Property ID: 8342846420
158 Cameron Dr, Gretna, LA, 70056
Gretna, LA
Money Down: $57,480
CoC Return: -1.82%
Monthly Cash Flow: $-87
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$47,900
Closing Costs
$9,580
Total Down
$57,480
Investment Snapshot
Purchase Price
$239,500
Money Down
$57,480
Cash-on-Cash Return
-1.82%
Rent
$1,696
Monthly Cash Flow
$-87
Annual Cash Flow
$-1,047
Debt Service / Mo
$1,275
Property Tax / Mo
$210
Insurance / Mo
$129
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$129
Property Tax
$210
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,187
Debt Service
$1,275
Cash Flow After Debt
$-87
Quality Score: 78.90%
Confidence: 95.00%
Based on photos and listing information, this 3-bed single family home appears well maintained with recent major plumbing work (underslab pipe replacement) and a new water heater. Interior finishes are updated and clean, kitchen appliances present, and no visible structural or life‑threatening hazards appear in the images. The most likely inspection contingencies are smoke/CO detector placement and function, GFCI protection and bedroom egress verification, and confirmation that the central HVAC and hot water operate. Exterior driveway cracking and patchy landscaping are minor issues. Overall the property is likely to pass an initial HCV/NSPIRE inspection after standard pre‑inspection checks and addressing any missing detectors or GFCI devices.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$239,500
Beds
3
Baths
2
Living Area
1,650 sqft
Lot Size
—
Year Built
1975
Days on Market
128
Capital Outlay
$57,480
Debt Service
$1,275
Property Tax / Mo
$210
Insurance / Mo
$129
Property Description
This is a very well-kept home with a sunken den and quality hard floors throughout the house. The house has a den and a separate nice-sized living room with a high ceiling. There is a double-pane sliding door (that leads to the covered patio)- new water heater. Very nice and complete kitchen. NEW UNDERSLAB PIPES ARE DONE (Dec 2024). The owner has installed a pump to get water from the backyard to the drainage line. The house is only a few short blocks from the bus line, Aldi market, Walgreens, Oschner Hospital, Regions & Chase bank, and Boudreaux Elementary School. It is very easy to view the interior; just call, and an appointment will be made right away.
Utility Allowances
heating
$70
Property info specifies 'Heating: ... Central' and 'Gas: Natural', indicating natural gas central heating.
cooking
$12
Property info explicitly states 'Gas: Natural' and includes a range, indicating a gas stove for cooking.
water_heating
$24
The property has a water heater and the utility information specifies 'Gas: Natural,' indicating a gas-powered water heater.
other_electric
$67
This is a standard charge for general electricity use, including lights and appliances like the provided dishwasher and a presumed tenant-owned refrigerator.
water
$43
Property info explicitly states 'Water Source: Public'.
sewer
$46
Property info explicitly states 'Sewer: City' and 'Public Sewer'.
trash_collection
$25
Standard municipal service for a single-family home. It is assumed to be a tenant expense as it is included in the local utility schedule.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,543
DP3 Annual Estimate$1,543
DP1 Monthly Equivalent$129
DP3 Monthly Equivalent$129
Replacement Value$157,100
Basis1,650 sqft / 1975
Nearby Houses
Photo unavailable
512 Commerce St # 512
off_market · 0.30 mi
Price: $1,500
3 bd / 2 ba · 1,200 sqft
Latest sale: —
Latest rent: $1,500 on Nov 03, 2025
Photo unavailable
2929 Penwood Dr
for_sale · 0.30 mi
Price: $160,000
2 bd / 2 ba · 1,200 sqft
Latest sale: —
Latest rent: —
Photo unavailable
132 Southwood Dr
for_sale · 0.30 mi
Price: $385,000
4 bd / 3 ba · 2,679 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2904 Penwood Dr
sold · 0.31 mi
Price: $268,000
3 bd / 2 ba · 1,589 sqft
Latest sale: —
Latest rent: —
Photo unavailable
105 Firethorn Dr
off_market · 0.35 mi
Price: $2,000
3 bd / 2 ba · 1,700 sqft
Latest sale: —
Latest rent: $2,000 on Mar 26, 2024
Photo unavailable
304 Brett Dr
sold · 0.36 mi
Price: $150,000
3 bd / 1 ba · 1,301 sqft
Latest sale: — on Dec 03, 2021
Latest rent: —
Photo unavailable
2509 Belle Chasse Hwy Lot C1
for_sale · 0.39 mi
Price: $99,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
233 Southwood Dr
for_sale · 0.42 mi
Price: $299,900
4 bd / 3 ba · 2,450 sqft
Latest sale: — on Feb 15, 2008
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors and carbon monoxide alarms are installed and operational though not visible in provided photos; if missing they would need immediate installation.
