Property ID: 8518202275
3620 Arkansas Ave, Kenner, LA, 70065
Kenner, LA
Money Down: $28,776
CoC Return: 23.01%
Monthly Cash Flow: $552
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
23.01%
Rent
$1,608
Monthly Cash Flow
$552
Annual Cash Flow
$6,620
Debt Service / Mo
$638
Property Tax / Mo
$158
Insurance / Mo
$99
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,608
Payment Standard
$1,983
Rent
$1,608
Insurance
$99
Property Tax
$158
Management
$161
Utilities Allowance
$375
NOI (Monthly)
$1,190
Debt Service
$638
Cash Flow After Debt
$552
Quality Score: 68.70%
Confidence: 77.00%
Overall this single-family home appears largely rent-ready with updated kitchen, intact flooring and appliances present. Primary inspection risks are a ceiling stain suggesting past/possible active water intrusion (needs scope and repair), unconfirmed GFCI protection at sink, and no visible carbon monoxide detector. Major systems (electrical panel, water heater, roof condition) were not photographed and should be verified. With a short scope of repairs (ceiling/roof/plumbing verification, minor cosmetic touch-ups, ensure detectors and GFCI) the property likely could pass a Section 8 / HCV initial NSPIRE inspection within 2–6 weeks depending on the leak investigation and any resulting repairs.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$375
Guaranteed Section 8 Rent (PS - Utilities)
$1,608
Property Management
$161
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
1
Living Area
1,269 sqft
Lot Size
—
Year Built
1963
Days on Market
88
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$158
Insurance / Mo
$99
Property Description
This Kenner home provides 3 bedrooms, 2 baths and a spacious living area. The large kitchen features a movable island perfect for additional counter top surface. The currently installed appliances remain with the home. Outside, the back yard is fenced, and the 8' x 14' (+/-) shed has electric power - great for additional storage or working on that next project.
Utility Allowances
air_conditioning
$32
Selected based on the property having 'Central Air' cooling and using the 3-bedroom allowance from the schedule.
cooking
$10
Selected 'electric' as property photos show an electric range. The 3-bedroom allowance is used.
electric_monthly_fee
$26
A standard monthly fee for having electric service, applicable as the property uses electricity. The 3-bedroom allowance is used.
gas_monthly_fee
$28
A standard monthly fee for having gas service. Property details specify 'Gas: Natural' for heating. The 3-bedroom allowance is used.
heating
$24
Selected 'natural_gas' as property details specify 'Heating Features: Central, Gas'. The 3-bedroom allowance is used.
mosquito_monthly_fee
$3
A standard parish-wide fee included in the utility allowance schedule. The 3-bedroom allowance is used.
other_electric
$45
Standard allowance for lights, ceiling fans, and miscellaneous plug-in appliances. The 3-bedroom allowance is used.
range
$0
Allowance is $0 because the property provides a range/oven, as listed in the appliances section.
refrigerator
$0
Allowance is $0 because the property provides a refrigerator, as listed in the appliances section.
sewer
$94
Selected based on property details specifying connection to 'City' and 'Public Sewer'. The 3-bedroom allowance is used.
trash_collection
$23
A standard service for single-family homes in this area. The 3-bedroom allowance is used.
water
$70
Selected based on property details specifying 'Water Source: Public'. The 3-bedroom allowance is used.
