Property ID: 8537213591
425 87th St, Birmingham, AL, 35206
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$3,600
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$90,000
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 70.00%
Confidence: 81.00%
Overall the property appears lease-ready with mostly cosmetic and small-scope repairs required. Interior shows recent renovation and appliances present, which is positive for Section 8 inspections. Primary issues to address before inspection: verify and install smoke and CO detectors as required, confirm GFCI protection in kitchen/bath, trim/clear overgrown shrubs obstructing porch and windows, repair/patch the cracked porch slab and spalled step edges to remove trip hazards, and verify operation/age of HVAC, water heater and electrical panel. With those items completed (mostly quick fixes and small capital repairs), this home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$90,000
Beds
2
Baths
1
Living Area
890 sqft
Lot Size
8,276 sqft
Year Built
1948
Days on Market
48
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Absolutely adorable and bursting with charm! This home has been thoughtfully reimagined from top to bottom. Step inside and fall in love with the bright layout filled with natural light. Very minimal maintenance, giving you peace of mind for years to come. The kitchen sparkles with modern finishes, while each room shows off creative touches that make this home truly one of a kind. Outside, relax or entertain on your spacious deck overlooking the serene Roebuck Springs. The backyard is private, peaceful, and perfect for gatherings. Nestled on a quiet street yet just minutes to shops, dining, and interstates, you'll enjoy convenience without sacrificing charm. Move your things in, sit back, and start enjoying the lifestyle you've been waiting for!
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$696
DP3 Annual Estimate$997
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$83
Replacement Value$83,500
Basis890 sqft / 1948
Nearby Houses
Photo unavailable
413 87th St S
sold · 0.03 mi
Price: $86,700
3 bd / 2 ba
Latest sale: $86,700 on Sep 12, 2023
Latest rent: $1,095 on Mar 15, 2025
Photo unavailable
428 87th St S
sold · 0.04 mi
Price: $210,000
3 bd / 2 ba · 1,516 sqft
Latest sale: $210,000 on Feb 24, 2023
Latest rent: —
Photo unavailable
458 Exeter Dr
sold · 0.05 mi
Price: $159,900
3 bd / 2 ba · 1,027 sqft
Latest sale: $159,900 on Sep 29, 2022
Latest rent: —
Photo unavailable
404 87th St S
sold · 0.07 mi
Price: $61,000
3 bd / 1 ba · 924 sqft
Latest sale: $61,000 on Nov 23, 2021
Latest rent: $1,025 on Dec 18, 2024
Photo unavailable
425 86th Pl S
sold · 0.07 mi
Price: $155,000
3 bd / 2 ba · 1,295 sqft
Latest sale: $155,000 on Mar 28, 2022
Latest rent: —
Photo unavailable
429 86th Pl S
for_sale · 0.07 mi
Price: $60,000
2 bd / 1 ba · 936 sqft
Latest sale: $25,150 on May 19, 2020
Latest rent: —
Photo unavailable
444 87th St S
sold · 0.07 mi
Price: $120,000
3 bd / 1 ba · 1,000 sqft
Latest sale: $120,000 on Apr 15, 2024
Latest rent: $1,200 on Jan 13, 2024
Photo unavailable
441 86th Pl S
for_sale · 0.08 mi
Price: $109,900
3 bd / 1 ba · 1,077 sqft
Latest sale: $23,400 on Apr 23, 2013
Latest rent: $995 on Jul 31, 2024
Photo unavailable
448 S 87th St
sold · 0.08 mi
Price: $115,000
3 bd / 1 ba · 960 sqft
Latest sale: $115,000 on Oct 18, 2024
Latest rent: $750 on Sep 09, 2019
Photo unavailable
326 Red Oak Rd
sold · 0.09 mi
Price: $25,000
3 bd / 1 ba · 1,338 sqft
Latest sale: $25,000 on Jun 07, 2022
Latest rent: $1,375 on Jun 28, 2023
Photo unavailable
445 86th Pl S
sold · 0.09 mi
Price: $105,000
3 bd / 1 ba · 1,170 sqft
Latest sale: $105,000 on May 10, 2024
Latest rent: —
Photo unavailable
449 86th Pl S
sold · 0.10 mi
Price: $15,000
3 bd / 1 ba · 1,065 sqft
Latest sale: $15,000 on Jun 25, 2018
Latest rent: —
Photo unavailable
424 86th Pl S
sold · 0.10 mi
Price: $63,000
2 bd / 1 ba · 840 sqft
Latest sale: $63,000 on Feb 14, 2024
Latest rent: —
Photo unavailable
321 Red Oak Rd
sold · 0.10 mi
Price: $330,000
4 bd / 3 ba · 4,109 sqft
Latest sale: $330,000 on Nov 05, 2021
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
Assumptions
- Central HVAC is present and operational (inferred from floor vents and visible thermostat); exact age/condition not verified.
