Property ID: 8567040867
7815 4th Ave, Birmingham, AL, 35206
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$3,996
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$99,900
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: 60.30%
Confidence: 85.00%
Based on the single exterior photo, listing notes, and property snapshot, this 1926 single-family home appears structurally intact and mostly cosmetic in need of repair. Main visible issues are missing handrail on the front stairs and cracked/uneven front walkway (trip hazards) plus general landscaping and exterior cleaning/paint touch-ups. Major systems (HVAC, plumbing, electrical, hot water) and interior condition are not visible and should be verified, but there is no obvious catastrophic structural damage from the provided view. Likely outcome: moderate chance to pass an initial HCV/NSPIRE inspection after addressing handrail and trip-hazard repairs and verifying smoke/CO detectors and GFCI outlets; estimate rent-ready within ~30 days if no hidden system failures are found.
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
$99,900
Beds
3
Baths
2
Living Area
1,496 sqft
Lot Size
8,712 sqft
Year Built
1926
Days on Market
109
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Huge house but needs a little tlc. Investor special. Has 3 bedrooms, 2 baths, living room/dining room combo, eat in kitchen and a detached garage. Was renovated a few years ago. Ready for new investor.
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$661
DP3 Annual Estimate$954
DP1 Monthly Equivalent$55
DP3 Monthly Equivalent$80
Replacement Value$75,300
Basis1,496 sqft / 1926
Nearby Houses
Photo unavailable
7811 4th Ave S
sold · 0.01 mi
Price: $100,000
3 bd / 1 ba · 1,297 sqft
Latest sale: $100,000 on Jul 28, 2025
Latest rent: —
Photo unavailable
7801 4th Ave S
sold · 0.03 mi
Price: $33,000
2 bd / 1 ba · 1,240 sqft
Latest sale: $33,000 on Jun 25, 2019
Latest rent: $750 on Nov 02, 2019
Photo unavailable
7800 5th Ave S
sold · 0.05 mi
Price: $64,000
3 bd / 1 ba · 1,174 sqft
Latest sale: $64,000 on Jun 30, 2021
Latest rent: —
Photo unavailable
7830 5th Ave
for_sale · 0.05 mi
Price: $150,000
3 bd / 1 ba · 1,151 sqft
Latest sale: $130,000 on Dec 20, 2023
Latest rent: —
Photo unavailable
7828 4th Ave S
sold · 0.06 mi
Price: $148,000
4 bd / 1 ba · 1,325 sqft
Latest sale: $148,000 on Dec 22, 2023
Latest rent: $650 on Aug 04, 2013
Photo unavailable
7832 5th Ave S
sold · 0.06 mi
Price: $115,000
4 bd / 2 ba
Latest sale: $115,000 on Sep 02, 2021
Latest rent: —
Photo unavailable
7832 4th Ave S
sold · 0.06 mi
Price: $21,000
2 bd / 1 ba · 1,262 sqft
Latest sale: $21,000 on Sep 25, 2020
Latest rent: $945 on May 04, 2021
Photo unavailable
420 78th St S Apt G
off_market · 0.07 mi
Price: $795
2 bd / 1 ba
Latest sale: —
Latest rent: $795 on Oct 15, 2025
Photo unavailable
420 78th St S
off_market · 0.07 mi
Price: $795
2 bd / 1 ba · 850 sqft
Latest sale: $77,000 on Apr 26, 2013
Latest rent: $450 on Jul 22, 2017
Photo unavailable
7840 5th Ave S
sold · 0.07 mi
Price: $40,000
3 bd / 2 ba
Latest sale: $40,000 on Jul 12, 2019
Latest rent: —
Photo unavailable
7780 S 4th Avenue
sold · 0.08 mi
Price: $339,500
3 bd / — ba
Latest sale: $339,500
Latest rent: $750 on Jan 10, 2026
Photo unavailable
7805 3rd Ave S
sold · 0.08 mi
Price: $73,000
4 bd / 4 ba
Latest sale: $73,000 on Nov 13, 2020
Latest rent: —
Photo unavailable
500 78th St S
sold · 0.09 mi
Price: $60,000
3 bd / 1 ba · 1,078 sqft
Latest sale: $60,000 on Sep 12, 2022
Latest rent: $1,150 on Jan 18, 2023
Photo unavailable
7909 4th Ave S
sold · 0.09 mi
Price: $51,000
4 bd / 2 ba · 2,036 sqft
Latest sale: $51,000 on Nov 14, 2019
Latest rent: $1,200 on Jun 20, 2022
Photo unavailable
506 78th St
for_sale · 0.09 mi
Price: $85,000
2 bd / 1 ba · 1,850 sqft
Latest sale: $66,000 on Jan 11, 2021
Latest rent: $725 on Sep 26, 2019
Photo unavailable
512 S 78th St
sold · 0.10 mi
Price: $130,000
3 bd / 1 ba · 1,574 sqft
Latest sale: $130,000 on Jul 07, 2023
Latest rent: $745 on Feb 23, 2017
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- Missing/absent handrail on front stairs — unsafe stairs (NSPIRE failure risk)
- Cracked/uneven front walkway and concrete steps — trip/fall hazard
- Overgrown landscaping and vegetation in concrete joints — pest and trip risk; needs site cleanup
Assumptions
- Assessment is based primarily on one exterior front photo, listing text, and property snapshot; interior conditions (kitchen, bathrooms, bedrooms, electrical panel, smoke/CO detectors, HVAC, water heater) are not visible.
