Property ID: 8370030351
1525 Matt Leonard Dr SW, Birmingham, AL, 35211
Birmingham, AL
Money Down: $28,560
CoC Return: 8.52%
Monthly Cash Flow: $203
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,800
Closing Costs
$4,760
Total Down
$28,560
Investment Snapshot
Purchase Price
$119,000
Money Down
$28,560
Cash-on-Cash Return
8.52%
Rent
$1,151
Monthly Cash Flow
$203
Annual Cash Flow
$2,432
Debt Service / Mo
$633
Property Tax / Mo
$128
Insurance / Mo
$72
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,151
Payment Standard
$1,584
Rent
$1,151
Insurance
$72
Property Tax
$128
Management
$115
Utilities Allowance
$433
NOI (Monthly)
$836
Debt Service
$633
Cash Flow After Debt
$203
Quality Score: 72.60%
Confidence: 93.00%
Overall the property appears largely rent-ready with cosmetic updates and working major components visible (flooring, paint, appliances, HVAC vents). Primary inspection risks are unverified safety items that commonly fail NSPIRE checks: confirmed smoke/CO detector placement/operation, GFCI protection in kitchen/bath, and measured bedroom egress clearances. No visible structural sagging, major roof failure, collapsed ceilings, or active leaks were observed. With a brief pre-inspection (install/verify detectors, confirm GFCI outlets, trim landscaping, address small trim/attic panel repairs) this home is likely to pass an initial HCV/NSPIRE inspection within 1-4 weeks.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$433
Guaranteed Section 8 Rent (PS - Utilities)
$1,151
Property Management
$115
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,000
Beds
3
Baths
1
Living Area
1,142 sqft
Lot Size
7,841 sqft
Year Built
1963
Days on Market
33
Capital Outlay
$28,560
Debt Service
$633
Property Tax / Mo
$128
Insurance / Mo
$72
Property Description
Charming 3-bed, 1-bath home with strong appeal for investors or buyers looking to add value. Solid layout in the Mason City area with easy access to local amenities and major routes. Proof of funds or pre-approval required with all offers. Great opportunity to explore the potential in this community.
Utility Allowances
Heating
$38
The property has natural gas heating. 'N'Gas: Spire' was selected as the most likely provider for this location.
Cooking
$15
The property has a gas cooktop. 'N'Gas: Spire' was selected, consistent with the heating fuel type.
Water Heating
$35
The property has a gas water heater. 'N'Gas: Spire' was selected, consistent with other gas appliances.
Cooling
$22
The property has electric window units for cooling. 'A/C: Alabama Power' was selected as the primary electric provider in Birmingham.
Other Electric
$68
This covers general electricity for lights and outlets. 'Lights, Ref, Etc.: Ala Power' was selected as the primary provider. The landlord-supplied refrigerator cost is included in this line item per the schedule's naming convention.
Water
$78
The property has public water. 'Water: Birmingham' was selected based on the property's city.
Sewer
$151
The property is connected to a public sewer. The allowance is based on the fixed rate from the schedule for a 3-bedroom unit.
Trash Collection
$20
Trash collection is a standard tenant utility. 'Jefferson City (Once per week)' was selected as the most applicable generic option for a property in Birmingham within Jefferson County.
Range/Microwave
$6
A microwave was not mentioned as a provided appliance. The schedule includes an allowance for a tenant-owned microwave, which has been applied.
