Property ID: 8438484737
2320 16th St N, Birmingham, AL, 35204
Birmingham, AL
Money Down: $28,776
CoC Return: -4.97%
Monthly Cash Flow: $-119
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
-4.97%
Rent
$867
Monthly Cash Flow
$-119
Annual Cash Flow
$-1,431
Debt Service / Mo
$638
Property Tax / Mo
$169
Insurance / Mo
$92
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$867
Payment Standard
$1,408
Rent
$867
Insurance
$92
Property Tax
$169
Management
$87
Utilities Allowance
$541
NOI (Monthly)
$519
Debt Service
$638
Cash Flow After Debt
$-119
Quality Score: 69.10%
Confidence: 95.00%
This brick single-family (3BR/2BA) appears generally sound and would likely pass an initial HCV/NSPIRE inspection after addressing a handful of common, fixable items. Primary corrective actions expected: install or verify working smoke and CO detectors, install GFCI protection in kitchen/bath as required, repair/patch ceiling cracks and replace or deep-clean carpeting, verify HVAC and hot water operation and remedy any issues found. Exterior and structural elements are intact in photos. Estimated time-to-rent after completing the above: 1–4 weeks depending on contractor availability for electrical and smoke/CO device installation.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$541
Guaranteed Section 8 Rent (PS - Utilities)
$867
Property Management
$87
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
2
Living Area
1,734 sqft
Lot Size
6,534 sqft
Year Built
1962
Days on Market
131
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$169
Insurance / Mo
$92
Property Description
This home is move in ready on a level lot, Hardwood floors, with nice sized rooms. Convenient to local shopping, schools, Downtown and major interstates.
Utility Allowances
heating
$49
Property has central heating and a gas water heater, indicating natural gas is the heating fuel. 'N'Gas: Mulga' was chosen as the most expensive natural gas option on the schedule, as per instructions.
cooling
$22
Property has central cooling, which is electric. 'A/C: Alabama Power' was selected as a major regional provider and the most expensive option.
cooking
$21
Property lists a 'Convection Oven', indicating electric cooking. 'Elec: Ala Power' was chosen as it's a major regional provider and the most expensive electric option.
water_heating
$47
Property explicitly lists a 'Gas Water Heater'. 'N'Gas: Brookside' was selected as it is the most expensive natural gas option for water heating on the schedule.
other_electric
$68
This covers general electric use like lighting and is assumed to include the tenant's refrigerator. 'Lights, Ref, Etc.: Ala Power' was chosen as a major regional provider and the most expensive option.
water
$129
The property has 'Public Water'. 'Water: Mulga' was selected as the most expensive option on the schedule, as per instructions.
sewer
$151
The property is explicitly 'Sewer Connected', and the schedule provides a fixed rate for this utility based on bedroom count.
trash_collection
$40
Trash collection is a standard inferred utility. As the provider is unknown, 'Fairfield Inside City Limits (ISCL)' was chosen as the most expensive option on the schedule.
refrigerator
$8
The property listing does not explicitly state a refrigerator is included, so it's assumed to be tenant-owned. The schedule provides a fixed allowance for this.
