Property ID: 8341607809
1869 Pike Rd, Birmingham, AL, 35218
Birmingham, AL
Money Down: $20,400
CoC Return: 12.05%
Monthly Cash Flow: $205
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
12.05%
Rent
$896
Monthly Cash Flow
$205
Annual Cash Flow
$2,459
Debt Service / Mo
$452
Property Tax / Mo
$92
Insurance / Mo
$57
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$896
Payment Standard
$1,419
Rent
$896
Insurance
$57
Property Tax
$92
Management
$90
Utilities Allowance
$523
NOI (Monthly)
$657
Debt Service
$452
Cash Flow After Debt
$205
Quality Score: 63.40%
Confidence: 93.00%
Overall the property appears to be in fair condition and likely to pass an initial HCV/NSPIRE inspection after addressing a few minor-to-moderate issues. Major visible concerns are an unsafe/unhandrailed front stairway and unknown interior safety items (smoke/CO detectors, GFCI, egress windows) and unverified mechanical systems. Expect minor repairs and verification work (install/confirm detectors, add handrail, verify HVAC/plumbing/electrical) — likely rentable within 2–6 weeks if interior systems are functional and tenant access is available.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$896
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
3
Baths
1
Living Area
1,227 sqft
Lot Size
7,841 sqft
Year Built
1930
Days on Market
207
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$92
Insurance / Mo
$57
Property Description
This 3-bedroom, 1-bath home is currently tenant-occupied and located in a stable neighborhood. It offers a solid investment with potential for long-term value appreciation. Buyers are encouraged to conduct their own due diligence regarding the tenant status and property condition. A great addition for investors looking to expand their portfolio
Utility Allowances
Cooking
$21
Property's appliance list states 'None', so a tenant-owned electric stove is assumed. 'Ala Power' is selected as the most likely provider for Birmingham.
Heating
$93
Property has 'Central' heating. Fuel type was inferred to be electric as the water heater is electric. 'Ala Power' is selected as the likely provider.
Cooling
$22
Property has 'Central Air' which is electric. 'Alabama Power' is selected as the most likely provider for Birmingham.
Water Heating
$56
Property details explicitly state 'Electric Water Heater'. 'Ala Power' is selected as the likely provider.
Other Electric
$68
This covers general electricity for lights, etc. a tenant in a single-family home would pay. 'Ala Power' is selected as the most likely provider.
Water
$78
Property has 'Public Water', and the schedule provides a specific 'Water: Birmingham' option, which was selected.
Sewer
$151
Property details state 'Sewer: Connected'. The allowance is a fixed value for the corresponding bedroom count.
Trash Collection
$20
The schedule does not have a specific 'Birmingham' option; 'Jefferson City' was selected as the most logical alternative since Birmingham is in Jefferson County.
Refrigerator (tenant-owned)
$8
A refrigerator is not listed as a provided appliance, so the tenant-owned allowance is included as per the rules.
Range/Microwave (tenant-owned)
$6
A microwave is not listed as a provided appliance, so the tenant-owned allowance is included as per the rules.
