Property ID: 8367513384
1152 Dogwood Ln, Birmingham, AL, 35215
Birmingham, AL
Money Down: $30,480
CoC Return: 6.80%
Monthly Cash Flow: $173
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,400
Closing Costs
$5,080
Total Down
$30,480
Investment Snapshot
Purchase Price
$127,000
Money Down
$30,480
Cash-on-Cash Return
6.80%
Rent
$1,215
Monthly Cash Flow
$173
Annual Cash Flow
$2,073
Debt Service / Mo
$676
Property Tax / Mo
$162
Insurance / Mo
$82
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,215
Payment Standard
$1,738
Rent
$1,215
Insurance
$82
Property Tax
$162
Management
$122
Utilities Allowance
$523
NOI (Monthly)
$849
Debt Service
$676
Cash Flow After Debt
$173
Quality Score: 74.90%
Confidence: 94.00%
Overall the property appears to be in good, mostly move-in condition from the exterior photos and listing. The home shows recent cosmetic updates and a new rear deck, a sound roofline, intact brick envelope, and an operational HVAC unit visible outside. Main inspection risks are unknown interior life-safety items (smoke/CO detectors, GFCI outlets, egress) and unseen mechanicals (water heater, electrical panel) which should be verified. Driveway cracking is the most visible immediate repair/trip-hazard. With a brief interior check and minor corrections (verify/install detectors, address driveway trip hazards, confirm HVAC/plumbing function), the property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,215
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$127,000
Beds
3
Baths
1
Living Area
1,371 sqft
Lot Size
—
Year Built
1956
Days on Market
154
Capital Outlay
$30,480
Debt Service
$676
Property Tax / Mo
$162
Insurance / Mo
$82
Property Description
3 bedroom in a great location! This home is updated throughout , new paint, and a bonus room! New deck and great back yard. Come see today!
Utility Allowances
Cooking
$21
Property has an 'Electric Cooktop'. The 'Elec: Ala Power' option was chosen as it is a major provider and the most expensive electric option on the schedule.
Heating
$93
Property has 'Central' heating. Fuel is assumed to be electric as other major appliances are electric. 'Elec Heat: Ala Power' was selected for consistency and as the most expensive option.
Cooling
$22
Property has 'Central Air'. 'A/C: Alabama Power' was selected for consistency and as the most expensive option.
Water Heating
$56
Property has an 'Electric Water Heater'. 'Elec: Ala Power' was selected for consistency and as the most expensive option.
Other Electric
$68
Covers general electricity for lights and outlets. 'Lights, Ref, Etc.: Ala Power' was selected for consistency and as the most expensive option.
Water
$78
Property has 'Public Water' and is located in Birmingham. The 'Water: Birmingham' schedule option was used.
Sewer
$151
Property is listed as 'Sewer Connected'. The fixed allowance from the schedule was used.
Trash Collection
$20
The property is located in Birmingham (Jefferson County). The 'Jefferson City' option was selected as the most appropriate general provider.
Refrigerator (Tenant-Owned)
$8
A refrigerator is not listed as a provided appliance and is assumed to be tenant-owned.
Microwave (Tenant-Owned)
$6
A microwave is not listed as a provided appliance and is assumed to be tenant-owned.