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$708
DP3 Annual Estimate$1,011
DP1 Monthly Equivalent$59
DP3 Monthly Equivalent$84
Replacement Value$86,200
Basis1,142 sqft / 1963
Nearby Houses
Photo unavailable
1520 Matt Leonard Dr SW
sold · 0.04 mi
Price: $103,000
3 bd / 2 ba · 1,598 sqft
Latest sale: $103,000 on May 22, 2023
Latest rent: $1,575 on Jun 22, 2022
Photo unavailable
1525 Maple Ave SW
sold · 0.06 mi
Price: $60,000
3 bd / 2 ba · 2,497 sqft
Latest sale: $60,000 on Jan 23, 2020
Latest rent: —
Photo unavailable
1533 Maple Ave SW
sold · 0.08 mi
Price: $58,500
3 bd / 1 ba · 1,011 sqft
Latest sale: $58,500 on Sep 21, 2020
Latest rent: —
Photo unavailable
1601 Maple Ave SW
sold · 0.08 mi
Price: $83,000
4 bd / 3 ba · 1,567 sqft
Latest sale: $83,000 on Feb 12, 2018
Latest rent: —
Photo unavailable
1501 Maple Ave SW
sold · 0.08 mi
Price: $117,500
3 bd / 3 ba · 1,748 sqft
Latest sale: $117,500 on Dec 15, 2020
Latest rent: —
Photo unavailable
1521 Spaulding Ishkooda Rd
sold · 0.09 mi
Price: $65,000
4 bd / 2 ba · 2,005 sqft
Latest sale: $65,000 on Jan 12, 2022
Latest rent: —
Photo unavailable
1513 Spaulding Ishkooda Rd
sold · 0.10 mi
Price: $179,900
3 bd / 3 ba · 4,049 sqft
Latest sale: $179,900 on May 20, 2022
Latest rent: —
Photo unavailable
2201 15th St SW
sold · 0.11 mi
Price: $80,000
3 bd / 2 ba · 1,148 sqft
Latest sale: $80,000 on Feb 01, 2019
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC is present and operational (thermostat and floor registers observed); no visual sign of missing heating but no service records provided.
- Water heater and main electrical panel are functional but were not photographed; absence of visible water stains or interior damage suggests no active leaks.
- Smoke detectors and/or CO alarms may be present (a small ceiling/wall device is visible) but their number, placement, and functionality have not been confirmed; inspector will need to verify.
- Bedroom windows are assumed operable and large enough to meet egress but exact clear opening dimensions are not available from photos.
- Kitchen and bathroom outlets may lack visible GFCI protection; assume GFCI not verified and may need to be installed if absent.
- Rental history in the snapshot is accurate (3 rental events in last 5 years) and is used as a positive bonus factor.
- Ramp and porch railing are assumed to be structurally sound based on appearance; no close-up inspection of fasteners or rot was available.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,494 | $103,100 | $20,620 |
| 2023 | $1,494 | $103,100 | $20,620 |
| 2022 | $1,146 | $79,100 | $15,820 |
| 2021 | $1,146 | $79,100 | $15,820 |
| 2020 | $1,146 | $79,100 | $15,820 |
| 2019 | $1,146 | $79,100 | $15,820 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-01-10 | Sold | $54,400 |
| 2018-12-10 | Sold | $23,000 |
| 2018-06-18 | Sold | $23,000 |
| 2018-03-28 | Sold | $32,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-12-11 | Listed for rent | $1,050 | — |
| 2025-07-01 | Listed for rent | $1,150 | — |
| 2022-04-01 | Listed for rent | $875 | — |
| 2018-07-19 | Listed for rent | $825 | — |
Photo Gallery
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{
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},
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{
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},
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{
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{
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{
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},
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},
{
"date": "2022-05-20",
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{
"date": "2022-05-18",
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{
"date": "2022-05-17",
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{
"date": "2022-04-28",
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},
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},
{
"date": "2022-04-05",
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"listing": {
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"list_price": 850,
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},
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},
{
"date": "2022-04-02",
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"list_price": 850,
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{
"date": "2020-08-03",
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{
"date": "2020-01-10",
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"listing": {
"status": "sold",
"list_date": "2020-07-07T02:51:22Z",
"list_price": 60000,
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"last_update_date": "2020-01-13T15:43:30Z",
"last_status_change_date": "2020-07-07T02:51:22Z"
},
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"source_listing_id": "869183",
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{
"date": "2018-12-10",
"price": 23000,
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"source_name": "Public Record",
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{
"date": "2018-08-04",
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"listing_id": "635839787",
"last_update_date": "2018-08-03T00:06:18Z",
"last_status_change_date": "2018-08-04T00:06:19Z"
},
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"source_name": "AppfolioUnits",
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{
"date": "2018-08-03",
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"last_update_date": "2018-08-03T00:06:18Z",
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{
"date": "2018-07-25",
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"last_update_date": "2018-08-03T00:06:18Z",
