Property ID: 8501372649
5211 Loop Rd, Birmingham, AL, 35224
Birmingham, AL
Money Down: $18,000
CoC Return: 23.67%
Monthly Cash Flow: $355
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,000
Closing Costs
$3,000
Total Down
$18,000
Investment Snapshot
Purchase Price
$75,000
Money Down
$18,000
Cash-on-Cash Return
23.67%
Rent
$944
Monthly Cash Flow
$355
Annual Cash Flow
$4,261
Debt Service / Mo
$399
Property Tax / Mo
$54
Insurance / Mo
$42
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$944
Payment Standard
$1,518
Rent
$944
Insurance
$42
Property Tax
$54
Management
$94
Utilities Allowance
$574
NOI (Monthly)
$754
Debt Service
$399
Cash Flow After Debt
$355
Quality Score: 68.10%
Confidence: 80.00%
Overall this property appears moderately turnkey for a Housing Choice Voucher inspection. The metal roof and recent exterior updates are positives and the property benefits from a Section 8 tenant in place. Primary concerns are exposed foundation/skirting gaps, an uneven/missing section of the front walkway (trip hazard), and lack of visible central heating (window AC only). Many NSPIRE-required items (smoke/CO detectors, GFCI, electrical panel, water heater, bedroom egress) are not visible and must be verified. With targeted fixes (repair skirting/foundation gaps, fix walkway, confirm/repair heating and smoke/CO/GFCI compliance) this home is likely to pass an initial HCV inspection within 1–4 weeks; current overall readiness estimated at 70/100.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$574
Guaranteed Section 8 Rent (PS - Utilities)
$944
Property Management
$94
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$75,000
Beds
3
Baths
1
Living Area
1,218 sqft
Lot Size
11,326 sqft
Year Built
1913
Days on Market
164
Capital Outlay
$18,000
Debt Service
$399
Property Tax / Mo
$54
Insurance / Mo
$42
Property Description
Take advantage of this excellent opportunity to invest in a recently updated income-producing property. Located in the Wylam community, 5211 Loop Rd is currently leased to a dependable Section 8 tenant, generating $900 in guaranteed monthly rent. This three-bedroom, one-bathroom home offers comfortable living space and a strong rental history, making it a turnkey addition to any investor's portfolio. The tenant in place ensures reliable cash flow from day one. Situated close to schools, public transportation, and local amenities, this property appeals to renters seeking both convenience and comfort. With the added security of a Section 8 lease, this is a low-risk, high-reward opportunity for both new and seasoned investors. Don't miss your chance to own a stress-free, income-generating property - schedule your showing today!
Utility Allowances
Heating
$93
Property has central heating. Fuel type was not specified, so electric was assumed as it is consistent with the electric water heater and is the highest cost option. Selected 'Elec Heat: Ala Power' for a 3-bedroom unit.
Cooling
$22
Property has central air conditioning, which is electric. Selected 'A/C: Alabama Power' for a 3-bedroom unit, assuming Alabama Power is the provider.
Water Heating
$56
Property listing specifies an electric water heater. Selected 'Elec: Ala Power' for a 3-bedroom unit.
Cooking
$21
No cooking appliance is listed, so it is assumed to be tenant-provided. Electric was chosen to be consistent with other electric appliances. Selected 'Elec: Ala Power' for a 3-bedroom unit.
Other Electric
$68
This covers baseline electricity for lights and other appliances. Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so it is treated as a tenant-paid utility. The allowance is a fixed rate from the schedule for a 3-bedroom unit.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so it is treated as a tenant-paid utility. The allowance is a fixed rate from the schedule for a 3-bedroom unit.
Water
$129
The property has public water. The 'Area' is listed as 'Mulga, Wylam'. 'Water: Mulga' was selected as the most applicable and highest-cost option for a 3-bedroom unit.
Sewer
$151
Property listing specifies 'Sewer: Connected'. The allowance is a fixed rate from the schedule for a 3-bedroom unit.
Trash Collection
$20
Trash service was not specified. 'Mulga ISCL' was selected from the schedule based on the property's listed 'Area' of 'Mulga, Wylam' for a 3-bedroom unit.