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$830
DP3 Annual Estimate$1,145
DP1 Monthly Equivalent$69
DP3 Monthly Equivalent$95
Replacement Value$110,600
Basis1,371 sqft / 1956
Nearby Houses
Photo unavailable
1160 Dogwood Ln
sold · 0.03 mi
Price: $128,000
3 bd / 1 ba · 1,088 sqft
Latest sale: $128,000 on Sep 27, 2023
Latest rent: —
Photo unavailable
1153 Dogwood Ln
off_market · 0.04 mi
Price: $1,295
3 bd / 2 ba · 1,815 sqft
Latest sale: $145,000 on Nov 13, 2025
Latest rent: $1,295 on Jan 07, 2026
Photo unavailable
1165 Five Mile Rd
sold · 0.05 mi
Price: $106,000
3 bd / 1 ba · 1,160 sqft
Latest sale: $106,000 on Apr 22, 2024
Latest rent: $1,100 on Jan 23, 2024
Photo unavailable
1169 Five Mile Rd Lot 33
sold · 0.07 mi
Price: $6,000
— bd / — ba
Latest sale: $6,000
Latest rent: —
Photo unavailable
1112 Violet Dr
sold · 0.07 mi
Price: $100,000
3 bd / 2 ba · 1,384 sqft
Latest sale: $100,000 on Nov 30, 2025
Latest rent: —
Photo unavailable
1124 Violet Dr
sold · 0.07 mi
Price: $97,900
3 bd / 2 ba · 1,161 sqft
Latest sale: $97,900 on Aug 24, 2018
Latest rent: —
Photo unavailable
1173 Dogwood Ln
sold · 0.08 mi
Price: $135,000
3 bd / 2 ba · 1,261 sqft
Latest sale: $135,000 on Aug 21, 2020
Latest rent: —
Photo unavailable
1164 Five Mile Rd
sold · 0.09 mi
Price: $86,000
3 bd / 2 ba · 1,510 sqft
Latest sale: $86,000 on Mar 28, 2017
Latest rent: —
Photo unavailable
1128 Dogwood Ln
sold · 0.09 mi
Price: $132,500
3 bd / 1 ba · 1,272 sqft
Latest sale: $132,500 on Jan 02, 2026
Latest rent: —
Photo unavailable
1129 Dogwood Ln
off_market · 0.09 mi
Price: $1,050
4 bd / 1 ba · 1,364 sqft
Latest sale: $40,000 on Mar 08, 2022
Latest rent: $1,365 on Jun 23, 2025
Photo unavailable
1168 Five Mile Rd
sold · 0.09 mi
Price: $125,000
4 bd / 3 ba · 1,428 sqft
Latest sale: $125,000 on Dec 22, 2020
Latest rent: $1,300 on Oct 23, 2024
Photo unavailable
1132 Five Mile Rd
sold · 0.10 mi
Price: $247,000
5 bd / 3 ba · 2,376 sqft
Latest sale: $247,000 on Aug 29, 2023
Latest rent: —
Photo unavailable
1129 Five Mile Rd
sold · 0.10 mi
Price: $68,900
3 bd / 1 ba · 1,313 sqft
Latest sale: $68,900 on Apr 15, 2019
Latest rent: —
Photo unavailable
1181 Dogwood Ln
sold · 0.10 mi
Price: $104,900
3 bd / 1 ba · 1,127 sqft
Latest sale: $104,900 on Nov 22, 2021
Latest rent: $895 on Jul 03, 2020
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior was updated as the listing states (new paint, refreshed finishes); no visible interior photos so assumed presentable.
- Appliances (stove, refrigerator) are present or will be provided; missing appliances were not evident in the exterior photos.
- HVAC system is present and operational because an exterior condenser unit is visible; condition not verified.
- Water heater and primary plumbing are functioning; no active leaks visible from exterior.
- Smoke and carbon monoxide detectors, GFCI protection, and proper bedroom egress exist or will be installed prior to rent — these items could not be confirmed from provided photos.
- Deck is newly constructed and structurally adequate as shown; ledger/attachment to house not visible and should be verified for secure flashing/attachment.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,893 | $130,600 | $26,120 |
| 2023 | $1,816 | $125,300 | $25,060 |
| 2022 | $1,673 | $115,400 | $23,080 |
| 2021 | $1,364 | $94,100 | $18,820 |
| 2020 | $1,364 | $94,100 | $18,820 |
| 2019 | $1,319 | $91,000 | $18,200 |
| 2018 | $1,249 | $86,200 | $17,240 |
| 2017 | $1,249 | $86,200 | $17,240 |
| 2016 | $1,249 | $86,200 | $17,240 |
| 2015 | $1,249 | $86,200 | $17,240 |
| 2013 | $1,242 | $88,300 | $17,660 |
| 2012 | $1,242 | $88,300 | $17,660 |
| 2011 | $1,260 | $89,600 | $17,920 |
| 2010 | $1,260 | $89,600 | $17,920 |
| 2009 | $1,260 | $89,600 | $17,920 |
| 2008 | $1,288 | $91,600 | $18,320 |
| 2007 | $1,239 | $88,100 | $17,620 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2012-12-04 | Sold | $42,000 |
| 2012-05-02 | Sold | $25,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2021-06-02 | Listed for rent | $790 | — |
| 2018-04-11 | Listed for rent | $750 | — |
Photo Gallery
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"Smoke and carbon monoxide detectors, GFCI protection, and proper bedroom egress exist or will be installed prior to rent — these items could not be confirmed from provided photos.",
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"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: front steps have a handrail, rear deck has guardrail and stairs, no collapsed ceilings or standing water. However critical safety items (smoke/CO detectors, GFCI outlets, presence of deadbolt on entry, interior egress window compliance) are not visible in photos and therefore assumed but unverified. Minor trip hazard from cracked driveway. No exposed wiring or obvious chimney/roof leaks seen."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 72.0,
