Property ID: 8582319536
832 Morningside Dr, Terrytown, LA, 70056
Terrytown, LA
Money Down: $57,096
CoC Return: -1.97%
Monthly Cash Flow: $-94
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$47,580
Closing Costs
$9,516
Total Down
$57,096
Investment Snapshot
Purchase Price
$237,900
Money Down
$57,096
Cash-on-Cash Return
-1.97%
Rent
$1,696
Monthly Cash Flow
$-94
Annual Cash Flow
$-1,124
Debt Service / Mo
$1,266
Property Tax / Mo
$244
Insurance / Mo
$110
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$110
Property Tax
$244
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,173
Debt Service
$1,266
Cash Flow After Debt
$-94
Quality Score: 83.50%
Confidence: 94.00%
Based on listing details and photos the property is largely turnkey for Section 8 / HCV tenancy. Recent major updates (roof 2021, kitchen/bath 2021, new AC 2026) and clean interior/exterior condition indicate high likelihood of passing an initial NSPIRE inspection after verification of a few code items. Primary items to confirm before inspection: presence and placement of smoke detectors and CO alarms, functioning hot water heater, GFCI protection in kitchen/baths, and operable window egress in bedrooms. Expect mostly minor punch-list items rather than major repairs.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$237,900
Beds
3
Baths
2
Living Area
1,410 sqft
Lot Size
—
Year Built
1981
Days on Market
183
Capital Outlay
$57,096
Debt Service
$1,266
Property Tax / Mo
$244
Insurance / Mo
$110
Property Description
Seller Financing available on this listing! JUST ADDED IN 2026 a brand NEW AC with a 10 year warranty bringing not only comfort, but peace of mind! This updated home offers modern convenience and well-planned upgrades throughout. Every room includes built-in USB ports, while the bathrooms feature Bluetooth speakers for an added touch of comfort. Smart locks and a smart thermostat make daily living efficient. The kitchen and bathrooms were fully renovated in 2021, showcasing quartz countertops, a spacious pantry, and sleek finishes. New flooring runs through the entire home-there's no carpet anywhere. Other 2021 updates include the roof, gutters, and a newly built back patio that extends the living space outdoors. The home sits on a nice-sized lot with a fenced backyard and a storage shed, providing plenty of room for outdoor use and storage. All major renovations and upgrades were completed in 2021, offering a move-in-ready home with modern systems and style.
Utility Allowances
cooking
$12
Selected 'natural_gas' as the property listing specifies 'Gas: Natural' and includes a 'Range/Oven'.
heating
$70
Selected 'natural_gas' as the property has central heating and is supplied with natural gas.
other_electric
$67
This is a standard allowance for electricity used by lights, outlets, and tenant-owned small appliances.
sewer
$46
The property listing explicitly states the sewer connection is 'City'.
trash_collection
$25
Trash collection is a standard municipal service for a single-family home and is assumed to be a tenant utility.
water
$43
The property listing explicitly states the water source is 'Public'.