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{
"date": "2018-06-18",
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"list_date": "2018-11-21T13:50:04Z",
"list_price": 23000,
"listing_id": "633149439",
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},
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "39 days",
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{
"date": "2018-05-10",
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{
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"list_date": "2017-09-03T07:00:00Z",
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"days_after_listed": "92 days",
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{
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}
],
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},
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"generated_at": "2026-02-16T02:43:54.918895Z",
"initial_filter": {
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"reason": "disabled",
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},
"processing_status": {
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"eligible": true,
"min_score": 60.0,
"overall_score": 72.6
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"rent_price": 1151.0,
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1525-Matt-Leonard-Dr-SW_Birmingham_AL_35211_M83700-30351",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 119000.0,
"loan_term_years": 30,
"annual_cash_flow": 10032.48,
"mortgage_monthly": 633.37,
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"total_amount_out": 23800.0,
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],
"down_payment_rate": 0.2,
"insurance_monthly": 71.62,
"monthly_cash_flow": 836.04,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
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"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property has natural gas heating. 'N'Gas: Spire' was selected as the most likely provider for this location.",
"utility": "Heating",
"allowance": 38
},
{
"note": "The property has a gas cooktop. 'N'Gas: Spire' was selected, consistent with the heating fuel type.",
"utility": "Cooking",
"allowance": 15
},
{
"note": "The property has a gas water heater. 'N'Gas: Spire' was selected, consistent with other gas appliances.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "The property has electric window units for cooling. 'A/C: Alabama Power' was selected as the primary electric provider in Birmingham.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "This covers general electricity for lights and outlets. 'Lights, Ref, Etc.: Ala Power' was selected as the primary provider. The landlord-supplied refrigerator cost is included in this line item per the schedule's naming convention.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "The property has public water. 'Water: Birmingham' was selected based on the property's city.",
"utility": "Water",
"allowance": 78
},
{
"note": "The property is connected to a public sewer. The allowance is based on the fixed rate from the schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash collection is a standard tenant utility. 'Jefferson City (Once per week)' was selected as the most applicable generic option for a property in Birmingham within Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A microwave was not mentioned as a provided appliance. The schedule includes an allowance for a tenant-owned microwave, which has been applied.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.42,
"down_payment_amount": 23800.0,
"property_tax_annual": 1538.82,
"property_tax_monthly": 128.23,
"property_tax_increase": 0.03,
"utility_allowance_total": 433.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2432.06,
"property_management_monthly": 115.1,
"monthly_cash_flow_after_debt": 202.67,
"cash_on_cash_return_after_debt": 0.1
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears largely rent-ready with cosmetic updates and working major components visible (flooring, paint, appliances, HVAC vents). Primary inspection risks are unverified safety items that commonly fail NSPIRE checks: confirmed smoke/CO detector placement/operation, GFCI protection in kitchen/bath, and measured bedroom egress clearances. No visible structural sagging, major roof failure, collapsed ceilings, or active leaks were observed. With a brief pre-inspection (install/verify detectors, confirm GFCI outlets, trim landscaping, address small trim/attic panel repairs) this home is likely to pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Interior appears recently painted and has new-looking vinyl plank flooring throughout; cabinets and countertops are aged but serviceable. Kitchen appliances (cooktop, wall oven, refrigerator) are present which reduces penalty. Minor cosmetic issues visible: scuffed door edges, chipped trim near kitchen entry, attic access panel with peeling paint, some overgrown shrubs encroaching the front porch. These are mostly cosmetic or capital repairs (paint, trim, minor carpentry). No visible collapsed flooring or severe interior damage. Overall condition suggests minor repair work and touch-ups are needed but not large-scale rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, active water intrusion, exposed high‑voltage wiring, or open subfloor). Hallway photo shows what appears to be a ceiling/wall mounted alarm device (possible smoke/CO), but placement and operation cannot be fully confirmed — presence of working, correctly-located smoke detectors and required CO alarm(s) is not documented. Bedroom windows appear operable and could provide egress but size/clear opening not measured. Kitchen and bath outlets/GFCI protection are not visible in photos. Entry door has a functioning exterior light; deadbolt not confirmed. Minor trip hazards: driveway cracks and slightly raised concrete; porch shrubbery could obstruct egress if not trimmed. Because several required safety features (smoke/CO, GFCI, deadbolt, egress dimensions) are unverified from photos, score reflects moderate inspection risk but no outright visible safety failures."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 70.0,
