Property ID: 8548918246
2617 Avenue K, Birmingham, AL, 35218
Birmingham, AL
Money Down: $28,080
CoC Return: 7.61%
Monthly Cash Flow: $178
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,400
Closing Costs
$4,680
Total Down
$28,080
Investment Snapshot
Purchase Price
$117,000
Money Down
$28,080
Cash-on-Cash Return
7.61%
Rent
$1,004
Monthly Cash Flow
$178
Annual Cash Flow
$2,137
Debt Service / Mo
$623
Property Tax / Mo
$59
Insurance / Mo
$43
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,004
Payment Standard
$1,419
Rent
$1,004
Insurance
$43
Property Tax
$59
Management
$100
Utilities Allowance
$415
NOI (Monthly)
$801
Debt Service
$623
Cash Flow After Debt
$178
Quality Score: 65.00%
Confidence: 94.00%
Overall the property appears to be a mostly renovated bungalow that is likely close to Section 8 / HCV ready but requires several targeted fixes. Primary concerns visible from photos are an open crawlspace access, cracked/uneven front walkway (trip hazard), weathered/stability concerns with stair railings, some exterior trim/paint deterioration, and aged roof shingles. Listing claims updated systems and recent rental activity supports readiness, but on-site verification of smoke/CO detectors, GFCI, HVAC operation, hot water, secure crawlspace cover, and correcting the trip/rail hazards will likely be required before passing an initial NSPIRE/HCV inspection. Estimated overall readiness: minor-to-moderate repairs; likely rent-ready within 30 days if claimed interior/system updates are confirmed and the visible exterior safety items are corrected.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$415
Guaranteed Section 8 Rent (PS - Utilities)
$1,004
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$117,000
Beds
3
Baths
2
Living Area
1,046 sqft
Lot Size
6,534 sqft
Year Built
1940
Days on Market
11
Capital Outlay
$28,080
Debt Service
$623
Property Tax / Mo
$59
Insurance / Mo
$43
Property Description
Completely renovated bungalow in Ensley. Updates include new flooring, fresh paint, modern fixtures, and updated systems throughout. Renovated kitchen with new solid surface countertops and vent fan. One new bath added and one bath renovated. alley access, Convenient location next to Ensley community center and park. Move-in ready-don't miss this opportunity!
Utility Allowances
Heating
$0
The property listing explicitly states 'Heating Features: No Heat'.
Cooling
$0
The property listing explicitly states 'Cooling Features: No Air'.
Water Heating (Elec: Ala Power)
$56
The property has an electric water heater. Alabama Power is the primary electric provider for Birmingham and the most expensive electric option.
Cooking (Elec: Ala Power)
$21
Fuel type is not specified. Electric cooking is assumed as the water heater is electric. Alabama Power is the primary provider for Birmingham and the most expensive electric option.
Other Electric (Lights, Ref, Etc.: Ala Power)
$68
This is a standard utility. Alabama Power is selected as the primary electric provider for Birmingham and is the most expensive option.
Water (Water: Birmingham)
$78
The property listing specifies 'Public Water' and is located in Birmingham.
Sewer
$151
The property listing specifies 'Sewer: Connected'. The allowance is a fixed rate from the schedule for a 3-bedroom unit.
Trash Collection (Tarrant City ISCL)
$27
Trash collection is a standard utility. As a specific provider for Birmingham is not listed, 'Tarrant City ISCL' was selected as a plausible high-cost option.
Refrigerator
$8
The property listing does not mention a refrigerator, so it is assumed to be tenant-provided.
Range/Microwave
$6
The property listing does not mention a microwave, so it is assumed to be tenant-provided.
