Property ID: 8598028461
2417 Pine Cone Cir, Tarrant, AL, 35217
Tarrant, AL
Money Down: $28,776
CoC Return: 11.75%
Monthly Cash Flow: $282
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
11.75%
Rent
$1,136
Monthly Cash Flow
$282
Annual Cash Flow
$3,381
Debt Service / Mo
$638
Property Tax / Mo
$39
Insurance / Mo
$64
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,136
Payment Standard
$1,419
Rent
$1,136
Insurance
$64
Property Tax
$39
Management
$114
Utilities Allowance
$283
NOI (Monthly)
$920
Debt Service
$638
Cash Flow After Debt
$282
Quality Score: 72.80%
Confidence: 91.00%
Overall the property appears structurally sound and close to rent-ready. Recent major systems (roof, HVAC, septic) per listing reduce system risk. Primary inspection risks are code-level items that cannot be confirmed from photos: presence/placement of smoke and CO detectors, GFCI protection, and bedroom egress sizing. Exterior driveway cracking and a roadside drainage depression near the driveway are site hazards that should be corrected. With installation/verification of required detectors, minor kitchen/bath GFCI checks, and remediation of the driveway/ditch hazard, the property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$283
Guaranteed Section 8 Rent (PS - Utilities)
$1,136
Property Management
$114
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
1
Living Area
1,176 sqft
Lot Size
10,454 sqft
Year Built
1959
Days on Market
35
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$39
Insurance / Mo
$64
Property Description
Welcome to this nice and welcoming ranch style home. This home features 3 bedroom, one bathroom single level living and a blank canvas for your open ideas! New septic tank around 2022, hvac around 7 years old, roof around 8 years old, large fenced in yard with shed and more. The family/ den room could be converted into a large master bedroom with an added bathroom, since laundry is on the adjacent wall. Laundry room does have a preframed doorway for easy conversion to add door to lower den. Minutes away from the interstates and major highways for easy travel access.
Utility Allowances
Cooking
$16
Property has an electric stove and is located in Tarrant, matching the 'Elec: Tarrant' schedule option.
Heating
$41
Property has gas heat. 'Fultondale' is selected as a geographically relevant provider (mentioned in directions) and is the more expensive option between the most likely providers, per instructions.
Cooling
$17
Property has central A/C (electric) and is located in Tarrant, matching the 'A/C: Tarrant' schedule option.
Water Heating
$34
Property has a gas water heater. The same provider selected for heating ('Fultondale') is used for consistency.
Water
$78
Property has public water. As no specific 'Tarrant' water provider is listed, 'Birmingham' is selected as the most probable provider for the area.
Sewer
$0
Property utilizes a septic system, resulting in no public sewer utility cost for the tenant.
Trash Collection
$27
Property is in Tarrant, so the 'Tarrant City ISCL' (Inside City Limits) rate is applied.
Other Electric
$64
This is the standard allowance for general electricity (lights, outlets) in Tarrant.
Refrigerator
$0
The property listing explicitly includes a refrigerator, so no allowance is provided for a tenant-owned appliance.
Range/Microwave
$6
A microwave is not mentioned as a provided appliance, so the allowance for a tenant-owned microwave is included.
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$619
DP3 Annual Estimate$912
DP1 Monthly Equivalent$52
DP3 Monthly Equivalent$76
Replacement Value$71,400
Basis1,176 sqft / 1959
Nearby Houses
Photo unavailable
2416 Cedar Hill Dr
for_sale · 0.03 mi
Price: $149,500
2 bd / 1 ba · 921 sqft
Latest sale: $20,000
Latest rent: —
Photo unavailable
2401 Pine Cone Cir Units 9 & 10
sold · 0.03 mi
Price: $5,000
— bd / — ba
Latest sale: $5,000
Latest rent: —
Photo unavailable
2400 Cedar Hill Dr
sold · 0.05 mi
Price: $25,000
3 bd / 1 ba · 1,508 sqft
Latest sale: $25,000
Latest rent: —
Photo unavailable
2436 Pine Cone Cir
for_sale · 0.06 mi
Price: $119,900
3 bd / 1 ba · 1,215 sqft
Latest sale: $253,085
Latest rent: —
Photo unavailable
2438 Cedar Hill Dr Lot 0
off_market · 0.12 mi
Price: $27,000
— bd / — ba
Latest sale: $19,508
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No smoke detectors or carbon monoxide alarms visible in interior photos — common cause of initial inspection failure.
- Uncertain bedroom egress compliance (window size/egress not verifiable) — possible inspection issue.
