Property ID: 8402726492

5104 Highland Dr, Marrero, LA, 70072

Marrero, LA

For Sale Mar 27, 2026 02:46 AM UTC Realtor Street View Rent Zestimate
Money Down: $45,600 CoC Return: -5.40% Monthly Cash Flow: $-205
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$38,000
Closing Costs
$7,600
Total Down
$45,600
Primary property image

Investment Snapshot

Purchase Price
$190,000
Money Down
$45,600
Cash-on-Cash Return
-5.40%
Rent
$1,594
Monthly Cash Flow
$-205
Annual Cash Flow
$-2,461
Debt Service / Mo
$1,011
Property Tax / Mo
$340
Insurance / Mo
$288

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,594
Payment Standard
$1,983
Rent
$1,594
Insurance
$288
Property Tax
$340
Management
$159
Utilities Allowance
$389
NOI (Monthly)
$806
Debt Service
$1,011
Cash Flow After Debt
$-205

Quality Score: 46.50%

Confidence: 94.00%

This is an as‑is investor property with moderate to significant interior repair needs and safety risks that would likely cause an initial HCV/NSPIRE inspection to fail without repairs. Key issues observed: missing/ damaged kitchen cabinets and fixtures, cracked/uneven tile (trip hazard), and water-stained/ damaged ceilings indicating probable active or recent leaks (roof or plumbing). Smoke/CO detectors are not visible in photos and must be installed or confirmed. Mechanical systems appear present (thermostat and vents) but are unverified. Expect 30–90+ days of repairs to reach NSPIRE compliance depending on scope of leaks and system repairs.

Section 8 Payment Standard
$1,983
Utility Allowance Total
$389
Guaranteed Section 8 Rent (PS - Utilities)
$1,594
Property Management
$159

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$190,000
Beds
3
Baths
2.5
Living Area
3,700 sqft
Lot Size
6,821 sqft
Year Built
1987
Days on Market
14
Capital Outlay
$45,600
Debt Service
$1,011
Property Tax / Mo
$340
Insurance / Mo
$288

Property Description

MASSIVE INVESTOR OPPORTUNITY IN THE HIGHLANDS! Looking for your next big project? Welcome to 5104 Highland Drive. Boasting over 3,000 square feet, this is officially one of the largest properties in the entire neighborhood! This home offers incredible "bones" and a footprint that is nearly 20% larger than the area average, providing endless configuration possibilities. The Details: Sold As-Is: Seller will make no repairs. Financing: Cash Buyers only (Property will not qualify for FHA or VA financing). Potential: Perfect as a high-end flip or a massive rental addition to your portfolio. Don't miss out on the chance to gain instant equity in Marrero. Bring your flashlight, your contractor, and your vision!

Utility Allowances

heating
$140
Property has central heating. Fuel type was not specified, so the most expensive common option (Electric) was selected per instructions.
cooking
$17
Cooking fuel source was not specified. The most expensive common option (Electric) was selected over Natural Gas.
water_heating
$51
Water heating fuel source was not specified. The most expensive common option (Electric) was selected over Natural Gas.
other_electric
$67
Standard allowance for general electric usage such as lights, central AC, and outlets, based on the 3-bedroom count. Includes tenant-owned appliances.
water
$43
Property listing indicates connection to a public water source. Allowance is based on the 3-bedroom count.
sewer
$46
Property listing indicates connection to city sewer. Allowance is based on the 3-bedroom count.
trash_collection
$25
Trash collection is a standard, inferred utility for a single-family home. The allowance is a fixed rate from the schedule.

Source References

Utility Allowance Source
Effective Date: Jan 01, 2026
No utility allowance source links available.

