / Mo
$80
Property Description
Investors don't let this one get away. Spacious brick one level on large homesite, hardwood floors, open floorplan with den having fireplace. 3 bedrooms and 2 bathrooms on main level with bath in basement, room in basement to finish more rooms. Great investor rental or first time homebuyer
Utility Allowances
Heating
$93
Property info states 'No Heat' and 'No Air', but 'Electric Heat' is assumed as a baseline for a residential property in this climate. The 'Ala Power' provider was chosen as it is a major regional provider and the most expensive option, ensuring a conservative allowance.
Cooking
$21
Property listing specifies an 'Stove-Electric'. The 'Ala Power' option was chosen as it is a major regional provider and the most expensive electric cooking option.
Cooling
$0
Property listing explicitly states 'Cooling Features: No Air'. Therefore, no allowance is provided.
Water Heating
$56
Inferred electric water heating to be consistent with the specified electric stove. The 'Ala Power' option was chosen as it is a major regional provider and the most expensive option.
Other Electric
$68
This is a standard utility for any residence. The 'Ala Power' option was chosen for consistency with other selected electric utilities.
Water
$78
Property listing specifies 'Public Water'. Service is assumed to be from 'Water: Birmingham', the largest provider in Jefferson County, as Fairfield is not explicitly listed.
Sewer
$151
Property listing specifies 'Sewer: Connected'. The schedule provides a single fixed rate based on bedroom size.
Trash Collection
$40
The property is located in Fairfield, and the schedule provides a specific rate for 'Fairfield Inside City Limits (ISCL)'.
Refrigerator (tenant-owned)
$8
A refrigerator is not mentioned as included in the property details, so it is assumed to be tenant-owned and the corresponding allowance is applied.
Range/Microwave (tenant-owned)
$6
A microwave is not mentioned as included in the property details, so it is assumed to be tenant-owned and the corresponding allowance is applied.
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$792
DP3 Annual Estimate$1,116
DP1 Monthly Equivalent$66
DP3 Monthly Equivalent$93
Replacement Value$98,900
Basis1,650 sqft / 1965
Nearby Houses
Photo unavailable
836 60th Pl
sold · 0.03 mi
Price: $163,500
3 bd / 3 ba · 2,109 sqft
Latest sale: $163,500 on Feb 18, 2021
Latest rent: —
Photo unavailable
845 60th St
sold · 0.04 mi
Price: $49,900
3 bd / 1 ba · 1,298 sqft
Latest sale: $49,900 on Apr 20, 2023
Latest rent: $1,200 on Jul 04, 2023
Photo unavailable
5704 Court G
sold · 0.05 mi
Price: $164,900
4 bd / 2 ba · 2,642 sqft
Latest sale: $164,900 on Oct 03, 2022
Latest rent: —
Photo unavailable
5717 Avenue H
sold · 0.06 mi
Price: $38,000
2 bd / 2 ba · 1,354 sqft
Latest sale: $38,000 on Jan 14, 2021
Latest rent: $725 on Jan 22, 2020
Photo unavailable
5704 Myron Massey Blvd
sold · 0.07 mi
Price: $35,000
2 bd / 1 ba · 894 sqft
Latest sale: $35,000 on Jan 30, 2026
Latest rent: $750 on Jan 10, 2020
Photo unavailable
821 60th Pl
sold · 0.08 mi
Price: $43,000
3 bd / 2 ba · 1,200 sqft
Latest sale: $43,000 on Sep 11, 2018
Latest rent: —
Photo unavailable
5616 Avenue H
sold · 0.08 mi
Price: $39,000
4 bd / 2 ba · 1,208 sqft
Latest sale: $39,000 on Nov 04, 2019
Latest rent: $1,250 on Oct 06, 2022
Photo unavailable
5609 Court G
sold · 0.09 mi
Price: $25,200
3 bd / 1 ba
Latest sale: $25,200 on Mar 03, 2016
Latest rent: —
Photo unavailable
5608 Court G
sold · 0.10 mi
Price: $14,000
3 bd / 2 ba · 1,433 sqft
Latest sale: $14,000 on Jul 13, 2018
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Possible exposed wiring/electrical hazard due to large holes in interior walls (unknown live wiring).