- Driveway/roadside drainage depression/culvert at driveway edge — trip/fall and drainage hazard that should be remediated.
- GFCI protection in kitchen/bath not visible — may require updates to meet NSPIRE/local code.
Assumptions
- Listing statements are accurate: roof ~8 years old, HVAC ~7 years old, septic replaced ~2022.
- Interior mechanical systems (water heater, plumbing) are functional unless otherwise indicated; no interior photos show active water stains or damage.
- No smoke detectors or CO alarms are visible in provided photos; assume they are either absent or not shown and may need installation.
- Electrical panel is present and intact (meter bank visible) but internal condition and presence of required breakers/GFCIs not verified from photos.
- Bedrooms have standard windows; egress compliance (opening size) could not be confirmed from images and is assumed uncertain.
- No evidence of major foundation movement or roof sagging in provided photos; assume no significant structural defects visible externally.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $451 | $89,300 | $8,940 |
| 2023 | $451 | $89,300 | $8,940 |
| 2007 | $275 | $60,600 | $6,060 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-12 | Listed | $119,900 |
| 2025-11-30 | Listing removed | $0 |
| 2025-08-28 | Price Changed | $125,000 |
| 2025-08-12 | Price Changed | $129,900 |
| 2025-07-29 | Listed | $139,900 |
| 2022-05-30 | Sold | $95,000 |
Photo Gallery
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},
{
"note": "Property has a gas water heater. The same provider selected for heating ('Fultondale') is used for consistency.",
"utility": "Water Heating",
"allowance": 34
},
{
"note": "Property has public water. As no specific 'Tarrant' water provider is listed, 'Birmingham' is selected as the most probable provider for the area.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property utilizes a septic system, resulting in no public sewer utility cost for the tenant.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Property is in Tarrant, so the 'Tarrant City ISCL' (Inside City Limits) rate is applied.",
"utility": "Trash Collection",
"allowance": 27
},
{
"note": "This is the standard allowance for general electricity (lights, outlets) in Tarrant.",
"utility": "Other Electric",
"allowance": 64
},
{
"note": "The property listing explicitly includes a refrigerator, so no allowance is provided for a tenant-owned appliance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A microwave is not mentioned as a provided appliance, so the allowance for a tenant-owned microwave is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.46,
"down_payment_amount": 23980.0,
"property_tax_annual": 464.53,
"property_tax_monthly": 38.71,
"property_tax_increase": 0.03,
"utility_allowance_total": 283.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3380.87,
"property_management_monthly": 113.6,
"monthly_cash_flow_after_debt": 281.74,
"cash_on_cash_return_after_debt": 0.14
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears structurally sound and close to rent-ready. Recent major systems (roof, HVAC, septic) per listing reduce system risk. Primary inspection risks are code-level items that cannot be confirmed from photos: presence/placement of smoke and CO detectors, GFCI protection, and bedroom egress sizing. Exterior driveway cracking and a roadside drainage depression near the driveway are site hazards that should be corrected. With installation/verification of required detectors, minor kitchen/bath GFCI checks, and remediation of the driveway/ditch hazard, the property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show generally sound cosmetic condition: intact hardwood floors, painted ceilings and walls, functioning-looking kitchen appliances (stove & refrigerator present), updated vinyl kitchen flooring and intact cabinets. Exterior brick and siding appear intact. Observable deferred items: cracked/uneven driveway, carport metal cover shows weathering, yard needs cleanup/landscaping, small shed and fence appear weathered. Missing or worn finishes are cosmetic and repairable; missing luxury upgrades but no widespread deferred structural finish failure visible."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious life-safety hazards in photos (no collapsed ceilings, no visible active roof leaks, no exposed high-voltage wiring). HVAC unit and electrical meters visible outside. However critical NSPIRE safety checkpoints are not clearly documented in the images: no smoke detectors or CO alarms are visible in photos (likely required in hallway/sleeping area); GFCI outlets in kitchen/bath not shown; bedroom egress windows cannot be confirmed for size/egress compliance from photos. There is a visible roadside drainage/culvert depression adjacent to the driveway that is a potential trip/fall hazard. Because missing smoke/CO detectors or improper egress commonly fail initial inspections, score reduced despite otherwise sound condition."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Roof / Plumbing / Electrical)",
"score": 80.0,
"rationale": "Listing states roof ~8 years old, HVAC ~7 years old and septic replaced ~2022; those ages indicate relatively recent major system work. Exterior HVAC condenser and meter banks are present and appear serviceable. No visible signs of roof sagging or major water intrusion in interior photos. Water heater and interior plumbing fixtures not shown; plumbing assumed functional due to recent septic and intact interior bathroom doorway visible. Electrical panel not photographed but exterior meter cluster present. Overall systems risk appears low based on listing age info and visible equipment."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large, fenced yard and outbuilding/shed present. Brick exterior appears in good condition; vinyl siding on one gable is intact. Site issues: cracked driveway with surface displacement, roadside drainage ditch/culvert cut next to driveway (erosion/trip hazard), some yard grading and erosion visible. Chain-link fencing intact but weathered. No visible infestation or major foundation displacement from exterior photos."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in interior photos — common cause of initial inspection failure.",
"Uncertain bedroom egress compliance (window size/egress not verifiable) — possible inspection issue.",
"Driveway/roadside drainage depression/culvert at driveway edge — trip/fall and drainage hazard that should be remediated.",
"GFCI protection in kitchen/bath not visible — may require updates to meet NSPIRE/local code."
