Property ID: 8541060878
990 Bluff St, Bessemer, AL, 35020
Bessemer, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$5,160
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$129,000
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: 69.40%
Confidence: 95.00%
Primary house appears largely renovated and likely able to pass an initial HCV/NSPIRE inspection after verification of smoke/CO detectors, GFCI protection in wet areas, confirmed egress windows in bedrooms, and basic systems testing (hot water, HVAC, electrical panel). The property’s exterior and site need modest cleanup and some repair (rusted carport posts, concrete spalling, slope/erosion control). The detached secondary structure is in poor condition and would require substantial rehab if it’s to be used as a rental unit; if only the main house is rented, that secondary house is a non-critical deferment but should be made safe or removed. Estimated time-to-rent (main house only) with targeted fixes: 1–4 weeks for detector/GFCI installs and systems verification; longer if roof, plumbing, or panel work is required.
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
$129,000
Beds
3
Baths
2
Living Area
1,256 sqft
Lot Size
20,473 sqft
Year Built
1950
Days on Market
213
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
BACK ON MARKET AT NO FAULT OF THE SELLERS. Two houses for the price of one! Come take a look at an amazing opportunity for a family or an investor. Completely redone home with an extra home on the parcel that needs to be refinished with your loving touches. Mother in law suite in the same house? How about mother in law entirely separate HOUSE!?! Storm shelter right between the two properties, and second property is only steps away from the main house. The second house is a 2 bed 1 bath with good bones
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$759
DP3 Annual Estimate$1,073
DP1 Monthly Equivalent$63
DP3 Monthly Equivalent$89
Replacement Value$98,700
Basis1,256 sqft / 1950
Nearby Houses
Photo unavailable
1008 Bluff St
sold · 0.06 mi
Price: $145,900
3 bd / 2 ba · 1,336 sqft
Latest sale: $145,900 on Oct 20, 2021
Latest rent: $1,425 on May 22, 2025
Photo unavailable
626 Adams Ave
sold · 0.13 mi
Price: $43,000
2 bd / 1 ba · 1,474 sqft
Latest sale: $43,000 on Aug 09, 2024
Latest rent: —
Photo unavailable
731 Potter Ave
sold · 0.13 mi
Price: $181,000
3 bd / 2 ba · 1,845 sqft
Latest sale: $181,000 on Oct 15, 2025
Latest rent: —
Photo unavailable
700 Adams Ave
sold · 0.14 mi
Price: $48,000
3 bd / 2 ba · 1,284 sqft
Latest sale: $48,000 on Apr 24, 2023
Latest rent: —
Photo unavailable
724 Potter Ave
sold · 0.15 mi
Price: $79,000
2 bd / 2 ba
Latest sale: $79,000 on Jun 24, 2016
Latest rent: —
Photo unavailable
533 Eastern Valley Rd
sold · 0.17 mi
Price: $49,000
2 bd / 1 ba
Latest sale: $49,000 on Oct 12, 2016
Latest rent: —
Photo unavailable
803 Potter Ave
for_sale · 0.18 mi
Price: $220,000
3 bd / 3 ba · 2,061 sqft
Latest sale: $133,500 on Dec 04, 2017
Latest rent: —
Photo unavailable
730 Asberry St
sold · 0.18 mi
Price: $154,500
3 bd / 2 ba · 3,154 sqft
Latest sale: $154,500 on Sep 19, 2025
Latest rent: —
Photo unavailable
728 Asberry St
sold · 0.19 mi
Price: $76,500
3 bd / 2 ba · 1,450 sqft
Latest sale: $76,500 on Mar 14, 2018
Latest rent: —
Photo unavailable
800 Potter Ave
sold · 0.19 mi
Price: $135,000
3 bd / 2 ba · 1,190 sqft
Latest sale: $135,000 on Mar 29, 2023
Latest rent: —
Photo unavailable
631 Asberry St Units 5 & 13
sold · 0.20 mi
Price: $15,050
— bd / — ba
Latest sale: $15,050
Latest rent: —
Photo unavailable
608 Butler Ave Lot 19
for_sale · 0.20 mi
Price: $20,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
428 Brook Ave
sold · 0.22 mi
Price: $26,500
2 bd / 1 ba
Latest sale: $26,500 on Nov 22, 2016
Latest rent: —
Photo unavailable
540 Drake Ave
sold · 0.22 mi
Price: $50,000
3 bd / 2 ba
Latest sale: $50,000 on Oct 14, 2016
Latest rent: —
Photo unavailable
704 Drake Ave
for_sale · 0.23 mi
Price: $239,900
4 bd / 2 ba · 2,436 sqft
Latest sale: $135,000
Latest rent: —
Photo unavailable
900 Ferro Ave
sold · 0.23 mi
Price: $225,000
5 bd / 3 ba · 2,652 sqft
Latest sale: $225,000
Latest rent: —
Photo unavailable
512 Butler Ave Lot 15
for_sale · 0.28 mi
Price: $20,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
510 Butler Ave Lot 14
for_sale · 0.30 mi
Price: $20,000
— bd / — ba
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
Assumptions
- Photos represent current condition of the primary dwelling; interior photos limited to a single living room image—kitchen and bathrooms not shown.