- Central HVAC is present and operational (supply/return vents visible), but full operational check not performed.
- Hot water is available and the new water heater is installed to code and vented properly as stated in listing.
- Electrical service/panel is intact and without exposed wiring; outlets have covers and are functional (no visible electrical hazards).
- Bedrooms contain compliant egress windows though not shown in photos.
- Bathrooms are in good functional condition (no photos provided) and will not present major plumbing or mold issues.
- Underslab pipe replacement (Dec 2024) and backyard pump installation resolved prior drainage/water intrusion issues as claimed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,451 | $184,300 | $18,430 |
| 2024 | $2,444 | $184,300 | $18,430 |
| 2023 | $2,409 | $184,300 | $18,430 |
| 2022 | $2,348 | $184,300 | $18,430 |
| 2021 | $2,213 | $184,300 | $18,430 |
| 2020 | $1,271 | $106,600 | $10,660 |
| 2019 | $1,303 | $106,600 | $10,660 |
| 2018 | $1,217 | $106,600 | $10,660 |
| 2017 | $1,167 | $106,600 | $10,660 |
| 2016 | $1,143 | $106,600 | $10,660 |
| 2015 | $1,160 | $105,600 | $10,560 |
| 2014 | $1,146 | $105,600 | $10,560 |
| 2013 | $1,107 | $105,600 | $10,560 |
| 2012 | $1,107 | $105,600 | $10,560 |
| 2011 | $1,118 | $106,500 | $10,650 |
| 2010 | $1,091 | $106,500 | $10,650 |
| 2009 | $1,091 | $106,500 | $10,650 |
| 2008 | $1,080 | — | $10,650 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-11-25 | Sold | — |
Photo Gallery
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8342846420",
"generated_at": "2026-03-27T17:05:47.251874Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 78.9
},
"utility_allowance": {
"zip_code": "70056",
"home_photo": "https://ap.rdcpix.com/46051c80138593ebe41bbaffc4568b7dl-m500400451s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 191600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/158-Cameron-Dr_Gretna_LA_70056_M83428-46420",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 239500.0,
"loan_term_years": 30,
"annual_cash_flow": 14249.27,
"mortgage_monthly": 1274.72,
"payment_standard": 1983.0,
"total_amount_out": 47900.0,
"additional_photos": [
"https://ap.rdcpix.com/46051c80138593ebe41bbaffc4568b7dl-m618476997s-w1280.jpg",
"https://ap.rdcpix.com/46051c80138593ebe41bbaffc4568b7dl-m237525074s-w1280.jpg",
"https://ap.rdcpix.com/46051c80138593ebe41bbaffc4568b7dl-m3193457842s-w1280.jpg",
"https://ap.rdcpix.com/46051c80138593ebe41bbaffc4568b7dl-m1744817674s-w1280.jpg",
"https://ap.rdcpix.com/46051c80138593ebe41bbaffc4568b7dl-m1562894030s-w1280.jpg",
"https://ap.rdcpix.com/46051c80138593ebe41bbaffc4568b7dl-m272004227s-w1280.jpg",
"https://ap.rdcpix.com/46051c80138593ebe41bbaffc4568b7dl-m1982249499s-w1280.jpg",
"https://ap.rdcpix.com/46051c80138593ebe41bbaffc4568b7dl-m2413025646s-w1280.jpg",
"https://ap.rdcpix.com/46051c80138593ebe41bbaffc4568b7dl-m1562894030s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 128.58,
"monthly_cash_flow": 1187.44,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property info specifies 'Heating: ... Central' and 'Gas: Natural', indicating natural gas central heating.",
"utility": "heating",
"allowance": 70
},
{
"note": "Property info explicitly states 'Gas: Natural' and includes a range, indicating a gas stove for cooking.",
"utility": "cooking",
"allowance": 12
},
{
"note": "The property has a water heater and the utility information specifies 'Gas: Natural,' indicating a gas-powered water heater.",
"utility": "water_heating",
"allowance": 24
},
{
"note": "This is a standard charge for general electricity use, including lights and appliances like the provided dishwasher and a presumed tenant-owned refrigerator.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "Property info explicitly states 'Water Source: Public'.",
"utility": "water",
"allowance": 43
},
{
"note": "Property info explicitly states 'Sewer: City' and 'Public Sewer'.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Standard municipal service for a single-family home. It is assumed to be a tenant expense as it is included in the local utility schedule.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 47900.0,
"property_tax_annual": 2524.53,