],
"confidence": 0.7,
"assumptions": [
"Listing statements are accurate: roof ~8 years old, HVAC ~7 years old, septic replaced ~2022.",
"Interior mechanical systems (water heater, plumbing) are functional unless otherwise indicated; no interior photos show active water stains or damage.",
"No smoke detectors or CO alarms are visible in provided photos; assume they are either absent or not shown and may need installation.",
"Electrical panel is present and intact (meter bank visible) but internal condition and presence of required breakers/GFCIs not verified from photos.",
"Bedrooms have standard windows; egress compliance (opening size) could not be confirmed from images and is assumed uncertain.",
"No evidence of major foundation movement or roof sagging in provided photos; assume no significant structural defects visible externally."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA ranch appears structurally intact and largely rent-ready with mostly minor/cosmetic repairs and system verification needed. Positive indicators: recent septic (2022), HVAC ~7 yrs, roof ~8 yrs, intact brick exterior, functioning kitchen appliances present, and a clean interior with good floors. Primary inspection risks are missing/undocumented smoke and CO detectors, the roadside/driveway ditch (trip and drainage hazard), and undocumented GFCI/outlet protection and water heater/plumbing operation. These issues are likely fixable within a short timeframe (few days to a couple weeks) except that documentation/verification for mechanical systems may take coordination. Overall the property rates as a minor-repair rental candidate likely passable after addressing detector installation, small electrical/plumbing verifications, and correcting the driveway/ditch hazard.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show clean, intact walls, painted ceilings, and hardwood floors in good condition; kitchen has working stove and refrigerator present (minor cosmetic wear on cabinets). Exterior shows cracked driveway and some concrete deterioration at curb/driveway edge and worn carport — easy-to-fix, mostly cosmetic and capital items. Listing notes recent septic (2022), HVAC ~7yrs and roof ~8yrs which reduces immediate capital risk. No evidence of collapsed ceilings, exposed subfloor, or severe interior deterioration. Overall repair needs appear minor to moderate and largely cosmetic/capital."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No visible smoke or CO detectors in interior photos (not photographed) — detectors are required by NSPIRE; entry door appears to have two locks which suggests a deadbolt present. Electrical meters and HVAC disconnect appear intact at exterior; no obvious exposed wiring in photos. Windows appear to be standard and likely provide egress for bedrooms, but bedroom-specific egress not directly confirmed. Exterior shows an open roadside drainage ditch/eroded area adjacent to the driveway/curb that is a trip/fall hazard and could collect water. No visible mold, active roof leaks, collapsed ceilings, or major foundation cracks in photos. GFCI outlets, hot water, plumbing function, and smoke/CO detector placement are unknown and assumed to need verification; absence of visible detectors will likely require correction prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 80.0,
"rationale": "Listing states HVAC installed ~7 years ago and condenser is visible in photos — likely serviceable for inspection. Roof age stated ~8 years and appears flat/level in photos with no obvious sagging or missing shingles visible from provided angles. Septic system reported replaced ~2022 (positive). Exterior electric meters and service appear intact. Water heater, main plumbing risers and drainage were not photographed; no visible signs of water intrusion or drain backups. Based on visible equipment ages and lack of obvious failures, major systems appear generally sound but require standard documentation/operational checks (hot water, pilot/ignition, HVAC operation, electrical panel labeling)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Property sits on a large, mostly level lot with chain link fencing and a shed; yard is tidy and free of heavy debris or obvious infestation. Driveway concrete is cracked and there is a prominent roadside/driveway ditch/erosion channel adjacent to the curb that presents a safety/trip and drainage concern. Carport and small porch/entry areas show some wear but appear functional. Siding and brick appear intact; some cosmetic aging to siding addition. Overall exterior is serviceable but needs attention to driveway edges, drainage/erosion control, and minor concrete repairs."
