Property ID: 8541212420
616 Camp Cir, Birmingham, AL, 35215
Birmingham, AL
Money Down: $28,560
CoC Return: 10.68%
Monthly Cash Flow: $254
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,800
Closing Costs
$4,760
Total Down
$28,560
Investment Snapshot
Purchase Price
$119,000
Money Down
$28,560
Cash-on-Cash Return
10.68%
Rent
$1,223
Monthly Cash Flow
$254
Annual Cash Flow
$3,050
Debt Service / Mo
$633
Property Tax / Mo
$137
Insurance / Mo
$76
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,223
Payment Standard
$1,738
Rent
$1,223
Insurance
$76
Property Tax
$137
Management
$122
Utilities Allowance
$515
NOI (Monthly)
$888
Debt Service
$633
Cash Flow After Debt
$254
Quality Score: 62.70%
Confidence: 94.00%
This 3BR/1BA cottage appears functionally sound with mostly cosmetic and minor repair needs. Kitchen appliances present; floors, ceilings and exterior siding show wear but no apparent structural failure in the photos. The main inspection risks are missing/undocumented smoke and CO detectors, likely absence of GFCI protection in kitchen, a displaced drop ceiling tile (possible prior leak), and gutters clogged with debris. With targeted small-scope repairs and verification of mechanical systems (HVAC, water heater, electrical panel) this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. Address smoke/CO alarms, GFCI, secure/repair porch railings and clear gutters before inspection to reduce re-inspect risk.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$1,223
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,000
Beds
3
Baths
1
Living Area
1,243 sqft
Lot Size
15,682 sqft
Year Built
1953
Days on Market
74
Capital Outlay
$28,560
Debt Service
$633
Property Tax / Mo
$137
Insurance / Mo
$76
Property Description
Cute cottage on a quiet street. Unique lighting features in the kitchen and dining area. Home has 3 bedrooms and 1 bath. Ceiling fans in bedrooms. Three covered outside areas to relax or entertain.
Utility Allowances
Cooking
$21
Property has an electric stove. Selected 'Elec: Ala Power' as the most common and expensive electric provider option for a 3-bedroom unit.
Heating
$93
Property has central heating, inferred to be electric based on the presence of an electric water heater and stove, and no mention of gas service. Selected 'Elec Heat: Ala Power' as the most common and expensive electric provider option for a 3-bedroom unit.
Cooling
$22
Property has central air conditioning. Selected 'A/C: Alabama Power' as the most common and expensive electric provider option for a 3-bedroom unit.
Water Heating
$56
Property has an electric water heater. Selected 'Elec: Ala Power' as the most common and expensive electric provider option for a 3-bedroom unit.
Other Electric
$68
Covers standard tenant electric usage for lights and other plug-in appliances. Selected 'Lights, Ref, Etc.: Ala Power' as the most common and expensive electric provider option for a 3-bedroom unit.
Water
$78
Property has public water. Selected 'Water: Birmingham' as it directly matches the property's city for a 3-bedroom unit.
Sewer
$151
Property is connected to a public sewer service. Allowance is based on the fixed rate for a 3-bedroom unit from the schedule.
Trash Collection
$20
Assumed tenant responsibility for trash service in a single-family home. Selected 'Jefferson City (Once per week)' as the most applicable generic option for Birmingham in Jefferson County.
Refrigerator
$0
The property includes a refrigerator, so the tenant does not provide their own. The allowance for a tenant-owned appliance is $0.
