Property ID: 8348469817
2316 3rd St NE, Center Point, AL, 35215
Center Point, AL
Money Down: $24,000
CoC Return: 22.18%
Monthly Cash Flow: $444
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,000
Closing Costs
$4,000
Total Down
$24,000
Investment Snapshot
Purchase Price
$100,000
Money Down
$24,000
Cash-on-Cash Return
22.18%
Rent
$1,297
Monthly Cash Flow
$444
Annual Cash Flow
$5,322
Debt Service / Mo
$532
Property Tax / Mo
$107
Insurance / Mo
$85
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,297
Payment Standard
$1,738
Rent
$1,297
Insurance
$85
Property Tax
$107
Management
$130
Utilities Allowance
$441
NOI (Monthly)
$976
Debt Service
$532
Cash Flow After Debt
$444
Quality Score: 65.30%
Confidence: 86.00%
This 3BR/2BA 1958 home appears mostly cosmetically updated inside and is likely rentable after minor repairs and verification of systems. The most likely inspection fails are missing smoke/CO detectors and a missing/insufficient front handrail; those are quick fixes. Roof age and lack of photographed major systems (HVAC unit, electrical panel, water heater, kitchen appliances) increase risk but do not show active failure. With installation of required smoke/CO detectors, verification of HVAC operation, addressing any GFCI needs and minor exterior cleanup/handrail installation, the property should pass a Housing Choice Voucher (NSPIRE) initial inspection within 30 days.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$441
Guaranteed Section 8 Rent (PS - Utilities)
$1,297
Property Management
$130
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$100,000
Beds
3
Baths
2
Living Area
1,445 sqft
Lot Size
15,246 sqft
Year Built
1958
Days on Market
65
Capital Outlay
$24,000
Debt Service
$532
Property Tax / Mo
$107
Insurance / Mo
$85
Property Description
Nice single-family residence offering 1,445 sq ft with 3 bedrooms and 2 full baths on a spacious 0.35-acre lot. Built in 1958, this home features a comfortable layout, forced air heating, central cooling, and a carport. Convenient location near shopping and local amenities. Perfect opportunity for homeowners or investors. Estimated rent income opportunity. Buyer to verify all information.
Utility Allowances
Heating
$38
Property has gas water heater, indicating gas service. 'Forced Air' heating is assumed to be gas. Selected 'N'Gas: Spire' as it is the most common provider in the Jefferson County area.
Cooling
$22
Property has 'Central (COOL)' which is electric. Selected 'Alabama Power' as it is the primary electric provider for the area.
Water Heating
$35
Property info explicitly states 'Water Heaters: Gas (WTRHTR)'. Selected 'N'Gas: Spire' to align with other gas utilities.
Cooking
$15
Property has gas service. Assumed gas cooking for consistency. Selected 'N'Gas: Spire' to align with the heating fuel source.
Other Electric
$68
Required for all residences to cover lights, outlets, and an electric dryer hookup. Selected 'Ala Power' to align with the cooling provider.
Water
$78
Property info states 'Public Water'. Center Point is served by the Birmingham Water Works Board, so 'Water: Birmingham' was selected from the schedule.
Sewer
$151
Property info states 'Sewer: Connected'. The single fixed rate from the schedule is applied.
Trash Collection
$20
Trash collection is standard for a single-family home. As Center Point is not explicitly listed, the generic 'Jefferson City' option was selected.
Refrigerator
$8
The property does not explicitly state a refrigerator is included, so it is assumed to be tenant-provided per the rules.