water_heating
$20
Selected 'natural_gas' as it is the fuel source for space heating, making it the most likely fuel for water heating as well. The 3-bedroom allowance is used.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,187
DP3 Annual Estimate$1,187
DP1 Monthly Equivalent$99
DP3 Monthly Equivalent$99
Replacement Value$138,800
Basis1,269 sqft / 1963
Nearby Houses
Photo unavailable
3623 California Ave
for_sale · 0.03 mi
Price: $175,000
2 bd / 2 ba · 1,231 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3617 California Ave
sold · 0.03 mi
Price: $185,000
3 bd / 2 ba · 1,100 sqft
Latest sale: — on Nov 19, 2021
Latest rent: $1,750 on Aug 08, 2025
Photo unavailable
3620 Arizona Ave
for_sale · 0.06 mi
Price: $189,900
3 bd / 2 ba · 1,400 sqft
Latest sale: — on Jun 21, 2016
Latest rent: $1,400 on Feb 19, 2013
Photo unavailable
3612 California Ave
for_sale · 0.07 mi
Price: $135,000
3 bd / 1 ba · 1,281 sqft
Latest sale: — on Dec 28, 2015
Latest rent: $139 on Feb 25, 2011
Photo unavailable
3708 Arizona Ave
sold · 0.08 mi
Price: $170,000
3 bd / 1 ba · 1,270 sqft
Latest sale: — on Jan 03, 2022
Latest rent: —
Photo unavailable
3617 Colorado Ave
for_sale · 0.09 mi
Price: $204,000
3 bd / 1 ba · 1,250 sqft
Latest sale: — on Aug 31, 2023
Latest rent: $1,725 on Apr 18, 2025
Risk and Criteria Detail
Red Flags
- success
- Ceiling stain in main living area indicating past or active water intrusion / possible roof or plumbing leak (photo 9) — requires prompt investigation and repair.
- No visible carbon monoxide detector in photos — may fail inspection if required and not installed.
- GFCI protection at kitchen sink/outlet not clearly confirmed in photos — may require replacement/installation.
- Electrical panel and water heater not shown — condition and safety unknown and should be verified during inspection.
Assumptions
- Photos are representative of the entire unit interior and no other unseen severe defects exist.
- Appliances shown (range, refrigerator, dishwasher, microwave) remain with the home and are operational or serviceable.
- Central HVAC is present and operable (vent registers and thermostat visible) though no service records were provided.
- There is at least one functioning bathroom with hot water despite snapshot/listing inconsistency (snapshot lists 1 bath, listing text claims 2 baths).
- Shed has electrical power as stated in the listing, though shed was not photographed.
- Smoke detector shown is functional; no other detectors (CO) are visible and must be installed if required by local code.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,846 | $173,800 | $17,380 |
| 2024 | $1,853 | $173,800 | $17,380 |
| 2023 | $1,724 | $173,800 | $17,380 |
| 2022 | $1,303 | $133,800 | $13,380 |
| 2021 | $1,202 | $133,800 | $13,380 |
| 2020 | $1,190 | $133,800 | $13,380 |
| 2019 | $1,215 | $133,800 | $13,380 |
| 2018 | $1,107 | $133,800 | $13,380 |
| 2017 | $1,107 | $133,800 | $13,380 |
| 2016 | $1,107 | $133,800 | $13,380 |
| 2015 | $1,114 | $132,500 | $13,250 |
| 2014 | $1,110 | $132,500 | $13,250 |
| 2013 | $1,110 | $132,500 | $13,250 |
| 2012 | $481 | $132,500 | $13,250 |
| 2011 | $1,128 | $132,500 | $13,250 |
| 2010 | $957 | $148,500 | $14,850 |
| 2009 | $1,226 | $148,500 | $14,850 |
| 2008 | $941 | — | $14,850 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-06-21 | Sold | — |
| 2011-01-25 | Sold | — |
| 2010-08-20 | Sold | — |
| 2006-12-01 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2022-09-08 | Listed for rent | $1,695 | — |
Photo Gallery
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"last_update_date": "2010-06-08T22:18:00Z",
"last_status_change_date": "2010-05-05T11:02:00Z"
},
"event_name": "Listed",
"price_sqft": 128.57142857142858,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "809445",
"price_change_percentage": null
},
{
"date": "2006-12-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2003-12-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8518202275",
"generated_at": "2026-02-16T21:38:36.123399Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.7
},
"utility_allowance": {
"zip_code": "70065",
"home_photo": "https://ap.rdcpix.com/5c5f6ba42658dc76205e4c43eb9bce32l-m2648461129s-w1280.jpg",
