5133 Oak Dr, Marrero, LA, 70072
Marrero, LA
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 80.40%
Confidence: 79.00%
This raised cottage appears well-renovated and is largely turnkey for rental after a short, focused punch list. The home shows new exterior finishes, a sound roof, updated kitchen and baths, central HVAC vents, and functioning major appliances. The main inspection risks are code-related items that are not visible in photos but commonly required: smoke detectors in all sleeping areas, carbon monoxide detector (due to gas range), GFCI protection at kitchen wet locations or verification at panel, and installation of a handrail at the front steps if the rise requires one. No major structural, roof, active leak, or electrical hazard was visible in the provided images. With verification/installation of required detectors/GFCI and minor porch/handrail work, the property is likely to pass an initial HCV/NSPIRE inspection within 7–30 days.
Property Fundamentals
Property Description
Beautifully refinished raised cottage-style home on almost an 1/2 an acre lot, in the heart of Marrero. Full of character, each room offers something unique-from European wallpaper to a custom stained-glass pantry door, custom cabinetry, and beautifully updated bathrooms. Featuring 3 bedrooms plus a flexible front room for a 4th bedroom or office, and 2 uniquely designed baths. The primary suite includes an additional washer/dryer hookup and an oversized closet spanning the length of the room. Enjoy outdoor living with a screened-in patio and deck surrounding an above-ground pool, plus two sheds, a workshop, and RV parking with hookups. This home is truly one of a kind.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
View QuoteNearby Houses
5209 Oak Dr
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5041 Oak Dr
5144 Richland Dr
5046 Richland Dr
Properties Used for Comps
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos represent current condition throughout the home; no hidden active leaks or ceiling/floor sag beyond what is visible.
- Kitchen appliances shown (range, refrigerator, dishwasher) are functional; gas range is present and properly vented.
- Central HVAC is present and operational (ceiling vent visible) though service records not provided.
- Water heater, electrical panel and plumbing main are present and functioning though not visible in photos.
- Bedrooms have standard-sized windows that meet egress requirements, though exact dimensions are not measurable from photos.
- Above-ground pool and deck exist as described in listing; any required pool barrier/fencing is not visible in photos and may need addition to meet local safety codes.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,564 | $194,800 | $19,480 |
| 2024 | $2,556 | $194,800 | $19,480 |
| 2023 | $2,671 | $194,800 | $19,480 |
| 2022 | $2,606 | $194,800 | $19,480 |
| 2021 | $2,464 | $194,800 | $19,480 |
| 2020 | $2,411 | $194,800 | $19,480 |
| 2019 | $1,312 | $101,000 | $10,100 |
| 2018 | $888 | $72,900 | $7,290 |
| 2017 | $854 | $72,900 | $7,290 |
| 2016 | $838 | $72,900 | $7,290 |
| 2015 | $870 | $74,400 | $7,440 |
| 2014 | $860 | $74,400 | $7,440 |
| 2013 | $856 | $74,400 | $7,440 |
| 2010 | $799 | $74,400 | $7,440 |
| 2009 | $798 | $74,400 | $7,440 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-24 | Listed | $275,000 |
| 2019-06-11 | Sold | $0 |
| 2019-06-05 | Listing removed | $209,000 |
| 2019-05-06 | Listed | $209,000 |
Photo Gallery
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"building": 14580
}
},
{
"tax": 1312,
"year": 2019,
"market": {
"land": 49000,
"total": 101000,
"building": 52000
},
"assessment": {
"land": 4900,
"total": 10100,
"building": 5200
}
},
{
"tax": 888,
"year": 2018,
"market": {
"land": 24600,
"total": 72900,
"building": 48300
},
"assessment": {
"land": 2460,
"total": 7290,
"building": 4830
}
},
{
"tax": 854,
"year": 2017,
"market": {
"land": 24600,
"total": 72900,
"building": 48300
},
"assessment": {
"land": 2460,
"total": 7290,
"building": 4830
}
},
{
"tax": 838,
"year": 2016,
"market": {
"land": 24600,
"total": 72900,
"building": 48300
},
"assessment": {
"land": 2460,
"total": 7290,
"building": 4830
}
},
{
"tax": 870,
"year": 2015,
"market": {
"land": 24600,
"total": 74400,
"building": 49800
},
"assessment": {
"land": 2460,
"total": 7440,
"building": 4980
}
},
{
"tax": 860,
"year": 2014,
"market": {
"land": 24600,
"total": 74400,
"building": 49800
},
"assessment": {
"land": 2460,
"total": 7440,
"building": 4980
}
},
{
"tax": 856,
"year": 2013,
"market": {
"land": 24600,
"total": 74400,
"building": 49800
},
"assessment": {
"land": 2460,
"total": 7440,
"building": 4980
}
},
{
"tax": 799,
"year": 2010,
"market": {
"land": 24600,
