3469 Virginia Dr, Hueytown, AL, 35023
Hueytown, AL
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 71.10%
Confidence: 89.00%
Overall this 3-bed bungalow appears largely rent-ready for a Housing Choice Voucher/NSPIRE inspection with minor, mostly cosmetic and code‑verification items. The property shows updated cabinets, working kitchen appliances, intact siding, and an apparently sound roof and HVAC (both reported replaced in 2009). Prior to an HCV inspection the owner/manager should verify and/or install working smoke and CO detectors, confirm GFCI protection at wet locations, add/verify a deadbolt on the entry door, perform a deck/step safety check and fastener repairs, trim vegetation away from the foundation, and confirm operation of water heater and HVAC. With those quick items addressed, likelihood of passing an initial inspection is good — expected rent‑ready timeline 1–4 weeks depending on verification and small repairs.
Property Fundamentals
Property Description
Charming 1950 Bungalow in Hueytown School District - $137,500 Step into character and comfort with this delightful 1950 bungalow, offering a blend of timeless charm and thoughtful updates. Nestled on a private lot with ample parking, this home welcomes you with its classic vinyl exterior and inviting curb appeal. Inside, you'll find many original details preserved, alongside modern updates including refreshed kitchen cabinetry, newer appliances, and updated flooring. The full bath was renovated in 2012, adding a fresh touch while still complementing the home's vintage feel. Per records, the roof was replaced in 2009 and the HVAC in 2009 as well, providing peace of mind for years to come. Whether you're relaxing in the cozy living spaces, cooking up meals in the updated kitchen, or enjoying the privacy of your own lot, this property is ready to call home. All this, in the desirable Hueytown School District, at a price you can't ignore!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior bedrooms and bathroom meet minimum size and egress requirements though bedroom windows were not photographed.
- Smoke detectors and carbon monoxide alarms are not visible in photos and should be assumed absent until verified.
- GFCI protection at kitchen and bathroom outlets is unknown and may be required.
- Roof and HVAC replaced in 2009 per listing are assumed operational but near mid/late life — no visible active leaks.
- Water heater, furnace, and other behind‑wall systems are assumed present but unknown condition and should be tested.
- No recent rental history in the last 5 years; rental_history_activity excluded from scoring.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $491 | $104,100 | $10,420 |
| 2023 | $429 | $80,100 | $8,020 |
| 2022 | $424 | $79,400 | $7,940 |
| 2021 | $349 | $66,900 | $6,700 |
| 2020 | $313 | $60,900 | $6,100 |
| 2019 | $313 | $60,900 | $6,100 |
| 2018 | $261 | $52,400 | $5,240 |
| 2017 | $258 | $51,700 | $5,180 |
| 2016 | $241 | $48,900 | $4,900 |
| 2015 | $258 | $51,700 | $5,180 |
| 2013 | $258 | $48,900 | $4,900 |
| 2012 | $257 | $50,900 | $5,090 |
| 2011 | $262 | $51,700 | $5,170 |
| 2010 | $262 | $51,700 | $5,170 |
| 2009 | $262 | $51,700 | $5,170 |
| 2008 | $649 | $52,800 | $10,560 |
| 2007 | $583 | $47,300 | $9,460 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-15 | Price Changed | $129,900 |
| 2025-09-29 | Listed | $137,500 |
| 2024-02-29 | Sold | $118,000 |
| 2023-12-05 | Price Changed | $112,000 |
| 2023-11-26 | Listed | $145,000 |
Photo Gallery
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"total": 9460,
"building": 8200
}
}
],
"property_history": [
{
"date": "2026-02-15",
"price": 129900,
"listing": {
"status": "for_sale",
"list_date": "2025-09-29T21:22:42Z",
"list_price": 129900,
"listing_id": "2986861207",
"last_update_date": "2026-02-16T01:32:26Z",
"last_status_change_date": "2025-09-29T21:22:42Z"
},
"event_name": "Price Changed",
"price_sqft": 88.79015721120984,
"source_name": "GreaterAlabamaMLS",
"price_change": -7600,
"days_after_listed": null,
"source_listing_id": "21432674",
"price_change_percentage": null
},
{
"date": "2025-09-29",
"price": 137500,
"listing": {
"status": "for_sale",
"list_date": "2025-09-29T21:22:42Z",
"list_price": 129900,
"listing_id": "2986861207",
"last_update_date": "2026-02-16T01:32:26Z",
"last_status_change_date": "2025-09-29T21:22:42Z"
},
"event_name": "Listed",
"price_sqft": 93.98496240601504,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21432674",
"price_change_percentage": "+16.53%"
},
{
"date": "2024-02-29",
"price": 118000,
"listing": {
"status": "sold",
