Property ID: 8278330238
2915 Avenue Y, Birmingham, AL, 35208
Birmingham, AL
Money Down: $25,176
CoC Return: 4.84%
Monthly Cash Flow: $101
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,980
Closing Costs
$4,196
Total Down
$25,176
Investment Snapshot
Purchase Price
$104,900
Money Down
$25,176
Cash-on-Cash Return
4.84%
Rent
$951
Monthly Cash Flow
$101
Annual Cash Flow
$1,217
Debt Service / Mo
$558
Property Tax / Mo
$123
Insurance / Mo
$73
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$951
Payment Standard
$1,474
Rent
$951
Insurance
$73
Property Tax
$123
Management
$95
Utilities Allowance
$523
NOI (Monthly)
$660
Debt Service
$558
Cash Flow After Debt
$101
Quality Score: 71.80%
Confidence: 85.00%
Overall this property appears mostly turnkey for an initial Housing Choice Voucher inspection with minor to moderate verification items. The exterior and curb appeal look maintained and the listing states a recent renovation; tenant-occupancy supports that major systems are likely operational. Primary inspection risks are verification of smoke/CO detectors, GFCI outlets, adequate bedroom egress, and the need to install/repair a handrail on the front porch steps. Recommend confirming operation of HVAC/hot water, electrical panel condition, and interior finishes; these are likely short fixes and the property should be rent-ready within 2–4 weeks pending minor corrections.
Section 8 Payment Standard
$1,474
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$951
Property Management
$95
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$104,900
Beds
3
Baths
2
Living Area
1,648 sqft
Lot Size
7,841 sqft
Year Built
1920
Days on Market
173
Capital Outlay
$25,176
Debt Service
$558
Property Tax / Mo
$123
Insurance / Mo
$73
Property Description
Newly renovated 3 bedroom, 2 bathroom home located on a quiet street. This property features hardwood flooring throughout, with tile in the kitchen and bathrooms. A double-wide driveway is located at the back of the home for added convenience. The home is currently tenant-occupied with a rental rate of $1,194 per month. Conveniently located just minutes from local shopping, schools, and interstate access.
Utility Allowances
Heating
$93
Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The choice of electric heating is inferred from the property's electric water heater and the commonality of Alabama Power as a provider.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has Central Air, which is electric. Alabama Power is assumed as the provider.
Water Heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. Property data explicitly lists an 'Electric Water Heater'.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. Cooking fuel is assumed to be electric, consistent with other major electric appliances in the home.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit to cover general lighting and miscellaneous electric loads.
Refrigerator
$8
Fixed allowance for a tenant-owned refrigerator, as one was not listed as provided with the property.
Range/Microwave
$6
Fixed allowance for a tenant-owned range/microwave, as one was not listed as provided with the property.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit. The property is located in Birmingham and has public water service.
Sewer
$151
Fixed allowance for a 3-bedroom unit. The property is listed as having a sewer connection.
Trash Collection
$20
Selected 'Jefferson City (Once per week)' for a 3-bedroom unit. The specific trash service was not mentioned, so a reasonable county default was chosen.
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$1,029
DP1 Monthly Equivalent$60
DP3 Monthly Equivalent$86
Replacement Value$81,900
Basis1,648 sqft / 1920
Nearby Houses
Photo unavailable
2924 Avenue Y
sold · 0.04 mi
Price: $47,200
6 bd / 3 ba · 1,996 sqft
Latest sale: $47,200 on Mar 21, 2011
Latest rent: —
Photo unavailable
2520 29th Pl
sold · 0.04 mi
Price: $89,900
3 bd / 2 ba · 1,888 sqft
Latest sale: $89,900 on Mar 30, 2018
Latest rent: —
Photo unavailable
2441 29th Street Ensley
sold · 0.05 mi
Price: $15,000
2 bd / 1 ba · 1,170 sqft
Latest sale: $15,000
Latest rent: —
Photo unavailable
2932 Avenue Y Lot 12
sold · 0.06 mi
Price: $5,000
— bd / — ba
Latest sale: $5,000
Latest rent: —
Photo unavailable
2936 Avenue Y
sold · 0.06 mi
Price: $153,500
3 bd / 2 ba · 1,372 sqft
Latest sale: $153,500 on Nov 14, 2023
Latest rent: —
Photo unavailable
2531 29th Place Ensley W
sold · 0.07 mi
Price: $25,000
4 bd / 2 ba · 2,150 sqft
Latest sale: $25,000
Latest rent: —
Photo unavailable
2516 29th St
sold · 0.08 mi
Price: $15,000
3 bd / 1 ba · 1,857 sqft
Latest sale: $15,000 on Sep 30, 2021
Latest rent: $1,200 on Dec 16, 2024
Photo unavailable
2902 Court Y
sold · 0.08 mi
Price: $60,000
3 bd / 1 ba · 1,654 sqft
Latest sale: $60,000 on Jan 29, 2024
Latest rent: —
Photo unavailable
2524 29th St
sold · 0.08 mi
Price: $74,500
3 bd / 1 ba · 1,448 sqft
Latest sale: $74,500
Latest rent: $1,000 on Feb 01, 2023
Photo unavailable
