Property ID: 8442990767
5317 Adams Ave, Adamsville, AL, 35005
Adamsville, AL
Money Down: $25,800
CoC Return: 19.26%
Monthly Cash Flow: $414
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,500
Closing Costs
$4,300
Total Down
$25,800
Investment Snapshot
Purchase Price
$107,500
Money Down
$25,800
Cash-on-Cash Return
19.26%
Rent
$1,190
Monthly Cash Flow
$414
Annual Cash Flow
$4,970
Debt Service / Mo
$572
Property Tax / Mo
$44
Insurance / Mo
$41
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,190
Payment Standard
$1,584
Rent
$1,190
Insurance
$41
Property Tax
$44
Management
$119
Utilities Allowance
$394
NOI (Monthly)
$986
Debt Service
$572
Cash Flow After Debt
$414
Quality Score: 71.20%
Confidence: 88.00%
Overall the property is in generally good, mostly cosmetic condition and appears likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after addressing a handful of minor items. Expected work before move-in: install/verify GFCI protection in kitchen and bathrooms, confirm/install carbon monoxide alarm where required, seal/caulk tubs and trim, confirm functional heating/HVAC and water heater, install/verify secure deadbolt on entry, and supply or document kitchen appliances. With those checks and small repairs completed it should be rent-ready within 1-4 weeks.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$394
Guaranteed Section 8 Rent (PS - Utilities)
$1,190
Property Management
$119
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$107,500
Beds
3
Baths
2
Living Area
1,190 sqft
Lot Size
16,988 sqft
Year Built
1940
Days on Market
124
Capital Outlay
$25,800
Debt Service
$572
Property Tax / Mo
$44
Insurance / Mo
$41
Property Description
PRICED TO SELL - MOTIVATED SELLER! This charming 3-bedroom, 2-bath home is move-in ready with fresh paint throughout and durable vinyl flooring, plus tile in both bathrooms. The kitchen features stone countertops and a convenient bar-top eating area-perfect for casual meals or entertaining guests. Schedule your showing today and see what this home has to offer!
Utility Allowances
Heating
$93
Property has Central Heat. Fuel type is assumed to be electric to match the electric water heater. 'Elec Heat: Ala Power' was selected as the most likely and highest cost electric option for a 3-bedroom unit.
Cooling
$22
Property has Central Air Conditioning (electric). 'A/C: Alabama Power' was selected for a 3-bedroom unit as the highest cost electric option.
Water Heating
$56
Property info specifies an electric water heater. 'Elec: Ala Power' was selected for a 3-bedroom unit.
Cooking
$21
Cooking appliance fuel type is not specified. Assumed electric for consistency with other electric systems. 'Elec: Ala Power' was selected for a 3-bedroom unit.
Other Electric
$68
Covers lights and other tenant-plugged-in appliances. 'Lights, Ref, Etc.: Ala Power' was selected for a 3-bedroom unit as the highest cost option.
Water
$100
Property has public water. Adamsville is not listed, so 'Water: Graysville' was selected as a nearby municipality mentioned in the property details, providing a conservative estimate for a 3-bedroom unit.
Sewer
$0
Property has a septic tank, so no public sewer utility cost is incurred.
Trash Collection
$20
Adamsville is not explicitly listed in the schedule. 'Jefferson City (Once per week)' was selected as a reasonable county default for a 3-bedroom unit.
Refrigerator (Tenant-Owned)
$8
Refrigerator is not listed as a provided appliance. The fixed allowance for a tenant-owned unit is applied.
Range/Microwave (Tenant-Owned)
$6
Range and Microwave are not listed as provided appliances. The fixed allowance for tenant-owned units is applied.