range_microwave
$6
The property listing does not explicitly state a microwave is included, so it is assumed to be tenant-owned. The schedule provides a fixed allowance for this.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$938
DP3 Annual Estimate$1,277
DP1 Monthly Equivalent$78
DP3 Monthly Equivalent$106
Replacement Value$129,100
Basis1,734 sqft / 1962
Nearby Houses
Photo unavailable
1345 24th Ave N
for_sale · 0.03 mi
Price: $110,000
3 bd / 2 ba · 1,746 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1348 24th Ave N
sold · 0.04 mi
Price: $24,900
3 bd / 1 ba
Latest sale: $24,900 on Apr 22, 2016
Latest rent: —
Photo unavailable
1352 23rd Ave N
sold · 0.05 mi
Price: $32,000
3 bd / 1 ba · 964 sqft
Latest sale: $32,000 on Aug 21, 2023
Latest rent: —
Photo unavailable
1321 23rd Ave N
sold · 0.10 mi
Price: $46,000
3 bd / 2 ba · 1,294 sqft
Latest sale: $46,000 on Feb 28, 2023
Latest rent: —
Photo unavailable
2431 16th St N
sold · 0.10 mi
Price: $15,500
3 bd / 2 ba · 1,248 sqft
Latest sale: $15,500 on Oct 15, 2019
Latest rent: —
Photo unavailable
1313 23rd Ave N
sold · 0.12 mi
Price: $127,500
5 bd / 2 ba · 1,658 sqft
Latest sale: $127,500 on Dec 24, 2024
Latest rent: $1,500 on Sep 11, 2024
Photo unavailable
1312 24th Ave N
sold · 0.12 mi
Price: $17,650
3 bd / 1 ba
Latest sale: $17,650 on May 05, 2016
Latest rent: —
Photo unavailable
1418 22nd Ave N
sold · 0.15 mi
Price: $45,000
— bd / — ba
Latest sale: $45,000 on Dec 09, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors in photos (NSPIRE failure risk).
- No visible carbon monoxide alarm (may be required depending on local code and presence of gas appliances).
- No visible GFCI-protected kitchen and bathroom outlets (likely a fail in inspection).
- Ceiling cracks/patch lines visible — potential past water intrusion that requires confirmation.
- Potentially inadequate bedroom egress — windows appear small/slider-type and may not meet egress clear opening without measurement.
Assumptions
- No interior mechanical rooms or panels were photographed; the home likely has a forced-air HVAC system because floor registers are visible, but operational status is unknown.
- Smoke detectors and carbon monoxide alarms are not present (not visible in photos) and will need verification/installation.
- Kitchen and bathroom outlets shown are standard non-GFCI style in photos; GFCI protection will likely be required at kitchen counter and bathroom receptacles per local code/NSPIRE.
- Windows shown in bedrooms are assumed to be the primary egress; their exact clear opening dimensions are unknown and may require measurement to confirm compliance.
- No active roof leaks or major structural movement inferred from exterior photos; small ceiling cracks likely cosmetic or related to settling and will need inspection.
- Appliances visible (fridge and gas stove) are assumed present and operable but should be tested before occupancy.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,970 | $135,900 | $27,180 |
| 2023 | $1,970 | $135,900 | $27,180 |
| 2022 | $1,544 | $106,500 | $21,300 |
| 2021 | $1,450 | $100,000 | $20,000 |
| 2020 | $1,450 | $100,000 | $20,000 |
| 2019 | $1,450 | $100,000 | $20,000 |
| 2018 | $1,216 | $83,900 | $16,780 |
| 2017 | $1,587 | $109,500 | $21,900 |
| 2016 | $1,587 | $109,500 | $21,900 |
| 2015 | $1,587 | $109,500 | $21,900 |
| 2013 | $1,156 | $107,600 | $21,520 |
| 2012 | $982 | $69,600 | $13,920 |
| 2011 | $999 | $70,800 | $14,160 |
| 2010 | $425 | $70,800 | $7,080 |
| 2009 | $514 | $83,600 | $8,360 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2010-10-29 | Sold | $19,900 |
| 2010-02-18 | Sold | $14,100 |
| 2008-02-11 | Sold | $76,400 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2019-05-01 | Listed for rent | $800 | — |
Photo Gallery
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"parent_category": "Interior"
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"Fireplace Features: Stone (FIREPL), Gas (FIREPL), Family Room (FIREPL)",
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"Number of Fireplaces: 1",
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"parent_category": "Exterior"
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"parent_category": "Exterior"
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"category": "Home Features",
"parent_category": "Exterior"
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"High School: CARVER, G W",
"Middle School: KIRBY"