- No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE failure risk).
- Bathrooms show heavy staining/rust and unsanitary conditions that require repair and cleaning prior to tenancy.
Assumptions
- No smoke or carbon monoxide detectors are visible in photos; assume none or not state-approved and will need installation.
- Central HVAC equipment and water heater exist but are not visible in photos; assume they may be present in basement or utility area but must be tested.
- Electrical panel is present and intact but not shown; assume it is accessible and without visible major damage unless inspection finds otherwise.
- Plumbing fixtures are physically present and likely functional but will require cleaning and some repairs (toilets and tubs show rust/soil).
- Basement is referenced in listing but basement condition and any systems located there were not photographed and were not evaluated.
- No evidence of active roof leaks, structural sagging, major foundation movement, or standing water was observed in provided photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,692 | $111,500 | $22,300 |
| 2023 | $1,692 | $113,600 | $22,720 |
| 2022 | $1,376 | $92,400 | $18,480 |
| 2021 | $1,376 | $92,400 | $18,480 |
| 2020 | $635 | $92,400 | $9,240 |
| 2019 | $635 | $92,400 | $9,240 |
| 2018 | $531 | $78,400 | $7,840 |
| 2017 | $531 | $78,400 | $7,840 |
| 2016 | $531 | $78,400 | $7,840 |
| 2015 | $531 | $78,400 | $7,840 |
| 2013 | $567 | $77,100 | $7,720 |
| 2012 | $566 | $82,540 | $8,254 |
| 2011 | $576 | $83,800 | $8,380 |
| 2010 | $576 | $83,800 | $8,380 |
| 2009 | $542 | $79,300 | $7,930 |
| 2008 | $557 | $81,300 | $8,130 |
| 2007 | $590 | $85,700 | $8,570 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-12-13 | Sold | $709 |
Photo Gallery
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"land": null,
"total": 7720,
"building": null
}
},
{
"tax": 566,
"year": 2012,
"market": {
"land": 12640,
"total": 82540,
"building": 69900
},
"assessment": {
"land": 1264,
"total": 8254,
"building": 6990
}
},
{
"tax": 576,
"year": 2011,
"market": {
"land": 12600,
"total": 83800,
"building": 71200
},
"assessment": {
"land": 1260,
"total": 8380,
"building": 7120
}
},
{
"tax": 576,
"year": 2010,
"market": {
"land": 12600,
"total": 83800,
"building": 71200
},
"assessment": {
"land": 1260,
"total": 8380,
"building": 7120
}
},
{
"tax": 542,
"year": 2009,
"market": {
"land": 8100,
"total": 79300,
"building": 71200
},
"assessment": {
"land": 810,
"total": 7930,
"building": 7120
}
},
{
"tax": 557,
"year": 2008,
"market": {
"land": 8100,
"total": 81300,
"building": 73200
},
"assessment": {
"land": 810,
"total": 8130,
"building": 7320
}
},
{
"tax": 590,
"year": 2007,
"market": {
"land": 5900,
"total": 85700,
"building": 79800
},
"assessment": {
"land": 590,
"total": 8570,
"building": 7980
}
}
],
"property_history": [
{
"date": "2026-01-22",
"price": 69900,
"listing": {
"status": "for_sale",
"list_date": "2025-10-09T19:57:34Z",
"list_price": 69900,
"listing_id": "2987207927",
"last_update_date": "2026-02-16T01:34:36Z",
"last_status_change_date": "2026-02-11T16:27:35Z"
},
"event_name": "Price Changed",
"price_sqft": 42.36363636363637,
"source_name": "GreaterAlabamaMLS",
"price_change": -5100,
"days_after_listed": null,
"source_listing_id": "21433735",
"price_change_percentage": null
},
{
"date": "2026-01-06",
"price": 75000,
"listing": {
"status": "for_sale",
"list_date": "2025-10-09T19:57:34Z",
"list_price": 69900,
"listing_id": "2987207927",
"last_update_date": "2026-02-16T01:34:36Z",
"last_status_change_date": "2026-02-11T16:27:35Z"
},
"event_name": "Price Changed",
"price_sqft": 45.45454545454545,
"source_name": "GreaterAlabamaMLS",
"price_change": -4000,
"days_after_listed": null,
"source_listing_id": "21433735",
"price_change_percentage": null
},
{
"date": "2025-12-08",
"price": 79000,
"listing": {
"status": "for_sale",
"list_date": "2025-10-09T19:57:34Z",
"list_price": 69900,
"listing_id": "2987207927",
