Property ID: 8336521971
4400 Old Jasper Hwy, Adamsville, AL, 35005
Adamsville, AL
Money Down: $28,560
CoC Return: 19.72%
Monthly Cash Flow: $469
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,800
Closing Costs
$4,760
Total Down
$28,560
Investment Snapshot
Purchase Price
$119,000
Money Down
$28,560
Cash-on-Cash Return
19.72%
Rent
$1,386
Monthly Cash Flow
$469
Annual Cash Flow
$5,631
Debt Service / Mo
$633
Property Tax / Mo
$85
Insurance / Mo
$60
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,386
Payment Standard
$1,804
Rent
$1,386
Insurance
$60
Property Tax
$85
Management
$139
Utilities Allowance
$418
NOI (Monthly)
$1,103
Debt Service
$633
Cash Flow After Debt
$469
Quality Score: 67.80%
Confidence: 85.00%
Overall this property appears in mostly good cosmetic condition with functioning HVAC visible and a maintained interior finish. Primary NSPIRE risks are missing/uncertain life-safety items (smoke/CO detectors, GFCI outlets), some stair/guardrail questions, drainage against the block foundation, and a large tree very close to the house (roof/roots risk). These are mostly repairable or require targeted trades (install detectors, add/repair rails, correct grade/gutters, evaluate foundation crack). Likely a pass after 1–4 weeks of targeted work, but absence of detectors or failing guardrails will cause an initial inspection fail until corrected.
Section 8 Payment Standard
$1,804
Utility Allowance Total
$418
Guaranteed Section 8 Rent (PS - Utilities)
$1,386
Property Management
$139
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,000
Beds
4
Baths
2
Living Area
1,200 sqft
Lot Size
18,295 sqft
Year Built
1978
Days on Market
137
Capital Outlay
$28,560
Debt Service
$633
Property Tax / Mo
$85
Insurance / Mo
$60
Property Description
This beautiful 4-bedroom, 2-bathroom open floor plan home offers a covered front porch, providing a perfect blend of indoor and outdoor living! Featuring an inviting eat-in kitchen with a charming bay window, updated cabinetry, and a stone fireplace that adds warmth and character! Can't beat the privacy and luxury of the master suite this one has!
Utility Allowances
Heating
$54
The property has Central heating and a Gas fireplace, indicating natural gas is the fuel. Graysville is a neighboring city listed in the property's area description, making it a likely provider. This was the more expensive option among plausible choices.
Cooling
$28
The property is equipped with 'Central Air' conditioning, which is electric. Alabama Power is the primary electric utility in the region.
Water Heating
$71
Property details explicitly state it has an 'Electric Water Heater'. Alabama Power is selected as the most probable electric provider.
Cooking
$26
No cooking appliances are listed as included, so this is a tenant expense. While natural gas is available, an electric stove is a common alternative. Per the rules, the more expensive option (electric) was selected.
Other Electric
$87
This covers general electricity for lights, outlets, and tenant-provided appliances. Alabama Power is the assumed provider.
Water
$118
The property has 'Public Water'. Graysville is a neighboring city listed in the property's area description, making its water utility a plausible and specific choice.
Sewer
$0
The property has a 'Septic Tank' according to the listing details, so there is no monthly public sewer cost to the tenant.
Trash Collection
$20
Required for a single-family home. Adamsville is not listed in the schedule, so 'Jefferson City' is selected as a reasonable proxy for municipal service in Jefferson County.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so the allowance for a tenant-owned unit is included.
Range / Microwave
$6
A range or microwave is not listed as a provided appliance, so the allowance for tenant-owned units is included.
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$580
DP3 Annual Estimate$857
DP1 Monthly Equivalent$48
DP3 Monthly Equivalent$71
Replacement Value$68,700
Basis1,200 sqft / 1978
Nearby Houses
Photo unavailable
4328 Old Jasper Hwy
for_sale · 0.02 mi
Price: $119,900
4 bd / 2 ba · 1,376 sqft
Latest sale: $1,220,000 on Jun 20, 2025
Latest rent: $1,250 on Aug 14, 2024
Photo unavailable
4421 Old Jasper Hwy
sold · 0.05 mi
Price: $45,000
2 bd / 1 ba · 1,312 sqft
Latest sale: $45,000 on Apr 10, 2020
Latest rent: —
Photo unavailable
4428 Old Jasper Hwy
sold · 0.06 mi
Price: $92,000
3 bd / 2 ba · 1,050 sqft
Latest sale: $92,000 on Apr 09, 2018
Latest rent: $1,160 on Sep 02, 2025
Photo unavailable
4501 Old Jasper Hwy
sold · 0.09 mi
Price: $62,000
2 bd / 1 ba · 970 sqft
Latest sale: $62,000 on Oct 26, 2020
Latest rent: —
Photo unavailable
4413 Robin Ave
sold · 0.10 mi
Price: $7,500
3 bd / 1 ba · 1,098 sqft
Latest sale: $7,500 on Feb 15, 2017
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide detectors (NSPIRE immediate fail if absent).