"total": 74400,
"building": 49800
},
"assessment": {
"land": 2460,
"total": 7440,
"building": 4980
}
},
{
"tax": 798,
"year": 2009,
"market": {
"land": 24600,
"total": 74400,
"building": 49800
},
"assessment": {
"land": 2460,
"total": 7440,
"building": 4980
}
}
],
"property_history": [
{
"date": "2026-03-24",
"price": 275000,
"listing": {
"status": "for_sale",
"list_date": "2026-03-24T17:10:50Z",
"list_price": 275000,
"listing_id": "2992879229",
"last_update_date": "2026-03-25T10:42:22Z",
"last_status_change_date": "2026-03-24T17:10:50Z"
},
"event_name": "Listed",
"price_sqft": 130.95238095238096,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2549210",
"price_change_percentage": null
},
{
"date": "2019-06-11",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2019-06-05",
"price": 209000,
"listing": {
"status": "off_market",
"list_date": "2019-05-06T19:04:56Z",
"list_price": 209000,
"listing_id": "2298959137",
"last_update_date": "2019-06-05T12:22:39Z",
"last_status_change_date": "2019-06-05T17:52:54Z"
},
"event_name": "Listing removed",
"price_sqft": 99.52380952380952,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": "30 days",
"source_listing_id": "2202370",
"price_change_percentage": null
},
{
"date": "2019-05-06",
"price": 209000,
"listing": {
"status": "off_market",
"list_date": "2019-05-06T19:04:56Z",
"list_price": 209000,
"listing_id": "2298959137",
"last_update_date": "2019-06-05T12:22:39Z",
"last_status_change_date": "2019-06-05T17:52:54Z"
},
"event_name": "Listed",
"price_sqft": 99.52380952380952,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2202370",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": null,
"permit_effective_date": "Jan 19, 2022",
"permit_project_type_1": "Foundations",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": null,
"permit_effective_date": "Jun 21, 2019",
"permit_project_type_1": "Residential",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8445791644",
"generated_at": "2026-03-27T02:46:19.559959Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 80.4
},
"utility_allowance": {
"zip_code": "70072",
"home_photo": "https://ap.rdcpix.com/c53a48b61ee3b9d2407a3fe04dec0bbfl-m1190778080s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 220000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/5133-Oak-Dr_Marrero_LA_70072_M84457-91644",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 275000.0,
"loan_term_years": 30,
"annual_cash_flow": 13711.88,
"mortgage_monthly": 1463.67,
"payment_standard": 1983.0,
"total_amount_out": 55000.0,
"additional_photos": [
"https://ap.rdcpix.com/c53a48b61ee3b9d2407a3fe04dec0bbfl-m85290442s-w1280.jpg",
"https://ap.rdcpix.com/c53a48b61ee3b9d2407a3fe04dec0bbfl-m3071768776s-w1280.jpg",
"https://ap.rdcpix.com/c53a48b61ee3b9d2407a3fe04dec0bbfl-m3489627617s-w1280.jpg",
"https://ap.rdcpix.com/c53a48b61ee3b9d2407a3fe04dec0bbfl-m2788011873s-w1280.jpg",
"https://ap.rdcpix.com/c53a48b61ee3b9d2407a3fe04dec0bbfl-m3953456294s-w1280.jpg",
"https://ap.rdcpix.com/c53a48b61ee3b9d2407a3fe04dec0bbfl-m2808270858s-w1280.jpg",
"https://ap.rdcpix.com/c53a48b61ee3b9d2407a3fe04dec0bbfl-m3184129879s-w1280.jpg",
"https://ap.rdcpix.com/c53a48b61ee3b9d2407a3fe04dec0bbfl-m3984232833s-w1280.jpg",
"https://ap.rdcpix.com/c53a48b61ee3b9d2407a3fe04dec0bbfl-m110810883s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 163.67,
"monthly_cash_flow": 1142.66,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'natural_gas' for a 3-bedroom unit. The property has central heating and is explicitly listed as having natural gas service.",
"utility": "Heating (Natural Gas)",
"allowance": 70
},
{
"note": "Selected 'natural_gas' for a 3-bedroom unit. The property provides an oven and has natural gas service, making it the most probable fuel type.",
"utility": "Cooking (Natural Gas)",
"allowance": 12
},
{
"note": "Selected 'natural_gas' for a 3-bedroom unit. The property has natural gas service, which is commonly used for water heating.",
"utility": "Water Heating (Natural Gas)",
"allowance": 24
},
{
"note": "Standard allowance for a 3-bedroom unit covering general electricity for lights, outlets, and tenant-owned appliances. A refrigerator is provided, but a microwave is not mentioned.",
"utility": "Other Electric",
"allowance": 67
},
{
"note": "Standard allowance for a 3-bedroom unit. The property is explicitly listed as having a 'Public' water source.",
"utility": "Water",
"allowance": 43
},
{
"note": "Standard allowance for a 3-bedroom unit. The property is explicitly listed as having 'City' sewer service.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "Standard fixed allowance for a 3-bedroom unit. Assumed as a standard municipal service for a single-family detached home.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.25,