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$551
DP3 Annual Estimate$827
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$69
Replacement Value$56,900
Basis1,227 sqft / 1930
Nearby Houses
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2333 Court R
sold · 0.09 mi
Price: $38,000
3 bd / 1 ba · 2,812 sqft
Latest sale: $38,000 on May 15, 2024
Latest rent: —
Photo unavailable
2423 Avenue T
sold · 0.10 mi
Price: $65,000
3 bd / 1 ba · 1,188 sqft
Latest sale: $65,000 on Aug 18, 2022
Latest rent: $1,200 on Oct 25, 2022
Photo unavailable
2429 Avenue T
sold · 0.11 mi
Price: $126,000
3 bd / 2 ba · 1,496 sqft
Latest sale: $126,000 on Jun 12, 2023
Latest rent: $1,300 on May 24, 2023
Photo unavailable
2009 22nd Street Ensley
sold · 0.14 mi
Price: $17,000
3 bd / 2 ba
Latest sale: $17,000
Latest rent: —
Photo unavailable
2348 Court R
for_sale · 0.14 mi
Price: $195,000
3 bd / 2 ba · 1,792 sqft
Latest sale: $80,000 on Aug 31, 2023
Latest rent: $1,700 on Jun 18, 2025
Photo unavailable
2352 Court R
sold · 0.15 mi
Price: $65,000
5 bd / 2 ba · 2,260 sqft
Latest sale: $65,000 on Jul 05, 2023
Latest rent: —
Photo unavailable
2531 Ensley Ave
sold · 0.19 mi
Price: $350,000
12 bd / 6 ba · 1,000 sqft
Latest sale: $350,000 on Feb 12, 2024
Latest rent: $850 on May 10, 2025
Risk and Criteria Detail
Red Flags
- success
- Front entry stairs lack a continuous handrail — unsafe stairs / failed handrail condition
- No visible smoke or carbon monoxide detectors (interior not shown) — potential code fail if missing
- Mechanical systems not visible (no exterior condensing unit observed) — HVAC presence and condition unverified
- Property built in 1930 — potential lead-based paint risk requiring evaluation
Assumptions
- Interior conditions (walls, ceilings, floors, appliances, plumbing fixtures, smoke/CO detectors) are not visible from provided photo and are assumed unknown.
- No active roof leaks or interior water damage are assumed because exterior roofline shows no obvious sagging or staining; however attic/ceiling conditions unknown.
- Heating and cooling systems are present and operational (tenant-occupied suggests functioning systems), but exact type and location are not visible and therefore unverified.
- Electrical panel, GFCI outlets, hot water availability, and plumbing integrity are assumed functional until inspection reveals otherwise.
- No visible exterior gas appliances or meters in photo; gas connections (if present) assumed safe but should be tested during inspection.
- Tenant-occupied status may limit immediate access for repairs; timelines assume cooperative access for inspection/repairs.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,068 | $73,700 | $14,740 |
| 2023 | $1,068 | $73,700 | $14,740 |
| 2022 | $803 | $55,400 | $11,080 |
| 2021 | $803 | $55,400 | $11,080 |
| 2020 | $803 | $55,400 | $11,080 |
| 2019 | $803 | $55,400 | $11,080 |
| 2018 | $700 | $48,300 | $9,660 |
| 2017 | $700 | $48,300 | $9,660 |
| 2016 | $401 | $27,700 | $5,540 |
| 2015 | $401 | $27,700 | $5,540 |
| 2013 | $397 | $27,500 | $5,500 |
| 2012 | $397 | $27,450 | $5,490 |
| 2011 | $400 | $27,700 | $5,540 |
| 2010 | $427 | $29,700 | $5,940 |
| 2009 | $400 | $27,700 | $5,540 |
| 2008 | $405 | $28,100 | $5,620 |
| 2007 | $648 | $45,600 | $9,120 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2015-01-29 | Sold | $38,500 |
| 2013-11-26 | Sold | $8,000 |
| 2011-06-08 | Sold | $9,000 |
| 2011-03-02 | Sold | $60,056 |
| 2008-03-24 | Sold | $8,500 |
| 2007-03-07 | Sold | $7,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-07-29 | Listed for rent | $995 | — |
| 2023-08-05 | Listed for rent | $1,000 | — |
| 2023-06-01 | Listed for rent | $1,100 | — |
| 2021-06-16 | Listed for rent | $800 | — |
| 2019-12-12 | Listed for rent | $750 | — |
Photo Gallery
Show raw JSON (debug)
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{
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{
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{
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{
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},
{
"tax": 397,
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},
{
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"assessment": {
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}
},
{
"tax": 427,
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"assessment": {
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}
},
{
"tax": 400,
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"assessment": {
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},
{
"tax": 405,
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}
},
{
"tax": 648,
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"building": 6120
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}
],
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{
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{
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{
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{
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{
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{
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{
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{
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],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property's appliance list states 'None', so a tenant-owned electric stove is assumed. 'Ala Power' is selected as the most likely provider for Birmingham.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property has 'Central' heating. Fuel type was inferred to be electric as the water heater is electric. 'Ala Power' is selected as the likely provider.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has 'Central Air' which is electric. 'Alabama Power' is selected as the most likely provider for Birmingham.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property details explicitly state 'Electric Water Heater'. 'Ala Power' is selected as the likely provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This covers general electricity for lights, etc. a tenant in a single-family home would pay. 'Ala Power' is selected as the most likely provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has 'Public Water', and the schedule provides a specific 'Water: Birmingham' option, which was selected.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details state 'Sewer: Connected'. The allowance is a fixed value for the corresponding bedroom count.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The schedule does not have a specific 'Birmingham' option; 'Jefferson City' was selected as the most logical alternative since Birmingham is in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance, so the tenant-owned allowance is included as per the rules.",
