Property ID: 8624423050
153 Elaine Dr, Westwego, LA, 70094
Westwego, LA
Money Down: $23,760
CoC Return: 54.75%
Monthly Cash Flow: $1,084
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,800
Closing Costs
$3,960
Total Down
$23,760
Investment Snapshot
Purchase Price
$99,000
Money Down
$23,760
Cash-on-Cash Return
54.75%
Rent
$2,002
Monthly Cash Flow
$1,084
Annual Cash Flow
$13,009
Debt Service / Mo
$527
Property Tax / Mo
$78
Insurance / Mo
$113
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,002
Payment Standard
$2,328
Rent
$2,002
Insurance
$113
Property Tax
$78
Management
$200
Utilities Allowance
$326
NOI (Monthly)
$1,611
Debt Service
$527
Cash Flow After Debt
$1,084
Quality Score: 65.50%
Confidence: 95.00%
This bank-owned 4BR/2BA single-story house appears structurally sound in photos with mostly cosmetic and finish repairs required. Major visible issues are loose/missing floor tiles/planks (trip hazard), stained tub/dated bath fixtures, some missing trim/finish work, and incomplete floor transitions. Safety-wise a smoke detector is present but CO detector and GFCI protection are not visible; electrical panel, water heater and HVAC operation are not documented and should be tested. With targeted repairs (secure/replace loose flooring, confirm/repair HVAC and hot water, install/confirm smoke/CO/GFCI protection, add deadbolt, clean/repair bathroom fixtures, replace/confirm kitchen appliances as needed) this property is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. No obvious structural red flags (sagging, major foundation movement, active leaks, collapsed ceilings) are visible in the photos, but system verification is required.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$326
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$99,000
Beds
4
Baths
2
Living Area
1,750 sqft
Lot Size
5,201 sqft
Year Built
1980
Days on Market
13
Capital Outlay
$23,760
Debt Service
$527
Property Tax / Mo
$78
Insurance / Mo
$113
Property Description
Bank-owned foreclosure opportunity at 153 Elaine Dr in Westwego offering 4 bedrooms, 2 bathrooms, and approximately 1,750 sq ft of living space. This single-story home features a functional layout with a spacious living area and decorative fireplace, an open kitchen and dining area, and a separate den or flex space in the rear. Interior includes a mix of tile and wood-style flooring with good natural light throughout. The kitchen offers ample cabinet space and is ready for updates to suit your style. All bedrooms are well-sized, including a spacious primary. Exterior features include a covered front porch, off-street parking, and a large fenced backyard. Solid opportunity for investors or buyers looking to add value in an established Westwego/Avondale area with easy access to major roadways and local amenities.
Utility Allowances
Heating
$79
Selected 'natural_gas' for a 4-bedroom unit. The property details explicitly state 'Gas: Natural' and 'Heating: Yes'.
Cooking
$14
Selected 'natural_gas' for a 4-bedroom unit. The property has natural gas service, which is the most common and economical fuel for a range/oven when available.
Water Heating
$27
Selected 'natural_gas' for a 4-bedroom unit. Fuel type was inferred from the availability of natural gas for heating and cooking, which is a common and economical configuration.
Other Electric
$77
Selected the fixed allowance for a 4-bedroom unit. This covers general electricity use, including lights, outlets, and central air conditioning.
Water
$50
Selected the fixed allowance for a 4-bedroom unit. The property details specify 'Water Source: Public'.
Sewer
$54
Selected the fixed allowance for a 4-bedroom unit. The property details specify 'Sewer: City' and 'Public Sewer'.
Trash Collection
$25
Selected the fixed allowance for a 4-bedroom unit, as this is a standard municipal service for a single-family home.
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$1,325
DP3 Annual Estimate$1,386
DP1 Monthly Equivalent$110
DP3 Monthly Equivalent$116
Replacement Value$44,100
Basis1,750 sqft / 1980
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156 Elvie Ct
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4 bd / 2 ba · 1,412 sqft
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149 Becky Dr
for_sale · 0.15 mi
Price: $87,500
3 bd / 2 ba · 1,000 sqft
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Latest rent: —
Photo unavailable
113 Winnona Dr
off_market · 0.16 mi
Price: $185,000
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Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC exists and vents visible indicate a forced-air system; operation has not been verified.
