Property ID: 8540834685

2008 Short 14th St N, Bessemer, AL, 35020

Bessemer, AL

For Sale Feb 16, 2026 01:45 AM UTC Realtor Zillow Street View
Money Down: $25,200 CoC Return: 15.52% Monthly Cash Flow: $326
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,000
Closing Costs
$4,200
Total Down
$25,200
Primary property image

Investment Snapshot

Purchase Price
$105,000
Money Down
$25,200
Cash-on-Cash Return
15.52%
Rent
$1,170
Monthly Cash Flow
$326
Annual Cash Flow
$3,910
Debt Service / Mo
$559
Property Tax / Mo
$101
Insurance / Mo
$67

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,170
Payment Standard
$1,419
Rent
$1,170
Insurance
$67
Property Tax
$101
Management
$117
Utilities Allowance
$249
NOI (Monthly)
$885
Debt Service
$559
Cash Flow After Debt
$326

Quality Score: 72.70%

Confidence: 92.00%

Overall the property appears move-in ready with mainly cosmetic and routine repair items. Major systems appear present (central HVAC vents, appliances present), smoke detector installed, and exterior brick envelope and fenced yard are good indicators of low structural risk. Primary inspection risks to address before a Housing Choice Voucher inspection: install/verify GFCI protection in kitchen and bathroom, confirm carbon monoxide detector placement if required, verify deadbolt on entry door, and investigate minor ceiling discoloration to rule out active leak. With those items addressed the home is likely to pass an initial NSPIRE/Housing Choice Voucher inspection within 1-4 weeks.

Section 8 Payment Standard
$1,419
Utility Allowance Total
$249
Guaranteed Section 8 Rent (PS - Utilities)
$1,170
Property Management
$117

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$105,000
Beds
3
Baths
1
Living Area
1,225 sqft
Lot Size
6,098 sqft
Year Built
1960
Days on Market
126
Capital Outlay
$25,200
Debt Service
$559
Property Tax / Mo
$101
Insurance / Mo
$67

Property Description

Don't miss your chance to own this remarkable listing! This charming 3 bedrooms, 1 bath home features a spacious den, along with a welcoming kitchen, living room, and dining room perfect for entertaining.The home boast beautiful hardwood flooring, granite countertops, along with a range of recent updates throughout. This property offers one- level living, full brick exterior, and a fenced backyard, conveniently located near interstate, park, and schools. Make this wonderful home yours today!

Utility Allowances

heating
$67
Property has central heating. As other major appliances are electric, electric heat is assumed. The 'Bessemer' electric provider is selected based on the property's location.
cooling
$15
Property has central air conditioning. The 'Bessemer' electric provider is selected based on location.
cooking
$14
Property info specifies an electric stove. The 'Bessemer' electric provider is selected based on the property's location.
water_heating
$37
Property info specifies an electric water heater. The 'Bessemer' electric provider is selected based on the property's location.
other_electric
$48
This covers general electrical use for lights and other tenant appliances. The 'Bessemer' provider is selected based on the property's location.
water
$68
Property uses public water. The 'Water: Bessemer' provider is selected based on the property's location.
sewer
$0
Property is on a septic system, not a public sewer line, resulting in a $0 allowance.
trash_collection
$0
Selected 'Bessemer ISCL' based on property location. The allowance is $0 per the utility schedule.
refrigerator
$0
The property listing indicates a refrigerator is provided by the landlord.
range_microwave
$0
The property listing indicates a microwave is provided by the landlord.

Source References

Payment Standard Source
Effective Date: Jan 01, 2026
Utility Allowance Source
Effective Date: Jan 01, 2026

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$660
DP3 Annual Estimate$953
DP1 Monthly Equivalent$55
DP3 Monthly Equivalent$79
Replacement Value$76,000
Basis1,225 sqft / 1960

Nearby Houses

Nearby house 1
Photo unavailable

2000 Short 14th St N

sold · 0.02 mi
Price: $28,000
3 bd / 1 ba · 1,025 sqft
Latest sale: $28,000
Latest rent: —
Nearby house 2
Photo unavailable

2017 Short 14th St N

sold · 0.04 mi
Price: $34,000
3 bd / 1 ba · 1,103 sqft
Latest sale: $34,000
Latest rent: —
Photo unavailable

1321 21st Ave N

sold · 0.04 mi
Price: $22,000
2 bd / 1 ba · 947 sqft
Latest sale: $22,000 on Sep 11, 2018
Latest rent: —
Nearby house 4
Photo unavailable