"utility": "Refrigerator (tenant-owned)",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance, so the tenant-owned allowance is included as per the rules.",
"utility": "Range/Microwave (tenant-owned)",
"allowance": 6
}
],
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"down_payment_amount": 17000.0,
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"property_tax_monthly": 91.67,
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"utility_allowance_total": 523.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2458.89,
"property_management_monthly": 89.6,
"monthly_cash_flow_after_debt": 204.91,
"cash_on_cash_return_after_debt": 0.14
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be in fair condition and likely to pass an initial HCV/NSPIRE inspection after addressing a few minor-to-moderate issues. Major visible concerns are an unsafe/unhandrailed front stairway and unknown interior safety items (smoke/CO detectors, GFCI, egress windows) and unverified mechanical systems. Expect minor repairs and verification work (install/confirm detectors, add handrail, verify HVAC/plumbing/electrical) — likely rentable within 2–6 weeks if interior systems are functional and tenant access is available.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior visible from photo shows generally intact vinyl siding, intact windows and an overall maintained appearance. Observable deferred items: concrete front steps are worn/stained and may have spalling; porch finish and small decorative elements show wear. No obvious collapsed ceilings, major siding damage, or broken windows from exterior photo. Missing interior items (appliances, fixtures) cannot be confirmed from images — absence of visible appliances in listing text/tenant status reduces turnkey readiness moderately but is not catastrophic."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Visible safety concerns: front entry stairs lack a continuous handrail which is an NSPIRE/code risk for the number of risers shown (unsafe stairs). No smoke/CO detectors are visible from exterior (cannot confirm interior presence). Door shows a metal security/storm door which likely provides locking, but deadbolt presence is not confirmed. No exposed electrical wiring or obvious structural sagging visible from the photo. Egress windows, GFCI, plumbing fixtures, and interior mold/peeling paint cannot be confirmed from exterior image; given age (1930) there is an elevated lead-paint risk that requires testing. Taken together these create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Electrical, Plumbing)",
"score": 55.0,
"rationale": "Roof appears intact without visible sagging or active collapse, but shows age/discoloration — likely serviceable short-term but may need replacement in medium term. No exterior HVAC condenser or obvious mechanical equipment visible in the photo (could be located out of frame or interior systems). No visible water intrusion or active roof leaks from exterior view. Electrical service/panel and water heater are not visible; tenant-occupied status suggests systems are functioning now but not confirmed. Because major systems cannot be verified and the home is older, assign moderate risk and likely need 1–2 system checks/servicing prior to a formal inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Lot and yard are maintained at a basic level (mown grass, clear pathways). Vinyl siding and painted foundation appear in generally good order from the photo. Walkway to porch is a worn dirt path with uneven surface and could be a minor trip hazard. Large tree close to roof could contribute to roof debris and requires routine maintenance. No obvious drainage/standing water or infestation evidence visible. Porch railing exists on left side but stairs lack handrails as noted under safety."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5yr)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Front entry stairs lack a continuous handrail — unsafe stairs / failed handrail condition",
"No visible smoke or carbon monoxide detectors (interior not shown) — potential code fail if missing",
"Mechanical systems not visible (no exterior condensing unit observed) — HVAC presence and condition unverified",
"Property built in 1930 — potential lead-based paint risk requiring evaluation"
],
"confidence": 0.55,
"assumptions": [
"Interior conditions (walls, ceilings, floors, appliances, plumbing fixtures, smoke/CO detectors) are not visible from provided photo and are assumed unknown.",
"No active roof leaks or interior water damage are assumed because exterior roofline shows no obvious sagging or staining; however attic/ceiling conditions unknown.",
"Heating and cooling systems are present and operational (tenant-occupied suggests functioning systems), but exact type and location are not visible and therefore unverified.",
"Electrical panel, GFCI outlets, hot water availability, and plumbing integrity are assumed functional until inspection reveals otherwise.",
"No visible exterior gas appliances or meters in photo; gas connections (if present) assumed safe but should be tested during inspection.",
"Tenant-occupied status may limit immediate access for repairs; timelines assume cooperative access for inspection/repairs."
