Property ID: 8656224717
2088 Carver Dr, Marrero, LA, 70072
Marrero, LA
Money Down: $29,976
CoC Return: 18.80%
Monthly Cash Flow: $470
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,980
Closing Costs
$4,996
Total Down
$29,976
Investment Snapshot
Purchase Price
$124,900
Money Down
$29,976
Cash-on-Cash Return
18.80%
Rent
$1,536
Monthly Cash Flow
$470
Annual Cash Flow
$5,637
Debt Service / Mo
$665
Property Tax / Mo
$120
Insurance / Mo
$128
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,536
Payment Standard
$1,983
Rent
$1,536
Insurance
$128
Property Tax
$120
Management
$154
Utilities Allowance
$447
NOI (Monthly)
$1,134
Debt Service
$665
Cash Flow After Debt
$470
Quality Score: 70.30%
Confidence: 95.00%
Overall this 3BR/2BA single-story home appears livable with mostly cosmetic repairs and a few systems verifications required. The property is likely to pass an initial HCV/NSPIRE inspection after 1–3 weeks of targeted work (install/verify alarms, install missing kitchen appliances or confirm inclusion, address ceiling staining, verify GFCI and electrical panel, confirm HVAC and water heater operation). Major structural failures or life-safety hazards were not observed in the photos provided.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$447
Guaranteed Section 8 Rent (PS - Utilities)
$1,536
Property Management
$154
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$124,900
Beds
3
Baths
2
Living Area
1,640 sqft
Lot Size
5,401 sqft
Year Built
1976
Days on Market
80
Capital Outlay
$29,976
Debt Service
$665
Property Tax / Mo
$120
Insurance / Mo
$128
Property Description
Whether you are looking for your first home or a turnkey rental addition, 2088 Carver Dr delivers value and versatility. This 3-bedroom, 2-bath home features a spacious open floor plan where the kitchen, dining, and living areas flow seamlessly for entertaining or relaxing evenings. The standout feature is the converted garage, providing a onus room that adapts to your needs: create a home office, a media room, or a dedicated play area. Located just minutes from the Westbank Expressway, this property offers easy access to schools, retail, and groceries. A smart buy for homeowners seeking comfort or investors seeking immediate cash flow without the renovation headache.
Utility Allowances
air_conditioning
$32
Property has central air conditioning. The schedule provides a fixed amount for a 3-bedroom unit.
cooking
$10
The property's cooking fuel is not specified. The more expensive 'electric' option was chosen per instructions.
electric_monthly_fee
$26
A fixed monthly fee for having electric service, applicable to all properties with electricity.
gas_monthly_fee
$28
A fixed monthly fee for natural gas service. Included as it is the assumed fuel for heating.
heating
$24
Property has central heating. The fuel type was not specified, so the more expensive 'natural_gas' option was selected per guidelines.
mosquito_monthly_fee
$3
A fixed monthly fee for mosquito control services specified in the local utility schedule.
other_electric
$45
Covers general tenant electric usage for lights and miscellaneous plug-in appliances, based on the 3-bedroom rate.
range
$36
The property listing does not state a range/oven is provided, so it is assumed to be tenant-owned and this allowance applies.
refrigerator
$33
The property listing does not state a refrigerator is provided, so it is assumed to be tenant-owned and this allowance applies.
sewer
$94
The property is connected to the public sewer system. The allowance is based on the 3-bedroom rate from the schedule.
trash_collection
$23
Standard utility for a single-family home. The allowance is a fixed amount from the schedule.
water
$70
The property uses the public water supply. The allowance is based on the 3-bedroom rate from the schedule.
