Property ID: 8468461076
1527 42nd Street Ensley, Birmingham, AL, 35208
Birmingham, AL
Money Down: $19,440
CoC Return: 24.42%
Monthly Cash Flow: $396
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,200
Closing Costs
$3,240
Total Down
$19,440
Investment Snapshot
Purchase Price
$81,000
Money Down
$19,440
Cash-on-Cash Return
24.42%
Rent
$1,110
Monthly Cash Flow
$396
Annual Cash Flow
$4,747
Debt Service / Mo
$431
Property Tax / Mo
$105
Insurance / Mo
$67
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,110
Payment Standard
$1,474
Rent
$1,110
Insurance
$67
Property Tax
$105
Management
$111
Utilities Allowance
$364
NOI (Monthly)
$827
Debt Service
$431
Cash Flow After Debt
$396
Quality Score: 61.60%
Confidence: 92.00%
This 3-bed/1-bath 1940 bungalow shows solid basic structure and most interior components present. Primary issues are cosmetic and maintenance (floor wear, paint/patching, missing outlet/switch covers, overgrown yard) and an aged roof and unverified major systems (HVAC, water heater, electrical panel). With targeted work — install/verify smoke & CO detectors, replace outlet/switch covers and GFCI as required, service/verify HVAC and water heater, basic cosmetic repairs and lawn cleanup — the property is likely to pass a Section 8 (NSPIRE) initial inspection within ~2–6 weeks. Confirming presence/operation of heating, hot water, and the electrical panel is the critical path.
Section 8 Payment Standard
$1,474
Utility Allowance Total
$364
Guaranteed Section 8 Rent (PS - Utilities)
$1,110
Property Management
$111
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$81,000
Beds
3
Baths
1
Living Area
1,480 sqft
Lot Size
6,970 sqft
Year Built
1940
Days on Market
217
Capital Outlay
$19,440
Debt Service
$431
Property Tax / Mo
$105
Insurance / Mo
$67
Property Description
This 3-bedroom, 1-bathroom home offers a great opportunity for those looking to add their personal touch. With some TLC, this property can truly shine. Features include a screened-in front porch and original trim and fixtures that reflect the home's classic character.
Utility Allowances
heating
$93
Property listing specifies 'Heating Features: Electric (HEAT)'. Selected 'Elec Heat: Ala Power' as the most common regional provider.
cooling
$22
Property listing specifies 'Cooling Features: Central (COOL)'. Selected 'A/C: Alabama Power' as the most common regional provider.
water_heating
$56
Property listing specifies 'Water Heaters: Electric (WTRHTR)'. Selected 'Elec: Ala Power' for consistency with other electric appliances.
cooking
$21
Property listing specifies 'Cooktop-Electric' and 'Oven-Electric'. Selected 'Elec: Ala Power' for consistency.
other_electric
$68
Covers lights and other appliances. Selected 'Lights, Ref, Etc.: Ala Power' for consistency with other electric services.
range_microwave
$6
Property listing includes a cooktop/oven but does not specify a microwave is provided. This allowance is for a tenant-owned microwave.
water
$78
Property listing notes 'Public Water'. Selected 'Water: Birmingham' based on the property's city.
trash_collection
$20
The property is in Birmingham. Selected 'Jefferson City (Once per week)' as the most fitting regional option from the schedule.
