Property ID: 8379499905
189 Oak St, Grand Isle, LA, 70358
Grand Isle, LA
Money Down: $64,800
CoC Return: -8.83%
Monthly Cash Flow: $-477
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$54,000
Closing Costs
$10,800
Total Down
$64,800
Investment Snapshot
Purchase Price
$270,000
Money Down
$64,800
Cash-on-Cash Return
-8.83%
Rent
$1,253
Monthly Cash Flow
$-477
Annual Cash Flow
$-5,723
Debt Service / Mo
$1,437
Property Tax / Mo
$93
Insurance / Mo
$75
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,253
Payment Standard
$1,552
Rent
$1,253
Insurance
$75
Property Tax
$93
Management
$125
Utilities Allowance
$299
NOI (Monthly)
$960
Debt Service
$1,437
Cash Flow After Debt
$-477
Quality Score: 73.20%
Confidence: 95.00%
Overall this elevated 2-bed/1.5-bath coastal camp appears in good cosmetic and functional condition and would likely be rent-ready with minor corrections. The most likely initial inspection failures are absence/incorrect placement of smoke and CO alarms and lack of GFCI protection in kitchen/bath outlets or visible electrical concerns; these are straightforward to remediate. Major systems (roof/plumbing) look serviceable from photos, but verification of the electrical panel, operation of heating (window units) and water heater is required. Expect targeted fixes (install/verify alarms, GFCI outlets, electrician to inspect service and any exposed wiring) before passing NSPIRE. Time to readiness: likely within 1–4 weeks if alarms and minor electrical/GFCI work are completed promptly.
Section 8 Payment Standard
$1,552
Utility Allowance Total
$299
Guaranteed Section 8 Rent (PS - Utilities)
$1,253
Property Management
$125
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$270,000
Beds
2
Baths
1.5
Living Area
960 sqft
Lot Size
87 sqft
Year Built
1992
Days on Market
114
Capital Outlay
$64,800
Debt Service
$1,437
Property Tax / Mo
$93
Insurance / Mo
$75
Property Description
Nice cozy 2 bedroom/ 1.5 bath camp located in Commerical zone and can be a vacation rental. Oak Lane is connected to many cross streets throughout the island. There is a beach crossing on Oak Lane for a golf cart or side by side. Very easy beach access. Appliances, furnishings and linens, dishes to remain in sale. Has a 50 amp and 30 amp camper hookups on this property also!
Utility Allowances
Cooking
$15
Selected 'electric' as photos show an electric stove. The allowance is for a 2-bedroom unit.
Heating
$122
Property has a 'Wall Furnace'. As the fuel type is unspecified, the more expensive 'electric' option was chosen per instructions. The allowance is for a 2-bedroom unit.
Other Electric
$57
This is a fixed allowance for a 2-bedroom unit, covering general electricity usage like lights, cooling (wall units), and plug-in appliances.
Sewer
$0
Property description explicitly states it has a 'Septic Tank,' so no public sewer utility cost is incurred by the tenant.
Trash Collection
$25
This is a fixed allowance for municipal trash service, standard for a single-family home.
Water
$36
Water is a necessary utility for a home and is assumed to be from a public source. The allowance is for a 2-bedroom unit.
Water Heating
$44
The fuel type is not specified. 'Electric' was chosen to be consistent with the selection for the primary heating system. The allowance is for a 2-bedroom unit.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$898
DP3 Annual Estimate$898
DP1 Monthly Equivalent$75
DP3 Monthly Equivalent$75
Replacement Value$300,000
Basis960 sqft / 1992
Nearby Houses
Photo unavailable
227 Oak St Lot 10
for_sale · 0.07 mi
Price: $175,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
Photo unavailable
215 Louisiana Ave
off_market · 0.09 mi
Price: $799,000
7 bd / 3 ba · 3,477 sqft
Latest sale: — on Jul 22, 2022
Latest rent: —
Photo unavailable
Photo unavailable
Photo unavailable
Oak Ave Lot 4
for_sale · 0.12 mi
Price: $59,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
Elm Lot 10
for_sale · 0.12 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
Photo unavailable
Elm Lot 7
for_sale · 0.14 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
Photo unavailable
Photo unavailable
Elm Lot 7
for_sale · 0.15 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
Photo unavailable
Photo unavailable
Elm Lot 5
for_sale · 0.17 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarm in interior photos — likely inspection fail if absent.
- Potential electrical hazards: overhead service conductors and visible cabling around porch/under-structure need verification by an electrician.
- No visible central heating system (window AC units shown) — heating method must be adequate and operational for inspection.
