Property ID: 8363560598
111 Florence St, Bessemer, AL, 35023
Bessemer, AL
Money Down: $22,800
CoC Return: 26.17%
Monthly Cash Flow: $497
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,000
Closing Costs
$3,800
Total Down
$22,800
Investment Snapshot
Purchase Price
$95,000
Money Down
$22,800
Cash-on-Cash Return
26.17%
Rent
$1,199
Monthly Cash Flow
$497
Annual Cash Flow
$5,967
Debt Service / Mo
$506
Property Tax / Mo
$20
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,199
Payment Standard
$1,408
Rent
$1,199
Insurance
$56
Property Tax
$20
Management
$120
Utilities Allowance
$209
NOI (Monthly)
$1,003
Debt Service
$506
Cash Flow After Debt
$497
Quality Score: 70.00%
Confidence: 92.00%
Overall the property appears broadly suitable for Section 8/HCV tenancy with mostly cosmetic and minor repair items. The metal roof, intact siding, HVAC condenser and presence of fridge/microwave are positives. The most likely inspection failure points are missing/undocumented smoke and CO detectors, potential lack of GFCI protection in the kitchen, and the weathered front deck/steps/handrail. With targeted small-scope fixes (install/verify smoke & CO detectors, add/verify GFCI in kitchen, repair/secure deck steps/railings, address minor cabinet/trim work) the home should be able to pass an initial NSPIRE inspection within ~30 days.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$209
Guaranteed Section 8 Rent (PS - Utilities)
$1,199
Property Management
$120
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$95,000
Beds
2
Baths
1
Living Area
1,104 sqft
Lot Size
21,344 sqft
Year Built
1960
Days on Market
7
Capital Outlay
$22,800
Debt Service
$506
Property Tax / Mo
$20
Insurance / Mo
$56
Property Description
Nice two bed one bath home on a quiet street with a huge fenced in back yard. Wood kitchen cabinets and tile counter tops. Metal storage building conveniently place next to the side door for all of your storge needs. Nice private back deck right off of the dining room. Metal roof. Buyer's agent to verify all items of importance. This home is being sold "AS IS"
Utility Allowances
Heating
$55
Property has central heating. Given the electric water heater and Bessemer location, electric heating via the Bessemer provider is the most logical choice from the schedule.
Cooling
$12
Property has central air conditioning and is located in Bessemer. The allowance for electric A/C from the Bessemer provider is selected.
Cooking
$11
Cooking fuel is not specified. Based on other electric appliances (water heater, AC) and the property's location in Bessemer, electric cooking is assumed with the Bessemer provider.
Water Heating
$31
The property is confirmed to have an electric water heater ('Electric Water Heater', 'WTRHTR: Electric') and is located in Bessemer. The allowance for the Bessemer electric provider is selected.
Other Electric
$40
This covers general electricity for lights and outlets. The Bessemer electric provider is chosen based on the property's location.
Water
$60
Property information states 'Public Water' and is located in Bessemer. The allowance for the Bessemer water provider is selected.
Sewer
$0
The property has a 'Septic Tank' and is not connected to public sewer. Therefore, the allowance is $0.
Trash Collection
$0
Property is in the city of Bessemer. The utility schedule for 'Bessemer ISCL' (Inside City Limits) shows a $0 allowance for trash collection, which is used.
Refrigerator
$0
The property listing confirms a refrigerator is provided, so no allowance is given to the tenant for this utility.
Range/Microwave
$0
The property listing confirms a built-in microwave is provided and a range is visible in photos, so no allowance is given to the tenant for these appliances.
