Property ID: 8474997137
6721 Grasselli Rd, Fairfield, AL, 35064
Fairfield, AL
Money Down: $21,576
CoC Return: 17.62%
Monthly Cash Flow: $317
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,980
Closing Costs
$3,596
Total Down
$21,576
Investment Snapshot
Purchase Price
$89,900
Money Down
$21,576
Cash-on-Cash Return
17.62%
Rent
$1,049
Monthly Cash Flow
$317
Annual Cash Flow
$3,803
Debt Service / Mo
$478
Property Tax / Mo
$92
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,049
Payment Standard
$1,584
Rent
$1,049
Insurance
$56
Property Tax
$92
Management
$105
Utilities Allowance
$535
NOI (Monthly)
$795
Debt Service
$478
Cash Flow After Debt
$317
Quality Score: 63.60%
Confidence: 90.00%
Overall moderately ready for Section 8/HCV initial inspection with primarily cosmetic and code-verification items to address. Interior shows recent paint and flooring and kitchen/bathroom fixtures are present, but there are inspection risks that need correction or verification (torn/covered windows affecting egress, likely missing GFCIs, loose/visible wiring, and a makeshift entry handrail). Major systems (HVAC, water heater, electrical panel) are not fully documented in photos and should be tested. With 1–4 days of targeted repairs (secure/repair windows, install/verify smoke/CO/GFCI devices, secure handrail, correct a few flooring and cabinet issues) plus functional testing/repairs of mechanicals if needed, the property is likely rent-ready. Presence of recent rental history improves pass likelihood.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$535
Guaranteed Section 8 Rent (PS - Utilities)
$1,049
Property Management
$105
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$89,900
Beds
3
Baths
1.5
Living Area
1,057 sqft
Lot Size
8,712 sqft
Year Built
1950
Days on Market
111
Capital Outlay
$21,576
Debt Service
$478
Property Tax / Mo
$92
Insurance / Mo
$56
Property Description
Great investment opportunity! This 3-bedroom, 1.5-bath home has been freshly updated with new paint and flooring throughout. Features include a spacious kitchen, formal living and dining areas, and a laundry room. Conveniently located near the expressway, schools, and shopping - ideal for attracting long-term tenants. Sold As Is, ready to add to your portfolio
Utility Allowances
Heating
$93
Property has central heating. Given the electric stove and water heater, electric heat is assumed. 'Ala Power' is selected as the major regional provider and is the most expensive electric option on the schedule.
Cooking
$21
Property listing explicitly mentions 'Stove-Electric'. 'Ala Power' is selected as the major regional provider and is the most expensive electric option.
Water Heating
$56
Property listing explicitly mentions 'Electric Water Heater'. 'Ala Power' is selected as the major regional provider and is the most expensive electric option.
Cooling
$22
Property has 'Central Air' conditioning, which is electric. 'Ala Power' is selected as the major regional provider.
Other Electric
$68
This covers general electric use like lights and outlets. 'Ala Power' is selected as the major regional provider and is the most expensive option.
Water
$78
Property has public water. The city of Fairfield falls within the Birmingham water service area, which is selected as the most likely provider.
Sewer
$151
Property listing states 'Sewer: Connected'. The allowance is a fixed value from the schedule for a 3-bedroom unit.
Trash Collection
$40
The property is located in Fairfield, and the schedule provides a specific allowance for 'Fairfield Inside City Limits'.
Refrigerator
$0
The property listing includes a refrigerator, so the allowance for a tenant-owned appliance is $0.
Range / Microwave
$6
A microwave is not mentioned in the property details and is assumed to be tenant-owned per the rules.
