Property ID: 8447927542
417 Goldwire St SW, Birmingham, AL, 35211
Birmingham, AL
Money Down: $23,520
CoC Return: 12.87%
Monthly Cash Flow: $252
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,600
Closing Costs
$3,920
Total Down
$23,520
Investment Snapshot
Purchase Price
$98,000
Money Down
$23,520
Cash-on-Cash Return
12.87%
Rent
$1,061
Monthly Cash Flow
$252
Annual Cash Flow
$3,027
Debt Service / Mo
$522
Property Tax / Mo
$109
Insurance / Mo
$72
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,061
Payment Standard
$1,584
Rent
$1,061
Insurance
$72
Property Tax
$109
Management
$106
Utilities Allowance
$523
NOI (Monthly)
$774
Debt Service
$522
Cash Flow After Debt
$252
Quality Score: 72.10%
Confidence: 95.00%
Overall this 3BR/1BA brick bungalow appears largely turn-key with clean interior, intact exterior, functioning lights and appliances (electric range), and no visible structural or life-safety failures in the photos. Primary inspection risks are unverified mechanicals (HVAC and hot water) and unknown placement/quantity of code-required alarms and egress windows. With basic verification of HVAC/hot water and a few minor fixes (GFCI as needed, trim shrubs, add/verify detectors, supply refrigerator if required) this property is likely to pass an initial HCV/NSPIRE inspection within 1–3 weeks.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,061
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$98,000
Beds
3
Baths
1
Living Area
1,107 sqft
Lot Size
4,356 sqft
Year Built
1984
Days on Market
32
Capital Outlay
$23,520
Debt Service
$522
Property Tax / Mo
$109
Insurance / Mo
$72
Property Description
Welcome to this move-in ready 3 bedroom, 1 bath home conveniently located in southwest Birmingham. Fresh paint throughout gives this home a clean, updated feel, making it ready for its next owner to settle in right away. The location offers excellent convenience with easy access to major highways, downtown Birmingham, and nearby retail and dining along Lakeshore Parkway, while still being tucked into a residential neighborhood. Outdoor enthusiasts will appreciate the close proximity to Red Mountain Park, providing miles of trails, green space, and recreation just minutes from home. This property is a great opportunity for a first-time home buyer, investor, or anyone seeking an affordable home with room to personalize and make it their own. Whether you're looking to move in, rent out, or add your own touches over time, the potential here is undeniable. Priced to sell and offered as-is. Opportunities like this don't last long!
Utility Allowances
Heating
$93
Property details specify Central Heat. Electric fuel is assumed based on the presence of an electric water heater and stove. 'Elec Heat: Ala Power' was selected as the most common provider.
Cooling
$22
Property details specify Central Cooling. 'A/C: Alabama Power' was selected as the most common provider for electric air conditioning.
Water Heating
$56
Property details explicitly state 'Water Heaters: Electric (WTRHTR)'. 'Elec: Ala Power' was selected as the most common provider.
Cooking
$21
Property details explicitly state 'Cooktop-Electric' and 'Oven-Electric'. 'Elec: Ala Power' was selected as the most common provider.
Other Electric
$68
This covers general electricity for lights and outlets. 'Lights, Ref, Etc.: Ala Power' was selected as the most common provider.
Water
$78
Property details state 'Water Source: Public Water'. The 'Water: Birmingham' schedule option was chosen based on the property's location.
Sewer
$151
Property details state 'Sewer: Connected'. The allowance is a fixed value for the 3-bedroom unit size.
Trash Collection
$20
Standard utility for a single-family home. 'Jefferson City (Once per week)' was selected as a reasonable default for a property in Jefferson County.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so tenant-owned is assumed.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so tenant-owned is assumed.