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$3,460
DP3 Annual Estimate$3,460
DP1 Monthly Equivalent$288
DP3 Monthly Equivalent$288
Replacement Value$269,000
Basis3,700 sqft / 1987

Nearby Houses

Nearby house 1
Photo unavailable

5117 Woodcrest Dr

for_sale · 0.09 mi
Price: $225,000
3 bd / 2 ba · 1,550 sqft
Latest sale: — on Aug 11, 2021
Latest rent: —
Nearby house 2
Photo unavailable

5069 Page St

for_sale · 0.10 mi
Price: $105,000
3 bd / 3 ba · 2,206 sqft
Latest sale: —
Latest rent: —
Nearby house 3
Photo unavailable

5201 Willowtree Rd

for_sale · 0.11 mi
Price: $250,000
3 bd / 2 ba · 1,529 sqft
Latest sale: —
Latest rent: —
Nearby house 4
Photo unavailable

5121 Eighty Arpent Rd

for_sale · 0.14 mi
Price: $230,000
3 bd / 3 ba · 1,363 sqft
Latest sale: —
Latest rent: —
Nearby house 5
Photo unavailable

2209 Broas St

for_sale · 0.15 mi
Price: $399,000
3 bd / 3 ba · 3,400 sqft
Latest sale: —
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success
  • Visible ceiling water stains and localized ceiling damage (evidence of active or prior leak) — potential roof/plumbing failure
  • No visible smoke detectors/CO alarms in photos (NSPIRE critical item)
  • Kitchen cabinets extensively damaged/missing creating sanitation and storage issues and exposing plumbing/substrates
  • Cracked/uneven tile flooring creating trip hazards
  • Listing sold 'AS‑IS' and cash-only/does not qualify for FHA or VA (indicator of substantial unaddressed defects)

Assumptions

  • No smoke detectors or CO alarms were visible in the photos; assume they are missing or not installed per NSPIRE placement until confirmed.
  • Appliances (range, refrigerator) are not shown and likely missing or not guaranteed to be functional; assume at least stove/range may be absent or need repair.
  • Thermostat and supply/return grille indicate a forced-air HVAC system exists but its operational status is unknown.
  • Ceiling stains represent active or recent water intrusion (roof or plumbing) that will require investigation and repair.
  • Electrical panel condition and presence of required GFCI protection at kitchen/bath outlets are unknown; assume some outlet upgrades may be needed.
  • No rental history in last 5 years; rental_history_activity criterion excluded from overall score.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $3,962 $301,000 $30,100
2024 $3,950 $301,000 $30,100
2023 $4,104 $299,300 $29,930
2022 $4,005 $299,300 $29,930
2021 $3,785 $299,300 $29,930
2020 $3,705 $299,300 $29,930
2019 $3,861 $297,100 $29,710
2018 $3,621 $297,100 $29,710
2017 $3,481 $297,100 $29,710
2016 $3,134 $272,600 $27,260
2015 $3,156 $269,900 $26,990
2014 $3,120 $269,900 $26,990
2013 $3,106 $269,900 $26,990
2012 $3,119 $269,900 $26,990
2011 $3,127 $269,900 $26,990
2010 $2,677 $249,000 $24,900
2009 $2,673 $249,000 $24,900
2008 $2,667 $24,900

Sale History

DateEventPrice
2026-03-26 Listed $190,000
2016-09-14 Listing removed $119,900
2016-09-13 Sold $0
2016-06-16 Price Changed $119,900
2016-02-22 Price Changed $134,900
2016-01-19 Listed $139,900
2016-01-14 Listing removed $149,900
2015-08-13 Listed $149,900
2010-02-02 Listing removed $289,900
2010-01-26 Price Changed $289,900
2009-10-06 Listed $298,000
2009-02-09 Sold $0
2008-05-07 Sold $0
2006-08-02 Sold $0
2003-11-01 Sold $0