1317 21st Ave N

sold · 0.05 mi
Price: $18,000
3 bd / 1 ba · 1,025 sqft
Latest sale: $18,000 on Mar 24, 2022
Latest rent: —
Nearby house 5
Photo unavailable

1309 21st Ave N

sold · 0.06 mi
Price: $65,000
3 bd / 1 ba · 1,025 sqft
Latest sale: $65,000 on Feb 26, 2024
Latest rent: $1,025 on Jul 15, 2022
Nearby house 6
Photo unavailable

2104 Short 14th St N

sold · 0.08 mi
Price: $82,500
3 bd / 1 ba · 1,025 sqft
Latest sale: $82,500
Latest rent: —
Nearby house 7
Photo unavailable

2005 Long 14th St

sold · 0.09 mi
Price: $30,000
3 bd / 1 ba · 900 sqft
Latest sale: $30,000 on Oct 11, 2023
Latest rent: $1,200 on Apr 18, 2025
Nearby house 8
Photo unavailable

2017 Long 14th St

sold · 0.10 mi
Price: $10,500
2 bd / 1 ba · 672 sqft
Latest sale: $10,500 on Aug 28, 2023
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success
  • Possible ceiling staining/discoloration above kitchen area (photo) — potential past or active water intrusion that should be inspected.
  • No visible GFCI outlets in kitchen or bathroom (older outlets shown) — requires correction to meet modern safety requirements.
  • No carbon monoxide alarm visible in photos (may be required depending on fuel appliances and local code).

Assumptions

  • Interior photos are representative of entire unit condition and were taken recently.
  • A smoke detector exists in the hallway (visible in photo); other detectors (CO) are not present or not visible.
  • Central HVAC is present and operational (ceiling vents visible); no evidence of missing heating system.
  • Water heater and electrical service/panel location and condition are unknown (not shown).
  • Appliances shown (refrigerator, electric stove, microwave) are functional or can be made functional with minor servicing.
  • Windows in bedrooms provide required egress (multiple windows visible), assumed meeting minimal egress size absent actual measurements.
  • No active major foundation movement or structural sagging is present based on level floor lines and brick exterior; photos do not show visible cracks.
  • Listing statements about recent updates and granite countertops are assumed accurate where visually consistent.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,178 $85,800 $17,160
2023 $1,178 $85,800 $17,160
2022 $888 $64,700 $12,940
2021 $888 $64,700 $12,940
2020 $946 $68,900 $13,780
2019 $946 $68,900 $13,780
2018 $809 $58,900 $11,780
2017 $809 $58,900 $11,780
2016 $809 $58,900 $11,780
2015 $809 $58,900 $11,780
2013 $811 $58,000 $11,600