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$710
DP3 Annual Estimate$1,010
DP1 Monthly Equivalent$59
DP3 Monthly Equivalent$84
Replacement Value$87,900
Basis1,107 sqft / 1984
Nearby Houses
Photo unavailable
429 Goldwire St SW
sold · 0.02 mi
Price: $16,500
3 bd / 1 ba · 994 sqft
Latest sale: $16,500 on Jul 02, 2019
Latest rent: $750 on Sep 27, 2019
Photo unavailable
152 5th Ave SW
sold · 0.02 mi
Price: $45,000
3 bd / 1 ba · 1,230 sqft
Latest sale: $45,000 on Jun 21, 2024
Latest rent: —
Photo unavailable
320 Goldwire St SW
sold · 0.05 mi
Price: $180,000
2 bd / 2 ba · 1,240 sqft
Latest sale: $180,000 on Jan 31, 2024
Latest rent: —
Photo unavailable
209 Goldwire Cir SW
sold · 0.06 mi
Price: $138,001
3 bd / 2 ba · 1,048 sqft
Latest sale: $138,001 on Sep 15, 2023
Latest rent: —
Photo unavailable
316 Goldwire St SW
sold · 0.06 mi
Price: $180,000
2 bd / 2 ba · 1,240 sqft
Latest sale: $180,000 on Mar 15, 2024
Latest rent: —
Photo unavailable
312 Goldwire St SW
for_sale · 0.07 mi
Price: $194,000
3 bd / 2 ba · 1,427 sqft
Latest sale: $203,000
Latest rent: —
Photo unavailable
125 4th Ave SW
sold · 0.08 mi
Price: $46,000
3 bd / 1 ba · 1,401 sqft
Latest sale: $46,000 on Jun 10, 2022
Latest rent: $750 on Feb 19, 2015
Photo unavailable
221 Goldwire Cir SW
sold · 0.08 mi
Price: $134,640
3 bd / 2 ba · 1,057 sqft
Latest sale: $134,640 on Feb 02, 2024
Latest rent: $1,400 on Jul 10, 2024
Photo unavailable
307 Goldwire St SW
for_sale · 0.09 mi
Price: $47,500
3 bd / 1 ba · 1,230 sqft
Latest sale: $26,900
Latest rent: $1,300 on Jan 05, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC system and water heater exist and are operational but their equipment is not visible in photos; this assessment assumes typical functioning systems unless inspection proves otherwise.
- Smoke detector is present (one visible) but number/locations are not fully verified; additional detectors or CO alarms may be required depending on local code and presence of gas appliances.
- Bedrooms have egress windows meeting code (not visible in photos); assumed typical for a 1984-built single-story home unless interior bedroom photos show otherwise.
- Electric range is present and assumed operable; refrigerator is not pictured and may need to be provided prior to move-in.
- Electrical panel, GFCI protection, and plumbing fixtures are assumed serviceable but were not visible/verified from provided images.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,274 | $96,700 | $18,800 |
| 2023 | $1,274 | $87,900 | $17,580 |
| 2022 | $893 | $73,400 | $14,680 |
| 2021 | $893 | $61,600 | $12,320 |
| 2020 | $893 | $61,600 | $12,320 |
| 2019 | $893 | $61,600 | $12,320 |
| 2016 | $736 | $50,800 | $10,160 |
| 2015 | $880 | $60,700 | $12,140 |
| 2013 | $844 | $46,500 | $9,300 |
| 2012 | $844 | $59,720 | $11,944 |
| 2011 | $858 | $60,700 | $12,140 |
| 2010 | $853 | $60,300 | $12,060 |
| 2009 | $853 | $60,300 | $12,060 |
| 2008 | $874 | $61,800 | $12,360 |
| 2007 | $828 | $58,500 | $11,700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-01 | Price Changed | $98,000 |
| 2026-01-14 | Listed | $100,000 |
| 2025-12-10 | Sold | $60,000 |
| 2009-03-30 | Listing removed | $62,000 |
| 2008-12-10 | Listed | $62,000 |
| 2008-01-12 | Listing removed | $79,900 |
| 2007-07-13 | Listed | $79,900 |
| 2006-11-06 | Sold | $12,000 |
| 2006-10-13 | Listed | $14,900 |
| 1994-02-04 | Sold | $35,000 |
Photo Gallery
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"list_price": 62000,
"listing_id": "504376303",
"last_update_date": "2009-03-31T02:11:43Z",
"last_status_change_date": "2009-03-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "412977",
"price_change_percentage": null
},
{
"date": "2008-01-12",
"price": 79900,
"listing": {
"status": "off_market",
"list_date": "2007-07-13T07:00:00Z",
"list_price": 79900,
"listing_id": "542652963",
"last_update_date": "2008-01-13T13:00:00Z",
"last_status_change_date": "2008-01-12T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "183 days",
"source_listing_id": "348070",
"price_change_percentage": null
},
{
"date": "2007-07-13",
"price": 79900,
"listing": {
"status": "off_market",
"list_date": "2007-07-13T07:00:00Z",
"list_price": 79900,
"listing_id": "542652963",
"last_update_date": "2008-01-13T13:00:00Z",
"last_status_change_date": "2008-01-12T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "348070",
"price_change_percentage": "+565.83%"
},
{
"date": "2006-11-06",
"price": 12000,
"listing": {
"status": "sold",
"list_date": "2006-10-13T07:00:00Z",
"list_price": 14900,
"listing_id": "542147755",
"last_update_date": "2006-11-13T22:32:00Z",
"last_status_change_date": "2006-11-06T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -2900,
"days_after_listed": "24 days",
"source_listing_id": "316815",
"price_change_percentage": "-19.46%"
},
{
"date": "2006-10-13",
"price": 14900,
"listing": {
"status": "sold",
"list_date": "2006-10-13T07:00:00Z",
"list_price": 14900,
"listing_id": "542147755",
"last_update_date": "2006-11-13T22:32:00Z",
"last_status_change_date": "2006-11-06T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "316815",
"price_change_percentage": "-57.43%"
},
{
"date": "1994-02-04",
"price": 35000,
"listing": null,
"event_name": "Sold",
"price_sqft": 31.616982836495033,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Final",