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$661
DP3 Annual Estimate$954
DP1 Monthly Equivalent$55
DP3 Monthly Equivalent$80
Replacement Value$75,200
Basis1,480 sqft / 1940
Nearby Houses
Photo unavailable
1536 42nd Street Ensley S
sold · 0.05 mi
Price: $140,000
3 bd / 2 ba · 1,822 sqft
Latest sale: $140,000
Latest rent: —
Photo unavailable
1545 42nd Street Ensley
sold · 0.05 mi
Price: $105,000
5 bd / 2 ba · 1,724 sqft
Latest sale: $105,000
Latest rent: —
Photo unavailable
1508 43rd Street Ensley
sold · 0.05 mi
Price: $98,000
5 bd / 2 ba · 2,148 sqft
Latest sale: $98,000
Latest rent: —
Photo unavailable
1540 42nd Street Ensley
for_sale · 0.05 mi
Price: $90,000
2 bd / 1 ba · 768 sqft
Latest sale: $49,900
Latest rent: —
Photo unavailable
1511 43rd Street Ensley
sold · 0.07 mi
Price: $86,500
3 bd / 3 ba · 2,627 sqft
Latest sale: $86,500
Latest rent: —
Photo unavailable
1515 43rd Street Ensley
sold · 0.07 mi
Price: $167,000
3 bd / 2 ba · 1,444 sqft
Latest sale: $167,000
Latest rent: —
Photo unavailable
1533 41st Street Ensley
sold · 0.07 mi
Price: $74,900
3 bd / 1 ba · 1,673 sqft
Latest sale: $74,900
Latest rent: —
Photo unavailable
1441 42nd Street Ensley
sold · 0.08 mi
Price: $71,625
3 bd / 1 ba · 1,211 sqft
Latest sale: $71,625 on May 24, 2023
Latest rent: $1,045 on Mar 26, 2024
Photo unavailable
1503 43rd Street Ensley
sold · 0.08 mi
Price: $229,900
3 bd / 2 ba · 2,020 sqft
Latest sale: $229,900
Latest rent: —
Photo unavailable
1545 41st Street Ensley
sold · 0.08 mi
Price: $120,000
3 bd / 2 ba · 20,000 sqft
Latest sale: $120,000
Latest rent: —
Photo unavailable
1545 43rd Street Ensley W
sold · 0.08 mi
Price: $175,000
3 bd / 2 ba · 2,868 sqft
Latest sale: $175,000
Latest rent: —
Photo unavailable
1501 43rd Street Ensley Ave
sold · 0.09 mi
Price: $179,800
3 bd / 2 ba · 1,598 sqft
Latest sale: $179,800
Latest rent: —
Photo unavailable
1439 43rd Street Ensley
sold · 0.10 mi
Price: $139,900
3 bd / 2 ba · 1,848 sqft
Latest sale: $139,900
Latest rent: —
Photo unavailable
1604 44th Street Ensley
sold · 0.13 mi
Price: $53,000
2 bd / 1 ba · 1,100 sqft
Latest sale: $53,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Missing outlet/switch covers in multiple locations (electrical shock hazard) — needs immediate correction.
- No furnace/air‑handler or water heater visible in photos — verify presence and operation prior to inspection.
- Roof appears aged/discolored and may require evaluation or near‑term replacement; verify roof condition to avoid inspection failure.
Assumptions
- Central heating/AC system exists and is tied to the visible floor registers, but the furnace/air handler location and operational status were not photographed.
- Water heater and electrical service/panel exist on the property but were not included in the photos; their condition is unknown.
- Refrigerator and electric range shown are included and in working order unless proven otherwise; missing smaller appliances are not treated as inspection failures.
- Smoke alarm visible in at least one photo is assumed present but not verified functional; no carbon monoxide alarm was identified in photos.
- No active roof leaks, major foundation movement, or hidden mold infestations are present beyond what is visible; however the roof is likely aged and should be inspected.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,223 | $84,400 | $16,880 |
| 2023 | $1,223 | $84,400 | $16,880 |
| 2022 | $914 | $63,100 | $12,620 |
| 2021 | $914 | $63,100 | $12,620 |
| 2019 | $1,088 | $87,100 | $17,420 |
| 2018 | $1,087 | $75,000 | $15,000 |
| 2017 | $1,087 | $75,000 | $15,000 |
| 2016 | $1,087 | $75,000 | $15,000 |
| 2015 | $1,191 | $75,000 | $15,000 |
| 2013 | $1,139 | $80,900 | $16,180 |
| 2012 | $460 | $75,850 | $7,585 |
| 2011 | $469 | $77,100 | $7,710 |
| 2010 | $510 | $83,100 | $8,310 |
| 2009 | $478 | $78,500 | $7,850 |
| 2008 | $492 | $80,400 | $8,040 |
| 2007 | $484 | $79,300 | $7,930 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-30 | Price Changed | $81,000 |
| 2026-01-09 | Price Changed | $83,000 |
| 2025-09-26 | Price Changed | $85,000 |
| 2025-09-12 | Price Changed | $89,000 |
| 2025-08-29 | Price Changed | $93,000 |
| 2025-08-15 | Price Changed | $97,000 |
| 2025-07-31 | Price Changed | $101,000 |
| 2025-07-14 | Listed | $105,000 |
| 2025-05-29 | Listing removed | $0 |
| 2025-05-29 | Listing removed | $0 |
| 2025-05-08 | Price Changed for rent | $1,395 |
| 2025-05-08 | Price Changed for rent | $1,395 |
| 2025-05-01 | Price Changed for rent | $1,430 |
| 2025-05-01 | Price Changed for rent | $1,430 |
| 2025-04-09 | Price Changed for rent | $1,465 |
| 2025-04-08 | Listed for rent | $1,430 |
| 2025-04-08 | Price Changed for rent | $1,465 |
| 2025-04-07 | Price Changed for rent | $1,465 |
