Property ID: 8475604765
845 29th St SW, Birmingham, AL, 35211
Birmingham, AL
Money Down: $26,376
CoC Return: 11.94%
Monthly Cash Flow: $263
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,980
Closing Costs
$4,396
Total Down
$26,376
Investment Snapshot
Purchase Price
$109,900
Money Down
$26,376
Cash-on-Cash Return
11.94%
Rent
$1,145
Monthly Cash Flow
$263
Annual Cash Flow
$3,150
Debt Service / Mo
$585
Property Tax / Mo
$114
Insurance / Mo
$69
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,145
Payment Standard
$1,584
Rent
$1,145
Insurance
$69
Property Tax
$114
Management
$114
Utilities Allowance
$439
NOI (Monthly)
$847
Debt Service
$585
Cash Flow After Debt
$263
Quality Score: 71.10%
Confidence: 88.00%
Overall this property presents as a mostly turn-key, rentable single-family brick home with central AC, fenced yard, carport and tenant in place. Visible issues are primarily minor-to-moderate: cosmetic wear, an interior wall opening/unfinished outlet area, aged roof shingles, and potential egress concern from a barred rear window. These create a moderate NSPIRE inspection risk but no obvious life‑threatening structural failures were observed. With a short targeted list of corrections (seal/cover exposed wiring/openings, confirm/replace smoke & CO detectors, verify/remove/modify any bedroom egress bars, and roof/grade evaluation) the home should be able to pass an initial HCV/NSPIRE inspection within a short timeframe.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$439
Guaranteed Section 8 Rent (PS - Utilities)
$1,145
Property Management
$114
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,900
Beds
3
Baths
1
Living Area
2,108 sqft
Lot Size
8,276 sqft
Year Built
1956
Days on Market
83
Capital Outlay
$26,376
Debt Service
$585
Property Tax / Mo
$114
Insurance / Mo
$69
Property Description
Turned key rental. 3 bedroom 1 bath full brick home in Westend. Closed to downtown and UAB. Quiet and clean neighborhood. Wood floor, central AC, fenced yard, car port. Large pancake lot Storage building. Tenant in place.
Utility Allowances
Heating
$38
Property has central heat. The listing specifies a gas water heater, suggesting natural gas is the heating fuel. 'N'Gas: Spire' was selected as the most likely provider for the area.
Cooling
$22
Property listing mentions 'central AC'. 'A/C: Alabama Power' was selected as the primary electric provider for the area.
Cooking
$21
Property listing specifies an 'Stove-Electric'. 'Elec: Ala Power' was selected as the primary electric provider.
Water Heating
$35
Property listing explicitly states 'Gas Water Heater'. 'N'Gas: Spire' was selected as the most common provider.
Other Electric
$68
Covers standard tenant electric use for lights and plug-in appliances. 'Lights, Ref, Etc.: Ala Power' was selected as the primary electric provider for the area.
Water
$78
Property listing states 'Public Water'. 'Water: Birmingham' is the appropriate jurisdiction based on the property's address.
Sewer
$151
Property listing indicates it is 'Sewer Connected'. The allowance is a fixed rate from the schedule.
Trash Collection
$20
Trash collection is a standard utility. 'Jefferson City (Once per week)' is the most applicable general rate for the property's location in Jefferson County.
Range/Microwave
$6
The property does not explicitly state a microwave is provided, so it is assumed to be tenant-owned.