Range/Microwave
$6
A microwave is not listed as a provided appliance. This allowance covers a tenant-owned microwave.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$754
DP3 Annual Estimate$1,068
DP1 Monthly Equivalent$63
DP3 Monthly Equivalent$89
Replacement Value$98,000
Basis1,243 sqft / 1953
Nearby Houses
Photo unavailable
405 Dalton Dr
sold · 0.04 mi
Price: $85,000
3 bd / 1 ba · 1,080 sqft
Latest sale: $85,000 on Aug 10, 2020
Latest rent: —
Photo unavailable
607 Camp Cir
sold · 0.07 mi
Price: $160,000
3 bd / 2 ba · 1,740 sqft
Latest sale: $160,000 on Feb 27, 2025
Latest rent: —
Photo unavailable
416 Dalton Dr
sold · 0.08 mi
Price: $61,750
2 bd / 1 ba · 1,808 sqft
Latest sale: $61,750 on Feb 14, 2020
Latest rent: —
Photo unavailable
400 Dalton Dr
sold · 0.08 mi
Price: $122,000
3 bd / 1 ba · 1,011 sqft
Latest sale: $122,000 on Mar 03, 2022
Latest rent: $865 on Aug 07, 2019
Photo unavailable
500 Robison Dr
sold · 0.08 mi
Price: $100,000
3 bd / 1 ba · 972 sqft
Latest sale: $100,000 on Oct 10, 2023
Latest rent: $1,350 on Nov 10, 2023
Photo unavailable
601 Camp Cir
sold · 0.08 mi
Price: $46,000
3 bd / 1 ba · 1,038 sqft
Latest sale: $46,000 on Jun 13, 2019
Latest rent: $1,200 on Jun 10, 2025
Photo unavailable
429 Dalton Dr
sold · 0.09 mi
Price: $54,900
2 bd / 1 ba · 960 sqft
Latest sale: $54,900 on Feb 10, 2017
Latest rent: —
Photo unavailable
409 Price Dr
sold · 0.10 mi
Price: $71,000
4 bd / 1 ba · 1,320 sqft
Latest sale: $71,000 on Apr 13, 2020
Latest rent: $850 on Feb 22, 2018
Photo unavailable
413 Price Dr
sold · 0.10 mi
Price: $107,000
3 bd / 1 ba · 1,092 sqft
Latest sale: $107,000 on Feb 24, 2023
Latest rent: $750 on May 14, 2015
Risk and Criteria Detail
Red Flags
- success
- No smoke detectors visible in photos (required)
- No carbon monoxide detector visible (required where applicable)
- Displaced/drop ceiling tile — potential past water intrusion that requires verification
- Gutters and roof edges clogged with leaves (drainage/roofing risk)
- Potential lack of GFCI protection in kitchen (outlet near sink not visibly GFCI)
- Porch/handrail paint peeling and potential fastening issues; trip hazard from leaves and walkway cracks
Assumptions
- Utilities (electricity, water) are available and operational at time of inspection; photos show powered thermostat/security display but actual operation not confirmed.
- Central HVAC exists (thermostat present) and is operable, though outdoor unit and service status are not shown.
- Water heater and electrical distribution panel exist but were not photographed; assume accessible and not visibly damaged.
- No active roof leak at time of photos; displaced ceiling tile may indicate prior leak but no active staining/large wet areas visible in images.
- Smoke detectors and carbon monoxide detectors are not present or not visible in the provided photos and should be considered missing until confirmed.
- Kitchen appliances (fridge, electric range) are present and assumed operable but should be function-tested prior to inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,599 | $115,000 | $23,000 |
| 2023 | $1,599 | $110,300 | $22,060 |
| 2022 | $1,448 | $99,900 | $19,980 |
| 2021 | $1,223 | $84,400 | $16,880 |
| 2020 | $1,223 | $84,400 | $16,880 |
| 2019 | $1,223 | $84,400 | $16,880 |
| 2018 | $1,045 | $72,100 | $14,420 |
| 2017 | $1,045 | $72,100 | $14,420 |
| 2013 | $1,003 | $71,100 | $14,220 |
| 2012 | $1,003 | $71,050 | $14,210 |
| 2011 | $1,017 | $72,100 | $14,420 |
| 2010 | $434 | $72,100 | $7,210 |
| 2009 | $434 | $72,100 | $7,210 |
| 2008 | $444 | $73,600 | $7,360 |
| 2007 | $439 | $72,800 | $7,280 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-03-05 | Sold | $110,000 |
| 2022-11-21 | Sold | $110,000 |
| 2010-09-16 | Sold | $28,000 |
| 2005-07-09 | Sold | $77,500 |
| 1998-07-15 | Sold | $61,000 |
Photo Gallery
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"insurance_monthly": 75.92,
"monthly_cash_flow": 887.54,
"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 an electric stove. Selected 'Elec: Ala Power' as the most common and expensive electric provider option for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property has central heating, inferred to be electric based on the presence of an electric water heater and stove, and no mention of gas service. Selected 'Elec Heat: Ala Power' as the most common and expensive electric provider option for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has central air conditioning. Selected 'A/C: Alabama Power' as the most common and expensive electric provider option for a 3-bedroom unit.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has an electric water heater. Selected 'Elec: Ala Power' as the most common and expensive electric provider option for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Covers standard tenant electric usage for lights and other plug-in appliances. Selected 'Lights, Ref, Etc.: Ala Power' as the most common and expensive electric provider option for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has public water. Selected 'Water: Birmingham' as it directly matches the property's city for a 3-bedroom unit.