Property ID: 8427270470
1914 Fordham Pl, Terrytown, LA, 70056
Terrytown, LA
Money Down: $64,560
CoC Return: -2.49%
Monthly Cash Flow: $-134
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$53,800
Closing Costs
$10,760
Total Down
$64,560
Investment Snapshot
Purchase Price
$269,000
Money Down
$64,560
Cash-on-Cash Return
-2.49%
Rent
$1,696
Monthly Cash Flow
$-134
Annual Cash Flow
$-1,610
Debt Service / Mo
$1,432
Property Tax / Mo
$113
Insurance / Mo
$116
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$116
Property Tax
$113
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,298
Debt Service
$1,432
Cash Flow After Debt
$-134
Quality Score: 86.70%
Confidence: 94.00%
Property appears turnkey and highly likely to pass an initial HCV/NSPIRE inspection with minimal work. Recent comprehensive renovations (windows, electrical, plumbing, ductwork, water heater, new finishes) and clean, modern interiors indicate low deferred maintenance and sound systems. The main items to verify before inspection are presence/placement of functioning smoke and carbon monoxide detectors, GFCI protection at kitchen/bath outlets, and documentation of electrical/plumbing upgrades. No major structural or safety failures are evident in photos.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$269,000
Beds
3
Baths
1.5
Living Area
1,490 sqft
Lot Size
6,599 sqft
Year Built
1962
Days on Market
14
Capital Outlay
$64,560
Debt Service
$1,432
Property Tax / Mo
$113
Insurance / Mo
$116
Property Description
Fully renovated and move-in ready, this beautifully updated home features a clean, modern design with new luxury vinyl plank flooring, new sheetrock, fresh interior paint, and abundant natural light throughout. The updated kitchen offers custom cabinetry, stone countertops, and stainless-steel appliances, while both bathrooms have been fully renovated, updated vanities, and stone countertops, creating a sleek and modern feel. Spacious and functional layout includes a large primary bedroom, generous living areas, and a seamless flow designed for everyday comfort and entertaining. Major system upgrades include new windows, new insulation, new ductwork, updated plumbing and electrical, and a new water heater, providing comfort, efficiency, and peace of mind. Exterior improvements include fresh exterior paint, new gutters, new fence, new deck under covered patio, and a garage with a new garage door, and added storage and convenience. This turnkey property offers a low-maintenance lifestyle with quality updates inside and out, all in a convenient location.
Utility Allowances
Cooking
$12
Property information explicitly states 'Gas: Natural' and includes a 'Range/Oven', indicating a natural gas stove.
Heating
$70
Property information states 'Gas: Natural' is available, which is the most common and cost-effective heating fuel source for a single-family home.
Other Electric
$67
This is a standard allowance for general electricity usage (lights, outlets, non-cooking/heating appliances) and applies to all residential properties.
Sewer
$46
The property information explicitly lists 'Sewer: City'.
Trash Collection
$25
Trash collection is a standard municipal service for a single-family residence, inferred as a tenant-paid utility.
Water
$43
The property information explicitly lists 'Water Source: Public'.
Water Heating
$24
Property information states 'Gas: Natural' is available and mentions a 'new water heater', making natural gas the most probable and economical fuel source.
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$1,393
DP3 Annual Estimate$1,393
DP1 Monthly Equivalent$116
DP3 Monthly Equivalent$116
Replacement Value$60,900
Basis1,490 sqft / 1962
Nearby Houses
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for_sale · 0.04 mi
Price: $149,000
3 bd / 2 ba · 1,220 sqft
Latest sale: —
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1912 Cooper Rd
for_sale · 0.05 mi
Price: $215,000
3 bd / 2 ba · 1,584 sqft
Latest sale: —
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504 E Forest Lawn Dr
sold · 0.08 mi
Price: $134,900
3 bd / 2 ba · 1,078 sqft
Latest sale: —
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Photo unavailable
1921 Friedrica St
for_sale · 0.08 mi
Price: $145,000
3 bd / 2 ba · 1,221 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1918 Farmington Pl
off_market · 0.10 mi
Price: $190,000
3 bd / 2 ba · 1,360 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1912 Farmington Pl
off_market · 0.12 mi
Price: $1,750
4 bd / 2 ba · 1,450 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1932 Stumpf Blvd
for_sale · 0.17 mi
Price: $199,000
4 bd / 2 ba · 1,616 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Renovation claims in listing (new ductwork, updated electrical and plumbing, new water heater, new windows/gutters) are accurate and completed to code.
- Kitchen and laundry plumbing and fixtures are operational though not all plumbing fixtures are pictured.