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$541
DP3 Annual Estimate$814
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$68
Replacement Value$54,200
Basis1,057 sqft / 1950
Nearby Houses
Photo unavailable
6729 Grasselli Rd
for_sale · 0.02 mi
Price: $55,000
3 bd / 3 ba · 1,254 sqft
Latest sale: $70,000 on Jan 02, 2024
Latest rent: $1,200 on Jun 27, 2024
Photo unavailable
6737 Grasselli Rd
sold · 0.05 mi
Price: $79,900
3 bd / 1 ba · 947 sqft
Latest sale: $79,900 on Mar 07, 2022
Latest rent: $1,000 on Aug 14, 2024
Photo unavailable
6701 Grasselli Rd
sold · 0.06 mi
Price: $33,000
3 bd / 1 ba · 1,125 sqft
Latest sale: $33,000 on Jan 13, 2023
Latest rent: —
Photo unavailable
517 Seminole Dr
sold · 0.07 mi
Price: $90,000
3 bd / 1 ba · 1,065 sqft
Latest sale: $90,000 on Dec 26, 2023
Latest rent: $1,150 on Apr 01, 2024
Photo unavailable
525 Seminole Dr
sold · 0.07 mi
Price: $60,000
2 bd / 1 ba · 1,052 sqft
Latest sale: $60,000 on Mar 12, 2024
Latest rent: $800 on Jun 02, 2022
Photo unavailable
6621 Seminole Dr
sold · 0.12 mi
Price: $35,343
2 bd / 1 ba · 852 sqft
Latest sale: $35,343 on Sep 15, 2021
Latest rent: $919 on Feb 17, 2022
Risk and Criteria Detail
Red Flags
- success
- Potential electrical hazard: loose/exposed cables near fireplace/flooring area visible in photos (requires correction and electrician inspection).
- Window egress concerns: multiple windows are heavily covered/torn or possibly damaged which could fail egress requirements until repaired or replaced.
- Unsafe/unfinished entry steps/handrail: handrail appears makeshift and may not meet code/grip requirements.
- Possible water intrusion / moisture risk from vegetation contacting siding which can lead to pest or rot issues if not cleared.
Assumptions
- Central HVAC exists (ceiling vent visible) but its operational status is unknown and must be verified.
- Water heater and electrical service/panel are present on-site but not photographed; assumed intact unless testing shows otherwise.
- Bedrooms have egress windows of code-minimum size, but some windows are obstructed/covered and may need repair to meet egress requirements.
- Smoke detector shown in living area is functional; additional detectors (in/near bedrooms) are not visible and may be missing.
- Bathroom and kitchen likely do not have GFCI‑protected outlets visible in photos; GFCI requirement may create a minor fail if not installed.
- No visible active roof leaks, major structural sagging, or collapsed ceilings were observed in provided photos; hidden issues cannot be excluded.
- Overgrown vegetation close to siding increases pest/moisture risk but is a remedial exterior maintenance item rather than immediate structural failure.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,075 | $72,200 | $14,440 |
| 2023 | $1,075 | $72,200 | $14,440 |
| 2022 | $1,144 | $76,800 | $15,360 |
| 2021 | $1,069 | $71,800 | $14,360 |
| 2020 | $1,069 | $71,800 | $14,360 |
| 2019 | $1,069 | $71,800 | $14,360 |
| 2018 | $917 | $61,600 | $12,320 |
| 2017 | $917 | $61,600 | $12,320 |
| 2016 | $917 | $61,600 | $12,320 |
| 2015 | $917 | $61,600 | $12,320 |
| 2013 | $883 | $58,300 | $11,660 |
| 2012 | $838 | $55,300 | $11,060 |
| 2011 | $894 | $59,000 | $11,800 |
| 2010 | $894 | $59,000 | $11,800 |
| 2009 | $849 | $56,000 | $11,200 |
| 2008 | $865 | $57,100 | $11,420 |
| 2007 | $858 | $56,600 | $11,320 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-08-30 | Sold | $32,000 |
| 2019-02-28 | Sold | $10,000 |
| 2012-06-12 | Sold | $7,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-11-07 | Listed for rent | $1,100 | — |
| 2025-10-31 | Listed for rent | $1,100 | — |
| 2025-02-18 | Listed for rent | $1,000 | — |
| 2025-02-06 | Listed for rent | $1,100 | — |
| 2025-01-06 | Listed for rent | $1,150 | — |
| 2024-11-21 | Listed for rent | $1,300 | — |
| 2014-02-18 | Listed for rent | $745 | — |
| 2011-09-15 | Listed for rent | $750 | — |
Photo Gallery
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"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating. Given the electric stove and water heater, electric heat is assumed. 'Ala Power' is selected as the major regional provider and is the most expensive electric option on the schedule.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property listing explicitly mentions 'Stove-Electric'. 'Ala Power' is selected as the major regional provider and is the most expensive electric option.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property listing explicitly mentions 'Electric Water Heater'. 'Ala Power' is selected as the major regional provider and is the most expensive electric option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Property has 'Central Air' conditioning, which is electric. 'Ala Power' is selected as the major regional provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "This covers general electric use like lights and outlets. 'Ala Power' is selected as the major regional provider and is the most expensive option.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has public water. The city of Fairfield falls within the Birmingham water service area, which is selected as the most likely provider.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property listing states 'Sewer: Connected'. The allowance is a fixed value from the schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is located in Fairfield, and the schedule provides a specific allowance for 'Fairfield Inside City Limits'.",
"utility": "Trash Collection",
"allowance": 40
},
{