"permit_type_of_work": null,
"permit_effective_date": "Apr 17, 2007",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": null,
"permit_effective_date": "Apr 16, 2007",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8447927542",
"generated_at": "2026-02-16T02:45:03.477843Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.1
},
"utility_allowance": {
"zip_code": "35211",
"home_photo": "https://ap.rdcpix.com/aa7435015503c9f72968ad0191f28bbfl-m203353325s-w1280.jpg",
"rent_price": 1061.0,
"loan_amount": 78400.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/417-Goldwire-St-SW_Birmingham_AL_35211_M84479-27542",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 98000.0,
"loan_term_years": 30,
"annual_cash_flow": 9286.58,
"mortgage_monthly": 521.6,
"payment_standard": 1584.0,
"total_amount_out": 19600.0,
"additional_photos": [
"https://ap.rdcpix.com/aa7435015503c9f72968ad0191f28bbfl-m1871497605s-w1280.jpg",
"https://ap.rdcpix.com/aa7435015503c9f72968ad0191f28bbfl-m578210793s-w1280.jpg",
"https://ap.rdcpix.com/aa7435015503c9f72968ad0191f28bbfl-m1123474414s-w1280.jpg",
"https://ap.rdcpix.com/aa7435015503c9f72968ad0191f28bbfl-m2729913834s-w1280.jpg",
"https://ap.rdcpix.com/aa7435015503c9f72968ad0191f28bbfl-m1632806654s-w1280.jpg",
"https://ap.rdcpix.com/aa7435015503c9f72968ad0191f28bbfl-m368593821s-w1280.jpg",
"https://ap.rdcpix.com/aa7435015503c9f72968ad0191f28bbfl-m1552040597s-w1280.jpg",
"https://ap.rdcpix.com/aa7435015503c9f72968ad0191f28bbfl-m3127163985s-w1280.jpg",
"https://ap.rdcpix.com/aa7435015503c9f72968ad0191f28bbfl-m2124071582s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 71.67,
"monthly_cash_flow": 773.88,
"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 details specify Central Heat. Electric fuel is assumed based on the presence of an electric water heater and stove. 'Elec Heat: Ala Power' was selected as the most common provider.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property details specify Central Cooling. 'A/C: Alabama Power' was selected as the most common provider for electric air conditioning.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property details explicitly state 'Water Heaters: Electric (WTRHTR)'. 'Elec: Ala Power' was selected as the most common provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Property details explicitly state 'Cooktop-Electric' and 'Oven-Electric'. 'Elec: Ala Power' was selected as the most common provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "This covers general electricity for lights and outlets. 'Lights, Ref, Etc.: Ala Power' was selected as the most common provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property details state 'Water Source: Public Water'. The 'Water: Birmingham' schedule option was chosen based on the property's location.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details state 'Sewer: Connected'. The allowance is a fixed value for the 3-bedroom unit size.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Standard utility for a single-family home. 'Jefferson City (Once per week)' was selected as a reasonable default for a property in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance, so tenant-owned is assumed.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance, so tenant-owned is assumed.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.47,
"down_payment_amount": 19600.0,
"property_tax_annual": 1312.22,
"property_tax_monthly": 109.35,
"property_tax_increase": 0.03,
"utility_allowance_total": 523.0,
"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": 3027.41,
"property_management_monthly": 106.1,
"monthly_cash_flow_after_debt": 252.28,
"cash_on_cash_return_after_debt": 0.15
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3BR/1BA brick bungalow appears largely turn-key with clean interior, intact exterior, functioning lights and appliances (electric range), and no visible structural or life-safety failures in the photos. Primary inspection risks are unverified mechanicals (HVAC and hot water) and unknown placement/quantity of code-required alarms and egress windows. With basic verification of HVAC/hot water and a few minor fixes (GFCI as needed, trim shrubs, add/verify detectors, supply refrigerator if required) this property is likely to pass an initial HCV/NSPIRE inspection within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Photos show a clean, recently painted interior, intact tile flooring, functioning light fixtures and ceiling fans, and an intact exterior brick envelope. Minor deferred items visible: overgrown shrubs at foundation, some exterior trim/soffit paint wear, and no refrigerator visible in photos (range/oven present). No obvious interior damage (no collapsed ceilings, exposed subfloor, or large holes). These are generally cosmetic/low-cost fixes and would not likely block an initial inspection."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "Visible positive indicators: at least one ceiling-mounted smoke detector is visible in photos and the front entry shows a deadbolt. No signs of active water intrusion, peeling paint, visible mold, or unsafe stairs/guardrails. Unknowns that reduce score: GFCI presence in kitchen/bath not visible, bedroom egress windows cannot be confirmed from provided photos, and number/placement of smoke detectors/carbon monoxide alarms is unknown. Overhead service and meter appear intact with no obvious exposed live conductors in photos."