Property ID: 8467090460
936 Parkway Dr, Birmingham, AL, 35215
Birmingham, AL
Money Down: $26,160
CoC Return: 15.80%
Monthly Cash Flow: $344
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,800
Closing Costs
$4,360
Total Down
$26,160
Investment Snapshot
Purchase Price
$109,000
Money Down
$26,160
Cash-on-Cash Return
15.80%
Rent
$1,223
Monthly Cash Flow
$344
Annual Cash Flow
$4,132
Debt Service / Mo
$580
Property Tax / Mo
$109
Insurance / Mo
$67
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,223
Payment Standard
$1,738
Rent
$1,223
Insurance
$67
Property Tax
$109
Management
$122
Utilities Allowance
$515
NOI (Monthly)
$925
Debt Service
$580
Cash Flow After Debt
$344
Quality Score: 69.40%
Confidence: 94.00%
This 3-bed bungalow appears to be in fair-to-good move-in condition with most major systems present (water heater, HVAC indications, kitchen appliances) and only moderate cosmetic and site repairs needed. The property looks likely to pass a Section 8 (HCV/NSPIRE) initial inspection after addressing a few predictable items — most importantly installing/confirming smoke and CO detectors, confirming GFCI in wet areas, addressing cracked walkway trip hazards, and documenting electrical panel and HVAC function. No major structural failures are evident in listing photos, but confirmation of detectors, GFCI, panel access, and HVAC operation is required before inspection.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$1,223
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,000
Beds
3
Baths
1
Living Area
1,062 sqft
Lot Size
11,326 sqft
Year Built
1951
Days on Market
9
Capital Outlay
$26,160
Debt Service
$580
Property Tax / Mo
$109
Insurance / Mo
$67
Property Description
Wow! Look at this price! Come see this 3 bedroom home located in a great location. Won't last long!
Utility Allowances
Cooking
$21
Property info lists 'Stove-Electric'. 'Elec: Ala Power' was chosen as the most common provider for a property in Birmingham. The allowance for a 3-bedroom unit is $21.
Heating
$93
Property info states 'Heating Features: Central' and 'Water Heaters: Electric', implying an all-electric system. 'Elec Heat: Ala Power' was selected. The allowance for a 3-bedroom unit is $93.
Cooling
$22
Property info lists 'Cooling Features: Central (COOL)'. 'A/C: Alabama Power' was selected as the most likely electric provider. The allowance for a 3-bedroom unit is $22.
Water Heating
$56
Property info explicitly states 'Water Heaters: Electric (WTRHTR)'. 'Elec: Ala Power' was selected. The allowance for a 3-bedroom unit is $56.
Other Electric
$68
This allowance for lights and other general electric use is applicable for tenants. 'Lights, Ref, Etc.: Ala Power' was selected for consistency. The allowance for a 3-bedroom unit is $68.
Water
$78
Property states 'Water Source: Public Water'. The schedule includes a 'Water: Birmingham' option, which matches the property's city. The allowance for a 3-bedroom unit is $78.
Sewer
$151
Property info indicates 'Sewer: Connected'. The schedule provides a single fixed rate for sewer. The allowance for a 3-bedroom unit is $151.
Trash Collection
$20
The property is located in Birmingham. As no specific option for Birmingham exists, 'Jefferson City (Once per week)' was selected as the most reasonable default for a property in Jefferson County. The allowance is $20.
Range/Microwave (tenant-owned)
$6
A microwave is not mentioned as a provided appliance, so the tenant is assumed to provide their own. The allowance is $6.
