Property ID: 8434414098

4305 41st Ave N, Birmingham, AL, 35217

Birmingham, AL

For Sale Feb 16, 2026 03:11 AM UTC Realtor Zillow Street View
Money Down: $21,096 CoC Return: 20.51% Monthly Cash Flow: $361
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,580
Closing Costs
$3,516
Total Down
$21,096
Primary property image

Investment Snapshot

Purchase Price
$87,900
Money Down
$21,096
Cash-on-Cash Return
20.51%
Rent
$973
Monthly Cash Flow
$361
Annual Cash Flow
$4,327
Debt Service / Mo
$468
Property Tax / Mo
$1
Insurance / Mo
$46

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$973
Payment Standard
$1,419
Rent
$973
Insurance
$46
Property Tax
$1
Management
$97
Utilities Allowance
$446
NOI (Monthly)
$828
Debt Service
$468
Cash Flow After Debt
$361

Quality Score: 74.30%

Confidence: 90.00%

This 3-bed/1-bath single-family property appears largely renovated and close to Section 8 / NSPIRE ready. Cosmetic updates, new-looking roof (listing), flooring, paint and an updated kitchen reduce immediate work. Primary remaining inspection items are verification tasks: confirm operational HVAC, hot water, electrical panel condition, presence/operation of CO detector, GFCI protection in kitchen/bath, and bedroom window egress dimensions. Missing kitchen appliances (stove/refrigerator) are a moderate, easy-to-remediate issue. Overall this property is likely rent-ready with minor items addressed within 1–4 weeks, and should pass an initial HCV inspection once the noted verifications/ minor fixes are completed.

Section 8 Payment Standard
$1,419
Utility Allowance Total
$446
Guaranteed Section 8 Rent (PS - Utilities)
$973
Property Management
$97

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$87,900
Beds
3
Baths
1
Living Area
864 sqft
Lot Size
7,405 sqft
Year Built
1958
Days on Market
33
Capital Outlay
$21,096
Debt Service
$468
Property Tax / Mo
$1
Insurance / Mo
$46

Property Description

What an awesome find under 100k!!! This newly update home is complete with updated kitchen with subway tile backsplash, new hardwood like flooring throughout, freshly painted and best of all new roof!!! The backyard is fenced and large enough for all you outdoor gatherings! -- NO BLIND OFFERS.

Utility Allowances

Heating
$38
Natural Gas heating was inferred from the explicit mention of a 'Gas Water Heater'. The 'N'Gas: Spire' option was selected as Spire is a major regional provider.
Water Heating
$35
Property info explicitly lists a 'Gas Water Heater'. The 'N'Gas: Spire' option was selected as Spire is a major regional provider.
Cooking
$21
Property info explicitly lists an 'Electric Stove'. The 'Elec: Ala Power' option was chosen as it is a major regional provider and the more expensive electric option on the schedule.
Cooling
$22
Property info lists 'Central Air'. 'A/C: Alabama Power' was selected as a major regional provider and the more expensive electric option.
Other Electric
$68
Standard utility for lights and outlets. The provided refrigerator is included in this line item per the schedule's naming convention ('Lights, Ref, Etc.'). 'Ala Power' is assumed as the provider and is the most expensive option.
Range/Microwave
$6
A microwave was not listed as a provided appliance, so it is assumed to be tenant-owned, warranting the allowance.
Water
$78
Property info lists 'Public Water'. The 'Water: Birmingham' option was selected as the property is located in Birmingham.
Sewer
$151
Property info states the property is 'Sewer Connected'.
Trash Collection
$27
A standard utility for a single-family home. The 'Tarrant City ISCL' option was selected as the property's area is described as including 'Tarrant'.

Source References

Payment Standard Source
Effective Date: Jan 01, 2026
Utility Allowance Source
Effective Date: Jan 01, 2026

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$425
DP3 Annual Estimate$679
DP1 Monthly Equivalent$35
DP3 Monthly Equivalent$57
Replacement Value$36,400
Basis864 sqft / 1958

Nearby Houses

Nearby house 1
Photo unavailable

4252 40th Ct N

for_sale · 0.03 mi
Price: $39,000
3 bd / 1 ba · 864 sqft
Latest sale: $45,000
Latest rent: —
Nearby house 2
Photo unavailable

4244 41st Ave N

sold · 0.05 mi
Price: $5,100
2 bd / 1 ba
Latest sale: $5,100 on Jul 01, 2016
Latest rent: —
Nearby house 3
Photo unavailable