- Kitchen appliances shown in photos (range, microwave, refrigerator) are functional; seller will supply them at time of rental.
- No smoke detectors or CO alarms were visible in photos; assume detectors may be missing or not shown and need verification/installation.
- Electrical panel, water heater and GFCI outlets are present but not pictured; their condition/placement is unknown and assumed serviceable until proven otherwise.
- Bedrooms have egress windows of adequate size based on typical layout and photo perspectives, but measurements must be confirmed during inspection.
- Roof is aged but shows no visible active leaks or sagging in provided exterior photos; only surface wear is assumed.
- Overgrown shrubs currently partially block the porch/walkway but are not causing visible structural damage.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,370 | $96,900 | $19,380 |
| 2023 | $1,283 | $88,500 | $17,700 |
| 2022 | $1,502 | $104,900 | $20,980 |
| 2021 | $400 | $65,200 | $6,520 |
| 2020 | $376 | $61,800 | $6,180 |
| 2019 | $376 | $61,800 | $6,180 |
| 2018 | $290 | $50,000 | $5,000 |
| 2017 | $290 | $50,000 | $5,000 |
| 2016 | $290 | $50,000 | $5,000 |
| 2015 | $290 | $50,000 | $5,000 |
| 2013 | $259 | $47,000 | $4,700 |
| 2012 | $295 | $52,060 | $5,206 |
| 2011 | $360 | $61,400 | $6,140 |
| 2010 | $360 | $61,400 | $6,140 |
| 2009 | $868 | $61,400 | $12,280 |
| 2008 | $887 | $62,800 | $12,560 |
| 2007 | $746 | $52,600 | $10,520 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-03-18 | Sold | $354,000 |
| 2009-02-09 | Sold | $81,000 |
| 2007-07-19 | Sold | $20,500 |
| 2001-09-07 | Sold | $25,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-03-02 | Listed for rent | $1,050 | — |
| 2022-01-05 | Listed for rent | $950 | — |
Photo Gallery
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},
{
"project_name": null,
"permit_status": "Canceled",
"permit_type_of_work": "Mechanical permit",
"permit_effective_date": "Oct 19, 2007",
"permit_project_type_1": "Hvac",
"permit_project_type_2": "Mechanical work",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Oct 19, 2007",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Oct 3, 2007",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Canceled",
"permit_type_of_work": "plumbing permit",
"permit_effective_date": "Oct 2, 2007",
"permit_project_type_1": "Home addition",
"permit_project_type_2": "Plumbing",
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8537213591",
"generated_at": "2026-02-16T02:22:03.927040Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 70.0
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears lease-ready with mostly cosmetic and small-scope repairs required. Interior shows recent renovation and appliances present, which is positive for Section 8 inspections. Primary issues to address before inspection: verify and install smoke and CO detectors as required, confirm GFCI protection in kitchen/bath, trim/clear overgrown shrubs obstructing porch and windows, repair/patch the cracked porch slab and spalled step edges to remove trip hazards, and verify operation/age of HVAC, water heater and electrical panel. With those items completed (mostly quick fixes and small capital repairs), this home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Interior appears recently renovated: new-looking LVP flooring, fresh paint, functioning kitchen appliances visible (range, microwave, refrigerator). No major interior cosmetic damage seen. Exterior shows peeling paint on shutters, overgrown shrubs obstructing front porch and some windows, cracked driveway and a large crack in the porch slab that is a trip hazard. Missing/partial porch screens and some exposed screening framing. These are primarily moderate, cosmetic or localized repairs that can be addressed quickly."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "No obvious life-threatening hazards in photos: stairs have a handrail, porch has a guardrail, no exposed electrical wiring visible, interior outlets and thermostat present. Deadbolt/secondary lock appears present at the entry. However smoke detectors and carbon monoxide alarms are not visible in photos (ADT sticker indicates an alarm system but does not confirm detectors), GFCI protection in kitchen/bath not confirmed, and the cracked porch slab is a trip hazard. Bedroom egress windows appear to be standard size but full compliance cannot be confirmed from photos. Overall moderate risk that can be resolved with installation/verification of detectors and GFCI outlets and by repairing/trimming exterior trip/egress obstructions."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Interior shows floor vents and a thermostat, suggesting central HVAC is present; no HVAC unit, water heater, or electrical panel are shown. Roof shingles appear aged but show no visible sagging or active leaks in photos. Given the recent interior updates and rental activity, systems are likely functional but not verified; unknowns (age/condition of HVAC, water heater, electrical panel, plumbing hot water) reduce the score. No visible signs of severe system failure."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 72.0,
"rationale": "Siding and foundation blocks appear intact with crawlspace vents visible. Mature trees/shrubbery provide privacy but are overgrown and currently obstruct access/line-of-sight to the porch and some windows (could affect egress and pest risk). Driveway and walk have cracking and vegetation intrusion. Porch concrete has a long crack that is a trip hazard; some porch screen framing missing. No visible standing water, major foundation cracks, or roof collapse observed from exterior photos."