Range/Microwave
$6
The property does not explicitly state a microwave is included, so it is assumed to be tenant-provided 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$857
DP3 Annual Estimate$1,177
DP1 Monthly Equivalent$71
DP3 Monthly Equivalent$98
Replacement Value$117,200
Basis1,445 sqft / 1958
Nearby Houses
Photo unavailable
2325 3rd St NE
sold · 0.06 mi
Price: $82,000
2 bd / 1 ba · 1,100 sqft
Latest sale: $82,000
Latest rent: —
Photo unavailable
2316 3rd Way NE
sold · 0.07 mi
Price: $182,000
3 bd / 2 ba · 1,665 sqft
Latest sale: $182,000
Latest rent: —
Photo unavailable
2329 3rd St NE
sold · 0.07 mi
Price: $129,900
4 bd / 2 ba · 1,916 sqft
Latest sale: $129,900
Latest rent: —
Photo unavailable
2312 2nd Pl NE
sold · 0.08 mi
Price: $70,000
3 bd / 1 ba
Latest sale: $70,000
Latest rent: —
Photo unavailable
300 23rd Ave NE
sold · 0.08 mi
Price: $185,000
3 bd / 1 ba · 1,420 sqft
Latest sale: $185,000
Latest rent: —
Photo unavailable
2333 3rd St NE
sold · 0.09 mi
Price: $140,000
3 bd / 1 ba · 1,234 sqft
Latest sale: $140,000 on Mar 17, 2022
Latest rent: $885 on Jul 03, 2019
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms (likely NSPIRE fail until installed).
- Front steps appear to lack a continuous handrail (potential code/safety fail).
- Roof shows visible wear and staining around chimney — roof may be nearing end of life and should be evaluated.
- Vegetation/large shrubs close to foundation which can contribute to moisture/termites.
- Major systems (electrical panel, water heater, HVAC unit, kitchen appliances) not photographed — unverified and require onsite confirmation.
Assumptions
- No smoke detectors or CO alarms are installed because none are visible in interior photos; assume they are absent or not visible in required locations.
- Forced air HVAC is present and operable (listed and floor vents visible) though the unit itself was not photographed.
- Electrical panel and water heater exist and are functional but were not photographed; assume no major visible hazards.
- Kitchen and major appliances are not shown in listing photos; assume appliances may be missing or unverified and would need verification/installation.
- Windows in bedrooms provide adequate egress based on standard double‑hung/window sizes visible in photos.
- Front entry steps do not have a continuous handrail based on exterior photo; that will likely need addressing if riser count triggers code requirement.
- No active roof leaks or structural sagging since ceilings look intact in interior photos, though roof shows cosmetic aging.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,244 | $133,200 | $24,160 |
| 2023 | $1,244 | $112,900 | $22,580 |
| 2022 | $646 | $117,400 | $11,740 |
| 2021 | $468 | $84,900 | $8,500 |
| 2020 | $473 | $85,900 | $8,600 |
| 2019 | $473 | $85,900 | $8,600 |
| 2018 | $405 | $73,500 | $7,360 |
| 2013 | $314 | $72,400 | $7,240 |
| 2012 | $314 | $72,400 | $7,240 |
| 2011 | $388 | $87,100 | $8,710 |
| 2010 | $438 | $97,100 | $9,710 |
| 2009 | $438 | $97,100 | $9,710 |
| 2008 | $447 | $99,000 | $9,900 |
| 2007 | $468 | $103,100 | $10,310 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-02 | Price Changed | $100,000 |
| 2025-12-13 | Listed | $103,400 |
| 2020-04-15 | Listing removed | $0 |
| 2020-03-27 | Price Changed for rent | $895 |
| 2019-12-13 | Listed for rent | $995 |
| 2019-11-10 | Listing removed | $0 |
| 2019-08-16 | Price Changed for rent | $995 |
| 2019-07-19 | Listed for rent | $1,050 |
| 1999-05-03 | Sold | $68,500 |
| 1991-06-05 | Sold | $57,000 |
Photo Gallery
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"last_status_change_date": "2020-04-15T05:39:34Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "5033559",
"price_change_percentage": null
},
{
"date": "1999-05-03",
"price": 68500,
"listing": null,
"event_name": "Sold",
"price_sqft": 47.40484429065744,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1991-06-05",
"price": 57000,
"listing": null,
"event_name": "Sold",
"price_sqft": 39.44636678200692,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8348469817",
"generated_at": "2026-02-16T03:01:39.050862Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.3
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/05ad6fcd7fc7b6dc476edb5f81810a93l-m1902816116s-w1280.jpg",
"rent_price": 1297.0,
"loan_amount": 80000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2316-3rd-St-NE_Center-Point_AL_35215_M83484-69817",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 100000.0,
"loan_term_years": 30,
"annual_cash_flow": 11709.28,
"mortgage_monthly": 532.24,
"payment_standard": 1738.0,
"total_amount_out": 20000.0,