Sale History

DateEventPrice
2025-11-27 Price Changed $105,000
2025-10-13 Listed $110,000

Photo Gallery

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    "mortgage_monthly": 558.85,
    "payment_standard": 1419.0,
    "total_amount_out": 21000.0,
    "additional_photos": [
      "https://ap.rdcpix.com/43be2d9f7cd6b2fc0f751b16a5bcf7afl-m2231193333s-w1280.jpg",
      "https://ap.rdcpix.com/43be2d9f7cd6b2fc0f751b16a5bcf7afl-m3237606728s-w1280.jpg",
      "https://ap.rdcpix.com/43be2d9f7cd6b2fc0f751b16a5bcf7afl-m2666047637s-w1280.jpg",
      "https://ap.rdcpix.com/43be2d9f7cd6b2fc0f751b16a5bcf7afl-m3636539927s-w1280.jpg",
      "https://ap.rdcpix.com/43be2d9f7cd6b2fc0f751b16a5bcf7afl-m1831328439s-w1280.jpg",
      "https://ap.rdcpix.com/43be2d9f7cd6b2fc0f751b16a5bcf7afl-m822987405s-w1280.jpg",
      "https://ap.rdcpix.com/43be2d9f7cd6b2fc0f751b16a5bcf7afl-m872024508s-w1280.jpg",
      "https://ap.rdcpix.com/43be2d9f7cd6b2fc0f751b16a5bcf7afl-m3556324262s-w1280.jpg",
      "https://ap.rdcpix.com/43be2d9f7cd6b2fc0f751b16a5bcf7afl-m2762808424s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 67.21,
    "monthly_cash_flow": 884.68,
    "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. As other major appliances are electric, electric heat is assumed. The 'Bessemer' electric provider is selected based on the property's location.",
        "utility": "heating",
        "allowance": 67
      },
      {
        "note": "Property has central air conditioning. The 'Bessemer' electric provider is selected based on location.",
        "utility": "cooling",
        "allowance": 15
      },
      {
        "note": "Property info specifies an electric stove. The 'Bessemer' electric provider is selected based on the property's location.",
        "utility": "cooking",
        "allowance": 14
      },
      {
        "note": "Property info specifies an electric water heater. The 'Bessemer' electric provider is selected based on the property's location.",
        "utility": "water_heating",
        "allowance": 37
      },
      {
        "note": "This covers general electrical use for lights and other tenant appliances. The 'Bessemer' provider is selected based on the property's location.",
        "utility": "other_electric",
        "allowance": 48
      },
      {
        "note": "Property uses public water. The 'Water: Bessemer' provider is selected based on the property's location.",
        "utility": "water",
        "allowance": 68
      },
      {
        "note": "Property is on a septic system, not a public sewer line, resulting in a $0 allowance.",
        "utility": "sewer",
        "allowance": 0
      },
      {
        "note": "Selected 'Bessemer ISCL' based on property location. The allowance is $0 per the utility schedule.",
        "utility": "trash_collection",
        "allowance": 0
      },
      {
        "note": "The property listing indicates a refrigerator is provided by the landlord.",
        "utility": "refrigerator",
        "allowance": 0
      },
      {
        "note": "The property listing indicates a microwave is provided by the landlord.",
        "utility": "range_microwave",
        "allowance": 0
      }
    ],
    "cash_on_cash_return": 0.51,
    "down_payment_amount": 21000.0,
    "property_tax_annual": 1213.34,
    "property_tax_monthly": 101.11,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 249.0,
    "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": 3909.91,
    "property_management_monthly": 117.0,
    "monthly_cash_flow_after_debt": 325.83,
    "cash_on_cash_return_after_debt": 0.19
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall the property appears move-in ready with mainly cosmetic and routine repair items. Major systems appear present (central HVAC vents, appliances present), smoke detector installed, and exterior brick envelope and fenced yard are good indicators of low structural risk. Primary inspection risks to address before a Housing Choice Voucher inspection: install/verify GFCI protection in kitchen and bathroom, confirm carbon monoxide detector placement if required, verify deadbolt on entry door, and investigate minor ceiling discoloration to rule out active leak. With those items addressed the home is likely to pass an initial NSPIRE/Housing Choice Voucher inspection within 1-4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "House appears generally well maintained with intact hardwood floors, working appliances (fridge, range, microwave shown), functioning doors and windows, and cosmetic updates (paint, curtains). Visible deferred items are cosmetic: scuffs at baseboards, worn finish on some hardwood, gap/trim missing under kitchen cabinets, loose-looking mobile cabinet, and older bathroom finishes (grout/caulk and mirror trim). No obvious major structural damage or collapsed elements visible. These are minor to moderate repairs and mostly cosmetic/capital in nature."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk (NSPIRE)",
            "score": 70.0,
            "rationale": "A smoke detector is visible in the hallway (photo). Entry has a metal security/storm door and porch railings are present. No visible exposed wiring or broken stairs/handrails. However GFCI protection is not visible at kitchen or bathroom outlets (older outlets shown), and no carbon monoxide alarm is visible in photos. Bathroom tile and grout show age/discoloration (potential moisture areas). Bedroom egress appears likely (windows in bedrooms), but deadbolt is not clearly visible. Overall low-moderate safety risk from missing GFCI/CO alarms and some moisture-aged finishes."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 70.0,