},
{
"key": "rental_history_activity",
"label": "Rental history 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": [],
"confidence": 0.75,
"assumptions": [
"Central HVAC is present and operational (inferred from floor vents and visible thermostat); exact age/condition not verified.",
"Kitchen appliances shown in photos (range, microwave, refrigerator) are functional; seller will supply them at time of rental.",
"No smoke detectors or CO alarms were visible in photos; assume detectors may be missing or not shown and need verification/installation.",
"Electrical panel, water heater and GFCI outlets are present but not pictured; their condition/placement is unknown and assumed serviceable until proven otherwise.",
"Bedrooms have egress windows of adequate size based on typical layout and photo perspectives, but measurements must be confirmed during inspection.",
"Roof is aged but shows no visible active leaks or sagging in provided exterior photos; only surface wear is assumed.",
"Overgrown shrubs currently partially block the porch/walkway but are not causing visible structural damage."
],
"overall_score": 75.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears mostly renovated inside and would likely pass many Section 8 inspection items after a short pre-inspection punch list. Primary issues to address before an initial HCV inspection: correct exposed wiring at the porch ceiling, repair/level the porch floor crack, finish/repair porch screening and framing, trim or remove overgrown shrubs blocking egress and windows, install/verify required smoke and CO detectors, and patch uneven walkway/driveway trip hazards. Major systems appear present (HVAC, kitchen appliances) but electrical panel, water heater, and GFCI protection should be verified onsite. With these safety fixes and a brief systems verification, the home should be rent-ready within ~2-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic renovations (fresh paint, new vinyl plank floors, functional kitchen appliances visible). Exterior has deferred maintenance: large overgrown shrubs blocking front, peeling paint on shutters, cracked driveway/walkway, and a significant crack in the screened porch floor. Missing/partially finished porch screening and exposed wood framing need repair. Missing minor items (outlet covers, small trim touch-ups) likely present. Missing appliances are not an issue here because stove and refrigerator are visible."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 55.0,
"rationale": "There are several inspection-level safety concerns visible: exposed wiring/hole in porch ceiling (potential electrical hazard), large porch floor crack (trip hazard/possible structural concern), and heavy landscaping obstructing egress and windows. A functioning deadbolt appears present on the front door. Smoke and CO detectors are not visible in the photos (NSPIRE requires working smoke detectors in sleeping areas and outside sleeping areas). GFCI presence in kitchen/bath cannot be confirmed from photos. No obvious active roof leaks, severe foundation movement, collapsed ceilings, or standing water are visible. Because of the visible exposed wiring and egress obstructions this is a moderate inspection risk until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 70.0,
"rationale": "A thermostat and floor vents are visible indicating central HVAC likely present; kitchen shows a working stove/oven, microwave, and refrigerator. Roof appears aged but no visible sagging or active leak stains in interior photos. Electrical panel and water heater are not shown so condition is unknown. Given visible thermostat and modern appliances, major systems are probably functional but require verification (panel, GFCI, water heater, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "Block foundation and siding appear intact with no obvious major cracks or foundation tilt. Landscaping is overgrown and obscures the front porch and windows which is both an aesthetic and egress issue. Driveway and front walkway show cracking and uneven surfaces (trip hazards). Screened porch has missing/unfinished screening and exposed framing. No visible standing water or infestation evidence in images."