"property_tax_monthly": 210.38,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -1047.36,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -87.28,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Based on photos and listing information, this 3-bed single family home appears well maintained with recent major plumbing work (underslab pipe replacement) and a new water heater. Interior finishes are updated and clean, kitchen appliances present, and no visible structural or life‑threatening hazards appear in the images. The most likely inspection contingencies are smoke/CO detector placement and function, GFCI protection and bedroom egress verification, and confirmation that the central HVAC and hot water operate. Exterior driveway cracking and patchy landscaping are minor issues. Overall the property is likely to pass an initial HCV/NSPIRE inspection after standard pre‑inspection checks and addressing any missing detectors or GFCI devices.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior photos show recently replaced-looking flooring, fresh paint, intact drywall and trim, updated kitchen cabinets and countertops, functioning built-in appliances (dishwasher, wall oven, refrigerator visible). Listing notes a new water heater and recent underslab pipe replacement. Minor deferred items observed: cracked driveway concrete at front, patchy front yard and landscaping, and no interior photos of bathrooms and bedrooms to confirm cosmetic condition there. No visible large cosmetic damage or holes; missing small items (smoke detectors not visible in photos) are assumed to be present. Overall moderate-to-low repair needs; primarily cosmetic and exterior site cleanup."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "No active life‑threatening hazards visible: ceilings and beams appear intact, no visible water stains or mold in photos, kitchen plumbing fixtures appear in good condition, electrical outlets and covers present. Central HVAC registers visible (suggests heating/cooling). Listing mentions new water heater and underslab pipe work. Items not verifiable from photos: presence/location/function of smoke detectors and CO alarms, GFCI operation in kitchen/bath, bedroom egress window sizing, electrical panel condition, and hot water operation. Because there are no visual red flags (exposed wiring, sagging structure, active leaks, severe mold), risk is moderate-low but contingent on verifying detectors, GFCI, and egress during inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 82.0,
"rationale": "Listing states new water heater and underslab pipe replacement (Dec 2024) — major positive for plumbing. HVAC registers visible suggesting a central system; no visible corrosion or rust on appliances. Kitchen shows built-in oven and dishwasher and refrigerator, indicating functioning kitchen systems likely present. Roof shingles appear uniform and in good visual condition from front photo. Limitations: no photo of electrical service/panel, water heater location and venting not shown, and no direct confirmation HVAC is operational. Given the documented plumbing upgrades and lack of visual system defects, overall systems risk is low-moderate."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 72.0,
"rationale": "Brick facade appears intact and well maintained; roof looks in good visual condition. Driveway has notable cracking/settlement visible in photos and will likely need patching; front yard is thin/patchy and drainage mitigations (pump to drainage line) were installed per listing — indicates prior water management issues but owner addressed with underslab pipes and a pump. Large shade tree close to house may create root/drainage issues in future. No visible termite/infestation evidence or collapsed features. Overall exterior is serviceable but requires attention to driveway and yard/drainage maintenance."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are installed and operational though not visible in provided photos; if missing they would need immediate installation.",
"Central HVAC is present and operational (supply/return vents visible), but full operational check not performed.",
"Hot water is available and the new water heater is installed to code and vented properly as stated in listing.",
"Electrical service/panel is intact and without exposed wiring; outlets have covers and are functional (no visible electrical hazards).",
"Bedrooms contain compliant egress windows though not shown in photos.",
"Bathrooms are in good functional condition (no photos provided) and will not present major plumbing or mold issues.",
"Underslab pipe replacement (Dec 2024) and backyard pump installation resolved prior drainage/water intrusion issues as claimed."