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Exterior roof appears to be in serviceable condition (shingles intact, no visible sagging or active leaks). Electric meter/connection and vent stacks are visible and appear intact. Kitchen shows an electric range and washer hookup area. Major systems not verifiable from photos: central HVAC condenser and water heater are not shown, and electrical panel location/condition and plumbing/hot water operation are unconfirmed. Because HVAC and hot water are required for pass and are not visible, there's moderate inspection risk until operational verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Property sits on a large, level lot with paved walkway and driveway; foundation appears level and there are no visible large foundation cracks or erosion issues in provided photos. Brick siding and yard are generally well-kept. Some landscaping/brush trimming recommended to keep shrubs away from windows/foundation and improve ingress/egress visibility. No standing water, collapsed walkways, or obvious site drainage failures observed."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Central HVAC system and water heater exist and are operational but their equipment is not visible in photos; this assessment assumes typical functioning systems unless inspection proves otherwise.",
"Smoke detector is present (one visible) but number/locations are not fully verified; additional detectors or CO alarms may be required depending on local code and presence of gas appliances.",
"Bedrooms have egress windows meeting code (not visible in photos); assumed typical for a 1984-built single-story home unless interior bedroom photos show otherwise.",
"Electric range is present and assumed operable; refrigerator is not pictured and may need to be provided prior to move-in.",
"Electrical panel, GFCI protection, and plumbing fixtures are assumed serviceable but were not visible/verified from provided images."
],
"overall_score": 71.0,
"rubric_version": "ns_prealign_v1"
},
{
"summary": "Overall the property appears in generally good cosmetic and structural condition and would likely pass a first Housing Choice Voucher/NSPIRE inspection after addressing a handful of minor items (trim shrubs, confirm/replace missing refrigerator, confirm GFCI and CO protection). The biggest unknown that impacts pass likelihood is verification of a working heating system/HVAC and water heater. If HVAC and hot water are present and functional, this property is likely rent-ready within 1–4 weeks after minor fixes; if heating is absent or nonfunctional, more substantial repairs will be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show fresh paint, intact tile floors, working interior lighting, ceiling fans, and generally tidy cosmetic condition. Exterior brick and roof appear in good condition with no visible sagging or active collapse. Minor items observed: overgrown shrubs at foundation (trim needed), small area of mismatched tile in kitchen, no refrigerator shown (stove present), and typical wear at door thresholds. These are mostly easy/low-cost fixes and cosmetic—no major deferred maintenance visible."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No visible life‑threatening hazards in photos: ceilings even, no collapsed areas, no standing water, no visible exposed wiring, and the electrical meter/panel is enclosed on the exterior. A round smoke/CO style detector is visible in the hallway ceiling (photo), improving compliance odds. Unknown/uncertain items: presence of carbon monoxide alarm(s) not confirmed, GFCI protection in kitchen/bath not visible, and deadbolt on entry door is not clearly shown. Bedroom egress windows appear to be standard size but cannot be fully measured from photos. Overall modest safety risk due to a few unverified items that are commonly corrected quickly."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Roof appears recently shingled or in good visual condition (no visible leaks or missing shingles). Electrical service and meter exist and look intact. Plumbing fixtures and hot water cannot be confirmed from photos; no visible water stains or mold indicating active leaks. Major unknown: no exterior central HVAC condenser or clear HVAC equipment is visible in photos — possible window units or interior system not shown. Washer/dryer hookup location is visible in kitchen area. Because HVAC and water‑heater condition are unverified from images, I score conservatively; if HVAC is absent or nonfunctional this would become a major issue."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Property sits on a level lot with adequate yard area and clear egress to street. Driveway and pedestrian walkway to front door are present and functional; no trip hazards or broken guardrails observed. Brick exterior and foundation visible areas look solid with no large cracks or separation. Landscaping is a bit overgrown around windows which should be trimmed, and some gravel/soft spots in the parking area could be improved. No evidence of standing water or visible infestation in photos."