"rent_price": 1608.0,
"loan_amount": 95920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3620-Arkansas-Ave_Kenner_LA_70065_M85182-02275",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 119900.0,
"loan_term_years": 30,
"annual_cash_flow": 14278.02,
"mortgage_monthly": 638.16,
"payment_standard": 1983.0,
"total_amount_out": 23980.0,
"additional_photos": [
"https://ap.rdcpix.com/5c5f6ba42658dc76205e4c43eb9bce32l-m3798331016s-w1280.jpg",
"https://ap.rdcpix.com/5c5f6ba42658dc76205e4c43eb9bce32l-m1125759424s-w1280.jpg",
"https://ap.rdcpix.com/5c5f6ba42658dc76205e4c43eb9bce32l-m1183082209s-w1280.jpg",
"https://ap.rdcpix.com/5c5f6ba42658dc76205e4c43eb9bce32l-m1388295243s-w1280.jpg",
"https://ap.rdcpix.com/5c5f6ba42658dc76205e4c43eb9bce32l-m3037645342s-w1280.jpg",
"https://ap.rdcpix.com/5c5f6ba42658dc76205e4c43eb9bce32l-m2967706292s-w1280.jpg",
"https://ap.rdcpix.com/5c5f6ba42658dc76205e4c43eb9bce32l-m553379623s-w1280.jpg",
"https://ap.rdcpix.com/5c5f6ba42658dc76205e4c43eb9bce32l-m254723526s-w1280.jpg",
"https://ap.rdcpix.com/5c5f6ba42658dc76205e4c43eb9bce32l-m2097418250s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 98.92,
"monthly_cash_flow": 1189.84,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [
"file:///Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/LA270/sources/utility/wp-content_uploads_2026_01_UTILITYALLOW.SINGLE.FAMILY.2026.raster.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected based on the property having 'Central Air' cooling and using the 3-bedroom allowance from the schedule.",
"utility": "air_conditioning",
"allowance": 32
},
{
"note": "Selected 'electric' as property photos show an electric range. The 3-bedroom allowance is used.",
"utility": "cooking",
"allowance": 10
},
{
"note": "A standard monthly fee for having electric service, applicable as the property uses electricity. The 3-bedroom allowance is used.",
"utility": "electric_monthly_fee",
"allowance": 26
},
{
"note": "A standard monthly fee for having gas service. Property details specify 'Gas: Natural' for heating. The 3-bedroom allowance is used.",
"utility": "gas_monthly_fee",
"allowance": 28
},
{
"note": "Selected 'natural_gas' as property details specify 'Heating Features: Central, Gas'. The 3-bedroom allowance is used.",
"utility": "heating",
"allowance": 24
},
{
"note": "A standard parish-wide fee included in the utility allowance schedule. The 3-bedroom allowance is used.",
"utility": "mosquito_monthly_fee",
"allowance": 3
},
{
"note": "Standard allowance for lights, ceiling fans, and miscellaneous plug-in appliances. The 3-bedroom allowance is used.",
"utility": "other_electric",
"allowance": 45
},
{
"note": "Allowance is $0 because the property provides a range/oven, as listed in the appliances section.",
"utility": "range",
"allowance": 0
},
{
"note": "Allowance is $0 because the property provides a refrigerator, as listed in the appliances section.",
"utility": "refrigerator",
"allowance": 0
},
{
"note": "Selected based on property details specifying connection to 'City' and 'Public Sewer'. The 3-bedroom allowance is used.",
"utility": "sewer",
"allowance": 94
},
{
"note": "A standard service for single-family homes in this area. The 3-bedroom allowance is used.",
"utility": "trash_collection",
"allowance": 23
},
{
"note": "Selected based on property details specifying 'Water Source: Public'. The 3-bedroom allowance is used.",
"utility": "water",
"allowance": 70
},
{
"note": "Selected 'natural_gas' as it is the fuel source for space heating, making it the most likely fuel for water heating as well. The 3-bedroom allowance is used.",
"utility": "water_heating",
"allowance": 20
}
],
"cash_on_cash_return": 0.6,
"down_payment_amount": 23980.0,
"property_tax_annual": 1901.38,
"property_tax_monthly": 158.45,
"property_tax_increase": 0.03,
"utility_allowance_total": 375.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 6620.12,
"property_management_monthly": 160.8,
"monthly_cash_flow_after_debt": 551.68,
"cash_on_cash_return_after_debt": 0.28