"rationale": "Floor registers and a thermostat visible indicate a central HVAC system is present; no signs of missing heating/cooling. Roof appears intact in exterior photo with no visible sagging or obvious leaks. Water heater, electrical panel and plumbing mechanicals not shown so their condition is assumed functional based on overall livable interior condition. Appliances present (cooktop, wall oven, fridge) suggest electrical circuits are in place. Because critical mechanicals (panel, water heater, HVAC service history) are unverified, score is conservative but indicates likely operational systems requiring routine verification/maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Brick exterior and roofline look sound from front photo; carport and covered entry appear structurally intact. Driveway has surface cracks and staining; wooden accessibility ramp is installed and appears serviceable though not professionally finished (paint/wear visible). Landscaping is slightly overgrown near entry which may obscure walkways/egress and should be trimmed. No signs of standing water, major foundation cracks, or visible termite damage in photos. Overall exterior condition is good with some site maintenance recommended."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (thermostat and floor registers observed); no visual sign of missing heating but no service records provided.",
"Water heater and main electrical panel are functional but were not photographed; absence of visible water stains or interior damage suggests no active leaks.",
"Smoke detectors and/or CO alarms may be present (a small ceiling/wall device is visible) but their number, placement, and functionality have not been confirmed; inspector will need to verify.",
"Bedroom windows are assumed operable and large enough to meet egress but exact clear opening dimensions are not available from photos.",
"Kitchen and bathroom outlets may lack visible GFCI protection; assume GFCI not verified and may need to be installed if absent.",
"Rental history in the snapshot is accurate (3 rental events in last 5 years) and is used as a positive bonus factor.",
"Ramp and porch railing are assumed to be structurally sound based on appearance; no close-up inspection of fasteners or rot was available."
],
"overall_score": 74.0,
"rubric_version": "nsPIRE-2026-02"
},
{
"summary": "Overall the property appears largely rent-ready with recent cosmetic updates, intact envelope, and functioning kitchen appliances — likely to pass a first HCV/NSPIRE inspection after a short pre-inspection checklist and minor fixes. Primary uncertainties are verification of GFCI protection in kitchen/bath, confirmation of working heating/HVAC and water heater, securing/repairing the attic access/ceiling area, and ensuring required smoke/CO detectors and a keyed deadbolt are properly installed. Expect minor repairs and verification/servicing of systems; timeline to pass inspection likely within 1–4 weeks if utilities are working and GFCI/detector items are remedied.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Interior appears recently refreshed: new-looking vinyl plank flooring, painted walls, functioning fixtures and cabinets. Kitchen equipped with refrigerator, cooktop and built-in oven. Cosmetic issues: chipped/peeling paint at hallway/attic access, overgrown shrubs exterior, driveway cracking, and some trim/finish detail work. These are mostly cosmetic or minor repair items that should be straightforward."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE code risk",
"score": 72.0,
"rationale": "No obvious life‑threatening hazards in photos. Smoke alarm-like device visible in hallway. No exposed wiring, visible active leaks, collapsed ceilings, or obvious structural movement. Unclear/ not visible: GFCI outlets for kitchen/bath, presence of CO alarm (likely not required if no gas appliances but not shown), presence of required deadbolt on entry. Attic access panel/ceiling paint peeling near hatch suggests prior moisture that should be confirmed. Bedroom window sizes look typical for egress but size/dimensions not verifiable from photos. These unknowns create moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 68.0,
"rationale": "Supply/return vents visible which implies central HVAC, and roof shingles appear intact from front elevation photo. No water heater, HVAC equipment, or electrical panel visible in photos so condition/age unknown. Kitchen appliances are present (electric cooktop/oven, fridge) which reduces immediate barrier to occupancy. Given the house age (1963) and lack of visual confirmation of mechanical equipment, treat systems as functional but unverified — moderate risk until tested and serviced."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Brick exterior looks intact, roof appears serviceable from photos, and a covered carport/porch and an ADA-style ramp are present improving accessibility. Driveway shows cracking and surface wear; landscaping is slightly overgrown. Ramp railing and paint show wear and should be inspected for secure attachment. Overall no visible foundation movement, standing water, or severe exterior deterioration."