- Listing statement 'was renovated a few years ago' suggests recent interior updates and presence of functioning mechanicals, but their operational status is unverified.
- No visible roof sagging or active leaks in front view => assume no major roof failure, though full-roof inspection recommended.
- Detached garage exists per listing but condition and roof/drainage are unknown.
- No visible exterior exposed electrical wiring or major foundation movement in the provided photo.
- Because the house was built in 1926, lead-paint risk exists but no peeling lead-risk paint is visible in the photo.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,257 | $88,700 | $17,740 |
| 2023 | $1,184 | $81,700 | $16,340 |
| 2022 | $1,148 | $80,000 | $16,000 |
| 2021 | $954 | $65,800 | $13,160 |
| 2020 | $909 | $62,700 | $12,540 |
| 2019 | $743 | $51,300 | $10,260 |
| 2011 | $1,220 | $55,400 | $11,080 |
| 2010 | $785 | $55,400 | $11,080 |
| 2009 | $785 | $55,400 | $11,080 |
| 2008 | $801 | $56,600 | $11,320 |
| 2007 | $768 | $54,200 | $10,840 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-07-22 | Sold | $14,900 |
| 2019-04-11 | Sold | $45,000 |
| 2019-01-08 | Sold | $750 |
| 2002-05-20 | Sold | $45,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-05-22 | Listed for rent | $1,200 | — |
Photo Gallery
Show raw JSON (debug)
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"status": "sold",
"list_date": "2019-05-30T18:58:07Z",
"list_price": 14500,
"listing_id": "2365710655",
"last_update_date": "2019-07-22T22:21:10Z",
"last_status_change_date": "2019-07-22T23:00:57Z"
},
"event_name": "Price Changed",
"price_sqft": 23.328877005347593,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "851359",
"price_change_percentage": null
},
{
"date": "2019-05-30",
"price": 39900,
"listing": {
"status": "sold",
"list_date": "2019-05-30T18:58:07Z",
"list_price": 14500,
"listing_id": "2365710655",
"last_update_date": "2019-07-22T22:21:10Z",
"last_status_change_date": "2019-07-22T23:00:57Z"
},
"event_name": "Listed",
"price_sqft": 26.671122994652407,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "851359",
"price_change_percentage": "-11.33%"
},
{
"date": "2002-05-20",
"price": 45000,
"listing": null,
"event_name": "Sold",
"price_sqft": 30.080213903743317,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1991-09-25",
"price": 39500,
"listing": null,
"event_name": "Sold",
"price_sqft": 26.40374331550802,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8567040867",
"generated_at": "2026-02-16T02:21:01.784707Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 60.3
},
"section8_assessment": {
"runs": [
{
"summary": "Based on the single exterior photo, listing notes, and property snapshot, this 1926 single-family home appears structurally intact and mostly cosmetic in need of repair. Main visible issues are missing handrail on the front stairs and cracked/uneven front walkway (trip hazards) plus general landscaping and exterior cleaning/paint touch-ups. Major systems (HVAC, plumbing, electrical, hot water) and interior condition are not visible and should be verified, but there is no obvious catastrophic structural damage from the provided view. Likely outcome: moderate chance to pass an initial HCV/NSPIRE inspection after addressing handrail and trip-hazard repairs and verifying smoke/CO detectors and GFCI outlets; estimate rent-ready within ~30 days if no hidden system failures are found.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photo shows generally intact painted masonry, windows and a solid front porch structure but obvious deferred maintenance: dirty/stained and cracked concrete steps, vegetation in cracks, cracked/uneven front walkway, overgrown lawn. Listing says 'needs a little tlc' and 'investor special' and was 'renovated a few years ago' which suggests cosmetic work remaining but no visible catastrophic damage. No interior photos to verify flooring, cabinets or appliances; missing appliances not visible in listing and should not be over-penalized. Overall condition suggests mostly cosmetic and medium-effort repairs (painting touch-ups, concrete repair/cleaning, landscaping, possibly minor interior TLC)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Visible safety risks include the front stairs with no handrail (multiple risers) and a cracked/uneven walkway creating trip hazards; both are common NSPIRE/Section 8 inspection failures. No visible exposed wiring or major exterior electrical issues. Smoke/CO detectors, GFCI presence, bedroom egress and interior conditions are not visible in photos and therefore unknown. Because missing handrails and trip hazards are likely citation items, safety risk is moderate and will likely require correction before passing inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 60.0,