- Smoke detectors and CO alarms may be installed but their presence and correct placement were not clearly visible in photos; assume they may need verification or minor installation.
- Electrical panel was updated or inspected during recent electrical work; visible exposed wiring was not observed.
- Bedrooms have code-compliant egress windows based on visible window size and ground-floor location.
- Roof has no active leaks; gutters were replaced per listing and no interior water stains are visible.
- No active pest infestation or severe mold present — none visible in photos; if hidden moisture exists it was not evident.
- Lead-based paint risk exists due to 1962 build year; assume typical disclosure/abatement requirements will apply if children under 6 occupy unit.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,314 | $98,800 | $9,880 |
| 2024 | $1,310 | $98,800 | $9,880 |
| 2023 | $1,298 | $99,300 | $9,930 |
| 2022 | $1,265 | $99,300 | $9,930 |
| 2021 | $1,192 | $99,300 | $9,930 |
| 2020 | $1,184 | $99,300 | $9,930 |
| 2019 | $1,214 | $99,300 | $9,930 |
| 2018 | $1,134 | $99,300 | $9,930 |
| 2017 | $1,087 | $99,300 | $9,930 |
| 2016 | $1,065 | $99,300 | $9,930 |
| 2015 | $1,091 | $99,300 | $9,930 |
| 2014 | $1,078 | $99,300 | $9,930 |
| 2013 | $1,041 | $99,300 | $9,930 |
| 2012 | $254 | $99,300 | $9,930 |
| 2011 | $262 | $100,000 | $10,000 |
| 2010 | $1,024 | $100,000 | $10,000 |
| 2009 | $1,024 | $100,000 | $10,000 |
| 2008 | $253 | — | $10,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-26 | Listed | $269,000 |
| 2023-10-27 | Sold | $0 |
| 2023-10-27 | Listing removed | $0 |
| 1981-06-01 | Sold | $0 |
Photo Gallery
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"rmn_listing_attribution": false
},
"property_id": "8427270470",
"generated_at": "2026-03-27T17:06:43.219268Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 86.7
},
"utility_allowance": {
"zip_code": "70056",
"home_photo": "https://ap.rdcpix.com/ce1e89004d6a5c21c2f5d5828fd691e0l-m3194989171s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 215200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1914-Fordham-Pl_Terrytown_LA_70056_M84272-70470",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 269000.0,
"loan_term_years": 30,
"annual_cash_flow": 15570.38,
"mortgage_monthly": 1431.73,
"payment_standard": 1983.0,
"total_amount_out": 53800.0,
"additional_photos": [
"https://ap.rdcpix.com/ce1e89004d6a5c21c2f5d5828fd691e0l-m1816550960s-w1280.jpg",
"https://ap.rdcpix.com/ce1e89004d6a5c21c2f5d5828fd691e0l-m1343804434s-w1280.jpg",
"https://ap.rdcpix.com/ce1e89004d6a5c21c2f5d5828fd691e0l-m1883022925s-w1280.jpg",
"https://ap.rdcpix.com/ce1e89004d6a5c21c2f5d5828fd691e0l-m2758006920s-w1280.jpg",
"https://ap.rdcpix.com/ce1e89004d6a5c21c2f5d5828fd691e0l-m1478872576s-w1280.jpg",
"https://ap.rdcpix.com/ce1e89004d6a5c21c2f5d5828fd691e0l-m1421345130s-w1280.jpg",
"https://ap.rdcpix.com/ce1e89004d6a5c21c2f5d5828fd691e0l-m3877101805s-w1280.jpg",
"https://ap.rdcpix.com/ce1e89004d6a5c21c2f5d5828fd691e0l-m495404781s-w1280.jpg",
"https://ap.rdcpix.com/ce1e89004d6a5c21c2f5d5828fd691e0l-m217023153s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 116.08,
"monthly_cash_flow": 1297.53,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property information explicitly states 'Gas: Natural' and includes a 'Range/Oven', indicating a natural gas stove.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "Property information states 'Gas: Natural' is available, which is the most common and cost-effective heating fuel source for a single-family home.",
"utility": "Heating",
"allowance": 70
},
{
"note": "This is a standard allowance for general electricity usage (lights, outlets, non-cooking/heating appliances) and applies to all residential properties.",
"utility": "Other Electric",
"allowance": 67
},
{
"note": "The property information explicitly lists 'Sewer: City'.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard municipal service for a single-family residence, inferred as a tenant-paid utility.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "The property information explicitly lists 'Water Source: Public'.",
"utility": "Water",
"allowance": 43
},
{
"note": "Property information states 'Gas: Natural' is available and mentions a 'new water heater', making natural gas the most probable and economical fuel source.",
"utility": "Water Heating",
"allowance": 24
}
],
"cash_on_cash_return": 0.29,
"down_payment_amount": 53800.0,
"property_tax_annual": 1353.42,