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is connected to a public sewer service. Allowance is based on the fixed rate for a 3-bedroom unit from the schedule.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Assumed tenant responsibility for trash service in a single-family home. Selected 'Jefferson City (Once per week)' as the most applicable generic option for Birmingham in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property includes a refrigerator, so the tenant does not provide their own. The allowance for a tenant-owned appliance is $0.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A microwave is not listed as a provided appliance. This allowance covers a tenant-owned microwave.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.45,
"down_payment_amount": 23800.0,
"property_tax_annual": 1646.97,
"property_tax_monthly": 137.25,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": 3050.01,
"property_management_monthly": 122.3,
"monthly_cash_flow_after_debt": 254.17,
"cash_on_cash_return_after_debt": 0.13
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/1BA cottage appears functionally sound with mostly cosmetic and minor repair needs. Kitchen appliances present; floors, ceilings and exterior siding show wear but no apparent structural failure in the photos. The main inspection risks are missing/undocumented smoke and CO detectors, likely absence of GFCI protection in kitchen, a displaced drop ceiling tile (possible prior leak), and gutters clogged with debris. With targeted small-scope repairs and verification of mechanical systems (HVAC, water heater, electrical panel) this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. Address smoke/CO alarms, GFCI, secure/repair porch railings and clear gutters before inspection to reduce re-inspect risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 65.0,
"rationale": "Interior and exterior show mainly cosmetic wear and localized deferred maintenance: painted but worn kitchen cabinets with missing trim, tile counters and trim with edge wear, new-looking LVP flooring but baseboard/trim gaps in places, leaves and debris on exterior steps and porch. Appliances (fridge and electric range) are present which reduces impact. No large areas of collapsed finishes visible. Repairs are mostly cosmetic and minor carpentry/paint work, plus clearing/cleaning. Estimated time to complete repairs: <30 days."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 55.0,
"rationale": "Photo set does not show any smoke detectors or carbon monoxide alarm — NSPIRE requires working smoke detectors and CO alarms where applicable; absence in photos is an inspection risk. Kitchen outlet GFCI protection not visible and likely non-GFCI near sink (risk). Porch and entry handrails exist but show peeling paint and may need fastening; exterior steps have leaf accumulation (trip/slip hazard). One suspended ceiling tile is displaced (possible previous water intrusion). No obvious exposed live wiring seen, windows appear operable for egress, entry door has a lock but deadbolt not visible in photos. These items are moderate inspection risks that can be corrected fairly quickly but must be addressed before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 60.0,
"rationale": "Thermostat and what looks like a security/automation display are present indicating a heating/cooling system likely exists, but no outdoor HVAC equipment or water heater shown. Electrical panel and water heater not visible in photos so their condition is unknown. Roof shows leaves and debris in gutters; no obvious large sag or active leak seen from interior photos but the displaced ceiling tile suggests prior roof or plumbing leak that needs confirmation. Stove is electric and appears intact. Given the unknowns but no visible catastrophic failures, score reflects moderate uncertainty and recommends system checks (HVAC functional test, water heater, electrical panel labeling, chimney/flue if fireplace to be used)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Siding appears intact with paint wear but no major structural damage visible. Foundation/vent openings visible and appear typical for a 1950s house; no major foundation cracks shown. Gutters are full of leaves and should be cleaned; roof edge has debris which can lead to drainage/roofing issues if not addressed. Front and rear porches and deck boards appear serviceable but need cleaning, paint and some railing fastening. Yard is fenced and appears usable. Walkway has surface cracking and leaf accumulation — trip hazard until cleared."