"rationale": "Exterior HVAC condenser present indicating cooling system likely exists. Roof appears shingled and even with no visible sag or active leakage; gutters/downspouts are in place. Water heater, electrical panel and heating source not shown — assumed present but unverified. No visible foundation displacement or major plumbing discharge. Age (1956) suggests systems may be older but listing notes updates."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Large, fenced backyard with level lawn, new deck and storage sheds. Brick foundation and siding look intact, yard drains toward rear with no visible standing water. Driveway condition is fair but has multiple cracks and uneven areas that are a minor trip/appearance issue. Landscaping near the house should be trimmed to maintain window/egress and pest control."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statement 'updated throughout' reflects generally good interior cosmetic condition (paint, flooring) though interior photos were not provided.",
"Smoke and carbon monoxide detectors, GFCI outlets, water heater and electrical panel are present but were not visible in exterior-only photos — assumed but unverified.",
"HVAC system exists and outdoor condenser is functional (unit visible in photos) but no evidence of recent service; heating source assumed present.",
"Rear deck is newly built and meets guardrail height/stability requirements; spacing and fasteners not verified from photos.",
"Windows provide required bedroom egress based on visible size/number of windows, but compliance not confirmed without interior measurements.",
"Front entry door is assumed to have a functioning lock set; presence of a deadbolt is unknown."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and listing text, this single-family home appears generally well maintained and likely to pass an initial HCV/NSPIRE inspection after basic interior verifications and minor fixes. The new deck, painted brick exterior, intact roofline, presence of an AC condenser, and a large, clean yard are positives. Missing interior photos prevent confirmation of required smoke/CO detectors, GFCI protection, electrical panel condition, functioning hot water, and appliance presence. Expect minor pre-inspection items (install/verify detectors, GFCI checks, trim shrubs, repair driveway trip spots). Overall readiness: likely rent-ready within 30 days with standard verification and minor work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Exterior photos show a recently painted brick exterior, neat landscaping, and a newly built rear deck. There are no visible broken windows, missing exterior doors, or obvious rot on fascia. The concrete driveway has multiple cracks and spalls that are cosmetic but noticeable. Shrubs at the front partially obscure entry and windows and should be trimmed. No interior photos provided; listing states 'updated throughout' which supports a higher score but missing interior verification reduces it from near-perfect."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 72.0,
"rationale": "Exterior features that affect safety look intact: entry steps have a handrail, the new deck has guardrails, roofline and chimney show no visible sagging, gutters present, and yard appears free of standing water. No exposed wiring is visible at exterior. Bedrooms/egress windows cannot be confirmed from photos but multiple windows are present on each façade. No smoke or CO detectors or GFCI outlets are visible in photos (interior not shown) so assume need for verification/possible installation. Built in 1956 — potential lead-paint risk exists unless interior prep/paint was done; listing claims new paint. Overall there are no observed life-threatening hazards in photos, but several NSPIRE safety items require interior confirmation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "An outdoor AC condenser is present indicating central HVAC likely exists. Roof shingles appear intact in roof-line photos with no visible widespread areas of failure or active leaks. Gutters and downspouts are present. Foundation vents and visible foundation appear generally sound with no visible major cracks. Water heater, electrical panel, plumbing fixtures, and hot water availability cannot be verified from photos; these unknowns lower the score. No visible HVAC flue/gas appliance hazards observed from exterior."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 82.0,
"rationale": "Property has a large, usable back yard, a new rear deck, and a fenced rear boundary visible in images. The brick exterior is painted and appears well maintained. The driveway is functional but shows cracking and uneven surfaces which are cosmetic and a minor trip hazard. No evidence of active infestation, standing water, or significant landscape neglect. Sheds present in the back yard appear intact. Overall the site is well-kept and tenant-usable."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior was updated as claimed in the listing (new paint, general updates) and has no visible interior structural failure.",
"Central HVAC exists and is operational (supported by exterior condenser unit visible in photos).",