"property_tax_monthly": 112.79,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"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": -1610.39,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -134.2,
"cash_on_cash_return_after_debt": -0.03
},
"section8_assessment": {
"runs": [
{
"summary": "Property appears turnkey and highly likely to pass an initial HCV/NSPIRE inspection with minimal work. Recent comprehensive renovations (windows, electrical, plumbing, ductwork, water heater, new finishes) and clean, modern interiors indicate low deferred maintenance and sound systems. The main items to verify before inspection are presence/placement of functioning smoke and carbon monoxide detectors, GFCI protection at kitchen/bath outlets, and documentation of electrical/plumbing upgrades. No major structural or safety failures are evident in photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Photos and listing show a full recent renovation: new LVP flooring, fresh paint, new cabinetry and countertops, stainless appliances, new windows, new gutters, new deck, and new garage door. No visible cosmetic damage, stains, or deferred maintenance in images. Missing items that sometimes affect readiness (e.g., window coverings, small trim touch-ups) are minor and easily addressed. Overall turnkey presentation; missing appliances are not applicable (stainless fridge, range, dishwasher visible)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 85.0,
"rationale": "No obvious life-threatening hazards visible: ceilings intact, no visible water stains, no exposed wiring, stair/guardrail issues not evident. Bedrooms show windows likely providing egress and entry doors appear solid with modern locksets. Central HVAC vents present. However, smoke detectors and CO alarm locations are not clearly visible in photos (one small device visible in one room but not clearly a smoke alarm) and GFCI receptacles in kitchen/bath cannot be confirmed from images. Home built in 1962 — lead paint risk exists until proven otherwise (but interior painted and renovated). Based on recent full-system updates claimed, risk appears low but dependent on detector/GFCI installation and lead disclosure/abatement as required."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 88.0,
"rationale": "Listing explicitly states new ductwork, updated plumbing and electrical, and a new water heater. Interior photos show ceiling HVAC registers indicating central air. Kitchen appliances and electric range/microwave are present and appear modern. Electrical panel and water heater not pictured for direct confirmation. Roof condition not directly visible from photos but gutters are new per listing. Given the scope of claimed system upgrades and no visible signs of system distress, systems appear to be in good condition though final verification (panel, HVAC operation, hot water run-test) is advisable."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 90.0,
"rationale": "Exterior photos show fresh exterior paint, new gutters, a new garage door, a covered front porch and maintained yard. Concrete driveway has typical age-related surface wear but no active standing water or major trip hazards visible. New fence noted in listing. Foundation exposure and large cracks are not apparent in provided images. Overall exterior appears well maintained and low risk for immediate repair."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Renovation claims in listing (new ductwork, updated electrical and plumbing, new water heater, new windows/gutters) are accurate and completed to code.",
"Kitchen and laundry plumbing and fixtures are operational though not all plumbing fixtures are pictured.",
"Smoke detectors and CO alarms may be installed but their presence and correct placement were not clearly visible in photos; assume they may need verification or minor installation.",
"Electrical panel was updated or inspected during recent electrical work; visible exposed wiring was not observed.",
"Bedrooms have code-compliant egress windows based on visible window size and ground-floor location.",
"Roof has no active leaks; gutters were replaced per listing and no interior water stains are visible.",
"No active pest infestation or severe mold present — none visible in photos; if hidden moisture exists it was not evident.",
"Lead-based paint risk exists due to 1962 build year; assume typical disclosure/abatement requirements will apply if children under 6 occupy unit."