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$679
DP3 Annual Estimate$976
DP1 Monthly Equivalent$57
DP3 Monthly Equivalent$81
Replacement Value$79,500
Basis2,108 sqft / 1956
Nearby Houses
Photo unavailable
2820 Jefferson Ave SW
sold · 0.03 mi
Price: $130,000
3 bd / 1 ba · 1,040 sqft
Latest sale: $130,000 on Nov 17, 2022
Latest rent: —
Photo unavailable
827 29th St SW
sold · 0.05 mi
Price: $25,900
2 bd / 1 ba · 1,065 sqft
Latest sale: $25,900 on Mar 29, 2022
Latest rent: —
Photo unavailable
2808 Steiner Ave SW
sold · 0.07 mi
Price: $116,000
3 bd / 1 ba · 1,186 sqft
Latest sale: $116,000 on Aug 07, 2023
Latest rent: —
Photo unavailable
2800 Steiner Ave SW
sold · 0.07 mi
Price: $48,000
3 bd / 1 ba · 1,340 sqft
Latest sale: $48,000 on Feb 13, 2020
Latest rent: —
Photo unavailable
2901 Jefferson Ave SW
off_market · 0.10 mi
Price: $169,900
3 bd / 2 ba · 1,975 sqft
Latest sale: $65,000 on May 07, 2025
Latest rent: —
Photo unavailable
772 29th St SW
sold · 0.12 mi
Price: $27,000
3 bd / 1 ba · 1,161 sqft
Latest sale: $27,000 on Feb 15, 2019
Latest rent: $735 on Aug 01, 2017
Photo unavailable
829 28th St SW
sold · 0.13 mi
Price: $65,000
3 bd / 1 ba · 1,380 sqft
Latest sale: $65,000 on Jul 21, 2022
Latest rent: $1,050 on Sep 09, 2022
Photo unavailable
820 28th St SW
sold · 0.14 mi
Price: $170,000
3 bd / 2 ba · 1,440 sqft
Latest sale: $170,000 on Feb 09, 2026
Latest rent: —
Photo unavailable
2820 Wesley Ave SW
sold · 0.16 mi
Price: $62,000
3 bd / 1 ba · 1,048 sqft
Latest sale: $62,000 on Jul 31, 2025
Latest rent: —
Photo unavailable
908 27th St SW
off_market · 0.17 mi
Price: $1,200
3 bd / 1 ba · 1,094 sqft
Latest sale: $162,000 on Jul 17, 2025
Latest rent: $1,200 on Nov 18, 2025
Risk and Criteria Detail
Red Flags
- success
- Large unfinished hole/opening at interior base wall (possible exposed wiring/electrical hazard).
- Metal security bars on a rear window that may obstruct emergency egress (potential NSPIRE fail for bedroom egress if that window serves a sleeping room).
- Aged roof with visible discoloration/staining — near‑term replacement likely.
- Staining/efflorescence at foundation/wall base indicating possible grading or moisture issues that need investigation.
- No visible smoke detectors or CO alarms in interior photo (must verify/replace to meet NSPIRE requirements).
Assumptions
- Listing description 'Turned key rental' and presence of tenant imply functioning utilities and basic kitchen appliances are present though not visible in photos.
- Central AC is operational because an exterior condenser unit is present and listing states central AC.
- No active roof leaks or interior water damage beyond external staining are present since interior photos show no visible ceiling stains; however attic/roof condition not verified.
- Smoke and CO detectors are not visible in supplied photos; assume presence is uncertain and they may need verification or replacement.