- No active roof leaks or recent flood damage beyond what is visible in photos.
- Water heater and electrical panel exist and are accessible but were not photographed; their condition is unknown.
- Only the pictured appliances are present (a range is shown; no refrigerator is visible). Missing refrigerator is assumed but treated as a moderate repair item.
- Bedrooms have usable egress windows based on visible window sizes, but measurements/locks were not verified.
- Property is vacant and accessible for repairs.
- No severe hidden mold, termite, or structural damage beyond visible wear — if present, score would drop significantly.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $907 | $69,100 | $6,910 |
| 2024 | $904 | $69,100 | $6,910 |
| 2023 | $1,849 | $134,900 | $13,490 |
| 2022 | $1,805 | $134,900 | $13,490 |
| 2021 | $1,706 | $134,900 | $13,490 |
| 2020 | $1,694 | $134,900 | $13,490 |
| 2019 | $1,750 | $134,900 | $13,490 |
| 2018 | $582 | $48,000 | $4,800 |
| 2017 | $809 | $69,100 | $6,910 |
| 2016 | $795 | $69,100 | $6,910 |
| 2015 | $806 | $69,100 | $6,910 |
| 2014 | $797 | $69,100 | $6,910 |
| 2013 | $796 | $69,100 | $6,910 |
| 2010 | $766 | $67,400 | $6,740 |
| 2009 | $728 | $67,400 | $6,740 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-09-21 | Sold | — |
| 2019-01-25 | Sold | — |
| 2017-09-01 | Sold | — |
Photo Gallery
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"source_name": "NewOrleans",
"price_change": -21000,
"days_after_listed": null,
"source_listing_id": "2093349",
"price_change_percentage": null
},
{
"date": "2017-03-03",
"price": 76000,
"listing": {
"status": "off_market",
"list_date": "2017-03-03T07:00:00Z",
"list_price": 55000,
"listing_id": "618472363",
"last_update_date": "2017-09-01T17:29:00Z",
"last_status_change_date": "2017-09-01T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 53.03558967201675,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2093349",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8624423050",
"generated_at": "2026-03-27T02:51:06.960672Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 65.5
},
"utility_allowance": {
"zip_code": "70094",
"home_photo": "https://ap.rdcpix.com/4650fc6301a4363dcb02405b877d3372l-m3287530835s-w1280.jpg",
"rent_price": 2002.0,
"loan_amount": 79200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/153-Elaine-Dr_Westwego_LA_70094_M86244-23050",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 99000.0,
"loan_term_years": 30,
"annual_cash_flow": 19331.89,
"mortgage_monthly": 526.92,
"payment_standard": 2328.0,
"total_amount_out": 19800.0,
"additional_photos": [
"https://ap.rdcpix.com/4650fc6301a4363dcb02405b877d3372l-m711808416s-w1280.jpg",
"https://ap.rdcpix.com/4650fc6301a4363dcb02405b877d3372l-m2761259121s-w1280.jpg",
"https://ap.rdcpix.com/4650fc6301a4363dcb02405b877d3372l-m2396228838s-w1280.jpg",
"https://ap.rdcpix.com/4650fc6301a4363dcb02405b877d3372l-m30736943s-w1280.jpg",
"https://ap.rdcpix.com/4650fc6301a4363dcb02405b877d3372l-m402025486s-w1280.jpg",
"https://ap.rdcpix.com/4650fc6301a4363dcb02405b877d3372l-m1704692109s-w1280.jpg",
"https://ap.rdcpix.com/4650fc6301a4363dcb02405b877d3372l-m44426433s-w1280.jpg",
"https://ap.rdcpix.com/4650fc6301a4363dcb02405b877d3372l-m1550154411s-w1280.jpg",
"https://ap.rdcpix.com/4650fc6301a4363dcb02405b877d3372l-m3736071040s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 112.96,
"monthly_cash_flow": 1610.99,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'natural_gas' for a 4-bedroom unit. The property details explicitly state 'Gas: Natural' and 'Heating: Yes'.",
"utility": "Heating",
"allowance": 79
},
{
"note": "Selected 'natural_gas' for a 4-bedroom unit. The property has natural gas service, which is the most common and economical fuel for a range/oven when available.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Selected 'natural_gas' for a 4-bedroom unit. Fuel type was inferred from the availability of natural gas for heating and cooking, which is a common and economical configuration.",
"utility": "Water Heating",
"allowance": 27
},
{
"note": "Selected the fixed allowance for a 4-bedroom unit. This covers general electricity use, including lights, outlets, and central air conditioning.",
"utility": "Other Electric",
"allowance": 77
},
{
"note": "Selected the fixed allowance for a 4-bedroom unit. The property details specify 'Water Source: Public'.",
"utility": "Water",
"allowance": 50
},
{
"note": "Selected the fixed allowance for a 4-bedroom unit. The property details specify 'Sewer: City' and 'Public Sewer'.",
"utility": "Sewer",
"allowance": 54
},
{
"note": "Selected the fixed allowance for a 4-bedroom unit, as this is a standard municipal service for a single-family home.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.98,