],
"overall_score": 79.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "This 3BR/2BA single-family home appears largely turnkey for Section 8 based on photos and the listing: interior finishes and systems look recently updated, underslab piping and a new water heater were replaced in 2024, and there are no visible structural or life-threatening hazards. Primary inspection risks are missing/undocumented smoke and CO detectors, unverified bedroom egress windows, and unshown electrical panel/GFCI verification. Exterior needs minor maintenance (driveway, yard). With verification/installation of required detectors and a quick systems check, this property is likely to pass an initial HCV inspection within a short timeframe.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior appears recently updated and well maintained: consistent new-looking laminate flooring throughout, fresh paint, updated kitchen cabinets/counters, visible appliances (fridge, dishwasher, wall oven). No visible water stains, peeling paint, or damaged drywall. Exterior shows normal wear (sparse lawn, some landscaping needs). Driveway has visible cracking but is functional. Missing/loose small cosmetic items not observed. Overall cosmetic and finish condition is good; only minor exterior maintenance and driveway repair likely needed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 78.0,
"rationale": "No obvious life-threatening hazards in photos: ceilings intact, no visible active leaks, no exposed wiring, no collapsed areas. Central HVAC vents visible (heating present). However, smoke detectors and carbon monoxide detectors are not visible in provided photos and bedroom egress windows are not shown — these are required by NSPIRE and commonly cause initial inspection failures if missing. Entry door and garage appear secure but deadbolt presence not visible. Kitchen outlets appear covered; GFCI near sink not clearly identified. Given the overall recent renovations and lack of visible hazards, moderate risk exists only for detector/GFCI/egress verification."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 82.0,
"rationale": "Listing reports new water heater and underslab pipe replacement (Dec 2024) and a drainage pump installed — strong indicators of recent plumbing work. Roof shingles appear in good condition in exterior photo. HVAC registers visible in ceiling photos indicating central system likely present. Appliances (dishwasher, wall oven, fridge) are present and appear functional. Electrical panel not shown and water heater location/venting not pictured, so some system verifications remain necessary, but visible evidence points to generally sound systems."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 72.0,
"rationale": "Brick exterior and roof appear in good condition; covered patio indicated by listing. Driveway has multiple cracks and settlement lines that are cosmetic but could be tripping areas; yard is sparsely maintained with some bare patches. No visible foundation displacement or major exterior damage. Landscaping and drainage improvements (pump) noted, which reduces prior flood/standing-water risk. Overall site is serviceable but would benefit from driveway and yard maintenance."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in the photos; assume they may be present but must be verified — if absent they will need installation.",
"Bedrooms have compliant egress windows typical for homes of this type; egress windows were not photographed and should be confirmed.",
"Central HVAC is present and operational (ceiling registers visible); full functionality not demonstrated but assumed given overall condition and interior comfort fixtures.",
"Electrical panel exists and is intact and grounded; not pictured but assumed accessible and functional.",
"Bathrooms, plumbing fixtures, and water heater are functional — listing states new water heater and underslab pipes replacement Dec 2024, supporting this assumption.",
"No evidence of active roof leaks, major foundation movement, severe mold, or hidden structural issues visible in provided images; this is assumed absent based on photos and recent renovations."