- GFCI protection at kitchen and bathroom receptacles not visible — likely require GFCI outlets or breakers.
Assumptions
- Appliances shown (stove, refrigerator) remain with the property as stated in the listing and are operable.
- Water heater and electrical service/panel exist and are functional but were not shown in photos; no visible active leaks or water damage were observed.
- Bedroom windows meet egress size requirements though measurements were not provided; photos suggest standard bedroom windows.
- Stairs to the elevated structure have a continuous handrail (side stairs visible with railing) and porch guardrail is intact and meets height requirements.
- No active mold, hidden water intrusion, or foundation movement beyond what is visible in the photos; if severe hidden conditions exist (not visible) scores would be lower.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,080 | $75,800 | $7,580 |
| 2024 | $1,001 | $75,800 | $7,580 |
| 2023 | $901 | $63,200 | $6,320 |
| 2022 | $901 | $63,200 | $6,320 |
| 2021 | $569 | $40,800 | $4,080 |
| 2020 | $1,050 | $78,800 | $7,880 |
| 2019 | $1,065 | $78,800 | $7,880 |
| 2018 | $990 | $78,800 | $7,880 |
| 2017 | $990 | $78,800 | $7,880 |
| 2016 | $992 | $78,800 | $7,880 |
| 2015 | $958 | $78,800 | $7,880 |
| 2014 | $954 | $78,800 | $7,880 |
| 2013 | $954 | $78,800 | $7,880 |
| 2012 | $954 | $78,800 | $7,880 |
| 2011 | $958 | $78,300 | $7,830 |
| 2010 | $707 | $70,500 | $7,050 |
| 2009 | $929 | $78,300 | $7,830 |
| 2008 | $777 | — | $7,830 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-16 | Listed | $270,000 |
| 2022-07-20 | Sold | $0 |
| 2022-06-24 | Listing removed | $0 |
| 2022-04-11 | Price Changed | $185,900 |
| 2022-01-20 | Listed | $199,900 |
Photo Gallery
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{
"note": "Property has a 'Wall Furnace'. As the fuel type is unspecified, the more expensive 'electric' option was chosen per instructions. The allowance is for a 2-bedroom unit.",
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{
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{
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{
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{
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"summary": "Overall this elevated 2-bed/1.5-bath coastal camp appears in good cosmetic and functional condition and would likely be rent-ready with minor corrections. The most likely initial inspection failures are absence/incorrect placement of smoke and CO alarms and lack of GFCI protection in kitchen/bath outlets or visible electrical concerns; these are straightforward to remediate. Major systems (roof/plumbing) look serviceable from photos, but verification of the electrical panel, operation of heating (window units) and water heater is required. Expect targeted fixes (install/verify alarms, GFCI outlets, electrician to inspect service and any exposed wiring) before passing NSPIRE. Time to readiness: likely within 1–4 weeks if alarms and minor electrical/GFCI work are completed promptly.",
"criteria": [
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"label": "Visible condition and repair needs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained, recently updated interior (new-looking vinyl plank flooring, painted walls, intact cabinets, functioning appliances visible including stove and refrigerator). Exterior concrete driveway and yard are in good condition. Minor cosmetic items only (paint color, decor) and routine maintenance expected. No obvious damaged flooring, peeling paint, or collapsed surfaces observed. Missing central HVAC is noted but counted under systems; missing appliances are not an issue here because listing states appliances remain."
},
{
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"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 60.0,
"rationale": "Visible safety elements: exterior stair has a handrail and the porch has a guardrail; elevated stilt foundation appears straight and intact. However, there are several NSPIRE risk items not confirmed in photos: no visible smoke detectors or carbon monoxide alarm (none observed on ceilings or walls), GFCI protection at kitchen/bath outlets is not shown, and electrical service/wiring and the electrical panel are not visible. Overhead power lines and visible cables near the porch/under-structure raise potential electrical-safety concerns that require inspection. Bedroom windows appear adequate for egress in photos but sizes are not measured. Working plumbing fixtures are shown (toilet, sink, tub) with no visible leaks. Because missing smoke detectors/CO and unknown GFCI are common immediate fails, score reduced accordingly."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Roof appears to be metal and in good visible condition with no obvious sagging or active leaks. Plumbing fixtures in bathrooms/kitchen appear functional in photos with no visible water damage. There is no visible central HVAC; cooling/heating appears to be provided by window AC units in living room and bedrooms — this can be acceptable if operational and if a heating source is sufficient for code in this climate, but it is an unknown and must be verified. Water heater and electrical panel were not shown. Overhead service conductors and visible wiring near the porch should be verified by an inspector. Given generally good visible condition but several key system locations unverified, moderate score assigned."