            "rationale": "Ceiling supply vents are visible in multiple rooms indicating a central HVAC system is present; ceiling-mounted return/vents appear intact. Stove, refrigerator, and microwave are present. Roof appears intact from front elevation with no visible sagging or missing shingles, but roof age is unknown. Water heater and electrical panel are not shown; plumbing fixtures (kitchen sink, bathroom fixtures) look intact. No visible active system failures, but absence of water heater/panel photos and only visual inspection of vents yields some uncertainty."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 80.0,
            "rationale": "Full brick exterior looks sound, front porch and stairs have railings, yard is fenced, and walkway is serviceable. Shrubbery trimmed and no obvious exterior structural cracks or foundation displacement are visible. Small stump in front yard/landscaping and typical aging of porch paint are noted but are minor. Drainage and downspouts not visible in photos."
          }
        ],
        "red_flags": [
          "Possible ceiling staining/discoloration above kitchen area (photo) — potential past or active water intrusion that should be inspected.",
          "No visible GFCI outlets in kitchen or bathroom (older outlets shown) — requires correction to meet modern safety requirements.",
          "No carbon monoxide alarm visible in photos (may be required depending on fuel appliances and local code)."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Interior photos are representative of entire unit condition and were taken recently.",
          "A smoke detector exists in the hallway (visible in photo); other detectors (CO) are not present or not visible.",
          "Central HVAC is present and operational (ceiling vents visible); no evidence of missing heating system.",
          "Water heater and electrical service/panel location and condition are unknown (not shown).",
          "Appliances shown (refrigerator, electric stove, microwave) are functional or can be made functional with minor servicing.",
          "Windows in bedrooms provide required egress (multiple windows visible), assumed meeting minimal egress size absent actual measurements.",
          "No active major foundation movement or structural sagging is present based on level floor lines and brick exterior; photos do not show visible cracks.",
          "Listing statements about recent updates and granite countertops are assumed accurate where visually consistent."
        ],
        "overall_score": 73.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This full‑brick 3BR/1BA home appears largely sound and would likely pass an initial HCV/NSPIRE inspection after addressing several moderate items: confirm and/or install smoke detectors in each bedroom and common area, install/verify GFCI protection in kitchen and bathroom outlets, verify operational HVAC and hot water systems, and re-seal/repair bathroom tile/caulking where staining suggests past moisture. Most observed issues are minor or cosmetic — the property could be rent-ready within 2–4 weeks given routine electrical/ detector work and a targeted plumbing/ cosmetic touch-up.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Overall condition & deferred maintenance",
            "score": 75.0,
            "rationale": "Interior appears generally well maintained with intact hardwood floors, painted walls, functioning cabinets and appliances present (stove, microwave, refrigerator). Cosmetic wear is visible (scuffs at trim, worn cabinet toe, minor cabinet base gap, dated bathroom finishes). No large areas of collapsed finishes or exposed substructure visible. Missing/imperfect kickplates and small cosmetic repairs expected — easy-to-fix items that would not block an inspection if addressed quickly."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code compliance risk",
            "score": 65.0,
            "rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, major structural sagging, or exposed live wiring). Entry has a secure door and porch railings. Visible smoke detector in hallway but no detectors seen inside bedrooms (NSPIRE normally requires smoke alarms in every bedroom and common area) and carbon monoxide detector not visible. Kitchen and bathroom outlets do not show GFCI protection in photos (kitchen outlet faceplates are standard). Bathroom shows some tile/caulk discoloration and staining that suggests prior moisture; egress windows in bedrooms appear present. These items create inspection risk but are fixable (add/relocate smoke/CO detectors, GFCI replacements, re-caulking)."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems: HVAC, electrical, plumbing, roof, water heater",
            "score": 60.0,
            "rationale": "Ceiling supply vents and ceiling registers indicate central HVAC, and ceiling fans present; no mechanical equipment (condensing unit, furnace, water heater, or electrical panel) are shown for verification. Roof shingles appear intact from front photo but age is unknown. Plumbing fixtures (sink, toilet, tub/shower) are present; tub tile grout shows discoloration suggesting past moisture but no active leaks visible. Electrical outlets and switches are present and appear functional but no panel or labeling visible. Because key equipment locations are not shown, system functionality is unconfirmed — moderate inspection risk until verified by service records or in-person check."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, site & walkways",
            "score": 85.0,
            "rationale": "Full brick exterior and covered front porch in visually sound condition. Front steps and handrails are present and appear stable. Yard is fenced, lawn maintained, and primary walkway is intact. No visible standing water, major foundation cracking, or severe exterior deterioration in provided photos. Landscaping close to foundation should be trimmed but is not a major defect."
          }
