Property ID: 8437680264
516 W Marlin Ct, Terrytown, LA, 70056
Terrytown, LA
Money Down: $71,760
CoC Return: -5.77%
Monthly Cash Flow: $-345
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,800
Closing Costs
$11,960
Total Down
$71,760
Investment Snapshot
Purchase Price
$299,000
Money Down
$71,760
Cash-on-Cash Return
-5.77%
Rent
$1,888
Monthly Cash Flow
$-345
Annual Cash Flow
$-4,140
Debt Service / Mo
$1,591
Property Tax / Mo
$287
Insurance / Mo
$165
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,888
Payment Standard
$2,328
Rent
$1,888
Insurance
$165
Property Tax
$287
Management
$189
Utilities Allowance
$440
NOI (Monthly)
$1,246
Debt Service
$1,591
Cash Flow After Debt
$-345
Quality Score: 79.30%
Confidence: 91.00%
Overall this 4-bed, 2.5-bath single-family appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection with minimal work. The home shows recent cosmetic and mechanical updates (new flooring, paint, light fixtures, updated kitchen appliances, HVAC coils) and a well-maintained exterior. Primary inspection risk areas not visible in photos are smoke/CO detectors, GFCI protection at kitchen/bath, and verification of the electrical panel and water heater. If those devices/systems are present and operational, the property should be rent-ready within 1-2 weeks; if not, installing detectors/GFCIs and minor corrections should bring it into compliance quickly.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$440
Guaranteed Section 8 Rent (PS - Utilities)
$1,888
Property Management
$189
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,000
Beds
4
Baths
2.5
Living Area
2,123 sqft
Lot Size
—
Year Built
1980
Days on Market
98
Capital Outlay
$71,760
Debt Service
$1,591
Property Tax / Mo
$287
Insurance / Mo
$165
Property Description
This beautifully updated 4 bedroom, 2.5 bathroom home in Terrytown offers space, style, and comfort in all the right places. Freshly painted throughout and featuring new flooring upstairs, this home feels clean, bright, and move-in ready. New light fixtures add a modern touch in every room, while the security system is included for added peace of mind. The interior HVAC system has new coils, ensuring efficient comfort year-round. Out back, enjoy a fully fenced backyard with a spacious covered patio, great for entertaining, relaxing, or enjoying Louisiana evenings outdoors. With generous living space and thoughtful updates throughout, this home is ready to welcome its next owners.
Utility Allowances
Heating (Electric)
$158
Selected Electric as the fuel type for the central heating system is not specified, and Electric is a more expensive option than natural gas, providing a conservative estimate.
Other Electric
$77
Standard allowance for lighting and tenant-supplied appliances in a 4-bedroom home.
Cooking (Electric)
$19
Selected Electric as the cooking fuel is not specified, and it is the more expensive option compared to natural gas.
Water Heating (Electric)
$57
Selected Electric as the water heater fuel is not specified, and it is the more expensive option.
Water
$50
Property details state a public water source. This is the standard allowance for a 4-bedroom home.
Sewer
$54
Property details state city sewer service. This is the standard allowance for a 4-bedroom home.
Trash Collection
$25
Standard fixed allowance for trash collection for a single-family home.