Photo Gallery

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                      "Lot Size Acres: 0.1295",
                      "Lot Size Dimensions: 57x99",
                      "Lot Size Square Feet: 5641"
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                      "Source Listing Status: Active",
                      "County: Jefferson",
                      "Directions: 1 block from PardPlayground",
                      "Source Property Type: Residential",
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                      "Year Built: 1970",
                      "Building Area Total: 1363",
                      "Building Exterior Type: Brick",
                      "Foundation Details: Slab",
                      "Property Age: 56",
                      "Levels or Stories: 1.00000",
                      "House Style: Ranch",
                      "Total Area Sqft: 1783",
                      "Year Built Effective: 2026",
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            "days_after_listed": null,
            "source_listing_id": "2549684",
            "price_change_percentage": null
          },
          {
            "date": "2016-09-14",
            "price": 119900,
            "listing": {
              "status": "off_market",
              "list_date": "2016-01-19T07:00:00Z",
              "list_price": 119900,
              "listing_id": "605406087",
              "last_update_date": "2016-09-14T21:25:00Z",
              "last_status_change_date": "2016-09-12T07:00:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": 32.4054054054054,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2042415",
            "price_change_percentage": null
          },
          {
            "date": "2016-09-13",
            "price": 0,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": null,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": "238 days",
            "source_listing_id": null,
            "price_change_percentage": null
          },
          {
            "date": "2016-06-16",
            "price": 119900,
            "listing": {
              "status": "off_market",
              "list_date": "2016-01-19T07:00:00Z",
              "list_price": 119900,
              "listing_id": "605406087",
              "last_update_date": "2016-09-14T21:25:00Z",
              "last_status_change_date": "2016-09-12T07:00:00Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 32.4054054054054,
            "source_name": "NewOrleans",
            "price_change": -15000,
            "days_after_listed": null,
            "source_listing_id": "2042415",
            "price_change_percentage": null
          },
          {
            "date": "2016-02-22",
            "price": 134900,
            "listing": {
              "status": "off_market",
              "list_date": "2016-01-19T07:00:00Z",
              "list_price": 119900,
              "listing_id": "605406087",
              "last_update_date": "2016-09-14T21:25:00Z",
              "last_status_change_date": "2016-09-12T07:00:00Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 36.45945945945946,
            "source_name": "NewOrleans",
            "price_change": -5000,
            "days_after_listed": null,
            "source_listing_id": "2042415",
            "price_change_percentage": null
          },
          {
            "date": "2016-01-19",
            "price": 139900,
            "listing": {
              "status": "off_market",
              "list_date": "2016-01-19T07:00:00Z",
              "list_price": 119900,
              "listing_id": "605406087",
              "last_update_date": "2016-09-14T21:25:00Z",
              "last_status_change_date": "2016-09-12T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": 37.810810810810814,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2042415",
            "price_change_percentage": null
          },
          {
            "date": "2016-01-14",
            "price": 149900,
            "listing": {
              "status": "off_market",
              "list_date": "2015-08-13T07:00:00Z",
              "list_price": 149900,
              "listing_id": "599990783",
              "last_update_date": "2016-01-14T17:56:40Z",
              "last_status_change_date": "2015-08-13T07:00:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": 40.513513513513516,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": "154 days",
            "source_listing_id": "2023865",
            "price_change_percentage": null
          },
          {
            "date": "2015-08-13",
            "price": 149900,
            "listing": {
              "status": "off_market",
              "list_date": "2015-08-13T07:00:00Z",
              "list_price": 149900,
              "listing_id": "599990783",
              "last_update_date": "2016-01-14T17:56:40Z",
              "last_status_change_date": "2015-08-13T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": 40.513513513513516,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2023865",
            "price_change_percentage": null
          },
          {
            "date": "2010-02-02",
            "price": 289900,
            "listing": {