"down_payment_amount": 19800.0,
"property_tax_annual": 934.21,
"property_tax_monthly": 77.85,
"property_tax_increase": 0.03,
"utility_allowance_total": 326.0,
"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": 13008.86,
"property_management_monthly": 200.2,
"monthly_cash_flow_after_debt": 1084.07,
"cash_on_cash_return_after_debt": 0.66
},
"section8_assessment": {
"runs": [
{
"summary": "This bank-owned 4BR/2BA single-story house appears structurally sound in photos with mostly cosmetic and finish repairs required. Major visible issues are loose/missing floor tiles/planks (trip hazard), stained tub/dated bath fixtures, some missing trim/finish work, and incomplete floor transitions. Safety-wise a smoke detector is present but CO detector and GFCI protection are not visible; electrical panel, water heater and HVAC operation are not documented and should be tested. With targeted repairs (secure/replace loose flooring, confirm/repair HVAC and hot water, install/confirm smoke/CO/GFCI protection, add deadbolt, clean/repair bathroom fixtures, replace/confirm kitchen appliances as needed) this property is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. No obvious structural red flags (sagging, major foundation movement, active leaks, collapsed ceilings) are visible in the photos, but system verification is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Photos show a mostly intact interior with recent cosmetic work (paint, new-looking LVP in many rooms) but visible deferred finish work: multiple floor planks/tiles are loose or missing in the rear living area causing trip hazards and unfinished transitions; baseboard/trim damage and missing in spots; bathroom tub is stained and vanity is small/dated; kitchen appears partially finished with backsplash but minimal appliances (a range is present, no refrigerator shown). Porch railings and fence show wear but are serviceable. Overall mostly cosmetic and finish work; missing fridge and a few fixtures reduce score moderately but not catastrophically."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Visible safety items: a smoke detector is visible in a bedroom photo and bedrooms appear to have operable windows for egress. No exposed wiring, active water intrusion, or collapsed ceilings are visible. Deficiencies/risks: no carbon monoxide detector seen (may be required), GFCI outlets in kitchen/bath not visible, loose/uneven flooring in rear room is a trip hazard, front door deadbolt not apparent in photos, and the bathtub shows heavy staining (may indicate maintenance/cleaning issue). Electrical panel and emergency egress from all bedrooms not documented. These unknowns and the flooring hazard keep the risk at moderate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Central HVAC registers/ceiling return are visible, indicating presence of a forced‑air system, but no equipment (condensing unit/furnace/water heater/electrical panel) is shown or tested. Roof shingles appear aged but intact with no visible sag or active leak evidence. Plumbing fixtures are present though hot water and water heater condition are undocumented. Electrical panel condition and grounding/GFCI presence are unknown. Given visible vents but lack of equipment verification and some unfinished interior work, systems are rated as moderate risk pending functional tests."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Front and rear photos show a fully fenced backyard, covered front porch, concrete drive/parking, and intact siding. Yard appears level and free of standing water in photos. Fence appears recently replaced in areas and overall site is tidy. Minor exterior wear (porch railing paint/wear, older roof shingles) is visible but no major foundation settlement, significant siding damage, or drainage issues are evident from photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC exists and vents visible indicate a forced-air system; operation has not been verified.",
"No active roof leaks or recent flood damage beyond what is visible in photos.",
"Water heater and electrical panel exist and are accessible but were not photographed; their condition is unknown.",
"Only the pictured appliances are present (a range is shown; no refrigerator is visible). Missing refrigerator is assumed but treated as a moderate repair item.",
"Bedrooms have usable egress windows based on visible window sizes, but measurements/locks were not verified.",
"Property is vacant and accessible for repairs.",
"No severe hidden mold, termite, or structural damage beyond visible wear — if present, score would drop significantly."