- Primary house has central HVAC because an exterior condenser is visible; system operation has not been tested.
- No smoke or carbon monoxide detectors are visible in photos; assume they are not installed or not shown and will need verification/installation.
- Electrical panel, water heater, plumbing fixtures, and GFCI outlets are not visible and their condition is unknown.
- The secondary detached structure is on the same parcel and is not assumed to be part of the rental unit for an HCV inspection of the main house, but its poor condition could create exterior/site issues.
- No evidence of active roof leaks, structural sagging, or collapsed ceilings seen in provided images; such conditions would reduce scores if present on inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,187 | $118,500 | $23,700 |
| 2023 | $1,187 | $118,500 | $23,700 |
| 2022 | $920 | $91,900 | $18,380 |
| 2021 | $831 | $83,000 | $16,600 |
| 2020 | $831 | $83,000 | $16,600 |
| 2019 | $831 | $83,000 | $16,600 |
| 2018 | $831 | $83,000 | $16,600 |
| 2017 | $831 | $83,000 | $16,600 |
| 2016 | $856 | $85,500 | $17,100 |
| 2015 | $831 | $83,000 | $16,600 |
| 2013 | $1,012 | $81,800 | $16,360 |
| 2012 | $1,012 | $83,000 | $16,600 |
| 2011 | $1,012 | $57,840 | $11,568 |
| 2010 | $1,012 | $57,840 | $11,568 |
| 2009 | $1,012 | $57,840 | $11,568 |
| 2008 | $982 | $56,140 | $11,228 |
| 2007 | $796 | $53,760 | $10,752 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-09 | Price Changed | $129,000 |
| 2025-09-17 | Price Changed | $149,000 |
| 2025-07-18 | Listed | $169,000 |
Photo Gallery
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"summary": "Primary house appears largely renovated and likely able to pass an initial HCV/NSPIRE inspection after verification of smoke/CO detectors, GFCI protection in wet areas, confirmed egress windows in bedrooms, and basic systems testing (hot water, HVAC, electrical panel). The property’s exterior and site need modest cleanup and some repair (rusted carport posts, concrete spalling, slope/erosion control). The detached secondary structure is in poor condition and would require substantial rehab if it’s to be used as a rental unit; if only the main house is rented, that secondary house is a non-critical deferment but should be made safe or removed. Estimated time-to-rent (main house only) with targeted fixes: 1–4 weeks for detector/GFCI installs and systems verification; longer if roof, plumbing, or panel work is required.",
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"key": "condition_repairs",
"label": "Visible condition and repair needs",
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"rationale": "Main/primary house exterior and visible interior living area appear recently renovated: fresh paint, new-looking flooring, recessed lighting and trim. Carport and support posts show surface rust and some wear. Exterior stairs/retaining walls show staining and minor concrete spalling. Landscaping is rough (fresh mulch, uneven ground). Secondary detached structure on the same parcel is in visibly poor condition (peeling siding, worn steps) and will need significant rehab if rented or used, but the main unit appears largely cosmetic-complete. Missing kitchen/bath photos — absence of visible appliances reduces score modestly."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 70.0,
"rationale": "No exposed wiring, no visible major trip hazards, entry doors look serviceable and have a screen/lock; exterior stair to yard has a handrail. No visible ceiling/foundation collapse or active roof sag. However: smoke and CO detectors are not visible in photos and must be verified/installed; GFCI outlets in kitchen/bath not visible; bedroom egress and window dimensions not confirmed from photos. The carport posts show rust (not immediate life-threatening but should be evaluated). Overall moderate risk until detectors, egress, and GFCI are confirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 65.0,
"rationale": "Exterior A/C condenser present (indicates central HVAC likely). Interior vents visible at floor. Roof shingles visually intact with no obvious sag or leak staining but show age — age/remaining life unknown. Electrical panel, water heater, and plumbing fixtures are not shown; hot water and plumbing operation not confirmed. Drainage around the house appears acceptable but slope/erosion on the lot should be monitored. Because system components are plausible but unconfirmed, score reflects likely operable but requires verification/testing."