"note": "The property listing includes a refrigerator, so the allowance for a tenant-owned appliance is $0.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A microwave is not mentioned in the property details and is assumed to be tenant-owned per the rules.",
"utility": "Range / Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.53,
"down_payment_amount": 17980.0,
"property_tax_annual": 1107.25,
"property_tax_monthly": 92.27,
"property_tax_increase": 0.03,
"utility_allowance_total": 535.0,
"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": 3802.62,
"property_management_monthly": 104.9,
"monthly_cash_flow_after_debt": 316.89,
"cash_on_cash_return_after_debt": 0.21
},
"section8_assessment": {
"runs": [
{
"summary": "Overall moderately ready for Section 8/HCV initial inspection with primarily cosmetic and code-verification items to address. Interior shows recent paint and flooring and kitchen/bathroom fixtures are present, but there are inspection risks that need correction or verification (torn/covered windows affecting egress, likely missing GFCIs, loose/visible wiring, and a makeshift entry handrail). Major systems (HVAC, water heater, electrical panel) are not fully documented in photos and should be tested. With 1–4 days of targeted repairs (secure/repair windows, install/verify smoke/CO/GFCI devices, secure handrail, correct a few flooring and cabinet issues) plus functional testing/repairs of mechanicals if needed, the property is likely rent-ready. Presence of recent rental history improves pass likelihood.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior shows recent paint and new vinyl plank flooring but there are several cosmetic/finish defects: loose or mismatched flooring panels, a bedroom/closet door removed and leaning, damaged cabinet faces and worn kitchen trim, torn window coverings, dirt/debris in rooms and scuffed baseboards. Appliances (range and refrigerator) are present but old and cosmetically worn. These are mostly cosmetic/medium-scope repairs (replace a few floor planks, rehung door, clean, repaint, cabinet touch-up or replace appliances if desired) and should be addressable within a short rehab timeline."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 58.0,
"rationale": "Visible safety items: at least one smoke detector is present on a ceiling in the main living area and exterior doors show a deadbolt. However there are inspection risks: several windows are covered/torn (some may be broken) which could affect emergency egress/clear opening; bathroom and kitchen likely lack visible GFCI outlets which is commonly required; there are loose cords/exposed cables near the fireplace floor and some unfinished stair/entry railing that appears makeshift and may not meet handrail/graspability requirements. No active collapsed ceilings, major foundation cracking, or obvious roof leaks were observed in photos. Hot water, GFCI, and CO detection status are unknown and will require verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof appears to be metal and shows no visible large failures in exterior photo. A ceiling vent is visible in a bedroom suggesting central HVAC ducting (presence of a working furnace/AC unit not verified). Plumbing fixtures (toilet, tub/shower, sink) are present but tiles/grout and fixtures show aging; water heater and electrical panel are not shown. The electric range is present (older coil type) and refrigerator present. Because key system components (panel, water heater, HVAC unit) are not visible and would need functional testing, score is moderate — likely serviceable but requires verification and some routine maintenance/repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior vinyl siding appears intact; metal roofing visible and in generally good condition from the photos. Site issues: overgrown vegetation directly against the siding, an uneven/overgrown concrete walkway, and a small set of entry steps with a rudimentary wooden handrail. The house sits on piers/blocks (crawlspace) and foundation condition not fully visible. Vegetation touching siding and the unkempt yard elevate risk for pests and moisture intrusion but are relatively easy to correct."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Potential electrical hazard: loose/exposed cables near fireplace/flooring area visible in photos (requires correction and electrician inspection).",
"Window egress concerns: multiple windows are heavily covered/torn or possibly damaged which could fail egress requirements until repaired or replaced.",
"Unsafe/unfinished entry steps/handrail: handrail appears makeshift and may not meet code/grip requirements.",
"Possible water intrusion / moisture risk from vegetation contacting siding which can lead to pest or rot issues if not cleared."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists (ceiling vent visible) but its operational status is unknown and must be verified.",
"Water heater and electrical service/panel are present on-site but not photographed; assumed intact unless testing shows otherwise.",
"Bedrooms have egress windows of code-minimum size, but some windows are obstructed/covered and may need repair to meet egress requirements.",
"Smoke detector shown in living area is functional; additional detectors (in/near bedrooms) are not visible and may be missing.",
"Bathroom and kitchen likely do not have GFCI‑protected outlets visible in photos; GFCI requirement may create a minor fail if not installed.",
"No visible active roof leaks, major structural sagging, or collapsed ceilings were observed in provided photos; hidden issues cannot be excluded.",
"Overgrown vegetation close to siding increases pest/moisture risk but is a remedial exterior maintenance item rather than immediate structural failure."