],
"overall_score": 65.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "This bank-owned single-story 4BR/2BA home appears structurally sound in photos and would likely pass a Section 8 (NSPIRE) initial inspection after addressing mid-level repair items. Primary needs before leasing: repair/replace damaged flooring and transitions (trip hazards), finish trim/paint patches, service/verify HVAC and water heater, install/verify CO detector and GFCI protection where required, address bathroom tub and grout, and correct porch/trim deterioration. No obvious major structural or life-safety failures were visible, but system operation (electrical panel, HVAC, hot water) must be confirmed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 62.0,
"rationale": "Photos show mostly cosmetic finishes in fair condition but multiple visible deferred items: several areas of flooring are damaged, misaligned or missing (living/dining/family room), baseboard and trim have scuffs and missing sections, bathroom tub is stained/discolored and tile grout looks aged, paint touch-ups and patching are needed (interior wall patching visible), porch railings and front trim need paint/repair. A stove is present but no refrigerator is shown. These are largely repair/cosmetic and medium-effort carpentry/finish work rather than structural failures, so score is in the upper-moderate range."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 68.0,
"rationale": "Positive: a mounted smoke detector is visible in interior photos, windows in bedrooms appear to provide egress, no obvious standing water, no collapsed ceilings, no visible exposed live wiring in photos, doors/windows present and appear lockable. Areas of concern: no visible carbon monoxide alarm (if required locally), GFCI protection in kitchen/bath not visible, some flooring transitions and missing floor planks create trip hazards, bathroom finishes and tub discoloration suggest need to verify hot water and plumbing function, fireplace and chimney require safety check/clearance if to be used. Overall there are controllable safety issues likely correctable prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Roof shingles appear intact in exterior photos with no visible active leaks; HVAC supply registers and a ceiling vent are visible suggesting central HVAC is present but operational status is unverified. Water heater, electrical panel and furnace/AC equipment are not shown. Plumbing fixtures are present but condition (hot water, water heater, drains) is unverified. Given presence of vents and absence of visible roof or structural failures, systems appear present but need functional verification and likely minor service."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior photos show a complete fenced backyard, level yard, paved drive with off-street parking, covered front porch and generally intact siding and foundation lines in photos. Rear fence looks recently replaced or in good repair. Front porch railings and some trim need paint/repair. No evidence of major site drainage failure, significant foundation settlement, or exterior structural damage visible in provided images."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists (ceiling vent visible) but its operational status has not been verified from photos.",
"Water heater and electrical panel are present on property but not shown; assumed functional but require testing.",
"No refrigerator is visible in photos; stove is present. Tenant-supplied or owner-supplied refrigerator will be needed for full rental readiness.",
"No active roof leaks or foundation movement are apparent in photos; hidden issues could exist but were not evident in provided images.",
"Smoke detector visible in hallway likely indicates at least one detector; additional detectors and CO alarm (if required locally) may be needed to meet NSPIRE code.",
"GFCI outlets in kitchen and bathrooms are not visible and should be tested/installed if absent.",
"No evidence of severe mold, pest infestation, or water intrusion was seen in photos; photos may not show concealed areas."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE_v1.0_2026-03"
},
{