},
{
"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 wiring/hole in porch ceiling (potential electrical hazard).",
"Large crack in screened porch floor (trip hazard / potential structural concern).",
"Significant overgrown landscaping blocking windows and porch egress.",
"No visible smoke detectors or CO alarms in interior photos (NSPIRE requirement).",
"Cracked/uneven driveway and front walkway (trip hazards)."
],
"confidence": 0.7,
"assumptions": [
"Interior renovations shown reflect current condition throughout the unit (bathroom and bedrooms not shown are in similar renovated condition).",
"Central HVAC is present and functional (thermostat and vents visible), but full operation not confirmed.",
"Water heater and electrical panel exist and are operational though not visible in photos.",
"Smoke detectors and carbon monoxide detectors are not visible in photos and should be assumed absent or need verification/relocation to meet NSPIRE requirements.",
"Kitchen stove, microwave, and refrigerator shown are included and operational.",
"No active roof leaks or major unseen structural movement exist beyond what is visible externally (roof appears aged but not failed).",
"Porch floor crack is visible and significant; structural condition beneath porch is unknown and assumed repairable unless inspection finds substructure rot."
],
"overall_score": 66.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Overall the property appears to be in good, mostly renovated condition and would likely pass a Housing Choice Voucher (NSPIRE) initial inspection after a short punch list. The interior shows recent updates and functioning kitchen appliances. Main inspection risks are: lack of visible smoke/CO detectors, porch slab cracking (trip hazard), exposed porch framing/unfinished screening, overgrown landscaping blocking egress, and a few exterior cosmetic issues (shutters, paint). Major systems (HVAC, roof, electrical panel, water heater) are not fully verifiable from photos but show no obvious catastrophic failures. Expect a pass after addressing smoke/CO detectors, repairing/finishing the screened porch (secure screens/fixture wiring), repairing or clearly flagging the porch slab / trip hazard, trimming/removing shrubs blocking paths/windows, and confirming HVAC/plumbing/electrical are operational.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently renovated: new vinyl plank flooring, fresh paint, kitchen appliances present (stove, microwave, refrigerator visible). Visible exterior deferred items are moderate: peeling paint on shutters, overgrown shrubs blocking walkway/porch and partially covering windows, cracked/deteriorated driveway, and a large crack in the front porch slab. Screens/porch framing need finishing/repair. Missing minor trim paint and cosmetic fixes likely. These are mostly cosmetic/capital repairs and should be straightforward."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "No life‑threatening hazards visible (no sagging roof, collapsed ceilings, standing water or major foundation failure). Entry door appears to have a deadbolt. Interior outlet covers are present. Concerns: no visible smoke/CO detectors in photographed rooms (required), porch has exposed framing and an opening near a light fixture (potential electrical/fixture issue), front porch slab crack is a trip hazard, overgrown shrubs partially block egress path and may obscure windows. Bedroom egress windows appear present but sizes cannot be fully confirmed from photos. Given age (1948) exterior paint could be lead-risk if peeling. These items present moderate NSPIRE risk but are repairable prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Photos show a thermostat on the wall (indicating HVAC present) and a renovated kitchen with electric appliances, suggesting electrical service to the home. Roof shingles look aged but intact with no visible active leaks or large damaged areas. Foundation vents are present and block masonry appears intact. Water heater, electrical panel, and exterior HVAC unit are not shown so their condition is unverified. Given the recent interior work and active rental history, systems are likely operational but need verification (service records or onsite testing)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Exterior siding and trim are generally intact. Significant overgrown shrubs and vegetation against the foundation and covering the front entry/porch create maintenance and egress concerns and can hide pests or create moisture contact. Driveway and front walkway show cracking and wear. Screened porch has missing/unfinished screening and exposed framing. Gutters/downspouts minimally visible; drainage path not fully shown. Yard generally maintained but needs landscaping cleanup and minor site repairs."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (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": [],
"confidence": 0.7,
"assumptions": [
"Interior photos represent the full interior condition; no hidden collapsed ceilings or major interior water damage beyond visible images.",
"Central HVAC exists and is operational (thermostat visible), but exterior condenser and service records were not provided.",
"Hot water and plumbing are present and functional though not photographed; no active leaks observed in pictured areas.",
"Smoke detectors and carbon monoxide detectors are not visible in the photos; assume they may be missing or not pictured and should be installed/tested prior to inspection.",
"Bedroom egress windows meet size requirements or are close; exact dimensions not verifiable from photos.",
"Electrical panel, water heater, and gas lines (if any) were not shown; assume no visible unsafe conditions in available photos.",
"Peeling paint on exterior shutters is cosmetic; interior paint appears intact. Because the house was built in 1948, assume lead‑paint risk exists and proper disclosures/repairs (if peeling) will be needed."