              "status": "off_market",
              "list_date": "2009-10-06T07:00:00Z",
              "list_price": 289900,
              "listing_id": "512490195",
              "last_update_date": "2010-02-14T05:09:00Z",
              "last_status_change_date": "2010-02-02T20:33:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": 74.2381562099872,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": "119 days",
            "source_listing_id": "808189",
            "price_change_percentage": null
          },
          {
            "date": "2010-01-26",
            "price": 289900,
            "listing": {
              "status": "off_market",
              "list_date": "2009-10-06T07:00:00Z",
              "list_price": 289900,
              "listing_id": "512490195",
              "last_update_date": "2010-02-14T05:09:00Z",
              "last_status_change_date": "2010-02-02T20:33:00Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 74.2381562099872,
            "source_name": "NewOrleans",
            "price_change": -8100,
            "days_after_listed": null,
            "source_listing_id": "808189",
            "price_change_percentage": null
          },
          {
            "date": "2009-10-06",
            "price": 298000,
            "listing": {
              "status": "off_market",
              "list_date": "2009-10-06T07:00:00Z",
              "list_price": 289900,
              "listing_id": "512490195",
              "last_update_date": "2010-02-14T05:09:00Z",
              "last_status_change_date": "2010-02-02T20:33:00Z"
            },
            "event_name": "Listed",
            "price_sqft": 76.3124199743918,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "808189",
            "price_change_percentage": null
          },
          {
            "date": "2009-02-09",
            "price": 0,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": null,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
          },
          {
            "date": "2008-05-07",
            "price": 0,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": null,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
          },
          {
            "date": "2006-08-02",
            "price": 0,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": null,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
          },
          {
            "date": "2003-11-01",
            "price": 0,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": null,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": false
  },
  "property_id": "8402726492",
  "generated_at": "2026-03-27T02:46:19.699686Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 10.0,
    "overall_score": 46.5
  },
  "utility_allowance": {
    "zip_code": "70072",
    "home_photo": "https://ap.rdcpix.com/6d2f8c5a7bb4e411b43e8e5d501ce14bl-m1763986195s-w1280.jpg",
    "rent_price": 1594.0,
    "loan_amount": 152000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/5104-Highland-Dr_Marrero_LA_70072_M84027-26492",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 190000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 9674.34,
    "mortgage_monthly": 1011.26,
    "payment_standard": 1983.0,
    "total_amount_out": 38000.0,
    "additional_photos": [
      "https://ap.rdcpix.com/6d2f8c5a7bb4e411b43e8e5d501ce14bl-m1503950332s-w1280.jpg",
      "https://ap.rdcpix.com/6d2f8c5a7bb4e411b43e8e5d501ce14bl-m3069420346s-w1280.jpg",
      "https://ap.rdcpix.com/6d2f8c5a7bb4e411b43e8e5d501ce14bl-m2500189492s-w1280.jpg",
      "https://ap.rdcpix.com/6d2f8c5a7bb4e411b43e8e5d501ce14bl-m3400658882s-w1280.jpg",
      "https://ap.rdcpix.com/6d2f8c5a7bb4e411b43e8e5d501ce14bl-m2181147766s-w1280.jpg",
      "https://ap.rdcpix.com/6d2f8c5a7bb4e411b43e8e5d501ce14bl-m1532044788s-w1280.jpg",
      "https://ap.rdcpix.com/6d2f8c5a7bb4e411b43e8e5d501ce14bl-m2360708226s-w1280.jpg",
      "https://ap.rdcpix.com/6d2f8c5a7bb4e411b43e8e5d501ce14bl-m1289825309s-w1280.jpg",
      "https://ap.rdcpix.com/6d2f8c5a7bb4e411b43e8e5d501ce14bl-m4045558400s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 288.33,
    "monthly_cash_flow": 806.2,
    "property_tax_rate": null,
    "_utility_allowance": {
      "sources": [],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "Property has central heating. Fuel type was not specified, so the most expensive common option (Electric) was selected per instructions.",
        "utility": "heating",
        "allowance": 140
      },
      {
        "note": "Cooking fuel source was not specified. The most expensive common option (Electric) was selected over Natural Gas.",
        "utility": "cooking",
        "allowance": 17
      },
      {
        "note": "Water heating fuel source was not specified. The most expensive common option (Electric) was selected over Natural Gas.",
        "utility": "water_heating",
        "allowance": 51
      },
      {
        "note": "Standard allowance for general electric usage such as lights, central AC, and outlets, based on the 3-bedroom count. Includes tenant-owned appliances.",
        "utility": "other_electric",
        "allowance": 67
      },
      {
        "note": "Property listing indicates connection to a public water source. Allowance is based on the 3-bedroom count.",