"summary": "This bank‑owned 4BR/2BA single‑family home shows a sound basic structure and serviceable exterior with moderate cosmetic and finish deficiencies inside. Visible issues are primarily flooring (loose/missing planks and uneven transitions), trim/baseboard work, a stained tub and some unfinished or damaged finishes. Systems appear present (venting indicates central HVAC) but cannot be fully verified from photos. Safety items such as smoke detection are partly confirmed, but CO detector and GFCI outlets are not shown. Likely to pass a Housing Choice Voucher/NSPIRE initial inspection after addressing trip hazards (secure/replace loose flooring), verifying and installing required detectors (CO if required), confirming GFCI protection, and completing a short list of cosmetic/finish repairs. Estimated time to rent‑ready after scope of work: 1–4 weeks for cosmetic/repairs and system verifications; if HVAC or major system repairs are needed, additional time may be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 65.0,
"rationale": "Interior photos show generally intact finishes but clear deferred cosmetic and finish work: several rooms have incomplete or uneven flooring (loose/missing planks and transition gaps), baseboard/trim missing or damaged in places, stained bathtub and worn vanity, and paint/finish touchups needed. Kitchen cabinets appear intact but there is no visible refrigerator (stove present). Porch railings and fence show wear but are serviceable. These are mostly moderate, fixable items (cosmetic and finish work) that will require carpentry and replacement materials but not structural reconstruction."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible major electrical faults). A smoke detector is visible on a bedroom/hall ceiling in photos. However, CO detector presence is not shown (important if gas appliances are used), GFCI protection at kitchen and bath outlets is not evident, and several flooring transition areas have loose/uneven boards that are a trip hazard. Exterior doors appear to lock, though deadbolt presence is not confirmed in photos. Given visible trip hazards and unknowns around CO/GFCI coverage, there is moderate risk for an NSPIRE inspection without some corrections/confirmations."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 60.0,
"rationale": "Photos show ceiling supply/return vents and ceiling fans indicating a central HVAC system likely exists, but no outside condenser or furnace/water heater is shown and their operational status is unknown. Roof shingles appear aged but intact with no visible active leaks in interior photos; however age suggests near‑term replacement planning. Plumbing fixtures are present though tub staining and incomplete trim around bath may indicate prior moisture exposure. Electrical panel is not pictured so breaker condition and labeling cannot be confirmed. Because major systems are present or implied but not verifiably operational from images, score reflects moderate uncertainty and the need for basic system checks (HVAC service, water heater verification, electrical panel inspection)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 80.0,
"rationale": "Exterior shows an intact roofline, covered front porch, fenced backyard and off‑street parking. Driveway and walkways are serviceable. The wooden privacy fence appears recently replaced or in good repair on one side; other fence sections show typical wear but are standing. No visible foundation settlement, major siding damage, or standing water at the perimeter in the provided photos. Yard and access appear safe and secure."
}
],
"red_flags": [
"Exposed/unfinished or loose flooring with missing planks and uneven transitions (trip hazard and potential subfloor exposure).",
"Stained bathtub and missing/unfinished trim near bath and rear room — possible prior moisture intrusion that needs verification.",
"No photo evidence of CO detector and no confirmed GFCI protection at kitchen/bath outlets (safety/electrical compliance risk until confirmed)."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is connected because ceiling supply/return vents and ceiling registers are visible in multiple interior photos.",
"No exterior HVAC condenser, electrical panel, water heater, or refrigerator photos were provided; their presence and operational condition are unknown.",
"Stove/range is present (seen in kitchen); refrigerator is not shown and likely not included.",
"Smoke detector is present (visible in at least one bedroom/hall photo); CO detector and GFCI outlet presence are not visible and are assumed absent until verified.",
"Roof is aged but not actively leaking — no interior water stains or sagging ceilings are visible in the images.",
"No obvious foundation movement or structural sagging is visible from the provided exterior and interior photos.",
"Missing or uneven floor planks visible in photos constitute exposed subfloor or loose flooring in at least one main living area, creating a trip hazard."