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$657
DP3 Annual Estimate$949
DP1 Monthly Equivalent$55
DP3 Monthly Equivalent$79
Replacement Value$74,300
Basis1,062 sqft / 1951
Nearby Houses
Photo unavailable
929 Five Mile Rd
sold · 0.03 mi
Price: $100,000
3 bd / 1 ba · 1,199 sqft
Latest sale: $100,000 on May 03, 2024
Latest rent: $1,250 on May 30, 2024
Photo unavailable
937 Five Mile Rd
sold · 0.04 mi
Price: $75,000
3 bd / 1 ba · 1,198 sqft
Latest sale: $75,000 on Jun 10, 2025
Latest rent: $1,325 on Sep 04, 2025
Photo unavailable
921 Five Mile Rd
sold · 0.04 mi
Price: $125,000
3 bd / 1 ba · 1,221 sqft
Latest sale: $125,000 on Jun 30, 2023
Latest rent: $1,500 on Dec 17, 2025
Photo unavailable
937 5 Mile Rd
off_market · 0.04 mi
Price: $1,325
3 bd / 2 ba · 1,197 sqft
Latest sale: —
Latest rent: —
Photo unavailable
945 Parkway Dr
sold · 0.05 mi
Price: $50,000
2 bd / 1 ba · 940 sqft
Latest sale: $50,000 on Jan 09, 2020
Latest rent: —
Photo unavailable
920 Parkway Dr
sold · 0.06 mi
Price: $72,500
3 bd / 1 ba · 1,286 sqft
Latest sale: $72,500 on Oct 16, 2020
Latest rent: —
Photo unavailable
932 5 Mile Rd
off_market · 0.07 mi
Price: $1,250
3 bd / 1 ba
Latest sale: —
Latest rent: —
Photo unavailable
956 Parkway Dr
sold · 0.07 mi
Price: $100,000
3 bd / 1 ba · 1,147 sqft
Latest sale: $100,000 on Sep 19, 2022
Latest rent: $835 on Aug 07, 2019
Photo unavailable
909 Five Mile Rd
for_sale · 0.08 mi
Price: $115,000
3 bd / 3 ba · 1,532 sqft
Latest sale: $112,500 on Dec 08, 2021
Latest rent: $1,095 on Jun 04, 2025
Photo unavailable
909 5 Mile Rd
off_market · 0.08 mi
Price: $895
3 bd / 2 ba · 1,532 sqft
Latest sale: —
Latest rent: —
Photo unavailable
944 Five Mile Rd
sold · 0.08 mi
Price: $59,900
3 bd / 1 ba
Latest sale: $59,900 on Jun 10, 2016
Latest rent: —
Photo unavailable
960 Parkway Dr
sold · 0.09 mi
Price: $164,000
3 bd / 2 ba · 2,161 sqft
Latest sale: $164,000 on Oct 28, 2024
Latest rent: —
Photo unavailable
948 Five Mile Rd
sold · 0.09 mi
Price: $167,800
3 bd / 2 ba · 1,412 sqft
Latest sale: $167,800 on Aug 02, 2021
Latest rent: —
Photo unavailable
961 Parkway Dr
sold · 0.09 mi
Price: $76,500
3 bd / 1 ba · 1,221 sqft
Latest sale: $76,500 on Sep 13, 2023
Latest rent: $1,095 on Feb 12, 2025
Photo unavailable
900 Meadowbrook Dr
sold · 0.10 mi
Price: $110,000
3 bd / 1 ba · 1,128 sqft
Latest sale: $110,000 on Aug 30, 2021
Latest rent: $1,045 on Mar 17, 2025
Photo unavailable
957 Five Mile Rd
sold · 0.10 mi
Price: $83,000
3 bd / 1 ba · 1,145 sqft
Latest sale: $83,000 on Jun 21, 2024
Latest rent: $1,215 on Jan 01, 2025
Photo unavailable
904 Parkway Dr
sold · 0.11 mi
Price: $135,000
3 bd / 1 ba · 1,199 sqft
Latest sale: $135,000 on Apr 30, 2025
Latest rent: —
Photo unavailable
940 Meadowbrook Dr
sold · 0.11 mi
Price: $108,000
4 bd / 1 ba · 1,149 sqft
Latest sale: $108,000 on Dec 19, 2025
Latest rent: $1,300 on Jan 27, 2026
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon-monoxide alarms in interior photos (must be installed/verified for NSPIRE).
- Front walkway and driveway have multiple cracks and uneven surfaces creating trip hazards.
- Vegetation/shrubbery close to siding and foundation — potential for moisture intrusion if not cleared.
Assumptions
- Central HVAC is present and functional (inferred from floor vents), though the condenser/power unit and exact condition were not shown.
- Water heater is installed and operable; photos show a gas/vented or electric tank but age is unknown.
- Electrical panel was not photographed; assumed intact and serviceable unless a subsequent inspection shows otherwise.
- Smoke and carbon monoxide alarms are not visible in photos and should be assumed to be absent or not verified.