water_heating
$23
The property's water heater fuel is not specified. The more expensive 'electric' option was chosen per instructions.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,533
DP3 Annual Estimate$1,533
DP1 Monthly Equivalent$128
DP3 Monthly Equivalent$128
Replacement Value$87,600
Basis1,640 sqft / 1976
Nearby Houses
Photo unavailable
2080 Carver Dr
for_sale · 0.02 mi
Price: $165,900
3 bd / 2 ba · 1,305 sqft
Latest sale: — on Oct 14, 2025
Latest rent: —
Photo unavailable
2088 Waters Dr Lot 12
off_market · 0.06 mi
Price: $25,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
6569 Benedict Dr Lot 4
for_sale · 0.07 mi
Price: $25,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
6557 Rue Louis Phillipe St Lot 15
for_sale · 0.10 mi
Price: $38,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
2048 Carver Dr
for_sale · 0.11 mi
Price: $179,900
3 bd / 2 ba · 1,465 sqft
Latest sale: — on Mar 30, 2016
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Ceiling discoloration/texture irregularity suggesting prior or potential water intrusion — verify no active leak or mold.
- No photographs of electrical panel, water heater, or HVAC exterior unit — system operability and safety unknown and must be verified.
- Converted garage used as living space — potential permitting/egress/code issues if it serves as a bedroom or sleeping area.
Assumptions
- Photos show the entire unit interior/exterior condition representative of the property (no hidden major areas of damage).
- Central HVAC exists and vents shown indicate an operable system, but the outdoor condenser and water heater were not photographed.
- Absence of a visible range and refrigerator in photos means appliances are likely missing or not shown; assume landlord will need to supply or install.
- Bedroom windows shown meet egress size requirements common for single-story construction unless proven otherwise at inspection.
- Converted garage is finished and weather-tight but may not be a permitted living space; legality/permitting not confirmed and may affect inspection if used as a bedroom.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,400 | $106,400 | $10,640 |
| 2024 | $1,396 | $106,400 | $10,640 |
| 2023 | $814 | $59,400 | $5,940 |
| 2022 | $794 | $59,400 | $5,940 |
| 2021 | $751 | $59,400 | $5,940 |
| 2020 | $735 | $59,400 | $5,940 |
| 2019 | $771 | $59,400 | $5,940 |
| 2018 | $723 | $59,400 | $5,940 |
| 2017 | $696 | $59,400 | $5,940 |
| 2016 | $682 | $59,400 | $5,940 |
| 2015 | $709 | $60,700 | $6,070 |
| 2014 | $701 | $60,700 | $6,070 |
| 2013 | $449 | $41,700 | $4,170 |
| 2012 | $887 | $76,800 | $7,680 |
| 2011 | $884 | $76,300 | $7,630 |
| 2010 | $820 | $76,300 | $7,630 |
| 2009 | $819 | $76,300 | $7,630 |
| 2008 | $817 | — | $7,630 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-07-28 | Sold | — |
| 2023-08-22 | Sold | — |
Photo Gallery
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"price_change_percentage": null
},
{
"date": "2023-08-22",
"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
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8656224717",
"generated_at": "2026-02-16T21:42:44.558544Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 70.3
},
"utility_allowance": {
"zip_code": "70072",
"home_photo": "https://ap.rdcpix.com/5d1cb00233ff1eaba7c5da1225e3f385l-m683475180s-w1280.jpg",
"rent_price": 1536.0,
"loan_amount": 99920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2088-Carver-Dr_Marrero_LA_70072_M86562-24717",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 124900.0,
"loan_term_years": 30,
"annual_cash_flow": 13613.8,
"mortgage_monthly": 664.77,
"payment_standard": 1983.0,
"total_amount_out": 24980.0,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 127.75,
"monthly_cash_flow": 1134.48,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [
"file:///Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/LA270/sources/utility/wp-content_uploads_2026_01_UTILITYALLOW.SINGLE.FAMILY.2026.raster.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central air conditioning. The schedule provides a fixed amount for a 3-bedroom unit.",
"utility": "air_conditioning",
"allowance": 32
},
{
"note": "The property's cooking fuel is not specified. The more expensive 'electric' option was chosen per instructions.",
"utility": "cooking",
"allowance": 10
},
{
"note": "A fixed monthly fee for having electric service, applicable to all properties with electricity.",
"utility": "electric_monthly_fee",
"allowance": 26
},
{
"note": "A fixed monthly fee for natural gas service. Included as it is the assumed fuel for heating.",
"utility": "gas_monthly_fee",
"allowance": 28
},
{