],
"overall_score": 66.0,
"rubric_version": "ns_2026_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "153 Elaine Dr, Westwego, LA, 70094",
"aggregate": {
"summary": "This bank-owned 4BR/2BA single-story house appears structurally sound in photos with mostly cosmetic and finish repairs required. Major visible issues are loose/missing floor tiles/planks (trip hazard), stained tub/dated bath fixtures, some missing trim/finish work, and incomplete floor transitions. Safety-wise a smoke detector is present but CO detector and GFCI protection are not visible; electrical panel, water heater and HVAC operation are not documented and should be tested. With targeted repairs (secure/replace loose flooring, confirm/repair HVAC and hot water, install/confirm smoke/CO/GFCI protection, add deadbolt, clean/repair bathroom fixtures, replace/confirm kitchen appliances as needed) this property is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. No obvious structural red flags (sagging, major foundation movement, active leaks, collapsed ceilings) are visible in the photos, but system verification is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Photos show a mostly intact interior with recent cosmetic work (paint, new-looking LVP in many rooms) but visible deferred finish work: multiple floor planks/tiles are loose or missing in the rear living area causing trip hazards and unfinished transitions; baseboard/trim damage and missing in spots; bathroom tub is stained and vanity is small/dated; kitchen appears partially finished with backsplash but minimal appliances (a range is present, no refrigerator shown). Porch railings and fence show wear but are serviceable. Overall mostly cosmetic and finish work; missing fridge and a few fixtures reduce score moderately but not catastrophically."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 76.7,
"rationale": "Front and rear photos show a fully fenced backyard, covered front porch, concrete drive/parking, and intact siding. Yard appears level and free of standing water in photos. Fence appears recently replaced in areas and overall site is tidy. Minor exterior wear (porch railing paint/wear, older roof shingles) is visible but no major foundation settlement, significant siding damage, or drainage issues are evident from photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 64.3,
"rationale": "Visible safety items: a smoke detector is visible in a bedroom photo and bedrooms appear to have operable windows for egress. No exposed wiring, active water intrusion, or collapsed ceilings are visible. Deficiencies/risks: no carbon monoxide detector seen (may be required), GFCI outlets in kitchen/bath not visible, loose/uneven flooring in rear room is a trip hazard, front door deadbolt not apparent in photos, and the bathtub shows heavy staining (may indicate maintenance/cleaning issue). Electrical panel and emergency egress from all bedrooms not documented. These unknowns and the flooring hazard keep the risk at moderate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Central HVAC registers/ceiling return are visible, indicating presence of a forced‑air system, but no equipment (condensing unit/furnace/water heater/electrical panel) is shown or tested. Roof shingles appear aged but intact with no visible sag or active leak evidence. Plumbing fixtures are present though hot water and water heater condition are undocumented. Electrical panel condition and grounding/GFCI presence are unknown. Given visible vents but lack of equipment verification and some unfinished interior work, systems are rated as moderate risk pending functional tests."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Central HVAC exists and vents visible indicate a forced-air system; operation has not been verified.",
"No active roof leaks or recent flood damage beyond what is visible in photos.",
"Water heater and electrical panel exist and are accessible but were not photographed; their condition is unknown.",
"Only the pictured appliances are present (a range is shown; no refrigerator is visible). Missing refrigerator is assumed but treated as a moderate repair item.",
"Bedrooms have usable egress windows based on visible window sizes, but measurements/locks were not verified.",
"Property is vacant and accessible for repairs.",
"No severe hidden mold, termite, or structural damage beyond visible wear — if present, score would drop significantly."
],
"score_method": "mean_of_criteria",
"overall_score": 65.5,
"rubric_version": "ns_prep_v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8624423050"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.