- Electrical panel, GFCI protection in kitchen/bath, and hot water system are present but their condition is unknown and require on-site verification.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,329 | $91,700 | $18,340 |
| 2012 | $381 | $64,500 | $6,450 |
| 2011 | $433 | $72,000 | $7,200 |
| 2010 | $433 | $72,000 | $7,200 |
| 2009 | $433 | $72,000 | $7,200 |
| 2008 | $444 | $73,500 | $7,350 |
| 2007 | $416 | $69,500 | $6,950 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-06-06 | Sold | $71,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-06-11 | Listed for rent | $1,100 | — |
| 2024-09-10 | Listed for rent | $1,000 | — |
| 2024-07-18 | Listed for rent | $1,000 | — |
| 2023-06-15 | Listed for rent | $950 | — |
Photo Gallery
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"note": "Property has central heat. The listing specifies a gas water heater, suggesting natural gas is the heating fuel. 'N'Gas: Spire' was selected as the most likely provider for the area.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property listing mentions 'central AC'. 'A/C: Alabama Power' was selected as the primary electric provider for the area.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property listing specifies an 'Stove-Electric'. 'Elec: Ala Power' was selected as the primary electric provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property listing explicitly states 'Gas Water Heater'. 'N'Gas: Spire' was selected as the most common provider.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "Covers standard tenant electric use for lights and plug-in appliances. 'Lights, Ref, Etc.: Ala Power' was selected as the primary electric provider for the area.",
"utility": "Other Electric",
"allowance": 68
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{
"note": "Property listing states 'Public Water'. 'Water: Birmingham' is the appropriate jurisdiction based on the property's address.",
"utility": "Water",
"allowance": 78
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{
"note": "Property listing indicates it is 'Sewer Connected'. The allowance is a fixed rate from the schedule.",
"utility": "Sewer",
"allowance": 151
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{
"note": "Trash collection is a standard utility. 'Jefferson City (Once per week)' is the most applicable general rate for the property's location in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
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{
"note": "The property does not explicitly state a microwave is provided, so it is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 6
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{
"summary": "Overall this property presents as a mostly turn-key, rentable single-family brick home with central AC, fenced yard, carport and tenant in place. Visible issues are primarily minor-to-moderate: cosmetic wear, an interior wall opening/unfinished outlet area, aged roof shingles, and potential egress concern from a barred rear window. These create a moderate NSPIRE inspection risk but no obvious life‑threatening structural failures were observed. With a short targeted list of corrections (seal/cover exposed wiring/openings, confirm/replace smoke & CO detectors, verify/remove/modify any bedroom egress bars, and roof/grade evaluation) the home should be able to pass an initial HCV/NSPIRE inspection within a short timeframe.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Exterior brick shell and interior finishes appear mostly intact; yard and concrete surfaces are serviceable. Visible interior photo shows newer-looking laminate floors and painted walls but also a large hole/unfinished opening at base of interior wall and scuffed trim. Minor concrete driveway cracks and worn roof shingles are present. Listing states 'turnkey' and tenant in place, so major cosmetic work is likely already addressed. Missing or unshown kitchen fixtures/appliances were not heavily penalized because turnkey rental status and tenant presence imply basic appliances are present."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Several NSPIRE-relevant items are unknown or potentially non-compliant from photos: no smoke/CO detectors are visible in interior image; a large unfinished hole at base of an interior wall may expose wiring or create a trip/electrical hazard; rear window has metal security bars which could impede emergency egress if that window serves a bedroom. No exposed roof collapse, broken stairs or major structural sagging were observed. GFCI locations and electrical panel condition are not visible. These unknowns and the visible wall opening create a moderate inspection risk that will likely require corrective items."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Central AC is present (exterior condenser visible) and listing confirms central AC; that strongly suggests HVAC is operational. No visible water heater or interior plumbing photos to confirm hot water and plumbing function. Roof shows age and staining/discoloration and will likely need maintenance or replacement in the medium term but no active sagging or collapsed areas are visible. Electrical meter and service conduit visible at side but panel condition unknown. Overall systems appear functional but several key items are unverified from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Full-brick single-story structure with level yard, fenced rear area and a carport. Driveway and concrete surfaces are serviceable with hairline/isolated cracking. There is staining/efflorescence at the bottom of the front wall which suggests splash/grade or moisture management that should be inspected. Storage shed present on lot. No visible severe foundation cracks, major drainage ponds, or infestation evidence in supplied 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": [
"Large unfinished hole/opening at interior base wall (possible exposed wiring/electrical hazard).",
"Metal security bars on a rear window that may obstruct emergency egress (potential NSPIRE fail for bedroom egress if that window serves a sleeping room).",
"Aged roof with visible discoloration/staining — near‑term replacement likely.",
"Staining/efflorescence at foundation/wall base indicating possible grading or moisture issues that need investigation.",
"No visible smoke detectors or CO alarms in interior photo (must verify/replace to meet NSPIRE requirements)."