"note": "Property has central heating. The fuel type was not specified, so the more expensive 'natural_gas' option was selected per guidelines.",
"utility": "heating",
"allowance": 24
},
{
"note": "A fixed monthly fee for mosquito control services specified in the local utility schedule.",
"utility": "mosquito_monthly_fee",
"allowance": 3
},
{
"note": "Covers general tenant electric usage for lights and miscellaneous plug-in appliances, based on the 3-bedroom rate.",
"utility": "other_electric",
"allowance": 45
},
{
"note": "The property listing does not state a range/oven is provided, so it is assumed to be tenant-owned and this allowance applies.",
"utility": "range",
"allowance": 36
},
{
"note": "The property listing does not state a refrigerator is provided, so it is assumed to be tenant-owned and this allowance applies.",
"utility": "refrigerator",
"allowance": 33
},
{
"note": "The property is connected to the public sewer system. The allowance is based on the 3-bedroom rate from the schedule.",
"utility": "sewer",
"allowance": 94
},
{
"note": "Standard utility for a single-family home. The allowance is a fixed amount from the schedule.",
"utility": "trash_collection",
"allowance": 23
},
{
"note": "The property uses the public water supply. The allowance is based on the 3-bedroom rate from the schedule.",
"utility": "water",
"allowance": 70
},
{
"note": "The property's water heater fuel is not specified. The more expensive 'electric' option was chosen per instructions.",
"utility": "water_heating",
"allowance": 23
}
],
"cash_on_cash_return": 0.54,
"down_payment_amount": 24980.0,
"property_tax_annual": 1442.0,
"property_tax_monthly": 120.17,
"property_tax_increase": 0.03,
"utility_allowance_total": 447.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 5636.56,
"property_management_monthly": 153.6,
"monthly_cash_flow_after_debt": 469.71,
"cash_on_cash_return_after_debt": 0.23
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3BR/2BA single-story home appears livable with mostly cosmetic repairs and a few systems verifications required. The property is likely to pass an initial HCV/NSPIRE inspection after 1–3 weeks of targeted work (install/verify alarms, install missing kitchen appliances or confirm inclusion, address ceiling staining, verify GFCI and electrical panel, confirm HVAC and water heater operation). Major structural failures or life-safety hazards were not observed in the photos provided.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior and exterior are generally intact with recent paint and finishes; tile and LVP floors are serviceable though dirty/grout worn in places and some baseboard/threshold trimming needed. Kitchen cabinets and counters appear functional but there is no visible range or refrigerator in photos — missing appliances reduce readiness moderately. Ceilings show areas of discoloration/texture irregularity (possible prior water intrusion) that will need patch/paint and investigation. No major structural cracking or collapsed finishes observed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 68.0,
"rationale": "Visible features that support code: entry door with deadbolt, at least one smoke/alarms visible, windows in bedrooms and living areas likely provide egress. No exposed wiring or obvious trip hazards seen. Items not confirmed: presence of smoke detectors in all required sleeping areas, carbon monoxide alarm (if fuel appliances present), GFCI protection at kitchen/bath, condition/location of electrical panel. Ceiling stain/texture may indicate past water intrusion — needs inspection to confirm no active leak or mold. Overall some NSPIRE checklist items cannot be confirmed from photos and are scored as moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 64.0,
"rationale": "Roof shingles appear intact from photos with no visible sagging; interior shows HVAC supply/return vents and a thermostat which suggests central HVAC but no condenser or furnace is shown to confirm operational status. Plumbing fixtures (sink, bathtub/shower) appear installed and recent tile surround looks well done. Water heater and electrical panel were not photographed. Because key systems (HVAC operation, water heater, electrical panel condition, and verified hot water) are unconfirmed, score reflects likely serviceable condition but with inspection-required items."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Curb appeal is good — fresh paint, intact siding and trim, solid front porch and columns. Lot is level with no visible foundation settlement. Driveway has noticeable cracking and grass is overgrown and needs mowing. Converted garage front infill appears weather-tight but conversion/permitting status unknown. No standing water, major erosion, or visible infestation signs in photos."