2900 Court Y
sold · 0.09 mi
Price: $59,000
3 bd / 1 ba · 1,654 sqft
Latest sale: $59,000 on Oct 27, 2021
Latest rent: —
Photo unavailable
3000 Avenue Y
sold · 0.10 mi
Price: $10,000
4 bd / 2 ba · 1,340 sqft
Latest sale: $10,000 on Jun 28, 2010
Latest rent: $1,000 on Aug 08, 2013
Photo unavailable
2413 30th Street Ensley W
sold · 0.12 mi
Price: $94,000
3 bd / 2 ba · 1,050 sqft
Latest sale: $94,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- missing/unsafe handrail on front steps (unsafe stairs / broken handrail)
Assumptions
- Interior was substantially updated during the 'newly renovated' work referenced in the listing (floors, kitchen/bath finishes).
- Tenant-occupied status indicates active utilities and functioning major systems (HVAC, hot water), although not visually confirmed.
- No major roof leaks or structural issues exist beyond what is visible in the single exterior photo (roof line appears straight, no sagging).
- Bedrooms have windows that likely meet egress requirements typical for this style of home, but specific dimensions were not provided.
- Electrical panel, smoke/CO detectors, GFCI protection, and plumbing fixtures exist but require verification for NSPIRE compliance.
- Driveway and rear double-wide parking exist as described but were not visible in the provided photo.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,435 | $99,000 | $19,800 |
| 2023 | $1,435 | $99,000 | $19,800 |
| 2022 | $1,067 | $73,600 | $14,720 |
| 2021 | $1,067 | $73,600 | $14,720 |
| 2020 | $1,067 | $73,600 | $14,720 |
| 2019 | $1,067 | $73,600 | $14,720 |
| 2018 | $913 | $63,000 | $12,600 |
| 2017 | $913 | $63,000 | $12,600 |
| 2016 | $385 | $63,000 | $6,300 |
| 2015 | $385 | $63,000 | $6,300 |
| 2013 | $365 | $62,100 | $6,220 |
| 2012 | $364 | $62,140 | $6,214 |
| 2011 | $371 | $63,000 | $6,300 |
| 2010 | $390 | $65,800 | $6,580 |
| 2009 | $376 | $63,800 | $6,380 |
| 2008 | $385 | $65,100 | $6,510 |
| 2007 | $381 | $64,500 | $6,450 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-12-16 | Sold | $94,000 |
| 2018-06-19 | Sold | $20,000 |
| 2016-10-06 | Sold | $30,345 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-05-30 | Listed for rent | $1,200 | — |
| 2025-01-31 | Listed for rent | $1,200 | — |
| 2018-11-27 | Listed for rent | $845 | — |
| 2018-09-26 | Listed for rent | $845 | — |
Photo Gallery
Show raw JSON (debug)
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"price_change_percentage": "+11.60%"
},
{
"date": "2025-07-21",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-05-30T23:05:17Z",
"list_price": 1095,
"listing_id": "2982540309",
"last_update_date": "2025-07-08T04:06:18Z",
"last_status_change_date": "2025-07-21T21:07:49Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "5389385",
"price_change_percentage": null
},
{
"date": "2025-07-11",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-06-23T15:10:38Z",
"list_price": 1095,
"listing_id": "2983420743",
"last_update_date": "2025-07-08T16:19:31Z",
"last_status_change_date": "2025-07-11T11:11:55Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "61610380",
"price_change_percentage": null
},
{
"date": "2025-06-23",
"price": 1095,
"listing": {
"status": "off_market",
"list_date": "2025-06-23T15:10:38Z",
"list_price": 1095,
"listing_id": "2983420743",
"last_update_date": "2025-07-08T16:19:31Z",
"last_status_change_date": "2025-07-11T11:11:55Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.6644417475728155,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "61610380",
"price_change_percentage": null
},
{
"date": "2025-06-11",
"price": 1095,
"listing": {
"status": "off_market",
"list_date": "2025-05-30T23:05:17Z",
"list_price": 1095,
"listing_id": "2982540309",
"last_update_date": "2025-07-08T04:06:18Z",
"last_status_change_date": "2025-07-21T21:07:49Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.6644417475728155,
"source_name": "Rently",
"price_change": -105,
"days_after_listed": null,
"source_listing_id": "5389385",
"price_change_percentage": null
},
{
"date": "2025-05-30",
"price": 1200,
"listing": {
"status": "off_market",
"list_date": "2025-05-30T23:05:17Z",
"list_price": 1095,
"listing_id": "2982540309",
"last_update_date": "2025-07-08T04:06:18Z",
"last_status_change_date": "2025-07-21T21:07:49Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.7281553398058253,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "5389385",
"price_change_percentage": null
},
{
"date": "2024-12-16",
"price": 94000,
"listing": {
"status": "sold",
"list_date": "2024-11-05T00:03:38Z",
"list_price": 96000,
"listing_id": "2974532561",
"last_update_date": "2024-12-31T22:15:05Z",
"last_status_change_date": "2024-12-31T22:20:37Z"
},
"event_name": "Sold",
"price_sqft": 57.03883495145631,
"source_name": "GreaterAlabamaMLS",
"price_change": -2000,
"days_after_listed": "41 days",
"source_listing_id": "21401967",
"price_change_percentage": "-2.08%"
},
{
"date": "2024-11-05",
"price": 96000,
"listing": {
"status": "sold",
"list_date": "2024-11-05T00:03:38Z",