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$368
DP3 Annual Estimate$605
DP1 Monthly Equivalent$31
DP3 Monthly Equivalent$50
Replacement Value$26,400
Basis1,190 sqft / 1940
Nearby Houses
Photo unavailable
201 McAllister St
sold · 0.04 mi
Price: $145,000
4 bd / 2 ba · 1,808 sqft
Latest sale: $145,000 on Feb 28, 2025
Latest rent: —
Photo unavailable
124 Ridge St
sold · 0.05 mi
Price: $107,000
2 bd / 1 ba · 916 sqft
Latest sale: $107,000 on Jul 25, 2022
Latest rent: $890 on Jul 19, 2022
Photo unavailable
5301 Highland Ave
sold · 0.08 mi
Price: $171,000
3 bd / 2 ba · 3,140 sqft
Latest sale: $171,000 on Aug 29, 2025
Latest rent: $1,375 on Jun 20, 2025
Photo unavailable
5321 Highland Ave
sold · 0.09 mi
Price: $157,000
4 bd / 2 ba · 2,264 sqft
Latest sale: $157,000 on Apr 22, 2022
Latest rent: —
Photo unavailable
5224 Highland Ave
sold · 0.10 mi
Price: $125,000
3 bd / 1 ba · 976 sqft
Latest sale: $125,000 on Oct 13, 2023
Latest rent: —
Photo unavailable
197 Union Grove Rd
sold · 0.10 mi
Price: $125,000
3 bd / 2 ba · 1,316 sqft
Latest sale: $125,000 on Oct 29, 2018
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Missing kitchen appliances (stove/fridge) are not shown in photos; score reduced moderately for absence but not treated as inspection-fail unless unsafe gas/electrical hookups are present.
- A smoke detector is visible in the living area; additional detectors (bedrooms/halls) and CO alarm are assumed not present or not photographed and should be added/verified per NSPIRE/local code.
- Floor registers visible in photos indicate a forced-air HVAC system is present; functionality of heating/cooling and the water heater is not shown and is assumed serviceable but should be verified.
- No electrical panel or service condition is visible in listing photos; assumed intact but should be inspected; lack of visible exposed wiring reduces risk.
- No obvious major roof leaks, structural sagging, foundation movement, collapsed ceilings, or severe mold visible in photos; where finish irregularities exist they are treated as cosmetic/minor.
- Property built in 1940 — potential lead-based paint risk exists historically, but painted surfaces in photos show no obvious peeling; lead-hazard testing/notifications assumed required by local regulations.
- Rental history evidence from the snapshot is treated as a positive bonus and applied as a small readiness uplift in the overall score.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $514 | $42,400 | $8,480 |
| 2023 | $514 | $42,400 | $8,480 |
| 2022 | $424 | $35,000 | $7,000 |
| 2021 | $424 | $35,000 | $7,000 |
| 2020 | $162 | $35,000 | $3,500 |
| 2019 | $162 | $35,000 | $3,500 |
| 2018 | $146 | $31,900 | $3,200 |
| 2017 | $123 | $27,800 | $2,780 |
| 2016 | $123 | $27,800 | $2,780 |
| 2015 | $123 | $27,800 | $2,780 |
| 2013 | $127 | $27,600 | $2,760 |
| 2012 | $127 | $27,600 | $2,760 |
| 2011 | $139 | $29,800 | $2,980 |
| 2010 | $169 | $35,300 | $3,530 |
| 2009 | $169 | $35,300 | $3,530 |
| 2008 | $171 | $35,700 | $3,570 |
| 2007 | $517 | $41,400 | $8,280 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-09-14 | Sold | $104,500 |
| 2020-06-29 | Sold | $68,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-08-07 | Listed for rent | $1,175 | — |
| 2023-12-04 | Listed for rent | $1,135 | — |
| 2021-09-24 | Listed for rent | $935 | — |
| 2020-08-23 | Listed for rent | $935 | — |
Photo Gallery
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"High School: MINOR",
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"County: Jefferson",
"Directions: From I-22 take exit 87 go towards Cherry Ave Turn left onto Glasgow Hollow Rd onto New Blossburg Rd onto US-78 onto Bankhead Hwy onto Ray St onto Adams Ave",
"Source Property Type: RESIDENTIAL",
"Area: Adamsville, Forestdale, Graysville, Pratt City",
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"Total Area Upper: 0",
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"status": "off_market",
"list_date": "2021-04-13T15:12:27Z",
"list_price": 935,
"listing_id": "2920380349",
"last_update_date": "2020-12-15T13:33:35Z",
"last_status_change_date": "2021-04-13T15:12:27Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "893284",
"price_change_percentage": null
},
{
"date": "2020-09-14",
"price": 104500,
"listing": {
"status": "sold",
"list_date": "2021-01-26T02:48:16Z",
"list_price": 104500,
"listing_id": "2921474548",
"last_update_date": "2020-09-18T12:35:40Z",
"last_status_change_date": "2021-01-26T02:48:16Z"
},
"event_name": "Sold",
"price_sqft": 132.27848101265823,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "895951",
"price_change_percentage": null
},
{
"date": "2020-06-29",
"price": 68000,
"listing": null,
"event_name": "Sold",
"price_sqft": 86.07594936708861,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1989-07-01",
"price": 23000,
"listing": null,
"event_name": "Sold",
"price_sqft": 29.11392405063291,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8442990767",