4234 40th Ct N

sold · 0.06 mi
Price: $16,000
2 bd / 1 ba · 912 sqft
Latest sale: $16,000 on Jul 20, 2018
Latest rent: —
Nearby house 4
Photo unavailable

4324 41st Ave N

sold · 0.07 mi
Price: $65,000
3 bd / 1 ba · 864 sqft
Latest sale: $65,000 on Oct 31, 2022
Latest rent: $750 on May 10, 2019
Photo unavailable

4309 40th Ct N

sold · 0.08 mi
Price: $28,000
4 bd / 1 ba · 972 sqft
Latest sale: $28,000 on Feb 16, 2018
Latest rent: —
Nearby house 6
Photo unavailable

4221 41st Ave N

sold · 0.08 mi
Price: $56,000
3 bd / 1 ba · 1,872 sqft
Latest sale: $56,000 on Jun 08, 2021
Latest rent: $875 on Nov 02, 2022
Nearby house 7
Photo unavailable

4220 40th Ct N

sold · 0.08 mi
Price: $92,000
3 bd / 1 ba · 948 sqft
Latest sale: $92,000 on Mar 14, 2023
Latest rent: $1,200 on Feb 11, 2026
Nearby house 8
Photo unavailable

4235 40th Ct N

sold · 0.09 mi
Price: $10,000
3 bd / 1 ba · 1,120 sqft
Latest sale: $10,000 on Nov 20, 2023
Latest rent: $1,300 on Apr 12, 2024
Nearby house 9
Photo unavailable

4231 40th Ct N

sold · 0.09 mi
Price: $33,000
3 bd / 1 ba · 1,072 sqft
Latest sale: $33,000 on Nov 13, 2020
Latest rent: —
Nearby house 10
Photo unavailable

4228 42nd Ave N

for_sale · 0.10 mi
Price: $30,000
2 bd / 1 ba · 750 sqft
Latest sale: $258,938 on Apr 22, 2010
Latest rent: —
Nearby house 11
Photo unavailable

4232 40th Ave N

sold · 0.10 mi
Price: $33,000
3 bd / 1 ba · 912 sqft
Latest sale: $33,000 on Mar 09, 2021
Latest rent: —
Nearby house 12
Photo unavailable

4009 44th St N

sold · 0.11 mi
Price: $85,000
3 bd / 1 ba · 1,064 sqft
Latest sale: $85,000 on Oct 01, 2025
Latest rent: —
Nearby house 13
Photo unavailable

4000 44th St N

sold · 0.11 mi
Price: $38,500
3 bd / 2 ba · 1,408 sqft
Latest sale: $38,500 on May 05, 2022
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Listing statement 'new roof' is accurate and photos are consistent with a recent roof replacement.
  • Central HVAC system is present and operational based on visible floor/ceiling registers and a wall thermostat, though full operation was not observed.
  • Hot water heater and electrical service/panel exist in the house but were not photographed; assumed functional unless inspection shows otherwise.
  • No stove or refrigerator are present in photos; landlord would need to provide or tenant-provide per lease—missing appliances are treated as moderate, not safety failures.
  • GFCI outlet protection at kitchen and bathroom locations is not visible in photos; assumed potentially missing and should be confirmed.
  • Carbon monoxide detector is not visible in photos; assumed to be absent until confirmed (required if fuel-burning equipment present).
  • Bedroom window egress sizes were not measured — assumed typical for a 1958 house but must be verified to meet egress requirements.
  • No active roof leaks, severe mold, structural sagging, or major foundation movement are present based on photos; such conditions would change the assessment if found on-site.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2013 $15 $49,800 $9,960
2011 $804 $56,800 $11,360
2010 $15 $56,800 $11,360
2009 $15 $56,800 $11,360
2008 $15 $58,000 $11,600
2007 $15 $56,200 $11,240