],
"overall_score": 68.0,
"rubric_version": "nspp-inspect-v1.0"
},
{
"summary": "Property is generally cosmetically updated and likely rentable after modest repairs, but there are multiple inspection-risk items that need addressing prior to a Housing Choice Voucher/NSPIRE inspection: replace/repair broken windows and remove coverings to ensure egress, secure/repair the front steps/handrail, verify/repair loose wiring and install required GFCI protection, and clean/clear exterior vegetation. With 1–4 weeks of targeted repairs and system verifications this property should be able to pass an initial inspection; as photographed it carries a moderate inspection risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows recent cosmetic updates (new paint, vinyl plank flooring) but visible deferred items remain: torn/temporary window coverings, at least one interior door/closet door detached, scuffed/dirty cabinetry, some loose or uneven floor planks, and general cleanup needed. Major appliances (stove and refrigerator) are present but older and dirty. These are mostly cosmetic/repair items that should be fixed within 2–4 weeks; no obvious large-scale structural damage observed."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 55.0,
"rationale": "Some basic safety items are present (living area smoke alarm visible; entry door has knob and secondary lock). However there are several NSPIRE risks visible or likely: multiple windows are covered/boarded with black plastic (blocks egress and light), at least one loose/ exposed cable near the fireplace area, kitchen and bath GFCI outlets are not visible (likely missing), and the front steps railing is flimsy / minimal. Window coverings that block egress would be an immediate fail until corrected. No obvious active roof leaks, collapsed ceilings, or major foundation failure observed in photos, but the visible issues create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Roof appears intact (metal panels visible) and plumbing fixtures (sink, tub, toilet) are present. A ceiling vent register is visible in a bedroom indicating a central HVAC distribution system likely exists. No water stains or obvious active leaks are visible in interior photos. Electrical panel and water heater are not shown; appliance wiring appears older. Given the visible condition, systems are likely functional but aged and should be verified (HVAC operation, hot water, electrical panel integrity, GFCI protection)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Siding appears materially intact; roof metal appears serviceable. Yard is overgrown, vegetation contacts the building (moisture/pest risk) and should be cleared. Walkway is cracked and uneven in places; front stoop has an improvised/weak handrail. Foundation sits on blocks/piers visible in photos and no obvious movement or sagging is seen, but pier condition unseen. Overall exterior needs landscaping, walk/step repairs, and verification of secure entry and safe stoop/handrail to meet NSPIRE."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Windows covered/boarded with black plastic blocking emergency egress in multiple rooms (immediate inspection fail until corrected).",
"Loose/exposed cable or wiring visible near the fireplace area (electrical hazard that requires correction).",
"Front steps/handrail appear improvised/insufficient and may not meet egress/guardrail requirements.",
"Temporary/removed closet/room door (door leaning against wall) — interior security/privacy and trip risk until reinstalled.",
"Vegetation contacting siding and overgrown yard creating moisture and pest risk."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists (ceiling vent visible) and is operational, but the condenser/furnace are not shown and should be verified.",
"Water heater is present and providing hot water; not visible in photos so operability is assumed but must be confirmed.",
"Electrical service/panel is intact and up to code; panel not photographed so assumption is based on absence of visible major electrical damage but GFCI devices near sink are likely missing and must be installed.",
"Windows that are currently covered with black plastic have damaged or missing panes or screens and will require repair or replacement.",
"Stove and refrigerator are present and assumed operable but are aged and should be tested and serviced as needed.",