"last_update_date": "2026-02-16T01:34:36Z",
"last_status_change_date": "2026-02-11T16:27:35Z"
},
"event_name": "Price Changed",
"price_sqft": 47.878787878787875,
"source_name": "GreaterAlabamaMLS",
"price_change": -6000,
"days_after_listed": null,
"source_listing_id": "21433735",
"price_change_percentage": null
},
{
"date": "2025-11-05",
"price": 85000,
"listing": {
"status": "for_sale",
"list_date": "2025-10-09T19:57:34Z",
"list_price": 69900,
"listing_id": "2987207927",
"last_update_date": "2026-02-16T01:34:36Z",
"last_status_change_date": "2026-02-11T16:27:35Z"
},
"event_name": "Price Changed",
"price_sqft": 51.515151515151516,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "21433735",
"price_change_percentage": null
},
{
"date": "2025-10-09",
"price": 90000,
"listing": {
"status": "for_sale",
"list_date": "2025-10-09T19:57:34Z",
"list_price": 69900,
"listing_id": "2987207927",
"last_update_date": "2026-02-16T01:34:36Z",
"last_status_change_date": "2026-02-11T16:27:35Z"
},
"event_name": "Listed",
"price_sqft": 54.54545454545455,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21433735",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8262394936",
"generated_at": "2026-02-16T01:56:45.848957Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 60.1
},
"utility_allowance": {
"zip_code": "35064",
"home_photo": "https://ap.rdcpix.com/c93f3c0f0b5261ff5038bf766cb3a182l-m2796180989s-w1280.jpg",
"rent_price": 1063.0,
"loan_amount": 55920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/827-60th-St_Fairfield_AL_35064_M82623-94936",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 69900.0,
"loan_term_years": 30,
"annual_cash_flow": 8783.64,
"mortgage_monthly": 372.04,
"payment_standard": 1584.0,
"total_amount_out": 13980.0,
"additional_photos": [
"https://ap.rdcpix.com/c93f3c0f0b5261ff5038bf766cb3a182l-m1779582193s-w1280.jpg",
"https://ap.rdcpix.com/c93f3c0f0b5261ff5038bf766cb3a182l-m1030870523s-w1280.jpg",
"https://ap.rdcpix.com/c93f3c0f0b5261ff5038bf766cb3a182l-m3427063485s-w1280.jpg",
"https://ap.rdcpix.com/c93f3c0f0b5261ff5038bf766cb3a182l-m3399884671s-w1280.jpg",
"https://ap.rdcpix.com/c93f3c0f0b5261ff5038bf766cb3a182l-m137330647s-w1280.jpg",
"https://ap.rdcpix.com/c93f3c0f0b5261ff5038bf766cb3a182l-m3787303690s-w1280.jpg",
"https://ap.rdcpix.com/c93f3c0f0b5261ff5038bf766cb3a182l-m3290108471s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 79.5,
"monthly_cash_flow": 731.97,
"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 info states 'No Heat' and 'No Air', but 'Electric Heat' is assumed as a baseline for a residential property in this climate. The 'Ala Power' provider was chosen as it is a major regional provider and the most expensive option, ensuring a conservative allowance.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property listing specifies an 'Stove-Electric'. The 'Ala Power' option was chosen as it is a major regional provider and the most expensive electric cooking option.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property listing explicitly states 'Cooling Features: No Air'. Therefore, no allowance is provided.",
"utility": "Cooling",
"allowance": 0
},
{
"note": "Inferred electric water heating to be consistent with the specified electric stove. The 'Ala Power' option was chosen as it is a major regional provider and the most expensive option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This is a standard utility for any residence. The 'Ala Power' option was chosen for consistency with other selected electric utilities.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property listing specifies 'Public Water'. Service is assumed to be from 'Water: Birmingham', the largest provider in Jefferson County, as Fairfield is not explicitly listed.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property listing specifies 'Sewer: Connected'. The schedule provides a single fixed rate based on bedroom size.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is located in Fairfield, and the schedule provides a specific rate for 'Fairfield Inside City Limits (ISCL)'.",