- Concrete block foundation horizontal cracking visible — potential foundation movement risk.
- Large mature tree immediately adjacent to house (overhanging canopy and roots) — risk of roof/structural damage and debris causing clogged drainage.
- Rear entry steps lack a handrail; some exterior steps/landings show temporary pavers and uneven surfaces (unsafe stairs/trip hazards).
- Soil/grade and vegetation against foundation and no visible gutters — drainage toward foundation and moisture risk.
Assumptions
- No smoke or carbon monoxide detectors were visible in interior photos; assume they are not installed or not visible and must be confirmed/installed.
- Kitchen appliances, water heater and interior plumbing fixtures are not shown; assume typical working condition due to recent rental history but recommend verification.
- Electrical panel is present and functional since exterior service appears intact; no exposed live wiring observed in photos.
- Bedroom egress windows meet minimum size/egress requirements based on typical sash sizes visible, but sizes were not measured and should be confirmed.
- Roof is assumed watertight based on visual condition in photos (no visible sagging or active leaks), though large tree proximity increases future risk.
- Front door appears to have both knob and deadbolt (photo shows two locks); assumed compliant for security.
- Rental history (events in last 5 years, last in 2023) is accurate per provided snapshot and used as a positive bonus.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $989 | $81,500 | $16,300 |
| 2023 | $989 | $81,500 | $16,300 |
| 2022 | $757 | $62,400 | $12,480 |
| 2021 | $757 | $62,400 | $12,480 |
| 2020 | $757 | $62,400 | $12,480 |
| 2019 | $757 | $62,400 | $12,480 |
| 2018 | $630 | $51,900 | $10,380 |
| 2017 | $315 | $51,900 | $5,200 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-11-16 | Sold | $95,000 |
| 2017-09-28 | Sold | $23,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-12-04 | Listed for rent | $1,185 | — |
| 2022-04-22 | Listed for rent | $1,050 | — |
| 2019-09-05 | Listed for rent | $960 | — |
| 2018-08-18 | Listed for rent | $925 | — |
Photo Gallery
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"rmn_listing_attribution": false
},
"property_id": "8336521971",
"generated_at": "2026-02-16T01:38:43.314894Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.8
},
"utility_allowance": {
"zip_code": "35005",
"home_photo": "https://ap.rdcpix.com/3e0d4ec7ae562f08cd17709d92f8d495l-m1221795355s-w1280.jpg",
"rent_price": 1386.0,
"loan_amount": 95200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4400-Old-Jasper-Hwy_Adamsville_AL_35005_M83365-21971",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 119000.0,
"loan_term_years": 30,
"annual_cash_flow": 13231.63,
"mortgage_monthly": 633.37,
"payment_standard": 1804.0,
"total_amount_out": 23800.0,
"additional_photos": [
"https://ap.rdcpix.com/3e0d4ec7ae562f08cd17709d92f8d495l-m20349489s-w1280.jpg",
"https://ap.rdcpix.com/3e0d4ec7ae562f08cd17709d92f8d495l-m1459611410s-w1280.jpg",
"https://ap.rdcpix.com/3e0d4ec7ae562f08cd17709d92f8d495l-m269559858s-w1280.jpg",
"https://ap.rdcpix.com/3e0d4ec7ae562f08cd17709d92f8d495l-m2659590043s-w1280.jpg",
"https://ap.rdcpix.com/3e0d4ec7ae562f08cd17709d92f8d495l-m527831507s-w1280.jpg",
"https://ap.rdcpix.com/3e0d4ec7ae562f08cd17709d92f8d495l-m1713612267s-w1280.jpg",
"https://ap.rdcpix.com/3e0d4ec7ae562f08cd17709d92f8d495l-m3878910699s-w1280.jpg",
"https://ap.rdcpix.com/3e0d4ec7ae562f08cd17709d92f8d495l-m1800466083s-w1280.jpg",
"https://ap.rdcpix.com/3e0d4ec7ae562f08cd17709d92f8d495l-m3125531314s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 59.88,
"monthly_cash_flow": 1102.64,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property has Central heating and a Gas fireplace, indicating natural gas is the fuel. Graysville is a neighboring city listed in the property's area description, making it a likely provider. This was the more expensive option among plausible choices.",
"utility": "Heating",
"allowance": 54
},
{
"note": "The property is equipped with 'Central Air' conditioning, which is electric. Alabama Power is the primary electric utility in the region.",
"utility": "Cooling",
"allowance": 28
},
{
"note": "Property details explicitly state it has an 'Electric Water Heater'. Alabama Power is selected as the most probable electric provider.",
"utility": "Water Heating",
"allowance": 71
},
{
"note": "No cooking appliances are listed as included, so this is a tenant expense. While natural gas is available, an electric stove is a common alternative. Per the rules, the more expensive option (electric) was selected.",
"utility": "Cooking",