"No major hidden structural issues (foundation movement, roof failure, collapsed ceilings) exist beyond what is visible—if interior/underfloor inspection reveals these, score would drop significantly."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate inspection risk but generally repairable. The home shows recent cosmetic updates and intact major envelope elements (siding, roof visible), with functioning lighting, kitchen appliances, and plumbing fixtures present. Primary inspection hurdles likely are egress/window repairs (torn/covered bedroom windows), smoke alarm placement (only one visible), and the front entry steps/handrail condition. Mechanical systems are not fully documented but appear plausible (ceiling vent suggests HVAC). With targeted repairs (secure/repair windows, install additional smoke/CO alarms as required, secure/replace handrail, clean/repair minor trim and floors), the property should be able to pass an initial HCV/NSPIRE inspection within 30 days. Estimated time-to-rent: 2-6 weeks depending on addressing egress and alarm issues.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 70.0,
"rationale": "Interior shows recent cosmetic updates (new paint and vinyl plank flooring) and functioning basic fixtures; kitchen appliances (stove, refrigerator) are present though older and worn. Visible issues: torn/removed window coverings, a detached interior door leaning against closet, scuffed cabinets, dirty/unfinished trim, and general cleanliness/debris. These are primarily minor/turnkey repairs (new door rehanging, window coverings, cleaning, appliance servicing) and cosmetic work. Missing or aged appliances reduce score moderately but are not catastrophic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE Safety & Code Risks",
"score": 60.0,
"rationale": "Positive: interior lighting works and at least one smoke detector is visible in the main living area. Observed risks: bedroom windows are covered with taped black paper (photos show torn coverings) which may indicate broken/non-operable windows or conceal damaged sill/frames and could fail bedroom egress checks; only one smoke alarm is visible (NSPIRE requires alarms in each sleeping area/level); front entry steps have a minimal/DIY railing that appears loose and may fail handrail/guard requirements; bathroom window is fully covered and tile/grout appear aged with staining. No obvious exposed live wiring in photos and electrical outlets/covers are present, but electrical panel and service condition were not shown. These safety issues are fixable but are inspection-fail risks until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Mechanical Systems",
"score": 65.0,
"rationale": "Roof appears intact (metal roofing visible) and exterior siding is serviceable. A ceiling vent is visible in a bedroom indicating a central HVAC ducted system likely present, but no exterior HVAC unit, water heater, or electrical panel photos were provided. Plumbing fixtures (toilet, sink, tub/shower) are present; no visible standing water. Stove is electric (reduces gas-related venting concerns). Because major systems are not fully shown, score is an informed estimate assuming typical functioning systems given the property's recent rental history and lack of obvious catastrophic damage."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 60.0,
"rationale": "Siding and roof look generally intact in photos. However, the yard and walkways are overgrown, the concrete path has vegetation intrusion and potential trip hazards, and the steps/handrail appear makeshift and marginal. Trees are very close to the structure which could cause future roof/gutter issues. Foundation appears to be raised on piers/blocks; no obvious large foundation cracks pictured. Overall exterior deficiencies are moderate and mostly remedial but need attention for safety and curb appeal."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Potential bedroom egress failure: multiple bedroom windows are covered/taped and possibly damaged—must be verified/repaired before inspection.",
"Front entry steps/handrail appears makeshift/loose — potential unsafe stairs/handrail requiring repair or replacement.",
"Only one smoke detector visible (main living area); lack of visible smoke alarms in each sleeping area/level is a likely NSPIRE fail.",
"Bathroom window covered and tiled area shows staining/age — could indicate water intrusion or need for grout/caulk remediation."