}
],
"red_flags": [
"No smoke detectors visible in photos (required)",
"No carbon monoxide detector visible (required where applicable)",
"Displaced/drop ceiling tile — potential past water intrusion that requires verification",
"Gutters and roof edges clogged with leaves (drainage/roofing risk)",
"Potential lack of GFCI protection in kitchen (outlet near sink not visibly GFCI)",
"Porch/handrail paint peeling and potential fastening issues; trip hazard from leaves and walkway cracks"
],
"confidence": 0.7,
"assumptions": [
"Utilities (electricity, water) are available and operational at time of inspection; photos show powered thermostat/security display but actual operation not confirmed.",
"Central HVAC exists (thermostat present) and is operable, though outdoor unit and service status are not shown.",
"Water heater and electrical distribution panel exist but were not photographed; assume accessible and not visibly damaged.",
"No active roof leak at time of photos; displaced ceiling tile may indicate prior leak but no active staining/large wet areas visible in images.",
"Smoke detectors and carbon monoxide detectors are not present or not visible in the provided photos and should be considered missing until confirmed.",
"Kitchen appliances (fridge, electric range) are present and assumed operable but should be function-tested prior to inspection."
],
"overall_score": 61.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Overall the house appears like a moderately maintained older cottage that could pass an initial HCV/NSPIRE inspection after a short list of targeted, primarily cosmetic and code-correction items. Highest priority for inspection readiness: install/verify hardwired/working smoke detectors and CO alarms (as required), install GFCI protection in kitchen/bath, secure and repair porch handrails/steps, clear gutters and replace/repair missing ceiling tiles where needed, and confirm HVAC, water heater and electrical panel operation. No evidence of structural failure, collapsed ceilings, active standing water, or major electrical hazards were seen in photos, but several systems were not photographed and should be verified on-site.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Cosmetic and finish-level repairs are the main issues. Kitchen cabinets and trim show peeling/finish wear, tile counters/backsplash and cabinet trim need attention, and some baseboard/threshold trim is missing. Porch decking and painted railings are weathered and need repainting/fastening. Appliances (stove and refrigerator) are present which reduces severity. No visible major structural damage in photos."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not visible or are likely non-compliant from photos: no smoke detectors or CO alarms are visible, and the kitchen does not show a GFCI-protected outlet near the sink (visible outlet appears non-GFCI). Front steps have railings but posts/rail finish are worn and should be checked for secure anchorage. Ceiling drop-tiles are missing/misaligned in one area which may indicate prior water intrusion. No obvious exposed live wiring or open breaker panel in photos, and bedroom windows appear adequate for egress. These are fixable but represent inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 60.0,
"rationale": "Thermostat is present indicating central HVAC exists, but no HVAC unit, water heater, or electrical panel photos were provided to confirm operation. Kitchen plumbing and sink are present; washer hookup visible but no laundry appliance. Roof appears intact in photos but gutters and roof valleys have leaf/debris buildup that should be cleared. No evidence of active standing water or collapsed ceilings, but missing ceiling tiles warrant a closer look for past leaks. Systems likely functional but unverified from supplied images."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Siding and foundation block appear generally intact with normal age-related wear. Walkway has surface cracking and yard is overgrown with leaf debris. Porch decking and railings need maintenance and paint; small shrubs encroach on walk path. Chain-link fence present in backyard. No visible major foundation movement, roof collapse, or standing water in photos."
}
],
"red_flags": [
"No visible/confirmed smoke detectors or CO alarms (NSPIRE typically fails without required detectors).",
"Kitchen appears to lack visible GFCI-protected outlet near sink (electrical safety/code risk).",
"Missing/misaligned ceiling tiles in interior room — possible past or current water intrusion that requires verification.",
"Porch/step railings are weathered and should be checked and secured (trip/fall risk)."