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$430
DP3 Annual Estimate$567
DP1 Monthly Equivalent$36
DP3 Monthly Equivalent$47
Replacement Value$37,800
Basis1,218 sqft / 1913
Nearby Houses
Photo unavailable
5213 Loop Rd
off_market · 0.01 mi
Price: $89,500
3 bd / 1 ba · 1,400 sqft
Latest sale: $82,500 on Oct 02, 2023
Latest rent: $750 on Oct 22, 2018
Photo unavailable
5213 Loop Rd
sold · 0.03 mi
Price: $82,500
3 bd / 1 ba · 1,400 sqft
Latest sale: $82,500 on Oct 02, 2023
Latest rent: $750 on Oct 22, 2018
Photo unavailable
5223 Loop Rd
for_sale · 0.08 mi
Price: $70,000
3 bd / 1 ba · 1,392 sqft
Latest sale: $76,500 on Mar 24, 2025
Latest rent: $1,200 on May 12, 2025
Photo unavailable
605 Oregon St
sold · 0.10 mi
Price: $114,500
3 bd / 2 ba · 1,152 sqft
Latest sale: $114,500 on Nov 04, 2025
Latest rent: $975 on Mar 29, 2022
Photo unavailable
613 Oregon St
sold · 0.11 mi
Price: $120,000
3 bd / 2 ba · 1,230 sqft
Latest sale: $120,000 on Jun 16, 2022
Latest rent: —
Photo unavailable
617 Oregon St
sold · 0.12 mi
Price: $99,950
3 bd / 2 ba · 1,210 sqft
Latest sale: $99,950 on May 19, 2023
Latest rent: $975 on Mar 24, 2023
Risk and Criteria Detail
Red Flags
- success
- foundation movement/exposed foundation and missing skirting (possible structural/entry point for pests)
- no visible heating system (only window AC units seen) — potential NSPIRE failure if adequate heat is not present
- major trip hazard at front walkway / missing/uneven threshold boards
Assumptions
- Interior condition is assumed serviceable because listing states recent updates and tenant in place; no interior photos were provided.
- Utilities are active (electric/water) since tenant is in-place and rent reported as collected.
- Window AC units are used for cooling; a compliant heating system may exist inside but was not visible in photos—if none exists, a heating-related inspection failure is possible.
- Electrical panel, GFCI protection in kitchen/bath, smoke and CO detectors, and water heater are assumed present but unverified; these must be confirmed prior to inspection.
- No visible signs of major roof leaks or collapsed ceilings from exterior; interior inspection recommended to confirm.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $627 | $43,300 | $8,660 |
| 2023 | $627 | $43,300 | $8,660 |
| 2022 | $475 | $32,800 | $6,560 |
| 2021 | $475 | $32,800 | $6,560 |
| 2020 | $475 | $32,800 | $6,560 |
| 2019 | $475 | $32,800 | $6,560 |
| 2018 | $407 | $28,100 | $5,620 |
| 2017 | $407 | $28,100 | $5,620 |
| 2016 | $407 | $28,100 | $5,620 |
| 2015 | $407 | $28,100 | $5,620 |
| 2013 | $400 | $27,700 | $5,540 |
| 2012 | $361 | $24,900 | $4,980 |
| 2011 | $366 | $25,300 | $5,060 |
| 2010 | $484 | $33,800 | $6,760 |
| 2009 | $484 | $33,800 | $6,760 |
| 2008 | $495 | $34,600 | $6,920 |
| 2007 | $488 | $34,100 | $6,820 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1993-10-01 | Sold | $5,400 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-12-13 | Listed for rent | $1,000 | — |
| 2017-03-20 | Listed for rent | $700 | — |
Photo Gallery
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"assessment": {
"land": null,
"total": 5620,
"building": null
}
},
{
"tax": 407,
"year": 2015,
"market": {
"land": 5500,
"total": 28100,
"building": 22600
},
"assessment": {
"land": null,
"total": 5620,
"building": null
}
},
{
"tax": 400,
"year": 2013,
"market": {
"land": 5500,
"total": 27700,
"building": 22200
},
"assessment": {
"land": null,
"total": 5540,
"building": null
}
},
{
"tax": 361,
"year": 2012,
"market": {
"land": 5500,
"total": 24900,
"building": 19400
},
"assessment": {
"land": 1100,
"total": 4980,
"building": 3880
}
},
{
"tax": 366,
"year": 2011,
"market": {
"land": 5500,
"total": 25300,
"building": 19800
},
"assessment": {
"land": 1100,
"total": 5060,
"building": 3960
}
},
{
"tax": 484,
"year": 2010,
"market": {
"land": 5500,
"total": 33800,
"building": 28300
},
"assessment": {
"land": 1100,
"total": 6760,
"building": 5660
}
},
{
"tax": 484,
"year": 2009,
"market": {
"land": 5500,
"total": 33800,
"building": 28300
},
"assessment": {
"land": 1100,
"total": 6760,
"building": 5660
}
},
{
"tax": 495,
"year": 2008,
"market": {
"land": 5500,
"total": 34600,
"building": 29100
},
"assessment": {
"land": 1100,
"total": 6920,
"building": 5820
}
},
{
"tax": 488,
"year": 2007,
"market": {
"land": 5500,
"total": 34100,
"building": 28600
},
"assessment": {
"land": 1100,
"total": 6820,
"building": 5720
}
}
],
"property_history": [
{
"date": "2025-09-04",
"price": 75000,
"listing": {
"status": "for_sale",
"list_date": "2025-09-04T23:13:50Z",
"list_price": 75000,
"listing_id": "2986054518",
"last_update_date": "2026-02-16T14:41:12Z",