"allowance": 26
},
{
"note": "This covers general electricity for lights, outlets, and tenant-provided appliances. Alabama Power is the assumed provider.",
"utility": "Other Electric",
"allowance": 87
},
{
"note": "The property has 'Public Water'. Graysville is a neighboring city listed in the property's area description, making its water utility a plausible and specific choice.",
"utility": "Water",
"allowance": 118
},
{
"note": "The property has a 'Septic Tank' according to the listing details, so there is no monthly public sewer cost to the tenant.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Required for a single-family home. Adamsville is not listed in the schedule, so 'Jefferson City' is selected as a reasonable proxy for municipal service in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance, so the allowance for a tenant-owned unit is included.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A range or microwave is not listed as a provided appliance, so the allowance for tenant-owned units is included.",
"utility": "Range / Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.56,
"down_payment_amount": 23800.0,
"property_tax_annual": 1018.67,
"property_tax_monthly": 84.89,
"property_tax_increase": 0.03,
"utility_allowance_total": 418.0,
"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": 5631.21,
"property_management_monthly": 138.6,
"monthly_cash_flow_after_debt": 469.27,
"cash_on_cash_return_after_debt": 0.24
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this property appears in mostly good cosmetic condition with functioning HVAC visible and a maintained interior finish. Primary NSPIRE risks are missing/uncertain life-safety items (smoke/CO detectors, GFCI outlets), some stair/guardrail questions, drainage against the block foundation, and a large tree very close to the house (roof/roots risk). These are mostly repairable or require targeted trades (install detectors, add/repair rails, correct grade/gutters, evaluate foundation crack). Likely a pass after 1–4 weeks of targeted work, but absence of detectors or failing guardrails will cause an initial inspection fail until corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show intact flooring, painted walls and cosmetic updates; exterior has a fresh paint appearance. Visible finish-level issues: some exterior step/landing areas use loose pavers (trip hazard), small areas of trim wear, and older windows and porch finishes that may need sealing/replacement. Missing/unknown items (appliances, window hardware) are not visible — listing text indicates kitchen updates. Overall appears minor repairs/finish work only; no widespread interior damage visible."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 55.0,
"rationale": "Positive: solid entry door with two locks, no visible exposed wiring, electrical service and meter appear intact, interior ceilings intact, stairs have at least one handrail at front. Concerns: no smoke detectors or carbon monoxide detectors are visible in interior photos (absence would be an immediate NSPIRE fail), rear entry stairs lack a railing, front porch guardrail spacing and height not confirmed for code, GFCI outlets in kitchen/baths not visible, windows are older single-pane style — bedroom egress size not documented. Yard/grade has stones/uneven walking surface creating trip hazards. These create moderate inspection risk until detectors, GFCIs and required rails are confirmed/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Exterior HVAC condenser is present and looks recently installed and caged (positive). Roof appears to be metal and in generally good visual condition from photos (no visible sagging or active leaks). Electrical service is visible and appears intact. Plumbing fixtures, water heater and interior mechanicals are not shown — rental history suggests systems are functional, but lack of visible hot-water source or panel access prevents full confirmation. Close proximity of large tree to roof is a systems risk (branches/roots)."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 60.0,
"rationale": "Home sits on a painted concrete block foundation that shows at least one horizontal crack/repair line visible in photos — possible settlement or hairline cracking that needs evaluation. Large mature tree is very close to the structure (overhang and root pressure risk). Grade and landscaping show soil and debris up against the foundation and absence of visible gutters, raising concerns about drainage toward the foundation. Yard is uneven with brush and cut branches; small retaining/entry stone pieces present and may be trip hazards. Siding and paint otherwise appear maintained."