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$540
DP3 Annual Estimate$810
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$68
Replacement Value$60,000
Basis1,104 sqft / 1960
Nearby Houses
Photo unavailable
107 Florence St
sold · 0.02 mi
Price: $130,000
3 bd / 2 ba · 1,232 sqft
Latest sale: $130,000
Latest rent: —
Photo unavailable
112 Florence St
sold · 0.05 mi
Price: $75,000
2 bd / 1 ba · 840 sqft
Latest sale: $75,000
Latest rent: —
Photo unavailable
105 Patricia St
sold · 0.08 mi
Price: $170,000
4 bd / 1 ba · 1,470 sqft
Latest sale: $170,000
Latest rent: —
Photo unavailable
303 Florence St
sold · 0.17 mi
Price: $156,500
3 bd / 2 ba · 1,188 sqft
Latest sale: $156,500
Latest rent: —
Photo unavailable
212 Florence St
sold · 0.17 mi
Price: $225,000
3 bd / 2 ba · 1,518 sqft
Latest sale: $225,000
Latest rent: —
Photo unavailable
108 Bedford St
sold · 0.17 mi
Price: $118,500
3 bd / 2 ba · 1,350 sqft
Latest sale: $118,500 on Aug 25, 2020
Latest rent: —
Photo unavailable
106 Bedford St
sold · 0.18 mi
Price: $99,900
4 bd / 2 ba
Latest sale: $99,900
Latest rent: —
Photo unavailable
506 Cottondale Dr
sold · 0.18 mi
Price: $186,000
3 bd / 2 ba · 1,587 sqft
Latest sale: $186,000
Latest rent: —
Photo unavailable
104 Bedford St
sold · 0.18 mi
Price: $76,000
3 bd / 1 ba · 1,294 sqft
Latest sale: $76,000 on Dec 10, 2019
Latest rent: —
Photo unavailable
504 Cottondale Dr
sold · 0.19 mi
Price: $220,000
4 bd / 3 ba · 2,845 sqft
Latest sale: $220,000
Latest rent: —
Photo unavailable
130 Beaver Ave
sold · 0.19 mi
Price: $90,000
3 bd / 2 ba · 1,068 sqft
Latest sale: $90,000
Latest rent: —
Photo unavailable
307 Florence St
sold · 0.19 mi
Price: $11,900
— bd / — ba
Latest sale: $11,900 on Sep 18, 2020
Latest rent: —
Photo unavailable
514 Cottondale Dr
sold · 0.20 mi
Price: $205,500
3 bd / 2 ba · 1,642 sqft
Latest sale: $205,500
Latest rent: —
Photo unavailable
118 McKee St
sold · 0.21 mi
Price: $150,900
3 bd / 2 ba · 1,726 sqft
Latest sale: $150,900 on Jan 15, 2021
Latest rent: —
Photo unavailable
104 Pinecrest Rd
sold · 0.22 mi
Price: $89,500
3 bd / 1 ba · 1,215 sqft
Latest sale: $89,500
Latest rent: —
Photo unavailable
544 Cottondale Dr
sold · 0.23 mi
Price: $98,000
3 bd / 2 ba · 1,596 sqft
Latest sale: $98,000
Latest rent: —
Photo unavailable
101 Viola Ave
sold · 0.23 mi
Price: $86,000
3 bd / 1 ba · 1,748 sqft
Latest sale: $86,000
Latest rent: —
Photo unavailable
117 Beechwood Ave
sold · 0.27 mi
Price: $89,500
2 bd / 1 ba · 768 sqft
Latest sale: $89,500 on May 13, 2021
Latest rent: $975 on Feb 05, 2025
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in interior photos — likely NSPIRE fail if not present/operational.
- No identifiable GFCI protection visible in kitchen (potential electrical safety/code issue).
- Front deck and steps show weathering and may have loose or deteriorated members / insecure handrail — possible unsafe stairs hazard if not repaired.
Assumptions
- An operable central HVAC system exists (exterior condenser visible) and will be functional when tested.
- A water heater and functioning hot water are present though not shown in photos.
- Bedrooms have standard-size windows that likely meet egress size but measurements are not available.
- An electrical service/panel exists and is intact but was not photographed; no obvious exterior electrical hazards visible.
- A range/stove is either present but out of frame or can be installed; missing appliances alone would be a moderate repair issue, not a safety failure.
- No active leaks, significant mold, or major structural movement exist beyond what is visible in photos (no sagging, no collapsed ceilings observed).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $233 | $92,700 | $8,420 |
| 2023 | $279 | $92,700 | $9,280 |
| 2022 | $233 | $84,200 | $8,420 |
| 2021 | $189 | $76,000 | $7,600 |
| 2020 | $189 | $76,000 | $7,600 |
| 2019 | $189 | $76,000 | $7,600 |
| 2018 | $148 | $68,300 | $6,840 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-09 | Listed | $95,000 |
Photo Gallery
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"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Metal roof visible and looks intact from photos (positive). Exterior HVAC condenser unit is present at the side of the house indicating central cooling/heating likely exists. Kitchen sink and faucet appear intact; no visible signs of leaking. Electrical panel not pictured; visible outlets appear present but GFCI not evident in kitchen. Water heater not shown. Given visible HVAC equipment and intact roof/plumbing fixtures, major systems likely functional but not fully verifiable from photos — moderate confidence but some risk remains until systems are tested."