        ],
        "red_flags": [
          "Likely missing GFCI protection for kitchen and bathroom outlets (code/NSPIRE requirement) — potential inspection failure if not addressed.",
          "No visible smoke detectors inside bedrooms (only hallway detector visible) — NSPIRE requires alarms in sleeping areas; this could cause a fail.",
          "Bathroom tile/ceiling discoloration near shower suggests prior or recurring moisture; needs verification to rule out active leak or mold.",
          "No photos of mechanical equipment (HVAC condensing unit, water heater) or electrical panel — lack of verification increases risk of a systems-related inspection failure if any are nonfunctional."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Central HVAC is present and operational based on visible ceiling supply vents — no condenser/furnace photos were provided.",
          "Water heater is present and functional but not shown in photos; hot water availability is assumed but unconfirmed.",
          "Only one smoke detector visible in hallway; bedrooms likely do not have detectors (none visible) and will need verification/installation.",
          "Kitchen and bathroom outlets shown are standard duplex outlets (no visible GFCI) — assume GFCI protection is missing until confirmed.",
          "Roof appears intact from front-facing photo; full roof condition (age, leaks) is assumed fair without evidence of active leaks.",
          "No electrical panel photo was provided; assume panel is present and intact unless inspection finds otherwise.",
          "Home built in 1960 — potential for lead-based paint in painted surfaces exists and should be considered in tenant placement/lead risk policies."
        ],
        "overall_score": 70.4,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall the property appears in good, mostly cosmetic condition with functioning core components visible (kitchen appliances, plumbing fixtures, central HVAC registers, intact roof and full brick envelope). The home shows minor interior wear and aged fixtures but no visible structural or life-safety failures. Primary inspection risks that may require small repairs before an HCV/NSPIRE inspection are: absence/visibility of GFCI protection at kitchen counters, possible missing CO detector, and limited evidence of smoke detectors inside each bedroom. If those items are addressed (install GFCI outlets where required, add CO alarm if fuel appliances present, add/verify smoke alarms in bedrooms), the property is likely to pass an initial Housing Choice Voucher inspection with minor repairs and be rent-ready within 2-4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repair needs",
            "score": 78.0,
            "rationale": "Photos show generally well-maintained interior hardwood floors, intact cabinetry, and clean tile in kitchen/bath. Cosmetic wear is present (scuffed baseboards, minor cabinet toe-kick damage, some tile grout discoloration, minor ceiling texture staining above tub). Appliances (refrigerator, range, microwave) are present but older — missing appliance condition would only be a moderate deduction; here they exist. Porch paint on steps is worn and a few trim pieces appear aged. Overall mostly cosmetic/finish repairs; no large visible deferred maintenance."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risks",
            "score": 70.0,
            "rationale": "A smoke detector is visible in the hallway (positive). Bedrooms show adequate windows for egress in the photos. No visible exposed wiring, broken guardrails, collapsed ceilings, or major trip hazards. Kitchen outlets beside sink appear to be standard outlets — no clearly labeled GFCI shown at countertop (possible NSPIRE/GFCI requirement concern). Carbon monoxide detector not observed in photos (could be required if fuel-burning appliances present). Front entry has a security screen and standard door; deadbolt presence is not clearly visible. Bathroom shows no active leak evidence but some staining near shower tile suggests prior moisture. These are likely fixable but represent inspection risk (GFCI, CO detector, possibly additional smoke detectors in bedrooms)."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems condition (HVAC, electrical, plumbing, roof)",
            "score": 70.0,
            "rationale": "Visible ceiling supply/return registers indicate central HVAC ducting likely present (positive). No visible collapsed ceilings or major structural issues. Roof shingles visible from front view appear aged but intact — no visible active leak or sag. Plumbing fixtures (kitchen sink, tub/shower, lavatory) are present and appear serviceable though grout/stain areas in tub surround will need attention. Electrical panel not shown, but no obvious exposed wiring in interior photos. Water heater not visible. Overall systems appear functional or present but several core items (panel, water heater age/condition, HVAC operational test) cannot be confirmed from photos and should be verified; treat as moderate systems risk."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 80.0,
            "rationale": "Full brick exterior in photos looks solid and well-kept. Front porch has metal railings and steps; railings are present and appear secure. Yard is fenced and walk path to porch is intact with only minor cracking/staining. Eaves/soffits visible with no large missing pieces. No signs of standing water, major foundation movement, or visible pest infestation from the exterior photos. Roof appears aged but without visible major failure in provided images."
          }
        ],
        "red_flags": [],
        "confidence": 0.72,
        "assumptions": [
          "Central HVAC is present and operational (ceiling supply/return vents visible) though not directly tested in photos.",