| 2025-04-06 | Listed for rent | $1,430 |
| 2025-04-05 | Listed for rent | $1,430 |
| 2022-11-15 | Listing removed | $0 |
| 2022-11-15 | Listing removed | $0 |
| 2022-11-03 | Listed for rent | $775 |
| 2022-11-02 | Listed for rent | $775 |
| 2022-10-30 | Listing removed | $0 |
Photo Gallery
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"price_change": -30,
"days_after_listed": null,
"source_listing_id": "3870342",
"price_change_percentage": null
},
{
"date": "2022-06-13",
"price": 1225,
"listing": {
"status": "off_market",
"list_date": "2022-06-13T12:46:45Z",
"list_price": 1360,
"listing_id": "2944229282",
"last_update_date": "2025-05-29T04:04:46Z",
"last_status_change_date": "2025-05-29T20:06:58Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.7882882882882883,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "3870342",
"price_change_percentage": null
},
{
"date": "2020-11-13",
"price": 2500567000,
"listing": null,
"event_name": "Sold",
"price_sqft": 1689572.2972972973,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2018-02-23",
"price": 3147500,
"listing": null,
"event_name": "Sold",
"price_sqft": 2126.689189189189,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2017-10-26",
"price": 2051500,
"listing": null,
"event_name": "Sold",
"price_sqft": 1386.1486486486488,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2014-12-22",
"price": 45000,
"listing": null,
"event_name": "Sold",
"price_sqft": 30.405405405405407,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2013-01-23",
"price": 18650,
"listing": {
"status": "sold",
"list_date": "2012-12-07T07:00:00Z",
"list_price": 15000,
"listing_id": "559055879",
"last_update_date": "2019-02-12T22:10:00Z",
"last_status_change_date": "2013-01-23T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "47 days",
"source_listing_id": "549225",
"price_change_percentage": "+24.33%"
},
{
"date": "2012-12-07",
"price": 15000,
"listing": {
"status": "sold",
"list_date": "2012-12-07T07:00:00Z",
"list_price": 15000,
"listing_id": "559055879",
"last_update_date": "2019-02-12T22:10:00Z",
"last_status_change_date": "2013-01-23T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "549225",
"price_change_percentage": null
},
{
"date": "2011-06-13",
"price": 45900,
"listing": {
"status": "off_market",
"list_date": "2011-04-08T07:00:00Z",
"list_price": 45900,
"listing_id": "527883531",
"last_update_date": "2011-06-13T21:15:02Z",
"last_status_change_date": "2011-06-13T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "66 days",
"source_listing_id": "496615",
"price_change_percentage": null
},
{
"date": "2011-04-08",
"price": 45900,
"listing": {
"status": "off_market",
"list_date": "2011-04-08T07:00:00Z",
"list_price": 45900,
"listing_id": "527883531",
"last_update_date": "2011-06-13T21:15:02Z",
"last_status_change_date": "2011-06-13T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "496615",
"price_change_percentage": "-2.34%"
},
{
"date": "1993-06-11",
"price": 47000,
"listing": null,
"event_name": "Sold",
"price_sqft": 31.756756756756758,
"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": "8468461076",
"generated_at": "2026-02-16T02:38:30.608122Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 61.6
},
"utility_allowance": {
"zip_code": "35208",
"home_photo": "https://ap.rdcpix.com/a8089eeb0019615c50d9f9e52920fd67l-m2298823309s-w1280.jpg",
"rent_price": 1110.0,
"loan_amount": 64800.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1527-42nd-Street-Ensley_Birmingham_AL_35208_M84684-61076",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 81000.0,
"loan_term_years": 30,
"annual_cash_flow": 9920.81,
"mortgage_monthly": 431.12,
"payment_standard": 1474.0,
"total_amount_out": 16200.0,
"additional_photos": [
"https://ap.rdcpix.com/a8089eeb0019615c50d9f9e52920fd67l-m3228051349s-w1280.jpg",
"https://ap.rdcpix.com/a8089eeb0019615c50d9f9e52920fd67l-m515453993s-w1280.jpg",
"https://ap.rdcpix.com/a8089eeb0019615c50d9f9e52920fd67l-m2410982233s-w1280.jpg",
"https://ap.rdcpix.com/a8089eeb0019615c50d9f9e52920fd67l-m4085523262s-w1280.jpg",
"https://ap.rdcpix.com/a8089eeb0019615c50d9f9e52920fd67l-m2229169444s-w1280.jpg",
"https://ap.rdcpix.com/a8089eeb0019615c50d9f9e52920fd67l-m2831575050s-w1280.jpg",
"https://ap.rdcpix.com/a8089eeb0019615c50d9f9e52920fd67l-m3049406522s-w1280.jpg",
"https://ap.rdcpix.com/a8089eeb0019615c50d9f9e52920fd67l-m2888116470s-w1280.jpg",
"https://ap.rdcpix.com/a8089eeb0019615c50d9f9e52920fd67l-m2194391389s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 67.29,
"monthly_cash_flow": 826.73,
"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 listing specifies 'Heating Features: Electric (HEAT)'. Selected 'Elec Heat: Ala Power' as the most common regional provider.",