],
"overall_score": 88.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Property appears turnkey and likely to pass an initial HCV/NSPIRE inspection with minimal work. The home shows a comprehensive cosmetic and systems renovation (floors, kitchen/baths, windows, ductwork, plumbing, electrical, water heater). No visible life-safety hazards or structural issues in provided photos. Outstanding verification items for an inspector would be presence and placement of smoke/CO detectors, GFCI protection at wet-area receptacles, and proof of electrical panel condition and HVAC operation; these are likely satisfactory given the advertised upgrades but are not directly shown.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 90.0,
"rationale": "Photos and listing show a full cosmetic renovation: new luxury vinyl plank floors, fresh paint, new cabinetry and stone countertops, modern light fixtures, and stainless appliances (fridge, dishwasher, range, microwave). Exterior paint, new gutters, new garage door and deck are noted. No visible deferred maintenance, major stains, or damaged finishes in provided images. Minor concrete cracking on driveway and small lawn patch are easy-to-fix, capital-only items and do not meaningfully reduce habitability."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 85.0,
"rationale": "No visible life-threatening hazards in images: no exposed wiring, no collapsed ceilings, no visible mold, and interior finishes look clean and intact. Bedrooms have windows for egress and the rear has French doors. Front door appears to have a deadbolt. Smoke and CO detectors are not visible in photos; listing indicates full renovation and updated electrical which makes presence likely but not confirmed (assumed present). GFCI protection at kitchen/bath outlets and exact location/quantity of detectors are unverified. No sign of active leaks, severe foundation movement, or unsafe stairs/handrails."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 85.0,
"rationale": "Listing explicitly states major system upgrades: new windows, new insulation, new ductwork, updated plumbing and electrical, and a new water heater. Ceiling supply/return vents are visible, indicating central HVAC ductwork is present. New stainless steel appliances are shown in photos. Roof visible in exterior photo appears intact with no sagging. Electrical panel, water heater location and actual operation of HVAC are not shown but listing claims updates; based on visual evidence and recent renovation claims, systems risk is low but not fully verifiable remotely."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 88.0,
"rationale": "Exterior photo shows fresh paint, a covered front porch, new garage door, gutters, and maintained lawn. Property appears level with appropriate yard fencing mentioned in listing. Driveway shows some cracking and minor surface wear (cosmetic). No visible drainage/standing water, major siding damage, or significant roof problems in the image set. New deck under covered patio and new fence are listed (not fully visible) and reduce exterior risk."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statements about new systems (ductwork, electrical, plumbing, water heater, windows) are accurate and reflect completed work.",
"Central HVAC is present and operational (ceiling vents visible in multiple rooms).",
"Smoke detectors and any required carbon monoxide detectors are installed per code even though they are not visible in photos.",
"Electrical panel is intact and wiring meets code; no exposed wiring exists inside walls (none visible in photos).",
"No hidden active roof leaks, major foundation movement, or severe mold are present; exterior and interior photos show no signs of these conditions.",
"Kitchen appliances shown are in working order; dishwasher, range, microwave and fridge are present as photographed."
],
"overall_score": 87.0,
"rubric_version": "ns_prep_v1"
},
{
"summary": "Based on the listing and photos this single-family home appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection after routine verification. The house shows a comprehensive renovation (new flooring, drywall/paint, windows, kitchen & baths, ductwork, plumbing/electrical work, and new water heater). Main inspection risks are documentation/verification items and a few unseen safety devices: smoke/CO alarm locations, GFCI protection, and electrical panel compliance. No visible structural, roof, or major mechanical red flags were observed. Recommend confirming presence and operation of smoke and CO alarms, GFCI protection in kitchen/bath, electrical panel labeling and breaker integrity, and functioning HVAC and hot water on inspection day.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Photos and listing show a full interior renovation: new luxury vinyl plank flooring, new sheetrock/paint, upgraded kitchen and baths, and installed stainless-steel appliances. No visible peeled paint, water stains, flooring damage, or visible deferred maintenance. Exterior paint, new gutters, new garage door and new deck are shown. Minor driveway staining and hairline surface cracks visible at front approach but cosmetic. Missing appliances are not an issue here (stove/refrigerator/dishwasher present). Overall appears turnkey with only routine wear items possible."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 78.0,
"rationale": "No obvious life-threatening hazards in photos: ceilings intact, no visible exposed wiring, no sagging or active water stains, and entry door appears to have deadbolt hardware. Bedrooms show adequate windows for egress. However, smoke and carbon monoxide alarms are not visible in the photos; GFCI outlets and electrical panel are not shown. Attached garage is present (CO alarm consideration). Because these required safety devices and panel details are not visible, a conservative deduction was applied despite the overall clean renovation. No visible mold, major trip hazards, handrail failures, or structural issues observed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 85.0,
"rationale": "Listing states major system upgrades: updated electrical and plumbing, new ductwork, new insulation, and a new water heater. Ceiling supply/return vents visible indicate central HVAC served by ductwork. Appliances (electric range, microwave, dishwasher, fridge) present. No photos of the electrical panel, HVAC equipment, or water heater, so functionality is assumed per listing. Given the recent renovation claims and visible vents/fixtures, systems appear in good condition but require verification of operational status and labeling on inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 88.0,
"rationale": "Exterior photos show a well-maintained painted facade, covered front porch, garage with new door, and a concrete driveway. Lawn is maintained; fence and new gutters are reported in listing. No visible foundation separation, major grading/drainage issues, or standing water in photos. Some minor driveway surface wear present but not a safety concern. Overall exterior appears recently improved and acceptable for tenancy."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing text is accurate about system upgrades (new ductwork, updated plumbing and electrical, new water heater).",
"Central HVAC unit is present and functional (ceiling vents visible) though the outdoor unit is not pictured.",
"Kitchen appliances shown in photos are included and operational.",
"Smoke detectors and carbon monoxide alarms were installed during renovation even though they are not visible in photos.",
"GFCI protection for kitchen and bathrooms was installed during electrical updates though not visible in photos.",
"No active roof leaks, severe mold, or hidden water intrusion exist beyond what is visible—renovation likely addressed prior issues.",
"No major foundation movement or structural sagging is present; exterior and interior photos show level walls and ceilings.",
"Because the home was built in 1962 (pre-1978), lead-based paint risk exists historically but no peeling/deficient paint is visible after renovation."