          "Water heater and electrical panel exist and are intact but were not photographed; assumed serviceable absent visible defects.",
          "Kitchen appliances shown (fridge, range, microwave) are present and functional or will be provided; their age is older but not a disqualifier.",
          "Smoke detector observed in hallway is functioning; additional smoke alarms in bedrooms may be required and are not visible in photos.",
          "No active roof leaks or major plumbing leaks are present; minor ceiling/bath staining indicates past moisture but no active collapse.",
          "Front entry has at least a functioning keyed lock; presence of a deadbolt is not confirmed and may be required per local practice.",
          "No significant concealed hazards (major mold, structural failure, hidden electrical hazards) exist beyond what can be visually inferred from images."
        ],
        "overall_score": 74.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "2008 Short 14th St N, Bessemer, AL, 35020",
    "aggregate": {
      "summary": "Overall the property appears move-in ready with mainly cosmetic and routine repair items. Major systems appear present (central HVAC vents, appliances present), smoke detector installed, and exterior brick envelope and fenced yard are good indicators of low structural risk. Primary inspection risks to address before a Housing Choice Voucher inspection: install/verify GFCI protection in kitchen and bathroom, confirm carbon monoxide detector placement if required, verify deadbolt on entry door, and investigate minor ceiling discoloration to rule out active leak. With those items addressed the home is likely to pass an initial NSPIRE/Housing Choice Voucher inspection within 1-4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 76.0,
          "rationale": "House appears generally well maintained with intact hardwood floors, working appliances (fridge, range, microwave shown), functioning doors and windows, and cosmetic updates (paint, curtains). Visible deferred items are cosmetic: scuffs at baseboards, worn finish on some hardwood, gap/trim missing under kitchen cabinets, loose-looking mobile cabinet, and older bathroom finishes (grout/caulk and mirror trim). No obvious major structural damage or collapsed elements visible. These are minor to moderate repairs and mostly cosmetic/capital in nature."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 81.7,
          "rationale": "Full brick exterior looks sound, front porch and stairs have railings, yard is fenced, and walkway is serviceable. Shrubbery trimmed and no obvious exterior structural cracks or foundation displacement are visible. Small stump in front yard/landscaping and typical aging of porch paint are noted but are minor. Drainage and downspouts not visible in photos."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Risk (NSPIRE)",
          "score": 68.3,
          "rationale": "A smoke detector is visible in the hallway (photo). Entry has a metal security/storm door and porch railings are present. No visible exposed wiring or broken stairs/handrails. However GFCI protection is not visible at kitchen or bathroom outlets (older outlets shown), and no carbon monoxide alarm is visible in photos. Bathroom tile and grout show age/discoloration (potential moisture areas). Bedroom egress appears likely (windows in bedrooms), but deadbolt is not clearly visible. Overall low-moderate safety risk from missing GFCI/CO alarms and some moisture-aged finishes."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems & Mechanical",
          "score": 66.7,
          "rationale": "Ceiling supply vents are visible in multiple rooms indicating a central HVAC system is present; ceiling-mounted return/vents appear intact. Stove, refrigerator, and microwave are present. Roof appears intact from front elevation with no visible sagging or missing shingles, but roof age is unknown. Water heater and electrical panel are not shown; plumbing fixtures (kitchen sink, bathroom fixtures) look intact. No visible active system failures, but absence of water heater/panel photos and only visual inspection of vents yields some uncertainty."
        }
      ],
      "red_flags": [
        "Possible ceiling staining/discoloration above kitchen area (photo) — potential past or active water intrusion that should be inspected.",
        "No visible GFCI outlets in kitchen or bathroom (older outlets shown) — requires correction to meet modern safety requirements.",
        "No carbon monoxide alarm visible in photos (may be required depending on fuel appliances and local code)."
      ],
      "confidence": 0.92,
      "assumptions": [
        "Interior photos are representative of entire unit condition and were taken recently.",
        "A smoke detector exists in the hallway (visible in photo); other detectors (CO) are not present or not visible.",
        "Central HVAC is present and operational (ceiling vents visible); no evidence of missing heating system.",
        "Water heater and electrical service/panel location and condition are unknown (not shown).",
        "Appliances shown (refrigerator, electric stove, microwave) are functional or can be made functional with minor servicing.",
        "Windows in bedrooms provide required egress (multiple windows visible), assumed meeting minimal egress size absent actual measurements.",
        "No active major foundation movement or structural sagging is present based on level floor lines and brick exterior; photos do not show visible cracks.",
        "Listing statements about recent updates and granite countertops are assumed accurate where visually consistent."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 72.7,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8540834685"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.