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$1,985
DP3 Annual Estimate$1,985
DP1 Monthly Equivalent$165
DP3 Monthly Equivalent$165
Replacement Value$212,500
Basis2,123 sqft / 1980
Nearby Houses
Photo unavailable
506 W Marlin Ct
sold · 0.05 mi
Price: $89,000
3 bd / 2 ba · 1,702 sqft
Latest sale: —
Latest rent: —
Photo unavailable
552 Oakwood Dr
sold · 0.07 mi
Price: $249,000
3 bd / 2 ba · 1,995 sqft
Latest sale: — on Aug 19, 2021
Latest rent: —
Photo unavailable
544 W Marlin Ct
off_market · 0.08 mi
Price: $300,000
4 bd / 2 ba · 2,654 sqft
Latest sale: — on Feb 09, 2015
Latest rent: —
Photo unavailable
564 Oakwood Dr
off_market · 0.09 mi
Price: $265,000
4 bd / 2 ba · 2,400 sqft
Latest sale: — on Oct 02, 2024
Latest rent: —
Photo unavailable
548 W Marlin Ct
sold · 0.09 mi
Price: $199,000
4 bd / 3 ba · 2,290 sqft
Latest sale: — on Apr 14, 2021
Latest rent: —
Photo unavailable
584 Holmes Blvd
off_market · 0.11 mi
Price: $229,000
7 bd / 4 ba · 2,300 sqft
Latest sale: — on Oct 12, 2010
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or not pictured and will need verification/installation to meet NSPIRE.
- Electrical panel and water heater were not photographed; assumed serviceable but unverified.
- Kitchen appears to have modern appliances; assume stove, fridge, dishwasher are included and functional as shown.
- HVAC is functional based on listing note that 'interior HVAC system has new coils' but full operational status (cooling/heating) is unverified.
- No active roof leaks or major structural/foundation issues based on clear roofline and even walls/doors in photos; assume none present.
- Backyard is fully fenced as stated in listing; fence condition assumed serviceable though not fully photographed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $3,348 | $251,700 | $25,170 |
| 2024 | $3,339 | $251,700 | $25,170 |
| 2023 | $3,290 | $251,700 | $25,170 |
| 2022 | $3,207 | $251,700 | $25,170 |
| 2021 | $3,022 | $251,700 | $25,170 |
| 2020 | $1,494 | $125,300 | $12,530 |
| 2019 | $1,532 | $125,300 | $12,530 |
| 2018 | $1,431 | $125,300 | $12,530 |
| 2017 | $1,372 | $125,300 | $12,530 |
| 2016 | $1,344 | $125,300 | $12,530 |
| 2015 | $1,377 | $125,300 | $12,530 |
| 2014 | $1,360 | $125,300 | $12,530 |
| 2013 | $1,314 | $125,300 | $12,530 |
| 2012 | $527 | $125,300 | $12,530 |
| 2011 | $520 | $124,500 | $12,450 |
| 2010 | $1,275 | $124,500 | $12,450 |
| 2009 | $1,275 | $124,500 | $12,450 |
| 2008 | $501 | — | $12,450 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-01 | Listed | $299,000 |
| 2023-09-27 | Sold | $0 |
| 2023-09-27 | Listing removed | $0 |
| 2020-07-29 | Sold | $0 |
| 2020-07-28 | Listing removed | $279,000 |
| 2020-06-18 | Listed | $279,000 |
| 2020-02-19 | Sold | $0 |
| 2020-02-14 | Listing removed | $0 |
| 1991-11-01 | Sold | $0 |
Photo Gallery
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"generated_at": "2026-03-27T17:04:01.347670Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 79.3
},
"utility_allowance": {
"zip_code": "70056",
"home_photo": "https://ap.rdcpix.com/45053c2e4bdfac78a8b81397448ee83al-m477066773s-w1280.jpg",
"rent_price": 1888.0,
"loan_amount": 239200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/516-W-Marlin-Ct_Terrytown_LA_70056_M84376-80264",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 299000.0,
"loan_term_years": 30,
"annual_cash_flow": 14956.96,
"mortgage_monthly": 1591.4,
"payment_standard": 2328.0,
"total_amount_out": 59800.0,
"additional_photos": [
"https://ap.rdcpix.com/45053c2e4bdfac78a8b81397448ee83al-m4078348681s-w1280.jpg",
"https://ap.rdcpix.com/45053c2e4bdfac78a8b81397448ee83al-m1121860601s-w1280.jpg",
"https://ap.rdcpix.com/45053c2e4bdfac78a8b81397448ee83al-m2828116004s-w1280.jpg",
"https://ap.rdcpix.com/45053c2e4bdfac78a8b81397448ee83al-m352975948s-w1280.jpg",
"https://ap.rdcpix.com/45053c2e4bdfac78a8b81397448ee83al-m2121804034s-w1280.jpg",
"https://ap.rdcpix.com/45053c2e4bdfac78a8b81397448ee83al-m2584255306s-w1280.jpg",
"https://ap.rdcpix.com/45053c2e4bdfac78a8b81397448ee83al-m3572022036s-w1280.jpg",
"https://ap.rdcpix.com/45053c2e4bdfac78a8b81397448ee83al-m211099115s-w1280.jpg",
"https://ap.rdcpix.com/45053c2e4bdfac78a8b81397448ee83al-m1387516841s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 165.42,
"monthly_cash_flow": 1246.41,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected Electric as the fuel type for the central heating system is not specified, and Electric is a more expensive option than natural gas, providing a conservative estimate.",
"utility": "Heating (Electric)",
"allowance": 158
},
{