}
],
"red_flags": [
"Ceiling discoloration/texture irregularity suggesting prior or potential water intrusion — verify no active leak or mold.",
"No photographs of electrical panel, water heater, or HVAC exterior unit — system operability and safety unknown and must be verified.",
"Converted garage used as living space — potential permitting/egress/code issues if it serves as a bedroom or sleeping area."
],
"confidence": 0.6,
"assumptions": [
"Photos show the entire unit interior/exterior condition representative of the property (no hidden major areas of damage).",
"Central HVAC exists and vents shown indicate an operable system, but the outdoor condenser and water heater were not photographed.",
"Absence of a visible range and refrigerator in photos means appliances are likely missing or not shown; assume landlord will need to supply or install.",
"Bedroom windows shown meet egress size requirements common for single-story construction unless proven otherwise at inspection.",
"Converted garage is finished and weather-tight but may not be a permitted living space; legality/permitting not confirmed and may affect inspection if used as a bedroom."
],
"overall_score": 70.0,
"rubric_version": "nsPIRE-2026-1.0"
},
{
"summary": "Overall this single-story 3-bed/2-bath appears to be in good, mostly cosmetic condition and is likely to pass an initial HCV/NSPIRE inspection after a handful of targeted checks and minor fixes. Primary next steps: verify and/or install smoke detectors at required locations, confirm HVAC, water heater and electrical panel operation, install/confirm GFCI protection where required, document bedroom egress clearances, and supply or document presence of required kitchen appliances. Address ceiling staining by investigating for active leaks and repair if needed. With these items addressed, the property should be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 75.0,
"rationale": "Interior finishes look recently painted and overall surfaces are intact. Tile and new-looking laminate flooring present; grout/tiles show dirt and some wear but no large areas of missing finish. Kitchen has cabinets and sink but no visible stove or refrigerator (missing appliances reduce score moderately). Minor cosmetic scuffs on trim and baseboards, cracked driveway concrete, and overgrown lawn/landscaping. Converted garage appears finished from exterior but conversion quality and permit status unknown (cosmetic impact only). Overall repairs appear minor and primarily cosmetic/capital items."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 60.0,
"rationale": "A ceiling-mounted smoke detector is visible in the main living area (positive), and interior doors and windows appear functional. However, there is no photographic confirmation of smoke detectors inside/just outside each sleeping room; carbon monoxide detector is not visible. Ceiling shows faint staining/irregularities in living area which suggests prior water intrusion that should be investigated. No exposed wiring or obvious trip hazards visible. GFCI outlets in kitchen/bath are not clearly shown. Bedroom egress windows appear present but sizes/opening compliance cannot be confirmed from photos. Door hardware appears present; deadbolt presence not verifiable. These unknowns create moderate NSPIRE risk that can be cleared by a short checklist and small fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Ceiling supply/return vents and a thermostat are visible, indicating a central HVAC system is likely installed. No outdoor HVAC condenser, water heater, or electrical panel photos were provided so operational condition is assumed but not verified. Bathroom shows new tile surround and finished fixtures; plumbing fixtures are present. Roof shingles look intact with no visible sagging or missing areas in provided exterior photos. Because key system components were not shown, score reflects likely functionality but with moderate uncertainty—recommend verifying HVAC operation, water heater, and electrical panel prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior paint and siding/stucco appear recently refreshed; porch, columns and entry look sound. Roof visually intact from photos with no visible large failures. Driveway has surface cracking and the yard needs mowing; a large shrub partially obstructs the front that should be trimmed for safe egress and curb appeal. No evidence of standing water, major foundation cracking, collapsed features, or infestation in the images. Gutters/downspouts are not visible and should be checked for drainage adequacy."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (thermostat and vents visible), but condenser and operation were not verified in photos.",