water_heating
$24
Selected 'natural_gas' as it is the most common and cost-effective fuel for water heating in a home with existing natural gas service.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,318
DP3 Annual Estimate$1,318
DP1 Monthly Equivalent$110
DP3 Monthly Equivalent$110
Replacement Value$165,300
Basis1,410 sqft / 1981
Nearby Houses
Photo unavailable
840 Morningside Dr
off_market · 0.02 mi
Price: $185,000
3 bd / 2 ba · 1,410 sqft
Latest sale: —
Latest rent: —
Photo unavailable
809 Oakwood Dr
off_market · 0.08 mi
Price: $245,000
4 bd / 3 ba · 2,367 sqft
Latest sale: —
Latest rent: —
Photo unavailable
817 Mystic Ave
sold · 0.08 mi
Price: $175,000
3 bd / 2 ba · 1,350 sqft
Latest sale: —
Latest rent: —
Photo unavailable
825 Matador Dr
off_market · 0.14 mi
Price: $200,000
3 bd / 2 ba · 1,380 sqft
Latest sale: —
Latest rent: —
Photo unavailable
861 Mystic Ave
off_market · 0.14 mi
Price: $175,000
3 bd / 3 ba · 1,569 sqft
Latest sale: —
Latest rent: —
Photo unavailable
785 Mercedes Pl
sold · 0.16 mi
Price: $239,000
4 bd / 3 ba · 1,719 sqft
Latest sale: —
Latest rent: —
Photo unavailable
820 Behrman Hwy
sold · 0.16 mi
Price: $239,000
— bd / — ba · 2,345 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2176 Gibson St
sold · 0.21 mi
Price: $175,000
3 bd / 2 ba · 1,450 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2152 Legion Dr
for_sale · 0.21 mi
Price: $249,500
3 bd / 2 ba · 1,400 sqft
Latest sale: —
Latest rent: —
Photo unavailable
748 Oakwood Dr
for_sale · 0.25 mi
Price: $259,000
3 bd / 2 ba · 1,300 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors and CO alarms were likely installed during the 2021 renovation but are not visible in the photos; inspector should verify presence and locations.
- GFCI outlets near kitchen and bathrooms were likely installed as part of the 2021 remodel; exact configuration not visible and must be verified.
- Hot water heater is present and functional though not shown in images; plumbing fixtures shown appear operational.
- Electrical panel exists and is intact/covered; no exposed service conductors visible in photos.
- Bedrooms have code-compliant egress windows typical of a 1981-built single-story home; not verifiable from available photos.
- Roof replacement in 2021 is in good condition (no active leaks visible), and the darker area on aerial image is likely shadow or wet shading rather than structural failure.
- No visible mold, major pest infestation, or interior water intrusion based on photos; concealed issues could exist but unlikely given recent renovations.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,843 | $213,700 | $21,370 |
| 2024 | $2,834 | $213,700 | $21,370 |
| 2023 | $2,793 | $213,700 | $21,370 |
| 2022 | $2,722 | $213,700 | $21,370 |
| 2021 | $2,566 | $213,700 | $21,370 |
| 2020 | $1,411 | $118,400 | $11,840 |
| 2019 | $1,448 | $118,400 | $11,840 |
| 2018 | $1,352 | $118,400 | $11,840 |
| 2017 | $1,296 | $118,400 | $11,840 |
| 2016 | $1,270 | $118,400 | $11,840 |
| 2015 | $1,301 | $118,400 | $11,840 |
| 2014 | $1,285 | $118,400 | $11,840 |
| 2013 | $1,242 | $118,400 | $11,840 |
| 2012 | $455 | $118,400 | $11,840 |
| 2011 | $449 | $117,800 | $11,780 |
| 2010 | $1,206 | $117,800 | $11,780 |
| 2009 | $1,206 | $117,800 | $11,780 |
| 2008 | $434 | — | $11,780 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-02 | Price Changed | $237,900 |
| 2026-01-07 | Price Changed | $239,900 |
| 2025-11-13 | Price Changed | $243,999 |
| 2025-10-08 | Listed | $245,999 |
| 2025-10-05 | Listing removed | $0 |
| 2025-09-20 | Price Changed | $243,900 |
| 2025-08-10 | Listed | $249,000 |
| 2021-12-06 | Sold | $0 |
| 2021-12-03 | Listing removed | $235,000 |
| 2021-10-08 | Listed | $235,000 |
| 2021-01-11 | Sold | $0 |
| 2005-07-28 | Sold | $0 |
Photo Gallery
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"land": 4840,
"total": 11780,
"building": 6940
}
},
{
"tax": 434,
"year": 2008,
"market": null,
"assessment": {
"land": null,
"total": 11780,
"building": null
}
}
],
"property_history": [
{
"date": "2026-03-02",
"price": 237900,
"listing": {
"status": "for_sale",
"list_date": "2025-10-08T15:23:35Z",
"list_price": 237900,
"listing_id": "2987149712",
"last_update_date": "2026-03-07T13:00:18Z",
"last_status_change_date": "2025-10-08T15:23:35Z"
},
"event_name": "Price Changed",
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"price_change": -2000,
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{
"date": "2026-01-07",
"price": 239900,
"listing": {
"status": "for_sale",
"list_date": "2025-10-08T15:23:35Z",
"list_price": 237900,
"listing_id": "2987149712",
"last_update_date": "2026-03-07T13:00:18Z",
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},
"event_name": "Price Changed",
"price_sqft": 170.1418439716312,