"note": "Standard allowance for lighting and tenant-supplied appliances in a 4-bedroom home.",
"utility": "Other Electric",
"allowance": 77
},
{
"note": "Selected Electric as the cooking fuel is not specified, and it is the more expensive option compared to natural gas.",
"utility": "Cooking (Electric)",
"allowance": 19
},
{
"note": "Selected Electric as the water heater fuel is not specified, and it is the more expensive option.",
"utility": "Water Heating (Electric)",
"allowance": 57
},
{
"note": "Property details state a public water source. This is the standard allowance for a 4-bedroom home.",
"utility": "Water",
"allowance": 50
},
{
"note": "Property details state city sewer service. This is the standard allowance for a 4-bedroom home.",
"utility": "Sewer",
"allowance": 54
},
{
"note": "Standard fixed allowance for trash collection for a single-family home.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.25,
"down_payment_amount": 59800.0,
"property_tax_annual": 3448.44,
"property_tax_monthly": 287.37,
"property_tax_increase": 0.03,
"utility_allowance_total": 440.0,
"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": -4139.88,
"property_management_monthly": 188.8,
"monthly_cash_flow_after_debt": -344.99,
"cash_on_cash_return_after_debt": -0.07
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 4-bed, 2.5-bath single-family appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection with minimal work. The home shows recent cosmetic and mechanical updates (new flooring, paint, light fixtures, updated kitchen appliances, HVAC coils) and a well-maintained exterior. Primary inspection risk areas not visible in photos are smoke/CO detectors, GFCI protection at kitchen/bath, and verification of the electrical panel and water heater. If those devices/systems are present and operational, the property should be rent-ready within 1-2 weeks; if not, installing detectors/GFCIs and minor corrections should bring it into compliance quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 85.0,
"rationale": "Photos and listing show fresh paint, new upstairs flooring, new light fixtures, trim/crown molding in good shape and clean tile on main level. Kitchen and bath cabinetry appear intact and appliances (stove, refrigerator, dishwasher) are present and modern. Front porch and landscaping are tidy. Minor cosmetic defects visible: driveway and small concrete cracks at porch; small porch floor cracks and some mulch beds need touch-up. No evidence of major deferred maintenance. Missing/unknown items: no interior photos of some bathrooms/bedrooms but overall finish is updated."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "No visible exposed wiring, walls/ceilings appear intact, windows (including upstairs) appear of sufficient size for egress, entry door is solid and shows a keyed lockset (likely deadbolt present). No visible trip hazards inside; floors are even. However photos do not show smoke detectors or CO alarms, and GFCI outlets at the kitchen counters are not visible — these are common cause of initial inspection failures. No evidence of active water intrusion, mold, collapsed ceilings, or major foundation movement. Exterior porch has no handrail but steps are minimal. Given overall good condition but uncertainty about required alarms and kitchen GFCI, moderate safety deduction applied."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 80.0,
"rationale": "Listing states interior HVAC has new coils (indicates recent HVAC service) and photos show a typical forced-air supply vent. Kitchen appliances are modern and present. Roof shingles appear in good visual condition from photos, no obvious sagging or leaks. Electrical panel and water heater were not photographed; no visible evidence of plumbing failure or active leaks. Driveway drainage shows typical grade; backyard is fenced (listing). Because critical system components (electrical panel, WH, full HVAC operation, hot water) are not documented in photos, a conservative deduction is applied despite positive indicators."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 82.0,
"rationale": "Brick façade and siding look well maintained; roof shingles visible appear intact and recently replaced or in good condition. Yard is maintained; property is fully fenced per listing and backyard fence is visible through interior photo. Driveway has cracks but is serviceable; walkways are intact. Large pine tree close to house could present future roof/gutter debris risk but no current damage visible. No signs of standing water, severe grading issues, or infestation in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or not pictured and will need verification/installation to meet NSPIRE.",