"utility": "Trash Collection",
"allowance": 40
},
{
"note": "A refrigerator is not mentioned as included in the property details, so it is assumed to be tenant-owned and the corresponding allowance is applied.",
"utility": "Refrigerator (tenant-owned)",
"allowance": 8
},
{
"note": "A microwave is not mentioned as included in the property details, so it is assumed to be tenant-owned and the corresponding allowance is applied.",
"utility": "Range/Microwave (tenant-owned)",
"allowance": 6
}
],
"cash_on_cash_return": 0.63,
"down_payment_amount": 13980.0,
"property_tax_annual": 1742.76,
"property_tax_monthly": 145.23,
"property_tax_increase": 0.03,
"utility_allowance_total": 521.0,
"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": 4319.19,
"property_management_monthly": 106.3,
"monthly_cash_flow_after_debt": 359.93,
"cash_on_cash_return_after_debt": 0.31
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate-risk property for a first Section 8 inspection. The building shell and main-level rooms appear structurally sound and hardwood floors are in decent condition, but moderate interior repairs and safety fixes are required: clean/rehab two bathrooms, repair cabinet doors and interior wall holes, confirm and install required smoke/CO detectors, and verify HVAC, water heater and electrical systems. With targeted repairs and verification of systems, this could pass an initial NSPIRE/HCV inspection within 30–60 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 55.0,
"rationale": "Main-level photos show generally intact hardwood floors and painted walls but multiple cosmetic and mid-level repair needs: two bathrooms are dirty with rust/staining on fixtures and worn floors; cabinetry has missing/loose doors and finish failure; at least one interior wall has large service/fixture holes; some trim and paint touch-up required. Kitchen has a built-in oven and dishwasher but appears to be missing a cooktop or range surface and has cabinet damage. No evidence of major structural collapse. These issues are repairable but require moderate work and cleaning prior to rental."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 45.0,
"rationale": "Photos do not show any smoke detectors or carbon monoxide detectors; this will fail NSPIRE if none are present and working. There are interior wall holes (possible exposed electrical device locations) that could be an electrical hazard if live wiring is present. Bathroom fixtures appear aged and may need plumbing repairs. Egress windows appear present in bedrooms. Porch handrail appears intact. No visible severe water intrusion, collapsed ceilings, or obvious foundation movement in photos. Missing/uncertain GFCI protection in bath/kitchen and unknown electrical panel condition increase inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 50.0,
"rationale": "Major systems are not shown in photos. Vents are visible (floor vent in bath), indicating central heating/AC may exist, but no HVAC equipment, water heater, or electrical panel is pictured. Kitchen has built-in electric oven and dishwasher, suggesting electrical service is present, but condition/operation of HVAC, water heater, and main electrical panel are unknown. Roof shows no visible sag in exterior photo. Given the unknowns and age (1965), there is moderate risk until systems are confirmed operational."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior brick shell looks solid in the provided front photo; roofline appears even with no visible sagging or active leaks. Driveway and carport are serviceable though the driveway has surface cracking. Yard is generally clear with some overgrown shrubs that partially block windows (recommend trimming). No standing water, obvious erosion, or visible pest infestation in photos."