],
"confidence": 0.75,
"assumptions": [
"Listing description 'Turned key rental' and presence of tenant imply functioning utilities and basic kitchen appliances are present though not visible in photos.",
"Central AC is operational because an exterior condenser unit is present and listing states central AC.",
"No active roof leaks or interior water damage beyond external staining are present since interior photos show no visible ceiling stains; however attic/roof condition not verified.",
"Smoke and CO detectors are not visible in supplied photos; assume presence is uncertain and they may need verification or replacement.",
"Electrical panel, GFCI protection in kitchen/bath, and hot water system are present but their condition is unknown and require on-site verification."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this single-story brick house appears largely rent-ready and likely able to pass an initial HCV/NSPIRE inspection with a short list of targeted fixes. Exterior, yard, and major systems (central AC seen) are present and in generally good condition; there is active rental history which supports turnkey status. Primary inspection risks are an exposed electrical outlet/cover (visible inside), lack of visible smoke/CO detectors, and a rear window with security bars that could impede egress unless equipped with quick-release. The roof shows aging/staining but no visible structural failure. Expected path to pass: install/verify smoke and CO alarms, replace outlet covers and repair any exposed wiring, confirm egress for all bedrooms (remove or retrofit security bars with quick-release), verify hot water and plumbing, and address any minor interior cosmetic repairs. With these corrections the property should be Section 8 / NSPIRE compliant within approximately 1–4 weeks; without addressing the electrical and egress items the inspector would likely issue a fail.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Exterior brick shell and landscaping appear well maintained. Interior photo shows newer-looking laminated wood flooring in entry but there are small cosmetic issues (scuffed door, baseboard wear). Driveway has hairline/crack areas. Minor cosmetic repairs expected: outlet cover replacement, touch-up paint, threshold/trim work, possible window/ screen servicing. Missing appliances were not evident inside photos; listing states 'turned key' and tenant in place. Overall mostly cosmetic and moderate-touch repairs only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 55.0,
"rationale": "Visible code/safety concerns: interior photo shows at least one missing outlet cover/exposed box at low level (electrical hazard). No smoke or CO detectors are visible in the single interior image (must be installed per NSPIRE). Rear window on the small bump-out has security bars visible — this could fail bedroom egress if not quick-release (unknown). Exterior steps have a short decorative railing but no major trip hazards seen. No visible active leaks, collapsed ceilings, or major foundation movement. Because of the exposed outlet and potential egress/security-bar issue, this category is a moderate inspection risk and likely requires corrective work before passing."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Central AC condenser is present at rear (listing and photo confirm central AC). Roof shingles show age/discoloration and staining but no visible sagging or missing fields in photos; likely serviceable short-term but may need replacement in medium term. Electrical service meter and exterior conduit are present; no open/overhead hazards visible. Water heater and interior plumbing fixtures are not shown; working hot water/plumbing unknown. No visible standing water or drainage issues. Overall systems appear present and functional, but roof age and missing interior verification of plumbing/electrical details reduce score slightly."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Full brick single-story home with level, well-maintained yard and fenced rear yard (chain link visible). Carport appears structurally sound; concrete driveway intact albeit with minor cracking. Backyard is flat with storage shed(s) present. No visible evidence of major foundation cracking, standing water, or severe exterior deterioration. Mature trees exist but do not appear to infringe on the structure. Overall exterior/site condition is good."
},
{
"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": [
"Exposed electrical outlet / missing outlet cover visible inside (electrical shock/fire hazard).",
"Rear window with security bars — potential bedroom egress failure unless quick-release present.",
"No smoke alarms or CO alarms visible in provided interior photo (NSPIRE requirement).",
"Roof shows aging and staining — needs closer inspection for remaining service life."