"generated_at": "2026-02-16T01:39:23.553568Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 71.2
},
"utility_allowance": {
"zip_code": "35005",
"home_photo": "https://ap.rdcpix.com/d6f208077229047a2576139f73cf9810l-m4017524028s-w1280.jpg",
"rent_price": 1190.0,
"loan_amount": 86000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/5317-Adams-Ave_Adamsville_AL_35005_M84429-90767",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 107500.0,
"loan_term_years": 30,
"annual_cash_flow": 11836.08,
"mortgage_monthly": 572.16,
"payment_standard": 1584.0,
"total_amount_out": 21500.0,
"additional_photos": [
"https://ap.rdcpix.com/d6f208077229047a2576139f73cf9810l-m2378983025s-w1280.jpg",
"https://ap.rdcpix.com/d6f208077229047a2576139f73cf9810l-m882931204s-w1280.jpg",
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"https://ap.rdcpix.com/d6f208077229047a2576139f73cf9810l-m137696108s-w1280.jpg",
"https://ap.rdcpix.com/d6f208077229047a2576139f73cf9810l-m608150099s-w1280.jpg",
"https://ap.rdcpix.com/d6f208077229047a2576139f73cf9810l-m486444273s-w1280.jpg",
"https://ap.rdcpix.com/d6f208077229047a2576139f73cf9810l-m3937194121s-w1280.jpg",
"https://ap.rdcpix.com/d6f208077229047a2576139f73cf9810l-m3246844412s-w1280.jpg",
"https://ap.rdcpix.com/d6f208077229047a2576139f73cf9810l-m3473257058s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 40.54,
"monthly_cash_flow": 986.34,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has Central Heat. Fuel type is assumed to be electric to match the electric water heater. 'Elec Heat: Ala Power' was selected as the most likely and highest cost electric option for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has Central Air Conditioning (electric). 'A/C: Alabama Power' was selected for a 3-bedroom unit as the highest cost electric option.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property info specifies an electric water heater. 'Elec: Ala Power' was selected for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Cooking appliance fuel type is not specified. Assumed electric for consistency with other electric systems. 'Elec: Ala Power' was selected for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Covers lights and other tenant-plugged-in appliances. 'Lights, Ref, Etc.: Ala Power' was selected for a 3-bedroom unit as the highest cost option.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has public water. Adamsville is not listed, so 'Water: Graysville' was selected as a nearby municipality mentioned in the property details, providing a conservative estimate for a 3-bedroom unit.",
"utility": "Water",
"allowance": 100
},
{
"note": "Property has a septic tank, so no public sewer utility cost is incurred.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Adamsville is not explicitly listed in the schedule. 'Jefferson City (Once per week)' was selected as a reasonable county default for a 3-bedroom unit.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "Refrigerator is not listed as a provided appliance. The fixed allowance for a tenant-owned unit is applied.",
"utility": "Refrigerator (Tenant-Owned)",
"allowance": 8
},
{
"note": "Range and Microwave are not listed as provided appliances. The fixed allowance for tenant-owned units is applied.",
"utility": "Range/Microwave (Tenant-Owned)",
"allowance": 6
}
],
"cash_on_cash_return": 0.55,
"down_payment_amount": 21500.0,
"property_tax_annual": 529.42,
"property_tax_monthly": 44.12,
"property_tax_increase": 0.03,
"utility_allowance_total": 394.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 4970.16,
"property_management_monthly": 119.0,
"monthly_cash_flow_after_debt": 414.18,
"cash_on_cash_return_after_debt": 0.23
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property is in generally good, mostly cosmetic condition and appears likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after addressing a handful of minor items. Expected work before move-in: install/verify GFCI protection in kitchen and bathrooms, confirm/install carbon monoxide alarm where required, seal/caulk tubs and trim, confirm functional heating/HVAC and water heater, install/verify secure deadbolt on entry, and supply or document kitchen appliances. With those checks and small repairs completed it should be rent-ready within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates (fresh paint, new vinyl plank flooring, tiled baths and kitchen). Cabinets and countertops look in serviceable condition. Minor finish deficiencies visible: baseboard/trim gaps, caulk/paint needed at tub thresholds, cracked/uneven concrete on front porch slab, and no stove or refrigerator shown in photos (missing appliances reduce score moderately). No major visible drywall damage or collapsed finishes."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 70.0,
