Property ID: 8284281417
1404 Mims St SW, Birmingham, AL, 35211
Birmingham, AL
Money Down: $31,200
CoC Return: 6.42%
Monthly Cash Flow: $167
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
6.42%
Rent
$1,106
Monthly Cash Flow
$167
Annual Cash Flow
$2,002
Debt Service / Mo
$692
Property Tax / Mo
$66
Insurance / Mo
$71
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,106
Payment Standard
$1,584
Rent
$1,106
Insurance
$71
Property Tax
$66
Management
$111
Utilities Allowance
$478
NOI (Monthly)
$859
Debt Service
$692
Cash Flow After Debt
$167
Quality Score: 78.90%
Confidence: 94.00%
Overall the property appears to be in good, renovated condition and would likely pass an HCV/NSPIRE initial inspection after the landlord confirms or installs a small number of required safety items. Exterior, roof and interior finishes look recently renovated; main inspection risk areas are items not shown in photos: smoke and carbon monoxide detectors, GFCI protection in kitchen/bath, electrical panel condition, and on-site verification of operational HVAC and hot water. These are generally easy-to-fix or verify prior to inspection, so the home rates as minor repairs required and likely rent-ready within ~30 days if small items are addressed.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$478
Guaranteed Section 8 Rent (PS - Utilities)
$1,106
Property Management
$111
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$130,000
Beds
3
Baths
1
Living Area
1,137 sqft
Lot Size
6,970 sqft
Year Built
1956
Days on Market
81
Capital Outlay
$31,200
Debt Service
$692
Property Tax / Mo
$66
Insurance / Mo
$71
Property Description
Beautifully Renovated Home in West End Highlands - Move-In Ready! Welcome to 1404 Main St. SW, a stylishly updated home featuring a brand-new roof and a fully renovated kitchen with stainless steel appliances, modern countertops, and new cabinets for maximum functionality. The bathroom has also been completely upgraded with a new sink, toilet, lighting, mirrors, and a beautiful glass-enclosed shower. Hardwood floors run throughout the home, and the cozy fireplace adds warmth and charm. Large sliding barn doors add character and bring in natural light. Outside, the flat, fenced backyard offers the perfect space for relaxing or entertaining. Located on a quiet street just minutes from downtown Birmingham and UAB, this home delivers convenience, comfort, and quality upgrades throughout. Schedule your showing today! Note: Agent to verify all information important to buyer, including school zoning, square footage, and any other pertinent details.
Utility Allowances
Heating
$49
Property has central heat and gas appliances (cooktop), indicating a natural gas line. Selected the most expensive natural gas option as per instructions when the provider is unclear.
Cooking
$20
Property listing specifies 'Cooktop-Gas' and 'Oven-Gas'. The 'N'Gas: Mulga' option was chosen to remain consistent with the heating provider selection.
Water Heating
$56
The property listing explicitly states 'Electric (WTRHTR)' for the water heater. 'Ala Power' was selected as a major local provider and the most expensive option.
Cooling
$22
The property has 'Central Air', which is electric. 'Alabama Power' was selected as it is a major provider in the area and the most expensive option.
Other Electric
$68
This covers general electric use like lights and outlets. 'Ala Power' was chosen for consistency with other electric utilities.
Water
$78
The property is located in Birmingham and the listing specifies 'Public Water'. The 'Water: Birmingham' schedule item is the most applicable.
Sewer
$151
The property listing indicates it is 'Connected' to a sewer system. The schedule provides a fixed rate for sewer.
Trash Collection
$20
The property is within Jefferson County. As a specific 'Birmingham' option is not available, 'Jefferson City' was selected as the most logical alternative.
Refrigerator
$8
The property's appliance list does not include a refrigerator. Per instructions, an allowance is included for a tenant-owned appliance.
Range/Microwave
$6
A microwave is not listed as a provided appliance. This allowance is for a tenant-owned microwave, as the range is provided.