"list_price": 96000,
"listing_id": "2974532561",
"last_update_date": "2024-12-31T22:15:05Z",
"last_status_change_date": "2024-12-31T22:20:37Z"
},
"event_name": "Listed",
"price_sqft": 58.25242718446602,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21401967",
"price_change_percentage": "+166.67%"
},
{
"date": "1994-02-24",
"price": 36000,
"listing": null,
"event_name": "Sold",
"price_sqft": 21.844660194174757,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8278330238",
"generated_at": "2026-02-16T02:37:30.981727Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 71.8
},
"utility_allowance": {
"zip_code": "35208",
"home_photo": "https://ap.rdcpix.com/afae434553e6b10e9467b791199f8c1fl-b670290711s-w1280.jpg",
"rent_price": 951.0,
"loan_amount": 83920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2915-Avenue-Y_Birmingham_AL_35208_M82783-30238",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 104900.0,
"loan_term_years": 30,
"annual_cash_flow": 7917.25,
"mortgage_monthly": 558.32,
"payment_standard": 1474.0,
"total_amount_out": 20980.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 72.96,
"monthly_cash_flow": 659.77,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The choice of electric heating is inferred from the property's electric water heater and the commonality of Alabama Power as a provider.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has Central Air, which is electric. Alabama Power is assumed as the provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Property data explicitly lists an 'Electric Water Heater'.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Cooking fuel is assumed to be electric, consistent with other major electric appliances in the home.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit to cover general lighting and miscellaneous electric loads.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Fixed allowance for a tenant-owned refrigerator, as one was not listed as provided with the property.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Fixed allowance for a tenant-owned range/microwave, as one was not listed as provided with the property.",
"utility": "Range/Microwave",
"allowance": 6
},
{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit. The property is located in Birmingham and has public water service.",
"utility": "Water",
"allowance": 78
},
{
"note": "Fixed allowance for a 3-bedroom unit. The property is listed as having a sewer connection.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Jefferson City (Once per week)' for a 3-bedroom unit. The specific trash service was not mentioned, so a reasonable county default was chosen.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.38,
"down_payment_amount": 20980.0,
"property_tax_annual": 1478.05,
"property_tax_monthly": 123.17,
"property_tax_increase": 0.03,
"utility_allowance_total": 523.0,
"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": 1217.39,
"property_management_monthly": 95.1,
"monthly_cash_flow_after_debt": 101.45,
"cash_on_cash_return_after_debt": 0.06
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this property appears mostly turnkey for an initial Housing Choice Voucher inspection with minor to moderate verification items. The exterior and curb appeal look maintained and the listing states a recent renovation; tenant-occupancy supports that major systems are likely operational. Primary inspection risks are verification of smoke/CO detectors, GFCI outlets, adequate bedroom egress, and the need to install/repair a handrail on the front porch steps. Recommend confirming operation of HVAC/hot water, electrical panel condition, and interior finishes; these are likely short fixes and the property should be rent-ready within 2–4 weeks pending minor corrections.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Listing states 'newly renovated' and photo shows a generally well-maintained exterior, intact siding, painted brick porch base, and mowed yard. No visible major cosmetic damage, sagging rooflines, or collapsed elements. Missing appliances are not indicated and tenant-occupied status implies functional interior finishes. Minor exterior paint touch-ups and porch step/detail work likely; interior minor cosmetic items (if any) are assumed addressed by recent renovation."