"list_date": "2023-11-26T22:24:27Z",
"list_price": 112000,
"listing_id": "2961970682",
"last_update_date": "2024-03-01T14:55:13Z",
"last_status_change_date": "2024-03-01T15:20:33Z"
},
"event_name": "Sold",
"price_sqft": 80.65618591934381,
"source_name": "GreaterAlabamaMLS",
"price_change": 6000,
"days_after_listed": "95 days",
"source_listing_id": "21371397",
"price_change_percentage": "-18.62%"
},
{
"date": "2023-12-05",
"price": 112000,
"listing": {
"status": "sold",
"list_date": "2023-11-26T22:24:27Z",
"list_price": 112000,
"listing_id": "2961970682",
"last_update_date": "2024-03-01T14:55:13Z",
"last_status_change_date": "2024-03-01T15:20:33Z"
},
"event_name": "Price Changed",
"price_sqft": 76.55502392344498,
"source_name": "GreaterAlabamaMLS",
"price_change": -33000,
"days_after_listed": null,
"source_listing_id": "21371397",
"price_change_percentage": null
},
{
"date": "2023-11-26",
"price": 145000,
"listing": {
"status": "sold",
"list_date": "2023-11-26T22:24:27Z",
"list_price": 112000,
"listing_id": "2961970682",
"last_update_date": "2024-03-01T14:55:13Z",
"last_status_change_date": "2024-03-01T15:20:33Z"
},
"event_name": "Listed",
"price_sqft": 99.11141490088859,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21371397",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8415173928",
"generated_at": "2026-02-16T01:48:57.695393Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 71.1
},
"utility_allowance": {
"zip_code": "35023",
"home_photo": "https://ap.rdcpix.com/3d4e14963bc5d4a2da0013979d540097l-m3381412049s-w1280.jpg",
"rent_price": 1451.0,
"loan_amount": 103920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3469-Virginia-Dr_Hueytown_AL_35023_M84151-73928",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 129900.0,
"loan_term_years": 30,
"annual_cash_flow": 14285.57,
"mortgage_monthly": 691.38,
"payment_standard": 1760.0,
"total_amount_out": 25980.0,
"additional_photos": [
"https://ap.rdcpix.com/3d4e14963bc5d4a2da0013979d540097l-m3601792788s-w1280.jpg",
"https://ap.rdcpix.com/3d4e14963bc5d4a2da0013979d540097l-m1121957681s-w1280.jpg",
"https://ap.rdcpix.com/3d4e14963bc5d4a2da0013979d540097l-m4143191511s-w1280.jpg",
"https://ap.rdcpix.com/3d4e14963bc5d4a2da0013979d540097l-m1811283349s-w1280.jpg",
"https://ap.rdcpix.com/3d4e14963bc5d4a2da0013979d540097l-m1459964680s-w1280.jpg",
"https://ap.rdcpix.com/3d4e14963bc5d4a2da0013979d540097l-m3872417722s-w1280.jpg",
"https://ap.rdcpix.com/3d4e14963bc5d4a2da0013979d540097l-m3343007677s-w1280.jpg",
"https://ap.rdcpix.com/3d4e14963bc5d4a2da0013979d540097l-m3283997431s-w1280.jpg",
"https://ap.rdcpix.com/3d4e14963bc5d4a2da0013979d540097l-m2561193189s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 73.29,
"monthly_cash_flow": 1190.46,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has 'Gas Heat'. Selected 'N'Gas: Spire' as it's a major regional provider. Allowance is for the 3BR rate.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property has 'Central (COOL)' which is electric. Selected 'A/C: Alabama Power' as the major electric provider in the area. Allowance is for the 3BR rate.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has a 'Stove-Electric'. Selected 'Elec: Ala Power' for consistency with other electric utilities. Allowance is for the 3BR rate.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property has an 'Electric (WTRHTR)' water heater. Selected 'Elec: Ala Power' for consistency. Allowance is for the 3BR rate.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This covers general electric use like lights and outlets. Selected 'Lights, Ref, Etc.: Ala Power' for consistency. Allowance is for the 3BR rate.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has 'Public Water'. Selected 'Water: Birmingham' as Birmingham Water Works serves the Hueytown area. Allowance is for the 3BR rate.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is listed as having a 'Septic' system, so no public sewer allowance is provided.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Trash provider not specified. Selected 'Jefferson City (Once per week)' as a reasonable default for Jefferson County. Allowance is for the 3BR rate.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property listing states a 'Refrigerator' is provided, so no allowance for a tenant-owned refrigerator is needed.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A microwave is not mentioned as a provided appliance. Per the rules, this is treated as a tenant-owned utility. This is a fixed rate.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.55,