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$397
DP3 Annual Estimate$643
DP1 Monthly Equivalent$33
DP3 Monthly Equivalent$54
Replacement Value$31,700
Basis1,046 sqft / 1940
Nearby Houses
Photo unavailable
2604 Avenue L
sold · 0.04 mi
Price: $57,500
2 bd / 1 ba · 1,088 sqft
Latest sale: $57,500 on Feb 18, 2025
Latest rent: —
Photo unavailable
2618 Avenue K
sold · 0.04 mi
Price: $52,000
3 bd / 2 ba · 1,344 sqft
Latest sale: $52,000 on Sep 10, 2021
Latest rent: —
Photo unavailable
2600 Avenue L
sold · 0.05 mi
Price: $82,750
2 bd / 1 ba · 988 sqft
Latest sale: $82,750 on Jun 17, 2025
Latest rent: $1,000 on Dec 10, 2025
Photo unavailable
2521 Avenue K
sold · 0.06 mi
Price: $18,500
3 bd / 2 ba · 1,014 sqft
Latest sale: $18,500 on Oct 24, 2019
Latest rent: $1,250 on Jul 17, 2025
Photo unavailable
2623 Avenue J
sold · 0.07 mi
Price: $40,000
3 bd / 1 ba · 1,540 sqft
Latest sale: $40,000 on Aug 15, 2025
Latest rent: —
Photo unavailable
2712 Avenue K
sold · 0.07 mi
Price: $32,000
2 bd / 1 ba · 858 sqft
Latest sale: $32,000 on Mar 14, 2025
Latest rent: —
Photo unavailable
2601 Avenue J
sold · 0.08 mi
Price: $40,000
3 bd / 2 ba · 2,072 sqft
Latest sale: $40,000
Latest rent: —
Photo unavailable
2518 Avenue K
sold · 0.08 mi
Price: $26,900
2 bd / 1 ba · 1,008 sqft
Latest sale: $26,900 on Jun 19, 2020
Latest rent: $875 on Jul 10, 2025
Photo unavailable
2501 Avenue K
sold · 0.11 mi
Price: $45,000
3 bd / 1 ba · 1,276 sqft
Latest sale: $45,000 on Feb 28, 2019
Latest rent: —
Photo unavailable
2608 Avenue J
sold · 0.11 mi
Price: $21,000
3 bd / 1 ba · 1,176 sqft
Latest sale: $21,000 on Jan 20, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Open/uncovered crawlspace access at rear — pest/moisture and egress concern
- Cracked and uneven front walkway creating a trip hazard
- Deteriorated/low/possibly insecure stair railings at front and rear steps
- Loose/untidy exterior cabling near service panel (potential electrical/code issue)
- Aged roof shingles with staining — may be near end of service life
Assumptions
- Interior renovations, new flooring, and updated systems referenced in the listing are accurate (smoke detectors, plumbing, HVAC and electrical work completed).
- There is functional heating/cooling and hot water equipment even though no exterior condenser or water heater is visible in supplied photos.
- No active roof leaks or interior ceiling damage exist since none are visible from exterior photos; roof is aged but not actively failing.
- Windows are operable and provide required egress in bedrooms unless interior evidence proves otherwise.
- Electrical panel and service are operational despite some loose external cabling visible in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-08-08 | Sold | $60,000 |
| 2024-11-07 | Sold | $52,000 |
| 2020-09-16 | Sold | $44,850 |
| 2016-10-14 | Sold | $39,000 |
| 2015-05-26 | Sold | $10,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-01-12 | Listed for rent | $900 | — |
| 2015-08-19 | Listed for rent | $700 | — |
Photo Gallery
Show raw JSON (debug)
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{
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{
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{
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{
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{
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{
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{
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{
"date": "2016-03-30",
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"days_after_listed": "12 days",
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{
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{
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},
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},
"processing_status": {
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"min_score": 60.0,
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},
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"home_photo": "https://ap.rdcpix.com/4ef34423a6e809c5ec570313b1f6450bl-m19204540s-w1280.jpg",
"rent_price": 1004.0,
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2617-Avenue-K_Birmingham_AL_35218_M85489-18246",
"bedroom_count": 3,
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{
"note": "The property listing explicitly states 'Heating Features: No Heat'.",
"utility": "Heating",
"allowance": 0
},
{
"note": "The property listing explicitly states 'Cooling Features: No Air'.",
"utility": "Cooling",
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},
{
"note": "The property has an electric water heater. Alabama Power is the primary electric provider for Birmingham and the most expensive electric option.",
"utility": "Water Heating (Elec: Ala Power)",
"allowance": 56
},
{
"note": "Fuel type is not specified. Electric cooking is assumed as the water heater is electric. Alabama Power is the primary provider for Birmingham and the most expensive electric option.",
"utility": "Cooking (Elec: Ala Power)",
"allowance": 21
},
{
"note": "This is a standard utility. Alabama Power is selected as the primary electric provider for Birmingham and is the most expensive option.",
"utility": "Other Electric (Lights, Ref, Etc.: Ala Power)",
"allowance": 68
},
{
"note": "The property listing specifies 'Public Water' and is located in Birmingham.",
"utility": "Water (Water: Birmingham)",
"allowance": 78
},
{
"note": "The property listing specifies 'Sewer: Connected'. The allowance is a fixed rate from the schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash collection is a standard utility. As a specific provider for Birmingham is not listed, 'Tarrant City ISCL' was selected as a plausible high-cost option.",