},
{
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"label": "Exterior envelope, site and lot condition",
"score": 60.0,
"rationale": "Primary dwelling exterior painted and generally intact; brick foundation looks stable with vents present. Driveway and walkways serviceable though stained and showing minor spalling. Yard is heavily sloped in places and recently cleared (wood chips/mulch) — erosion and drainage should be checked. Detached secondary house and an older shed/trailer show clear neglect and peeling paint; debris and remnants near rear retaining wall noted. These site items will need cleanup and repair if they affect safe access or create fall/infestation hazards."
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],
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"confidence": 0.65,
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"No smoke or carbon monoxide detectors are visible in photos; assume they are not installed or not shown and will need verification/installation.",
"Electrical panel, water heater, plumbing fixtures, and GFCI outlets are not visible and their condition is unknown.",
"The secondary detached structure is on the same parcel and is not assumed to be part of the rental unit for an HCV inspection of the main house, but its poor condition could create exterior/site issues.",
"No evidence of active roof leaks, structural sagging, or collapsed ceilings seen in provided images; such conditions would reduce scores if present on inspection."
],
"overall_score": 70.0,
"rubric_version": "1.0"
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"summary": "Main house appears recently renovated inside and is close to rent‑ready; however exterior deferred maintenance (carport posts, driveway, yard) and a deteriorated second dwelling on the lot reduce overall readiness. Key NSPIRE items are unverified in photos (smoke/CO alarms, electrical panel, hot water, GFCI protection). With a short walk‑through to confirm detectors, systems operation, minor exterior repairs, and removal/securement or repair of the secondary structure, the primary unit is likely to pass an initial HCV inspection within about 30 days.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Main dwelling interior photos show a recent cosmetic renovation (fresh paint, new LVT flooring, recessed lighting, ceiling fan). Exterior of main house is serviceable but has minor deferred maintenance (rust on carport posts, cracked/aged driveway, worn landscaping). The second, separate unit on the parcel is visibly deteriorated (peeling paint, boarded/old windows, steps) and will require significant refinishing. Missing or unshown appliances were not penalized heavily because the main unit appears fully renovated; however the second structure reduces the overall condition rating because it contributes to site neglect and potential code concerns."
},
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"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, no standing water, exterior stairs have railings). Exterior stairs and porch have railings but some metal supports show corrosion. There are no visible smoke detectors or CO alarms in interior photos and no electrical panel is shown — both are NSPIRE inspection items and must be confirmed. Carport wiring and lighting appear intact; no exposed live wiring observed. Driveway/yard have trip hazard potential from uneven surfaces and slope. Because critical items (smoke/CO detectors, GFCI locations, electrical panel) are not visible, safety score is reduced to reflect likely inspection checklist items needing verification/installation."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, roof, plumbing, electrical)",
"score": 70.0,
"rationale": "An outdoor HVAC condensing unit is present and appears in place which suggests heating/cooling is served (operation not verified). Roof shingles look intact from photos with no visible sagging or active leaks. No water heater, electrical panel, or plumbing fixtures are shown, so condition must be inferred; interior renovation suggests recent updates but unknowns remain. Given the visible HVAC, intact roofline, and renovated interior, rate as generally serviceable but requiring on‑site verification of hot water, electrical panel condition, GFCI protection, and plumbing operation."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "Main house yard and grounds show recent clearing and mulch; some sloped areas and exposed soil could present drainage concerns that need confirmation. Retaining wall/steps show staining and weathering; carport posts exhibit rust. The separate secondary house/shed and scattered debris on the lot lower the site score because they present visual neglect, potential rodent/infestation harborage, and a likely lead‑paint hazard given building age (1950). Fencing and perimeter appear present in parts but overall landscaping and site cleanup are needed to meet typical voucher inspection exterior cleanliness and safety expectations."
}
],
"red_flags": [
"Second detached dwelling on same parcel is visibly deteriorated (peeling paint, boarded/old windows, steps) — creates potential lead‑paint, infestation, and safety/code issues.",
"No visible smoke detectors or carbon monoxide alarms in interior photos — likely NSPIRE inspection failure point if absent or improperly located.",
"Critical systems not shown: electrical panel location/condition and hot‑water supply not verified (required NSPIRE checks).",
"Rusting/aged carport supports and stained/aged retaining wall material — corrosion and masonry deterioration need evaluation for safety and drainage."