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"Source Listing Status: Active",
"County: Jefferson",
"Directions: Going I-65 North toward Birmingham, take exit 262B (Finley blvd turn right and a left on Finley blvd and a right on 16th street and the house is on the left.",
"Source Property Type: RESIDENTIAL",
"Area: Inglenook, North Bham, Norwood, Tarrant",
"Source Neighborhood: MUNGER",
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"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": -1430.9,
"property_management_monthly": 86.7,
"monthly_cash_flow_after_debt": -119.24,
"cash_on_cash_return_after_debt": -0.06
},
"section8_assessment": {
"runs": [
{
"summary": "This brick single-family (3BR/2BA) appears generally sound and would likely pass an initial HCV/NSPIRE inspection after addressing a handful of common, fixable items. Primary corrective actions expected: install or verify working smoke and CO detectors, install GFCI protection in kitchen/bath as required, repair/patch ceiling cracks and replace or deep-clean carpeting, verify HVAC and hot water operation and remedy any issues found. Exterior and structural elements are intact in photos. Estimated time-to-rent after completing the above: 1–4 weeks depending on contractor availability for electrical and smoke/CO device installation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Exterior brick shell appears intact and interior is generally clean and livable. Visible deferred items are mostly cosmetic: worn carpeting, dated kitchen cabinets/linoleum, patched or cracked ceiling lines, and some surface staining on carpets and trim. Major appliances (refrigerator and gas range) are present in the listing photos which reduces the penalty for missing items. Overall these are straightforward cosmetic and capital repairs (carpet replacement/cleaning, paint, minor ceiling patch) that can be completed quickly."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 55.0,
"rationale": "Several NSPIRE risk items are not visible or are unclear from photos: no ceiling-mounted smoke detectors or CO alarms are visible, and kitchen/bath outlets do not show obvious GFCI protection. Bedroom egress looks borderline in some photos (windows appear horizontal/slider style and may not meet minimum egress clear opening). Entry doors have a visible security/metal door which likely includes a lock; exterior stairs have handrails. No exposed wiring, obvious electrical panel damage, standing water, or collapsed ceilings are visible. Because missing smoke/CO alarms and lack of GFCI protection are common automatic inspection issues, the safety score is reduced to reflect likely corrective work required."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Visible forced-air floor registers indicate a central HVAC distribution system likely exists, and exterior service meter and conduit appear intact. No HVAC condensing unit, furnace, or water heater photos were provided so operational status is unknown. Roof shingles look aged with dark streaking but no obvious sagging or large missing areas in provided views; chimney appears intact. Kitchen and bathroom fixtures are present and look serviceable; bathtub and fixtures appear recently tiled. Given the visual evidence, systems are probably functional but require verification (furnace/AC operation, hot water, electrical panel condition) which creates moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "The brick exterior is in good visible condition with intact mortar and no major foundation displacement observed. Yard is level, sidewalks present, and two-car garage doors appear functional. Gutters and downspouts are installed. Shrubs close to foundation should be trimmed to prevent moisture issues, but there is no visible grading or severe drainage problem in photos. Overall the exterior/site is well maintained and low risk for an initial inspection."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors in photos (NSPIRE failure risk).",
"No visible carbon monoxide alarm (may be required depending on local code and presence of gas appliances).",
"No visible GFCI-protected kitchen and bathroom outlets (likely a fail in inspection).",
"Ceiling cracks/patch lines visible — potential past water intrusion that requires confirmation.",
"Potentially inadequate bedroom egress — windows appear small/slider-type and may not meet egress clear opening without measurement."