"down_payment_amount": 55000.0,
"property_tax_annual": 2640.92,
"property_tax_monthly": 220.08,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -3852.11,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -321.01,
"cash_on_cash_return_after_debt": -0.07
},
"section8_assessment": {
"runs": [
{
"summary": "This raised cottage appears well-renovated and is largely turnkey for rental after a short, focused punch list. The home shows new exterior finishes, a sound roof, updated kitchen and baths, central HVAC vents, and functioning major appliances. The main inspection risks are code-related items that are not visible in photos but commonly required: smoke detectors in all sleeping areas, carbon monoxide detector (due to gas range), GFCI protection at kitchen wet locations or verification at panel, and installation of a handrail at the front steps if the rise requires one. No major structural, roof, active leak, or electrical hazard was visible in the provided images. With verification/installation of required detectors/GFCI and minor porch/handrail work, the property is likely to pass an initial HCV/NSPIRE inspection within 7–30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Property appears recently renovated with new-looking exterior paint/siding, new roof shingles, updated kitchens and baths, intact tile flooring and cabinetry and appliances visible (refrigerator, dishwasher, range). Cosmetic finishes (wallpaper, painted trim) are in good shape. Minor repair items visible or likely: front porch step shows no handrail, some exterior porch/step wood may need sealing, small concrete staining on carport, and general touch-up around trim. Missing appliances are not an issue here because major kitchen appliances are present. Overall only minor, easy-to-fix items observed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No visible life-threatening hazards: ceilings and walls look sound, no visible roof/ceiling sag, no standing water or active leaks, no exposed wiring. A smoke detector is visible in the main living area. Unconfirmed/likely issues: no visible smoke detectors in bedrooms (required), no visible carbon monoxide detector (likely required because a gas range is present), GFCI-type receptacles around kitchen sink are not clearly identified in photos (GFCI protection required), and the small front steps currently have no handrail which may be required depending on riser/height. Bedroom egress windows appear conventional but full sizes not verifiable. These are moderate inspection risks that are typically resolved quickly (install detectors, GFCI outlets or breakers, add handrail)."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 75.0,
"rationale": "Visible evidence of central HVAC supply/return vents in ceilings suggests functioning HVAC. Roof shingles appear new and in good condition. Kitchen appliances shown and look modern (stainless fridge, range, dishwasher). Water heater, electrical panel, and detailed plumbing connections are not shown; no visible water stains or plumbing leaks noted in interior photos. Because critical equipment (panel, water heater) couldn't be confirmed, a conservative moderate score is used; nothing visible indicates system failure, but verification would be required during inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Front yard, driveway and concrete carport are in good condition. Siding, trim and gutters appear intact and well maintained. The property includes screened patio, deck and above-ground pool (listing) — photos show deck and ample yard, sheds and RV parking claimed. Potential site safety consideration: above-ground pool barrier/fencing is not shown and may require compliant pool barrier depending on local code; otherwise no visible erosion, foundation cracks, or significant site neglect. Overall exterior is well maintained."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior photos represent current condition throughout the home; no hidden active leaks or ceiling/floor sag beyond what is visible.",
"Kitchen appliances shown (range, refrigerator, dishwasher) are functional; gas range is present and properly vented.",
"Central HVAC is present and operational (ceiling vent visible) though service records not provided.",
"Water heater, electrical panel and plumbing main are present and functioning though not visible in photos.",
"Bedrooms have standard-sized windows that meet egress requirements, though exact dimensions are not measurable from photos.",
"Above-ground pool and deck exist as described in listing; any required pool barrier/fencing is not visible in photos and may need addition to meet local safety codes."