}
],
"red_flags": [
"Possible exposed wiring/electrical hazard due to large holes in interior walls (unknown live wiring).",
"No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE failure risk).",
"Bathrooms show heavy staining/rust and unsanitary conditions that require repair and cleaning prior to tenancy."
],
"confidence": 0.6,
"assumptions": [
"No smoke or carbon monoxide detectors are visible in photos; assume none or not state-approved and will need installation.",
"Central HVAC equipment and water heater exist but are not visible in photos; assume they may be present in basement or utility area but must be tested.",
"Electrical panel is present and intact but not shown; assume it is accessible and without visible major damage unless inspection finds otherwise.",
"Plumbing fixtures are physically present and likely functional but will require cleaning and some repairs (toilets and tubs show rust/soil).",
"Basement is referenced in listing but basement condition and any systems located there were not photographed and were not evaluated.",
"No evidence of active roof leaks, structural sagging, major foundation movement, or standing water was observed in provided photos."
],
"overall_score": 55.0,
"rubric_version": "2026-02-NSPIRE-1.0"
},
{
"summary": "Overall this 1965 brick single-story home appears largely structurally sound and would likely pass many NSPIRE checkpoints after a short scope of repairs. Primary work needed: replace/repair bathroom fixtures (toilets, sinks), patch holes and finish walls, replace/repair cabinet doors, install/verify smoke and CO detectors and GFCI protection, and confirm HVAC, water heater and electrical panel condition. Expect minor-to-moderate repairs and contractor visits; likely rent-ready within ~30 days if no hidden system failures are discovered.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 65.0,
"rationale": "Interior appears structurally intact with solid hardwood floors and intact ceilings; cosmetic wear, dirty/stained bathroom fixtures, rust at toilet base, missing cabinet doors and at least one wall opening/hole are visible. Kitchen appliances (oven, dishwasher) largely present but cabinets need repair/painting and bathrooms will need replacement or deep cleaning of fixtures and finishes. These are moderate, mostly cosmetic/finish repairs that are straightforward for a contractor."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in photos and bathrooms/kitchen GFCI status cannot be confirmed; toilets show rust at the base suggesting prior leaks. Windows in bedrooms appear large enough for egress, entry door has a visible keyed lock/deadbolt not clearly visible but front door and railing look secure. No exposed live wiring or collapsed ceilings were observed, but absence of documented detectors and visible plumbing deterioration raise moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, plumbing, electrical, roof)",
"score": 60.0,
"rationale": "Floor vents and a kitchen range hood indicate forced-air HVAC and basic systems likely present, but no mechanicals (furnace, water heater, electrical panel) are shown. Bathrooms show rust/staining indicative of plumbing leaks; roof and exterior brick appear intact from front photo with no visible sagging. Because key systems were not photographed, mechanical condition is uncertain and carries moderate risk until inspected."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and access",
"score": 75.0,
"rationale": "Brick exterior, front porch/steps with railing, carport and paved driveway are intact and yard is maintained; no visible foundation settlement, major exterior cracking, standing water or roof collapse in provided photos. Shrubbery partially obscures windows which may need trimming for sightlines/security, but overall the site appears serviceable with only minor exterior work likely required."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos (NSPIRE requirement).",
"Possible lead-based paint risk (built 1965) — requires testing/abatement or tenant-protective measures.",
"Rust and staining at toilet bases and dirty bathroom floors suggest prior/plumbing leaks that must be verified and repaired.",
"Unfinished basement and basement bathroom (listed) create higher moisture/egress and mold risk until inspected and remediated.",
"Holes/openings in interior walls (visible round cutouts) must be repaired to prevent pest entry and to ensure safety.",
"Major systems (furnace/HW tank, electrical panel) not shown — unknown condition represents inspection risk until verified."