],
"confidence": 0.65,
"assumptions": [
"No interior mechanical rooms or panels were photographed; the home likely has a forced-air HVAC system because floor registers are visible, but operational status is unknown.",
"Smoke detectors and carbon monoxide alarms are not present (not visible in photos) and will need verification/installation.",
"Kitchen and bathroom outlets shown are standard non-GFCI style in photos; GFCI protection will likely be required at kitchen counter and bathroom receptacles per local code/NSPIRE.",
"Windows shown in bedrooms are assumed to be the primary egress; their exact clear opening dimensions are unknown and may require measurement to confirm compliance.",
"No active roof leaks or major structural movement inferred from exterior photos; small ceiling cracks likely cosmetic or related to settling and will need inspection.",
"Appliances visible (fridge and gas stove) are assumed present and operable but should be tested before occupancy."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This brick single-family home presents as generally sound and largely 'move-in ready' with mostly cosmetic and finish repairs needed (carpet cleaning/replacement, paint, light fixture updates). Major safety/system risks that should be corrected before Section 8 leasing include installation/verification of smoke detectors and carbon monoxide alarms, verification/installation of GFCI(s) in kitchen/bath, and confirmation that every bedroom has compliant egress (basement/small windows with bars are a potential egress failure). Mechanical systems (HVAC, water heater, electrical panel) are not visible in photos and must be verified operational. With those safety items addressed and minor cosmetic work, the property is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Property appears structurally intact with brick exterior and intact roofline. Interior shows worn/aged finishes: stained carpet in multiple rooms, patched/cracked ceilings, older kitchen cabinets and vinyl flooring. Appliances (stove and refrigerator) are present which reduces scope of work. Most items are cosmetic or small repairs (carpet replacement/cleaning, paint, cabinet touch-up, light fixtures). No evidence of collapsed surfaces or exposed subfloor. Overall moderate cosmetic work likely needed but not major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in photos (required). Windows in main bedrooms appear to provide natural light but egress sizing cannot be confirmed from photos — basement windows are small and have security bars which could be an egress hazard if any sleeping rooms are in the lower level. Handrails are present at exterior steps. No obvious exposed wiring, major ceiling collapse, active leaks or severe mold visible. GFCI protection near kitchen sink is not visibly present and should be verified/installed. Because critical safety devices (smoke/CO) are not evident and egress/GFCI are uncertain, this is the highest risk area."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "No visible evidence of failed major systems in listing photos. Roof appears aged but serviceable from images (no visible large depressions or missing field of shingles). Plumbing fixtures (kitchen sink, bathroom tub/shower and toilet) appear present and in usable condition. Gas range present. None of the photos show the HVAC condenser, thermostat, water heater, or electrical panel; listing says 'move in ready' which supports assumption systems operate, but lack of visual confirmation reduces score. Recommend verification of functioning heating/cooling, hot water, and electrical panel/GFCI prior to lease."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Brick envelope looks sound with intact gutters and no visible major foundation displacement. Yard is level and walkways are serviceable though show typical cracking and wear. Front and side steps have metal railings. Two-car garage doors appear operable. Landscaping is minimal but not a safety hazard. No standing water, severe erosion, or infestation evidence seen."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors inside the unit in photos (must be installed prior to lease).",
"No visible carbon monoxide alarm (required where fuel-burning appliances or attached garages exist).",
"Potential lead-based paint hazard (home built in 1962) — requires disclosure and possible mitigation per federal/state rules.",
"Basement windows with security bars/small openings could create egress failures if any sleeping rooms are in the lower level."