],
"overall_score": 76.0,
"rubric_version": "ns-2026-03-v1"
},
{
"summary": "This raised cottage appears largely turnkey for Section 8 tenancy after a recent, high-quality interior and exterior renovation. Most visible items meet NSPIRE expectations: intact finishes, smoke detector present, secure entry, functioning appliances, new roof and good site condition. Primary inspection risks are documentation/verification items and a few small safety fixes likely required: confirm presence/installation of carbon-monoxide alarm (if required by local code), verify GFCI protection in kitchen/bath, confirm operation/age of HVAC and water heater, and address pool perimeter fencing or access control if required. Expected to pass initial HCV inspection with 1-2 minor corrective items or within 30 days after simple fixes if any are required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior photos show recent, high-quality cosmetic renovation: new tile floors, painted walls, renovated bathrooms, updated cabinetry and countertops, and modern stainless appliances (refrigerator, range, dishwasher) present. Exterior siding and paint appear fresh and roof shingles look new. Minor items observed: exterior front porch step wood shows light weathering and porch step trim could use finishing; no obvious deferred maintenance or major cosmetic defects. Missing appliances are not an issue here because main appliances are shown. Overall turnkey cosmetic condition with only small touch-ups expected."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "Positive indicators: visible ceiling smoke detector, secure front entry with deadbolt, no exposed wiring or visible trip hazards in photos, interior finishes appear intact and free of mold staining. Uncertainties/risks: no carbon-monoxide detector visible (likely required if gas range or fuel-burning appliances present), GFCI protection for kitchen counter outlets not clearly visible, bedroom egress windows cannot be fully measured from photos (windows appear typical and likely compliant), above-ground pool and deck present but no pool fencing shown — this can be a safety concern depending on local code/insurer and could require remedy. Electrical panel, condition of stair handrail thresholds, and hot water availability not shown. These unknowns reduce the safety score moderately but do not indicate immediate life-threatening defects in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 78.0,
"rationale": "Roof appears in good condition with modern shingles. Interior ceiling supply/return vents and recessed lighting indicate a central HVAC system is present (visible ceiling vent), and kitchen shows modern appliances including a large gas/dual-fuel-looking range and dishwasher. No water heater, HVAC equipment, or electrical panel shown in photos; plumbing fixtures appear modern and in working order (kitchen sink, dishwasher). Because vital systems are not directly visible but interior renovation suggests recent updates, score reflects likely good condition but retains moderate uncertainty due to lack of direct photos of water heater, electrical panel, and HVAC equipment/age."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior siding, trim, gutters and concrete driveway/carport are in good condition; property appears well maintained with an expansive lot, two sheds, workshop and RV hookups as described. No visible foundation cracks, sagging or standing water in provided images. Above-ground pool and surrounding deck are amenities but represent a potential site safety item (no fence shown). Overall the envelope and site look sound and maintained."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (ceiling vents visible); exact age/condition not photographed.",
"Water heater and electrical panel exist and are serviceable though not shown in photos.",
"Kitchen outlets near sink are either GFCI-protected at receptacle or by breaker; this could require verification and retrofit if absent.",
"Carbon-monoxide alarm is not visible in photos; assume none present or not shown and that a CO alarm may be required due to the gas range.",
"Bedroom windows provide required egress dimensions — windows appear typical but were not measured.",
"Above-ground pool perimeter fencing/locking access is not shown and may be required by local code or the inspector; assume none installed unless owner provides documentation."