- Kitchen and laundry plumbing are functional; laundry hookups shown next to water heater indicate utility connections exist.
- Roof has no active leaks or major failure (no sagging or water stains visible from interior/exterior photos).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,273 | $91,300 | $18,260 |
| 2023 | $1,273 | $87,800 | $17,560 |
| 2022 | $1,158 | $79,900 | $15,980 |
| 2021 | $987 | $68,100 | $13,620 |
| 2020 | $981 | $67,700 | $13,540 |
| 2019 | $981 | $67,700 | $13,540 |
| 2018 | $814 | $56,200 | $11,240 |
| 2017 | $814 | $56,200 | $11,240 |
| 2016 | $814 | $56,200 | $11,240 |
| 2015 | $814 | $56,200 | $11,240 |
| 2013 | $786 | $55,500 | $11,100 |
| 2012 | $786 | $55,500 | $11,100 |
| 2011 | $796 | $73,400 | $14,680 |
| 2010 | $1,035 | $73,400 | $14,680 |
| 2009 | $1,035 | $73,400 | $14,680 |
| 2008 | $1,057 | $75,000 | $15,000 |
| 2007 | $1,046 | $74,200 | $14,840 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2010-03-12 | Sold | $26,000 |
| 2009-12-29 | Sold | $48,147 |
| 2004-03-19 | Sold | $55,082 |
| 2000-06-06 | Sold | $60,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2013-07-02 | Listed for rent | $650 | — |
| 2012-05-11 | Listed for rent | $650 | — |
Photo Gallery
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"listing_id": "541813159",
"last_update_date": "2008-04-12T04:28:53Z",
"last_status_change_date": "2008-04-11T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "1 day",
"source_listing_id": "375358",
"price_change_percentage": null
},
{
"date": "2008-04-10",
"price": 74900,
"listing": {
"status": "off_market",
"list_date": "2008-04-10T07:00:00Z",
"list_price": 74900,
"listing_id": "542579223",
"last_update_date": "2008-09-23T21:07:41Z",
"last_status_change_date": "2008-09-23T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "386351",
"price_change_percentage": null
},
{
"date": "2008-01-17",
"price": 74900,
"listing": {
"status": "off_market",
"list_date": "2008-01-17T07:00:00Z",
"list_price": 74900,
"listing_id": "541813159",
"last_update_date": "2008-04-12T04:28:53Z",
"last_status_change_date": "2008-04-11T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "375358",
"price_change_percentage": null
},
{
"date": "2005-06-30",
"price": 56900,
"listing": {
"status": "off_market",
"list_date": "2005-06-01T07:00:00Z",
"list_price": 56900,
"listing_id": "542456683",
"last_update_date": "2005-07-01T12:00:00Z",
"last_status_change_date": "2005-06-30T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "29 days",
"source_listing_id": "266614",
"price_change_percentage": null
},
{
"date": "2005-06-01",
"price": 56900,
"listing": {
"status": "off_market",
"list_date": "2005-06-01T07:00:00Z",
"list_price": 56900,
"listing_id": "542456683",
"last_update_date": "2005-07-01T12:00:00Z",
"last_status_change_date": "2005-06-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "266614",
"price_change_percentage": null
},
{
"date": "2004-11-05",
"price": 61500,
"listing": {
"status": "off_market",
"list_date": "2004-10-09T07:00:00Z",
"list_price": 61500,
"listing_id": "542569947",
"last_update_date": "2004-11-05T21:59:03Z",
"last_status_change_date": "2004-11-05T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "27 days",
"source_listing_id": "247335",
"price_change_percentage": null
},
{
"date": "2004-10-09",
"price": 61500,
"listing": {
"status": "off_market",
"list_date": "2004-10-09T07:00:00Z",
"list_price": 61500,
"listing_id": "542569947",
"last_update_date": "2004-11-05T21:59:03Z",
"last_status_change_date": "2004-11-05T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "247335",
"price_change_percentage": null
},
{
"date": "2003-08-25",
"price": 68900,
"listing": {
"status": "off_market",
"list_date": "2003-04-23T07:00:00Z",
"list_price": 68900,
"listing_id": "542422707",
"last_update_date": "2003-08-26T04:52:39Z",
"last_status_change_date": "2003-08-25T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "124 days",
"source_listing_id": "205738",
"price_change_percentage": null
},
{
"date": "2003-04-23",
"price": 68900,
"listing": {
"status": "off_market",
"list_date": "2003-04-23T07:00:00Z",
"list_price": 68900,
"listing_id": "542422707",
"last_update_date": "2003-08-26T04:52:39Z",
"last_status_change_date": "2003-08-25T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "205738",
"price_change_percentage": "+14.83%"
},
{
"date": "2000-06-06",
"price": 60000,
"listing": null,
"event_name": "Sold",
"price_sqft": 56.49717514124294,
"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": "8467090460",
"generated_at": "2026-02-16T03:03:13.792240Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 69.4
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/eaa4d60223337f692d21bb85f6bc649el-m2332152561s-w1280.jpg",
"rent_price": 1223.0,
"loan_amount": 87200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/936-Parkway-Dr_Birmingham_AL_35215_M84670-90460",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 109000.0,
"loan_term_years": 30,
"annual_cash_flow": 11094.21,
"mortgage_monthly": 580.14,
"payment_standard": 1738.0,