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'move in ready' is accurate and major systems (heating/cooling, water heater, electrical service) are present and functional though not shown in photos.",
"Bedrooms are located on the main floor and the pictured small basement windows are not bedroom egress; if a bedroom is in the lower level the egress windows with bars will fail inspection unless modified.",
"No active roof leaks or significant unseen water intrusion exists (roof appears aged but not visibly failed).",
"Appliances shown (gas range and refrigerator) are operable; missing appliance evidence would only moderately affect readiness.",
"No visible mold, major pest infestation, or concealed structural damage beyond what is shown in photos.",
"Electrical panel and grounding are intact and up to code unless otherwise found during inspection.",
"The baseboard-like device visible in living room photos is either trim or a functional heating element; heating is assumed present but needs verification."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This brick single-family appears structurally sound and largely move-in ready with mostly cosmetic repairs and code-compliance items needed. Primary concerns for an initial HCV/NSPIRE inspection are verification/installation of smoke and CO alarms, GFCI protection in kitchen/bath, confirmation of functional HVAC and hot water, and verification of bedroom egress. With those items addressed (and minor cosmetic work), the home is likely to pass inspection within 2-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Mostly cosmetic wear visible: wall/ceiling patching, worn carpeting throughout, dated kitchen cabinets and vinyl flooring, some cabinet door missing/loose. Appliances (gas range and refrigerator) are present which reduces penalty. No visible major structural damage or collapsed finishes in photos. Estimated moderate cosmetic work (carpet replacement/cleaning, cabinet repairs, paint, light fixture updates) required to reach turnkey."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in interior photos (required, especially with gas range). No visible GFCI receptacles in kitchen or bathroom pictures. Bedrooms show windows but egress compliance cannot be fully confirmed from images (one small basement window has security bars). Front and side entry stairs have handrails. No obvious exposed wiring, active leaks, collapsed ceilings or major trip hazards visible. Because absence of required alarms or GFCI would be an NSPIRE fail, this score reflects a moderate compliance risk pending verification/installation of detectors and GFCIs and confirmation of bedroom egress."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Roof and gutters appear intact with no visible sagging or active leaks in photos. Plumbing fixtures (kitchen sink, bathroom tub/toilet) present and appear functional. No water heater or HVAC condenser visible in exterior photos; interior floor/ceiling vents suggest central HVAC may exist but is not documented. Electrical service meter is visible on exterior wall but main panel not shown. Absence of visible exterior HVAC unit and lack of confirmation of operation reduces score—major systems likely present but require verification and possible servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Brick exterior is in good cosmetic condition, gutters and downspouts present, grade appears level and yard is usable. Steps, porches and railings are present though some metalwork appears older and may have surface rust. Two-car garage doors visible and intact. Sidewalk and driveway show minor cracking but no major trip hazards. No obvious foundation movement or large exterior deterioration visible from the photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in photos — absence would be an NSPIRE automatic fail (and CO is required with gas appliances).",
"No visible GFCI-protected outlet near kitchen sink or in bathroom photos — GFCI absence is a common NSPIRE failure and needs corrective action.",
"Basement windows show security bars — if any basement room is or will be used as a bedroom these bars may obstruct emergency egress and fail inspection.",
"Ceiling seam/patching visible in multiple rooms — suggests prior water intrusion; needs verification to ensure no active leak or hidden water damage.",
"No exterior HVAC condenser photographed — lack of visible heating/cooling equipment requires verification that a functional heating system exists."