Sale History

DateEventPrice
2006-04-24 Sold $36,200

Photo Gallery

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    "loan_term_years": 30,
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    "monthly_cash_flow": 828.41,
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    "_utility_allowance": {
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      "effective_date": "2026-01-01"
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    "utility_allowances": [
      {
        "note": "Natural Gas heating was inferred from the explicit mention of a 'Gas Water Heater'. The 'N'Gas: Spire' option was selected as Spire is a major regional provider.",
        "utility": "Heating",
        "allowance": 38
      },
      {
        "note": "Property info explicitly lists a 'Gas Water Heater'. The 'N'Gas: Spire' option was selected as Spire is a major regional provider.",
        "utility": "Water Heating",
        "allowance": 35
      },
      {
        "note": "Property info explicitly lists an 'Electric Stove'. The 'Elec: Ala Power' option was chosen as it is a major regional provider and the more expensive electric option on the schedule.",
        "utility": "Cooking",
        "allowance": 21
      },
      {
        "note": "Property info lists 'Central Air'. 'A/C: Alabama Power' was selected as a major regional provider and the more expensive electric option.",
        "utility": "Cooling",
        "allowance": 22
      },
      {
        "note": "Standard utility for lights and outlets. The provided refrigerator is included in this line item per the schedule's naming convention ('Lights, Ref, Etc.'). 'Ala Power' is assumed as the provider and is the most expensive option.",
        "utility": "Other Electric",
        "allowance": 68
      },
      {
        "note": "A microwave was not listed as a provided appliance, so it is assumed to be tenant-owned, warranting the allowance.",
        "utility": "Range/Microwave",
        "allowance": 6
      },
      {
        "note": "Property info lists 'Public Water'. The 'Water: Birmingham' option was selected as the property is located in Birmingham.",
        "utility": "Water",
        "allowance": 78
      },
      {
        "note": "Property info states the property is 'Sewer Connected'.",
        "utility": "Sewer",
        "allowance": 151
      },
      {
        "note": "A standard utility for a single-family home. The 'Tarrant City ISCL' option was selected as the property's area is described as including 'Tarrant'.",
        "utility": "Trash Collection",
        "allowance": 27
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    "cash_on_cash_return": 0.57,
    "down_payment_amount": 17580.0,
    "property_tax_annual": 15.45,
    "property_tax_monthly": 1.29,
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    "utility_allowance_total": 446.0,
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    "runs": [
      {
        "summary": "This 3-bed/1-bath single-family property appears largely renovated and close to Section 8 / NSPIRE ready. Cosmetic updates, new-looking roof (listing), flooring, paint and an updated kitchen reduce immediate work. Primary remaining inspection items are verification tasks: confirm operational HVAC, hot water, electrical panel condition, presence/operation of CO detector, GFCI protection in kitchen/bath, and bedroom window egress dimensions. Missing kitchen appliances (stove/refrigerator) are a moderate, easy-to-remediate issue. Overall this property is likely rent-ready with minor items addressed within 1–4 weeks, and should pass an initial HCV inspection once the noted verifications/ minor fixes are completed.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 80.0,
            "rationale": "Photos and listing show a recent cosmetic refresh: new vinyl/laminate flooring throughout, fresh paint, updated kitchen cabinets and backsplash, and a roof described as new (photos consistent). Interior surfaces, trim and floors appear in good condition with no visible water stains or major drywall damage. Missing kitchen appliances (no stove/fridge visible) and a few exterior walkway cracks are present — these are moderate, easy-to-fix items and reduce the score slightly but do not indicate deferred structural repair."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risks (NSPIRE)",
            "score": 70.0,
            "rationale": "Visible positives: smoke detector is present inside near kitchen/living area; entry door appears secure and there are railings at front steps. No exposed electrical wiring, no visible roof leaks, no collapsed ceilings or major mold staining in photos. Unclear/absent items: no carbon monoxide detector visible (required where fuel-burning appliances present), GFCI protection at kitchen sink is not clearly identified, and bedroom egress window compliance cannot be confirmed from photos (bedroom windows appear small). These unknowns create moderate NSPIRE risk that should be verified before inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 75.0,
            "rationale": "Roof appears uniform and the listing states 'new roof' (photos consistent). HVAC registers and a wall thermostat are visible, indicating a central heating/cooling system likely present. Kitchen plumbing and sink fixtures look installed and in good cosmetic condition. Electrical panel and water heater are not shown; no obvious signs of electrical hazard visible in photos. Because some major system locations and condition (panel, water heater, appliance hookups, HVAC operational status) are unverified, the score is held slightly below turnkey."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 82.0,