"utility": "Trash Collection (Tarrant City ISCL)",
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},
{
"note": "The property listing does not mention a refrigerator, so it is assumed to be tenant-provided.",
"utility": "Refrigerator",
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},
{
"note": "The property listing does not mention a microwave, so it is assumed to be tenant-provided.",
"utility": "Range/Microwave",
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}
],
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"runs": [
{
"summary": "Overall the property appears to be a mostly renovated bungalow that is likely close to Section 8 / HCV ready but requires several targeted fixes. Primary concerns visible from photos are an open crawlspace access, cracked/uneven front walkway (trip hazard), weathered/stability concerns with stair railings, some exterior trim/paint deterioration, and aged roof shingles. Listing claims updated systems and recent rental activity supports readiness, but on-site verification of smoke/CO detectors, GFCI, HVAC operation, hot water, secure crawlspace cover, and correcting the trip/rail hazards will likely be required before passing an initial NSPIRE/HCV inspection. Estimated overall readiness: minor-to-moderate repairs; likely rent-ready within 30 days if claimed interior/system updates are confirmed and the visible exterior safety items are corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show recently painted siding and generally intact exterior finish consistent with listing's 'renovated' claim. Observable deferred/cosmetic items: peeling paint at window trim, torn screen/mesh and scattered debris at rear, cracked/uneven front walkway, weathered front/back stair railings and worn steps. No interior photos to confirm appliances or flooring; listing states new finishes and fixtures. Missing interior evidence reduces confidence but visible defects are mostly cosmetic/medium-effort repairs. Missing appliances not observed; if absent they would be moderate fixes but not catastrophic."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Visible potential safety issues: open/uncovered crawlspace access at rear (pest/moisture entry and egress concern), cracked/uneven walkway (trip hazard), deteriorated/low railings at front/back steps (handrail/graspability concerns). Exterior electrical meter and service appear in place but there are loose/oversized exterior cables and a section of torn mesh near electrical area — potential electrical/code attention required. Roof shows dark streaking/aging shingles but no obvious sag or collapse. No interior images to verify smoke/CO detectors, GFCI protection, hot water, or bedroom egress windows; listing's 'updated systems' suggests detectors present but this is an assumption. These items create inspection risks that are likely fixable before inspection but need attention."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 65.0,
"rationale": "Electrical service and exterior meter are present and exterior panel appears intact in photos. Roof shingles look aged with staining and may be nearing end-of-life — no visible active leak or sag but replacement could be required in short term. No outdoor HVAC condenser is visible in supplied photos (could be on opposite side or inside), listing claims 'updated systems' which suggests HVAC and plumbing work were done; without interior or side-yard photos HVAC, water heater and plumbing operation cannot be independently confirmed. Crawlspace access open may affect plumbing and HVAC components below the house. Overall systems likely updated but verification required at inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Siding appears in decent condition and house has alley access. Yard is unkempt with scattered debris. Front walkway is cracked and uneven producing trip hazards. Crawlspace opening is uncovered and visible which raises pest/moisture and ventilation concerns. Window frames show wear and paint failure in places. No clear evidence of major foundation movement or large exterior structural cracks, but some foundation vent openings and missing crawlspace cover observed. Overall the exterior is serviceable but needs cleanup and minor repairs to meet NSPIRE expectations for safe, sanitary ingress/egress and pest resistance."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Occupancy (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Open/uncovered crawlspace access at rear — pest/moisture and egress concern",
"Cracked and uneven front walkway creating a trip hazard",
"Deteriorated/low/possibly insecure stair railings at front and rear steps",
"Loose/untidy exterior cabling near service panel (potential electrical/code issue)",
"Aged roof shingles with staining — may be near end of service life"
],
"confidence": 0.6,
"assumptions": [
"Interior renovations, new flooring, and updated systems referenced in the listing are accurate (smoke detectors, plumbing, HVAC and electrical work completed).",
"There is functional heating/cooling and hot water equipment even though no exterior condenser or water heater is visible in supplied photos.",
"No active roof leaks or interior ceiling damage exist since none are visible from exterior photos; roof is aged but not actively failing.",
"Windows are operable and provide required egress in bedrooms unless interior evidence proves otherwise.",
"Electrical panel and service are operational despite some loose external cabling visible in photos."