"source_name": "NewOrleans",
"price_change": -4099,
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{
"date": "2025-11-13",
"price": 243999,
"listing": {
"status": "for_sale",
"list_date": "2025-10-08T15:23:35Z",
"list_price": 237900,
"listing_id": "2987149712",
"last_update_date": "2026-03-07T13:00:18Z",
"last_status_change_date": "2025-10-08T15:23:35Z"
},
"event_name": "Price Changed",
"price_sqft": 173.04893617021276,
"source_name": "NewOrleans",
"price_change": -2000,
"days_after_listed": null,
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},
{
"date": "2025-10-08",
"price": 245999,
"listing": {
"status": "for_sale",
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"list_price": 237900,
"listing_id": "2987149712",
"last_update_date": "2026-03-07T13:00:18Z",
"last_status_change_date": "2025-10-08T15:23:35Z"
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{
"date": "2025-10-05",
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"last_update_date": "2025-09-20T13:19:21Z",
"last_status_change_date": "2025-10-05T02:09:15Z"
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"event_name": "Listing removed",
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"price_change": 0,
"days_after_listed": "56 days",
"source_listing_id": "2516103",
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{
"date": "2025-09-20",
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"listing": {
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"list_price": 243900,
"listing_id": "2985208231",
"last_update_date": "2025-09-20T13:19:21Z",
"last_status_change_date": "2025-10-05T02:09:15Z"
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"price_change": -5100,
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},
{
"date": "2025-08-10",
"price": 249000,
"listing": {
"status": "off_market",
"list_date": "2025-08-10T18:03:06Z",
"list_price": 243900,
"listing_id": "2985208231",
"last_update_date": "2025-09-20T13:19:21Z",
"last_status_change_date": "2025-10-05T02:09:15Z"
},
"event_name": "Listed",
"price_sqft": 176.59574468085106,
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"price_change": 0,
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{
"date": "2021-12-06",
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"price_sqft": null,
"source_name": "Public Record",
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"days_after_listed": null,
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},
{
"date": "2021-12-03",
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"list_date": "2021-10-08T15:01:00Z",
"list_price": 235000,
"listing_id": "2935272742",
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"last_status_change_date": "2021-12-04T03:20:01Z"
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"event_name": "Listing removed",
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"price_change": 0,
"days_after_listed": "56 days",
"source_listing_id": "2318400",
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{
"date": "2021-10-08",
"price": 235000,
"listing": {
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"list_date": "2021-10-08T15:01:00Z",
"list_price": 235000,
"listing_id": "2935272742",
"last_update_date": "2021-12-03T21:09:06Z",
"last_status_change_date": "2021-12-04T03:20:01Z"
},
"event_name": "Listed",
"price_sqft": 166.66666666666666,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2318400",
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},
{
"date": "2021-01-11",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2005-07-28",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
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}
],
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}
},
"rmn_listing_attribution": false
},
"property_id": "8582319536",
"generated_at": "2026-03-27T17:01:36.074976Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 83.5
},
"utility_allowance": {
"zip_code": "70056",
"home_photo": "https://ap.rdcpix.com/b49fc49671c916a58d3def7af2174e74l-m450405245s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 190320.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/832-Morningside-Dr_Terrytown_LA_70056_M85823-19536",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 237900.0,
"loan_term_years": 30,
"annual_cash_flow": 14070.51,
"mortgage_monthly": 1266.2,
"payment_standard": 1983.0,
"total_amount_out": 47580.0,
"additional_photos": [
"https://ap.rdcpix.com/b49fc49671c916a58d3def7af2174e74l-m3779206209s-w1280.jpg",
"https://ap.rdcpix.com/b49fc49671c916a58d3def7af2174e74l-m1909471897s-w1280.jpg",
"https://ap.rdcpix.com/b49fc49671c916a58d3def7af2174e74l-m3124290733s-w1280.jpg",
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"https://ap.rdcpix.com/b49fc49671c916a58d3def7af2174e74l-m2744676432s-w1280.jpg",