"Electrical panel and water heater were not photographed; assumed serviceable but unverified.",
"Kitchen appears to have modern appliances; assume stove, fridge, dishwasher are included and functional as shown.",
"HVAC is functional based on listing note that 'interior HVAC system has new coils' but full operational status (cooling/heating) is unverified.",
"No active roof leaks or major structural/foundation issues based on clear roofline and even walls/doors in photos; assume none present.",
"Backyard is fully fenced as stated in listing; fence condition assumed serviceable though not fully photographed."
],
"overall_score": 82.0,
"rubric_version": "ns_p_v1.0"
},
{
"summary": "This property appears largely turnkey for Section 8 tenancy with fresh finishes, updated kitchen appliances, intact roof and a recently serviced HVAC coil. Primary inspection uncertainties are detection/verification of smoke and CO alarms, GFCI outlets, and unseen systems (water heater, electrical panel). Visible issues are mostly cosmetic (driveway/porch cracks, landscaping). With verification/installation of detectors and basic GFCI checks, the home is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Exterior and interior photos show a well-maintained, freshly painted home with new flooring upstairs and updated light fixtures. Kitchen cabinets, countertops and appliances appear in good, modern condition; dishwasher, range and refrigerator are present. Minor visible defects: driveway and porch floor hairline-to-modest cracking, small scuffs at porch threshold, and some mulch beds needing tidying. These are cosmetic / minor repair items that are easy to remedy. Missing items that commonly concern listings (washer/dryer not pictured) are not treated as major failures here."
},
{
"key": "safety_code",
"label": "NSPIRE / safety & code compliance risk",
"score": 72.0,
"rationale": "No visible active hazards in photos: ceilings appear intact without stains, no visible mold, no exposed wiring, and exterior doors look secure (front door has a modern handle set likely including a deadbolt). However, smoke detectors and carbon monoxide detectors are not visible in the interior photos (cannot confirm placement/operation), and GFCI outlets in kitchen/bathrooms are not evident from images. Bedroom egress, stair/handrail details and electrical panel condition are not shown. Because missing detectors or GFCIs would be inspection failures if absent, a moderate deduction is applied for unknowns despite overall good visible condition."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 75.0,
"rationale": "Listing states the interior HVAC has new coils (indicates recent service/partial HVAC update) and interior vents are visible. Roof shingles appear intact in exterior photos and there are no visible signs of active roof leaks or sagging. Kitchen appliances appear modern and operational. Water heater, main electrical panel, and visible plumbing connections are not shown; therefore some system-level uncertainty remains. No visible signs of major plumbing or electrical failure in provided images."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard condition",
"score": 80.0,
"rationale": "Brick front facade and upper siding appear in good condition and paint looks fresh. Front porch and columns are structurally intact. Fenced backyard is described in listing (not pictured), and landscaping is maintained. Driveway and front sidewalk show cracking but are functional; cracks appear cosmetic rather than structural. No evidence of standing water, erosion, collapsed walks, or infestation in provided photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior HVAC is operational per listing line 'new coils' and vents visible in photos.",
"Bedrooms have code-compliant egress windows (not pictured) typical of a 1980-built single-family home unless otherwise noted.",
"Smoke detectors and carbon monoxide detectors may be present but are not visible in photos; absence would require immediate correction.",
"GFCI protection in kitchen and bathrooms is unknown from images and may need verification or installation.",
"Electrical panel and water heater are present and functional but were not photographed; no outward signs of failure were visible.",
"No active roof leaks or major structural movement exist because roof and ceilings in photos show no stains or sagging.",
"Backyard fence exists as stated in the listing even though not included in provided photos."