"utility": "heating",
"allowance": 93
},
{
"note": "Property listing specifies 'Cooling Features: Central (COOL)'. Selected 'A/C: Alabama Power' as the most common regional provider.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property listing specifies 'Water Heaters: Electric (WTRHTR)'. Selected 'Elec: Ala Power' for consistency with other electric appliances.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "Property listing specifies 'Cooktop-Electric' and 'Oven-Electric'. Selected 'Elec: Ala Power' for consistency.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Covers lights and other appliances. Selected 'Lights, Ref, Etc.: Ala Power' for consistency with other electric services.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property listing includes a cooktop/oven but does not specify a microwave is provided. This allowance is for a tenant-owned microwave.",
"utility": "range_microwave",
"allowance": 6
},
{
"note": "Property listing notes 'Public Water'. Selected 'Water: Birmingham' based on the property's city.",
"utility": "water",
"allowance": 78
},
{
"note": "The property is in Birmingham. Selected 'Jefferson City (Once per week)' as the most fitting regional option from the schedule.",
"utility": "trash_collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.61,
"down_payment_amount": 16200.0,
"property_tax_annual": 1259.69,
"property_tax_monthly": 104.97,
"property_tax_increase": 0.03,
"utility_allowance_total": 364.0,
"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": 4747.42,
"property_management_monthly": 111.0,
"monthly_cash_flow_after_debt": 395.62,
"cash_on_cash_return_after_debt": 0.29
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed/1-bath 1940 bungalow shows solid basic structure and most interior components present. Primary issues are cosmetic and maintenance (floor wear, paint/patching, missing outlet/switch covers, overgrown yard) and an aged roof and unverified major systems (HVAC, water heater, electrical panel). With targeted work — install/verify smoke & CO detectors, replace outlet/switch covers and GFCI as required, service/verify HVAC and water heater, basic cosmetic repairs and lawn cleanup — the property is likely to pass a Section 8 (NSPIRE) initial inspection within ~2–6 weeks. Confirming presence/operation of heating, hot water, and the electrical panel is the critical path.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior finishes are generally intact but show deferred cosmetic maintenance: scuffed/worn hardwood floors, patched/peeled wall areas, missing switch/outlet covers in places, and minor ceiling/trim damage. Kitchen and bathroom fixtures are present and appear serviceable; refrigerator and electric range are in photos. Yard is overgrown. These are mostly cosmetic and minor-repair items that can be addressed with modest work (paint, outlet covers, floor refinishing/spot repair, lawn work)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No life‑threatening hazards visible (no collapsed ceilings, standing water, or obvious severe mold). Adequate bedroom egress windows visible. A ceiling-mounted smoke/alarms device is visible in one photo but CO alarm not identified. Several switch/outlet plates are missing (electrical shock hazard) and GFCI protection at sink area is not confirmed from photos. Front entry appears to have a secondary lock. Recommend installing/confirming working smoke and CO detectors, replacing all missing cover plates, and verifying GFCI outlets in kitchen/bath. These items represent moderate inspection risk but likely correctable quickly."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 50.0,
"rationale": "Floor vents and registers indicate a central heating/AC system but no furnace/air handler or water heater is shown in the photos; electrical panel location and condition are not shown. Roof appears aged (discolored, older shingles) and should be evaluated — not visibly failed but likely near end of service life. Plumbing fixtures in kitchen and bath appear present; no active leaks visible. Because critical system components (furnace, water heater, panel) are not pictured, there is moderate uncertainty and potential inspection risk that requires quick verification and servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior envelope appears intact (siding and brick foundation visible); screened-in porch present. Lawn is overgrown and sidewalks show uneven slabs/steps (minor trip hazards). No visible major foundation cracks or standing water in photos. Some window blinds/damaged panes on the sunroom but windows appear largely intact. Exterior issues are mainly maintenance and landscaping."