"additional_photos": [
"https://ap.rdcpix.com/05ad6fcd7fc7b6dc476edb5f81810a93l-m3528123575s-w1280.jpg",
"https://ap.rdcpix.com/05ad6fcd7fc7b6dc476edb5f81810a93l-m3091126588s-w1280.jpg",
"https://ap.rdcpix.com/05ad6fcd7fc7b6dc476edb5f81810a93l-m2383154767s-w1280.jpg",
"https://ap.rdcpix.com/05ad6fcd7fc7b6dc476edb5f81810a93l-m623642218s-w1280.jpg",
"https://ap.rdcpix.com/05ad6fcd7fc7b6dc476edb5f81810a93l-m950824005s-w1280.jpg",
"https://ap.rdcpix.com/05ad6fcd7fc7b6dc476edb5f81810a93l-m2508122565s-w1280.jpg",
"https://ap.rdcpix.com/05ad6fcd7fc7b6dc476edb5f81810a93l-m1120179097s-w1280.jpg",
"https://ap.rdcpix.com/05ad6fcd7fc7b6dc476edb5f81810a93l-m589997545s-w1280.jpg",
"https://ap.rdcpix.com/05ad6fcd7fc7b6dc476edb5f81810a93l-m3764776099s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 84.75,
"monthly_cash_flow": 975.77,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has gas water heater, indicating gas service. 'Forced Air' heating is assumed to be gas. Selected 'N'Gas: Spire' as it is the most common provider in the Jefferson County area.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property has 'Central (COOL)' which is electric. Selected 'Alabama Power' as it is the primary electric provider for the area.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property info explicitly states 'Water Heaters: Gas (WTRHTR)'. Selected 'N'Gas: Spire' to align with other gas utilities.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "Property has gas service. Assumed gas cooking for consistency. Selected 'N'Gas: Spire' to align with the heating fuel source.",
"utility": "Cooking",
"allowance": 15
},
{
"note": "Required for all residences to cover lights, outlets, and an electric dryer hookup. Selected 'Ala Power' to align with the cooling provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property info states 'Public Water'. Center Point is served by the Birmingham Water Works Board, so 'Water: Birmingham' was selected from the schedule.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property info states 'Sewer: Connected'. The single fixed rate from the schedule is applied.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash collection is standard for a single-family home. As Center Point is not explicitly listed, the generic 'Jefferson City' option was selected.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property does not explicitly state a refrigerator is included, so it is assumed to be tenant-provided per the rules.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property does not explicitly state a microwave is included, so it is assumed to be tenant-provided per the rules.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.59,
"down_payment_amount": 20000.0,
"property_tax_annual": 1281.32,
"property_tax_monthly": 106.78,
"property_tax_increase": 0.03,
"utility_allowance_total": 441.0,
"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": 5322.38,
"property_management_monthly": 129.7,
"monthly_cash_flow_after_debt": 443.53,
"cash_on_cash_return_after_debt": 0.27
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/2BA 1958 home appears mostly cosmetically updated inside and is likely rentable after minor repairs and verification of systems. The most likely inspection fails are missing smoke/CO detectors and a missing/insufficient front handrail; those are quick fixes. Roof age and lack of photographed major systems (HVAC unit, electrical panel, water heater, kitchen appliances) increase risk but do not show active failure. With installation of required smoke/CO detectors, verification of HVAC operation, addressing any GFCI needs and minor exterior cleanup/handrail installation, the property should pass a Housing Choice Voucher (NSPIRE) initial inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently cleaned/painted and carpeted; bathrooms look updated (new vanity, wrapped fixtures, tub surround). No obvious large interior cosmetic defects in photos. Exterior paint/siding shows age and landscaping is overgrown. No kitchen photos or appliances shown — missing appliances would be an easy fix but reduce turnkey readiness moderately. Overall mostly cosmetic work and minor repairs expected."