],
"overall_score": 65.0,
"rubric_version": "1.0"
},
{
"summary": "Exterior photo and listing indicate a largely sound older single-family home with intact siding and roof and only moderate exterior maintenance needs. The missing front stair handrail is the primary NSPIRE risk and could cause an initial inspection failure if not corrected; interior system conditions (HVAC, smoke/CO alarms, plumbing, electrical) are not visible and should be verified. With a handrail installed, verification/installation of required detectors, and confirmation of heating/AC and plumbing, the property is likely to pass an initial HCV inspection within 30 days. Tenant-occupied status and recent rental history increases confidence in basic habitability.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Exterior visible from photo shows intact vinyl siding, painted foundation, and an intact roof surface with no obvious missing shingles or sag. Concrete front steps and porch show wear, staining and chipping and would benefit from cleaning/repair; path and lawn are somewhat overgrown. No interior photos to verify flooring, cabinets, or bath condition. Missing/unknown appliances not visible from exterior and therefore not heavily penalized. Overall mostly cosmetic and minor repairs likely."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 40.0,
"rationale": "Significant NSPIRE concern observed: the front entry has a flight of several steps with no continuous handrail on the exposed side(s) — this is commonly an inspection-fail (unsafe stairs). No smoke/CO detectors can be confirmed from the photo. Entry has a metal security door which implies locking capability. No exposed electrical hazards are visible from exterior. Because missing handrail is likely a code fail and smoke/CO presence unverified, safety score is reduced to reflect an inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 60.0,
"rationale": "Roof appears intact from the photo with no visible sagging or active leaks. No exterior HVAC condenser or mechanical equipment is visible in the provided image — HVAC presence/function is unconfirmed. Plumbing, electrical panel, and water heater condition cannot be verified from the exterior-only photo. Given visible roof condition but unknown HVAC and internal systems, score reflects moderate uncertainty and potential for routine repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Siding and foundation appear intact and painted; porch and railings exist though stairs lack a handrail. Yard and walkway are basic and somewhat overgrown but not hazardous. A large tree overhangs the roof which is a maintenance concern (risk of limb damage) but no obvious foundation or drainage failures are visible. No signs of standing water, severe neglect, or pest infestation in the photo."
},
{
"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": [
"Unsafe stairs / missing handrail (likely an NSPIRE inspection fail)",
"No visible heating/AC equipment from exterior (heating system not confirmed)",
"Overhanging tree limbs adjacent to roof (risk for roof damage if not trimmed)"
],
"confidence": 0.6,
"assumptions": [
"Assessment based on a single exterior front photo and listing data; interior conditions (bath, kitchen, bedrooms, detectors, appliances, electrical panel, water heater, HVAC) are unknown.",
"Front steps have five or more risers and currently lack a continuous handrail on at least one side, based on the photo.",
"No obvious roof sagging or active water intrusion is visible in the provided exterior image; assume roof is serviceable but not recently inspected.",
"No exterior HVAC condenser unit is visible in the photo; assume the heating/cooling system exists but its condition and presence are unconfirmed.",
"Smoke and carbon monoxide detectors are assumed unverified — tenant-occupied status means they may be present but must be confirmed for inspection."