],
"confidence": 0.65,
"assumptions": [
"Assessment is focused on the primary/main house (the renovated 3‑bed unit) as the likely voucher unit; the second separate 2‑bed structure is treated as an accessory property that may influence exterior/site scoring and code scrutiny.",
"Interior mechanicals (water heater, electrical panel, kitchen appliances, GFCI outlets) are not visible in provided photos; this analysis assumes typical renovation included these items but flags them as needing on‑site verification.",
"Smoke detectors and carbon monoxide alarms are not visible in the photos; assume they may not be installed or may not be in compliant locations until verified.",
"No photo shows the electrical service/panel condition; assume standard service but mark as a verification item for NSPIRE.",
"No active roof leaks or structural sagging are visible; assume roof is serviceable but age of shingles may indicate mid‑life condition and should be confirmed.",
"Second building likely contains peeling lead‑risk paint given age (1950) — assumed risk until lead paint testing/abatement documentation provided."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Main house appears recently renovated and is likely to pass an initial HCV/NSPIRE inspection with minor corrections (verify smoke/CO alarms, add/upgrade GFCI outlets if missing, confirm hot water and electrical panel condition). Exterior site work (driveway, carport post refurbish, retaining wall stain/repair, yard clean-up) is needed but is largely cosmetic. The secondary house on the parcel is in visibly poor condition and would likely fail inspection without substantial work; clarify whether that structure will be leased or removed. Recommend targeted pre-inspection: confirm/install smoke & CO detectors, test HVAC and hot water, inspect electrical panel and GFCI outlets, repair/remove/secure deteriorated secondary dwelling features and address retaining-wall moisture staining before listing as a voucher-ready rental.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Main house photos show recent cosmetic work: fresh paint, new-looking vinyl plank floors, recessed lighting and a working ceiling fan — indicates interior renovation. Exterior paint and carport cover appear serviceable. Visible deferred items are limited: rust/peeling paint on carport posts, cracked/aged driveway, stained/dirty retaining wall under carport, and general yard cleanup. The secondary house on the parcel is visibly deteriorated (peeling siding, missing trim/steps) and will require substantial work if it is intended to be a rentable unit; however the listing calls it out as 'needs to be refinished' so primary unit appears redone. No kitchen/bath photos shown so missing appliances or fixture condition cannot be confirmed; absent evidence of internal damage, missing appliances would be a moderate deduction only. Overall mostly cosmetic and easy-to-fix items for the primary unit — moderate work for full turnkey if secondary unit is included."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No visible life-threatening hazards in the main house images: ceiling and floors appear intact, HVAC condenser visible, exterior doors and porch railings present. However key NSPIRE safety items are not visible in photos: smoke and CO alarms, electrical panel condition, GFCI protection in kitchen/baths, hot water availability, and bedroom egress windows cannot be confirmed. There are some minor concerns: rusted carport supports and staining at the retaining wall (possible prior moisture intrusion). Exterior stairs to higher grade have a handrail on one side but some outdoor steps/landings near the secondary structure appear worn. Because safety-critical items (smoke detectors, GFCI, hot water and electrical panel) are unknown, deduct moderate points for compliance risk; nothing in the photos shows a clear immediate life-safety failure for the main unit."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof/HVAC/electrical/plumbing)",
"score": 70.0,
"rationale": "Visible HVAC outdoor unit is present (suggests forced-air heating/cooling), and interior shows functioning lighting and HVAC registers, implying electrical and HVAC are operating. Roof shingles look intact in photos with no obvious sagging or missing areas. No water intrusion, collapsed ceilings or major structural defects are visible. Unknowns that lower score: age/condition of electrical panel and wiring, water heater and plumbing function not shown, and no inspection of sewer/drainage lines. Given the interior renovation signs and visible HVAC, major systems are likely serviceable but would require standard verification (water heater, electrical panel, plumbing checks)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 60.0,
"rationale": "Lot is sloped with retaining walls and exterior stairs; front foundation and brick skirt appear intact. Yard has been cleared but there is evidence of recent mulching/tree work and some exposed soil; the slope and retaining walls should be checked for proper drainage. The retaining wall under the carport shows staining and some mortar/chip deterioration which could indicate past moisture at grade. The accessory/secondary house on the same parcel is in poor exterior condition (peeling paint, missing trim) and the small outbuilding/shed looks aged — if the accessory structure is part of the rental unit package it represents a significant exterior-site repair need. Driveway shows cracking and wear. Overall site is functional but needs attention to drainage, retaining wall and secondary structure."
}
],
"red_flags": [
"Accessory (secondary) house on parcel is visibly deteriorated (peeling siding, missing trim/steps) — would likely fail inspection if offered as a unit without substantial rehab.",
"Retaining wall under carport shows staining and mortar/finish deterioration — potential moisture/drainage issue that should be evaluated.",
"Rusted metal supports on carport and some exterior wear — cosmetic now but can become safety issues if left to degrade.",
"No visible smoke or CO detectors in photos (must be present and functional for NSPIRE)."