"last_status_change_date": "2025-09-04T23:13:50Z"
},
"event_name": "Listed",
"price_sqft": 61.576354679802954,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21430226",
"price_change_percentage": null
},
{
"date": "2024-05-14",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2024-03-20T19:24:53Z",
"list_price": 79500,
"listing_id": "2965325317",
"last_update_date": "2024-05-10T15:04:30Z",
"last_status_change_date": "2024-05-14T07:54:20Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "55 days",
"source_listing_id": "21380226",
"price_change_percentage": null
},
{
"date": "2024-03-20",
"price": 79500,
"listing": {
"status": "off_market",
"list_date": "2024-03-20T19:24:53Z",
"list_price": 79500,
"listing_id": "2965325317",
"last_update_date": "2024-05-10T15:04:30Z",
"last_status_change_date": "2024-05-14T07:54:20Z"
},
"event_name": "Listed",
"price_sqft": 65.27093596059113,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21380226",
"price_change_percentage": null
},
{
"date": "2023-11-16",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-02-14T20:07:15Z",
"list_price": 85000,
"listing_id": "2940199182",
"last_update_date": "2022-11-16T17:12:38Z",
"last_status_change_date": "2023-11-16T07:54:11Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "640 days",
"source_listing_id": "1311152",
"price_change_percentage": null
},
{
"date": "2022-02-14",
"price": 85000,
"listing": {
"status": "off_market",
"list_date": "2022-02-14T20:07:15Z",
"list_price": 85000,
"listing_id": "2940199182",
"last_update_date": "2022-11-16T17:12:38Z",
"last_status_change_date": "2023-11-16T07:54:11Z"
},
"event_name": "Listed",
"price_sqft": 69.78653530377669,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1311152",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8501372649",
"generated_at": "2026-02-16T20:15:00.818710Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.1
},
"utility_allowance": {
"zip_code": "35224",
"home_photo": "https://ap.rdcpix.com/3a4c1ffb6c5e6367f6bd0b73891a77e2l-m1137184211s-w1280.jpg",
"rent_price": 944.0,
"loan_amount": 60000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/5211-Loop-Rd_Birmingham_AL_35224_M85013-72649",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 75000.0,
"loan_term_years": 30,
"annual_cash_flow": 9050.89,
"mortgage_monthly": 399.18,
"payment_standard": 1518.0,
"total_amount_out": 15000.0,
"additional_photos": [
"https://ap.rdcpix.com/3a4c1ffb6c5e6367f6bd0b73891a77e2l-m347724796s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 41.54,
"monthly_cash_flow": 754.24,
"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 has central heating. Fuel type was not specified, so electric was assumed as it is consistent with the electric water heater and is the highest cost option. Selected 'Elec Heat: Ala Power' for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has central air conditioning, which is electric. Selected 'A/C: Alabama Power' for a 3-bedroom unit, assuming Alabama Power is the provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property listing specifies an electric water heater. Selected 'Elec: Ala Power' for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "No cooking appliance is listed, so it is assumed to be tenant-provided. Electric was chosen to be consistent with other electric appliances. Selected 'Elec: Ala Power' for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "This covers baseline electricity for lights and other appliances. Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "A refrigerator is not listed as a provided appliance, so it is treated as a tenant-paid utility. The allowance is a fixed rate from the schedule for a 3-bedroom unit.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance, so it is treated as a tenant-paid utility. The allowance is a fixed rate from the schedule for a 3-bedroom unit.",
"utility": "Range/Microwave",
"allowance": 6
},
{
"note": "The property has public water. The 'Area' is listed as 'Mulga, Wylam'. 'Water: Mulga' was selected as the most applicable and highest-cost option for a 3-bedroom unit.",
"utility": "Water",
"allowance": 129
},
{
"note": "Property listing specifies 'Sewer: Connected'. The allowance is a fixed rate from the schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash service was not specified. 'Mulga ISCL' was selected from the schedule based on the property's listed 'Area' of 'Mulga, Wylam' for a 3-bedroom unit.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.6,
"down_payment_amount": 15000.0,
"property_tax_annual": 645.81,
"property_tax_monthly": 53.82,
"property_tax_increase": 0.03,
"utility_allowance_total": 574.0,
"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": 4260.71,