],
"overall_score": 80.0,
"rubric_version": "ns-2026-v1"
},
{
"summary": "Overall the home appears to be a well-renovated, mostly turnkey single-family property that would likely pass an initial Section 8 / HCV (NSPIRE) inspection after verification of a few safety items. The interior finishes, working kitchen appliances, new-looking roof and HVAC vents indicate strong mechanical and cosmetic condition. Primary inspection risks to confirm and remediate if necessary are: presence/placement of carbon monoxide detector(s) (if required by local code), GFCI protection in kitchen/bath areas, a handrail for the front steps (if required), and a compliant barrier/gate for the above-ground pool/deck. Addressing those items should place the property solidly in the rent-ready category.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 88.0,
"rationale": "Photos show a recently renovated interior (new tile floors, fresh paint/wallpaper, updated cabinets, new countertops) and new-looking kitchen appliances (range, refrigerator, dishwasher). Exterior siding and roof appear in good condition; driveway and carport concrete look new. Minor items observed: front porch step shows weathered wood tread (could use replacement or anti-slip) and a few cosmetic finish details. Missing or damaged small trim/thresholds not evident. Overall minimal repair work required beyond minor finish/trim touch-ups."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 82.0,
"rationale": "A ceiling-mounted smoke detector is visible in the main living area. Central HVAC vents are present (suggests heating/cooling). No exposed wiring, visible electrical hazards, or obvious water intrusion noted in photos. Potential safety items not verifiable from images: carbon monoxide detector (not seen), GFCI protection of kitchen outlets (outlets visible but GFCI not confirmed), and bedroom egress window compliance (bedrooms not fully shown). Front entry steps do not show a handrail (may be required depending on riser/run) and the above-ground pool and deck/fencing configuration is not clearly shown; pool barrier requirements could cause an inspection failure if not provided. These are the primary NSPIRE risks to verify/fix prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 85.0,
"rationale": "Roof appears recently shingled with no visible sagging or active leaks. Central HVAC duct/vent is visible in photos indicating system presence; kitchen shows a modern vent hood likely tied to ventilation. Kitchen plumbing fixtures, sink and dishwasher are installed; a large range (gas) is present. Water heater, electrical panel, and sewer/drainage components are not shown; assumed operational based on recent remodel and functioning appliances. No evidence of structural or mechanical failure in photographs."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 88.0,
"rationale": "Exterior siding and paint look fresh; foundation appears level from visible elevations and there are no obvious major cracks or settlement signs. Concrete driveway and carport are in good condition. Property offers screened patio, deck and sheds and RV parking with hookups (listed) — positive for tenant amenities. Potential site items to confirm: pool barrier/fencing and any local flood-elevation/site drainage requirements given location; yard and walkways otherwise appear safe and maintained."
}
],
"red_flags": [
"Above-ground pool / deck: no clearly visible childproof barrier or self-closing gate in photos — potential immediate safety/code issue.",
"Front entry steps: no handrail visible on the primary exterior steps — may fail if handrail required by local code/NSPIRE depending on rise.",
"No carbon monoxide detector visible in photos (required where fuel-burning appliances or attached garages exist)."
],
"confidence": 0.75,
"assumptions": [
"Interior photos represent the most recent state of the property and renovations are complete.",
"Kitchen appliances shown (range, refrigerator, dishwasher) are present and operational.",
"Central HVAC exists and is functional (ceiling vent visible), though no service records or thermostat photos were provided.",
"Water heater and main plumbing system are present and operational but not visible in provided photos.",
"Electrical panel location and condition were not provided; no visible exposed wiring observed in photos.",
"Bedrooms have required egress windows; bedrooms themselves were not shown in detail.",
"No active roof leaks or concealed structural issues are present based solely on visible roof condition in photos.",
"Listing statement about RV hookups, sheds and pool is accurate; specific safety devices (pool barrier, pool ladder) were not photographed."