],
"overall_score": 80.0,
"rubric_version": "ns-pipeline-v1"
},
{
"summary": "This property appears well-maintained and close to turnkey for a Housing Choice Voucher inspection. Interior finishes, updated kitchen, new water heater, and recent underslab pipe replacement strongly favor a pass. Primary inspection risks are verification-type items: presence/placement of smoke and CO detectors, GFCI protection at kitchen/bath, handrail at entry if required, and confirmation of electrical panel condition. Exterior driveway/walkway cracking and yard drainage are the main site issues but are repairable. With installation/verifications of detectors/GFCI (if missing) and minor exterior repairs, the house is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Overall visible condition & repairs",
"score": 82.0,
"rationale": "Interior photos show recently finished-looking surfaces: consistent vinyl/laminate flooring, freshly painted walls, intact cabinets, and a well-kept kitchen (built-in oven, dishwasher, fridge visible). Listing notes new water heater and recent underslab pipe replacement (Dec 2024). Cosmetic condition appears good; only visible deferred items are exterior driveway/walkway cracks and some sparse lawn/landscaping. Missing or damaged small items (outlet covers, minor trim) are not visible. Missing appliances are not an issue here because major kitchen appliances are present."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "No visible exposed wiring, no visible ceiling stains or active water intrusion, and living spaces appear safe with intact floors and stable ceilings. Central HVAC vents are visible (suggesting heating/cooling). However smoke detectors and carbon monoxide detectors are not visible in photos (not confirmed). GFCI receptacles at the kitchen sink are not clearly identifiable in photos. Entry-door deadbolt presence is not clearly visible. Front-step/porch handrail is not shown; there is a low step up to the front entry and could require a handrail depending on height. Bedroom egress and bathroom plumbing function cannot be confirmed from photos. Given overall good condition but these verification gaps, risk is moderate — likely fixable with small installations (smoke/CO detectors, GFCI) prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 80.0,
"rationale": "Listing states new water heater and underslab pipes replaced Dec 2024; seller-installed backyard pump for drainage. Interior shows ceiling vents consistent with central HVAC (no visible signs of failure). Roof appears intact with no visible sagging or missing shingles in exterior photo. Electrical panel and water heater location not shown; no visible signs of electrical hazards in photos. Overall systems indicators are strong due to recent plumbing work and apparent maintained HVAC, but lack of direct photos of electrical panel and mechanical equipment prevents a higher score."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site (driveway, yard, foundation, walkways)",
"score": 70.0,
"rationale": "Brick exterior and roof visually intact with no obvious foundation displacement. However the driveway and front walkway show notable cracking and settlement which can be trip hazards and could be cited depending on locality/inspector. Yard is patchy and drainage was a concern historically (listing cites pump installation to move water to drainage line). Landscaping is minimal but there is no visible infestation or major exterior neglect. These items are repairable but reduce the exterior score."
}
],
"red_flags": [
"Cracked and uneven driveway/walkway creating trip hazards (visible).",
"No visible smoke detectors or carbon monoxide detectors in photos — verification needed before inspection and likely required for pass.",
"GFCI protection at kitchen sink not clearly visible — may require retrofit or verification.",
"Handrail at front entry/steps not evident in photos — may be required depending on step height and local code."
],
"confidence": 0.75,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or not properly located unless verified.",
"GFCI receptacles at kitchen and bathrooms are not clearly visible; assume they may need verification or retrofit.",
"Central HVAC is present and operational based on visible ceiling vents; full functionality not directly verified.",
"Electrical panel condition, meter, and breaker labeling are not shown; assume standard condition unless issues reported.",
"Bedrooms and bathrooms are not shown in the provided photos; bedroom egress and bathroom plumbing/hot water are assumed functional based on listing statements (2 baths) and new water heater.",
"Entry door likely has standard locking hardware but deadbolt presence is unverified.",
"New underslab pipes (Dec 2024) and new water heater per listing are accurate and reduce plumbing risk."