],
"overall_score": 69.0,
"rubric_version": "ns-preset-2026-01"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "425 87th St, Birmingham, AL, 35206",
"aggregate": {
"summary": "Overall the property appears lease-ready with mostly cosmetic and small-scope repairs required. Interior shows recent renovation and appliances present, which is positive for Section 8 inspections. Primary issues to address before inspection: verify and install smoke and CO detectors as required, confirm GFCI protection in kitchen/bath, trim/clear overgrown shrubs obstructing porch and windows, repair/patch the cracked porch slab and spalled step edges to remove trip hazards, and verify operation/age of HVAC, water heater and electrical panel. With those items completed (mostly quick fixes and small capital repairs), this home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 76.7,
"rationale": "Interior appears recently renovated: new-looking LVP flooring, fresh paint, functioning kitchen appliances visible (range, microwave, refrigerator). No major interior cosmetic damage seen. Exterior shows peeling paint on shutters, overgrown shrubs obstructing front porch and some windows, cracked driveway and a large crack in the porch slab that is a trip hazard. Missing/partial porch screens and some exposed screening framing. These are primarily moderate, cosmetic or localized repairs that can be addressed quickly."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 64.0,
"rationale": "Siding and foundation blocks appear intact with crawlspace vents visible. Mature trees/shrubbery provide privacy but are overgrown and currently obstruct access/line-of-sight to the porch and some windows (could affect egress and pest risk). Driveway and walk have cracking and vegetation intrusion. Porch concrete has a long crack that is a trip hazard; some porch screen framing missing. No visible standing water, major foundation cracks, or roof collapse observed from exterior photos."
},
{
"key": "rental_history_activity",
"label": "Rental history 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": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life-threatening hazards in photos: stairs have a handrail, porch has a guardrail, no exposed electrical wiring visible, interior outlets and thermostat present. Deadbolt/secondary lock appears present at the entry. However smoke detectors and carbon monoxide alarms are not visible in photos (ADT sticker indicates an alarm system but does not confirm detectors), GFCI protection in kitchen/bath not confirmed, and the cracked porch slab is a trip hazard. Bedroom egress windows appear to be standard size but full compliance cannot be confirmed from photos. Overall moderate risk that can be resolved with installation/verification of detectors and GFCI outlets and by repairing/trimming exterior trip/egress obstructions."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Interior shows floor vents and a thermostat, suggesting central HVAC is present; no HVAC unit, water heater, or electrical panel are shown. Roof shingles appear aged but show no visible sagging or active leaks in photos. Given the recent interior updates and rental activity, systems are likely functional but not verified; unknowns (age/condition of HVAC, water heater, electrical panel, plumbing hot water) reduce the score. No visible signs of severe system failure."
}
],
"red_flags": [],
"confidence": 0.81,
"assumptions": [
"Central HVAC is present and operational (inferred from floor vents and visible thermostat); exact age/condition not verified.",
"Kitchen appliances shown in photos (range, microwave, refrigerator) are functional; seller will supply them at time of rental.",
"No smoke detectors or CO alarms were visible in photos; assume detectors may be missing or not shown and need verification/installation.",
"Electrical panel, water heater and GFCI outlets are present but not pictured; their condition/placement is unknown and assumed serviceable until proven otherwise.",
"Bedrooms have egress windows of adequate size based on typical layout and photo perspectives, but measurements must be confirmed during inspection.",
"Roof is aged but shows no visible active leaks or sagging in provided exterior photos; only surface wear is assumed.",
"Overgrown shrubs currently partially block the porch/walkway but are not causing visible structural damage."
],
"score_method": "mean_of_criteria",
"overall_score": 70.0,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8537213591"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.