}
],
"red_flags": [
"Missing outlet/switch covers in multiple locations (electrical shock hazard) — needs immediate correction.",
"No furnace/air‑handler or water heater visible in photos — verify presence and operation prior to inspection.",
"Roof appears aged/discolored and may require evaluation or near‑term replacement; verify roof condition to avoid inspection failure."
],
"confidence": 0.7,
"assumptions": [
"Central heating/AC system exists and is tied to the visible floor registers, but the furnace/air handler location and operational status were not photographed.",
"Water heater and electrical service/panel exist on the property but were not included in the photos; their condition is unknown.",
"Refrigerator and electric range shown are included and in working order unless proven otherwise; missing smaller appliances are not treated as inspection failures.",
"Smoke alarm visible in at least one photo is assumed present but not verified functional; no carbon monoxide alarm was identified in photos.",
"No active roof leaks, major foundation movement, or hidden mold infestations are present beyond what is visible; however the roof is likely aged and should be inspected."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA 1940 bungalow appears structurally sound in the photos and would likely pass Section 8 (HCV/NSPIRE) after a set of targeted, mostly cosmetic and safety repairs. Primary remediation prior to inspection should include addressing exposed electrical outlets/switch plates, confirming/ installing working smoke and CO detectors in required locations, verifying HVAC and hot-water systems function, refinishing/repairing worn floor areas, patching/painting walls, and clearing the overgrown yard and leveling the front walkway step. No evidence of major structural failure, roof collapse, active leaks, or severe mold was observed in the photos; however system verifications (electrical panel, HVAC, water heater) are recommended.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior is mostly intact with original trim, working doors and built-ins. Hardwood floors are worn and would benefit from refinishing in high-traffic areas; there are scuffs/holes in drywall and a few ceiling/stain spots. Kitchen and bathroom have functioning fixtures visible; refrigerator and range are present. Minor finish repairs (paint, trim, switch/outlet plates, light fixtures) and floor refinishing/cleaning are needed but are cosmetic/capital items rather than structural. Yard is overgrown and walk approach needs edging/mowing."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 60.0,
"rationale": "No active life-threatening hazards visible (no collapsed ceilings, no standing water, no major mold observed). However there are clear safety concerns: at least one missing outlet/switch plate (exposed electrical device) and uncovered receptacle seen in photos, which is an electrical hazard that must be fixed prior to inspection. Smoke/CO detectors are not clearly visible in primary sleeping areas or hallways (one small round device is visible on a wall above an arch but its type/location is ambiguous) — likely need installation/verification. Bathroom and kitchen have windows for egress and ventilation; entry door appears intact but a secure deadbolt is not verifiable in photos and should be confirmed. GFCI protection for sink areas not visible. These items create moderate NSPIRE risk but are generally fixable."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Forced-air floor registers are visible indicating a central HVAC system likely exists, but no external HVAC condenser or furnace is shown in photos to confirm operational status — assume present but unverified. Electrical panel/wiring condition not shown; visible outlets and lighting indicate service but missing plates create risk until corrected. Plumbing fixtures (kitchen sink, bathroom sink, tub/shower, toilet) are present; hot-water equipment not shown. Roof appears aged with weathering but no obvious sagging or large missing fields of shingles visible from front elevation; chimney intact. Given unknowns around HVAC functionality, water heater and electrical panel, this is a moderate risk that requires basic verification/possible service."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Structure envelope (brick and siding) appears largely intact with no visible foundation separation or major wall cracks in provided photos. Front porch has some vine/vegetation growth on columns and fascia which should be cleared. Lawn is heavily overgrown and will need mowing; walkway has an uneven step near the sidewalk that is a trip hazard and should be repaired/leveled. No visible standing water or major site drainage issues in supplied images."