"rationale": "A smoke detector is visible on the living room ceiling (positive). Bedrooms show window egress. No obvious exposed wiring, loose guardrails, or collapsed ceilings in photos. However: no carbon monoxide detector is visible, GFCI protection is not apparent at bathroom/kitchen receptacles (an outlet by a sink appears non-GFCI), and the front entry deadbolt/secure hardware is not clearly visible. Minor water-stain/finish irregularity in bathroom wall; tub threshold shows gaps needing caulk. These are fixable but would need attention before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 70.0,
"rationale": "Roof appears intact from street photo with no visible sagging or missing shingles. Floor-level HVAC registers are visible (suggests forced-air system present), and plumbing fixtures appear intact in both bathrooms and kitchen sink. Electrical panel not shown and condition of mechanical equipment and water heater cannot be confirmed from photos. No visible active leaks, but bathroom trim and tub seals need attention. Because major system components are not documented in images, a conservative moderate score is used."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior vinyl siding, windows and foundation appear serviceable with no obvious foundation displacement or severe envelope failure. Front porch slab shows surface cracking/wear and edge deterioration. Yard and walkways are level; no standing water or major grading concerns visible. Crawlspace/foundation vents present. Some lower siding trim/finish at grade needs attention to prevent moisture intrusion."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Missing kitchen appliances (stove/fridge) are not shown in photos; score reduced moderately for absence but not treated as inspection-fail unless unsafe gas/electrical hookups are present.",
"A smoke detector is visible in the living area; additional detectors (bedrooms/halls) and CO alarm are assumed not present or not photographed and should be added/verified per NSPIRE/local code.",
"Floor registers visible in photos indicate a forced-air HVAC system is present; functionality of heating/cooling and the water heater is not shown and is assumed serviceable but should be verified.",
"No electrical panel or service condition is visible in listing photos; assumed intact but should be inspected; lack of visible exposed wiring reduces risk.",
"No obvious major roof leaks, structural sagging, foundation movement, collapsed ceilings, or severe mold visible in photos; where finish irregularities exist they are treated as cosmetic/minor.",
"Property built in 1940 — potential lead-based paint risk exists historically, but painted surfaces in photos show no obvious peeling; lead-hazard testing/notifications assumed required by local regulations.",
"Rental history evidence from the snapshot is treated as a positive bonus and applied as a small readiness uplift in the overall score."
],
"overall_score": 78.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 3BR/2BA single-family house presents as a mostly cosmetically updated rental with fresh paint, new-looking vinyl flooring and tiled bathrooms. It appears likely to pass an initial HCV/NSPIRE inspection after addressing a small number of straightforward items (installing/replacing missing appliances, confirming/adding GFCI receptacles, verifying HVAC and water heater operation, and repairing porch/threshold trim). The biggest uncertainties are system verifications (HVAC, water heater, electrical panel/GFCI) and a small area of possible prior water intrusion that should be investigated. With minor corrective work this property should be rentable within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 72.0,
"rationale": "Interior appears recently painted with new vinyl plank flooring and tiled bathrooms; kitchen cabinets and stone-look countertops look serviceable. Visible minor deficiencies include worn/peeling porch surface, some damaged trim/thresholds at bathroom doorway, loose/unfinished vanity mirror, and grout/caulk that will likely need touch-up. No major structural failures visible. Photos do not show a stove or refrigerator — missing appliances will require tenant-ready installation and reduce turnkey readiness moderately."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 68.0,
"rationale": "A ceiling-mounted smoke detector is visible in the living area (good). No obvious exposed wiring, no missing outlet covers, and bedroom windows appear to provide egress. Entry door shows standard locking hardware (possible deadbolt). Concerns: GFCI-protected receptacles are not visible at kitchen counter or bathroom(s) — if absent these are common inspection failures; no carbon monoxide alarm visible in photos (required where gas appliances/furnaces exist). Small ceiling/wall paint bubbling or staining in one area suggests prior moisture intrusion that should be inspected. Overall, moderate safety/code risk that can likely be corrected quickly but could trigger initial inspection items."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC, electrical, plumbing, roof, water heater",