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$696
DP3 Annual Estimate$997
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$83
Replacement Value$83,600
Basis1,137 sqft / 1956
Nearby Houses
Photo unavailable
1413 Mims St SW
sold · 0.04 mi
Price: $72,500
3 bd / 1 ba · 995 sqft
Latest sale: $72,500 on Apr 28, 2022
Latest rent: $1,070 on Feb 09, 2025
Photo unavailable
1345 SW Mims St
sold · 0.05 mi
Price: $119,000
3 bd / 1 ba · 1,073 sqft
Latest sale: $119,000 on Apr 21, 2025
Latest rent: $1,195 on May 23, 2025
Photo unavailable
1421 Mims St SW
sold · 0.05 mi
Price: $160,000
3 bd / 2 ba · 1,554 sqft
Latest sale: $160,000 on Jan 29, 2024
Latest rent: $750 on Sep 12, 2017
Photo unavailable
1428 Mims St SW
sold · 0.06 mi
Price: $11,000
4 bd / 2 ba · 1,614 sqft
Latest sale: $11,000 on Feb 19, 2019
Latest rent: —
Photo unavailable
1404 18th St SW
sold · 0.06 mi
Price: $45,000
3 bd / 1 ba · 1,030 sqft
Latest sale: $45,000 on Sep 30, 2025
Latest rent: —
Photo unavailable
1352 18th St SW
for_sale · 0.07 mi
Price: $185,000
3 bd / 1 ba · 1,363 sqft
Latest sale: $45,000 on Apr 02, 2024
Latest rent: $675 on Dec 12, 2019
Photo unavailable
1329 18th St SW
sold · 0.09 mi
Price: $53,000
3 bd / 1 ba · 1,406 sqft
Latest sale: $53,000 on Nov 13, 2023
Latest rent: $1,825 on Jun 12, 2025
Photo unavailable
1767 Lincoln Pl SW
sold · 0.10 mi
Price: $21,500
3 bd / 2 ba
Latest sale: $21,500 on Jan 13, 2017
Latest rent: $900 on Apr 17, 2018
Photo unavailable
1328 18th St SW
sold · 0.11 mi
Price: $11,050
3 bd / 2 ba
Latest sale: $11,050 on May 25, 2016
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No smoke detectors visible in interior photos (potential NSPIRE fail if not installed).
- No carbon monoxide detector visible (required in many jurisdictions when fuel-burning appliances/fireplaces present).
Assumptions
- Listing is accurate about recently renovated kitchen and bathroom and new roof.
- Kitchen appliances referenced in listing (stainless steel) are present and in working order even though not shown in provided photos.
- Central HVAC is installed and operable (ceilings show supply/return registers), though the exterior condenser and service records are not shown.
- No active plumbing leaks, sewage backup, or hidden mold beyond what is visible in photos (no staining observed).
- Electrical panel, hot water heater, and fuel source for fireplace exist and are code-compliant unless an inspector identifies otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-27 | Listed | $130,000 |
| 2025-09-19 | Listing removed | $0 |
| 2025-07-16 | Price Changed | $125,000 |
| 2025-05-01 | Listed | $130,000 |
Photo Gallery
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"permit_type_of_work": "Building permit",
"permit_effective_date": "Oct 25, 2011",
"permit_project_type_1": "Doors and windows",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8284281417",
"generated_at": "2026-02-16T02:45:26.203235Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 78.9
},
"utility_allowance": {
"zip_code": "35211",
"home_photo": "https://ap.rdcpix.com/1a258df00d0ac18dad050d7bda9a48e7l-m2027920776s-w1280.jpg",
"rent_price": 1106.0,
"loan_amount": 104000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1404-Mims-St-SW_Birmingham_AL_35211_M82842-81417",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 130000.0,
"loan_term_years": 30,
"annual_cash_flow": 10305.3,
"mortgage_monthly": 691.91,
"payment_standard": 1584.0,
"total_amount_out": 26000.0,
"additional_photos": [
"https://ap.rdcpix.com/1a258df00d0ac18dad050d7bda9a48e7l-m884704954s-w1280.jpg",
"https://ap.rdcpix.com/1a258df00d0ac18dad050d7bda9a48e7l-m1442096669s-w1280.jpg",
"https://ap.rdcpix.com/1a258df00d0ac18dad050d7bda9a48e7l-m3627592565s-w1280.jpg",
"https://ap.rdcpix.com/1a258df00d0ac18dad050d7bda9a48e7l-m4212658007s-w1280.jpg",
"https://ap.rdcpix.com/1a258df00d0ac18dad050d7bda9a48e7l-m3515733091s-w1280.jpg",
"https://ap.rdcpix.com/1a258df00d0ac18dad050d7bda9a48e7l-m200752865s-w1280.jpg",
"https://ap.rdcpix.com/1a258df00d0ac18dad050d7bda9a48e7l-m1643157631s-w1280.jpg",
"https://ap.rdcpix.com/1a258df00d0ac18dad050d7bda9a48e7l-m3867276906s-w1280.jpg",
"https://ap.rdcpix.com/1a258df00d0ac18dad050d7bda9a48e7l-m2646689878s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 70.54,
"monthly_cash_flow": 858.77,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heat and gas appliances (cooktop), indicating a natural gas line. Selected the most expensive natural gas option as per instructions when the provider is unclear.",
"utility": "Heating",
"allowance": 49
},
{
"note": "Property listing specifies 'Cooktop-Gas' and 'Oven-Gas'. The 'N'Gas: Mulga' option was chosen to remain consistent with the heating provider selection.",
"utility": "Cooking",
"allowance": 20
},
{