],
"confidence": 0.6,
"assumptions": [
"No smoke or CO alarms are present because none are visible in photos; these will need to be installed or verified.",
"Forced-air HVAC is present (floor vents visible) but its operability/age is unknown because mechanical equipment photos are not provided.",
"Water heater and electrical panel were not photographed; their condition is unknown and assumed serviceable unless inspection finds otherwise.",
"Basement exists (listing mentions basement bath); basement condition and moisture risk not shown in photos and assumed moderate risk given age and mention of unfinished space.",
"House was built in 1965, so lead-based paint is a possible hazard and should be presumed until tested (pre-1978).",
"No active roof leaks or structural sagging were observed in available photos; this assumes the unseen rear/roof areas are similar to the front.",
"Missing cabinet doors, wall holes, and rust/staining are repairable with standard rehab (not structural) unless further inspection reveals hidden damage."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears structurally sound and largely rehab-ready for tenancy with mostly cosmetic and mid-level repairs. Major items that could cause an immediate NSPIRE fail (lack of verified smoke/CO detectors, lack of visible GFCI protection, and some degraded bathroom fixtures) should be corrected before inspection. Systems (HVAC, water heater, electrical) are present but not documented in photos and should be functional/verified. Estimated time to pass an initial HCV inspection: likely within 2–6 weeks if smoke/CO detectors, GFCIs (if missing), plumbing repairs, and minor cosmetic fixes are completed and systems are shown to operate.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Interior finishes largely intact: hardwood floors appear in good condition, windows and trim present, kitchen cabinets and countertops installed, and two full baths exist. Visible issues are moderate and cosmetic: bathroom fixtures are dirty/rusted and will need replacement or deep cleaning, cabinet door(s) missing or damaged, multiple small holes in walls, baseboard damage in places, and general cleaning/paint needed. Missing or incomplete appliances are not clearly evident (built-in oven and dishwasher visible; cooktop area may need attention). These are mostly easy-to-fix or capital-replacement items rather than structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 45.0,
"rationale": "Photos show no visible smoke/CO detectors (required by NSPIRE), no visible GFCI-protected outlets in kitchen/baths, and at least one toilet with heavy rust/staining and a visible supply/drain connection irregularity that may indicate plumbing repairs needed. Bedroom windows appear to provide emergency egress. No obvious exposed wiring, collapsed ceilings, major roof stains, or open foundation issues visible. Because smoke detectors/CO detectors and GFCI protection are commonly inspected and are not shown, the property is at moderate risk of initial inspection failure until those are installed and verified working."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "No obvious signs of roof failure or active leaks in interior photos. Floor/vent registers are visible, suggesting forced-air HVAC, but no furnace/AC or water heater is shown or tested in the listing photos. Plumbing fixtures exist but toilets show corrosion/stains and may need replacement; tubs and tile appear intact. Electrical panel, visible branch wiring, and GFCI locations are not shown; given the house age (built 1965) some system updates may be required. Overall systems appear present but unverified and would require testing; risk moderate but not catastrophic."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Exterior brick façade, roofline and eaves appear generally intact from the provided exterior photo. Driveway and carport are serviceable though driveway has typical wear. Yard is maintained (mowed) though shrubs may need trimming. No visible foundation settlement, major drainage pooling, standing water, or obvious pest infestation visible in photos. Exterior appears serviceable for tenancy with routine maintenance."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors (inspection-fail item until installed and verified).",
"No visible GFCI protection in kitchen/bathrooms (likely required or recommended for safety).",
"Bathroom fixtures show heavy rust/soiling and at least one toilet connection appears problematic—plumbing repair or replacement likely required.",
"Interior wall openings/holes and missing cabinet components present trip/contamination and repair issues that should be corrected before tenancy.",
"Major systems (furnace/AC, water heater, electrical panel) are not shown or verified in photos; absence of documentation increases inspection risk."