],
"confidence": 0.7,
"assumptions": [
"Assessment focuses primarily on the main (front) house shown as 'completely redone'; secondary house on the lot is assumed not to be the primary rental unit unless the landlord intends to rent it separately.",
"Kitchen and bathrooms were not photographed; I assume fixtures are present and functional or easily repairable given the advertised full renovation of the main unit.",
"Smoke/CO detectors, GFCI outlets, water heater and electrical panel locations were not shown — scored as 'unknown' and deducted for inspection risk; these items likely need verification or minor installs.",
"Roof shows no visible active leaks or sagging in photos; assume roof is serviceable but age is unknown.",
"HVAC system is present and operational (outdoor condenser visible and interior vent/register present) but no service records are available.",
"Retaining wall staining implies prior moisture exposure — assume no active major structural failure but recommend further evaluation."
],
"overall_score": 69.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "990 Bluff St, Bessemer, AL, 35020",
"aggregate": {
"summary": "Primary house appears largely renovated and likely able to pass an initial HCV/NSPIRE inspection after verification of smoke/CO detectors, GFCI protection in wet areas, confirmed egress windows in bedrooms, and basic systems testing (hot water, HVAC, electrical panel). The property’s exterior and site need modest cleanup and some repair (rusted carport posts, concrete spalling, slope/erosion control). The detached secondary structure is in poor condition and would require substantial rehab if it’s to be used as a rental unit; if only the main house is rented, that secondary house is a non-critical deferment but should be made safe or removed. Estimated time-to-rent (main house only) with targeted fixes: 1–4 weeks for detector/GFCI installs and systems verification; longer if roof, plumbing, or panel work is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 77.0,
"rationale": "Main/primary house exterior and visible interior living area appear recently renovated: fresh paint, new-looking flooring, recessed lighting and trim. Carport and support posts show surface rust and some wear. Exterior stairs/retaining walls show staining and minor concrete spalling. Landscaping is rough (fresh mulch, uneven ground). Secondary detached structure on the same parcel is in visibly poor condition (peeling siding, worn steps) and will need significant rehab if rented or used, but the main unit appears largely cosmetic-complete. Missing kitchen/bath photos — absence of visible appliances reduces score modestly."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and lot condition",
"score": 60.0,
"rationale": "Primary dwelling exterior painted and generally intact; brick foundation looks stable with vents present. Driveway and walkways serviceable though stained and showing minor spalling. Yard is heavily sloped in places and recently cleared (wood chips/mulch) — erosion and drainage should be checked. Detached secondary house and an older shed/trailer show clear neglect and peeling paint; debris and remnants near rear retaining wall noted. These site items will need cleanup and repair if they affect safe access or create fall/infestation hazards."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 66.7,
"rationale": "No exposed wiring, no visible major trip hazards, entry doors look serviceable and have a screen/lock; exterior stair to yard has a handrail. No visible ceiling/foundation collapse or active roof sag. However: smoke and CO detectors are not visible in photos and must be verified/installed; GFCI outlets in kitchen/bath not visible; bedroom egress and window dimensions not confirmed from photos. The carport posts show rust (not immediate life-threatening but should be evaluated). Overall moderate risk until detectors, egress, and GFCI are confirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 68.3,
"rationale": "Exterior A/C condenser present (indicates central HVAC likely). Interior vents visible at floor. Roof shingles visually intact with no obvious sag or leak staining but show age — age/remaining life unknown. Electrical panel, water heater, and plumbing fixtures are not shown; hot water and plumbing operation not confirmed. Drainage around the house appears acceptable but slope/erosion on the lot should be monitored. Because system components are plausible but unconfirmed, score reflects likely operable but requires verification/testing."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Photos represent current condition of the primary dwelling; interior photos limited to a single living room image—kitchen and bathrooms not shown.",
"Primary house has central HVAC because an exterior condenser is visible; system operation has not been tested.",
"No smoke or carbon monoxide detectors are visible in photos; assume they are not installed or not shown and will need verification/installation.",
"Electrical panel, water heater, plumbing fixtures, and GFCI outlets are not visible and their condition is unknown.",
"The secondary detached structure is on the same parcel and is not assumed to be part of the rental unit for an HCV inspection of the main house, but its poor condition could create exterior/site issues.",
"No evidence of active roof leaks, structural sagging, or collapsed ceilings seen in provided images; such conditions would reduce scores if present on inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 69.4,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8541060878"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.