"note": "The property listing explicitly states 'Electric (WTRHTR)' for the water heater. 'Ala Power' was selected as a major local provider and the most expensive option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "The property has 'Central Air', which is electric. 'Alabama Power' was selected as it is a major provider in the area and the most expensive option.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "This covers general electric use like lights and outlets. 'Ala Power' was chosen for consistency with other electric utilities.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "The property is located in Birmingham and the listing specifies 'Public Water'. The 'Water: Birmingham' schedule item is the most applicable.",
"utility": "Water",
"allowance": 78
},
{
"note": "The property listing indicates it is 'Connected' to a sewer system. The schedule provides a fixed rate for sewer.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is within Jefferson County. As a specific 'Birmingham' option is not available, 'Jefferson City' was selected as the most logical alternative.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property's appliance list does not include a refrigerator. Per instructions, an allowance is included for a tenant-owned appliance.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance. This allowance is for a tenant-owned microwave, as the range is provided.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.4,
"down_payment_amount": 26000.0,
"property_tax_annual": 793.0,
"property_tax_monthly": 66.08,
"property_tax_increase": 0.03,
"utility_allowance_total": 478.0,
"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": null,
"annual_cash_flow_after_debt": 2002.32,
"property_management_monthly": 110.6,
"monthly_cash_flow_after_debt": 166.86,
"cash_on_cash_return_after_debt": 0.08
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be in good, renovated condition and would likely pass an HCV/NSPIRE initial inspection after the landlord confirms or installs a small number of required safety items. Exterior, roof and interior finishes look recently renovated; main inspection risk areas are items not shown in photos: smoke and carbon monoxide detectors, GFCI protection in kitchen/bath, electrical panel condition, and on-site verification of operational HVAC and hot water. These are generally easy-to-fix or verify prior to inspection, so the home rates as minor repairs required and likely rent-ready within ~30 days if small items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing show a full interior cosmetic renovation: fresh paint, new-looking hardwood floors, recessed lighting, updated kitchen and bathroom (listing states new cabinets, counters, stainless appliances, glass shower). Exterior paint and trim look recently refreshed. Minor visible items: driveway hairline/cracking, some shrub overgrowth, and typical wear at porch steps. No visible collapsed surfaces, exposed subfloor, or major deferred maintenance. Missing/incomplete items not visible in photos (appliances appear to be present per listing) so scoring treats those as addressed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 72.0,
"rationale": "No obvious life‑threatening hazards visible: porch rails and handrails present, stairs intact, no obvious roof sagging, no visible active water intrusion or mold staining. Windows look operable and of adequate size for egress in main rooms shown. However, smoke detectors and carbon monoxide detectors are not visible in interior photos (NSPIRE requires them), GFCI locations (kitchen/bath) and electrical panel condition are not shown, and the fuel/source for the fireplace is not identified. Because those items are common inspection failures but could be easily corrected, the score is moderately high but reduced for missing verification of detectors, GFCI and panel."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 70.0,
"rationale": "Listing claims a brand-new roof and exterior photos show new/clean shingles and intact gutters/downspouts. Interior photos show ceiling air register(s) and a fireplace, suggesting HVAC and heating are present, and renovated kitchen/bath imply working plumbing was addressed. No water stains, no visible leaking. Electrical panel, hot water heater, and outdoor HVAC condenser are not shown; because these are key NSPIRE items but there are no visible signs of failure, assign a good but not perfect score to reflect unknowns that would require on-site verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior is tidy and recently painted; foundation brick appears intact and painted; flat, fenced backyard is stated and chain-link fencing is visible. Driveway is usable with minor cracking. Walkways and porch are sound with intact handrails. Landscaping is a little overgrown but not hazardous. No evidence of infestation, large drainage problems, or major foundation displacement in photos."