],
"confidence": 0.67,
"assumptions": [
"Central HVAC is present and operational based on visible ceiling vent; no separate heating source observed in photos.",
"Water heater and hot water are present and functional (not photographed).",
"Electrical service and panel are intact and located but were not shown; no visible exposed wiring in photos.",
"Window glass is mostly present behind the black coverings, but coverings may conceal broken sashes/frames — assessor treats them as potential egress failures until replaced/repaired.",
"Kitchen stove and refrigerator are present and assumed operable; stove is electric (no gas venting expected).",
"Laundry room exists per listing but washer/dryer condition unknown and not required for pass.",
"No active roof leaks were observed in interior photos; roof is assumed serviceable based on exterior imagery.",
"Foundation and structural framing appear intact in photos; no obvious sagging or large cracks seen."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6721 Grasselli Rd, Fairfield, AL, 35064",
"aggregate": {
"summary": "Overall moderately ready for Section 8/HCV initial inspection with primarily cosmetic and code-verification items to address. Interior shows recent paint and flooring and kitchen/bathroom fixtures are present, but there are inspection risks that need correction or verification (torn/covered windows affecting egress, likely missing GFCIs, loose/visible wiring, and a makeshift entry handrail). Major systems (HVAC, water heater, electrical panel) are not fully documented in photos and should be tested. With 1–4 days of targeted repairs (secure/repair windows, install/verify smoke/CO/GFCI devices, secure handrail, correct a few flooring and cabinet issues) plus functional testing/repairs of mechanicals if needed, the property is likely rent-ready. Presence of recent rental history improves pass likelihood.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 69.3,
"rationale": "Interior shows recent paint and new vinyl plank flooring but there are several cosmetic/finish defects: loose or mismatched flooring panels, a bedroom/closet door removed and leaning, damaged cabinet faces and worn kitchen trim, torn window coverings, dirt/debris in rooms and scuffed baseboards. Appliances (range and refrigerator) are present but old and cosmetically worn. These are mostly cosmetic/medium-scope repairs (replace a few floor planks, rehung door, clean, repaint, cabinet touch-up or replace appliances if desired) and should be addressable within a short rehab timeline."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 61.7,
"rationale": "Exterior vinyl siding appears intact; metal roofing visible and in generally good condition from the photos. Site issues: overgrown vegetation directly against the siding, an uneven/overgrown concrete walkway, and a small set of entry steps with a rudimentary wooden handrail. The house sits on piers/blocks (crawlspace) and foundation condition not fully visible. Vegetation touching siding and the unkempt yard elevate risk for pests and moisture intrusion but are relatively easy to correct."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 57.7,
"rationale": "Visible safety items: at least one smoke detector is present on a ceiling in the main living area and exterior doors show a deadbolt. However there are inspection risks: several windows are covered/torn (some may be broken) which could affect emergency egress/clear opening; bathroom and kitchen likely lack visible GFCI outlets which is commonly required; there are loose cords/exposed cables near the fireplace floor and some unfinished stair/entry railing that appears makeshift and may not meet handrail/graspability requirements. No active collapsed ceilings, major foundation cracking, or obvious roof leaks were observed in photos. Hot water, GFCI, and CO detection status are unknown and will require verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 63.3,
"rationale": "Roof appears to be metal and shows no visible large failures in exterior photo. A ceiling vent is visible in a bedroom suggesting central HVAC ducting (presence of a working furnace/AC unit not verified). Plumbing fixtures (toilet, tub/shower, sink) are present but tiles/grout and fixtures show aging; water heater and electrical panel are not shown. The electric range is present (older coil type) and refrigerator present. Because key system components (panel, water heater, HVAC unit) are not visible and would need functional testing, score is moderate — likely serviceable but requires verification and some routine maintenance/repairs."
}
],
"red_flags": [
"Potential electrical hazard: loose/exposed cables near fireplace/flooring area visible in photos (requires correction and electrician inspection).",
"Window egress concerns: multiple windows are heavily covered/torn or possibly damaged which could fail egress requirements until repaired or replaced.",
"Unsafe/unfinished entry steps/handrail: handrail appears makeshift and may not meet code/grip requirements.",
"Possible water intrusion / moisture risk from vegetation contacting siding which can lead to pest or rot issues if not cleared."
],
"confidence": 0.9,
"assumptions": [
"Central HVAC exists (ceiling vent visible) but its operational status is unknown and must be verified.",
"Water heater and electrical service/panel are present on-site but not photographed; assumed intact unless testing shows otherwise.",
"Bedrooms have egress windows of code-minimum size, but some windows are obstructed/covered and may need repair to meet egress requirements.",
"Smoke detector shown in living area is functional; additional detectors (in/near bedrooms) are not visible and may be missing.",
"Bathroom and kitchen likely do not have GFCI‑protected outlets visible in photos; GFCI requirement may create a minor fail if not installed.",
"No visible active roof leaks, major structural sagging, or collapsed ceilings were observed in provided photos; hidden issues cannot be excluded.",
"Overgrown vegetation close to siding increases pest/moisture risk but is a remedial exterior maintenance item rather than immediate structural failure."
],
"score_method": "mean_of_criteria",
"overall_score": 63.6,
"rubric_version": "nspp-inspect-v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8474997137"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.