        "utility": "water",
        "allowance": 43
      },
      {
        "note": "Property listing indicates connection to city sewer. Allowance is based on the 3-bedroom count.",
        "utility": "sewer",
        "allowance": 46
      },
      {
        "note": "Trash collection is a standard, inferred utility for a single-family home. The allowance is a fixed rate from the schedule.",
        "utility": "trash_collection",
        "allowance": 25
      }
    ],
    "cash_on_cash_return": 0.25,
    "down_payment_amount": 38000.0,
    "property_tax_annual": 4080.86,
    "property_tax_monthly": 340.07,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 389.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://jphsdd.org/2025/01/17/payment-standards-update/",
        "https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
      ],
      "effective_date": "2025-01-01"
    },
    "property_tax_history_year": 2025,
    "annual_cash_flow_after_debt": -2460.78,
    "property_management_monthly": 159.4,
    "monthly_cash_flow_after_debt": -205.06,
    "cash_on_cash_return_after_debt": -0.06
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This is an as‑is investor property with moderate to significant interior repair needs and safety risks that would likely cause an initial HCV/NSPIRE inspection to fail without repairs. Key issues observed: missing/ damaged kitchen cabinets and fixtures, cracked/uneven tile (trip hazard), and water-stained/ damaged ceilings indicating probable active or recent leaks (roof or plumbing). Smoke/CO detectors are not visible in photos and must be installed or confirmed. Mechanical systems appear present (thermostat and vents) but are unverified. Expect 30–90+ days of repairs to reach NSPIRE compliance depending on scope of leaks and system repairs.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 45.0,
            "rationale": "Interior photos show widespread cosmetic and finish defects: multiple cabinet doors/drawer fronts missing in the kitchen, exposed cabinet interiors, worn/peeling cabinetry, and areas of tile flooring that are cracked/uneven (trip hazard). Ceiling plaster shows staining and localized damage in at least two rooms (foyer/near light fixture and above bedroom fireplace). These are moderate but extensive repairs — functional structure appears present (floors, walls, windows) so damage is not catastrophic, but the kitchen will need moderate-to-heavy rehab and ceiling repairs. Missing appliances/cabinetry reduce score moderately but are not a structural failure."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 40.0,
            "rationale": "Photos do not show any visible smoke detectors or CO alarms; none were obvious in hallways/ceilings photographed. There is visible ceiling water staining and localized ceiling damage which indicates an active or recent leak (potential mold/water intrusion risk). Kitchen plumbing is exposed beneath the sink and GFCI protection at the sink/outlet is not clearly visible. Balcony guardrail is present but appears weathered; no major visible exposed wiring but many cover plates and devices are present. Because smoke/CO detectors (NSPIRE critical items) are not visible and there is evidence of water intrusion, safety/code risk is moderate-high."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical",
            "score": 50.0,
            "rationale": "HVAC evidence: thermostat and floor/return grille visible, indicating a forced-air system likely present, but no heating/AC equipment or service evidence shown. Water heater and electrical panel not visible. Kitchen plumbing fixtures exist (sink present) but cabinets under sink are open; condition of drains/water heater unknown. Roof condition is not directly visible from photos, but ceiling stains strongly suggest roof or plumbing leak — a systems concern. Overall systems appear present but unverified and potentially in need of repair."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 65.0,
            "rationale": "Front elevation shows an intact roofline, chimney and second-floor balcony with railing. Brick veneer and siding appear generally intact. Driveway and gated entry present. No obvious foundation settlement or major exterior structural cracks visible in provided exterior photo. Some cosmetic wear and paint issues are present but exterior/site has fewer visible deficiencies than the interior."
          }
        ],
        "red_flags": [
          "Visible ceiling water stains and localized ceiling damage (evidence of active or prior leak) — potential roof/plumbing failure",
          "No visible smoke detectors/CO alarms in photos (NSPIRE critical item)",
          "Kitchen cabinets extensively damaged/missing creating sanitation and storage issues and exposing plumbing/substrates",
          "Cracked/uneven tile flooring creating trip hazards",
          "Listing sold 'AS‑IS' and cash-only/does not qualify for FHA or VA (indicator of substantial unaddressed defects)"
        ],
        "confidence": 0.65,
        "assumptions": [
          "No smoke detectors or CO alarms were visible in the photos; assume they are missing or not installed per NSPIRE placement until confirmed.",