},
{
"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": [
"No visible smoke detectors or carbon monoxide detectors (NSPIRE immediate fail if absent).",
"Concrete block foundation horizontal cracking visible — potential foundation movement risk.",
"Large mature tree immediately adjacent to house (overhanging canopy and roots) — risk of roof/structural damage and debris causing clogged drainage.",
"Rear entry steps lack a handrail; some exterior steps/landings show temporary pavers and uneven surfaces (unsafe stairs/trip hazards).",
"Soil/grade and vegetation against foundation and no visible gutters — drainage toward foundation and moisture risk."
],
"confidence": 0.6,
"assumptions": [
"No smoke or carbon monoxide detectors were visible in interior photos; assume they are not installed or not visible and must be confirmed/installed.",
"Kitchen appliances, water heater and interior plumbing fixtures are not shown; assume typical working condition due to recent rental history but recommend verification.",
"Electrical panel is present and functional since exterior service appears intact; no exposed live wiring observed in photos.",
"Bedroom egress windows meet minimum size/egress requirements based on typical sash sizes visible, but sizes were not measured and should be confirmed.",
"Roof is assumed watertight based on visual condition in photos (no visible sagging or active leaks), though large tree proximity increases future risk.",
"Front door appears to have both knob and deadbolt (photo shows two locks); assumed compliant for security.",
"Rental history (events in last 5 years, last in 2023) is accurate per provided snapshot and used as a positive bonus."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 4BR/2BA home appears mostly serviceable and cosmetically updated in photos (fresh paint, newer flooring, intact roof and functioning exterior HVAC). Primary inspection risks are a visible vertical crack in the concrete block foundation, a very large tree immediately adjacent to the structure (root/fall risk), lack of visible smoke/CO detectors, and rear steps lacking a handrail. Several NSPIRE-critical items (smoke/CO alarms, GFCI, egress windows, hot water, electrical panel condition) are not shown and must be verified. With targeted repairs (address foundation crack assessment, install/prove smoke & CO detectors, add required handrails, clear vegetation, verify mechanicals) this property is likely Section 8 / HCV passable within ~2–4 weeks; as shown it rates in the 'minor repairs; likely rent-ready within 30 days' band.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 72.0,
"rationale": "Exterior and interior photos show a recently painted building with intact siding and new-looking interior flooring and fixtures. Minor deferred maintenance visible: concrete block foundation shows a long vertical crack on the side (photo 3), some exterior trim and window frames are older, and the front concrete/wood landing needs tidying. Landscaping and yard are raw and need cleanup. Missing interior photos for kitchen/bathroom appliances — listing text claims updated cabinetry but fridge/stove not visible. These are easy-to-fix/cosmetic or capital items (paint, trim, window maintenance, appliance procurement) except the foundation crack which is a higher priority but not definitive structural collapse."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No smoke or CO detectors are visible in the interior photos (required by NSPIRE). Entry door appears to have two locks (knob + secondary lock) but exact deadbolt presence is unclear. Front porch has a handrail and a metal stair handrail; rear small wooden steps currently lack a handrail (potential code fail if riser count/height requires one). No obvious exposed interior wiring in provided photos; exterior service and meter appear intact though some overhead/attached cabling along eaves looks loosely run. Bedroom egress not verified (bedroom photos not provided). No visible mold, active leaks, collapsed ceilings, or major trip hazards in photos. Overall there are several unknowns (detectors, egress windows, hot water, GFCI) that reduce the score."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Exterior shows a modern-looking HVAC condenser/cage on grade which indicates a functioning central system likely present. Roof appears to be metal or in good visual condition with no sagging or visible major defects. A chimney/flue pipe is visible which suggests a fireplace or vented appliance—requires confirmation of safe venting/clearances. Electrical panel is not visible in photos; plumbing and water heater not shown. Given the visible working HVAC unit and lack of obvious roof leaks or major system failures, systems look serviceable but several critical system items are unverified."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 60.0,
"rationale": "Large mature oak is immediately adjacent to the structure (photos 1, 3, 7) — root and falling limb risk to foundation and roof. Yard slopes and has bare soil close to foundation in places; drainage away from structure is marginal and vegetation is overgrown near the foundation on the rear/side (photos 4–8). Concrete block foundation vents present but a visible vertical crack suggests possible foundation movement. Walkways are informal stepping stones; driveway/defined parking not shown. Overall exterior is painted and maintained but site hazards and foundation crack reduce suitability without remediation."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Visible vertical crack in concrete block foundation (possible foundation movement).",
"Large mature tree immediately adjacent to house — root damage and falling limb risk.",
"Rear small wooden steps lack a handrail (potential code/fail item depending on riser count/height).",
"No visible smoke or carbon monoxide detectors in interior photos (NSPIRE requirement).",
"Overhead/side cabling along eaves appears loosely secured — potential electrical service concern to verify."