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single-family home appears largely rent-ready with updated kitchen, intact flooring and appliances present. Primary inspection risks are a ceiling stain suggesting past/possible active water intrusion (needs scope and repair), unconfirmed GFCI protection at sink, and no visible carbon monoxide detector. Major systems (electrical panel, water heater, roof condition) were not photographed and should be verified. With a short scope of repairs (ceiling/roof/plumbing verification, minor cosmetic touch-ups, ensure detectors and GFCI) the property likely could pass a Section 8 / HCV initial NSPIRE inspection within 2–6 weeks depending on the leak investigation and any resulting repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and kitchen appear recently updated with laminate flooring, intact cabinets, granite-style counters, and functioning appliances present in photos. Minor cosmetic wear visible (scuffed baseboards, wall marks, island finish wear). One ceiling shows discoloration/staining (photo 9) indicating a prior or current leak that will require investigation and likely localized repair. Appliances present reduce penalty for missing equipment. Overall appears mostly cosmetic with a small repair scope."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "Visible smoke detector in bedroom. Entry door has a deadbolt in exterior photo. No exposed wiring or visible loose guardrails. Bedroom windows appear to provide egress. However ceiling stain suggests possible water intrusion which is a safety/health concern until verified dry and repaired. Carbon monoxide detector not visible in photos (required in many jurisdictions for gas appliances) and GFCI protection at sink is not clearly confirmed (outlet shown may not be GFCI). Electrical panel not pictured. Because of the ceiling stain and missing/uncertain CO/GFCI evidence there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 60.0,
"rationale": "HVAC supply vents and thermostat are visible indicating a central HVAC system likely present. Kitchen appliances are present and appear in good cosmetic condition. However major systems (electrical panel, water heater, roof condition, age/state of HVAC and hot water heater) are not pictured or documented; the ceiling stain raises concern about roof or plumbing leaks. Without system service records or visible equipment there is moderate uncertainty and potential for required repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior brick/siding and roofline appear intact with a maintained lawn and concrete walk/driveway. Front entry stoop and sidewalk are serviceable. Some vegetation near the left eave could indicate minor maintenance needs. Listing notes a fenced backyard and an electrically powered shed (not photographed) which is a positive. No obvious foundation movement, standing water, or severe exterior distress visible in available photos."
},
{
"key": "rental_history_activity",
"label": "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": [
"Ceiling stain in main living area indicating past or active water intrusion / possible roof or plumbing leak (photo 9) — requires prompt investigation and repair.",
"No visible carbon monoxide detector in photos — may fail inspection if required and not installed.",
"GFCI protection at kitchen sink/outlet not clearly confirmed in photos — may require replacement/installation.",
"Electrical panel and water heater not shown — condition and safety unknown and should be verified during inspection."
],
"confidence": 0.65,
"assumptions": [
"Photos are representative of the entire unit interior and no other unseen severe defects exist.",
"Appliances shown (range, refrigerator, dishwasher, microwave) remain with the home and are operational or serviceable.",
"Central HVAC is present and operable (vent registers and thermostat visible) though no service records were provided.",
"There is at least one functioning bathroom with hot water despite snapshot/listing inconsistency (snapshot lists 1 bath, listing text claims 2 baths).",
"Shed has electrical power as stated in the listing, though shed was not photographed.",
"Smoke detector shown is functional; no other detectors (CO) are visible and must be installed if required by local code."