],
"confidence": 0.65,
"assumptions": [
"A central HVAC system exists and is controlled by the pictured thermostat; HVAC unit operation is unverified from photos.",
"Water heater and electrical service panel exist in the house but were not shown; their condition is unknown.",
"No smoke detectors or CO alarms were visible in photos; assume none or not shown and therefore must be verified/installed.",
"Kitchen plumbing appears intact; hot water availability is assumed but unverified.",
"No visible major foundation movement or roof failures in photos; assume no active structural failure unless an in-person inspection finds otherwise.",
"Age of house (1953) implies potential for lead-based paint under old painted surfaces; visible paint is not heavily flaking in living spaces photographed, but lead-risk assessment may be required if paint is disturbed."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/1BA cottage appears mostly structurally intact and cosmetically worn — appliances present and systems likely in place — but there are several moderate inspection risks (no visible smoke/CO detectors, unsecured/unfinished fixtures, exposed laundry hookup, aged roof gutters and displaced ceiling tiles). With targeted fixes (install/confirm detectors, secure lighting fixtures, finish laundry box, clean gutters, minor trim and paint) the property is likely to pass an initial HCV/NSPIRE inspection; estimate 2–6 weeks to resolve items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior and exterior show cosmetic wear (peeling paint on railings, leaves/debris in gutters, worn cabinet bottoms, missing/baseboard trim under cabinets). Major appliances (refrigerator and range) are present which reduces impact of missing-item risk. Ceiling tiles in one room are misaligned; trim and flooring generally intact. Overall mostly cosmetic and minor repairs/cleaning needed to be renter-ready."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "No visible smoke detectors or CO alarms in photos (likely required). Decorative hanging light in kitchen/dining appears hung from a chain attached to a screw/hook rather than a secure fixture canopy in at least one photo — inspector may flag as insecure electrical mounting. Laundry hookup box is exposed/missing proper cover and finish. Handrails and guardrails are present but paint/wear evident. No visible exposed live wiring or collapsed ceilings, and bedroom windows appear egress-sized, but lack of visible detectors and several unsecured/unfinished fixture areas create moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Thermostat/control panel present indicating HVAC likely installed, but no HVAC unit, water heater or electrical panel photos to confirm condition. Kitchen plumbing, sink and appliances present; laundry plumbing stub-out visible but unfinished. Roof shingles appear aged with gutter debris (risk for drainage issues) but no active roof collapse or interior leak stains obvious in most rooms; however some ceiling tiles displaced which could indicate a past leak that needs verification. Systems appear functionally present but largely unverified from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Siding and foundation appear intact with only surface staining and seam cracking in one corner. Concrete entry steps and porches are structurally present; wood porch decking and railings show paint wear and need refinishing. Yard and walkways need clean-up (leaf/debris accumulation) and gutters need clearing to reduce water intrusion risk. Chain-link fence in backyard visible and site shows no major visible pest or erosion issues."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photographed areas (NSPIRE fail if absent).",
"Decorative dining/kitchen light appears hung by a chain attached to a ceiling hook rather than a secure electrical box/canopy in at least one photo (potential electrical/fixture-mount hazard).",
"Exposed/unfinished laundry plumbing box and related wall opening (needs proper box/cover and secure connections).",
"Displaced/misaligned ceiling tiles in one room (possible past or current roof/water intrusion) — requires verification for active leak or water damage.",
"Gutters clogged with leaves and debris (drainage risk that can lead to foundation/roof issues if not cleared)."
],
"confidence": 0.65,
"assumptions": [
"HVAC exists and is functional based on presence of a thermostat/control panel shown in photos; no HVAC equipment photo was provided.",
"Hot water heater and main electrical panel are present but were not photographed; their condition is unknown.",
"Smoke detectors and CO alarms are not present in the photographed areas; they may exist in unseen rooms but should be treated as absent until verified.",
"Windows shown provide required bedroom egress (based on size/appearance) but exact dimensions were not measured.",
"Stove and refrigerator are assumed operable but functionality was not tested and should be verified prior to inspection.",
"The displaced ceiling tiles likely reflect past access or a repair area — potential past water intrusion — but no active large-scale interior water damage or collapsed ceilings observed in pictured rooms."