],
"overall_score": 65.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this property appears to be a mostly renovated bungalow that is likely close to Section 8 / NSPIRE-ready. The listing claims comprehensive interior updates and photos show an intact exterior envelope without obvious structural failure. Primary issues visible from photos that could cause inspection concerns are deteriorated/unstable front stoop handrails and steps, an open/uncovered crawlspace access, cracked/uneven walkway surfaces (trip hazards), and some disorganized exterior wiring. If interior smoke/CO detectors, GFCIs and heating/HW systems are present as the listing indicates, the unit should be able to pass an initial HCV inspection after 1–3 weeks of targeted repairs (secure/repair handrails and steps, cover/seal crawlspace, repair walkway, tidy wiring).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show a recently painted/rehabbed appearance consistent with the listing's claim of a full renovation (new flooring, paint, modern fixtures). Visible items needing repair are limited to exterior trim and window paint failure, loose debris in yard, cracked front walkway, and deteriorated/uneven front stoop steps and railings. Crawlspace access appears open/missing a proper cover. No evidence of collapsed ceilings, major structural deflection, or large-scale exterior damage in photos. Missing interior photos prevent confirming internal cosmetic issues, but listing asserts updates. Overall condition looks cosmetically improved with a handful of small-to-moderate exterior repairs required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Visible safety concerns: front stoop/handrails appear deteriorated and partially unstable (trip/fall hazard). Sidewalk and walkway have cracks and offsets (trip hazard). Crawlspace opening is exposed which is a safety/pest entry concern. Exterior electrical service and meter are present and the main panel appears mounted and closed, but exterior wiring/cabling across siding looks disorganized. No interior images to verify required NSPIRE items (smoke/CO detectors, GFCIs, hot water, operable egress windows). The listing states 'updated systems' and 'move-in ready', so it is reasonable to assume detectors and GFCIs were addressed, but because they are not visible, this remains an inspection risk. Taken together these issues produce a moderate safety risk that should be straightforward to remediate pre-inspection (repair/secure handrails, cover crawlspace, address walkway)."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Electrical service and meter are visible and look intact from exterior photos. Roof shows aged shingles with dark streaking/staining but no visible sagging or missing large areas; chimney intact. No exterior HVAC condenser is visible in photos (could be located out of frame), but the listing text explicitly says 'updated systems throughout' which supports a presumption that HVAC, water heater and plumbing were updated. Crawlspace access could affect HVAC/plumbing condition if not properly sealed. Because major systems are claimed as updated and no obvious catastrophic failures are visible, the score is moderately high but tempered by unknowns (roof age, no visible condenser, open crawlspace)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Siding and paint appear in generally good condition and consistent with a recent renovation. Yard is unkempt with scattered debris. Walkway and sidewalk show cracking and uneven sections (trip hazards). Crawlspace opening is uncovered. Small sections of trim and window sash show paint deterioration and older windows may need maintenance. Drainage elements (gutters/downspouts) are not clearly visible; no standing water observed in photos. Overall the building envelope looks intact but site maintenance and a few exterior repairs are required to reach NSPIRE-ready condition."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Occupancy (last 5y) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Broken/loose front handrail and deteriorated front stoop steps (unsafe stairs/handrail).",
"Open/uncovered crawlspace access (potential pest entry, moisture/access issue).",
"Cracked/uneven public sidewalk and front walkway creating trip hazards."