"score": 65.0,
"rationale": "Floor vents are visible indicating central HVAC distribution, but no HVAC equipment or water heater is shown in photos so operational status is inferred but unconfirmed. Kitchen and bathroom fixtures (sinks, toilets, tub/shower) are present; tile and plumbing trim look serviceable. Roof appears aged from exterior photo but shows no obvious large failures or sagging. Electrical panel not photographed; GFCI presence unknown. Because critical systems are not documented in photos, score reflects moderate uncertainty and the need to verify HVAC operation, hot water, water heater condition, and electrical panel/GFCI functionality prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Siding appears intact and the foundation/crawlspace perimeter looks generally closed off; lot appears level with adequate yard. Front porch surface shows wear and flaking paint and concrete pad at driveway/walk is stained and uneven in spots. No visible major foundation cracks, severe drainage problems, or standing water in photos. Landscaping appears minimal but not a safety hazard. Overall exterior condition is acceptable with a few minor site repairs recommended."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (bonus-only)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No stove or refrigerator visible in listing photos (missing appliances reduce rent-ready status).",
"GFCI outlets not visible in kitchen/bath photos (potential NSPIRE/code failure if absent).",
"Minor ceiling/wall paint bubbling/discoloration in at least one room suggests prior moisture intrusion that requires investigation."
],
"confidence": 0.75,
"assumptions": [
"Central HVAC is present and operational (inferred from floor vents); no HVAC equipment was photographed.",
"Water heater and main electrical panel exist but were not shown; their condition is unknown.",
"No stove or refrigerator are visible in photos; assume appliances are not included unless listing states otherwise.",
"GFCI protection in kitchen/bathrooms is not visible in photos and is assumed absent until confirmed.",
"No active roof leaks or major foundation movement were visible in photos; minor ceiling bubbling/staining is assumed to be prior moisture intrusion that may be repaired."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the home appears in good, mostly turnkey condition with fresh paint, new-looking floors, updated counters and tiled baths. Major safety or structural failures are not visible in the photos. Primary inspection risks are unverified system items (electrical panel, water heater, HVAC functional test), GFCI/CO alarm locations, bedroom egress confirmation, and missing kitchen appliances (range/fridge) which are moderately negative but solvable. Likely to pass an initial HCV/NSPIRE inspection after verifying GFCI/CO protection, confirming egress and systems operation and installing/repairing a few minor items — estimated rent-ready timeline 1–4 weeks depending on appliance provision and system checks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted with new-looking vinyl/LVP flooring and tiled bathrooms. Cabinets and countertops look serviceable. Visible deferred items are cosmetic: porch surface wear, small trim/threshold gaps at bathtub and exterior skirting, some ceiling imperfections. No heavy deterioration visible. Photos do not show a range or refrigerator (missing appliances reduce score moderately)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "A ceiling smoke detector is visible and the entry door shows a deadbolt. No exposed wiring or obvious trip hazards in photos. Unknown/uncertain items: GFCI presence in kitchen/baths not verifiable, carbon monoxide alarm not visible, and bedroom egress windows cannot be fully measured from images. Minor ceiling blemishes near corners could indicate prior small leaks but no active water intrusion is visible. These unknowns lower the score."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 68.0,
"rationale": "Floor registers and ducting openings are visible indicating a central HVAC/forced-air system likely present. Roof shingles appear intact from the photo and no active roof leaks are visible. Water heater, furnace/AC equipment and electrical panel are not shown so their condition is assumed typical but unverified. Plumbing fixtures appear functional in photos. Because major systems are inferred rather than documented, score is conservative."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Vinyl siding and roofline appear generally intact; yard and walkways are serviceable. Front porch slab shows surface wear and edges need attention; there is no handrail but the elevation appears low (one step). Crawlspace/skirt area shows small gaps under siding at one corner that should be closed to prevent pest entry. No standing water or visible foundation cracking in provided images."