"property_management_monthly": 94.4,
"monthly_cash_flow_after_debt": 355.06,
"cash_on_cash_return_after_debt": 0.28
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this property appears moderately turnkey for a Housing Choice Voucher inspection. The metal roof and recent exterior updates are positives and the property benefits from a Section 8 tenant in place. Primary concerns are exposed foundation/skirting gaps, an uneven/missing section of the front walkway (trip hazard), and lack of visible central heating (window AC only). Many NSPIRE-required items (smoke/CO detectors, GFCI, electrical panel, water heater, bedroom egress) are not visible and must be verified. With targeted fixes (repair skirting/foundation gaps, fix walkway, confirm/repair heating and smoke/CO/GFCI compliance) this home is likely to pass an initial HCV inspection within 1–4 weeks; current overall readiness estimated at 70/100.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Exterior appears recently re-sided and metal roof looks in good condition. Visible deferred items: missing/partial skirting at foundation, staining at siding base, cracked/uneven concrete at driveway and front walkway, and minor exterior trim damage. These are mostly moderate repairs or cosmetic and typically fixable within a short timeline. No interior photos provided; missing interior appliance condition not observed but listing indicates tenant in place and recent updates, so interior likely serviceable. Overall: minor-to-moderate repair needs, not catastrophic."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No obvious life-threatening hazards visible from exterior photos (no collapsed structure, no obvious roof sag). Concerns: exposed foundation/large gaps under siding that could allow pest entry or present trip hazards, front walkway has a missing/uneven section creating a trip hazard, no visible smoke/CO detectors (interior not shown), and window AC units visible (no exterior evidence of central heating). Entry has a metal security door which likely secures entry. Electrical panel, GFCI locations and bedroom egress windows are not visible in photos and could be an inspection risk if not compliant. Because several NSPIRE-required items cannot be confirmed, risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 62.0,
"rationale": "Roof appears to be metal and in good visual condition from photos. No signs of active roof failure or major water intrusion externally. HVAC: only window AC units visible — no visible central heating or furnace; absence of a visible heating source is a potential NSPIRE issue unless an acceptable heating system exists inside. Electrical and plumbing systems, water heater, and drainage cannot be confirmed from photos. Presence of a tenant and listing claiming recent updates lowers likelihood of major system failure but confirmation is required. Score reflects visual positives (roof) but unknowns for other systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 58.0,
"rationale": "Yard appears maintained and mown; driveway is serviceable though cracked/uneven. Foundation skirting missing in places and exposed masonry/blocks visible; potential moisture/pest and erosion concerns near foundation. Vegetation and heavy brush line the rear property which could indicate drainage/overgrowth issues and possible pest habitat. No visible standing water in photos. Small front step/walkway area shows missing/loose boards creating a hazard. Overall, site is functional but shows deferred maintenance that should be addressed prior to inspection."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"foundation movement/exposed foundation and missing skirting (possible structural/entry point for pests)",
"no visible heating system (only window AC units seen) — potential NSPIRE failure if adequate heat is not present",
"major trip hazard at front walkway / missing/uneven threshold boards"
],
"confidence": 0.65,
"assumptions": [
"Interior condition is assumed serviceable because listing states recent updates and tenant in place; no interior photos were provided.",
"Utilities are active (electric/water) since tenant is in-place and rent reported as collected.",
"Window AC units are used for cooling; a compliant heating system may exist inside but was not visible in photos—if none exists, a heating-related inspection failure is possible.",
"Electrical panel, GFCI protection in kitchen/bath, smoke and CO detectors, and water heater are assumed present but unverified; these must be confirmed prior to inspection.",
"No visible signs of major roof leaks or collapsed ceilings from exterior; interior inspection recommended to confirm."