],
"overall_score": 78.0,
"rubric_version": "ns-2026-1.0"
},
{
"summary": "Well-maintained, updated 4 BR/2.5 BA single-family home that appears close to turnkey for Section 8 / HCV occupancy. Interior finishes, kitchen appliances, HVAC (new coils reported) and exterior appearance are good. The most likely inspection issues are verification items: presence and operation of required smoke and CO detectors, GFCI protection in wet areas, proper bedroom egress, and confirmation of electrical panel and water heater condition. No major structural or life-safety hazards are visible from photos. With verification and minor fixes (if any detectors/GFCIs are missing), this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Repairs",
"score": 85.0,
"rationale": "Photos and description show fresh paint, new upstairs flooring, updated light fixtures and an updated kitchen with stainless appliances and intact cabinetry and tile floors. Exterior brick, porch arches and garage doors appear in good condition. Minor observable issues: driveway and porch concrete have hairline to moderate cracks and small areas of cosmetic wear. No visible active water stains, peeling paint, or collapsed finishes. Missing or broken appliances are not an issue here (fridge, stove and dishwasher visible). Overall cosmetic condition is good and only minor repairs/cosmetic touch-ups appear needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings intact, no collapsed areas, no standing water, no exposed wiring in photos, doors and windows appear secure. Entry door appears to have a keyed deadbolt style lock and porch lighting is present. Unknowns that reduce score: smoke detectors/CO alarms are not visible in photos (NSPIRE requires functioning smoke alarms in hallways/bedrooms and CO alarms where required), GFCI protection in kitchen/bathrooms not shown, electrical panel not visible for inspection, bedroom egress windows are not individually photographed. A large tree close to the rear roofline is visible and could present risk during storms. Given condition and updates plus lack of evidence of immediate hazards, the property is moderately low risk but will require verification of detectors, GFCI outlets and egress at inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Roof, Electrical, Plumbing)",
"score": 75.0,
"rationale": "Listing states interior HVAC has new coils and vents/registers are visible inside, which indicates likely operational HVAC. Roof shingles look intact from photos with no visible sagging and gutters/soffits appear in good condition. Kitchen plumbing fixtures and appliances (range, dishwasher, refrigerator) are present and appear functional. Water heater and electrical panel are not shown, so their condition is assumed serviceable but unverified. Given visible evidence of recent updates and no signs of active leaks or system failure, systems appear in good condition but need routine verification on inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front yard and landscaping are maintained; driveway is functional though shows cracking. Brick veneer and upper siding look intact; covered front porch in good repair. Listing indicates a fully fenced backyard and covered patio (not pictured) — assuming present. No visible standing water, major foundation cracks, or evidence of infestation. The mature pine tree close to the rear of the house is the primary site concern (potential limb or root damage risk). Overall site appears well maintained with only moderate exterior maintenance items."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and CO alarms are not visible in photos; assume they are either present or can be installed quickly — inspection will require verification.",
"Water heater and main electrical panel exist and are serviceable though not pictured.",
"Kitchen appliances shown are functional (stove, refrigerator, dishwasher) as no damage is visible.",
"Fully fenced backyard and covered patio described in listing exist though backyard photos were not provided.",
"Bedrooms have code-compliant egress windows (not individually photographed).",
"No active roof leaks or interior water intrusion beyond what is visible (no stains or mold observed).",
"GFCI protection in kitchen and bathrooms is unknown and may require installation if missing."