},
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"label": "Exterior envelope, site, and walkways",
"score": 80.0,
"rationale": "Exterior photos show a tidy, elevated coastal structure on stable-looking posts, intact siding, railings on the porch, and a large poured-concrete driveway/parking area. Yard is maintained; gravel area and fencing posts appear functional. No visible major foundation cracks, standing water, collapsed walkways, or evidence of infestation. Coastal location and raised structure imply higher exposure risk to storms but the pictured envelope appears serviceable."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in interior photos — likely inspection fail if absent.",
"Potential electrical hazards: overhead service conductors and visible cabling around porch/under-structure need verification by an electrician.",
"No visible central heating system (window AC units shown) — heating method must be adequate and operational for inspection.",
"GFCI protection at kitchen and bathroom receptacles not visible — likely require GFCI outlets or breakers."
],
"confidence": 0.65,
"assumptions": [
"Appliances shown (stove, refrigerator) remain with the property as stated in the listing and are operable.",
"Water heater and electrical service/panel exist and are functional but were not shown in photos; no visible active leaks or water damage were observed.",
"Bedroom windows meet egress size requirements though measurements were not provided; photos suggest standard bedroom windows.",
"Stairs to the elevated structure have a continuous handrail (side stairs visible with railing) and porch guardrail is intact and meets height requirements.",
"No active mold, hidden water intrusion, or foundation movement beyond what is visible in the photos; if severe hidden conditions exist (not visible) scores would be lower."
],
"overall_score": 73.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Based on listing photos and description, this raised 2-bed/1.5-bath beach camp appears well-maintained with functioning kitchen and bathroom fixtures, intact exterior, and a clean interior — likely rent-ready after verifying a few code items. The main NSPIRE risks are: bedroom egress potentially obstructed by through-window AC units, lack of visible smoke/CO detectors, and unverified heating/electrical systems (panel, GFCI outlets, water heater). These are generally fixable within a short timeframe (1–4 weeks) but must be confirmed and corrected prior to an initial Housing Choice Voucher inspection. Overall this property is likely to pass with minor to moderate remediation work.",
"criteria": [
{
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"label": "Visible condition & repair needs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained, freshly painted interior, intact flooring, cabinetry and countertops. Kitchen appliances (range and refrigerator) are present and look serviceable. Bathrooms and fixtures appear clean and functional. Deck railings, stairs and exterior siding appear in good repair. No obvious peeling paint, major stains, or broken fixtures visible. Missing/unknown items: smoke/CO detectors and outlet covers not visible in photos (assumed easy fixes). Overall deferred maintenance is minimal and limited to small code-related items likely remedied quickly."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No visible smoke detectors or carbon monoxide devices in the photos (cannot confirm presence). Multiple window air-conditioning units are installed in bedrooms which may obstruct emergency egress — a significant NSPIRE concern. No GFCI outlets are visible in kitchen or bath photos (risk for citation). Entry door deadbolt and electrical panel are not shown. Exterior stairs and porch railing appear present and in reasonable condition. No visible active leaks, collapsed ceilings, or severe mold. Given the unknowns (detectors, egress, GFCI), safety compliance risk is moderate and will require a short remediation list to pass an initial inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC/plumbing/electrical/roof)",
"score": 60.0,
"rationale": "Roof appears to be a metal roof in good visual condition with no visible sagging or missing panels. HVAC: cooling is provided via window units; no central HVAC or visible furnace was shown and no obvious heating source is visible — this is a medium concern (heating must be functional). Plumbing fixtures (sinks, toilet, tub/shower) appear intact and functional in photos; hot water system was not shown. Electrical: service mast and overhead feed visible; interior outlets and the electrical panel are not shown so condition cannot be confirmed. Camper 50/30A hookups present (positive). Overall system condition is likely functional but several key components (heating, electrical panel, water heater) are unverified from photos and should be validated — lowered score for unknowns."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 85.0,
"rationale": "Elevated stilt construction appears straight and intact with no visible foundation movement. Siding and exterior finish look maintained. Large concrete driveway and parking area in excellent condition. Yard and site are tidy; gravel area and drain pattern appear typical for a beach/island property. No standing water or obvious drainage failure visible in photos. Stairs and porch railings are present and appear serviceable. Proximity to power lines and coastal location are noted but not direct NSPIRE fails in photos."