}
],
"red_flags": [
"Open roadside/driveway drainage ditch and erosion adjacent to driveway — trip/fall hazard and potential drainage issue that should be mitigated before inspection.",
"Smoke and carbon monoxide detectors not visible in photos — required for NSPIRE/Section 8 and must be installed/verified.",
"Driveway edge concrete failure and curb depression create a trip hazard and may require repair."
],
"confidence": 0.7,
"assumptions": [
"Listing notes are accurate: septic replaced in 2022, HVAC approximately 7 years old, roof approximately 8 years old.",
"Stove and refrigerator shown in photos are included and operable at move-in; hot water heater and interior plumbing are present and functional unless discovered otherwise during inspection.",
"No interior smoke/CO detectors were visible in photos; assume detectors are either missing or not clearly located and will need verification/installation.",
"No severe hidden structural issues (foundation movement, major roof leaks, or collapsed ceilings) exist beyond what is visible in exterior and interior photos.",
"Bedrooms have standard windows that provide egress, though specific bedroom egress dimensions were not verified from photos.",
"Electrical panel and service are functional though interior labeling, GFCI location, and AFCI requirements were not confirmed from photos."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed, 1-bath brick ranch appears structurally sound and likely to pass a Housing Choice Voucher (NSPIRE) inspection after a short list of minor fixes. Strengths: relatively new roof (~8 yrs), HVAC (~7 yrs), recent septic (2022), functioning appliances present, intact exterior brick and yard fencing. Primary inspection risks: no visible smoke/CO alarms, unknown presence of required GFCI outlets, missing verification of hot water and electrical panel condition, and a trip hazard/open ditch at the front curb/driveway. Expect a likely pass after addressing life-safety items (install/verify smoke & CO detectors, GFCI devices as required), repairing/mitigating driveway/ditch hazard, and confirming mechanicals during a pre-inspection (1–4 weeks of work depending on contractor access).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Property photos and listing show a generally maintained ranch with intact hardwood floors, painted walls, functioning kitchen with stove and refrigerator present, and no visible interior structural damage. Cosmetic deferred items visible: older kitchen cabinets/countertops, worn carport, cracked driveway concrete and some curb-edge erosion, and minor exterior trim wear. Missing/old cosmetic finishes reduce score moderately but are easy-to-fix capital items. Appliances are present so loss of score for missing appliances is minimal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "Visible evidence of life-safety items is limited in photos. No smoke detectors or CO alarms are visible in living areas or bedrooms (NSPIRE requires functioning smoke alarms), and GFCI protection in kitchen/bath is not visible. Entry door has a knob but no visible deadbolt in photos. No exposed wiring or collapsed ceilings were observed. Exterior curb/driveway area shows an open shallow ditch at the curb which is a trip hazard. Because smoke/CO alarms and GFCI outlets are required and cannot be confirmed, the property has a measurable NSPIRE risk that will likely require minor repairs/installs before inspection can pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states HVAC ~7 years old and roof ~8 years old; photos show an exterior central AC unit present and brick roofline with no apparent sagging. Septic reportedly replaced ~2022 per listing; a raised access/riser is visible in yard. No visible signs of active roof leaks, sagging structure, or standing water. Electrical service and meter are visible on the exterior wall; interior panel not shown. Water heater and plumbing fixtures are not pictured but bathroom and laundry areas are present. Based on listing ages and visible equipment, systems appear serviceable but some items (panel, water heater, functional test of HVAC/hot water) will need verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Yard is large, mostly level/sloping away from house, chain-link fencing and shed present. Brick exterior looks sound and crawl vents visible. Issues noted: driveway and parking area show cracking and erosion at the curb (trip hazard, possible storm runoff path), an open shallow ditch at the street edge that should be mitigated, and some worn metal carport structure. No evidence of active infestation, major foundation displacement, or collapsed elements visible in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — NSPIRE requires functioning alarms and missing units will cause inspection failure.",
"Open/shallow ditch and erosion at the front curb/driveway — creates a trip hazard and may be cited by inspector.",
"GFCI protection in kitchen/bathrooms not visible — lack of GFCI could be cited and must be confirmed/installed."