            "rationale": "Exterior siding, windows and foundation block appear intact and recently painted. Front steps and handrails exist; yard is fenced per listing (backyard fence visible in side view). Walkway has surface cracking and slope across the yard which is a minor trip hazard; no standing water or obvious drainage failure is visible. Overall exterior appears maintained and free of visible structural movement or major deterioration."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Listing statement 'new roof' is accurate and photos are consistent with a recent roof replacement.",
          "Central HVAC system is present and operational based on visible floor/ceiling registers and a wall thermostat, though full operation was not observed.",
          "Hot water heater and electrical service/panel exist in the house but were not photographed; assumed functional unless inspection shows otherwise.",
          "No stove or refrigerator are present in photos; landlord would need to provide or tenant-provide per lease—missing appliances are treated as moderate, not safety failures.",
          "GFCI outlet protection at kitchen and bathroom locations is not visible in photos; assumed potentially missing and should be confirmed.",
          "Carbon monoxide detector is not visible in photos; assumed to be absent until confirmed (required if fuel-burning equipment present).",
          "Bedroom window egress sizes were not measured — assumed typical for a 1958 house but must be verified to meet egress requirements.",
          "No active roof leaks, severe mold, structural sagging, or major foundation movement are present based on photos; such conditions would change the assessment if found on-site."
        ],
        "overall_score": 77.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall the property appears to be in good cosmetic condition and mostly turnkey for a Section 8/HCV initial inspection after a few quick safety and equipment items are completed. Strengths: new roof (listing + photos), fresh paint, new flooring, updated kitchen, intact windows and foundation, fenced yard. Likely required pre-inspection items: install/verify smoke alarms per NSPIRE locations (inside bedrooms and outside sleeping areas), install a carbon monoxide alarm if fuel-burning equipment is present, verify/replace kitchen outlets with GFCI as required, and provide or install missing tenant appliances (stove/refrigerator) if the program/owner intends to provide them. Major structural, roofing, mold, or electrical hazard issues are not apparent in photos. Assuming systems (HVAC, water heater, electrical panel) are operational, this home is likely to pass an initial NSPIRE inspection after addressing the alarm and GFCI details and supplying basic appliances — estimated rent-ready timeline 1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 85.0,
            "rationale": "Photos and listing show recent cosmetic renovation: new-looking roof (listing also states new roof), fresh paint, new wood-look flooring throughout, updated kitchen backsplash and painted cabinets, intact countertops and double sink. Exterior paint and foundation block appear recently painted. Minor exterior walkway cracking and worn front steps but no severe deterioration visible. Major missing items: no stove or refrigerator visible in photos which lowers readiness moderately but is a capital-only/replaceable item. Overall few visible deferred maintenance items."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance (NSPIRE risk)",
            "score": 65.0,
            "rationale": "No outright life-threatening hazards visible (no collapsed ceilings, active leaks, exposed wiring, or major structural damage). A smoke alarm is visible in the interior photos (ceiling near kitchen), but there is no evidence of additional smoke alarms outside sleeping areas/inside each bedroom as required by NSPIRE. No carbon monoxide alarm is visible (required if there are fuel-burning appliances). GFCI protection at countertop outlets is not clearly visible in photos. Bedroom windows shown are small; bedroom egress adequacy cannot be confirmed and may be marginal for code/NSPIRE egress requirements. Entry has a metal security door and inner door with deadbolt, which is good for security. Overall some likely minor-to-moderate NSPIRE corrections will be needed (additional smoke/CO alarms, verify/retrofit GFCI where required, confirm egress sizes)."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical Integrity",
            "score": 70.0,
            "rationale": "Visible floor/ceiling vents and a wall thermostat indicate central HVAC ducting and a forced-air system likely present and operational, though the actual furnace/AC and hot-water heater are not pictured so their condition is assumed serviceable. Roof appears new and in good visible condition supporting system integrity. Kitchen plumbing fixtures (faucet, double sink) appear installed and in good condition; a washing-machine supply/drain stub is visible near the kitchen area. Electrical panel is not shown; no exposed wiring observed. Because major systems are not fully visible (water heater, furnace, electrical panel), I assume they are present and functional based on vents/thermostat and recent cosmetic rehab, but this introduces moderate uncertainty."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Front exterior looks maintained with fresh siding paint, landscaping trimmed, and a chain-link fence visible along the side/back yard per listing. Roof shingles look new and there are no visible roof leaks. Foundation appears intact (painted block) with no obvious major cracks. Walkway has some cracking and slope; front steps are serviceable with metal railings. Drainage issues or standing water are not visible in photos. Overall the exterior/site is functional with minor items (walkway cracks, limited front landscaping) to address."