],
"overall_score": 70.0,
"rubric_version": "NSPIRE_v1_2026-02-16"
},
{
"summary": "Based on exterior photos and the listing information (active Section 8 tenancy), the property appears largely turnkey for a Housing Choice Voucher inspection with minor exterior repairs recommended. The metal roof and general siding condition are positives; primary uncertainties are interior-system visibility (heating, smoke/CO alarms, GFCIs, electrical panel) and missing skirting/exposed foundation areas. Because the unit is tenant-occupied under Section 8 and recently rented, there is a high likelihood it already passed a program inspection, but a short interior check (smoke/CO detectors, heating confirmation, GFCI in kitchen/bath, crawlspace/pest access repair) is recommended before transfer.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a recently replaced metal roof and full exterior cladding in generally good cosmetic condition. Minor deferred items visible: missing/partial skirting at foundation edges, localized siding discoloration under eaves, cracked/uneven driveway edge and some worn trim at threshold. No interior photos provided—no visible major cosmetic collapse or severe deterioration. Missing interior appliances and finishes cannot be confirmed; the presence of an active tenant and advertised as recently updated suggests interior condition is acceptable. Overall few repairs expected (cosmetic, skirting, minor concrete), so rated as minor repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 78.0,
"rationale": "Exterior shows a secure entry (metal security door) and exterior light. No exposed electrical wiring is visible on the photos. Egress windows appear to be standard size but interior confirmation not available. No visible missing guardrails for the low entry; front path has a low threshold but not an obvious trip hazard. Carbon monoxide/smoke detectors and GFCI outlets cannot be confirmed from exterior photos. Property is listed as tenant-occupied under Section 8, indicating recent compliance with program requirements likely, but because interior safety items cannot be visually confirmed, moderate-high compliance probability is assumed. No active water intrusion or roof leaks visible."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Metal roof appears in good condition (positive for roof life). No central HVAC equipment or outdoor condenser is visible; a window AC unit is present indicating cooling, and heating system type/condition is not visible from photos. Electrical panel, water heater and plumbing fixtures not visible. Some missing skirting could indicate possible crawlspace ventilation/insulation issues and potential moisture/pest access. Given the property is tenant-occupied and marketed as recently updated, it's reasonable to infer functional systems, but lack of visible heating and mechanical equipment creates uncertainty and reduces score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Yard is mowed and driveway provides off-street parking but shows cracking and edge deterioration. Vegetation and heavy groundcover behind the house is dense and could indicate past drainage challenges or create pest pressure; no standing water observed in images. Foundation is exposed in places and skirting is missing under portions of the siding which may allow pest entry and reduce energy efficiency. No visible major foundation cracking or slope/settlement is apparent from photos."
},
{
"key": "rental_history_activity",
"label": "Rental History / Section 8 Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible heating system or outdoor HVAC condenser in exterior photos (window AC present; confirm heating).",
"Missing/partial skirting and exposed foundation edges beneath siding – potential pest entry, insulation/ventilation issues.",
"Dense vegetation/groundcover immediately behind the house that may indicate drainage issues or create pest pressure; verify drainage away from foundation.",
"Interior life-safety devices (smoke/CO detectors, GFCI outlets) and electrical panel not visible — must be confirmed; absence would be a program fail."