},
{
"key": "rental_history_activity",
"label": "Rental History Activity (5y) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC/forced-air is present and connected because floor/room registers are visible; condition is not confirmed.",
"No stove or refrigerator visible in photos; assume appliances are not included and would need to be provided by owner/landlord prior to move-in.",
"Electrical panel, water heater, and CO alarm locations are not shown and are assumed to be present and typical for the house but need verification during inspection.",
"Bedroom windows are assumed adequate for egress based on size in photos, but exact egress dimensions are unverified and must be measured for NSPIRE compliance.",
"No active roof leaks or standing water observed; minor ceiling blemishes are assumed to be cosmetic or prior minor issues rather than active leaks."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5317 Adams Ave, Adamsville, AL, 35005",
"aggregate": {
"summary": "Overall the property is in generally good, mostly cosmetic condition and appears likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after addressing a handful of minor items. Expected work before move-in: install/verify GFCI protection in kitchen and bathrooms, confirm/install carbon monoxide alarm where required, seal/caulk tubs and trim, confirm functional heating/HVAC and water heater, install/verify secure deadbolt on entry, and supply or document kitchen appliances. With those checks and small repairs completed it should be rent-ready within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 74.0,
"rationale": "Interior photos show recent cosmetic updates (fresh paint, new vinyl plank flooring, tiled baths and kitchen). Cabinets and countertops look in serviceable condition. Minor finish deficiencies visible: baseboard/trim gaps, caulk/paint needed at tub thresholds, cracked/uneven concrete on front porch slab, and no stove or refrigerator shown in photos (missing appliances reduce score moderately). No major visible drywall damage or collapsed finishes."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 74.0,
"rationale": "Exterior vinyl siding, windows and foundation appear serviceable with no obvious foundation displacement or severe envelope failure. Front porch slab shows surface cracking/wear and edge deterioration. Yard and walkways are level; no standing water or major grading concerns visible. Crawlspace/foundation vents present. Some lower siding trim/finish at grade needs attention to prevent moisture intrusion."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (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 / NSPIRE Code Risk",
"score": 69.3,
"rationale": "A smoke detector is visible on the living room ceiling (positive). Bedrooms show window egress. No obvious exposed wiring, loose guardrails, or collapsed ceilings in photos. However: no carbon monoxide detector is visible, GFCI protection is not apparent at bathroom/kitchen receptacles (an outlet by a sink appears non-GFCI), and the front entry deadbolt/secure hardware is not clearly visible. Minor water-stain/finish irregularity in bathroom wall; tub threshold shows gaps needing caulk. These are fixable but would need attention before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 67.7,
"rationale": "Roof appears intact from street photo with no visible sagging or missing shingles. Floor-level HVAC registers are visible (suggests forced-air system present), and plumbing fixtures appear intact in both bathrooms and kitchen sink. Electrical panel not shown and condition of mechanical equipment and water heater cannot be confirmed from photos. No visible active leaks, but bathroom trim and tub seals need attention. Because major system components are not documented in images, a conservative moderate score is used."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"Missing kitchen appliances (stove/fridge) are not shown in photos; score reduced moderately for absence but not treated as inspection-fail unless unsafe gas/electrical hookups are present.",
"A smoke detector is visible in the living area; additional detectors (bedrooms/halls) and CO alarm are assumed not present or not photographed and should be added/verified per NSPIRE/local code.",
"Floor registers visible in photos indicate a forced-air HVAC system is present; functionality of heating/cooling and the water heater is not shown and is assumed serviceable but should be verified.",
"No electrical panel or service condition is visible in listing photos; assumed intact but should be inspected; lack of visible exposed wiring reduces risk.",
"No obvious major roof leaks, structural sagging, foundation movement, collapsed ceilings, or severe mold visible in photos; where finish irregularities exist they are treated as cosmetic/minor.",
"Property built in 1940 — potential lead-based paint risk exists historically, but painted surfaces in photos show no obvious peeling; lead-hazard testing/notifications assumed required by local regulations.",
"Rental history evidence from the snapshot is treated as a positive bonus and applied as a small readiness uplift in the overall score."
],
"score_method": "mean_of_criteria",
"overall_score": 71.2,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8442990767"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.