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible from the exterior photo (no collapsed ceilings, no standing water, no visible exposed wiring). However, multiple required NSPIRE items cannot be confirmed from photos: smoke/CO detectors, GFCI outlets, bedroom egress, and emergency lighting. The front porch steps appear to lack a continuous handrail which is an inspection concern for safe stairs. Age of the house (1920) raises potential lead-paint risk unless fully remediated during renovation. Overall moderate risk: likely passes with a short list of corrective items (install/verify detectors, add/repair handrail, confirm GFCI and egress)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "No interior photos or systems images provided. Tenant occupancy and 'newly renovated' listing text suggest functional HVAC, hot water, and plumbing, but this cannot be confirmed. Roof appears intact with no visible sagging or missing large shingles from the provided angle. Electrical panel, water heater, and HVAC units are not visible; therefore there is moderate uncertainty and some inspection risk until systems are verified operational and up-to-code (GFCI, grounded receptacles, circuit labeling)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Front yard is maintained and sidewalks are passable; double-wide driveway is described in the listing though not visible in the provided photo. Foundation brick appears intact with small basement windows present. There is a gentle slope from home to sidewalk; no visible erosion or standing water. Minor site repairs likely: add/repair handrail on front steps for safety, check walk/path trip hazards. No visible infestation or heavy neglect."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"missing/unsafe handrail on front steps (unsafe stairs / broken handrail)"
],
"confidence": 0.6,
"assumptions": [
"Interior was substantially updated during the 'newly renovated' work referenced in the listing (floors, kitchen/bath finishes).",
"Tenant-occupied status indicates active utilities and functioning major systems (HVAC, hot water), although not visually confirmed.",
"No major roof leaks or structural issues exist beyond what is visible in the single exterior photo (roof line appears straight, no sagging).",
"Bedrooms have windows that likely meet egress requirements typical for this style of home, but specific dimensions were not provided.",
"Electrical panel, smoke/CO detectors, GFCI protection, and plumbing fixtures exist but require verification for NSPIRE compliance.",
"Driveway and rear double-wide parking exist as described but were not visible in the provided photo."
],
"overall_score": 75.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Based on exterior photos and the listing, this 1920 bungalow appears to be in generally sound condition and likely to pass Housing Choice Voucher (NSPIRE) inspection after addressing a small set of common items. The property is tenant-occupied and listed as newly renovated, which supports a rent-ready outcome. Primary unknowns that could affect an initial pass are interior life-safety items (smoke/CO detectors and GFCIs), operability of HVAC and hot water, bedroom egress compliance, and any lead-based paint documentation/mitigation required for pre-1978 construction. Recommended actions before listing for Section 8 tenancy: verify and install code-placed smoke/CO alarms, test/label HVAC and hot water, ensure GFCI protection in kitchen/baths, confirm egress windows in bedrooms, trim vegetation from foundation, and ensure handrails/guards meet code on porch/steps.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Listing states 'newly renovated' and exterior photograph shows a generally intact bungalow with maintained yard and finished porch; hardwood floors and tile claimed in listing. Visible cosmetic issues are minimal from the exterior (some weathering of paint/awnings). Tenant-occupied status increases likelihood interior finishes are present and in acceptable condition. Missing interior photos leave some uncertainty about wear items (trim, cabinetry, outlet covers). Overall likely minor cosmetic repairs only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 65.0,
"rationale": "No obvious life-safety hazards visible externally: porch, roofline and foundation appear stable and there is a clear path to entry. However key NSPIRE items cannot be confirmed from photos or listing: presence/placement of smoke detectors and CO alarms, GFCI protection in kitchen/baths, condition of bedroom egress windows, and secure deadbolt locks. Porch steps/handrail are not clearly visible in the photo; if handrails or guards are missing on raised porch/steps they would be an inspection issue. The house dates to 1920 so lead-paint compliance must be evaluated. These unknowns lower the score despite otherwise acceptable exterior."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 60.0,
"rationale": "Roof appears intact in the photo with no obvious sagging or large missing shingles, and chimney looks serviceable. No visible signs of active water intrusion or collapsed ceilings from exterior. However critical systems (operable heating/cooling, water heater, hot water, electrical panel condition, GFCIs, plumbing functionality) are not visible and must be verified. Age (1920) introduces higher probability of older electrical or plumbing components unless fully upgraded during renovation. Given listing asserts renovation, systems are plausible but unconfirmed, so moderate score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Yard appears maintained and sloped away from the street; brick foundation and porch appear intact with no visible major cracks or foundation displacement in the provided image. Sidewalk and curb cut exist; double-wide driveway is claimed at rear (not visible). Vegetation (ferns) adjacent to foundation should be trimmed back to reduce moisture risk. Awnings and siding show typical wear for an older property but not active failure. Overall exterior/site is serviceable with only minor upkeep recommended."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Pre-1978 construction (1920) — potential lead-based paint/lead-hazard compliance requirement",