"https://ap.rdcpix.com/b49fc49671c916a58d3def7af2174e74l-m4169400331s-w1280.jpg",
"https://ap.rdcpix.com/b49fc49671c916a58d3def7af2174e74l-m1240222574s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 109.83,
"monthly_cash_flow": 1172.54,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'natural_gas' as the property listing specifies 'Gas: Natural' and includes a 'Range/Oven'.",
"utility": "cooking",
"allowance": 12
},
{
"note": "Selected 'natural_gas' as the property has central heating and is supplied with natural gas.",
"utility": "heating",
"allowance": 70
},
{
"note": "This is a standard allowance for electricity used by lights, outlets, and tenant-owned small appliances.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "The property listing explicitly states the sewer connection is 'City'.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard municipal service for a single-family home and is assumed to be a tenant utility.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "The property listing explicitly states the water source is 'Public'.",
"utility": "water",
"allowance": 43
},
{
"note": "Selected 'natural_gas' as it is the most common and cost-effective fuel for water heating in a home with existing natural gas service.",
"utility": "water_heating",
"allowance": 24
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 47580.0,
"property_tax_annual": 2928.29,
"property_tax_monthly": 244.02,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -1123.93,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -93.66,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Based on listing details and photos the property is largely turnkey for Section 8 / HCV tenancy. Recent major updates (roof 2021, kitchen/bath 2021, new AC 2026) and clean interior/exterior condition indicate high likelihood of passing an initial NSPIRE inspection after verification of a few code items. Primary items to confirm before inspection: presence and placement of smoke detectors and CO alarms, functioning hot water heater, GFCI protection in kitchen/baths, and operable window egress in bedrooms. Expect mostly minor punch-list items rather than major repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a recently renovated property (kitchen/baths 2021, new flooring throughout, fresh paint). Kitchen appliances (range, dishwasher, refrigerator) are present and in-photo; counters look intact. Exterior brick painted, driveway and porch in good condition. Minor finish defects noted (small cabinet baseboard scuff near floor, typical wear) but no significant deferred maintenance visible. Missing carpet is intentional (tile throughout). Overall cosmetic condition appears very good; only minor, easy-to-fix items expected."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 78.0,
"rationale": "No active life‑threatening hazards visible — ceilings intact, no collapsed areas, no exposed wiring, entry door appears secure with deadbolt, floors look level. Recent renovations (2021 kitchen/baths, 2026 AC) reduce likelihood of plumbing/electrical defects. Uncertainties: smoke detectors and CO alarms are not visible in photos (required), GFCI receptacle at kitchen sink cannot be positively identified from images, bedroom egress windows not shown. Given recent remodels, it is reasonable to assume detectors/GFCI were addressed but they must be verified on inspection. Minor documentation/installation omissions could generate conditional items on inspection but no major safety failures are evident from photos."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, roof, plumbing, electrical)",
"score": 82.0,
"rationale": "Seller notes a brand new AC installed in 2026 with 10-year warranty (photo shows ceiling HVAC vent), roof and gutters replaced in 2021 and aerial photo shows intact shingles with no obvious sag or widespread damage. Kitchen appliances and fixtures are modern and appear operational. Water heater and electrical panel are not shown; plumbing fixtures visible and appear functional. Based on the recent roof/HVAC updates and renovated interiors, major systems likely in good working order but final confirmation of hot water, electrical panel labeling and any permits would be needed."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior photos and aerial view show a well-kept yard, fenced backyard, and a storage shed. Driveway and sidewalk are intact; front porch and columns look sound. Trees on the lot are mature and could require routine maintenance (not a current failure). No visible standing water or major drainage issues in photos. Roof appears recently replaced (2021). Overall exterior condition is good with typical maintenance recommended."