],
"confidence": 0.65,
"assumptions": [
"Interior photos do not show kitchens, bathrooms, bedrooms, electrical panel, water heater, or smoke/CO detectors — assumed present but unverified.",
"Listing text that mentions updated cabinetry and a stone fireplace is taken as indicative of some interior updates, but appliance condition (stove/fridge, water heater) is unknown.",
"HVAC condenser visible is assumed operational; no signs of roof leaks or ceiling water stains in interior photos, so no active interior leaks assumed.",
"Front entry appears to have two locks; assumed one is a deadbolt but not confirmed.",
"Foundation crack is assumed to be active or recent enough to require evaluation but not evidence of total structural failure in photos."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 4-bed, 2-bath single-family appears generally well-maintained cosmetically and is likely rentable with minor repairs and standard verification. Exterior paint, interior finishes and presence of an outdoor HVAC unit are positives. Primary inspection risks are a visible diagonal crack in the block foundation (recommend structural review), the large tree directly adjacent to the house (root/roof risk), and lack of visible smoke/CO detectors and GFCI confirmation in photos. With targeted fixes (install/verify smoke & CO alarms, GFCI checks, repair front step, address foundation crack assessment, clear brush and improve walkways), the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior photos show clean, updated-looking flooring and painted walls; exterior has fresh paint. Cosmetic repairs only: minor front-step repair (loose stones/blocks), small landscaping/yard cleanup, and potentially replacement/upgrade of older window units. No visible severe interior damage. Missing kitchen/bath photos prevent appliance verification but listing text says updated cabinetry and fireplace; absence of shown fridge/stove reduces score moderately."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 68.0,
"rationale": "No visible exposed wiring, stair handrails present (front rail on one side, rear steps have rails) and entry door has two locks. However no smoke detectors or CO alarms are visible in photos (required), GFCI locations in kitchen/baths not shown, and an exterior diagonal crack in the block foundation raises a potential structural/safety concern. Chimney/wood-stove pipe visible — needs verification of safe venting/clearances. No active water stains or collapsed ceilings observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Exterior HVAC condenser/heat-pump unit is present and looks recently installed/serviced and is protected by a small cage. Metal roof appears intact with no visible sagging. Electrical meter and service conduit are present. Plumbing, water heater, and electrical panel interiors were not photographed; functionality assumed but unconfirmed. Overall systems show presence and reasonable condition but require standard verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Exterior paint and siding look refreshed and foundation vents are present. However a visible diagonal crack in the concrete block foundation (side/rear) indicates possible movement and warrants structural evaluation. Large mature tree is right next to the house (root and roof risk). Yard is uneven with limited defined walkways and some brush/limb debris near the slope to woods which could cause drainage or pest issues."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Visible diagonal crack in concrete block foundation (potential foundation movement).",
"Large mature tree immediately adjacent to house (root damage to foundation, falling/roof damage risk).",
"No visible smoke detectors or carbon monoxide detectors in interior photos (NSPIRE failure if absent).",
"Chimney / stove pipe visible — requires verification of safe venting, cap and clearances.",
"Uneven walkways/loose stepping stones at front steps present a trip hazard and need repair."
],
"confidence": 0.65,
"assumptions": [
"Interior kitchen and bathrooms were not photographed; assume functional plumbing fixtures but unknown presence/condition of stove, refrigerator, water heater, and GFCI outlets.",
"HVAC is assumed operational because an outdoor condenser/heat-pump unit is present; no guarantee without service/test.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and are assumed absent until confirmed; these are typically required for inspection.",
"The diagonal crack in the block foundation is assumed non-catastrophic based on photos (no severe displacement or sagging visible) but represents potential structural risk requiring evaluation.",
"Roof is assumed to be watertight (metal roof visible, no staining/sagging in interior ceiling photos).",
"Electrical panel interior was not photographed; exterior service appears intact and connected.",
"Listing description mentioning 'updated cabinetry' is taken at face value but appliances may be missing or outdated."