          "Appliances (range, refrigerator) are not shown and likely missing or not guaranteed to be functional; assume at least stove/range may be absent or need repair.",
          "Thermostat and supply/return grille indicate a forced-air HVAC system exists but its operational status is unknown.",
          "Ceiling stains represent active or recent water intrusion (roof or plumbing) that will require investigation and repair.",
          "Electrical panel condition and presence of required GFCI protection at kitchen/bath outlets are unknown; assume some outlet upgrades may be needed.",
          "No rental history in last 5 years; rental_history_activity criterion excluded from overall score."
        ],
        "overall_score": 48.0,
        "rubric_version": "1.0"
      },
      {
        "summary": "Moderate-to-significant rehab required. Exterior appears serviceable, but interior shows multiple deferred maintenance items (missing kitchen cabinetry/appliances, cracked/buckled tile, ceiling water stains) and NSPIRE safety risks (possible active leak, trip hazards, no visible smoke/CO detectors). Property is an investor 'as‑is' sale; likely will not pass an initial Section 8 / HCV inspection without 30–60 days of targeted repairs and system verifications (roof/plumbing repairs, ceiling repair, floor remediation, kitchen restoration, installation/test of smoke/CO detectors, and electrical/GFCI verification).",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible repair needs & deferred maintenance",
            "score": 40.0,
            "rationale": "Interior shows multiple moderate-to-major cosmetic and finish defects: many missing cabinet faces and drawers in the kitchen, exposed under-sink plumbing, large areas of tile flooring that are cracked/buckled, and water staining/discoloration on ceilings. Listing is 'sold as-is' and cash-only which typically indicates deferred maintenance beyond cosmetic items. These issues are repairable but substantive (cabinet rebuild, tile subfloor repair, ceiling repair) and reduce immediate rent-readiness."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE compliance risk",
            "score": 35.0,
            "rationale": "Photos reveal ceiling water staining (possible active or recent leaks), buckled tile that is a trip hazard, no visible smoke or CO detectors in photographed rooms, and kitchen cabinets removed exposing plumbing. No visible exposed high-voltage wiring, but GFCI locations and electrical panel were not shown. The decorative front security gate could present egress concerns depending on operability. Combined, these create multiple NSPIRE inspection risks that must be remediated before passing."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems health (HVAC, electrical, plumbing, roof, water heater)",
            "score": 45.0,
            "rationale": "A thermostat and supply/return vent are visible (suggesting presence of HVAC), but no mechanical equipment (furnace/AHU, water heater, or electrical panel) were photographed and functionality is unverified. Ceiling stains indicate prior or active water intrusion which could affect roofing/plumbing. Visible sink plumbing is present but cabinets are removed; appliance hookups and water heater condition are unknown. Given evidence, systems may be intact but require verification and likely repairs."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, yard and site condition",
            "score": 70.0,
            "rationale": "Exterior photo shows an intact roofline, brick/siding in reasonable condition, balcony railing present, driveway and gated entry. No visible major foundation cracking or collapsed areas from the single exterior photo. Some cosmetic staining at lower facade and exterior paint wear noted. Overall exterior appears the strongest area relative to interior condition."
          }
        ],
        "red_flags": [
          "Ceiling water stains (possible active leak) — needs immediate investigation and repair",
          "Buckled/cracked tile flooring — indicates subfloor or foundation movement or moisture issues (trip hazard)",
          "No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE failure risk)",
          "Missing kitchen cabinet faces/exposed plumbing and likely missing appliances (major repair for rental readiness)"
        ],
        "confidence": 0.6,
        "assumptions": [
          "Photos represent the primary living areas and are recent; additional unseen areas may have similar or worse conditions.",
          "No major systems (electrical panel, water heater, HVAC equipment) were photographed; presence of vents and thermostat indicates an installed HVAC system but operability is unverified.",
          "Appliances (stove, refrigerator, possibly dishwasher) are not present or not visible in photos and should be assumed missing until confirmed.",
          "Ceiling stains indicate prior water intrusion; could be from roof or plumbing; condition may be active and will require investigation.",
          "Security gate at entry is operable and not permanently locking egress; if it restricts egress it will need modification to meet code."
        ],
        "overall_score": 45.0,