"rationale": "Roof and structure appear visually level in the photo with no obvious sagging or active roof leaks; dormer and main roof look intact from this limited angle. No exterior HVAC condenser is visible in the provided photo but listing notes recent renovation (a few years ago) which makes presence of systems likely; however, system operation (heating/cooling, hot water, plumbing, electrical panel condition) cannot be confirmed. Given the house age (1926) there is moderate risk of aging systems; absent interior/system photos, assume systems are serviceable but will require verification/testing prior to tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "The exterior masonry and porch appear painted and structurally intact; foundation and walls show no visible major cracks or settlement from the provided front view. Detached garage is noted in description but not pictured. Yard is overgrown and walkway/stairs show cracking and weeds—landscaping and walk repair needed. No visible standing water, major drainage issues, or infestation evidence in the photo. Overall the envelope looks repairable with moderate site work."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing/absent handrail on front stairs — unsafe stairs (NSPIRE failure risk)",
"Cracked/uneven front walkway and concrete steps — trip/fall hazard",
"Overgrown landscaping and vegetation in concrete joints — pest and trip risk; needs site cleanup"
],
"confidence": 0.55,
"assumptions": [
"Assessment is based primarily on one exterior front photo, listing text, and property snapshot; interior conditions (kitchen, bathrooms, bedrooms, electrical panel, smoke/CO detectors, HVAC, water heater) are not visible.",
"Listing statement 'was renovated a few years ago' suggests recent interior updates and presence of functioning mechanicals, but their operational status is unverified.",
"No visible roof sagging or active leaks in front view => assume no major roof failure, though full-roof inspection recommended.",
"Detached garage exists per listing but condition and roof/drainage are unknown.",
"No visible exterior exposed electrical wiring or major foundation movement in the provided photo.",
"Because the house was built in 1926, lead-paint risk exists but no peeling lead-risk paint is visible in the photo."
],
"overall_score": 63.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Overall the property appears to be an investor-ready single-family bungalow with primarily cosmetic and minor exterior maintenance needs. The most significant visible inspection risk is the lack of a handrail on the front steps (safety failure risk). Major systems and interior life-safety items (smoke/CO detectors, GFCI, heating, hot water) are not shown and must be verified; assuming basic systems are present and functional, the house is likely to be rent-ready with minor repairs and verification work within 30 days. The documented recent rental history is a positive factor.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior visible in photos shows cosmetic deferred maintenance only: stained and vegetated concrete steps and walkway, some wear to paint on masonry, but no collapsed surfaces or major structural cracks visible. Listing says 'needs a little tlc' and was renovated a few years ago, suggesting interior cosmetics likely required. Missing appliances were not observed in photos; missing appliances would reduce score moderately but are not evident. Overall appears minor repairs and cleaning are mainly needed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 50.0,
"rationale": "Visible safety risk: the front stairway has no handrail (multiple risers present) which is commonly a failed inspection item and an immediate safety hazard. Porch guard/wall appears intact but height cannot be verified. No exposed wiring or roof sagging seen. Interior life-safety items (smoke/CO detectors, GFCI outlets, deadbolt on entry, hot water, working plumbing) are not visible in photos and must be verified; that uncertainty reduces the score. Egress windows appear present at front but bedroom egress cannot be confirmed from exterior image."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 50.0,
"rationale": "Only exterior is shown; roofline and dormer look generally even with no visible sagging or obvious active leaks. HVAC, water heater, electrical panel and plumbing access are not visible; listing notes a renovation 'a few years ago' which increases likelihood systems were updated, but absence of visual confirmation requires conservative scoring. No visible roof failure or collapsing components were observed."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Masonry/block exterior and porch appear intact and recently painted. Foundation visible in photo shows no large cracks. Walkway and steps have vegetation growth and surface deterioration that create trip hazards and need repair/cleaning. Yard is somewhat overgrown but no obvious drainage ponding, standing water, or infestation evidence visible. A detached garage is mentioned in the listing; that structure is not shown sufficiently to evaluate."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing handrail on front stairs (unsafe stairs / likely inspection fail)",