"total_amount_out": 21800.0,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 66.92,
"monthly_cash_flow": 924.52,
"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 info lists 'Stove-Electric'. 'Elec: Ala Power' was chosen as the most common provider for a property in Birmingham. The allowance for a 3-bedroom unit is $21.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property info states 'Heating Features: Central' and 'Water Heaters: Electric', implying an all-electric system. 'Elec Heat: Ala Power' was selected. The allowance for a 3-bedroom unit is $93.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property info lists 'Cooling Features: Central (COOL)'. 'A/C: Alabama Power' was selected as the most likely electric provider. The allowance for a 3-bedroom unit is $22.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property info explicitly states 'Water Heaters: Electric (WTRHTR)'. 'Elec: Ala Power' was selected. The allowance for a 3-bedroom unit is $56.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This allowance for lights and other general electric use is applicable for tenants. 'Lights, Ref, Etc.: Ala Power' was selected for consistency. The allowance for a 3-bedroom unit is $68.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property states 'Water Source: Public Water'. The schedule includes a 'Water: Birmingham' option, which matches the property's city. The allowance for a 3-bedroom unit is $78.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property info indicates 'Sewer: Connected'. The schedule provides a single fixed rate for sewer. The allowance for a 3-bedroom unit is $151.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is located in Birmingham. As no specific option for Birmingham exists, 'Jefferson City (Once per week)' was selected as the most reasonable default for a property in Jefferson County. The allowance is $20.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A microwave is not mentioned as a provided appliance, so the tenant is assumed to provide their own. The allowance is $6.",
"utility": "Range/Microwave (tenant-owned)",
"allowance": 6
}
],
"cash_on_cash_return": 0.51,
"down_payment_amount": 21800.0,
"property_tax_annual": 1311.19,
"property_tax_monthly": 109.27,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": 4132.48,
"property_management_monthly": 122.3,
"monthly_cash_flow_after_debt": 344.37,
"cash_on_cash_return_after_debt": 0.19
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed bungalow appears to be in fair-to-good move-in condition with most major systems present (water heater, HVAC indications, kitchen appliances) and only moderate cosmetic and site repairs needed. The property looks likely to pass a Section 8 (HCV/NSPIRE) initial inspection after addressing a few predictable items — most importantly installing/confirming smoke and CO detectors, confirming GFCI in wet areas, addressing cracked walkway trip hazards, and documenting electrical panel and HVAC function. No major structural failures are evident in listing photos, but confirmation of detectors, GFCI, panel access, and HVAC operation is required before inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior photos show generally clean, recently refinished-looking floors, intact drywall/ceilings and complete kitchen cabinets. Appliances (stove, refrigerator, dishwasher) are present but appear older. Minor cosmetic issues visible: worn hearth trim, some scuffing on floors, exterior paint/weathering on siding, cracked driveway. No obvious severe deferred maintenance or collapsed finishes. Missing or aged finishes reduce score slightly, but items are mostly cosmetic or capital repairs rather than immediate safety failures."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No exposed wiring, visible major water intrusion, sagging ceilings, or collapsed elements in photos. Entry door appears secure and there are floor vents suggesting central heating. However, no smoke detectors or CO alarms are visible in interior photos (required by NSPIRE), GFCI outlets in kitchen/bath are not clearly identifiable, and the front walkway/driveway has cracking that is a trip hazard. Porch stairs have a railing but photos are partially obscured. Because critical safety items (smoke/CO alarms, GFCI) are not confirmed, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 70.0,
"rationale": "Photos show a water heater installed in a closet and visible floor supply/return registers indicating a forced-air system present. Kitchen appliances are present and appear functional (electric range, refrigerator). Roof appears even and without visible sag from exterior photos. The electrical panel is not shown and system ages are unknown; water heater and HVAC likely older but present and intact. Because major systems are present and no active leaks or collapsed systems are evident, score is above average but reduced for unknown ages and lack of visible panel/inspection access."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Exterior shows intact siding and raised block foundation with vents. Covered porch/railing looks structurally sound in photos. Driveway and front walkway have multiple cracks and uneven joints (trip hazard). Yard has mature trees with exposed roots near walk; shrubs are close to siding (moisture/maintenance concern). No standing water, major foundation cracks, or visible roof failure in images, but vegetation and cracked hardscape lower the site score."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon-monoxide alarms in interior photos (must be installed/verified for NSPIRE).",