],
"overall_score": 69.0,
"rubric_version": "nsPIRE_v1_photo_assessment_2026-02"
},
{
"summary": "This house appears generally well maintained with functioning kitchen appliances, central HVAC, and intact exterior — likely a minor-repairs property for Section 8. The primary inspection risks are a prominent ceiling/water stain that needs immediate investigation and repair (possible roof or plumbing leak) and unverified smoke/CO/GFCI installation/interconnection. If the leak is repaired, smoke detectors are installed/interconnected per NSPIRE, and any missing GFCI outlets added, the unit should be able to pass an initial HCV inspection within ~2–4 weeks. Current overall readiness: moderate (minor repairs and verifications needed).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 70.0,
"rationale": "Interior finishes are generally intact: laminate floors, painted walls, cabinets and countertops in good condition, and all major kitchen appliances visible and present. Minor cosmetic wear (scuffs, stains on floors/walls). Movable island is cosmetic. The main negative observed is a large ceiling stain in one room consistent with prior or active water intrusion which will require investigation and repair (ceiling patch/paint and underlying leak repair if active). Overall these are moderate, mostly repairable items rather than full rehabilitation."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 58.0,
"rationale": "Positive: at least one smoke detector visible in a bedroom and entry door appears secure. No exposed wiring or obvious electrical hazards visible. Concerns: large ceiling water stain indicates possible active leak — potential for hidden damage, mold, or compromised ceiling structure (NSPIRE red flag if active). No evidence of interconnected smoke alarms on photos; placement of detectors on all levels and in sleeping rooms cannot be confirmed. GFCI protection at kitchen sink outlets is not clearly visible on the photos. Deadbolt presence cannot be confirmed. Egress windows appear present in bedrooms but not measured. These unknowns lower the safety/code score until verified and small items (additional detectors, GFCI outlets) are installed or proven compliant."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 60.0,
"rationale": "Central HVAC supplies/registers and a thermostat are visible, suggesting an installed system. Kitchen appliances (range, microwave, dishwasher, refrigerator) are present. No water heater, electrical panel or plumbing main seen in photos. The ceiling stain implies a roof or plumbing leak which could affect roof integrity, ceiling structure, insulation, and possibly the HVAC or attic spaces. Because major systems are present but not fully verifiable from photos and because of the water-stain risk, score is moderate pending inspection of roof, water heater, plumbing and electrical panel."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 78.0,
"rationale": "Exterior brick/siding and front porch look serviceable; concrete walkway and driveway are intact. Yard is maintained and listing notes a fenced backyard and a powered shed (good tenant amenities). Minor vegetation near gutters/roof edge on the left side is visible and could contribute to drainage/clogging issues if not cleared. No visible foundation cracking, major settling, standing water, or collapsed exterior elements in photos."
},
{
"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": [
"Large ceiling stain in living area consistent with prior or active water intrusion (possible roof or plumbing leak).",
"Potential missing or non-interconnected smoke alarms (only one detector visible).",
"No clearly visible GFCI receptacle at kitchen sink area (kitchen outlet type not confirmed).",
"Vegetation in/near gutter edge on left roof line that could cause drainage problems if not cleared."
],
"confidence": 0.7,
"assumptions": [
"Listing text that mentions 2 baths conflicts with snapshot showing 1 bath; assume at least one functioning bathroom will be present and serviceable.",
"Smoke detectors: one visible in bedroom; assume others may be missing or not interconnected — interconnection not confirmed.",
"GFCI protection at kitchen counters is not clearly visible; assume GFCI may not be present and should be verified/installed if absent.",
"Water heater, electrical panel and plumbing risers are present and functioning but not visible in photos; assumed operational unless inspection reveals otherwise.",
"Entry door likely has a keyed lock and may have a deadbolt, but deadbolt presence is not clearly visible and should be confirmed/installed if missing.",
"Bedrooms appear to have operable egress windows though window sizes and clearances were not measured in photos.",
"Vegetation in gutters near the left roof edge could be contributing to the ceiling stain; assume roof/gutter maintenance may be required."