},
{
"key": "exterior_site",
"label": "Exterior & Site Conditions",
"score": 80.0,
"rationale": "Large, mostly level yard with chain-link fenced rear yard and a metal storage shed — positive for tenant use. Driveway, paved parking and brick paver area present. Vinyl siding and gutters look intact; skirting around the foundation present. Landscaping is low-maintenance but shrubs at the front are overgrown and the front deck needs cosmetic maintenance. No visible standing water, major foundation cracks, or signs of infestation in photos. Overall exterior/site is tidy and functional."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos — likely NSPIRE fail if not present/operational.",
"No identifiable GFCI protection visible in kitchen (potential electrical safety/code issue).",
"Front deck and steps show weathering and may have loose or deteriorated members / insecure handrail — possible unsafe stairs hazard if not repaired."
],
"confidence": 0.7,
"assumptions": [
"An operable central HVAC system exists (exterior condenser visible) and will be functional when tested.",
"A water heater and functioning hot water are present though not shown in photos.",
"Bedrooms have standard-size windows that likely meet egress size but measurements are not available.",
"An electrical service/panel exists and is intact but was not photographed; no obvious exterior electrical hazards visible.",
"A range/stove is either present but out of frame or can be installed; missing appliances alone would be a moderate repair issue, not a safety failure.",
"No active leaks, significant mold, or major structural movement exist beyond what is visible in photos (no sagging, no collapsed ceilings observed)."
],
"overall_score": 70.0,
"rubric_version": "NSPIRE-2026-1.0"
},
{
"summary": "This 2 bed / 1 bath single-family home appears structurally intact with a metal roof, functioning exterior HVAC unit, and serviceable interior surfaces. Most issues are cosmetic or minor capital repairs (kitchen cabinet refresh, deck/rail repairs, paint, landscaping). Primary inspection risks are missing/unseen life-safety items (smoke/CO detectors, GFCI protection), and unverified internal systems (water heater, electrical panel, furnace operation). If smoke/CO alarms are installed, GFCI outlets verified/added where required, and minor deck/finish repairs completed, the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks. Without verification of detectors and hot water/heat operation, expect additional repairs and documentation requirements from an inspector.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 75.0,
"rationale": "Interior and exterior photos show a mostly intact, clean property with normal cosmetic wear. Flooring (laminate) in living/dining looks serviceable; kitchen cabinets and counters are older but functional. Front deck and wooden steps show weathering and will need sanding/paint or minor replacement of boards and railings; landscaping/brush trimming required. Appliances: refrigerator and microwave are present; no stove/oven seen in photos (likely a simple replacement if missing). No obvious collapsed ceilings, large holes, or exposed subfloor. Overall condition suggests mostly cosmetic and small capital repairs rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not visible in photos and therefore represent inspection risk. No smoke detectors or CO alarms are visible in interior photos; if absent these are automatic fails and must be installed. Entry doors appear to have standard locks but deadbolt presence is not confirmed. No exposed high-voltage wiring visible from photos; electrical panel not shown. GFCI protection at kitchen sink not visible. Windows appear intact and of reasonable size but bedroom egress windows are not documented in photos. Handrails/guardrails exist on most access points but front deck railing and steps are weathered and may need fastening/repair to meet code. No signs of active water intrusion, collapsed ceilings, or major trip hazards visible. Because detectors and some code items are unverified, safety score is reduced to moderate risk."
},
{
"key": "systems_mechanical",
"label": "Mechanical & Major Systems",
"score": 65.0,
"rationale": "Exterior photo shows a central A/C condenser unit present, indicating forced-air HVAC likely available. Listing and photos indicate a metal roof in good visible condition (no missing panels seen). Plumbing fixtures in kitchen appear intact (double basin sink). Water heater, HVAC operation, electrical panel and hot water functionality are not pictured and thus unconfirmed. No evidence of obvious roof failure, foundation collapse, or major drainage issues from the photos. Moderate score reflects visible systems (roof, exterior AC unit) but lack of internal system verification (furnace, water heater, electrical panel, hot water)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "The lot is large, fenced (chain-link) and appears tidy. Siding looks intact, gutters present, and a metal roof is confirmed by listing and photos. Driveway and paved area appear level and useable; small storage shed is present. Some shrubs are overgrown and the front deck/porch wood is weathered but intact. No visible standing water, major foundation cracks, or evidence of infestation in provided photos. Proximity of large trees may require routine maintenance but not an immediate code failure."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm(s) in interior photos — NSPIRE requires functioning detectors.",
"GFCI protection at kitchen sink not evident in photos (risk for fail if not present).",
"Front deck/wood steps and railings are weathered and may require repair or reinforcement to meet guardrail/handrail requirements."