],
"overall_score": 78.0,
"rubric_version": "2026-03-Section8-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "158 Cameron Dr, Gretna, LA, 70056",
"aggregate": {
"summary": "Based on photos and listing information, this 3-bed single family home appears well maintained with recent major plumbing work (underslab pipe replacement) and a new water heater. Interior finishes are updated and clean, kitchen appliances present, and no visible structural or life‑threatening hazards appear in the images. The most likely inspection contingencies are smoke/CO detector placement and function, GFCI protection and bedroom egress verification, and confirmation that the central HVAC and hot water operate. Exterior driveway cracking and patchy landscaping are minor issues. Overall the property is likely to pass an initial HCV/NSPIRE inspection after standard pre‑inspection checks and addressing any missing detectors or GFCI devices.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 82.3,
"rationale": "Interior photos show recently replaced-looking flooring, fresh paint, intact drywall and trim, updated kitchen cabinets and countertops, functioning built-in appliances (dishwasher, wall oven, refrigerator visible). Listing notes a new water heater and recent underslab pipe replacement. Minor deferred items observed: cracked driveway concrete at front, patchy front yard and landscaping, and no interior photos of bathrooms and bedrooms to confirm cosmetic condition there. No visible large cosmetic damage or holes; missing small items (smoke detectors not visible in photos) are assumed to be present. Overall moderate-to-low repair needs; primarily cosmetic and exterior site cleanup."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 71.3,
"rationale": "Brick facade appears intact and well maintained; roof looks in good visual condition. Driveway has notable cracking/settlement visible in photos and will likely need patching; front yard is thin/patchy and drainage mitigations (pump to drainage line) were installed per listing — indicates prior water management issues but owner addressed with underslab pipes and a pump. Large shade tree close to house may create root/drainage issues in future. No visible termite/infestation evidence or collapsed features. Overall exterior is serviceable but requires attention to driveway and yard/drainage maintenance."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 77.0,
"rationale": "No active life‑threatening hazards visible: ceilings and beams appear intact, no visible water stains or mold in photos, kitchen plumbing fixtures appear in good condition, electrical outlets and covers present. Central HVAC registers visible (suggests heating/cooling). Listing mentions new water heater and underslab pipe work. Items not verifiable from photos: presence/location/function of smoke detectors and CO alarms, GFCI operation in kitchen/bath, bedroom egress window sizing, electrical panel condition, and hot water operation. Because there are no visual red flags (exposed wiring, sagging structure, active leaks, severe mold), risk is moderate-low but contingent on verifying detectors, GFCI, and egress during inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 81.3,
"rationale": "Listing states new water heater and underslab pipe replacement (Dec 2024) — major positive for plumbing. HVAC registers visible suggesting a central system; no visible corrosion or rust on appliances. Kitchen shows built-in oven and dishwasher and refrigerator, indicating functioning kitchen systems likely present. Roof shingles appear uniform and in good visual condition from front photo. Limitations: no photo of electrical service/panel, water heater location and venting not shown, and no direct confirmation HVAC is operational. Given the documented plumbing upgrades and lack of visual system defects, overall systems risk is low-moderate."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are installed and operational though not visible in provided photos; if missing they would need immediate installation.",
"Central HVAC is present and operational (supply/return vents visible), but full operational check not performed.",
"Hot water is available and the new water heater is installed to code and vented properly as stated in listing.",
"Electrical service/panel is intact and without exposed wiring; outlets have covers and are functional (no visible electrical hazards).",
"Bedrooms contain compliant egress windows though not shown in photos.",
"Bathrooms are in good functional condition (no photos provided) and will not present major plumbing or mold issues.",
"Underslab pipe replacement (Dec 2024) and backyard pump installation resolved prior drainage/water intrusion issues as claimed."
],
"score_method": "mean_of_criteria",
"overall_score": 78.9,
"rubric_version": "nsPIRE-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8342846420"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.