],
"overall_score": 86.0,
"rubric_version": "2026-03-hcv-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5133 Oak Dr, Marrero, LA, 70072",
"aggregate": {
"summary": "This raised cottage appears well-renovated and is largely turnkey for rental after a short, focused punch list. The home shows new exterior finishes, a sound roof, updated kitchen and baths, central HVAC vents, and functioning major appliances. The main inspection risks are code-related items that are not visible in photos but commonly required: smoke detectors in all sleeping areas, carbon monoxide detector (due to gas range), GFCI protection at kitchen wet locations or verification at panel, and installation of a handrail at the front steps if the rise requires one. No major structural, roof, active leak, or electrical hazard was visible in the provided images. With verification/installation of required detectors/GFCI and minor porch/handrail work, the property is likely to pass an initial HCV/NSPIRE inspection within 7–30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 83.7,
"rationale": "Property appears recently renovated with new-looking exterior paint/siding, new roof shingles, updated kitchens and baths, intact tile flooring and cabinetry and appliances visible (refrigerator, dishwasher, range). Cosmetic finishes (wallpaper, painted trim) are in good shape. Minor repair items visible or likely: front porch step shows no handrail, some exterior porch/step wood may need sealing, small concrete staining on carport, and general touch-up around trim. Missing appliances are not an issue here because major kitchen appliances are present. Overall only minor, easy-to-fix items observed."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 82.7,
"rationale": "Front yard, driveway and concrete carport are in good condition. Siding, trim and gutters appear intact and well maintained. The property includes screened patio, deck and above-ground pool (listing) — photos show deck and ample yard, sheds and RV parking claimed. Potential site safety consideration: above-ground pool barrier/fencing is not shown and may require compliant pool barrier depending on local code; otherwise no visible erosion, foundation cracks, or significant site neglect. Overall exterior is well maintained."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.7,
"rationale": "No visible life-threatening hazards: ceilings and walls look sound, no visible roof/ceiling sag, no standing water or active leaks, no exposed wiring. A smoke detector is visible in the main living area. Unconfirmed/likely issues: no visible smoke detectors in bedrooms (required), no visible carbon monoxide detector (likely required because a gas range is present), GFCI-type receptacles around kitchen sink are not clearly identified in photos (GFCI protection required), and the small front steps currently have no handrail which may be required depending on riser/height. Bedroom egress windows appear conventional but full sizes not verifiable. These are moderate inspection risks that are typically resolved quickly (install detectors, GFCI outlets or breakers, add handrail)."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 79.3,
"rationale": "Visible evidence of central HVAC supply/return vents in ceilings suggests functioning HVAC. Roof shingles appear new and in good condition. Kitchen appliances shown and look modern (stainless fridge, range, dishwasher). Water heater, electrical panel, and detailed plumbing connections are not shown; no visible water stains or plumbing leaks noted in interior photos. Because critical equipment (panel, water heater) couldn't be confirmed, a conservative moderate score is used; nothing visible indicates system failure, but verification would be required during inspection."
}
],
"red_flags": [],
"confidence": 0.79,
"assumptions": [
"Interior photos represent current condition throughout the home; no hidden active leaks or ceiling/floor sag beyond what is visible.",
"Kitchen appliances shown (range, refrigerator, dishwasher) are functional; gas range is present and properly vented.",
"Central HVAC is present and operational (ceiling vent visible) though service records not provided.",
"Water heater, electrical panel and plumbing main are present and functioning though not visible in photos.",
"Bedrooms have standard-sized windows that meet egress requirements, though exact dimensions are not measurable from photos.",
"Above-ground pool and deck exist as described in listing; any required pool barrier/fencing is not visible in photos and may need addition to meet local safety codes."
],
"score_method": "mean_of_criteria",
"overall_score": 80.4,
"rubric_version": "ns-2026-03-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8445791644"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.