],
"confidence": 0.6,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not present or not visible in the provided photos; assume they are not installed or need verification.",
"Central HVAC likely exists (floor/ceiling vents visible) but no exterior condenser or heating equipment was photographed; assume HVAC presence but require operational verification and service.",
"Water heater is present but not pictured; assume functional hot water is available but needs verification.",
"Electrical panel condition is unknown (not pictured); assume service is intact but needs routine inspection for safety/GFCI requirements.",
"Bedrooms on the main living level have egress-capable windows; basement windows with security bars are not intended as primary sleeping-room egress.",
"Appliances shown (gas range and refrigerator) are present and assumed operable unless testing reveals otherwise.",
"No active roof leaks or major foundation movement are evident in photos; however ceiling patch lines suggest prior repairs that should be inspected for ongoing moisture issues.",
"Home was built in 1962 (pre-1978) so lead-based paint risk exists and will need to be assessed if paint is disturbed during repairs."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2320 16th St N, Birmingham, AL, 35204",
"aggregate": {
"summary": "This brick single-family (3BR/2BA) appears generally sound and would likely pass an initial HCV/NSPIRE inspection after addressing a handful of common, fixable items. Primary corrective actions expected: install or verify working smoke and CO detectors, install GFCI protection in kitchen/bath as required, repair/patch ceiling cracks and replace or deep-clean carpeting, verify HVAC and hot water operation and remedy any issues found. Exterior and structural elements are intact in photos. Estimated time-to-rent after completing the above: 1–4 weeks depending on contractor availability for electrical and smoke/CO device installation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.7,
"rationale": "Exterior brick shell appears intact and interior is generally clean and livable. Visible deferred items are mostly cosmetic: worn carpeting, dated kitchen cabinets/linoleum, patched or cracked ceiling lines, and some surface staining on carpets and trim. Major appliances (refrigerator and gas range) are present in the listing photos which reduces the penalty for missing items. Overall these are straightforward cosmetic and capital repairs (carpet replacement/cleaning, paint, minor ceiling patch) that can be completed quickly."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "The brick exterior is in good visible condition with intact mortar and no major foundation displacement observed. Yard is level, sidewalks present, and two-car garage doors appear functional. Gutters and downspouts are installed. Shrubs close to foundation should be trimmed to prevent moisture issues, but there is no visible grading or severe drainage problem in photos. Overall the exterior/site is well maintained and low risk for an initial inspection."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 58.3,
"rationale": "Several NSPIRE risk items are not visible or are unclear from photos: no ceiling-mounted smoke detectors or CO alarms are visible, and kitchen/bath outlets do not show obvious GFCI protection. Bedroom egress looks borderline in some photos (windows appear horizontal/slider style and may not meet minimum egress clear opening). Entry doors have a visible security/metal door which likely includes a lock; exterior stairs have handrails. No exposed wiring, obvious electrical panel damage, standing water, or collapsed ceilings are visible. Because missing smoke/CO alarms and lack of GFCI protection are common automatic inspection issues, the safety score is reduced to reflect likely corrective work required."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Visible forced-air floor registers indicate a central HVAC distribution system likely exists, and exterior service meter and conduit appear intact. No HVAC condensing unit, furnace, or water heater photos were provided so operational status is unknown. Roof shingles look aged with dark streaking but no obvious sagging or large missing areas in provided views; chimney appears intact. Kitchen and bathroom fixtures are present and look serviceable; bathtub and fixtures appear recently tiled. Given the visual evidence, systems are probably functional but require verification (furnace/AC operation, hot water, electrical panel condition) which creates moderate risk."
}
],
"red_flags": [
"No visible smoke detectors in photos (NSPIRE failure risk).",
"No visible carbon monoxide alarm (may be required depending on local code and presence of gas appliances).",
"No visible GFCI-protected kitchen and bathroom outlets (likely a fail in inspection).",
"Ceiling cracks/patch lines visible — potential past water intrusion that requires confirmation.",
"Potentially inadequate bedroom egress — windows appear small/slider-type and may not meet egress clear opening without measurement."
],
"confidence": 0.95,
"assumptions": [
"No interior mechanical rooms or panels were photographed; the home likely has a forced-air HVAC system because floor registers are visible, but operational status is unknown.",
"Smoke detectors and carbon monoxide alarms are not present (not visible in photos) and will need verification/installation.",
"Kitchen and bathroom outlets shown are standard non-GFCI style in photos; GFCI protection will likely be required at kitchen counter and bathroom receptacles per local code/NSPIRE.",
"Windows shown in bedrooms are assumed to be the primary egress; their exact clear opening dimensions are unknown and may require measurement to confirm compliance.",
"No active roof leaks or major structural movement inferred from exterior photos; small ceiling cracks likely cosmetic or related to settling and will need inspection.",
"Appliances visible (fridge and gas stove) are assumed present and operable but should be tested before occupancy."
],
"score_method": "mean_of_criteria",
"overall_score": 69.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8438484737"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.