"Front walkway and driveway have multiple cracks and uneven surfaces creating trip hazards.",
"Vegetation/shrubbery close to siding and foundation — potential for moisture intrusion if not cleared."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and functional (inferred from floor vents), though the condenser/power unit and exact condition were not shown.",
"Water heater is installed and operable; photos show a gas/vented or electric tank but age is unknown.",
"Electrical panel was not photographed; assumed intact and serviceable unless a subsequent inspection shows otherwise.",
"Smoke and carbon monoxide alarms are not visible in photos and should be assumed to be absent or not verified.",
"Kitchen and laundry plumbing are functional; laundry hookups shown next to water heater indicate utility connections exist.",
"Roof has no active leaks or major failure (no sagging or water stains visible from interior/exterior photos)."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA 1951 home appears structurally intact with most major systems present. Visible issues are primarily cosmetic and routine maintenance (floor refinishing, ceiling/trim repair, exterior paint/trim). The most likely initial HCV inspection failures would be missing smoke and CO detectors and missing/unclear GFCI protection in kitchen/bath. Systems (HVAC, electrical panel, hot water) need on-site confirmation but appear present. With the addition of required alarms, verification/repair of GFCI, a brief systems check, and addressing driveway trip hazards and minor exterior paint, the property is likely to pass a Housing Choice Voucher initial inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 78.0,
"rationale": "Interior and finishes are generally intact and recently painted; floors look serviceable but show scuffs/wear and a small missing hearth tile. Kitchen is equipped (stove, fridge, dishwasher) though appliances are older. Ceiling popcorn has minor dents/holes. Exterior siding and trim show weathering but no obvious large open holes. Overall visible defects are cosmetic or mid-level repairs (refinish floors, patch ceiling, replace small trim/hearth tile, touch-up exterior paint). Missing or old appliances are present rather than absent, so impact is moderate."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms are visible in the interior photos — these are required and commonly cause inspection failures if absent. Egress windows look likely in main rooms, but bedroom egress windows were not specifically shown. Entry door shows a lockset; deadbolt presence is not confirmed. No exposed wiring was observed in photos; electrical outlets and floor vents present. No visible active leaks, major ceiling sagging, or mold staining. GFCI protection in kitchen/bath not visible in photos and should be confirmed/installed. Because smoke/CO/GFCI are common immediate-correct items, risk is moderate but fixable."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical",
"score": 70.0,
"rationale": "Water heater is present and appears installed with a vent; laundry hookups visible. Floor vents suggest central HVAC/forced-air but an outdoor condensing unit was not photographed; HVAC operation is not confirmed. Roof line and chimney look intact from the photos with no visible sagging or active stains. Electrical service panel was not photographed so its condition is unknown. Plumbing fixtures (kitchen sink visible) appear intact. Overall systems appear present and likely functional but need on-site verification (HVAC operational check, electrical panel condition, hot water operation)."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 68.0,
"rationale": "Front yard, porch, and raised foundation appear serviceable. Covered porch and railings appear intact. Driveway has multiple cracks and some settlement which is a potential trip hazard and will need attention. Siding and trim show age and weathering but no obvious structural failure. Vegetation along the side/back looks overgrown and could conceal perimeter issues. No standing water or obvious foundation movement shown in photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos — common cause for inspection failure.",
"Potential lead-based paint hazard due to year built (1951) — documented clearance or abatement not provided.",
"Cracked/settled driveway and some uneven walkway surfaces that could be trip hazards and cited on inspection.",
"HVAC operation and electrical panel condition not verified from photos (required on-site checks)."