],
"confidence": 0.7,
"assumptions": [
"Interior renovation work listed (new flooring, paint, fixtures, renovated/new baths, vent fan) was completed and is in serviceable condition.",
"Smoke detectors and carbon monoxide detectors (where required) were installed during the renovation, but they were not visible in exterior photos.",
"Kitchen and bathroom plumbing and hot water are operational given the 'updated systems' claim; specific appliance presence (stove, refrigerator) cannot be confirmed from photos.",
"HVAC and water heater were updated as stated in listing; absence of visible exterior condenser in provided photos does not mean no HVAC is present (unit may be located out of frame).",
"Electrical panel is intact and serviceable as it appears closed in the photos; no live electrical hazard is visible from exterior images."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on the listing and exterior photos, this 3-bed, 2-bath bungalow appears largely renovated inside per the listing and shows mostly cosmetic exterior issues. Key inspection risks observed: an uncovered crawlspace opening, loose/exposed exterior wiring, and deteriorated porch railings and cracked walkway (trip hazard). Systems are reported updated but not visually confirmed (no exterior HVAC condenser or interior photos). With targeted repairs (secure crawlspace/skirting, repair/secure wiring, replace/secure handrails, fix walkway and trim) this property is likely to pass an initial Section 8 / NSPIRE inspection within 30 days. Current overall readiness is moderate — likely rent-ready after addressing the listed safety/code items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show generally intact siding and fresh paint but multiple cosmetic and small repair items: dented/warped siding at front, peeling paint on window trim, loose/missing skirting at crawlspace, scattered debris in yard, and weathered porch railings. Listing states 'completely renovated' with new flooring, paint, fixtures and updated systems which suggests interior cosmetics and major appliance presence are likely addressed. Missing or worn exterior trim and railings are easy-to-fix, capital items rather than structural failures, so condition is mostly cosmetic with moderate deferred exterior repairs."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 55.0,
"rationale": "Photos reveal several safety/compliance concerns: uncovered/open crawlspace access (hole) under rear that is an entry/pest and safety risk; loose/exposed exterior cable/wiring visible along siding and at the meter area which could represent an electrical hazard; rear and front porch railings appear weathered and at least partially loose (potential unsafe stairs/handrail issue). No evidence of smoke/CO detectors, GFCI outlets, or interior safety devices in photos (assumed present per renovation, but not verified). Windows appear to be original multi-pane style — bedroom egress likely but not verified. These observed exterior hazards lower the safety score; most are repairable but must be corrected before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Listing claims 'updated systems throughout.' Exterior evidence: electrical meter and service present and appears connected, roof shingles appear aged with staining but no visible structural sagging or collapsed areas in photos, chimney intact. No exterior HVAC condenser is visible in photos (could be located rear or not shown) and no water heater/HVAC equipment photos provided. Crawlspace access is open which can affect plumbing and mechanical components under the house. Given the listing statement and visible service connection, systems likely functional but not fully verifiable from photos; therefore score is moderate with a need to confirm heating/cooling, hot water, plumbing leaks, and electrical safety."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Lot and site appear typical for neighborhood: level yard, alley access mentioned in listing. However sidewalk slabs and the walkway from sidewalk to front stoop are cracked/uneven (trip hazard). Yard has debris and detached vent/screen on the ground. Siding and roof show normal age-related wear; one area of siding appears dented or bowed at the front entry. Foundation perimeter shows a crawlspace opening and missing skirting which should be secured. No obvious standing water or severe foundation displacement visible in the photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Open/uncovered crawlspace access (hole) under rear of house - pest/entry and inspection failure risk",
"Loose/exposed exterior wiring/cable near meter and siding - potential electrical hazard",
"Deteriorated/loose porch railings and steps (unsafe stairs/handrail issue)",
"Cracked/uneven front walkway and sidewalk creating trip hazards"
],
"confidence": 0.6,
"assumptions": [
"Interior renovations and updated appliances/systems stated in the listing are present and functional (kitchen, baths, fixtures).",
"Smoke and carbon monoxide detectors, GFCI protection, and working plumbing/hot water were likely installed during renovation but are not visible in exterior photos and must be verified.",
"No active roof leaks or structural sagging exist (roof shows age/staining but no visible collapse in photos).",
"Heating and cooling system is present and operational despite no exterior condenser visible in provided photos (could be inside or on other side of house).",
"Windows provide required bedroom egress or were updated during renovation; this must be confirmed on interior inspection.",
"Electrical service is intact (meter present) but some exterior wiring/cable is loose and needs securing; no evidence of immediate fire-damage or burned components was observed."