}
],
"red_flags": [
"Electrical hazards — at least one missing outlet/switch plate and exposed device visible",
"Smoke/CO detectors not clearly present in sleeping areas/hallways — detector presence/function must be confirmed",
"Trip hazard — uneven front walkway step and heavy overgrowth creating ingress/egress hazard"
],
"confidence": 0.65,
"assumptions": [
"Central forced-air HVAC exists and vents visible are connected to a working system; operational status is unverified from photos.",
"Electrical service is present and functional but some outlet/switch plates are missing; these represent repairable hazards rather than full electrical failure.",
"Water heater and main plumbing supply are present and functional though not photographed; bathroom/kitchen fixtures appear installed.",
"Windows in bedrooms provide adequate egress based on size/placement shown in photos.",
"No active roof leaks or major concealed water damage exist since no staining or sagging ceilings were observed in interior photos.",
"Appliances shown (refrigerator and stove) are included and in at least cosmetically serviceable condition; no gas line issues visible (range appears electric)."
],
"overall_score": 64.0,
"rubric_version": "ns_poirev_2026_v1"
},
{
"summary": "Moderate inspection risk. The house is structurally intact in the photos and contains essential appliances and fixtures, but there are multiple moderate issues that must be addressed before a likely Housing Choice Voucher/NSPIRE pass: correct missing outlet/switch covers (electrical hazard), verify and install compliant smoke and CO alarms (required locations), repair small drywall/ceiling damage, address overgrown yard and uneven walkways, and verify operation of HVAC, water heater and electrical panel. Expect 30–60 days of work and verification to reach a high likelihood of passing an initial Section 8 inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 68.0,
"rationale": "Interior finishes largely intact but show wear: scuffed hardwood floors, patched/peeling plaster over a closet, scuffed painted fireplace, and some wall damage. Kitchen and bath are present and appear functional; fridge and stove are in photos (reduces penalty for missing appliances). Several minor cosmetic repairs and replacements (paint, baseboard touch-up, light switch/outlet covers, minor drywall patching, flooring refinishing in places). No large-scale demolition or structural repairs visible. Estimated time-to-rent with these fixes: 1–4 weeks."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "Photos show some safety issues: multiple missing outlet/switch covers (electrical exposure hazard), at least one ceiling-mounted detector is visible in a common area but no verified detectors outside bedrooms or evidence of CO alarm — likely insufficient for NSPIRE. Windows appear to provide egress in bedrooms. Entry door appears serviceable but a deadbolt is not clearly visible. No visible major water intrusion, mold or collapsed ceilings. Exterior walkway and front steps are trip hazards due to overgrown grass and uneven slabs. These items create moderate inspection risk and will require prompt correction prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Major systems are partially inferred: floor registers and wall vents indicate a centralized heating/AC distribution (presence assumed but no HVAC equipment or water heater shown). Electrical appears live (lights and appliances present) but electrical panel was not photographed. Kitchen plumbing fixtures and bathroom fixtures are present; bathtub and sink appear intact. Roof looks aged (wear visible on shingles) but no obvious sagging or active leaks in photos. Because systems are not fully documented, score reflects moderate uncertainty and the need to verify HVAC operation, water heater, and electrical panel condition on-site."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 50.0,
"rationale": "Exterior shows an overgrown yard and weed-choked pathways creating trip hazards and poor curb appeal. Siding/brick appear generally intact, but gutters/downspouts not clearly visible and vines are growing at the roofline/porch area. Roof shingles show age and staining; chimney intact. Walkway slabs are uneven and need leveling or repair. No clear signs of major foundation movement or large exterior structural failure in the photos, but yard/site neglect increases risk of concealed issues and requires exterior cleanup and basic repairs."
}
],
"red_flags": [
"Exposed electrical hazards: multiple missing outlet and switch covers observed.",
"Insufficient/uncertain smoke and carbon monoxide protection for NSPIRE (no verified detectors outside each sleeping area).",
"Trip hazards: overgrown yard and uneven front walkway/steps creating pedestrian safety risk.",
"Aged roof with visible wear (requires verification) and potential for near-term maintenance."