}
],
"red_flags": [
"No smoke detectors visible in interior photos (potential NSPIRE fail if not installed).",
"No carbon monoxide detector visible (required in many jurisdictions when fuel-burning appliances/fireplaces present)."
],
"confidence": 0.75,
"assumptions": [
"Listing is accurate about recently renovated kitchen and bathroom and new roof.",
"Kitchen appliances referenced in listing (stainless steel) are present and in working order even though not shown in provided photos.",
"Central HVAC is installed and operable (ceilings show supply/return registers), though the exterior condenser and service records are not shown.",
"No active plumbing leaks, sewage backup, or hidden mold beyond what is visible in photos (no staining observed).",
"Electrical panel, hot water heater, and fuel source for fireplace exist and are code-compliant unless an inspector identifies otherwise."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Property appears largely turnkey for Section 8/HCV inspection with a recently replaced roof, well-renovated interior (floors, paint, lighting, updated kitchen/bath per listing) and sound exterior. Primary inspection risks are verification items that are not visible in photos: working smoke and carbon monoxide detectors, GFCI protection in kitchen/bath, functional HVAC and hot water, and bedroom egress confirmation. These are typically resolved with quick installations or service. Expect minor repairs or documentation checks; likely rent-ready within 2-4 weeks assuming detectors and mechanicals are present/serviced.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing describe a full cosmetic renovation: new roof (listing), freshly painted exterior/interior, refinished hardwood floors, recessed lighting, updated bathroom and kitchen (stated). Interior pictures show intact flooring, painted walls, finished trim and a sound-looking fireplace surround. Exterior brick and siding are painted and in good visual condition. Minor items visible: concrete driveway has surface cracks, some trimmed shrubs may need finish pruning. No visible collapsed ceilings, exposed subfloor or major surface deterioration. Missing-appliance penalty not applied because listing claims stainless appliances in renovated kitchen. Overall condition is turnkey or near-turnkey; remaining work is likely cosmetic or small maintenance items (landscaping, driveway sealing)."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 75.0,
"rationale": "No obvious life-safety hazards in photos: entry has functioning door with keyed lock and apparent deadbolt plus security screen; front steps have handrails; porch light present. No exposed wiring or visible damaged electrical devices; outlets visible with covers. Roof appears recently replaced and gutters present, reducing active leak risk. Unknowns: smoke/CO detectors and GFCI protection are not visible in photos (NSPIRE requires smoke detectors on each level and CO alarms where fuel-burning appliances present). Bedroom egress windows are not explicitly shown; living room windows are full-size and likely meet egress but bedrooms cannot be confirmed. Fireplace appears intact but flue/venting condition and combustion appliance safety are unknown. Because visible hazards are minimal but critical detector and GFCI items are not verified, there is moderate inspection risk concentrated on detectors and kitchen/bath GFCI compliance — these are typically easy/quick fixes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 75.0,
"rationale": "Major systems appear addressed by recent renovation: listing and photos imply new roof; interior shows ceiling vent / return suggesting central HVAC, and recessed lighting indicates updated electrical work. No water stains or evidence of active leaks visible on ceilings or walls. However, mechanical components (HVAC operational status, age/condition of water heater, presence/condition of electrical panel, plumbing hot water and appliance hookups) are not shown. The absence of visible deterioration or roof issues reduces likelihood of hidden failure, but lack of direct evidence of working HVAC, water heater, and panel means a moderate score. These items often pass with verification or minor service."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior photos show a flat, fenced backyard (listing), functioning gutters/downspouts, painted brick foundation and siding, and a driveway providing off-street parking. Porch and railings are intact. Yard is level with no visible standing water; chain-link fence visible and serviceable. Minor issues: driveway shows longitudinal cracks; some shrubbery close to foundation that should be trimmed. Foundation appears even with no obvious large settlement cracks in visible elevations. Overall exterior is in good rental-ready condition with only routine maintenance recommended."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement of a 'brand-new roof' is accurate and photos corroborate a recent roof replacement.",