],
"overall_score": 66.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "Overall this 3-bed single-family house appears largely rent-ready with cosmetic wear and functioning kitchen appliances. Primary concerns for an initial Section 8 (NSPIRE) inspection are a visible ceiling water stain (possible active or recent leak requiring investigation/repair), lack of visible CO detector and unverified GFCI protection in kitchen, and unknown conditions/ages of the electrical panel, water heater and roof. With targeted trades work to verify/repair the source of the ceiling stain, confirm/repair GFCI/CO devices, and confirm major system (water heater/HVAC/electrical) operation, this property is likely to pass with minor repairs within 2–4 weeks. Rental history within last 5 years is present which supports readiness.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show generally serviceable finishes: laminate flooring throughout, intact cabinetry, solid countertops, and functioning major appliances present (range, microwave, dishwasher, refrigerator). Cosmetic wear is visible (scuffs, floor stain, wall marks). One ceiling shows a large water stain/patch area that indicates past or recent water intrusion needing repair. No collapsed ceilings, missing doors, or exposed subfloor observed. Missing minor items (outlet covers, touch-up paint) are likely easy fixes."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 68.0,
"rationale": "Visible positive: at least one smoke detector is present in a bedroom, entry door has a deadbolt, windows in bedrooms appear to provide egress, no exposed wiring is visible in photos, and outlets/covers are present. Concerns: the ceiling water stain could indicate active leak (mold/moisture risk) and there is no visible carbon monoxide alarm (condition unknown). GFCI outlet presence at kitchen counters is uncertain from photos. Electrical panel not shown. Working plumbing and hot water were not verifiable in photos but appliances are installed. These uncertainties and the water-stain risk reduce the safety/code score."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Central HVAC registers are visible in multiple rooms indicating a forced-air system (presence is positive), and kitchen appliances and built-in microwave suggest recent updates. However the photos do not show the water heater, HVAC equipment, or electrical panel; condition and ages of these systems are unknown. The visible ceiling stain suggests prior roof or plumbing leak that could have affected framing, insulation, or HVAC/plumbing components. Roof appears intact from the front but full roof condition is unverified. Due to unknown age/condition of critical systems and signs of water intrusion, this category is rated moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior brick front and siding appear intact with a functional front walkway and small covered entry. Driveway and lawn show normal wear for age. Listing states the backyard is fenced and a powered shed exists (not pictured) which is positive for rental use. No visible foundation cracking, major grading problems, standing water, or severe exterior deterioration visible in provided 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": [
"Evidence of past/possible active roof or plumbing leak (large ceiling stain) — requires immediate investigation and repair prior to inspection.",
"No electrical panel or service condition shown (electrical condition unverified) — unknown electrical hazards.",
"No carbon monoxide detector visible in photographs and GFCI protection at kitchen counters uncertain — potential NSPIRE citation items."