],
"overall_score": 68.0,
"rubric_version": "2026-02-16_nsipre_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2617 Avenue K, Birmingham, AL, 35218",
"aggregate": {
"summary": "Overall the property appears to be a mostly renovated bungalow that is likely close to Section 8 / HCV ready but requires several targeted fixes. Primary concerns visible from photos are an open crawlspace access, cracked/uneven front walkway (trip hazard), weathered/stability concerns with stair railings, some exterior trim/paint deterioration, and aged roof shingles. Listing claims updated systems and recent rental activity supports readiness, but on-site verification of smoke/CO detectors, GFCI, HVAC operation, hot water, secure crawlspace cover, and correcting the trip/rail hazards will likely be required before passing an initial NSPIRE/HCV inspection. Estimated overall readiness: minor-to-moderate repairs; likely rent-ready within 30 days if claimed interior/system updates are confirmed and the visible exterior safety items are corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Exterior photos show recently painted siding and generally intact exterior finish consistent with listing's 'renovated' claim. Observable deferred/cosmetic items: peeling paint at window trim, torn screen/mesh and scattered debris at rear, cracked/uneven front walkway, weathered front/back stair railings and worn steps. No interior photos to confirm appliances or flooring; listing states new finishes and fixtures. Missing interior evidence reduces confidence but visible defects are mostly cosmetic/medium-effort repairs. Missing appliances not observed; if absent they would be moderate fixes but not catastrophic."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 61.7,
"rationale": "Siding appears in decent condition and house has alley access. Yard is unkempt with scattered debris. Front walkway is cracked and uneven producing trip hazards. Crawlspace opening is uncovered and visible which raises pest/moisture and ventilation concerns. Window frames show wear and paint failure in places. No clear evidence of major foundation movement or large exterior structural cracks, but some foundation vent openings and missing crawlspace cover observed. Overall the exterior is serviceable but needs cleanup and minor repairs to meet NSPIRE expectations for safe, sanitary ingress/egress and pest resistance."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Occupancy (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 58.3,
"rationale": "Visible potential safety issues: open/uncovered crawlspace access at rear (pest/moisture entry and egress concern), cracked/uneven walkway (trip hazard), deteriorated/low railings at front/back steps (handrail/graspability concerns). Exterior electrical meter and service appear in place but there are loose/oversized exterior cables and a section of torn mesh near electrical area — potential electrical/code attention required. Roof shows dark streaking/aging shingles but no obvious sag or collapse. No interior images to verify smoke/CO detectors, GFCI protection, hot water, or bedroom egress windows; listing's 'updated systems' suggests detectors present but this is an assumption. These items create inspection risks that are likely fixable before inspection but need attention."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 65.0,
"rationale": "Electrical service and exterior meter are present and exterior panel appears intact in photos. Roof shingles look aged with staining and may be nearing end-of-life — no visible active leak or sag but replacement could be required in short term. No outdoor HVAC condenser is visible in supplied photos (could be on opposite side or inside), listing claims 'updated systems' which suggests HVAC and plumbing work were done; without interior or side-yard photos HVAC, water heater and plumbing operation cannot be independently confirmed. Crawlspace access open may affect plumbing and HVAC components below the house. Overall systems likely updated but verification required at inspection."
}
],
"red_flags": [
"Open/uncovered crawlspace access at rear — pest/moisture and egress concern",
"Cracked and uneven front walkway creating a trip hazard",
"Deteriorated/low/possibly insecure stair railings at front and rear steps",
"Loose/untidy exterior cabling near service panel (potential electrical/code issue)",
"Aged roof shingles with staining — may be near end of service life"
],
"confidence": 0.94,
"assumptions": [
"Interior renovations, new flooring, and updated systems referenced in the listing are accurate (smoke detectors, plumbing, HVAC and electrical work completed).",
"There is functional heating/cooling and hot water equipment even though no exterior condenser or water heater is visible in supplied photos.",
"No active roof leaks or interior ceiling damage exist since none are visible from exterior photos; roof is aged but not actively failing.",
"Windows are operable and provide required egress in bedrooms unless interior evidence proves otherwise.",
"Electrical panel and service are operational despite some loose external cabling visible in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 65.0,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8548918246"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.