],
"confidence": 0.7,
"assumptions": [
"Interior photos are limited; assumed kitchen, bathroom and remaining bedrooms are serviceable because listing states 'turned key' and tenant in place.",
"Central HVAC is assumed operational because outdoor condenser is present and listing lists 'central AC'.",
"No obvious active roof leaks or structural sagging are visible, but roof appears aged — assumed serviceable in short-term.",
"Missing smoke/CO detectors were not visible in provided interior image; assumed not reliably installed or not visible and must be verified/installed.",
"Security bars on rear window (visible) may affect egress; assumed they are not confirmed quick-release.",
"Water heater, electrical panel interior, and GFCI outlets cannot be confirmed from photos and assumed typical condition unless inspection identifies issues."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this appears to be a mostly turnkey single-family rental with tenant in place, central AC, intact brick envelope, fenced yard and carport. Primary inspection risks are missing/didn't-show safety devices (smoke/CO detectors not visible), a visible missing outlet cover/exposed opening in the entry, and an aged roof that may require replacement within a few years. Major structural or life‑safety failures are not apparent in the photos. With quick fixes (install/verify smoke & CO detectors, cover exposed electrical outlet, verify GFCI and egress windows, basic roof assessment) the home is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks depending on interior kitchen/bath checks and confirmation of hot water and functioning plumbing/electrical systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior brick and grounds are generally well maintained; interior photo of entry shows intact flooring and painted surfaces. Observed minor deferred maintenance: small hole / missing outlet cover low on the wall in the entry photo, minor driveway cracking, and roof shingles are aged and stained (likely near mid-to-late service life). Listing states 'turned key' and tenant in place which suggests no major cosmetic rehab required. Missing kitchen/bath photos prevent confirmation of appliance condition; however missing appliances would be moderate, not catastrophic. Overall mostly cosmetic/minor repairs expected."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 72.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible major foundation movement). Entry door has a deadbolt. Observed concerns: no smoke detector/CO device visible in the provided interior photo (not definitive), visible missing outlet cover/exposed electrical box in entry (safety hazard), and a barred rear window (photo) which could impair egress if on a bedroom window; bedroom egress windows are not shown. GFCI presence in kitchen/bath can't be confirmed. These items are likely fixable quickly but are NSPIRE inspection risks if not already corrected."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Central AC is present and an outdoor condenser is visible, supporting the listing claim of central AC. No HVAC damage is visible. Roof shows aged shingles and staining — likely service life remaining but may need replacement within a few years. Electrical panel, hot water heater, and interior plumbing fixtures are not shown; no obvious external plumbing leaks observed. With tenant in place and no visible major system failure, expect typical mid‑life systems that should be inspected; some service or minor replacements may be required."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Full brick exterior in generally good condition with small decorative landscaping and a fenced yard. Large yard, storage shed, and covered carport are positives. Concrete drive and carport show typical cracking/age but are functional. No visible major foundation cracking, no standing water, and no obvious infestation or extensive neglect. Some lower brick staining near grade may indicate splash/soil contact that could be monitored."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No smoke or CO detector visible in interior photo — potential immediate NSPIRE fail if absent or nonfunctional.",
"Visible missing outlet cover / exposed opening at baseboard in entry — electrical shock hazard and NSPIRE failure until corrected.",
"Aged/shingled roof with staining and discoloration — may approach end of service life; needs professional evaluation.",
"Barred/reinforced rear window could impede emergency egress if present on a required bedroom window.",
"Interior kitchen/bath not shown — inability to confirm GFCI protection, working hot water, and sanitary plumbing fixtures is an inspection risk until verified."
],
"confidence": 0.6,
"assumptions": [
"Listing statement 'central AC' is accurate and the exterior AC condenser visible is operational.",
"Tenant in place and 'turned key' listing implies no major interior damage not shown in photos.",
"Kitchen and bathroom fixtures and hot water are present and functioning unless otherwise indicated (no interior photos provided to confirm).",
"Absence of visible smoke/CO detectors in provided photos does not definitively mean they are absent; however they must be verified before inspection.",
"Window bars seen on a rear window could be decorative or have quick‑release; their impact on egress is unknown and must be confirmed.",
"No signs of major foundation movement, structural sagging, collapsed ceilings, or significant mold were visible in provided photos; none inferred beyond normal aging."