}
],
"red_flags": [
"No visible exterior HVAC condenser or clear heating system in photos — potential absence or nonworking heating/AC (major inspection fail if no heat)."
],
"confidence": 0.6,
"assumptions": [
"Interior photos show a smoke/CO style detector in the hallway; I assume at least one functioning smoke alarm is installed.",
"No exterior central condenser was visible in photos; I assume a heating/cooling system exists but its type and working condition are unverified.",
"Water heater and active hot water are present but not shown; plumbing appears intact with no visible leaks.",
"Kitchen stove (electric coil) is present and assumed operable; refrigerator is not pictured and likely not furnished.",
"Windows pictured provide typical egress size for bedrooms, but exact dimensions and emergency egress compliance are unverified.",
"Electrical service/panel exists (meter and exterior disconnect box visible) and is assumed to be functional and up to code unless inspection shows otherwise."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/1BA brick single‑family home appears largely turnkey with fresh paint, intact finishes, working lighting and a stove installed. The exterior and roof appear in good visual condition and there are no photographed life‑safety failures (no collapsed ceilings, severe water damage, or exposed high‑voltage wiring). Primary uncertainties that reduce inspection pass confidence are unverified HVAC and water‑heater condition, unknown GFCI protection in kitchen/bath, and lack of confirmation of CO alarm if fuel appliances exist. With targeted verification of mechanical systems and installation/confirmation of GFCI/CO protection (if required), the property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks. Estimated readiness timeline: minor repairs and system verification 1–4 weeks; if HVAC/water‑heater repairs are needed, add time accordingly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 80.0,
"rationale": "Interior and exterior photos show a mostly clean, recently painted interior, intact tile floors, working ceiling fans and light fixtures, and an installed stove. Exterior brick envelope and roof appear in good visual condition with limited visible damage. Minor items observed: overgrown/shrubs tight to foundation, some staining/discoloration at lower brick at front, and no refrigerator shown in photos (appliance absence reduces score moderately). Overall condition indicates only minor cosmetic and small maintenance tasks are likely required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 75.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings intact (no sagging or water stains), no collapsed areas, no visible exposed wiring, and entry door appears to have two locks. A smoke detector is visible in the hallway photo. Bedroom egress appears likely via full‑size windows. Unverifiable items that could affect score: GFCI protection at kitchen and bathroom outlets not visible, carbon monoxide alarm not visible (required if fuel‑burning appliances present), and plumbing/hot water functionality cannot be confirmed from photos. Because the core safety items appear present and no active hazards are visible, risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major building systems condition (roof, HVAC, electrical, plumbing)",
"score": 60.0,
"rationale": "Roof shingles and roof vents appear in good visual condition from photos, suggesting recent or serviceable roofing. Electrical service meter and a small exterior panel are visible and appear intact (no exposed conductors in photos). HOWEVER there is no clearly visible exterior HVAC condenser unit and no photos of the furnace/water heater or electrical panel interior; plumbing fixtures/hot water operation not confirmed. Because heating/AC and water‑heater status cannot be confirmed from available images, I assign a conservative score reflecting moderate risk until systems are verified operational."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate grounds",
"score": 78.0,
"rationale": "Property sits on a flat lot with usable driveway and walk approach; sidewalks and concrete drive show normal wear but serviceable. Brick siding and roofline appear sound with no visible foundation settling or major cracks. Vegetation is overgrown directly against the foundation (needs trimming). No standing water or obvious drainage issues are visible in photos. Chain link neighbor fences and general neighborhood context appear typical. Overall site condition is good with minor maintenance required."