],
"overall_score": 78.0,
"rubric_version": "nsPIRE_v1.0_2026-03-27"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "516 W Marlin Ct, Terrytown, LA, 70056",
"aggregate": {
"summary": "Overall this 4-bed, 2.5-bath single-family appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection with minimal work. The home shows recent cosmetic and mechanical updates (new flooring, paint, light fixtures, updated kitchen appliances, HVAC coils) and a well-maintained exterior. Primary inspection risk areas not visible in photos are smoke/CO detectors, GFCI protection at kitchen/bath, and verification of the electrical panel and water heater. If those devices/systems are present and operational, the property should be rent-ready within 1-2 weeks; if not, installing detectors/GFCIs and minor corrections should bring it into compliance quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 85.0,
"rationale": "Photos and listing show fresh paint, new upstairs flooring, new light fixtures, trim/crown molding in good shape and clean tile on main level. Kitchen and bath cabinetry appear intact and appliances (stove, refrigerator, dishwasher) are present and modern. Front porch and landscaping are tidy. Minor cosmetic defects visible: driveway and small concrete cracks at porch; small porch floor cracks and some mulch beds need touch-up. No evidence of major deferred maintenance. Missing/unknown items: no interior photos of some bathrooms/bedrooms but overall finish is updated."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.7,
"rationale": "Brick façade and siding look well maintained; roof shingles visible appear intact and recently replaced or in good condition. Yard is maintained; property is fully fenced per listing and backyard fence is visible through interior photo. Driveway has cracks but is serviceable; walkways are intact. Large pine tree close to house could present future roof/gutter debris risk but no current damage visible. No signs of standing water, severe grading issues, or infestation in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 73.3,
"rationale": "No visible exposed wiring, walls/ceilings appear intact, windows (including upstairs) appear of sufficient size for egress, entry door is solid and shows a keyed lockset (likely deadbolt present). No visible trip hazards inside; floors are even. However photos do not show smoke detectors or CO alarms, and GFCI outlets at the kitchen counters are not visible — these are common cause of initial inspection failures. No evidence of active water intrusion, mold, collapsed ceilings, or major foundation movement. Exterior porch has no handrail but steps are minimal. Given overall good condition but uncertainty about required alarms and kitchen GFCI, moderate safety deduction applied."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 76.7,
"rationale": "Listing states interior HVAC has new coils (indicates recent HVAC service) and photos show a typical forced-air supply vent. Kitchen appliances are modern and present. Roof shingles appear in good visual condition from photos, no obvious sagging or leaks. Electrical panel and water heater were not photographed; no visible evidence of plumbing failure or active leaks. Driveway drainage shows typical grade; backyard is fenced (listing). Because critical system components (electrical panel, WH, full HVAC operation, hot water) are not documented in photos, a conservative deduction is applied despite positive indicators."
}
],
"red_flags": [],
"confidence": 0.91,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or not pictured and will need verification/installation to meet NSPIRE.",
"Electrical panel and water heater were not photographed; assumed serviceable but unverified.",
"Kitchen appears to have modern appliances; assume stove, fridge, dishwasher are included and functional as shown.",
"HVAC is functional based on listing note that 'interior HVAC system has new coils' but full operational status (cooling/heating) is unverified.",
"No active roof leaks or major structural/foundation issues based on clear roofline and even walls/doors in photos; assume none present.",
"Backyard is fully fenced as stated in listing; fence condition assumed serviceable though not fully photographed."
],
"score_method": "mean_of_criteria",
"overall_score": 79.3,
"rubric_version": "ns_p_v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8437680264"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.