],
"confidence": 0.6,
"assumptions": [
"Metal roof is intact and watertight based on clear photos; no active roof leaks observed.",
"Central HVAC exists and condenser (outdoor unit) is operational or serviceable (seen in photos) — furnace/heat not photographed but assumed present.",
"Water heater and hot water are present but not photographed; functionality is unverified and assumed typical for occupied house of this era.",
"Bedrooms have normal-sized egress windows (not specifically shown), but this must be confirmed during inspection.",
"No visible electrical hazards in photos; however electrical panel location and condition are not shown and must be verified.",
"Smoke detectors and carbon monoxide alarms are not visible in supplied interior photos and are assumed absent until confirmed."
],
"overall_score": 68.0,
"rubric_version": "1.0"
},
{
"summary": "This 2-bed/1-bath single-family appears generally rent-ready with mostly cosmetic and capital repairs. The metal roof, intact siding, fenced yard, storage shed, and visible HVAC condenser are positives. Primary NSPIRE/code items to verify and remedy quickly are installation/verification of smoke and CO detectors, GFCI protection at the kitchen/bath areas, confirmation of hot water and plumbing, and electrical panel condition. No obvious structural or life-safety catastrophes are visible in photos; expect minor repairs and safety upgrades to pass an initial HCV/NSPIRE inspection within 2–6 weeks if verified and addressed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show generally sound cosmetic condition: intact windows, laminate flooring in good shape, solid-looking kitchen cabinets and counters (aged but serviceable), and existing refrigerator and microwave in photos. Front deck and small steps show weathering and will need sanding/paint/seal and minor carpentry (easy fixes). No visible collapsed ceilings, severe drywall damage, or exposed subfloor. Missing or un-photographed items (stove, laundry hookups) reduce score modestly but are repair/capital items rather than safety hazards. Overall repairs expected to be mostly cosmetic and small capital items."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No obvious life-threatening hazards in photos: no sagging rooflines, no collapsed ceilings, no standing water, no visible exposed high-voltage wiring. However, smoke and carbon monoxide detectors are not clearly visible in the photos (no obvious installed units), and GFCI protection at the kitchen sink is not evident. Bedroom egress looks likely from front windows but bedrooms were not photographed to confirm egress dimensions. Entry doors appear to have locks; front and side steps have railings but front railing height/integrity needs on-site check. Plumbing fixtures and hot water were not shown. These are code-critical items that require quick verification/repair but are not clearly catastrophic from photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Exterior shows an outdoor HVAC condenser unit (indicating central heat/AC) and a metal roof which appears intact in photos (positive for roof life). Electrical panel not shown; visible interior outlets have covers. Water heater, main plumbing risers, and electrical panel were not photographed so condition is unknown. Based on visible condenser and intact roof, major systems likely functional but require on-site verification (test HVAC, hot water, check electrical panel and GFCI). No visible signs of active leaks or drainage problems."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Large fenced yard, chain link fencing visible and intact, paved driveway and brick parking area, storage shed present. Vinyl siding appears intact and gutters/downspouts are present. No visible foundation displacement or major settlement from exterior photos. Large trees are close to the house (recommend crown/root inspection and routine maintenance). Overall exterior/site is in good usable condition with minor landscaping and deck maintenance recommended."
}
],
"red_flags": [
"No clearly visible smoke or carbon monoxide detectors in photos — NSPIRE requires properly located detectors.",
"GFCI protection near kitchen sink not evident in photos — required for safety and likely fail point if absent.",
"Bathroom(s), water heater and electrical panel not shown — hot water availability and electrical service condition are unknown and must be verified before approval."