"Kitchen and bathroom renovations (stainless appliances, new fixtures, glass shower) described in the listing are present and functional even though interior kitchen photos are limited.",
"Central HVAC is present and functional (ceiling vent visible); no visible evidence of missing heating/cooling system.",
"Water heater and plumbing are present and functional though not shown in photos; hot water provision assumed.",
"Electrical panel exists and is intact although not photographed; no visible unsafe wiring or open junctions in shown rooms.",
"Smoke detectors and carbon monoxide alarms are not visible in provided photos; assume they may be missing or unverified and will need confirmation or installation before inspection.",
"Bedrooms have operable windows of sufficient size for egress (not pictured); assumed typical for 1956 single-family but must be verified.",
"No visible mold, active leaks, structural sagging, or collapsed ceilings were observed; absence in photos is taken as absence of severe issues but not a guarantee."
],
"overall_score": 79.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed single-family appears to have been recently renovated and is close to Section 8 / HCV ready. The roof and interior cosmetic work look complete; exterior, porch and yard are in good order. The most likely inspection corrective items are missing or unshown safety devices (smoke and CO alarms), GFCI receptacles in kitchen/bath, and confirmation of functioning HVAC, hot water and electrical panel. With targeted small fixes/verification (install/verify detectors, confirm/label HVAC and water heater, install any required GFCIs) this property is likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Photos and listing show a full cosmetic renovation: freshly painted interior and exterior, new-looking hardwood floors, recessed lighting, updated trim and windows, renovated bathroom and kitchen claimed in listing. Porch, steps and railings are intact. Minor site items visible (driveway hairline cracks, trimmed hedges) but no deferred-maintenance or severe interior damage visible. Missing-or-unknown items: smoke/CO detectors, GFCI outlets (cosmetic/installation items). Overall appears move-in ready cosmetically."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No active life-threatening hazards or structural failures visible. Porch steps and railings are present and appear secure. Windows and doors look intact and the large living room window provides good egress from that room. However key NSPIRE items are not visible in photos: smoke detectors and carbon monoxide alarm(s) are not shown, GFCI protection at kitchen/bath is not confirmed, electrical panel and exposed wiring are not shown. Because detectors and GFCI protection are frequently required corrective items on initial HCV inspections, this reduces the score despite overall good visible condition."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 75.0,
"rationale": "Listing states a brand-new roof and exterior photos show a recently replaced shingle roof in good condition. Interior photos show ceiling HVAC grille/return and recessed lights indicating a central system likely present; fireplace appears intact (likely gas logs). No evidence of active water intrusion, sagging ceilings, or visible plumbing leaks. Electrical panel, water heater and furnace/AC equipment are not shown so their condition is assumed functional but unverified. Because major systems are plausible and no signs of failure are visible, the score is above average but reduced for lack of visual confirmation of appliances/systems and GFCI/outlet details."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photographs show a painted brick foundation/stucco skirt, intact siding, gutters and downspouts, fenced flat backyard, and a paved driveway. Landscaping is tidy. Minor concrete cracking in the driveway and some trimmed shrubs are the only visible exterior issues. Yard and walkways are safe and accessible; no standing water, major grading issues or visible foundation movement observed."
}
],
"red_flags": [
"No smoke detectors visible in interior photos — absence would cause inspection failure if not installed.",
"No carbon monoxide alarm visible (required in many jurisdictions where fuel-burning appliances or attached garages are present).",
"GFCI protection at kitchen/bath outlets not shown — missing GFCI likely to be a corrective item.",
"Major systems (electrical panel, water heater, furnace/AC) not photographed/verified — lack of verification increases inspection risk."