],
"confidence": 0.7,
"assumptions": [
"Property interior was recently updated as stated in the listing and is in generally serviceable condition.",
"The active Section 8 tenancy implies the unit passed the most recent HQS/HAP inspection, so basic life-safety items (smoke detectors, operable heat) were likely present at that time.",
"Heating system exists and is functional (though not visible in exterior photos); cooling is provided by the visible window AC unit.",
"No major unseen structural problems exist beyond the exposed skirting and minor site drainage indicated in photos.",
"Appliances and interior GFCI protections are not visible; assume standard landlord-provided appliances or tenant-supplied appliances per current lease but verify before closing."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This appears to be a mostly turnkey, income-producing single-family property with a recent Section 8 tenant and likely recent inspection pass. Visible exterior items are mostly minor: a good-looking metal roof, intact siding, but exposed foundation/skirting gaps, cracked/uneven walkway, and overgrown vegetation near the rear. Major life-safety failures (collapsed ceilings, active roof failure, standing water or visible electrical hazards) are not evident in the photos. Expect a likely pass with small repairs (skirting, foundation gap sealing, walkway repairs, site drainage and pest mitigation) and confirmation of interior items (smoke/CO detectors, GFCI outlets, functioning hot water and heating).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Exterior photos show a largely intact envelope and a newer-looking metal roof, and the listing states the property was recently updated. Visible issues are limited to cosmetic and minor deferred maintenance: stained siding at the base, exposed foundation/skirting gaps at multiple points, cracked/uneven concrete walkway and driveway, and a damaged front bumper seen in the photo (vehicle). Missing or window HVAC units are present rather than built-in systems. No obvious major interior collapse or fire damage visible from photos. These are mostly small repairs or cosmetic items; missing appliances (interior not pictured) would reduce score only moderately."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE-related)",
"score": 70.0,
"rationale": "Property is occupied by a Section 8 tenant per listing (recent rental event), which implies it passed a subsidy inspection recently. Exterior observations raise moderate NSPIRE concerns: open gaps beneath siding/exposed crawlspace which can allow pest access and moisture; a deteriorated front walkway with a small trip hazard; no visible guardrails/handrails on the short approach (but no tall stairs are evident); exterior light appears functional. No signs of active leaks, roof failure, collapsed ceilings, or obvious exposed electrical hazards are visible. Smoke/CO detectors, GFCI protection, plumbing/hot water, and main electrical panel location are not visible in photos — assumed present because of active Section 8 tenancy but not confirmed."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 65.0,
"rationale": "Roof appears to be a metal roof in good visual condition. HVAC appears to be window units (visible), not central forced-air — these can be acceptable if heating/cooling functions and hot water are operational. No water heater, HVAC equipment, or electrical panel is visible for direct assessment. The home is older (1913) but listing reports recent updates; given active Section 8 tenancy, major systems are likely functional, but lack of visible central heating and unknown water heater/plumbing condition reduce score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "Yard is maintained but there is dense overgrowth/vegetation directly behind the house which could pose drainage, pest, and access concerns. Driveway and walkway have cracking/settlement. Siding and trim are overall intact but bottom skirt/exposed foundation areas and slight soil erosion are visible. Large trees are close to the structure (root/drip risk). No obvious standing water in photos, but drainage control (gutters/downspouts) is not visible and likely limited."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Section 8 Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Exposed foundation / open skirting / crawlspace access (pest/moisture risk)",
"Trip hazard and deterioration at front walkway (safety risk)",
"Dense overgrowth immediately behind the house adjacent to foundation (drainage and pest risk)"
],
"confidence": 0.65,
"assumptions": [
"The property’s active Section 8 tenancy and recent rental event (2024-12-13) indicate it passed a subsidy inspection recently; therefore basic life‑safety items (smoke detectors, functioning heat/hot water, GFCI where required) are present and functional unless otherwise noted.",
"Window AC units may provide cooling and possibly heating; there is no visible central HVAC unit. Heating is assumed adequate for tenant use (but should be confirmed).",
"Interior conditions (flooring, cabinets, appliances, plumbing fixtures) are in at least fair condition consistent with the listing note 'recently updated' but were not visible in the supplied photos.",
"No evidence of active roof leaks or collapsed ceilings from exterior photos; roof is assumed intact and performing.",
"Electrical panel, service, and kitchen/bath GFCI protection are not visible and assumed serviceable due to current tenancy, but this requires verification."