],
"confidence": 0.7,
"assumptions": [
"Listing text is correct that kitchen appliances remain with the home (range, microwave, dishwasher, refrigerator) and they are operational or repairable.",
"The stain on the interior ceiling represents prior or localized water intrusion (roof or plumbing); no collapse observed but source requires investigation.",
"Central HVAC exists and is functional based on visible ceiling registers; final operating condition unknown because HVAC equipment not photographed.",
"Hot water and water heater are present and operational though not shown in photos.",
"Backyard is fenced and shed has power as stated in listing (not pictured).",
"No evidence of active pest infestation, severe mold, or major foundation movement in provided photos; if present, these would lower scores significantly.",
"Electrical panel and main service are present but not pictured; condition unknown."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3620 Arkansas Ave, Kenner, LA, 70065",
"aggregate": {
"summary": "Overall this single-family home appears largely rent-ready with updated kitchen, intact flooring and appliances present. Primary inspection risks are a ceiling stain suggesting past/possible active water intrusion (needs scope and repair), unconfirmed GFCI protection at sink, and no visible carbon monoxide detector. Major systems (electrical panel, water heater, roof condition) were not photographed and should be verified. With a short scope of repairs (ceiling/roof/plumbing verification, minor cosmetic touch-ups, ensure detectors and GFCI) the property likely could pass a Section 8 / HCV initial NSPIRE inspection within 2–6 weeks depending on the leak investigation and any resulting repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Interior and kitchen appear recently updated with laminate flooring, intact cabinets, granite-style counters, and functioning appliances present in photos. Minor cosmetic wear visible (scuffed baseboards, wall marks, island finish wear). One ceiling shows discoloration/staining (photo 9) indicating a prior or current leak that will require investigation and likely localized repair. Appliances present reduce penalty for missing equipment. Overall appears mostly cosmetic with a small repair scope."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 77.7,
"rationale": "Exterior brick/siding and roofline appear intact with a maintained lawn and concrete walk/driveway. Front entry stoop and sidewalk are serviceable. Some vegetation near the left eave could indicate minor maintenance needs. Listing notes a fenced backyard and an electrically powered shed (not photographed) which is a positive. No obvious foundation movement, standing water, or severe exterior distress visible in available photos."
},
{
"key": "rental_history_activity",
"label": "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 Risks (NSPIRE)",
"score": 63.7,
"rationale": "Visible smoke detector in bedroom. Entry door has a deadbolt in exterior photo. No exposed wiring or visible loose guardrails. Bedroom windows appear to provide egress. However ceiling stain suggests possible water intrusion which is a safety/health concern until verified dry and repaired. Carbon monoxide detector not visible in photos (required in many jurisdictions for gas appliances) and GFCI protection at sink is not clearly confirmed (outlet shown may not be GFCI). Electrical panel not pictured. Because of the ceiling stain and missing/uncertain CO/GFCI evidence there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 61.7,
"rationale": "HVAC supply vents and thermostat are visible indicating a central HVAC system likely present. Kitchen appliances are present and appear in good cosmetic condition. However major systems (electrical panel, water heater, roof condition, age/state of HVAC and hot water heater) are not pictured or documented; the ceiling stain raises concern about roof or plumbing leaks. Without system service records or visible equipment there is moderate uncertainty and potential for required repairs."
}
],
"red_flags": [
"Ceiling stain in main living area indicating past or active water intrusion / possible roof or plumbing leak (photo 9) — requires prompt investigation and repair.",
"No visible carbon monoxide detector in photos — may fail inspection if required and not installed.",
"GFCI protection at kitchen sink/outlet not clearly confirmed in photos — may require replacement/installation.",
"Electrical panel and water heater not shown — condition and safety unknown and should be verified during inspection."
],
"confidence": 0.77,
"assumptions": [
"Photos are representative of the entire unit interior and no other unseen severe defects exist.",
"Appliances shown (range, refrigerator, dishwasher, microwave) remain with the home and are operational or serviceable.",
"Central HVAC is present and operable (vent registers and thermostat visible) though no service records were provided.",
"There is at least one functioning bathroom with hot water despite snapshot/listing inconsistency (snapshot lists 1 bath, listing text claims 2 baths).",
"Shed has electrical power as stated in the listing, though shed was not photographed.",
"Smoke detector shown is functional; no other detectors (CO) are visible and must be installed if required by local code."
],
"score_method": "mean_of_criteria",
"overall_score": 68.7,
"rubric_version": "nsPIRE_v1_photo_assessment_2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8518202275"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.