          }
        ],
        "red_flags": [
          "Insufficient documented smoke alarms: only one smoke alarm visible; NSPIRE requires alarms in each sleeping room and outside sleeping areas.",
          "No visible carbon monoxide alarm (required if fuel-burning appliances or attached garage are present).",
          "Potential inadequate bedroom egress: bedroom window sizes look small in photos and should be measured to confirm compliance."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Listing statement and photos claiming a new roof are accurate; roof condition is acceptable.",
          "Central HVAC exists and is operational (inferred from visible vents and a thermostat) though the furnace/AC unit is not pictured.",
          "Water heater and electrical panel exist and are functional though not photographed.",
          "Bedrooms meet minimum sleeping-room sizes; however window egress dimensions are not confirmed and may need measurement.",
          "Appliances (stove, refrigerator) are not present in the photos and will need to be supplied or confirmed available prior to move-in.",
          "No active mold, significant hidden water intrusion, or major foundation movement exists beyond what is visible in photos."
        ],
        "overall_score": 75.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall this 3-bed, 1-bath single-family appears to have received a light rehab (new roof per listing, new flooring, paint, kitchen updates). Visible safety and cosmetic items are largely addressed; however several inspection-critical elements are unverified from photos: carbon monoxide detector, GFCI outlets, bedroom egress window compliance, operation/age of HVAC and water heater, and presence/operation of stove and refrigerator. With verification/installation of missing detectors, confirmation of mechanical operation, and provision or installation of required appliances, the home is likely to pass an initial HCV/NSPIRE inspection within ~30 days.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 78.0,
            "rationale": "Interior photos show recent cosmetic rehab: new-looking vinyl/laminate 'hardwood-like' flooring, fresh paint, updated kitchen cabinets and backsplash, countertops in good visual condition. Exterior photos and listing state a new roof. Minor deferred items: front walkway has surface cracking and front concrete/steps show wear; exterior trim and foundation paint need touch-up. No obvious major interior damage, stains, or collapsed elements. Stove/oven and refrigerator are not visible in photos (range hood present) — missing appliances reduce readiness moderately but are capital/easy-to-fix items."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risks (NSPIRE)",
            "score": 68.0,
            "rationale": "One smoke detector is visible (ceiling near kitchen). Entry door appears to have at least one lock and a security iron storm/door shown. No exposed wiring or visible electrical hazards in photos. No visible mold, active water stains, or sagging ceilings. Unverified items that could create inspection issues: carbon monoxide detector not visible, GFCI protection at kitchen outlets not confirmed, bedroom emergency egress window dimensions not verified (some bedrooms appear to have standard single windows but sizing/egress compliance cannot be confirmed from photos). Handrails/guardrails are present on front steps. Because critical safety items (CO, GFCI, egress window size) are not documented, score reduced for inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (roof, HVAC, plumbing, electrical)",
            "score": 66.0,
            "rationale": "Listing and photos indicate a new roof and rooftop shingles appear in good shape. Ceiling supply/registers and a thermostat/vent on wall are visible indicating central HVAC is present (operational status unknown). Kitchen plumbing fixtures and sink appear in good visual condition. Water heater, electrical panel, and furnace/AC equipment are not shown — their age and operation are unverified. Missing visible appliances (range/oven and refrigerator) reduce turnkey readiness but are not system failures. Because essential equipment locations were not photographed, mechanical score is moderate pending verification of water heater, service panel, and confirmed HVAC operation."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 74.0,
            "rationale": "Exterior photos show an intact siding/facade, painted block foundation, fenced backyard (listed), and a new-looking roof. Front steps and handrails exist. Yard slopes toward the street; drainage away from foundation not fully verifiable from photos. Walkway has cracking and wear. No signs of standing water, infestation, major foundation displacement, or collapsed structures visible. Overall exterior appears well maintained following a recent rehab."
          }
        ],
        "red_flags": [
          "No carbon monoxide detector visible in photos — may be required depending on fuel-burning appliances/garage.",
          "Stove/range and refrigerator not visible — tenant-ready appliances not confirmed.",
          "GFCI protection in kitchen (and bathroom) not visible/verified; GFCI absence can be a code failure.",
          "Bedroom egress (window opening dimensions) not verified — potential inspection issue if windows do not meet egress size.",
          "Water heater and electrical service panel not photographed/verified; unknown condition could cause inspection failures if non-compliant or in poor condition."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Listing statement that the roof is 'new' is accurate and photos corroborate a recently replaced roof.",