],
"confidence": 0.75,
"assumptions": [
"Central HVAC exists (inferred from floor registers) and is operational, but no furnace/AC unit photo was provided — operation must be verified on-site.",
"Hot water heater exists and provides hot water; unit not pictured.",
"At least one smoke detector is visible in common area but there may not be detectors in each required location (bedrooms/hallway) — additional devices likely required.",
"Electrical panel condition and labeling unknown (not pictured); assumed service is functional but needs verification.",
"No obvious active roof leaks or foundation movement were visible in photos; roof is aged but not evidently failed.",
"Because the home was built in 1940, assume potential lead-based paint risk; lead risk assessment or safe work practices will be necessary for renovations.",
"Appliances shown (stove, refrigerator) are assumed functional but should be tested during inspection."
],
"overall_score": 60.0,
"rubric_version": "nsPIRE-2025-analyst-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1527 42nd Street Ensley, Birmingham, AL, 35208",
"aggregate": {
"summary": "This 3-bed/1-bath 1940 bungalow shows solid basic structure and most interior components present. Primary issues are cosmetic and maintenance (floor wear, paint/patching, missing outlet/switch covers, overgrown yard) and an aged roof and unverified major systems (HVAC, water heater, electrical panel). With targeted work — install/verify smoke & CO detectors, replace outlet/switch covers and GFCI as required, service/verify HVAC and water heater, basic cosmetic repairs and lawn cleanup — the property is likely to pass a Section 8 (NSPIRE) initial inspection within ~2–6 weeks. Confirming presence/operation of heating, hot water, and the electrical panel is the critical path.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.7,
"rationale": "Interior finishes are generally intact but show deferred cosmetic maintenance: scuffed/worn hardwood floors, patched/peeled wall areas, missing switch/outlet covers in places, and minor ceiling/trim damage. Kitchen and bathroom fixtures are present and appear serviceable; refrigerator and electric range are in photos. Yard is overgrown. These are mostly cosmetic and minor-repair items that can be addressed with modest work (paint, outlet covers, floor refinishing/spot repair, lawn work)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Exterior envelope appears intact (siding and brick foundation visible); screened-in porch present. Lawn is overgrown and sidewalks show uneven slabs/steps (minor trip hazards). No visible major foundation cracks or standing water in photos. Some window blinds/damaged panes on the sunroom but windows appear largely intact. Exterior issues are mainly maintenance and landscaping."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 58.3,
"rationale": "No life‑threatening hazards visible (no collapsed ceilings, standing water, or obvious severe mold). Adequate bedroom egress windows visible. A ceiling-mounted smoke/alarms device is visible in one photo but CO alarm not identified. Several switch/outlet plates are missing (electrical shock hazard) and GFCI protection at sink area is not confirmed from photos. Front entry appears to have a secondary lock. Recommend installing/confirming working smoke and CO detectors, replacing all missing cover plates, and verifying GFCI outlets in kitchen/bath. These items represent moderate inspection risk but likely correctable quickly."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 56.7,
"rationale": "Floor vents and registers indicate a central heating/AC system but no furnace/air handler or water heater is shown in the photos; electrical panel location and condition are not shown. Roof appears aged (discolored, older shingles) and should be evaluated — not visibly failed but likely near end of service life. Plumbing fixtures in kitchen and bath appear present; no active leaks visible. Because critical system components (furnace, water heater, panel) are not pictured, there is moderate uncertainty and potential inspection risk that requires quick verification and servicing."
}
],
"red_flags": [
"Missing outlet/switch covers in multiple locations (electrical shock hazard) — needs immediate correction.",
"No furnace/air‑handler or water heater visible in photos — verify presence and operation prior to inspection.",
"Roof appears aged/discolored and may require evaluation or near‑term replacement; verify roof condition to avoid inspection failure."
],
"confidence": 0.92,
"assumptions": [
"Central heating/AC system exists and is tied to the visible floor registers, but the furnace/air handler location and operational status were not photographed.",
"Water heater and electrical service/panel exist on the property but were not included in the photos; their condition is unknown.",
"Refrigerator and electric range shown are included and in working order unless proven otherwise; missing smaller appliances are not treated as inspection failures.",
"Smoke alarm visible in at least one photo is assumed present but not verified functional; no carbon monoxide alarm was identified in photos.",
"No active roof leaks, major foundation movement, or hidden mold infestations are present beyond what is visible; however the roof is likely aged and should be inspected."
],
"score_method": "mean_of_criteria",
"overall_score": 61.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8468461076"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.