}
],
"red_flags": [],
"confidence": 0.8,
"assumptions": [
"Smoke detectors and CO alarms were likely installed during the 2021 renovation but are not visible in the photos; inspector should verify presence and locations.",
"GFCI outlets near kitchen and bathrooms were likely installed as part of the 2021 remodel; exact configuration not visible and must be verified.",
"Hot water heater is present and functional though not shown in images; plumbing fixtures shown appear operational.",
"Electrical panel exists and is intact/covered; no exposed service conductors visible in photos.",
"Bedrooms have code-compliant egress windows typical of a 1981-built single-story home; not verifiable from available photos.",
"Roof replacement in 2021 is in good condition (no active leaks visible), and the darker area on aerial image is likely shadow or wet shading rather than structural failure.",
"No visible mold, major pest infestation, or interior water intrusion based on photos; concealed issues could exist but unlikely given recent renovations."
],
"overall_score": 82.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "Overall this single-family home appears largely turnkey for Section 8 tenancy. Major systems have been updated (new AC 2026, roof and interior renovations 2021), interior finishes are modern and intact, and exterior/site conditions look well maintained. The primary uncertainties for NSPIRE inspection are the presence and correct placement of smoke and carbon monoxide detectors, GFCI protection in kitchen/bath, and verification of the electrical panel and water heater — items not shown in photos. With verification/installation of required detectors and any needed GFCI outlets, the property is likely to pass an initial HCV inspection with only minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 88.0,
"rationale": "Interior photos and listing show a recent full renovation (kitchen and baths 2021), new flooring throughout, painted brick exterior and a neat finished appearance. Appliances (range, dishwasher, refrigerator) are present in photos. Visible minor scuffs at cabinet toe-kicks and typical cosmetic touch-ups may be needed, but no major deferred maintenance is evident. Missing small finish items (outlet covers or minor trim) are possible but would be easy fixes."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "No visible active life-safety hazards in photos: ceilings intact, no visible mold, no collapsed areas, floors even, and doors/windows appear serviceable. New 2026 AC and 2021 roof reduce risk. Items not visible in photos (smoke detectors, carbon monoxide alarms, GFCI protection at kitchen sink, electrical panel condition, bedroom egress compliance) create moderate uncertainty. A gas range is pictured — CO alarm required by code in many jurisdictions; presence not shown. No exposed wiring or unsafe stairs observed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, roof, plumbing, electrical)",
"score": 82.0,
"rationale": "Listing explicitly states brand-new AC installed 2026 with 10-year warranty and roof/gutters replaced in 2021. Kitchen and bathrooms were renovated in 2021 suggesting updated plumbing fixtures. Appliances are present and appear functional. Electrical panel and water heater are not shown; absence of visible HVAC/heating failures and the recent system upgrades support a favorable assessment, but unseen components introduce moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard, and site condition",
"score": 85.0,
"rationale": "Exterior photos show a replaced roof (2021), maintained lawn, fenced backyard, and a storage shed. Front porch and driveway look in good condition. Aerial view shows mature trees near rear yard (may require periodic maintenance). No obvious foundation movement, standing water, or major exterior deterioration visible. One darker area on the rear roof from aerial imagery is noted but the listing reports a 2021 roof replacement."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that AC was replaced in 2026 and roof/gutters were replaced in 2021 is accurate and reflects functional systems.",
"Bedrooms meet egress requirements typical for a 1981 single-family home and windows shown are operable, though individual bedrooms were not photographed.",
"Smoke detectors and carbon monoxide alarms are not shown; assume they may be missing or not visible — will require verification and potential installation.",
"Electrical panel and water heater were not visible; assume standard condition given other recent renovations but recommend inspection to confirm.",
"Kitchen and bathroom plumbing were updated during the 2021 renovations and function correctly unless otherwise found at an in-person inspection.",
"No major concealed structural issues (foundation movement, significant roof leak, severe mold) exist; aerial discoloration on the rear roof is assumed cosmetic or temporary staining given the 2021 roof replacement."