        "rubric_version": "nsPIRE_v1.0-2026-03"
      },
      {
        "summary": "Moderate repair needs and multiple safety/code risks make this property unlikely to pass an initial Housing Choice Voucher (NSPIRE) inspection in its current state. Visible ceiling stains (possible active leak), missing cabinet doors and open cabinet bays, cracked/loose floor tiles (trip hazards), and no visible smoke/CO detectors are the main concerns. Major systems (HVAC, electrical, water heater) are not documented as operational and must be verified. Expect 30–60 days of focused repairs (roof/plumbing remediation if leak active, install alarms/GFCIs, repair floor tile and cabinetry, verify system operation) before the property is likely to pass an HCV inspection.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 50.0,
            "rationale": "Interior shows significant deferred cosmetic and finish repairs: multiple missing cabinet doors and open cabinet bays in the kitchen, large areas of floor tile that are cracked/loose or patched (trip hazard), visible ceiling finish damage and stains near fixtures, scuffed trim/baseboards and general wear. Missing or not-present kitchen appliance evidence in photos (no visible stove/oven or fridge) reduces turnkey readiness but is a moderate issue compared with structural failures. Listing 'sold as-is' and cash-only supports expectation of additional unseen deferred maintenance. These combined place the property in a moderate repairs category."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 35.0,
            "rationale": "Multiple visible inspection risks: ceiling water stains indicate current or prior leaks (potential active leak), several loose or missing floor tiles create trip hazards, no visible smoke detectors or CO alarms in photographed areas (required for pass), kitchen shows exposed under-sink plumbing and open cabinet bays near utilities, and there is no clear evidence of GFCI protection at kitchen sink. Entry door hardware and deadbolt presence not clearly visible. Bedroom egress appears to exist but several windows/doors are covered making confirmation impossible. Given these safety items and lack of confirmed alarms and GFCI, the unit has a significant risk of failing an initial NSPIRE/HCV inspection without corrective work."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems / Mechanical",
            "score": 40.0,
            "rationale": "Limited visibility of major systems. A supply/return register grille and thermostat are visible suggesting central HVAC, but operability is unknown. Water stains on ceilings point to plumbing or roof penetration issues that could affect the water heater or structural elements. No water heater, electrical panel, or furnace are pictured; kitchen plumbing is exposed under sink which can indicate recent work or leaks. Electrical condition and panel integrity cannot be confirmed. Given the listing's 'as-is' status and visible water damage, allocate moderate risk to major systems until mechanical inspections confirm operation."
          },
          {
            "key": "exterior_site",
            "label": "Exterior / Site Condition",
            "score": 65.0,
            "rationale": "Exterior façade and roofline visible in photo appear generally intact: masonry and siding show typical age-related wear but no obvious foundation settlement or large roof collapse. Second-floor balcony and railing are present and appear serviceable from distance. Driveway and gate visible and appear usable. Some staining and localized finish wear observed on lower stucco/paint. Overall exterior condition is better than interior finish condition but still needs routine repairs/painting."
          }
        ],
        "red_flags": [
          "Visible ceiling stains / evidence of active or recent water intrusion (possible roof or plumbing leak)",
          "No visible smoke detectors or CO alarms in photos (NSPIRE/LHD requirement)",
          "Cracked / loose floor tiles creating trip hazards (safety fail risk)",
          "Kitchen cabinetry severely deteriorated / open bays exposing plumbing (potential leaks and pest entry)",
          "Listing is 'sold as-is' / cash-only — indicates seller will not repair and there may be concealed system failures"
        ],
        "confidence": 0.65,
        "assumptions": [
          "HVAC exists (thermostat and a register are visible) but operability has not been confirmed; score assumes possible but unverified functionality.",
          "Smoke and carbon monoxide detectors are not present in photographed areas; assume none or not properly located unless owner confirms otherwise.",
          "Kitchen appliances (stove/oven, refrigerator) are not shown and likely missing or removed given open cabinet spaces; treat as missing for readiness scoring.",
          "Electrical panel, water heater and other major mechanical equipment are not visible in photos; assume unknown condition and moderate risk because property is sold as-is.",
          "Bedroom egress windows exist but may be obstructed/covered in photos; assume they meet egress dimensions only after verification.",
          "Listing 'sold as-is' and 'cash buyers only' implies seller will not make repairs and there may be additional unseen defects."