"down_payment_amount": 25980.0,
"property_tax_annual": 505.73,
"property_tax_monthly": 42.14,
"property_tax_increase": 0.03,
"utility_allowance_total": 309.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 5988.98,
"property_management_monthly": 145.1,
"monthly_cash_flow_after_debt": 499.08,
"cash_on_cash_return_after_debt": 0.23
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3-bed bungalow appears largely rent-ready for a Housing Choice Voucher/NSPIRE inspection with minor, mostly cosmetic and code‑verification items. The property shows updated cabinets, working kitchen appliances, intact siding, and an apparently sound roof and HVAC (both reported replaced in 2009). Prior to an HCV inspection the owner/manager should verify and/or install working smoke and CO detectors, confirm GFCI protection at wet locations, add/verify a deadbolt on the entry door, perform a deck/step safety check and fastener repairs, trim vegetation away from the foundation, and confirm operation of water heater and HVAC. With those quick items addressed, likelihood of passing an initial inspection is good — expected rent‑ready timeline 1–4 weeks depending on verification and small repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 80.0,
"rationale": "Exterior and interior photos show a well-maintained bungalow with vinyl siding, intact roofline, painted/updated kitchen cabinets, laminate flooring and working appliances (stove, dishwasher shown). Minor deferred maintenance visible: leaf/debris accumulation on driveway and yards, overgrown shrubs close to foundation, weathered exterior steps/deck that likely need staining/fastener checks, and some scattered loose landscaping stones. No visible collapsed ceilings, major drywall damage, or exposed subfloor. Missing small cosmetic items (trim touch-ups, deck maintenance) are easy repairs; presence of appliances reduces penalty. Overall appears cosmetically sound with only minor repairs needed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No immediate life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed high-voltage wiring). Exterior stairs have handrails in place. Electrical panel is visible in the kitchen area and appears intact. However several NSPIRE items cannot be confirmed from photos: smoke detectors and carbon monoxide alarms are not visible (likely need verification/installation), GFCI protection at kitchen sink outlets is not visible (could be required), bedroom egress windows are not shown, and a deadbolt on the entry door is not clearly visible. Vegetation close to foundation could cause moisture over time. These uncertainties reduce the score but are generally fixable before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Listing states roof and HVAC were replaced in 2009; photos show intact shingles and typical central HVAC exterior components (meter/lines visible). Electrical panel is present inside and appears covered. Kitchen plumbing fixtures and dishwasher are shown and appear functional. Water heater and furnace condition are not visible and should be verified; at ~15+ years age, both roof and HVAC are mid‑to‑later life but not necessarily failing. No signs of active leaks, roof staining, or plumbing failure were observed in photos. Overall systems appear functional but require verification of operation and service history."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "The lot provides ample parking, a paved driveway in generally good condition, a storage shed, and private feeling yard. Vinyl siding and foundation look intact with crawlspace venting visible. Some landscaping is overgrown and leaf/debris cover is present on walks and drive, and some shrubs are close to walls which may need trimming. The wooden deck and steps show weathering and should be inspected for loose fasteners/rot. No visible foundation cracking, major settling, or severe site drainage issues were observed from photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior bedrooms and bathroom meet minimum size and egress requirements though bedroom windows were not photographed.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and should be assumed absent until verified.",
"GFCI protection at kitchen and bathroom outlets is unknown and may be required.",
"Roof and HVAC replaced in 2009 per listing are assumed operational but near mid/late life — no visible active leaks.",
"Water heater, furnace, and other behind‑wall systems are assumed present but unknown condition and should be tested.",
"No recent rental history in the last 5 years; rental_history_activity excluded from scoring."