],
"confidence": 0.7,
"assumptions": [
"Kitchen and major appliances (stove, refrigerator) are present and functioning as the listing cites a renovated kitchen with stainless steel appliances, although not all appliance photos are shown.",
"New roof claim is accurate and exterior roof photos reflect recent replacement; no active leaks visible in interior photos.",
"Central HVAC is present and operational (ceiling vent/register visible in living room), but system age and operational status are not documented in photos.",
"Hot water heater and electrical panel exist and are functional but were not photographed; plumbing fixtures in bathroom/kitchen are working as claimed by listing.",
"Smoke detectors, carbon monoxide alarm(s) and GFCI outlets are not visible in provided photos; assume they may be missing or not installed to modern NSPIRE locations unless verified.",
"Bedroom egress windows likely present (typical for a 1956 single-story), but specific bedroom window measurements/egress compliance were not confirmed from photos."
],
"overall_score": 80.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1404 Mims St SW, Birmingham, AL, 35211",
"aggregate": {
"summary": "Overall the property appears to be in good, renovated condition and would likely pass an HCV/NSPIRE initial inspection after the landlord confirms or installs a small number of required safety items. Exterior, roof and interior finishes look recently renovated; main inspection risk areas are items not shown in photos: smoke and carbon monoxide detectors, GFCI protection in kitchen/bath, electrical panel condition, and on-site verification of operational HVAC and hot water. These are generally easy-to-fix or verify prior to inspection, so the home rates as minor repairs required and likely rent-ready within ~30 days if small items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.7,
"rationale": "Photos and listing show a full interior cosmetic renovation: fresh paint, new-looking hardwood floors, recessed lighting, updated kitchen and bathroom (listing states new cabinets, counters, stainless appliances, glass shower). Exterior paint and trim look recently refreshed. Minor visible items: driveway hairline/cracking, some shrub overgrowth, and typical wear at porch steps. No visible collapsed surfaces, exposed subfloor, or major deferred maintenance. Missing/incomplete items not visible in photos (appliances appear to be present per listing) so scoring treats those as addressed."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 81.7,
"rationale": "Exterior is tidy and recently painted; foundation brick appears intact and painted; flat, fenced backyard is stated and chain-link fencing is visible. Driveway is usable with minor cracking. Walkways and porch are sound with intact handrails. Landscaping is a little overgrown but not hazardous. No evidence of infestation, large drainage problems, or major foundation displacement in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 72.3,
"rationale": "No obvious life‑threatening hazards visible: porch rails and handrails present, stairs intact, no obvious roof sagging, no visible active water intrusion or mold staining. Windows look operable and of adequate size for egress in main rooms shown. However, smoke detectors and carbon monoxide detectors are not visible in interior photos (NSPIRE requires them), GFCI locations (kitchen/bath) and electrical panel condition are not shown, and the fuel/source for the fireplace is not identified. Because those items are common inspection failures but could be easily corrected, the score is moderately high but reduced for missing verification of detectors, GFCI and panel."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 73.3,
"rationale": "Listing claims a brand-new roof and exterior photos show new/clean shingles and intact gutters/downspouts. Interior photos show ceiling air register(s) and a fireplace, suggesting HVAC and heating are present, and renovated kitchen/bath imply working plumbing was addressed. No water stains, no visible leaking. Electrical panel, hot water heater, and outdoor HVAC condenser are not shown; because these are key NSPIRE items but there are no visible signs of failure, assign a good but not perfect score to reflect unknowns that would require on-site verification."
}
],
"red_flags": [
"No smoke detectors visible in interior photos (potential NSPIRE fail if not installed).",
"No carbon monoxide detector visible (required in many jurisdictions when fuel-burning appliances/fireplaces present)."
],
"confidence": 0.94,
"assumptions": [
"Listing is accurate about recently renovated kitchen and bathroom and new roof.",
"Kitchen appliances referenced in listing (stainless steel) are present and in working order even though not shown in provided photos.",
"Central HVAC is installed and operable (ceilings show supply/return registers), though the exterior condenser and service records are not shown.",
"No active plumbing leaks, sewage backup, or hidden mold beyond what is visible in photos (no staining observed).",
"Electrical panel, hot water heater, and fuel source for fireplace exist and are code-compliant unless an inspector identifies otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 78.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8284281417"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.