"Unknown presence/placement of required smoke and CO alarms (must verify)",
"Unconfirmed bedroom egress windows — must verify compliance"
],
"confidence": 0.6,
"assumptions": [
"Interior was renovated as stated in listing (hardwood flooring throughout, tile in kitchen and baths).",
"Tenant-occupied status is current and the interior is generally maintained.",
"Double-wide driveway exists at the rear as stated (not visible in provided photo).",
"No active roof leaks or collapsed ceilings based on exterior roof appearance; interior confirmation required.",
"Mechanical systems (HVAC, water heater, electrical panel) were likely updated during renovation but their operability is unconfirmed.",
"Smoke and carbon monoxide detectors, GFCI outlets, and window egress compliance are unknown and assumed to require verification.",
"No obvious structural sagging, foundation movement, or major exterior water intrusion visible in provided image."
],
"overall_score": 68.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "Based on the exterior photo and listing stating a recent renovation and active tenancy, the property looks largely rent-ready with mostly minor repairs and low risk exterior issues. Unknowns that could affect a formal NSPIRE inspection are interior items that are not visible here (smoke/CO detectors, GFCI outlets, interior stairs/handrails, electrical panel condition, HVAC and water heater operation, and bedroom egress). Assuming the interior renovation brought electrical/plumbing/HVAC up to code, this property is likely to pass an initial HCV/NSPIRE inspection with only minor work (detector installation, GFCI, minor handrail or outlet cover fixes) if any are needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Exterior photo and listing describe a 'newly renovated' 3BR/2BA. Exterior appears maintained: intact siding, brick porch, painted surfaces, and mowed yard. No visible major cosmetic failures. Listing states hardwood and tile floors which suggests interior finish work completed. Tenant-occupied status means some wear possible but no visible deferred maintenance. Unknown items (outlet covers, minor drywall, interior fixtures) could require small repairs. Missing appliances not observed from photos; listing implies an active rental so basic appliances likely present. Score reflects minor, mostly cosmetic/finishing tasks rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No life-threatening hazards visible in the exterior photo (no collapsed structure, no standing water, no obvious major roof sag). However many NSPIRE safety checkpoints cannot be confirmed from the exterior: smoke/CO detectors, GFCI in kitchen/baths, bedroom egress, condition of electrical panel, presence of deadbolt locks, and interior handrails/guardrails. The porch steps appear to have a low rise and may lack a handrail; if stairs exceed code riser count a handrail may be required. Home built 1920 raises likelihood of older systems, but listing 'newly renovated' reduces that risk. Because critical safety items are unverified, moderate caution applies."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Roof, Electrical)",
"score": 70.0,
"rationale": "Roof and chimney visible in photo appear intact with no obvious active leaks or collapsed areas. No visible exterior evidence of standing water or foundation collapse. HVAC equipment is not visible in the photo and interior mechanicals (water heater, furnace/AC, panel) cannot be confirmed; listing renovation and active tenancy indicate systems are likely functioning, but this is an assumption. Score reflects likely functional systems but with uncertainty until interior inspection of HVAC, water heater, plumbing, and electrical components."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Yard is maintained, walkways present though showing minor cracking, and porch/stoop look structurally intact. Brick foundation appears sound in the visible area. No visible evidence of severe drainage, standing water, infestation, or exterior structural failure. Double-wide driveway is stated in listing but not visible in provided photo — assumed present. Score reflects generally good curb condition with small site repairs likely (sidewalk/edge trimming, possible porch step handrail)."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior renovations referenced in the listing were completed to code and include functioning plumbing, water heater, and electrical systems.",