],
"overall_score": 74.0,
"rubric_version": "2026-NSPIRE-1.0"
},
{
"summary": "This 1950 bungalow appears generally sound and close to Section 8 rent-ready with mostly cosmetic and routine maintenance required. The kitchen and floors are updated, the exterior siding and roof appear intact, and there are no visible structural failures. Primary inspection risks are missing/undocumented safety items (smoke/CO detectors, GFCI outlets) and the age of mechanical systems (roof/HVAC from 2009) which should be confirmed and serviced. With targeted fixes—install/verify detectors and GFCIs, perform deck and landscaping maintenance, confirm functioning HVAC and hot water—the property would likely pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Exterior and interior photos show a generally well-maintained bungalow with intact vinyl siding, painted deck and stairs, and updated kitchen cabinetry and flooring. Cosmetic deferred maintenance is limited to leaf/debris buildup on driveway/walkways, overgrown landscaping close to the foundation, and some weathering of the wooden deck/steps that will need sanding/paint and minor fastener work. Appliances visible include a range and dishwasher; no refrigerator is pictured (moderate impact only). No visible collapsed finishes, major drywall damage, or exposed subfloor. Overall repair needs are minor and mostly cosmetic/capital in nature."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards visible (no sagging ceilings, no standing water, no exposed major electrical wiring). However inspection risks exist because critical safety items are not visible in photos: smoke detectors and CO alarms are not shown (could be present but not confirmed), GFCI protection at kitchen outlets is not clearly evident, and the presence of a functioning deadbolt on exterior doors is unclear. Exterior stairs/handrails appear present but need maintenance. Vegetation abutting the foundation and leaf accumulation on paved surfaces increase slip/bug risks. These unknown/untagged items lower the safety score due to potential NSPIRE inspection failures if detectors/GFCIs are missing."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 70.0,
"rationale": "Listing states roof and HVAC were replaced in 2009; photos show a shingled roof in reasonable visual condition with no visible active leaks or major sagging. An HVAC system is presumed present per listing; no HVAC unit photo to verify external condition. Electrical panel is visible in the kitchen and appears intact (cover present). Plumbing fixtures at the kitchen sink appear functional; hot water system not shown. Given age of roof/HVAC (~2009), systems are serviceable but approaching middle/late life and would benefit from inspection/maintenance prior to tenancy. No visible major system failures."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 68.0,
"rationale": "Property sits on a private lot with ample paved parking and a detached shed. Siding, windows and foundation vents look intact. Driveway and paved areas show leaf/organic debris and some surface wear but no large sinkholes or standing water in photos. Landscaping is overgrown in places and shrubs are close to the house, which can affect drainage and pest entry if not trimmed. Deck and steps are usable but need maintenance. Fencing appears in place in portions. No visible evidence of severe foundation movement, active roof failure, or infestation in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Roof and HVAC were installed in 2009 per listing records; condition is inferred from photos and listing but no system service records were provided.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or not in locations required by NSPIRE unless confirmed.",
"GFCI protection for kitchen outlets is not clearly visible; assume at least some outlets may lack GFCI and should be tested/replaced as needed.",
"No refrigerator is shown in listing photos; assume a refrigerator may be missing and would be an easy-to-fix capital item but not an immediate safety failure.",
"Water heater location and condition were not photographed; assume hot water is present but recommend verification before tenancy.",
"Electrical panel is visible and appears intact but internal condition/labeling was not verified; assume service is typical for an older home and a quick electrician inspection is recommended.",
"Bedroom egress windows are assumed adequate based on window sizes visible, but bedrooms were not photographed to confirm exact egress compliance.",
"No interior photos of bathrooms were provided apart from listing note that bath was renovated in 2012; assume bathroom fixtures are functional but recommend on-site check for leaks and ventilation."