}
],
"red_flags": [
"Bedroom egress may be obstructed by through-window air-conditioning units (could fail bedroom egress requirement).",
"No visible smoke detectors or carbon monoxide alarm devices in photos (NSPIRE requires functioning detectors in required locations).",
"No visible central heating system or other obvious heat source shown — inspector will require demonstration of safe, functional heat.",
"No electrical panel or GFCI outlets shown; window AC cords visible and routing should be checked for safe connection and proper receptacles (potential electrical hazard)."
],
"confidence": 0.65,
"assumptions": [
"Photos represent the whole unit condition; no hidden water damage or insect/rodent infestation beyond what is visible.",
"Appliances shown (range, refrigerator) are functional as listing states appliances remain with sale.",
"Smoke and CO detectors are not visible in photos; assume they may be missing or not in required locations until confirmed.",
"Heating source is not visible; assume primary heating is not central (window units shown) and landlord will need to demonstrate adequate heating capability.",
"Electrical panel, GFCI protection, and hot water heater are present but were not shown; their condition is unknown and treated as moderate risk.",
"Stairs, handrails, and porch railings are present and appear secure in photos but have not been physically tested for stability."
],
"overall_score": 74.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment"
},
{
"summary": "Overall this elevated 2-bed/1.5-bath beach camp appears largely turnkey for Section 8 / HCV occupancy with clean interiors, included appliances and furnished condition, a solid exterior and good driveway/parking. Primary inspection risks are missing/unstated life-safety devices (smoke and CO alarms), visible/loose electrical cords and exterior wiring, and lack of visible permanent heating or mechanical equipment (water heater/electrical panel not shown). These issues are fixable (smoke/CO alarms, secure/permit electrical work, verify heating/hot water) and are the most likely items an initial NSPIRE/HCV inspection would require corrected before move-in.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained, recently refreshed camp: new-looking vinyl floors, painted walls, intact cabinetry and countertops, functioning appliances (stove, refrigerator, microwave) included per listing, clean bathrooms and fixtures, and furnished staging. Minor cosmetic items only (wall decor, any touch-up paint). No visible collapsed ceilings, major drywall damage, or missing major appliances. Deduction applied for visible window AC units (aging appearance) and a few hanging cords/cables that suggest minor electrical/installation cleanup."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "Many safety items appear satisfactory (solid porch railing, intact stairs, stable pilings, no visible water intrusion or mold stains, bathrooms and kitchen fixtures present). However: no smoke detectors or CO alarms are visible in the interior photos (NSPIRE requires smoke detectors in sleeping rooms and at least one outside sleeping areas); window AC units show visible cords and at least one cord is hanging loosely on the wall (possible unsafe extension/plugging practice). GFCI protection in kitchen and bathroom outlets cannot be confirmed from photos. Electrical panel not shown. Exterior wiring/cables are visible under the porch and along the eaves — potentially loose but not clearly damaged. Because smoke/CO detection and potential exposed/temporary wiring are inspection-fail items without quick verification/fixes, score reduced to reflect medium risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 60.0,
"rationale": "Roof appears to be a metal roof in good visual condition with no visible sagging or active leakage signs. Plumbing fixtures, toilets and tub/shower look functional with no stains or leaks visible. However there is no evidence of a central HVAC or permanent heating system in the photos — cooling is provided by window AC units (which may not provide heating). Water heater, electrical panel, and furnace/heat source are not shown; hot water functionality is assumed but unverified. The presence of camper hookups indicates good electrical capacity on-site, but visible loose wiring and window-unit installations suggest the electrical system should be verified by a licensed electrician. These unknowns lower the systems score to a moderate level."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior is tidy and maintained: concrete driveway and parking pad in very good condition, level yard with grass and gravel parking area, solid elevated foundation on pilings with no visible settlement or major rot, porch decking and railing appear structurally sound. Site shows clear access and no standing water in photos. Minor negatives: overhead utility lines cross the lot and visible site wiring could create aesthetic/maintenance concerns but not an immediate fail. Overall exterior ready and low maintenance."
}
],
"red_flags": [
"Missing or not-visible smoke detectors (NSPIRE requires alarms in/near sleeping areas).",
"Electrical hazards: visible loose/temporary cords (window AC units) and exposed wiring under porch/along eaves — requires electrician verification and likely remediation.",
"No visible permanent heating system (reliance on window AC units); lack of a confirmed heat source can be an inspection-fail depending on local code/inspector.",
"GFCI presence in kitchen and bath not verified — potential electrical safety deficiency."