],
"overall_score": 85.0,
"rubric_version": "2026-03-NSPIRE-1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1914 Fordham Pl, Terrytown, LA, 70056",
"aggregate": {
"summary": "Property appears turnkey and highly likely to pass an initial HCV/NSPIRE inspection with minimal work. Recent comprehensive renovations (windows, electrical, plumbing, ductwork, water heater, new finishes) and clean, modern interiors indicate low deferred maintenance and sound systems. The main items to verify before inspection are presence/placement of functioning smoke and carbon monoxide detectors, GFCI protection at kitchen/bath outlets, and documentation of electrical/plumbing upgrades. No major structural or safety failures are evident in photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 89.3,
"rationale": "Photos and listing show a full recent renovation: new LVP flooring, fresh paint, new cabinetry and countertops, stainless appliances, new windows, new gutters, new deck, and new garage door. No visible cosmetic damage, stains, or deferred maintenance in images. Missing items that sometimes affect readiness (e.g., window coverings, small trim touch-ups) are minor and easily addressed. Overall turnkey presentation; missing appliances are not applicable (stainless fridge, range, dishwasher visible)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 88.7,
"rationale": "Exterior photos show fresh exterior paint, new gutters, a new garage door, a covered front porch and maintained yard. Concrete driveway has typical age-related surface wear but no active standing water or major trip hazards visible. New fence noted in listing. Foundation exposure and large cracks are not apparent in provided images. Overall exterior appears well maintained and low risk for immediate repair."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 82.7,
"rationale": "No obvious life-threatening hazards visible: ceilings intact, no visible water stains, no exposed wiring, stair/guardrail issues not evident. Bedrooms show windows likely providing egress and entry doors appear solid with modern locksets. Central HVAC vents present. However, smoke detectors and CO alarm locations are not clearly visible in photos (one small device visible in one room but not clearly a smoke alarm) and GFCI receptacles in kitchen/bath cannot be confirmed from images. Home built in 1962 — lead paint risk exists until proven otherwise (but interior painted and renovated). Based on recent full-system updates claimed, risk appears low but dependent on detector/GFCI installation and lead disclosure/abatement as required."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 86.0,
"rationale": "Listing explicitly states new ductwork, updated plumbing and electrical, and a new water heater. Interior photos show ceiling HVAC registers indicating central air. Kitchen appliances and electric range/microwave are present and appear modern. Electrical panel and water heater not pictured for direct confirmation. Roof condition not directly visible from photos but gutters are new per listing. Given the scope of claimed system upgrades and no visible signs of system distress, systems appear to be in good condition though final verification (panel, HVAC operation, hot water run-test) is advisable."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Renovation claims in listing (new ductwork, updated electrical and plumbing, new water heater, new windows/gutters) are accurate and completed to code.",
"Kitchen and laundry plumbing and fixtures are operational though not all plumbing fixtures are pictured.",
"Smoke detectors and CO alarms may be installed but their presence and correct placement were not clearly visible in photos; assume they may need verification or minor installation.",
"Electrical panel was updated or inspected during recent electrical work; visible exposed wiring was not observed.",
"Bedrooms have code-compliant egress windows based on visible window size and ground-floor location.",
"Roof has no active leaks; gutters were replaced per listing and no interior water stains are visible.",
"No active pest infestation or severe mold present — none visible in photos; if hidden moisture exists it was not evident.",
"Lead-based paint risk exists due to 1962 build year; assume typical disclosure/abatement requirements will apply if children under 6 occupy unit."
],
"score_method": "mean_of_criteria",
"overall_score": 86.7,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8427270470"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.