],
"overall_score": 69.0,
"rubric_version": "1.0"
},
{
"summary": "This 1950 bungalow appears generally well maintained and likely to pass an initial Housing Choice Voucher / NSPIRE inspection after routine verification and minor fixes. Major life-safety or structural failures are not visible in the photos. The largest inspection risk areas are absence of visible smoke/CO detectors and unverified GFCI protection and bedroom egress — these are usually quick fixes but must be confirmed before inspection. The HVAC and roof are original to 2009 and are aging; they may be operational now but could require servicing or eventual replacement. Expect the property to be rent-ready within ~30 days with verification and small corrective items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Overall condition and repair needs",
"score": 80.0,
"rationale": "Property photos show a well-kept bungalow with intact vinyl siding, intact windows, updated kitchen cabinets, laminate floors in good visible condition and an overall tidy interior. Appliances shown (range, dishwasher) are present; refrigerator not pictured but missing major appliances is not evident. Exterior deck and steps are serviceable but show cosmetic wear and would benefit from staining/spot repairs. Grounds need routine clean-up (leaves, trimming). No visible collapsed finishes or exposed subfloor. Overall repairs are largely cosmetic or small capital items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No life‑threatening hazards visible (no standing water, collapsed ceilings, or open electrical conductors). Handrails present at main steps. Electrical panel appears intact inside the kitchen area. However, photos do not show smoke detectors or carbon monoxide detectors; GFCI protection at sink is not verifiable from images. Bedroom egress windows are not clearly shown for all bedrooms. Vegetation close to the structure could conceal trip hazards or pest entry. Because key NSPIRE safety items (smoke/CO detectors, GFCI evidence, egress windows) are not verifiable from photos the property carries moderate inspection risk until confirmed."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, electrical, plumbing and mechanical systems",
"score": 60.0,
"rationale": "Listing notes roof and HVAC replaced in 2009 (about 17 years old) which suggests functional systems but approaching typical service life—possible upcoming replacement risk. Electrical panel is visible and appears closed; no exposed wiring observed. Plumbing fixtures (kitchen sink) appear intact in photos but water heater and its condition/age are not shown. No visible evidence of active leaks or major drainage failure. Overall systems are likely operational but age of HVAC/roof and lack of visual confirmation for hot water, tests of HVAC, and plumbing reduce score to moderate."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard condition",
"score": 75.0,
"rationale": "Exterior photos show sound vinyl siding, elevated foundation with crawlspace vents, and an intact asphalt driveway with ample parking and a detached shed. Landscaping is somewhat overgrown and leaf-covered in spots but no visible major foundation movement or wall sagging. Deck and porch are structurally present; some deck boards/stairs show cosmetic wear. Trees are close to the house which could increase debris on roof/gutters and require routine maintenance. No evidence of standing water or erosion seen in images."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Heating/AC system is present and operational (listing states HVAC replaced in 2009) though not tested in photos.",
"Water heater is present and functioning but its age and condition are not shown in photos.",
"Smoke detectors and carbon monoxide detectors are not visible in the photos; assume they are not confirmed and will need verification/installation if missing.",
"GFCI protection at kitchen sink/bathrooms is not visible; may be present as GFCI breaker or receptacle — requires on-site check.",
"Bedroom egress windows exist and meet size/egress requirements but cannot be confirmed from shown images.",
"No interior plumbing leaks, active mold, insect infestation, or hidden structural issues beyond what the photos show. If severe hidden issues exist, they would reduce scores.",
"Electrical panel is assumed to be properly labeled and secured since the cover is visible and closed in photos; interior condition not inspected.",
"Shed and deck are assumed structurally sound for normal use though deck needs cosmetic maintenance."