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide detectors visible in any interior photos (NSPIRE requires detectors in sleeping areas and on each level) — likely a fail until installed. Front yard steps appear to lack a continuous handrail from street to entry which may be a code/safety issue depending on riser count. No exposed wiring or collapsed ceilings observed. GFCI presence in bathrooms/kitchen cannot be confirmed from photos. Several fixable safety items but missing detectors/possible handrail create an immediate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Listing states forced air heating and central cooling; floor vents visible which supports operable forced‑air but HVAC unit not photographed. Toilets/sinks/tubs appear recently replaced or wrapped and plumbing fixtures look serviceable. Roof shows age and staining around chimney and some dark areas on shingles — no visible active leaks or sagging but roof may be near end of useful life. Electrical panel and water heater not shown. Moderate risk due to limited visibility of major systems; likely functional but would require simple verification/maintenance."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Single‑family with intact siding and foundation visible; carport present. Yard is overgrown in areas and bushes close to foundation which can contribute to moisture/termite risk. Front steps have no obvious handrail. No standing water or obvious foundation cracking seen in photos. Roof and chimney show wear but no collapse. Overall an exterior needing landscaping, minor repairs and likely roof monitoring/maintenance."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms (likely NSPIRE fail until installed).",
"Front steps appear to lack a continuous handrail (potential code/safety fail).",
"Roof shows visible wear and staining around chimney — roof may be nearing end of life and should be evaluated.",
"Vegetation/large shrubs close to foundation which can contribute to moisture/termites.",
"Major systems (electrical panel, water heater, HVAC unit, kitchen appliances) not photographed — unverified and require onsite confirmation."
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or CO alarms are installed because none are visible in interior photos; assume they are absent or not visible in required locations.",
"Forced air HVAC is present and operable (listed and floor vents visible) though the unit itself was not photographed.",
"Electrical panel and water heater exist and are functional but were not photographed; assume no major visible hazards.",
"Kitchen and major appliances are not shown in listing photos; assume appliances may be missing or unverified and would need verification/installation.",
"Windows in bedrooms provide adequate egress based on standard double‑hung/window sizes visible in photos.",
"Front entry steps do not have a continuous handrail based on exterior photo; that will likely need addressing if riser count triggers code requirement.",
"No active roof leaks or structural sagging since ceilings look intact in interior photos, though roof shows cosmetic aging."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This is a mostly sound mid-century single-family home with interior cosmetic updates and functional-looking bathrooms and HVAC indicators. Key items that could cause an NSPIRE fail are missing/unclear smoke/CO detectors, a lack of handrail at the front steps, and an aging roof that likely needs attention. With installation of proper detectors, adding a handrail, verification/repair of GFCI outlets and a roof/HVAC service check, the property appears likely to pass an initial HCV inspection within ~30 days. Expect minor-to-moderate exterior and systems verification work; no visible catastrophic structural failures in photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior shows recent cosmetic updates (newer carpet, painted walls, new vanities/toilets wrapped) and overall livable condition; visible minor deferred maintenance (peeling paint on siding, overgrown shrubs, small exterior wood step damage). Kitchen not shown and no appliances visible — missing appliances reduce score moderately. No evidence of major interior structural damage."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms visible in photos (likely required) and front entry steps appear to lack a handrail — potential NSPIRE failure depending on riser count. Bathrooms appear functional; no obvious exposed wiring or collapsed ceilings seen. GFCI locations and electrical panel are not shown. Bedroom windows appear adequate for egress. Overall moderate safety risk until detectors, handrail and GFCI checks are confirmed/installed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Listing states forced-air heat and central cooling and interior photos show floor vents and a thermostat, indicating presence of HVAC, but functionality not verified. Bathrooms fixtures appear newly replaced and plumbing appears intact. Roof shows aged shingles and staining around chimney; visible roof wear increases risk of near-term repairs. Electrical panel and water heater not photographed; their condition is unknown."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 60.0,