],
"confidence": 0.7,
"assumptions": [
"Interior photos are representative of all bedrooms and common rooms (bedroom egress windows exist but not shown).",
"Central heating/cooling is present (floor vents observed) though the outdoor condensing unit was not photographed.",
"Water heater is functional and provides hot water; plumbing is operable (no evidence of active leaks in photos).",
"Electrical panel and service are present but were not photographed; no obvious exposed wiring seen in provided images.",
"No recent interior or exterior lead-paint remediation paperwork provided; paint appears intact in photos but property was built in 1951 so pre-1978 lead risk exists until proven otherwise.",
"Appliances pictured (stove, refrigerator, dishwasher) are included and workable but may be older and should be tested prior to move-in."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA single‑family home shows good basic condition with intact structure, functioning kitchen appliances, water heater, and likely central HVAC. Most issues are cosmetic or minor maintenance items (floor refinishing, paint, driveway/sidewalk cracks, trim). Primary NSPIRE risks visible in the photos are lack of visible smoke and carbon monoxide detectors, unclear GFCI protection in kitchen, and trip hazards from the cracked walkway/driveway. No major structural, roof, or water intrusion problems are apparent from the provided photos. With simple safety upgrades (install detectors, verify/repair GFCI protection), repair of trip hazards, and routine systems testing, this property is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Interior appears recently painted with intact flooring and functional kitchen appliances present. Minor cosmetic wear visible on hardwood floors, small ceiling blemishes/holes, and some trim wear at fireplace hearth. Exterior siding and paint show weathering but no major rot visible. Driveway has widespread cracking (cosmetic but creates trip hazards). No obvious missing major appliances. Overall only minor to moderate cosmetic repairs and finish work estimated."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No immediate life‑threat hazards visible (no collapsed ceilings, standing water, or major structural sag). Front stairs have a handrail and porch guardrail present. However smoke detectors and carbon monoxide detectors are not visible in photos (required), and kitchen GFCI outlets are not clearly identified — potential fail items. Walkway and cracked driveway present trip hazards. Windows appear operable but egress compliance for bedrooms cannot be confirmed from photos. Electrical service and panel not shown (no exposed wiring visible at exterior). Given these unknowns, moderate inspection risk without small corrective actions (install detectors, verify GFCI, repair trip hazards)."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, water heater)",
"score": 70.0,
"rationale": "Water heater is present inside (photo shows vented tank). Floor supply/return vents and an exterior condensing area are visible, indicating central HVAC likely present. Kitchen appliances (stove, refrigerator, dishwasher) are in place. No visible plumbing leaks or major signs of roof failure from exterior photos. Electrical meter and service appear intact at exterior. Major systems appear present and serviceable but age and functionality (HVAC operation, hot water, panel/GFCI protection) cannot be confirmed from photos — moderate confidence that systems will pass with routine testing/maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Raised block foundation appears intact with foundation vents; siding and trim show aged paint but no obvious major deterioration visible. Roof profile looks even with no visible sagging; chimney masonry appears intact. Driveway and front walkway are cracked and uneven (trip hazards). Vegetation is close to the foundation on the right side which can affect drainage/entry points if not cleared. Yard is generally free of debris; fenced yard and exterior access present. Overall site is functional but needs routine maintenance and minor repairs."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos — immediate fail risk if not present/installed per code.",
"Kitchen GFCI protection not visible — potential NSPIRE fail if not installed or protected at panel.",
"Cracked/uneven front walkway and driveway present trip hazards that should be repaired prior to inspection."