"Trip hazards: vegetated/cracked walkway and stained/deteriorating stair treads",
"Property built 1926 — potential lead-based paint risk until tested"
],
"confidence": 0.6,
"assumptions": [
"Interior photos and systems (HVAC, water heater, electrical panel, smoke/CO detectors, GFCI outlets, appliances) were not provided; assumed basic systems exist but require verification.",
"Windows visible at front are assumed large enough for bedroom egress but interior bedroom windows were not inspected.",
"No visible evidence of active roof leaks, structural sagging, or foundation movement from the exterior photo; assumed none present but a full inspection could reveal hidden issues.",
"Built in 1926 — assumed potential for lead-based paint until proven otherwise; lead risk should be evaluated per HUD/NSPIRE lead-paint guidance.",
"Detached garage mentioned in listing exists but was not sufficiently inspected in provided photo(s).",
"Missing front stair handrail is assumed; no other unsafe or life-threatening hazards are visible in the supplied image."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate inspection risk. Exterior shows mainly cosmetic deferred maintenance (cracked walkway, overgrown yard, stained steps). Primary inspection-failing concern visible is the lack of handrails on the front steps (probable NSPIRE fail). Major systems and interior safety items (smoke/CO detectors, egress windows, HVAC, water heater, GFCI outlets) are unverified from photos and will require inspection. Likely 30–60 days of work/verification to be Section 8 ready unless interior systems are confirmed in good working order.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior shows cosmetic wear: stained/dirty concrete, vegetation in step joints, cracked walkway, and worn step edges. Painted brick and trim appear intact from the photo but there are visible areas of deferred maintenance on the approach and front steps. Listing notes 'needs a little tlc' but also says recently renovated — interior condition not shown. Missing appliances were not visible in photos; that would reduce score only moderately if absent. Overall: mostly cosmetic and minor repair needs; likely rentable after modest repairs (painting touch-ups, cleaning, step/sidewalk repairs, landscaping)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 45.0,
"rationale": "Visible safety concern: front entry stairs of approximately six risers have no handrails, which is a probable NSPIRE fail and a primary safety issue. Walkway/steps show vegetation and cracks constituting trip hazards. Windows and door appear intact but bedroom egress, presence/placement of smoke/CO detectors, GFCI outlets, and interior hazards are not visible and therefore unverified. Because of the missing handrail and other unverified safety items on an older 1926 property, safety compliance risk is moderate-to-high without further inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 50.0,
"rationale": "Major systems (HVAC, water heater, electrical panel) are not visible in the exterior photo. The listing claims a renovation a few years ago which suggests some systems may have been updated, but there is no visual confirmation of an exterior HVAC unit, roof condition beyond the porch, or utilities. No active roof failure, sagging, or obvious water intrusion is visible from the provided photo, but lack of evidence requires a conservative mid-level score. Verification of heating, cooling, hot water, and electrical panel condition is required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "The home's brick envelope and porch structure look generally sound with recent paint. The detached garage is mentioned but not shown. Yard is overgrown and walkway has cracking and surface deterioration. Porch walls and columns appear structurally intact; no visible major foundation cracks or roof collapse in the provided view. Drainage, downspouts, and garage condition are unverified. Overall exterior/site condition is acceptable but needs landscaping and minor concrete repairs."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing handrails on front entry stairs — probable NSPIRE/municipal fail and immediate safety hazard.",
"Trip hazards: cracked/uneven walkway and vegetation intrusion on steps.",
"Potential lead-based paint hazard (property built 1926) — requires clearance or testing documentation.",
"Major mechanicals (heating/HVAC, hot water, electrical panel) not verified in photos — systems must be confirmed functional before move-in."