],
"overall_score": 64.0,
"rubric_version": "nsPIRE-2024-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "616 Camp Cir, Birmingham, AL, 35215",
"aggregate": {
"summary": "This 3BR/1BA cottage appears functionally sound with mostly cosmetic and minor repair needs. Kitchen appliances present; floors, ceilings and exterior siding show wear but no apparent structural failure in the photos. The main inspection risks are missing/undocumented smoke and CO detectors, likely absence of GFCI protection in kitchen, a displaced drop ceiling tile (possible prior leak), and gutters clogged with debris. With targeted small-scope repairs and verification of mechanical systems (HVAC, water heater, electrical panel) this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. Address smoke/CO alarms, GFCI, secure/repair porch railings and clear gutters before inspection to reduce re-inspect risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 67.7,
"rationale": "Interior and exterior show mainly cosmetic wear and localized deferred maintenance: painted but worn kitchen cabinets with missing trim, tile counters and trim with edge wear, new-looking LVP flooring but baseboard/trim gaps in places, leaves and debris on exterior steps and porch. Appliances (fridge and electric range) are present which reduces impact. No large areas of collapsed finishes visible. Repairs are mostly cosmetic and minor carpentry/paint work, plus clearing/cleaning. Estimated time to complete repairs: <30 days."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.3,
"rationale": "Siding appears intact with paint wear but no major structural damage visible. Foundation/vent openings visible and appear typical for a 1950s house; no major foundation cracks shown. Gutters are full of leaves and should be cleaned; roof edge has debris which can lead to drainage/roofing issues if not addressed. Front and rear porches and deck boards appear serviceable but need cleaning, paint and some railing fastening. Yard is fenced and appears usable. Walkway has surface cracking and leaf accumulation — trip hazard until cleared."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 55.0,
"rationale": "Photo set does not show any smoke detectors or carbon monoxide alarm — NSPIRE requires working smoke detectors and CO alarms where applicable; absence in photos is an inspection risk. Kitchen outlet GFCI protection not visible and likely non-GFCI near sink (risk). Porch and entry handrails exist but show peeling paint and may need fastening; exterior steps have leaf accumulation (trip/slip hazard). One suspended ceiling tile is displaced (possible previous water intrusion). No obvious exposed live wiring seen, windows appear operable for egress, entry door has a lock but deadbolt not visible in photos. These items are moderate inspection risks that can be corrected fairly quickly but must be addressed before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 60.0,
"rationale": "Thermostat and what looks like a security/automation display are present indicating a heating/cooling system likely exists, but no outdoor HVAC equipment or water heater shown. Electrical panel and water heater not visible in photos so their condition is unknown. Roof shows leaves and debris in gutters; no obvious large sag or active leak seen from interior photos but the displaced ceiling tile suggests prior roof or plumbing leak that needs confirmation. Stove is electric and appears intact. Given the unknowns but no visible catastrophic failures, score reflects moderate uncertainty and recommends system checks (HVAC functional test, water heater, electrical panel labeling, chimney/flue if fireplace to be used)."
}
],
"red_flags": [
"No smoke detectors visible in photos (required)",
"No carbon monoxide detector visible (required where applicable)",
"Displaced/drop ceiling tile — potential past water intrusion that requires verification",
"Gutters and roof edges clogged with leaves (drainage/roofing risk)",
"Potential lack of GFCI protection in kitchen (outlet near sink not visibly GFCI)",
"Porch/handrail paint peeling and potential fastening issues; trip hazard from leaves and walkway cracks"
],
"confidence": 0.94,
"assumptions": [
"Utilities (electricity, water) are available and operational at time of inspection; photos show powered thermostat/security display but actual operation not confirmed.",
"Central HVAC exists (thermostat present) and is operable, though outdoor unit and service status are not shown.",
"Water heater and electrical distribution panel exist but were not photographed; assume accessible and not visibly damaged.",
"No active roof leak at time of photos; displaced ceiling tile may indicate prior leak but no active staining/large wet areas visible in images.",
"Smoke detectors and carbon monoxide detectors are not present or not visible in the provided photos and should be considered missing until confirmed.",
"Kitchen appliances (fridge, electric range) are present and assumed operable but should be function-tested prior to inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 62.7,
"rubric_version": "nsPIRE-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8541212420"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.