"There are working heating and cooling systems present (furnace/AC) despite not being visible in exterior photo.",
"Smoke detectors and carbon monoxide alarms may be present or can be installed easily; their presence cannot be confirmed from the provided photo.",
"Kitchen and bathroom fixtures (sinks, toilets, tile) are functional as listing indicates tile in these areas; appliances likely present because unit is tenant-occupied.",
"Basement/crawlspace and foundation have no hidden major movement or active leaks beyond what is visible in the single exterior photo.",
"Double-wide driveway referenced in the listing exists at the rear of the property though it is not visible in the provided image."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2915 Avenue Y, Birmingham, AL, 35208",
"aggregate": {
"summary": "Overall this property appears mostly turnkey for an initial Housing Choice Voucher inspection with minor to moderate verification items. The exterior and curb appeal look maintained and the listing states a recent renovation; tenant-occupancy supports that major systems are likely operational. Primary inspection risks are verification of smoke/CO detectors, GFCI outlets, adequate bedroom egress, and the need to install/repair a handrail on the front porch steps. Recommend confirming operation of HVAC/hot water, electrical panel condition, and interior finishes; these are likely short fixes and the property should be rent-ready within 2–4 weeks pending minor corrections.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Listing states 'newly renovated' and photo shows a generally well-maintained exterior, intact siding, painted brick porch base, and mowed yard. No visible major cosmetic damage, sagging rooflines, or collapsed elements. Missing appliances are not indicated and tenant-occupied status implies functional interior finishes. Minor exterior paint touch-ups and porch step/detail work likely; interior minor cosmetic items (if any) are assumed addressed by recent renovation."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.3,
"rationale": "Front yard is maintained and sidewalks are passable; double-wide driveway is described in the listing though not visible in the provided photo. Foundation brick appears intact with small basement windows present. There is a gentle slope from home to sidewalk; no visible erosion or standing water. Minor site repairs likely: add/repair handrail on front steps for safety, check walk/path trip hazards. No visible infestation or heavy neglect."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 66.7,
"rationale": "No obvious life-threatening hazards visible from the exterior photo (no collapsed ceilings, no standing water, no visible exposed wiring). However, multiple required NSPIRE items cannot be confirmed from photos: smoke/CO detectors, GFCI outlets, bedroom egress, and emergency lighting. The front porch steps appear to lack a continuous handrail which is an inspection concern for safe stairs. Age of the house (1920) raises potential lead-paint risk unless fully remediated during renovation. Overall moderate risk: likely passes with a short list of corrective items (install/verify detectors, add/repair handrail, confirm GFCI and egress)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "No interior photos or systems images provided. Tenant occupancy and 'newly renovated' listing text suggest functional HVAC, hot water, and plumbing, but this cannot be confirmed. Roof appears intact with no visible sagging or missing large shingles from the provided angle. Electrical panel, water heater, and HVAC units are not visible; therefore there is moderate uncertainty and some inspection risk until systems are verified operational and up-to-code (GFCI, grounded receptacles, circuit labeling)."
}
],
"red_flags": [
"missing/unsafe handrail on front steps (unsafe stairs / broken handrail)"
],
"confidence": 0.85,
"assumptions": [
"Interior was substantially updated during the 'newly renovated' work referenced in the listing (floors, kitchen/bath finishes).",
"Tenant-occupied status indicates active utilities and functioning major systems (HVAC, hot water), although not visually confirmed.",
"No major roof leaks or structural issues exist beyond what is visible in the single exterior photo (roof line appears straight, no sagging).",
"Bedrooms have windows that likely meet egress requirements typical for this style of home, but specific dimensions were not provided.",
"Electrical panel, smoke/CO detectors, GFCI protection, and plumbing fixtures exist but require verification for NSPIRE compliance.",
"Driveway and rear double-wide parking exist as described but were not visible in the provided photo."
],
"score_method": "mean_of_criteria",
"overall_score": 71.8,
"rubric_version": "nsPIRE-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8278330238"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.