],
"overall_score": 84.0,
"rubric_version": "ns-pv1.0-2026-03"
},
{
"summary": "This single-story 3-bed/2-bath home is largely turnkey for Section 8 / HCV tenancy. Major renovations (kitchen, baths, roof, gutters, flooring) and a brand-new AC reduce risk of system failures. The house appears safe and well maintained from visible areas; the most important items to verify before inspection are working smoke and carbon monoxide detectors, GFCI protection near wet areas, the electrical panel condition, and hot water/heating operation. Large rear trees and a darker patch visible on the rear roof merit a quick contractor check but do not appear to be immediate disqualifiers. Overall, property is likely to pass an initial HCV/NSPIRE inspection with minimal work (detectors, GFCI checks, and routine verifications).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Listing and photos show a full interior renovation (kitchen & baths 2021), new flooring throughout, freshly painted brick exterior and a clean, finished living area. Kitchen cabinets, quartz counters, appliances (stove, dishwasher, refrigerator visible) and island appear in good condition. Minor observable wear at cabinet toe-kick and small baseboard scuffs in areas — easy cosmetic fixes. No visible major deferred maintenance inside. Missing or damaged small trim, outlet covers or minor caulk/paint touch-ups would be expected but are low-effort."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 80.0,
"rationale": "No visible exposed wiring, trip hazards, severe water stains, peeling paint or mold in photos. Smart lock and solid entry door visible; living areas and windows appear adequate for egress. However photos do not show smoke detectors, carbon monoxide alarms (required for gas appliances), the electrical panel, or GFCI outlet labeling near sinks — these items are not visible and must be verified. Gas range and hood are present (vent hood visible). No broken handrails or collapsed ceilings observed. Overall safety risk is low but dependent on presence/function of detectors, GFCIs and electrical compliance."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 85.0,
"rationale": "Listing confirms brand-new central AC installed 2026 with 10-year warranty — strong positive. Roof and gutters replaced in 2021 per listing and roof appears in good condition in photos. Kitchen appliances (gas range, dishwasher, refrigerator) are present and appear modern. Plumbing fixtures visible look functional. Electrical panel and water heater are not shown; heating source not pictured (but presence of new AC suggests central HVAC). Systems appear recently updated but verification of hot water, electrical panel labeling, HVAC heating function and plumbing under-sink connections needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photos show a recently painted brick facade, intact siding, a fenced backyard and a storage shed. Driveway and sidewalks are serviceable. Roof visually in good shape. Aerial image shows large mature trees close to the rear roofline (possible root or falling limb risk) and a darker patch on rear roof area that should be checked for drainage/ponding. Yard and lot are generally well maintained; fence and shed provide storage/security."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — must verify presence and function before inspection.",
"Electrical panel and GFCI outlets not shown — electrical compliance unknown and needs verification.",
"Large mature trees very close to rear of house — potential for roof/structure damage or root issues; inspect for fallen limb damage and root intrusion.",
"Aerial photo shows a darker patch on rear roof area—verify for drainage issues or prior roof staining/ponding.",
"Water heater not visible in photos — confirm functioning hot water and safe venting."
],
"confidence": 0.65,
"assumptions": [
"Interior photos reflect current condition and renovations described (kitchen and baths renovated 2021, flooring throughout).",
"Central HVAC includes heating (not just cooling) and the new 2026 AC is part of a functioning central forced-air system.",
"Appliances shown (gas range, dishwasher, refrigerator) are functional at time of inspection; missing appliances would be noted but are present here.",
"Smoke detectors, CO alarms, GFCI outlets and electrical panel exist in the property but were not visible in supplied photos; their presence and function will be verified.",
"No active infestations, severe hidden mold, or major foundation movement exist beyond what is visible in photos.",
"Roof replaced in 2021 and will have reasonable remaining life; the darker roof patch is assumed to be debris/aging/roof shading but should be inspected."