},
{
"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": [
"Attic access panel / hallway ceiling shows peeling and looseness — potential past or minor water intrusion that requires inspection.",
"No clearly visible GFCI outlets in kitchen or bathroom photos — risk of NSPIRE fail if not present.",
"Mechanical systems (furnace/AC equipment and water heater) and electrical panel not visible in photos — condition and operation unverified; must be confirmed."
],
"confidence": 0.7,
"assumptions": [
"Interior photos reflect the entire living space condition; no unseen areas have major defects.",
"Central HVAC is present and operational (supply/return vents visible), though equipment was not photographed and should be tested.",
"Water heater and main plumbing are present and functional though not shown in photos.",
"Bedrooms have code-compliant egress windows typical of a ranch built in this era (window sizes not measured in photos).",
"Kitchen/bath may lack visible GFCI outlets in photos — assume unverified and require inspection/upgrade if absent.",
"Smoke alarm visible in hallway is assumed operational; additional alarms may be required in/near bedrooms and should be verified.",
"No gas appliances visible (cooktop appears electric); CO alarm requirement depends on local code and presence of gas appliances."
],
"overall_score": 74.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Overall the property is in good shape for a Section 8/HCV initial inspection with mostly cosmetic updates completed and functional systems likely present. Main inspection risks are missing/uncertain life-safety devices (GFCI outlets, carbon monoxide alarm), verification of working smoke detectors and entry locking hardware, and the condition of the wooden ramp/handrail. Addressing those items and confirming HVAC, water heater and electrical panel condition should put the unit in strong pass condition; expected time to pass is under 30 days with minor repairs and safety device installations.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently updated (new vinyl plank flooring, fresh paint, new vanity). Kitchen appliances are present (refrigerator, cooktop, wall oven) though cabinets are older and cosmetic touch-ups needed. Minor scuffs, trim paint chips, and possible cabinet hinge/door adjustment required. No exposed subfloor or major interior finish failures visible. Overall minor cosmetic/finish repairs only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "One smoke/CO-style device visible in hallway (likely a smoke detector). No carbon monoxide alarm visible, GFCI outlets not observed in kitchen/bath (risk for inspection), deadbolt on entry not visible. Bedrooms have windows for egress but size/opening compliance cannot be fully confirmed from photos. No exposed wiring or obvious active leaks seen. Moderate risk items could cause an NSPIRE fail (GFCI, CO alarm, entrance locking hardware) but are relatively quick fixes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 68.0,
"rationale": "Thermostat and floor vents visible indicating central HVAC likely present, but operational status and age not documented. Plumbing fixtures (sink, toilet, tub) appear intact; water heater and electrical panel not shown. Roof shows intact shingles from photos with no visible sagging, but age unknown. Systems appear present with no visible catastrophic failures, though verification/servicing recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick exterior in generally good condition. Driveway is cracked/stained but serviceable. Landscaping is overgrown near foundation in places (trim back recommended). A wooden accessibility ramp is installed at the front/right — it shows wear and needs close inspection for secure fastenings and guardrail integrity. No standing water or obvious foundation displacement visible from photos."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible carbon monoxide detector (CO alarm) in photos - potential NSPIRE fail.",
"GFCI outlets not observed in kitchen and bathroom areas - likely cause for inspection failure if absent.",
"Front entry deadbolt not visible - may need secure locking hardware to meet standards.",
"Wooden exterior accessibility ramp/handrail shows wear and may be unsafe or not meet guardrail requirements without repair/securement.",
"Electrical panel and water heater not shown/inspected — unknown condition (inspection risk until verified)."
],
"confidence": 0.75,
"assumptions": [
"Central HVAC is present and operational (thermostat and vents visible), but no service records provided.",
"Water heater and electrical service panel exist but were not photographed; assumed functional unless inspection finds otherwise.",
"Smoke detector present in hallway; additional detectors (per bedroom) and carbon monoxide alarm are not visible and may be missing.",
"Kitchen and bathroom outlets are not shown close-up; assume GFCI outlets are not installed or are not obvious.",
"Bedroom windows provide adequate egress based on standard window sizes shown, but exact opening dimensions are unverified.",
"No evidence of active roof leaks, major foundation movement, or concealed mold from provided photos; minor exterior vegetation may conceal small moisture issues."