],
"overall_score": 65.0,
"rubric_version": "ns_pire_v1.0"
},
{
"summary": "Based on the exterior photo and listing data, the property appears generally serviceable and likely to pass an initial HCV/NSPIRE inspection after addressing a few minor to moderate items. The primary visible deficiency is the lack of a continuous handrail on the front steps (safety failure). Mechanical and interior safety items (smoke/CO detectors, GFCI, egress windows, interior plumbing/heating) are unverified and should be inspected; however, tenant-occupied status and recent rental history suggest utilities are active. Expect minor repairs and verification work (install handrail, confirm detectors and GFCI, verify HVAC and hot water) to bring the unit fully into compliance — likely rent-ready within 2–6 weeks depending on interior findings.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior visible in photo shows generally intact vinyl siding, a secure-looking metal security door, intact windows, and an overall sound exterior finish. Concrete entry steps and porch show wear and staining but no collapse. Lawn and walkway are worn and will need basic landscaping. Tenant-occupied status increases likelihood interior wear exists but is not visible. No major exterior cosmetic failures observed. Missing interior items (appliances, fixtures) cannot be confirmed from the photo and are treated as moderate risk only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "Visible primary safety concern: the front entry steps appear to lack a continuous handrail, creating an NSPIRE safety issue for the exterior stairs. No visible exposed wiring or sagging roof/ceiling from exterior. Smoke/CO detectors, GFCI protection, bedroom egress, and electrical panel locations are not visible in the photo and therefore cannot be verified — this creates moderate inspection risk. The metal security door and porch railing are positives. Tree canopy overhangs the roof which increases long-term roof/debris risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Roof shingles appear intact from the single-angle photo with no visible sagging or obvious missing fields, suggesting no active major roof failure. No external HVAC condenser or water heater is visible in the image (could be located elsewhere), so mechanical systems (heating/cooling, water heater, plumbing) are unverified. Given the property is tenant-occupied and has recent rental history, basic utilities are likely active, but their condition and code compliance cannot be confirmed — moderate risk to pass an initial inspection without interior verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Yard and walkway are serviceable but show wear and bare areas; grading/drainage issues are not apparent from the photo. Foundation appears continuous and painted; no visible major foundation cracks or settling in the pictured elevation. Vinyl siding looks in good repair. Large tree close to the house/roofline is a concern for roof debris and potential future damage. Porch support posts look basic but functional. Driveway/sidewalk condition beyond the front path is not shown."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Occupancy",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing/insufficient handrail on front entry steps (unsafe stairs - NSPIRE failure risk).",
"Large tree overhanging roofline (increased risk of roof damage, debris, and clogged gutters).",
"Absence of verifiable smoke and carbon monoxide detectors from available photos (detectors must be checked/installed)."
],
"confidence": 0.6,
"assumptions": [
"Photo is representative of the main street/front elevation and there are no additional major exterior failures on other elevations not shown.",
"Utilities (electric, water) are active because the property is tenant-occupied and has recent rental events.",
"Interior condition is fair-to-moderate given tenant occupation; no visible exterior evidence of fire damage, collapsed ceilings, or exterior structural failure.",
"HVAC and water heater are present and operational but are located out of view (not visible in provided photo); their operability is unverified.",
"No appliances, smoke/CO detectors, GFCI outlets, or interior plumbing defects could be confirmed from the exterior photo and therefore were treated as unknowns requiring verification.",
"No significant peeling paint or obvious severe mold observed on the exterior; however, given the build year (1930) a lead-risk paint assumption is possible and requires testing if interior paint is original."