          "Visible HVAC supply registers and a thermostat/vent imply a central HVAC system is installed; operational status is unknown and assumed serviceable until proven otherwise.",
          "One visible smoke alarm is functional; additional detectors (in bedrooms or hallways) may be present but not shown — presence/placement must be confirmed to meet NSPIRE.",
          "Water heater and electrical service panel exist on property but were not photographed; their presence and safe operation are assumed but unverified.",
          "Bedrooms shown have windows that appear to be standard size; exact egress dimensions and opening mechanism are not verified from photos and are assumed to potentially meet code but must be measured.",
          "Missing major appliances (range/oven, refrigerator) are considered capital items to be provided by owner and are not treated here as immediate safety failures."
        ],
        "overall_score": 72.0,
        "rubric_version": "2026-02-16-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "4305 41st Ave N, Birmingham, AL, 35217",
    "aggregate": {
      "summary": "This 3-bed/1-bath single-family property appears largely renovated and close to Section 8 / NSPIRE ready. Cosmetic updates, new-looking roof (listing), flooring, paint and an updated kitchen reduce immediate work. Primary remaining inspection items are verification tasks: confirm operational HVAC, hot water, electrical panel condition, presence/operation of CO detector, GFCI protection in kitchen/bath, and bedroom window egress dimensions. Missing kitchen appliances (stove/refrigerator) are a moderate, easy-to-remediate issue. Overall this property is likely rent-ready with minor items addressed within 1–4 weeks, and should pass an initial HCV inspection once the noted verifications/ minor fixes are completed.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 81.0,
          "rationale": "Photos and listing show a recent cosmetic refresh: new vinyl/laminate flooring throughout, fresh paint, updated kitchen cabinets and backsplash, and a roof described as new (photos consistent). Interior surfaces, trim and floors appear in good condition with no visible water stains or major drywall damage. Missing kitchen appliances (no stove/fridge visible) and a few exterior walkway cracks are present — these are moderate, easy-to-fix items and reduce the score slightly but do not indicate deferred structural repair."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 77.0,
          "rationale": "Exterior siding, windows and foundation block appear intact and recently painted. Front steps and handrails exist; yard is fenced per listing (backyard fence visible in side view). Walkway has surface cracking and slope across the yard which is a minor trip hazard; no standing water or obvious drainage failure is visible. Overall exterior appears maintained and free of visible structural movement or major deterioration."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Risks (NSPIRE)",
          "score": 67.7,
          "rationale": "Visible positives: smoke detector is present inside near kitchen/living area; entry door appears secure and there are railings at front steps. No exposed electrical wiring, no visible roof leaks, no collapsed ceilings or major mold staining in photos. Unclear/absent items: no carbon monoxide detector visible (required where fuel-burning appliances present), GFCI protection at kitchen sink is not clearly identified, and bedroom egress window compliance cannot be confirmed from photos (bedroom windows appear small). These unknowns create moderate NSPIRE risk that should be verified before inspection."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
          "score": 70.3,
          "rationale": "Roof appears uniform and the listing states 'new roof' (photos consistent). HVAC registers and a wall thermostat are visible, indicating a central heating/cooling system likely present. Kitchen plumbing and sink fixtures look installed and in good cosmetic condition. Electrical panel and water heater are not shown; no obvious signs of electrical hazard visible in photos. Because some major system locations and condition (panel, water heater, appliance hookups, HVAC operational status) are unverified, the score is held slightly below turnkey."
        }
      ],
      "red_flags": [],
      "confidence": 0.9,
      "assumptions": [
        "Listing statement 'new roof' is accurate and photos are consistent with a recent roof replacement.",
        "Central HVAC system is present and operational based on visible floor/ceiling registers and a wall thermostat, though full operation was not observed.",
        "Hot water heater and electrical service/panel exist in the house but were not photographed; assumed functional unless inspection shows otherwise.",
        "No stove or refrigerator are present in photos; landlord would need to provide or tenant-provide per lease—missing appliances are treated as moderate, not safety failures.",
        "GFCI outlet protection at kitchen and bathroom locations is not visible in photos; assumed potentially missing and should be confirmed.",
        "Carbon monoxide detector is not visible in photos; assumed to be absent until confirmed (required if fuel-burning equipment present).",
        "Bedroom window egress sizes were not measured — assumed typical for a 1958 house but must be verified to meet egress requirements.",
        "No active roof leaks, severe mold, structural sagging, or major foundation movement are present based on photos; such conditions would change the assessment if found on-site."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 74.3,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8434414098"
  }
}

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