}
],
"red_flags": [
"No visible exterior HVAC condenser or interior HVAC/furnace/water‑heater photos to confirm heating/AC and hot water — systems must be verified operational before inspection.",
"GFCI protection at kitchen and bathroom outlets not verifiable from photos — could cause an inspection failure if missing.",
"Shrubbery planted tight against foundation (potential moisture/termite access) and some staining at base of front brick — further exterior inspection recommended."
],
"confidence": 0.6,
"assumptions": [
"Interior photos are representative of the entire unit (no unseen major interior damage).",
"The stove shown is electric; no gas appliances are evident in photos (therefore CO detector requirement depends on final appliance inventory).",
"A smoke detector observed in the hallway is functional; additional detectors may be present but not photographed.",
"Electrical service appears intact at the meter and small exterior panel; full electrical panel condition inside the house is unknown.",
"No visible roof leaks or ceiling stains indicate no active significant roof leaks at time photos were taken.",
"HVAC condenser and water heater exist but were not photographed; their operational status is unverified and treated as a risk factor."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-v1.0-photo-assess-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "417 Goldwire St SW, Birmingham, AL, 35211",
"aggregate": {
"summary": "Overall this 3BR/1BA brick bungalow appears largely turn-key with clean interior, intact exterior, functioning lights and appliances (electric range), and no visible structural or life-safety failures in the photos. Primary inspection risks are unverified mechanicals (HVAC and hot water) and unknown placement/quantity of code-required alarms and egress windows. With basic verification of HVAC/hot water and a few minor fixes (GFCI as needed, trim shrubs, add/verify detectors, supply refrigerator if required) this property is likely to pass an initial HCV/NSPIRE inspection within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Photos show a clean, recently painted interior, intact tile flooring, functioning light fixtures and ceiling fans, and an intact exterior brick envelope. Minor deferred items visible: overgrown shrubs at foundation, some exterior trim/soffit paint wear, and no refrigerator visible in photos (range/oven present). No obvious interior damage (no collapsed ceilings, exposed subfloor, or large holes). These are generally cosmetic/low-cost fixes and would not likely block an initial inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 79.3,
"rationale": "Property sits on a large, level lot with paved walkway and driveway; foundation appears level and there are no visible large foundation cracks or erosion issues in provided photos. Brick siding and yard are generally well-kept. Some landscaping/brush trimming recommended to keep shrubs away from windows/foundation and improve ingress/egress visibility. No standing water, collapsed walkways, or obvious site drainage failures observed."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 71.7,
"rationale": "Visible positive indicators: at least one ceiling-mounted smoke detector is visible in photos and the front entry shows a deadbolt. No signs of active water intrusion, peeling paint, visible mold, or unsafe stairs/guardrails. Unknowns that reduce score: GFCI presence in kitchen/bath not visible, bedroom egress windows cannot be confirmed from provided photos, and number/placement of smoke detectors/carbon monoxide alarms is unknown. Overhead service and meter appear intact with no obvious exposed live conductors in photos."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 61.7,
"rationale": "Exterior roof appears to be in serviceable condition (shingles intact, no visible sagging or active leaks). Electric meter/connection and vent stacks are visible and appear intact. Kitchen shows an electric range and washer hookup area. Major systems not verifiable from photos: central HVAC condenser and water heater are not shown, and electrical panel location/condition and plumbing/hot water operation are unconfirmed. Because HVAC and hot water are required for pass and are not visible, there's moderate inspection risk until operational verification."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Central HVAC system and water heater exist and are operational but their equipment is not visible in photos; this assessment assumes typical functioning systems unless inspection proves otherwise.",
"Smoke detector is present (one visible) but number/locations are not fully verified; additional detectors or CO alarms may be required depending on local code and presence of gas appliances.",
"Bedrooms have egress windows meeting code (not visible in photos); assumed typical for a 1984-built single-story home unless interior bedroom photos show otherwise.",
"Electric range is present and assumed operable; refrigerator is not pictured and may need to be provided prior to move-in.",
"Electrical panel, GFCI protection, and plumbing fixtures are assumed serviceable but were not visible/verified from provided images."
],
"score_method": "mean_of_criteria",
"overall_score": 72.1,
"rubric_version": "ns_prealign_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8447927542"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.