],
"overall_score": 68.0,
"rubric_version": "ns_prep_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1869 Pike Rd, Birmingham, AL, 35218",
"aggregate": {
"summary": "Overall the property appears to be in fair condition and likely to pass an initial HCV/NSPIRE inspection after addressing a few minor-to-moderate issues. Major visible concerns are an unsafe/unhandrailed front stairway and unknown interior safety items (smoke/CO detectors, GFCI, egress windows) and unverified mechanical systems. Expect minor repairs and verification work (install/confirm detectors, add handrail, verify HVAC/plumbing/electrical) — likely rentable within 2–6 weeks if interior systems are functional and tenant access is available.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Exterior visible from photo shows generally intact vinyl siding, intact windows and an overall maintained appearance. Observable deferred items: concrete front steps are worn/stained and may have spalling; porch finish and small decorative elements show wear. No obvious collapsed ceilings, major siding damage, or broken windows from exterior photo. Missing interior items (appliances, fixtures) cannot be confirmed from images — absence of visible appliances in listing text/tenant status reduces turnkey readiness moderately but is not catastrophic."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Lot and yard are maintained at a basic level (mown grass, clear pathways). Vinyl siding and painted foundation appear in generally good order from the photo. Walkway to porch is a worn dirt path with uneven surface and could be a minor trip hazard. Large tree close to roof could contribute to roof debris and requires routine maintenance. No obvious drainage/standing water or infestation evidence visible. Porch railing exists on left side but stairs lack handrails as noted under safety."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5yr)",
"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 Risk",
"score": 53.3,
"rationale": "Visible safety concerns: front entry stairs lack a continuous handrail which is an NSPIRE/code risk for the number of risers shown (unsafe stairs). No smoke/CO detectors are visible from exterior (cannot confirm interior presence). Door shows a metal security/storm door which likely provides locking, but deadbolt presence is not confirmed. No exposed electrical wiring or obvious structural sagging visible from the photo. Egress windows, GFCI, plumbing fixtures, and interior mold/peeling paint cannot be confirmed from exterior image; given age (1930) there is an elevated lead-paint risk that requires testing. Taken together these create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Electrical, Plumbing)",
"score": 58.3,
"rationale": "Roof appears intact without visible sagging or active collapse, but shows age/discoloration — likely serviceable short-term but may need replacement in medium term. No exterior HVAC condenser or obvious mechanical equipment visible in the photo (could be located out of frame or interior systems). No visible water intrusion or active roof leaks from exterior view. Electrical service/panel and water heater are not visible; tenant-occupied status suggests systems are functioning now but not confirmed. Because major systems cannot be verified and the home is older, assign moderate risk and likely need 1–2 system checks/servicing prior to a formal inspection."
}
],
"red_flags": [
"Front entry stairs lack a continuous handrail — unsafe stairs / failed handrail condition",
"No visible smoke or carbon monoxide detectors (interior not shown) — potential code fail if missing",
"Mechanical systems not visible (no exterior condensing unit observed) — HVAC presence and condition unverified",
"Property built in 1930 — potential lead-based paint risk requiring evaluation"
],
"confidence": 0.93,
"assumptions": [
"Interior conditions (walls, ceilings, floors, appliances, plumbing fixtures, smoke/CO detectors) are not visible from provided photo and are assumed unknown.",
"No active roof leaks or interior water damage are assumed because exterior roofline shows no obvious sagging or staining; however attic/ceiling conditions unknown.",
"Heating and cooling systems are present and operational (tenant-occupied suggests functioning systems), but exact type and location are not visible and therefore unverified.",
"Electrical panel, GFCI outlets, hot water availability, and plumbing integrity are assumed functional until inspection reveals otherwise.",
"No visible exterior gas appliances or meters in photo; gas connections (if present) assumed safe but should be tested during inspection.",
"Tenant-occupied status may limit immediate access for repairs; timelines assume cooperative access for inspection/repairs."
],
"score_method": "mean_of_criteria",
"overall_score": 63.4,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8341607809"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.