],
"confidence": 0.65,
"assumptions": [
"Exterior metal roof is in good functional condition based on photos and listing text (no visible leaks), but age and underlayment condition unknown.",
"Central HVAC is present and likely functional (outdoor condenser visible) but system has not been tested; assume service may be required.",
"Refrigerator and microwave are shown in photos; stove/range is not visible — assume a stove may be present but must be verified; missing stove is a capital item, not an automatic fail.",
"No interior photos of bathroom(s), water heater, electrical panel, or bedrooms were provided; their condition is unknown and assumed serviceable until proven otherwise.",
"Smoke and carbon monoxide detectors are not clearly visible in provided photos — assume they are not installed or need replacement/relocation to meet code.",
"GFCI protection at kitchen sink and bathroom outlets is not evident in photos and should be verified/installed if missing.",
"Foundation/crawlspace appears typical for the era and no visible movement is observed in exterior photos; assume stable but recommend on-site inspection.",
"The property is sold 'AS IS' which increases likelihood of undisclosed defects; assume minor hidden items possible but nothing visible suggests major structural failure."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "111 Florence St, Bessemer, AL, 35023",
"aggregate": {
"summary": "Overall the property appears broadly suitable for Section 8/HCV tenancy with mostly cosmetic and minor repair items. The metal roof, intact siding, HVAC condenser and presence of fridge/microwave are positives. The most likely inspection failure points are missing/undocumented smoke and CO detectors, potential lack of GFCI protection in the kitchen, and the weathered front deck/steps/handrail. With targeted small-scope fixes (install/verify smoke & CO detectors, add/verify GFCI in kitchen, repair/secure deck steps/railings, address minor cabinet/trim work) the home should be able to pass an initial NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show generally intact finishes: laminate floors, intact trim and crown molding, painted walls and usable cabinetry. Kitchen cabinets are older with surface wear and some cosmetic damage; counters are tiled but edges show wear. Exterior siding and metal roof appear in good visual condition. Front deck and steps show weathering and need sanding/painting and possibly minor structural fastening/rot repair. Some baseboards/trim show scuffs. Appliances: refrigerator and over-the-range microwave are present in photos; a range/stove is not visible (assumed present or easily installed). Overall items are mostly cosmetic/finish work and small carpentry — moderate minor repairs only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Conditions",
"score": 80.0,
"rationale": "Large, mostly level yard with chain-link fenced rear yard and a metal storage shed — positive for tenant use. Driveway, paved parking and brick paver area present. Vinyl siding and gutters look intact; skirting around the foundation present. Landscaping is low-maintenance but shrubs at the front are overgrown and the front deck needs cosmetic maintenance. No visible standing water, major foundation cracks, or signs of infestation in photos. Overall exterior/site is tidy and functional."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Visible safety concerns that could cause an initial NSPIRE fail: no visible smoke detectors or carbon monoxide alarms in interior photos; kitchen does not show a clearly identifiable GFCI outlet; front porch railing exists but the deck and steps show wear and may have loose members or handrail issues that would be inspected for secure attachment; microwave power cord is hanging and needs proper installation. No visible active water intrusion, collapsed ceilings, or major structural sagging in photos. Bedroom egress windows appear to be standard double-hung but cannot be measured from photos. Because critical life-safety devices (smoke/CO) are not shown, this raises a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 66.7,
"rationale": "Metal roof visible and looks intact from photos (positive). Exterior HVAC condenser unit is present at the side of the house indicating central cooling/heating likely exists. Kitchen sink and faucet appear intact; no visible signs of leaking. Electrical panel not pictured; visible outlets appear present but GFCI not evident in kitchen. Water heater not shown. Given visible HVAC equipment and intact roof/plumbing fixtures, major systems likely functional but not fully verifiable from photos — moderate confidence but some risk remains until systems are tested."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos — likely NSPIRE fail if not present/operational.",
"No identifiable GFCI protection visible in kitchen (potential electrical safety/code issue).",
"Front deck and steps show weathering and may have loose or deteriorated members / insecure handrail — possible unsafe stairs hazard if not repaired."
],
"confidence": 0.92,
"assumptions": [
"An operable central HVAC system exists (exterior condenser visible) and will be functional when tested.",
"A water heater and functioning hot water are present though not shown in photos.",
"Bedrooms have standard-size windows that likely meet egress size but measurements are not available.",
"An electrical service/panel exists and is intact but was not photographed; no obvious exterior electrical hazards visible.",
"A range/stove is either present but out of frame or can be installed; missing appliances alone would be a moderate repair issue, not a safety failure.",
"No active leaks, significant mold, or major structural movement exist beyond what is visible in photos (no sagging, no collapsed ceilings observed)."
],
"score_method": "mean_of_criteria",
"overall_score": 70.0,
"rubric_version": "NSPIRE-2026-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8363560598"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.