],
"confidence": 0.65,
"assumptions": [
"Listing statements are accurate: roof ~8 years old, HVAC ~7 years old, septic replaced ~2022.",
"Interior plumbing and water heater are present and provide hot water (not pictured) unless inspection reveals otherwise.",
"Bedrooms have compliant egress windows (standard single-story ranch layout) though not all windows are shown.",
"Electrical service is standard and without obvious hazards; interior electrical panel and GFCI outlets will be tested during inspection (not visible in photos).",
"No significant hidden mold or pest infestation exists because no staining, widespread damage, or droppings are visible in photos; however unshown areas (crawlspace, attic) were not inspected.",
"Entry door may lack a visible deadbolt in photos but a compliant lock can be installed quickly if required."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2417 Pine Cone Cir, Tarrant, AL, 35217",
"aggregate": {
"summary": "Overall the property appears structurally sound and close to rent-ready. Recent major systems (roof, HVAC, septic) per listing reduce system risk. Primary inspection risks are code-level items that cannot be confirmed from photos: presence/placement of smoke and CO detectors, GFCI protection, and bedroom egress sizing. Exterior driveway cracking and a roadside drainage depression near the driveway are site hazards that should be corrected. With installation/verification of required detectors, minor kitchen/bath GFCI checks, and remediation of the driveway/ditch hazard, the property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Interior photos show generally sound cosmetic condition: intact hardwood floors, painted ceilings and walls, functioning-looking kitchen appliances (stove & refrigerator present), updated vinyl kitchen flooring and intact cabinets. Exterior brick and siding appear intact. Observable deferred items: cracked/uneven driveway, carport metal cover shows weathering, yard needs cleanup/landscaping, small shed and fence appear weathered. Missing or worn finishes are cosmetic and repairable; missing luxury upgrades but no widespread deferred structural finish failure visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large, fenced yard and outbuilding/shed present. Brick exterior appears in good condition; vinyl siding on one gable is intact. Site issues: cracked driveway with surface displacement, roadside drainage ditch/culvert cut next to driveway (erosion/trip hazard), some yard grading and erosion visible. Chain-link fencing intact but weathered. No visible infestation or major foundation displacement from exterior photos."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious life-safety hazards in photos (no collapsed ceilings, no visible active roof leaks, no exposed high-voltage wiring). HVAC unit and electrical meters visible outside. However critical NSPIRE safety checkpoints are not clearly documented in the images: no smoke detectors or CO alarms are visible in photos (likely required in hallway/sleeping area); GFCI outlets in kitchen/bath not shown; bedroom egress windows cannot be confirmed for size/egress compliance from photos. There is a visible roadside drainage/culvert depression adjacent to the driveway that is a potential trip/fall hazard. Because missing smoke/CO detectors or improper egress commonly fail initial inspections, score reduced despite otherwise sound condition."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Roof / Plumbing / Electrical)",
"score": 78.3,
"rationale": "Listing states roof ~8 years old, HVAC ~7 years old and septic replaced ~2022; those ages indicate relatively recent major system work. Exterior HVAC condenser and meter banks are present and appear serviceable. No visible signs of roof sagging or major water intrusion in interior photos. Water heater and interior plumbing fixtures not shown; plumbing assumed functional due to recent septic and intact interior bathroom doorway visible. Electrical panel not photographed but exterior meter cluster present. Overall systems risk appears low based on listing age info and visible equipment."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in interior photos — common cause of initial inspection failure.",
"Uncertain bedroom egress compliance (window size/egress not verifiable) — possible inspection issue.",
"Driveway/roadside drainage depression/culvert at driveway edge — trip/fall and drainage hazard that should be remediated.",
"GFCI protection in kitchen/bath not visible — may require updates to meet NSPIRE/local code."
],
"confidence": 0.91,
"assumptions": [
"Listing statements are accurate: roof ~8 years old, HVAC ~7 years old, septic replaced ~2022.",
"Interior mechanical systems (water heater, plumbing) are functional unless otherwise indicated; no interior photos show active water stains or damage.",
"No smoke detectors or CO alarms are visible in provided photos; assume they are either absent or not shown and may need installation.",
"Electrical panel is present and intact (meter bank visible) but internal condition and presence of required breakers/GFCIs not verified from photos.",
"Bedrooms have standard windows; egress compliance (opening size) could not be confirmed from images and is assumed uncertain.",
"No evidence of major foundation movement or roof sagging in provided photos; assume no significant structural defects visible externally."
],
"score_method": "mean_of_criteria",
"overall_score": 72.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8598028461"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.