"rationale": "Exterior shows an older roof with worn shingles and chimney staining, faded siding, overgrown landscaping and no visible gutters in photos. Front steps to raised porch appear without a handrail. Yard slopes toward the street; no visible standing water or major foundation cracks. Carport present. Overall maintenance is fair but needs exterior cleanup and roof assessment."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm in photos (required)",
"Front entry steps appear to lack a handrail (potential NSPIRE failure)",
"Aging roof with visible wear and chimney staining — possible near-term roof repair or leak risk",
"GFCI protection and electrical panel not shown/verified"
],
"confidence": 0.6,
"assumptions": [
"Listing statement 'forced air heating, central cooling' is accurate and HVAC is present but functionality not confirmed.",
"No kitchen photos were provided — assume stove/refrigerator are not present or not shown; missing appliances reduce readiness but are not treated as critical safety failures.",
"Smoke and CO detectors are not present or not visible in photos and therefore assumed absent until confirmed.",
"Electrical panel, water heater and GFCI protection locations were not photographed and their condition is unknown.",
"No obvious active roof leaks or interior water stains are visible in main photos, but roof shows signs of age and possible past staining at chimney area.",
"Front entry has multiple steps (visible) and lacks a handrail — assume this requires installation to meet code/inspector expectations."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 1958 single-family appears cosmetically updated inside and likely rent-ready with a small list of targeted repairs. Primary risks are an aged roof (near end-of-life signs), possible past moisture (uneven ceiling tiles), and life-safety items likely missing or unverified for NSPIRE inspection (smoke detectors, GFCI outlets, handrails). Mechanical systems (forced air) appear present but need verification/service records. With 1–3 weeks of focused work (install/verify smoke & CO alarms, confirm/repair roof leaks if any, install GFCI where required, add/repair handrails, and confirm HVAC/water heater and electrical panel) the property is likely to pass an initial Housing Choice Voucher inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 75.0,
"rationale": "Interior appears recently painted and carpeted; bathrooms show repaired/updated fixtures and new toilet/vanity. Minor cosmetic items visible (trim scuffs, protective plastic on tubs, some clutter). No major interior demolition or collapsed elements visible. Missing kitchen photos = unknown stove/fridge; absence of pictured appliances reduces score slightly but is not catastrophic."
},
{
"key": "safety_code",
"label": "Life-safety & code compliance",
"score": 65.0,
"rationale": "No obvious exposed wiring, no visible plumbing failures, floor registers and a thermostat indicate a forced-air system present. However no clearly visible smoke detectors on the photographed ceilings/hallway (one small device on a wall may not be a detector), and front entry handrail/guardrail presence is unclear from photos. Bedroom windows appear large enough for egress. GFCI protection in bathrooms/kitchen not verifiable from photos. A few non-compliant items (smoke detectors/GFCI/handrail) are likely required before inspection."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, plumbing & electrical systems",
"score": 65.0,
"rationale": "Listing and interior vents/thermostat support presence of central HVAC; plumbing fixtures and water closets appear operational and recently replaced. Roof shows aged shingles and staining at chimney area; no active interior leaks clearly visible in living spaces, but ceiling tiles in one room show slight unevenness (possible prior moisture). Electrical panel not photographed; outlets visible but GFCI unknown. Recommend service check for HVAC, roof inspection, and confirm water heater/electrical panel condition."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.0,
"rationale": "Exterior siding and brick foundation visually intact; carport present. Yard is overgrown and shrubs are close to the house which can conceal problems and impede drainage. Roof edges and gutters appear worn; rear sliding door access has small steps that may need a proper landing/handrail. No obvious large foundation settlement or standing water visible in photos."