],
"overall_score": 79.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "845 29th St SW, Birmingham, AL, 35211",
"aggregate": {
"summary": "Overall this property presents as a mostly turn-key, rentable single-family brick home with central AC, fenced yard, carport and tenant in place. Visible issues are primarily minor-to-moderate: cosmetic wear, an interior wall opening/unfinished outlet area, aged roof shingles, and potential egress concern from a barred rear window. These create a moderate NSPIRE inspection risk but no obvious life‑threatening structural failures were observed. With a short targeted list of corrections (seal/cover exposed wiring/openings, confirm/replace smoke & CO detectors, verify/remove/modify any bedroom egress bars, and roof/grade evaluation) the home should be able to pass an initial HCV/NSPIRE inspection within a short timeframe.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 74.0,
"rationale": "Exterior brick shell and interior finishes appear mostly intact; yard and concrete surfaces are serviceable. Visible interior photo shows newer-looking laminate floors and painted walls but also a large hole/unfinished opening at base of interior wall and scuffed trim. Minor concrete driveway cracks and worn roof shingles are present. Listing states 'turnkey' and tenant in place, so major cosmetic work is likely already addressed. Missing or unshown kitchen fixtures/appliances were not heavily penalized because turnkey rental status and tenant presence imply basic appliances are present."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Full-brick single-story structure with level yard, fenced rear area and a carport. Driveway and concrete surfaces are serviceable with hairline/isolated cracking. There is staining/efflorescence at the bottom of the front wall which suggests splash/grade or moisture management that should be inspected. Storage shed present on lot. No visible severe foundation cracks, major drainage ponds, or infestation evidence in supplied 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."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 62.3,
"rationale": "Several NSPIRE-relevant items are unknown or potentially non-compliant from photos: no smoke/CO detectors are visible in interior image; a large unfinished hole at base of an interior wall may expose wiring or create a trip/electrical hazard; rear window has metal security bars which could impede emergency egress if that window serves a bedroom. No exposed roof collapse, broken stairs or major structural sagging were observed. GFCI locations and electrical panel condition are not visible. These unknowns and the visible wall opening create a moderate inspection risk that will likely require corrective items."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Central AC is present (exterior condenser visible) and listing confirms central AC; that strongly suggests HVAC is operational. No visible water heater or interior plumbing photos to confirm hot water and plumbing function. Roof shows age and staining/discoloration and will likely need maintenance or replacement in the medium term but no active sagging or collapsed areas are visible. Electrical meter and service conduit visible at side but panel condition unknown. Overall systems appear functional but several key items are unverified from photos."
}
],
"red_flags": [
"Large unfinished hole/opening at interior base wall (possible exposed wiring/electrical hazard).",
"Metal security bars on a rear window that may obstruct emergency egress (potential NSPIRE fail for bedroom egress if that window serves a sleeping room).",
"Aged roof with visible discoloration/staining — near‑term replacement likely.",
"Staining/efflorescence at foundation/wall base indicating possible grading or moisture issues that need investigation.",
"No visible smoke detectors or CO alarms in interior photo (must verify/replace to meet NSPIRE requirements)."
],
"confidence": 0.88,
"assumptions": [
"Listing description 'Turned key rental' and presence of tenant imply functioning utilities and basic kitchen appliances are present though not visible in photos.",
"Central AC is operational because an exterior condenser unit is present and listing states central AC.",
"No active roof leaks or interior water damage beyond external staining are present since interior photos show no visible ceiling stains; however attic/roof condition not verified.",
"Smoke and CO detectors are not visible in supplied photos; assume presence is uncertain and they may need verification or replacement.",
"Electrical panel, GFCI protection in kitchen/bath, and hot water system are present but their condition is unknown and require on-site verification."
],
"score_method": "mean_of_criteria",
"overall_score": 71.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8475604765"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.