],
"overall_score": 73.0,
"rubric_version": "ns-prompt-2026-02-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4400 Old Jasper Hwy, Adamsville, AL, 35005",
"aggregate": {
"summary": "Overall this property appears in mostly good cosmetic condition with functioning HVAC visible and a maintained interior finish. Primary NSPIRE risks are missing/uncertain life-safety items (smoke/CO detectors, GFCI outlets), some stair/guardrail questions, drainage against the block foundation, and a large tree very close to the house (roof/roots risk). These are mostly repairable or require targeted trades (install detectors, add/repair rails, correct grade/gutters, evaluate foundation crack). Likely a pass after 1–4 weeks of targeted work, but absence of detectors or failing guardrails will cause an initial inspection fail until corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Interior photos show intact flooring, painted walls and cosmetic updates; exterior has a fresh paint appearance. Visible finish-level issues: some exterior step/landing areas use loose pavers (trip hazard), small areas of trim wear, and older windows and porch finishes that may need sealing/replacement. Missing/unknown items (appliances, window hardware) are not visible — listing text indicates kitchen updates. Overall appears minor repairs/finish work only; no widespread interior damage visible."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 60.0,
"rationale": "Home sits on a painted concrete block foundation that shows at least one horizontal crack/repair line visible in photos — possible settlement or hairline cracking that needs evaluation. Large mature tree is very close to the structure (overhang and root pressure risk). Grade and landscaping show soil and debris up against the foundation and absence of visible gutters, raising concerns about drainage toward the foundation. Yard is uneven with brush and cut branches; small retaining/entry stone pieces present and may be trip hazards. Siding and paint otherwise appear maintained."
},
{
"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 (NSPIRE risk)",
"score": 62.7,
"rationale": "Positive: solid entry door with two locks, no visible exposed wiring, electrical service and meter appear intact, interior ceilings intact, stairs have at least one handrail at front. Concerns: no smoke detectors or carbon monoxide detectors are visible in interior photos (absence would be an immediate NSPIRE fail), rear entry stairs lack a railing, front porch guardrail spacing and height not confirmed for code, GFCI outlets in kitchen/baths not visible, windows are older single-pane style — bedroom egress size not documented. Yard/grade has stones/uneven walking surface creating trip hazards. These create moderate inspection risk until detectors, GFCIs and required rails are confirmed/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Exterior HVAC condenser is present and looks recently installed and caged (positive). Roof appears to be metal and in generally good visual condition from photos (no visible sagging or active leaks). Electrical service is visible and appears intact. Plumbing fixtures, water heater and interior mechanicals are not shown — rental history suggests systems are functional, but lack of visible hot-water source or panel access prevents full confirmation. Close proximity of large tree to roof is a systems risk (branches/roots)."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors (NSPIRE immediate fail if absent).",
"Concrete block foundation horizontal cracking visible — potential foundation movement risk.",
"Large mature tree immediately adjacent to house (overhanging canopy and roots) — risk of roof/structural damage and debris causing clogged drainage.",
"Rear entry steps lack a handrail; some exterior steps/landings show temporary pavers and uneven surfaces (unsafe stairs/trip hazards).",
"Soil/grade and vegetation against foundation and no visible gutters — drainage toward foundation and moisture risk."
],
"confidence": 0.85,
"assumptions": [
"No smoke or carbon monoxide detectors were visible in interior photos; assume they are not installed or not visible and must be confirmed/installed.",
"Kitchen appliances, water heater and interior plumbing fixtures are not shown; assume typical working condition due to recent rental history but recommend verification.",
"Electrical panel is present and functional since exterior service appears intact; no exposed live wiring observed in photos.",
"Bedroom egress windows meet minimum size/egress requirements based on typical sash sizes visible, but sizes were not measured and should be confirmed.",
"Roof is assumed watertight based on visual condition in photos (no visible sagging or active leaks), though large tree proximity increases future risk.",
"Front door appears to have both knob and deadbolt (photo shows two locks); assumed compliant for security.",
"Rental history (events in last 5 years, last in 2023) is accurate per provided snapshot and used as a positive bonus."
],
"score_method": "mean_of_criteria",
"overall_score": 67.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8336521971"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.