],
"confidence": 0.65,
"assumptions": [
"No smoke or carbon monoxide detectors are installed or operational because none are visible in provided interior photos; these will need to be installed and tested.",
"A forced-air HVAC system exists (floor/vent register seen) but its operational condition is unknown; assume it is present but should be tested and serviced.",
"Water heater and electrical panel exist but were not photographed; assume they are present and may be older given 1965 construction.",
"Kitchen has at minimum a built-in oven and dishwasher as shown; the cooktop or range surface may need verification or replacement.",
"Basement is present per listing but photos are of main level only; assume potential for moisture or unfinished areas in basement that could require repair but no evidence of active leaks in main-level photos.",
"No obvious lead paint remediation is visible, but house was built in 1965 so lead risk is possible and should be evaluated per local requirements before renting to households with young children."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "827 60th St, Fairfield, AL, 35064",
"aggregate": {
"summary": "Moderate-risk property for a first Section 8 inspection. The building shell and main-level rooms appear structurally sound and hardwood floors are in decent condition, but moderate interior repairs and safety fixes are required: clean/rehab two bathrooms, repair cabinet doors and interior wall holes, confirm and install required smoke/CO detectors, and verify HVAC, water heater and electrical systems. With targeted repairs and verification of systems, this could pass an initial NSPIRE/HCV inspection within 30–60 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 63.3,
"rationale": "Main-level photos show generally intact hardwood floors and painted walls but multiple cosmetic and mid-level repair needs: two bathrooms are dirty with rust/staining on fixtures and worn floors; cabinetry has missing/loose doors and finish failure; at least one interior wall has large service/fixture holes; some trim and paint touch-up required. Kitchen has a built-in oven and dishwasher but appears to be missing a cooktop or range surface and has cabinet damage. No evidence of major structural collapse. These issues are repairable but require moderate work and cleaning prior to rental."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 76.7,
"rationale": "Exterior brick shell looks solid in the provided front photo; roofline appears even with no visible sagging or active leaks. Driveway and carport are serviceable though the driveway has surface cracking. Yard is generally clear with some overgrown shrubs that partially block windows (recommend trimming). No standing water, obvious erosion, or visible pest infestation in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 48.3,
"rationale": "Photos do not show any smoke detectors or carbon monoxide detectors; this will fail NSPIRE if none are present and working. There are interior wall holes (possible exposed electrical device locations) that could be an electrical hazard if live wiring is present. Bathroom fixtures appear aged and may need plumbing repairs. Egress windows appear present in bedrooms. Porch handrail appears intact. No visible severe water intrusion, collapsed ceilings, or obvious foundation movement in photos. Missing/uncertain GFCI protection in bath/kitchen and unknown electrical panel condition increase inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 56.7,
"rationale": "Major systems are not shown in photos. Vents are visible (floor vent in bath), indicating central heating/AC may exist, but no HVAC equipment, water heater, or electrical panel is pictured. Kitchen has built-in electric oven and dishwasher, suggesting electrical service is present, but condition/operation of HVAC, water heater, and main electrical panel are unknown. Roof shows no visible sag in exterior photo. Given the unknowns and age (1965), there is moderate risk until systems are confirmed operational."
}
],
"red_flags": [
"Possible exposed wiring/electrical hazard due to large holes in interior walls (unknown live wiring).",
"No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE failure risk).",
"Bathrooms show heavy staining/rust and unsanitary conditions that require repair and cleaning prior to tenancy."
],
"confidence": 0.81,
"assumptions": [
"No smoke or carbon monoxide detectors are visible in photos; assume none or not state-approved and will need installation.",
"Central HVAC equipment and water heater exist but are not visible in photos; assume they may be present in basement or utility area but must be tested.",
"Electrical panel is present and intact but not shown; assume it is accessible and without visible major damage unless inspection finds otherwise.",
"Plumbing fixtures are physically present and likely functional but will require cleaning and some repairs (toilets and tubs show rust/soil).",
"Basement is referenced in listing but basement condition and any systems located there were not photographed and were not evaluated.",
"No evidence of active roof leaks, structural sagging, major foundation movement, or standing water was observed in provided photos."
],
"score_method": "mean_of_criteria",
"overall_score": 60.1,
"rubric_version": "2026-02-NSPIRE-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8262394936"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.