],
"confidence": 0.6,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not present or not visible in photos; assume they are not installed to NSPIRE locations until verified.",
"Water heater and electrical panel are present and functional but are not pictured; assume plumbing provides hot water but this must be verified onsite.",
"Window AC units are the primary cooling source; no central HVAC or visible heating source pictured — assume no central heating unless seller documents otherwise.",
"Interior photos are representative of the whole unit (other rooms not shown are in similar condition).",
"No active roof leaks or foundation movement exist since no stains, sagging or cracks are visible; elevated construction reduces visible flood damage but increases need to verify pilings condition onsite.",
"GFCI protection in kitchen and bathroom outlets could not be confirmed from photos and should be tested during inspection."
],
"overall_score": 73.0,
"rubric_version": "ns_prep_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "189 Oak St, Grand Isle, LA, 70358",
"aggregate": {
"summary": "Overall this elevated 2-bed/1.5-bath coastal camp appears in good cosmetic and functional condition and would likely be rent-ready with minor corrections. The most likely initial inspection failures are absence/incorrect placement of smoke and CO alarms and lack of GFCI protection in kitchen/bath outlets or visible electrical concerns; these are straightforward to remediate. Major systems (roof/plumbing) look serviceable from photos, but verification of the electrical panel, operation of heating (window units) and water heater is required. Expect targeted fixes (install/verify alarms, GFCI outlets, electrician to inspect service and any exposed wiring) before passing NSPIRE. Time to readiness: likely within 1–4 weeks if alarms and minor electrical/GFCI work are completed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained, recently updated interior (new-looking vinyl plank flooring, painted walls, intact cabinets, functioning appliances visible including stove and refrigerator). Exterior concrete driveway and yard are in good condition. Minor cosmetic items only (paint color, decor) and routine maintenance expected. No obvious damaged flooring, peeling paint, or collapsed surfaces observed. Missing central HVAC is noted but counted under systems; missing appliances are not an issue here because listing states appliances remain."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and walkways",
"score": 81.7,
"rationale": "Exterior photos show a tidy, elevated coastal structure on stable-looking posts, intact siding, railings on the porch, and a large poured-concrete driveway/parking area. Yard is maintained; gravel area and fencing posts appear functional. No visible major foundation cracks, standing water, collapsed walkways, or evidence of infestation. Coastal location and raised structure imply higher exposure risk to storms but the pictured envelope appears serviceable."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 63.3,
"rationale": "Visible safety elements: exterior stair has a handrail and the porch has a guardrail; elevated stilt foundation appears straight and intact. However, there are several NSPIRE risk items not confirmed in photos: no visible smoke detectors or carbon monoxide alarm (none observed on ceilings or walls), GFCI protection at kitchen/bath outlets is not shown, and electrical service/wiring and the electrical panel are not visible. Overhead power lines and visible cables near the porch/under-structure raise potential electrical-safety concerns that require inspection. Bedroom windows appear adequate for egress in photos but sizes are not measured. Working plumbing fixtures are shown (toilet, sink, tub) with no visible leaks. Because missing smoke detectors/CO and unknown GFCI are common immediate fails, score reduced accordingly."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 61.7,
"rationale": "Roof appears to be metal and in good visible condition with no obvious sagging or active leaks. Plumbing fixtures in bathrooms/kitchen appear functional in photos with no visible water damage. There is no visible central HVAC; cooling/heating appears to be provided by window AC units in living room and bedrooms — this can be acceptable if operational and if a heating source is sufficient for code in this climate, but it is an unknown and must be verified. Water heater and electrical panel were not shown. Overhead service conductors and visible wiring near the porch should be verified by an inspector. Given generally good visible condition but several key system locations unverified, moderate score assigned."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in interior photos — likely inspection fail if absent.",
"Potential electrical hazards: overhead service conductors and visible cabling around porch/under-structure need verification by an electrician.",
"No visible central heating system (window AC units shown) — heating method must be adequate and operational for inspection.",
"GFCI protection at kitchen and bathroom receptacles not visible — likely require GFCI outlets or breakers."
],
"confidence": 0.95,
"assumptions": [
"Appliances shown (stove, refrigerator) remain with the property as stated in the listing and are operable.",
"Water heater and electrical service/panel exist and are functional but were not shown in photos; no visible active leaks or water damage were observed.",
"Bedroom windows meet egress size requirements though measurements were not provided; photos suggest standard bedroom windows.",
"Stairs to the elevated structure have a continuous handrail (side stairs visible with railing) and porch guardrail is intact and meets height requirements.",
"No active mold, hidden water intrusion, or foundation movement beyond what is visible in the photos; if severe hidden conditions exist (not visible) scores would be lower."
],
"score_method": "mean_of_criteria",
"overall_score": 73.2,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8379499905"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.