}
],
"red_flags": [
"Aged roof with staining around chimney — potential for near-term failure or leaks",
"Ceiling tiles / ceiling surface unevenness in one room — possible prior water intrusion",
"No clearly visible smoke detectors / CO alarms in hallway or bedrooms in photographs",
"Front/rear entry steps and small exterior steps may lack proper handrails/guardrails"
],
"confidence": 0.75,
"assumptions": [
"Forced-air heating and central cooling are present and functional (supported by listing and visible thermostat/registers) but have not been tested.",
"Kitchen appliances (stove/fridge) are not shown; assume they may be missing or not photographed—missing appliances reduce readiness moderately but are not an immediate fail.",
"No electrical panel, water heater, or utility service photos were provided; assume normal utility connections exist but recommend verification.",
"Smoke detectors and CO alarms are not visible in provided photos; assume they are absent or not code-located and will need verification/installation.",
"No clear active roof leak is shown inside living spaces, but roof condition and chimney staining indicate the roof may be near the end of its service life and should be professionally inspected."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2316 3rd St NE, Center Point, AL, 35215",
"aggregate": {
"summary": "This 3BR/2BA 1958 home appears mostly cosmetically updated inside and is likely rentable after minor repairs and verification of systems. The most likely inspection fails are missing smoke/CO detectors and a missing/insufficient front handrail; those are quick fixes. Roof age and lack of photographed major systems (HVAC unit, electrical panel, water heater, kitchen appliances) increase risk but do not show active failure. With installation of required smoke/CO detectors, verification of HVAC operation, addressing any GFCI needs and minor exterior cleanup/handrail installation, the property should pass a Housing Choice Voucher (NSPIRE) initial inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Interior appears recently cleaned/painted and carpeted; bathrooms look updated (new vanity, wrapped fixtures, tub surround). No obvious large interior cosmetic defects in photos. Exterior paint/siding shows age and landscaping is overgrown. No kitchen photos or appliances shown — missing appliances would be an easy fix but reduce turnkey readiness moderately. Overall mostly cosmetic work and minor repairs expected."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Single‑family with intact siding and foundation visible; carport present. Yard is overgrown in areas and bushes close to foundation which can contribute to moisture/termite risk. Front steps have no obvious handrail. No standing water or obvious foundation cracking seen in photos. Roof and chimney show wear but no collapse. Overall an exterior needing landscaping, minor repairs and likely roof monitoring/maintenance."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 58.3,
"rationale": "No smoke detectors or carbon monoxide detectors visible in any interior photos (NSPIRE requires detectors in sleeping areas and on each level) — likely a fail until installed. Front yard steps appear to lack a continuous handrail from street to entry which may be a code/safety issue depending on riser count. No exposed wiring or collapsed ceilings observed. GFCI presence in bathrooms/kitchen cannot be confirmed from photos. Several fixable safety items but missing detectors/possible handrail create an immediate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 61.7,
"rationale": "Listing states forced air heating and central cooling; floor vents visible which supports operable forced‑air but HVAC unit not photographed. Toilets/sinks/tubs appear recently replaced or wrapped and plumbing fixtures look serviceable. Roof shows age and staining around chimney and some dark areas on shingles — no visible active leaks or sagging but roof may be near end of useful life. Electrical panel and water heater not shown. Moderate risk due to limited visibility of major systems; likely functional but would require simple verification/maintenance."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms (likely NSPIRE fail until installed).",
"Front steps appear to lack a continuous handrail (potential code/safety fail).",
"Roof shows visible wear and staining around chimney — roof may be nearing end of life and should be evaluated.",
"Vegetation/large shrubs close to foundation which can contribute to moisture/termites.",
"Major systems (electrical panel, water heater, HVAC unit, kitchen appliances) not photographed — unverified and require onsite confirmation."
],
"confidence": 0.86,
"assumptions": [
"No smoke detectors or CO alarms are installed because none are visible in interior photos; assume they are absent or not visible in required locations.",
"Forced air HVAC is present and operable (listed and floor vents visible) though the unit itself was not photographed.",
"Electrical panel and water heater exist and are functional but were not photographed; assume no major visible hazards.",
"Kitchen and major appliances are not shown in listing photos; assume appliances may be missing or unverified and would need verification/installation.",
"Windows in bedrooms provide adequate egress based on standard double‑hung/window sizes visible in photos.",
"Front entry steps do not have a continuous handrail based on exterior photo; that will likely need addressing if riser count triggers code requirement.",
"No active roof leaks or structural sagging since ceilings look intact in interior photos, though roof shows cosmetic aging."
],
"score_method": "mean_of_criteria",
"overall_score": 65.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8348469817"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.