],
"confidence": 0.6,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they are not installed or not in required locations unless verified.",
"Central HVAC is assumed present and operational based on floor vents and an exterior condensing area visible in photos; full operational status is unconfirmed.",
"Electrical panel condition and whether kitchen/bath circuits are GFCI protected are unknown; assume GFCI protection may be missing at receptacles near kitchen sink.",
"Water heater appears present and vented; assume it is serviceable but age/last service unknown.",
"No major roof leaks, foundation movement, or mold are visible in provided photos; assume none present unless interior areas not photographed reveal problems.",
"Bedrooms and bedroom egress windows are not shown; assume at least one compliant egress per bedroom but this must be confirmed on inspection.",
"Because the house was built in 1951, assume potential lead‑based paint risk until lead disclosure/testing is provided."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "936 Parkway Dr, Birmingham, AL, 35215",
"aggregate": {
"summary": "This 3-bed bungalow appears to be in fair-to-good move-in condition with most major systems present (water heater, HVAC indications, kitchen appliances) and only moderate cosmetic and site repairs needed. The property looks likely to pass a Section 8 (HCV/NSPIRE) initial inspection after addressing a few predictable items — most importantly installing/confirming smoke and CO detectors, confirming GFCI in wet areas, addressing cracked walkway trip hazards, and documenting electrical panel and HVAC function. No major structural failures are evident in listing photos, but confirmation of detectors, GFCI, panel access, and HVAC operation is required before inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 76.0,
"rationale": "Interior photos show generally clean, recently refinished-looking floors, intact drywall/ceilings and complete kitchen cabinets. Appliances (stove, refrigerator, dishwasher) are present but appear older. Minor cosmetic issues visible: worn hearth trim, some scuffing on floors, exterior paint/weathering on siding, cracked driveway. No obvious severe deferred maintenance or collapsed finishes. Missing or aged finishes reduce score slightly, but items are mostly cosmetic or capital repairs rather than immediate safety failures."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 64.3,
"rationale": "Exterior shows intact siding and raised block foundation with vents. Covered porch/railing looks structurally sound in photos. Driveway and front walkway have multiple cracks and uneven joints (trip hazard). Yard has mature trees with exposed roots near walk; shrubs are close to siding (moisture/maintenance concern). No standing water, major foundation cracks, or visible roof failure in images, but vegetation and cracked hardscape lower the site score."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 63.3,
"rationale": "No exposed wiring, visible major water intrusion, sagging ceilings, or collapsed elements in photos. Entry door appears secure and there are floor vents suggesting central heating. However, no smoke detectors or CO alarms are visible in interior photos (required by NSPIRE), GFCI outlets in kitchen/bath are not clearly identifiable, and the front walkway/driveway has cracking that is a trip hazard. Porch stairs have a railing but photos are partially obscured. Because critical safety items (smoke/CO alarms, GFCI) are not confirmed, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 70.0,
"rationale": "Photos show a water heater installed in a closet and visible floor supply/return registers indicating a forced-air system present. Kitchen appliances are present and appear functional (electric range, refrigerator). Roof appears even and without visible sag from exterior photos. The electrical panel is not shown and system ages are unknown; water heater and HVAC likely older but present and intact. Because major systems are present and no active leaks or collapsed systems are evident, score is above average but reduced for unknown ages and lack of visible panel/inspection access."
}
],
"red_flags": [
"No visible smoke detectors or carbon-monoxide alarms in interior photos (must be installed/verified for NSPIRE).",
"Front walkway and driveway have multiple cracks and uneven surfaces creating trip hazards.",
"Vegetation/shrubbery close to siding and foundation — potential for moisture intrusion if not cleared."
],
"confidence": 0.94,
"assumptions": [
"Central HVAC is present and functional (inferred from floor vents), though the condenser/power unit and exact condition were not shown.",
"Water heater is installed and operable; photos show a gas/vented or electric tank but age is unknown.",
"Electrical panel was not photographed; assumed intact and serviceable unless a subsequent inspection shows otherwise.",
"Smoke and carbon monoxide alarms are not visible in photos and should be assumed to be absent or not verified.",
"Kitchen and laundry plumbing are functional; laundry hookups shown next to water heater indicate utility connections exist.",
"Roof has no active leaks or major failure (no sagging or water stains visible from interior/exterior photos)."
],
"score_method": "mean_of_criteria",
"overall_score": 69.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8467090460"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.