],
"overall_score": 71.0,
"rubric_version": "2026-02-Section8-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1525 Matt Leonard Dr SW, Birmingham, AL, 35211",
"aggregate": {
"summary": "Overall the property appears largely rent-ready with cosmetic updates and working major components visible (flooring, paint, appliances, HVAC vents). Primary inspection risks are unverified safety items that commonly fail NSPIRE checks: confirmed smoke/CO detector placement/operation, GFCI protection in kitchen/bath, and measured bedroom egress clearances. No visible structural sagging, major roof failure, collapsed ceilings, or active leaks were observed. With a brief pre-inspection (install/verify detectors, confirm GFCI outlets, trim landscaping, address small trim/attic panel repairs) this home is likely to pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Interior appears recently painted and has new-looking vinyl plank flooring throughout; cabinets and countertops are aged but serviceable. Kitchen appliances (cooktop, wall oven, refrigerator) are present which reduces penalty. Minor cosmetic issues visible: scuffed door edges, chipped trim near kitchen entry, attic access panel with peeling paint, some overgrown shrubs encroaching the front porch. These are mostly cosmetic or capital repairs (paint, trim, minor carpentry). No visible collapsed flooring or severe interior damage. Overall condition suggests minor repair work and touch-ups are needed but not large-scale rehab."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 73.3,
"rationale": "Brick exterior and roofline look sound from front photo; carport and covered entry appear structurally intact. Driveway has surface cracks and staining; wooden accessibility ramp is installed and appears serviceable though not professionally finished (paint/wear visible). Landscaping is slightly overgrown near entry which may obscure walkways/egress and should be trimmed. No signs of standing water, major foundation cracks, or visible termite damage in photos. Overall exterior condition is good with some site maintenance recommended."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years) - bonus",
"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 risk",
"score": 69.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, active water intrusion, exposed high‑voltage wiring, or open subfloor). Hallway photo shows what appears to be a ceiling/wall mounted alarm device (possible smoke/CO), but placement and operation cannot be fully confirmed — presence of working, correctly-located smoke detectors and required CO alarm(s) is not documented. Bedroom windows appear operable and could provide egress but size/clear opening not measured. Kitchen and bath outlets/GFCI protection are not visible in photos. Entry door has a functioning exterior light; deadbolt not confirmed. Minor trip hazards: driveway cracks and slightly raised concrete; porch shrubbery could obstruct egress if not trimmed. Because several required safety features (smoke/CO, GFCI, deadbolt, egress dimensions) are unverified from photos, score reflects moderate inspection risk but no outright visible safety failures."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 68.7,
"rationale": "Floor registers and a thermostat visible indicate a central HVAC system is present; no signs of missing heating/cooling. Roof appears intact in exterior photo with no visible sagging or obvious leaks. Water heater, electrical panel and plumbing mechanicals not shown so their condition is assumed functional based on overall livable interior condition. Appliances present (cooktop, wall oven, fridge) suggest electrical circuits are in place. Because critical mechanicals (panel, water heater, HVAC service history) are unverified, score is conservative but indicates likely operational systems requiring routine verification/maintenance."
}
],
"red_flags": [],
"confidence": 0.93,
"assumptions": [
"Central HVAC is present and operational (thermostat and floor registers observed); no visual sign of missing heating but no service records provided.",
"Water heater and main electrical panel are functional but were not photographed; absence of visible water stains or interior damage suggests no active leaks.",
"Smoke detectors and/or CO alarms may be present (a small ceiling/wall device is visible) but their number, placement, and functionality have not been confirmed; inspector will need to verify.",
"Bedroom windows are assumed operable and large enough to meet egress but exact clear opening dimensions are not available from photos.",
"Kitchen and bathroom outlets may lack visible GFCI protection; assume GFCI not verified and may need to be installed if absent.",
"Rental history in the snapshot is accurate (3 rental events in last 5 years) and is used as a positive bonus factor.",
"Ramp and porch railing are assumed to be structurally sound based on appearance; no close-up inspection of fasteners or rot was available."
],
"score_method": "mean_of_criteria",
"overall_score": 72.6,
"rubric_version": "nsPIRE-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8370030351"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.