],
"overall_score": 70.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3469 Virginia Dr, Hueytown, AL, 35023",
"aggregate": {
"summary": "Overall this 3-bed bungalow appears largely rent-ready for a Housing Choice Voucher/NSPIRE inspection with minor, mostly cosmetic and code‑verification items. The property shows updated cabinets, working kitchen appliances, intact siding, and an apparently sound roof and HVAC (both reported replaced in 2009). Prior to an HCV inspection the owner/manager should verify and/or install working smoke and CO detectors, confirm GFCI protection at wet locations, add/verify a deadbolt on the entry door, perform a deck/step safety check and fastener repairs, trim vegetation away from the foundation, and confirm operation of water heater and HVAC. With those quick items addressed, likelihood of passing an initial inspection is good — expected rent‑ready timeline 1–4 weeks depending on verification and small repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.3,
"rationale": "Exterior and interior photos show a well-maintained bungalow with vinyl siding, intact roofline, painted/updated kitchen cabinets, laminate flooring and working appliances (stove, dishwasher shown). Minor deferred maintenance visible: leaf/debris accumulation on driveway and yards, overgrown shrubs close to foundation, weathered exterior steps/deck that likely need staining/fastener checks, and some scattered loose landscaping stones. No visible collapsed ceilings, major drywall damage, or exposed subfloor. Missing small cosmetic items (trim touch-ups, deck maintenance) are easy repairs; presence of appliances reduces penalty. Overall appears cosmetically sound with only minor repairs needed."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 72.7,
"rationale": "The lot provides ample parking, a paved driveway in generally good condition, a storage shed, and private feeling yard. Vinyl siding and foundation look intact with crawlspace venting visible. Some landscaping is overgrown and leaf/debris cover is present on walks and drive, and some shrubs are close to walls which may need trimming. The wooden deck and steps show weathering and should be inspected for loose fasteners/rot. No visible foundation cracking, major settling, or severe site drainage issues were observed from photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No immediate life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed high-voltage wiring). Exterior stairs have handrails in place. Electrical panel is visible in the kitchen area and appears intact. However several NSPIRE items cannot be confirmed from photos: smoke detectors and carbon monoxide alarms are not visible (likely need verification/installation), GFCI protection at kitchen sink outlets is not visible (could be required), bedroom egress windows are not shown, and a deadbolt on the entry door is not clearly visible. Vegetation close to foundation could cause moisture over time. These uncertainties reduce the score but are generally fixable before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 66.7,
"rationale": "Listing states roof and HVAC were replaced in 2009; photos show intact shingles and typical central HVAC exterior components (meter/lines visible). Electrical panel is present inside and appears covered. Kitchen plumbing fixtures and dishwasher are shown and appear functional. Water heater and furnace condition are not visible and should be verified; at ~15+ years age, both roof and HVAC are mid‑to‑later life but not necessarily failing. No signs of active leaks, roof staining, or plumbing failure were observed in photos. Overall systems appear functional but require verification of operation and service history."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Interior bedrooms and bathroom meet minimum size and egress requirements though bedroom windows were not photographed.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and should be assumed absent until verified.",
"GFCI protection at kitchen and bathroom outlets is unknown and may be required.",
"Roof and HVAC replaced in 2009 per listing are assumed operational but near mid/late life — no visible active leaks.",
"Water heater, furnace, and other behind‑wall systems are assumed present but unknown condition and should be tested.",
"No recent rental history in the last 5 years; rental_history_activity excluded from scoring."
],
"score_method": "mean_of_criteria",
"overall_score": 71.1,
"rubric_version": "2026-NSPIRE-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8415173928"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.