"Smoke and carbon monoxide detectors, GFCI outlets, water heater and electrical panel presence/function are unknown — assumed to require verification and likely minor corrective work if missing.",
"No active roof leaks or major foundation movement are occurring because exterior roofline and foundation appear visually intact in photos.",
"No evidence of severe mold, fire damage, or collapsed ceilings based on exterior photos; interior inspection required to confirm.",
"Listing year built (1956) indicates potential for lead-based paint; assume recent paint reduces flaking hazard but lead-risk testing may be required depending on local rules."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1152 Dogwood Ln, Birmingham, AL, 35215",
"aggregate": {
"summary": "Overall the property appears to be in good, mostly move-in condition from the exterior photos and listing. The home shows recent cosmetic updates and a new rear deck, a sound roofline, intact brick envelope, and an operational HVAC unit visible outside. Main inspection risks are unknown interior life-safety items (smoke/CO detectors, GFCI outlets, egress) and unseen mechanicals (water heater, electrical panel) which should be verified. Driveway cracking is the most visible immediate repair/trip-hazard. With a brief interior check and minor corrections (verify/install detectors, address driveway trip hazards, confirm HVAC/plumbing function), the property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.7,
"rationale": "Exterior photos show a recently painted brick exterior, trimmed landscaping, and a newly-built rear deck. Front entry steps and small planter areas show normal age wear but no obvious missing structure. Driveway has multiple cracks and uneven sections (cosmetic + trip hazard) but repairable. No interior photos provided; listing states 'updated throughout' and 'new paint' which supports a higher score. Missing/unknown appliances not visible in photos — listing implies updated interior so assumed present. Overall condition indicates only minor repairs and cosmetic work likely required."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 77.3,
"rationale": "Yard is large, mostly level, fenced at rear in photos, and free of standing water. New rear deck and steps appear structurally supported on brick piers; railing present. Brick exterior and chimney look intact. Driveway has significant cracking and uneven concrete that may be a trip hazard. Vegetation is reasonable but shrubs near foundation should be trimmed to avoid moisture/entry issues. Storage shed present in yard. Overall exterior/site is sound but requires small repairs and driveway remediation."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 72.3,
"rationale": "Exterior indicates secure entry (solid front door visible) with exterior light and handrail on front steps; rear deck has guardrail. No exposed wiring, collapsed ceilings, visible roof sagging, or standing water seen from photos. Driveway cracking is a trip hazard that could be cited. Interior life-safety items (smoke/CO detectors, GFCI in kitchen/bath, egress window functionality) are not visible in photos and therefore unknown; listing updates suggest these are likely provided but must be verified. No visible severe mold, foundation displacement, or active leaks noted."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 70.7,
"rationale": "Roof appears to be in serviceable condition from photos (no visible sagging or large missing areas). An exterior A/C condenser is present at the rear which suggests HVAC is installed; condition and age of HVAC, water heater, and interior plumbing/electrical cannot be confirmed from exterior photos. Gutters are present. Given the year built (1956) but listing text stating updates, assume systems have been maintained or recently serviced; however unseen components (electrical panel, hot water, plumbing leaks) create moderate inspection risk that should be checked prior to voucher inspection."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Interior was updated as the listing states (new paint, refreshed finishes); no visible interior photos so assumed presentable.",
"Appliances (stove, refrigerator) are present or will be provided; missing appliances were not evident in the exterior photos.",
"HVAC system is present and operational because an exterior condenser unit is visible; condition not verified.",
"Water heater and primary plumbing are functioning; no active leaks visible from exterior.",
"Smoke and carbon monoxide detectors, GFCI protection, and proper bedroom egress exist or will be installed prior to rent — these items could not be confirmed from provided photos.",
"Deck is newly constructed and structurally adequate as shown; ledger/attachment to house not visible and should be verified for secure flashing/attachment."
],
"score_method": "mean_of_criteria",
"overall_score": 74.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8367513384"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.