],
"overall_score": 69.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5211 Loop Rd, Birmingham, AL, 35224",
"aggregate": {
"summary": "Overall this property appears moderately turnkey for a Housing Choice Voucher inspection. The metal roof and recent exterior updates are positives and the property benefits from a Section 8 tenant in place. Primary concerns are exposed foundation/skirting gaps, an uneven/missing section of the front walkway (trip hazard), and lack of visible central heating (window AC only). Many NSPIRE-required items (smoke/CO detectors, GFCI, electrical panel, water heater, bedroom egress) are not visible and must be verified. With targeted fixes (repair skirting/foundation gaps, fix walkway, confirm/repair heating and smoke/CO/GFCI compliance) this home is likely to pass an initial HCV inspection within 1–4 weeks; current overall readiness estimated at 70/100.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.7,
"rationale": "Exterior appears recently re-sided and metal roof looks in good condition. Visible deferred items: missing/partial skirting at foundation, staining at siding base, cracked/uneven concrete at driveway and front walkway, and minor exterior trim damage. These are mostly moderate repairs or cosmetic and typically fixable within a short timeline. No interior photos provided; missing interior appliance condition not observed but listing indicates tenant in place and recent updates, so interior likely serviceable. Overall: minor-to-moderate repair needs, not catastrophic."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 63.3,
"rationale": "Yard appears maintained and mown; driveway is serviceable though cracked/uneven. Foundation skirting missing in places and exposed masonry/blocks visible; potential moisture/pest and erosion concerns near foundation. Vegetation and heavy brush line the rear property which could indicate drainage/overgrowth issues and possible pest habitat. No visible standing water in photos. Small front step/walkway area shows missing/loose boards creating a hazard. Overall, site is functional but shows deferred maintenance that should be addressed prior to inspection."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years) - bonus",
"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": 69.3,
"rationale": "No obvious life-threatening hazards visible from exterior photos (no collapsed structure, no obvious roof sag). Concerns: exposed foundation/large gaps under siding that could allow pest entry or present trip hazards, front walkway has a missing/uneven section creating a trip hazard, no visible smoke/CO detectors (interior not shown), and window AC units visible (no exterior evidence of central heating). Entry has a metal security door which likely secures entry. Electrical panel, GFCI locations and bedroom egress windows are not visible in photos and could be an inspection risk if not compliant. Because several NSPIRE-required items cannot be confirmed, risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 64.0,
"rationale": "Roof appears to be metal and in good visual condition from photos. No signs of active roof failure or major water intrusion externally. HVAC: only window AC units visible — no visible central heating or furnace; absence of a visible heating source is a potential NSPIRE issue unless an acceptable heating system exists inside. Electrical and plumbing systems, water heater, and drainage cannot be confirmed from photos. Presence of a tenant and listing claiming recent updates lowers likelihood of major system failure but confirmation is required. Score reflects visual positives (roof) but unknowns for other systems."
}
],
"red_flags": [
"foundation movement/exposed foundation and missing skirting (possible structural/entry point for pests)",
"no visible heating system (only window AC units seen) — potential NSPIRE failure if adequate heat is not present",
"major trip hazard at front walkway / missing/uneven threshold boards"
],
"confidence": 0.8,
"assumptions": [
"Interior condition is assumed serviceable because listing states recent updates and tenant in place; no interior photos were provided.",
"Utilities are active (electric/water) since tenant is in-place and rent reported as collected.",
"Window AC units are used for cooling; a compliant heating system may exist inside but was not visible in photos—if none exists, a heating-related inspection failure is possible.",
"Electrical panel, GFCI protection in kitchen/bath, smoke and CO detectors, and water heater are assumed present but unverified; these must be confirmed prior to inspection.",
"No visible signs of major roof leaks or collapsed ceilings from exterior; interior inspection recommended to confirm."
],
"score_method": "mean_of_criteria",
"overall_score": 68.1,
"rubric_version": "NSPIRE_v1_2026-02-16",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8501372649"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.