        ],
        "overall_score": 46.0,
        "rubric_version": "nsPIRE-v1.0-2026-03"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "5104 Highland Dr, Marrero, LA, 70072",
    "aggregate": {
      "summary": "This is an as‑is investor property with moderate to significant interior repair needs and safety risks that would likely cause an initial HCV/NSPIRE inspection to fail without repairs. Key issues observed: missing/ damaged kitchen cabinets and fixtures, cracked/uneven tile (trip hazard), and water-stained/ damaged ceilings indicating probable active or recent leaks (roof or plumbing). Smoke/CO detectors are not visible in photos and must be installed or confirmed. Mechanical systems appear present (thermostat and vents) but are unverified. Expect 30–90+ days of repairs to reach NSPIRE compliance depending on scope of leaks and system repairs.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 45.0,
          "rationale": "Interior photos show widespread cosmetic and finish defects: multiple cabinet doors/drawer fronts missing in the kitchen, exposed cabinet interiors, worn/peeling cabinetry, and areas of tile flooring that are cracked/uneven (trip hazard). Ceiling plaster shows staining and localized damage in at least two rooms (foyer/near light fixture and above bedroom fireplace). These are moderate but extensive repairs — functional structure appears present (floors, walls, windows) so damage is not catastrophic, but the kitchen will need moderate-to-heavy rehab and ceiling repairs. Missing appliances/cabinetry reduce score moderately but are not a structural failure."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site",
          "score": 66.7,
          "rationale": "Front elevation shows an intact roofline, chimney and second-floor balcony with railing. Brick veneer and siding appear generally intact. Driveway and gated entry present. No obvious foundation settlement or major exterior structural cracks visible in provided exterior photo. Some cosmetic wear and paint issues are present but exterior/site has fewer visible deficiencies than the interior."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Compliance",
          "score": 36.7,
          "rationale": "Photos do not show any visible smoke detectors or CO alarms; none were obvious in hallways/ceilings photographed. There is visible ceiling water staining and localized ceiling damage which indicates an active or recent leak (potential mold/water intrusion risk). Kitchen plumbing is exposed beneath the sink and GFCI protection at the sink/outlet is not clearly visible. Balcony guardrail is present but appears weathered; no major visible exposed wiring but many cover plates and devices are present. Because smoke/CO detectors (NSPIRE critical items) are not visible and there is evidence of water intrusion, safety/code risk is moderate-high."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems & Mechanical",
          "score": 45.0,
          "rationale": "HVAC evidence: thermostat and floor/return grille visible, indicating a forced-air system likely present, but no heating/AC equipment or service evidence shown. Water heater and electrical panel not visible. Kitchen plumbing fixtures exist (sink present) but cabinets under sink are open; condition of drains/water heater unknown. Roof condition is not directly visible from photos, but ceiling stains strongly suggest roof or plumbing leak — a systems concern. Overall systems appear present but unverified and potentially in need of repair."
        }
      ],
      "red_flags": [
        "Visible ceiling water stains and localized ceiling damage (evidence of active or prior leak) — potential roof/plumbing failure",
        "No visible smoke detectors/CO alarms in photos (NSPIRE critical item)",
        "Kitchen cabinets extensively damaged/missing creating sanitation and storage issues and exposing plumbing/substrates",
        "Cracked/uneven tile flooring creating trip hazards",
        "Listing sold 'AS‑IS' and cash-only/does not qualify for FHA or VA (indicator of substantial unaddressed defects)"
      ],
      "confidence": 0.94,
      "assumptions": [
        "No smoke detectors or CO alarms were visible in the photos; assume they are missing or not installed per NSPIRE placement until confirmed.",
        "Appliances (range, refrigerator) are not shown and likely missing or not guaranteed to be functional; assume at least stove/range may be absent or need repair.",
        "Thermostat and supply/return grille indicate a forced-air HVAC system exists but its operational status is unknown.",
        "Ceiling stains represent active or recent water intrusion (roof or plumbing) that will require investigation and repair.",
        "Electrical panel condition and presence of required GFCI protection at kitchen/bath outlets are unknown; assume some outlet upgrades may be needed.",
        "No rental history in last 5 years; rental_history_activity criterion excluded from overall score."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 46.5,
      "rubric_version": "1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8402726492"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.