],
"overall_score": 85.0,
"rubric_version": "nsPIRE_v1.0_photo_assessment_2026-03"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "832 Morningside Dr, Terrytown, LA, 70056",
"aggregate": {
"summary": "Based on listing details and photos the property is largely turnkey for Section 8 / HCV tenancy. Recent major updates (roof 2021, kitchen/bath 2021, new AC 2026) and clean interior/exterior condition indicate high likelihood of passing an initial NSPIRE inspection after verification of a few code items. Primary items to confirm before inspection: presence and placement of smoke detectors and CO alarms, functioning hot water heater, GFCI protection in kitchen/baths, and operable window egress in bedrooms. Expect mostly minor punch-list items rather than major repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 87.7,
"rationale": "Interior and exterior photos show a recently renovated property (kitchen/baths 2021, new flooring throughout, fresh paint). Kitchen appliances (range, dishwasher, refrigerator) are present and in-photo; counters look intact. Exterior brick painted, driveway and porch in good condition. Minor finish defects noted (small cabinet baseboard scuff near floor, typical wear) but no significant deferred maintenance visible. Missing carpet is intentional (tile throughout). Overall cosmetic condition appears very good; only minor, easy-to-fix items expected."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 83.3,
"rationale": "Exterior photos and aerial view show a well-kept yard, fenced backyard, and a storage shed. Driveway and sidewalk are intact; front porch and columns look sound. Trees on the lot are mature and could require routine maintenance (not a current failure). No visible standing water or major drainage issues in photos. Roof appears recently replaced (2021). Overall exterior condition is good with typical maintenance recommended."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 78.7,
"rationale": "No active life‑threatening hazards visible — ceilings intact, no collapsed areas, no exposed wiring, entry door appears secure with deadbolt, floors look level. Recent renovations (2021 kitchen/baths, 2026 AC) reduce likelihood of plumbing/electrical defects. Uncertainties: smoke detectors and CO alarms are not visible in photos (required), GFCI receptacle at kitchen sink cannot be positively identified from images, bedroom egress windows not shown. Given recent remodels, it is reasonable to assume detectors/GFCI were addressed but they must be verified on inspection. Minor documentation/installation omissions could generate conditional items on inspection but no major safety failures are evident from photos."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, roof, plumbing, electrical)",
"score": 83.0,
"rationale": "Seller notes a brand new AC installed in 2026 with 10-year warranty (photo shows ceiling HVAC vent), roof and gutters replaced in 2021 and aerial photo shows intact shingles with no obvious sag or widespread damage. Kitchen appliances and fixtures are modern and appear operational. Water heater and electrical panel are not shown; plumbing fixtures visible and appear functional. Based on the recent roof/HVAC updates and renovated interiors, major systems likely in good working order but final confirmation of hot water, electrical panel labeling and any permits would be needed."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Smoke detectors and CO alarms were likely installed during the 2021 renovation but are not visible in the photos; inspector should verify presence and locations.",
"GFCI outlets near kitchen and bathrooms were likely installed as part of the 2021 remodel; exact configuration not visible and must be verified.",
"Hot water heater is present and functional though not shown in images; plumbing fixtures shown appear operational.",
"Electrical panel exists and is intact/covered; no exposed service conductors visible in photos.",
"Bedrooms have code-compliant egress windows typical of a 1981-built single-story home; not verifiable from available photos.",
"Roof replacement in 2021 is in good condition (no active leaks visible), and the darker area on aerial image is likely shadow or wet shading rather than structural failure.",
"No visible mold, major pest infestation, or interior water intrusion based on photos; concealed issues could exist but unlikely given recent renovations."
],
"score_method": "mean_of_criteria",
"overall_score": 83.5,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8582319536"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.