],
"confidence": 0.6,
"assumptions": [
"Interior condition (floors, walls, kitchen, baths, smoke/CO detectors, GFCI outlets, bedroom egress) is not visible and therefore unverified; assumed to be average given listing 'needs a little tlc' and 'renovated a few years ago.'",
"No visible HVAC unit does not mean heating is absent; mechanical systems are assumed present but unverified and scored conservatively.",
"No visible exposed wiring, active leaks, or collapsed ceilings in the provided photo; absence of photos of other elevations/roof means roof condition is assumed fair but unconfirmed.",
"Property was built in 1926 (pre-1978) so lead-based paint hazard is a plausible risk unless a documented lead-safe renovation was performed.",
"Detached garage exists per listing but condition and electrical safety of garage were not visible and not scored."
],
"overall_score": 58.0,
"rubric_version": "2026-02-16_ns_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "7815 4th Ave, Birmingham, AL, 35206",
"aggregate": {
"summary": "Based on the single exterior photo, listing notes, and property snapshot, this 1926 single-family home appears structurally intact and mostly cosmetic in need of repair. Main visible issues are missing handrail on the front stairs and cracked/uneven front walkway (trip hazards) plus general landscaping and exterior cleaning/paint touch-ups. Major systems (HVAC, plumbing, electrical, hot water) and interior condition are not visible and should be verified, but there is no obvious catastrophic structural damage from the provided view. Likely outcome: moderate chance to pass an initial HCV/NSPIRE inspection after addressing handrail and trip-hazard repairs and verifying smoke/CO detectors and GFCI outlets; estimate rent-ready within ~30 days if no hidden system failures are found.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photo shows generally intact painted masonry, windows and a solid front porch structure but obvious deferred maintenance: dirty/stained and cracked concrete steps, vegetation in cracks, cracked/uneven front walkway, overgrown lawn. Listing says 'needs a little tlc' and 'investor special' and was 'renovated a few years ago' which suggests cosmetic work remaining but no visible catastrophic damage. No interior photos to verify flooring, cabinets or appliances; missing appliances not visible in listing and should not be over-penalized. Overall condition suggests mostly cosmetic and medium-effort repairs (painting touch-ups, concrete repair/cleaning, landscaping, possibly minor interior TLC)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "The exterior masonry and porch appear painted and structurally intact; foundation and walls show no visible major cracks or settlement from the provided front view. Detached garage is noted in description but not pictured. Yard is overgrown and walkway/stairs show cracking and weeds—landscaping and walk repair needed. No visible standing water, major drainage issues, or infestation evidence in the photo. Overall the envelope looks repairable with moderate site work."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 50.0,
"rationale": "Visible safety risks include the front stairs with no handrail (multiple risers) and a cracked/uneven walkway creating trip hazards; both are common NSPIRE/Section 8 inspection failures. No visible exposed wiring or major exterior electrical issues. Smoke/CO detectors, GFCI presence, bedroom egress and interior conditions are not visible in photos and therefore unknown. Because missing handrails and trip hazards are likely citation items, safety risk is moderate and will likely require correction before passing inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 53.3,
"rationale": "Roof and structure appear visually level in the photo with no obvious sagging or active roof leaks; dormer and main roof look intact from this limited angle. No exterior HVAC condenser is visible in the provided photo but listing notes recent renovation (a few years ago) which makes presence of systems likely; however, system operation (heating/cooling, hot water, plumbing, electrical panel condition) cannot be confirmed. Given the house age (1926) there is moderate risk of aging systems; absent interior/system photos, assume systems are serviceable but will require verification/testing prior to tenancy."
}
],
"red_flags": [
"Missing/absent handrail on front stairs — unsafe stairs (NSPIRE failure risk)",
"Cracked/uneven front walkway and concrete steps — trip/fall hazard",
"Overgrown landscaping and vegetation in concrete joints — pest and trip risk; needs site cleanup"
],
"confidence": 0.85,
"assumptions": [
"Assessment is based primarily on one exterior front photo, listing text, and property snapshot; interior conditions (kitchen, bathrooms, bedrooms, electrical panel, smoke/CO detectors, HVAC, water heater) are not visible.",
"Listing statement 'was renovated a few years ago' suggests recent interior updates and presence of functioning mechanicals, but their operational status is unverified.",
"No visible roof sagging or active leaks in front view => assume no major roof failure, though full-roof inspection recommended.",
"Detached garage exists per listing but condition and roof/drainage are unknown.",
"No visible exterior exposed electrical wiring or major foundation movement in the provided photo.",
"Because the house was built in 1926, lead-paint risk exists but no peeling lead-risk paint is visible in the photo."
],
"score_method": "mean_of_criteria",
"overall_score": 60.3,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8567040867"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.