"No fuel-burning appliances were visible; carbon monoxide detector requirement is assumed dependent on presence of gas appliances—CO detector not observed.",
"Electrical panel is present and intact but not photographed; no exposed wiring observed in photos.",
"Bedrooms have egress windows of adequate size, though exact opening dimensions were not confirmed from images.",
"Water heater exists on property though not shown; plumbing fixtures in photos appear functional.",
"Missing stove and refrigerator (not pictured) will be provided prior to tenancy or disclosed as tenant-supplied; lack of appliances is treated as moderate capital work, not an inspection-fatal hazard.",
"Ceiling stains are from prior water intrusion but show no active leakage or structural sagging in photos; a site check is recommended to confirm no active leak."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3 bed/2 bath single-family has good cosmetic condition and appears generally serviceable for a Section 8 initial inspection after minor work. The property is likely to pass NSPIRE with targeted fixes: confirm and/or add smoke detectors in required locations, verify/upgrade bedroom egress windows if necessary (especially the converted garage/long rooms), install/confirm GFCI outlets in kitchen/baths, address cracked driveway trip hazard, and supply missing major appliances if desired for turnkey occupancy. No active structural failure or life‑threatening hazards are visible in photos, but a short on-site verification of HVAC operation, water heater, electrical panel, and egress window dimensions is recommended prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior and exterior appear recently painted and generally intact. Typical cosmetic issues visible: scuffed baseboards, grout discoloration, some cracked tiles and minor floor edge damage, cracked driveway concrete at the approach, and lawn maintenance needed. Listing/photos show no obvious collapsed ceilings, severe water damage, or exposed subfloor. Appliances are not pictured (no stove/refrigerator visible) which reduces turnkey readiness moderately but is a capital/replaceable item rather than a safety failure. Overall the property requires mostly cosmetic and minor repair work to be renter-ready."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "Positive: main entry has a deadbolt, visible HVAC vents, no exposed wiring observed, and visible smoke/alarms in at least one living area. Negative/uncertain: bedroom windows (especially in the converted garage/long narrow rooms) appear small and may not meet egress size requirements for sleeping rooms; smoke/CO detector coverage in each sleeping room and hallway cannot be confirmed from photos; GFCI protection at kitchen sink cannot be verified; a round ceiling patch/stain in living area suggests prior water intrusion that should be inspected. These items represent inspection risk under NSPIRE and local code if not corrected; however nothing in photos indicates an immediate life‑threatening condition."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, roof, electrical, plumbing)",
"score": 70.0,
"rationale": "HVAC supply/return vents are visible, indicating central HVAC likely present. No water heater, electrical panel, or furnace are shown for direct verification. Roof shingles appear aged but intact with no visible sagging or open areas in photos. Bathroom fixtures, tub/shower and kitchen sink are present and appear functional (no visible active leaks). Because critical system components are not photographed, the assessment assumes operability; this produces moderate risk but no immediate system-level failures are visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior paint and siding look recently refreshed; foundation shows no visible major cracks or settlement in images. Driveway concrete is cracked and uneven at the front entry (trip hazard). Yard needs mowing and edging. Converted garage exterior shows finished siding/paint but conversion may affect permitted use/egress. No evidence of standing water, major drainage issues, or exterior infestation in photos."
}
],
"red_flags": [
"Potential inadequate bedroom egress (windows in some rooms appear small; converted garage/long rooms may not meet egress requirements).",
"Smoke/CO detector coverage in every required location cannot be confirmed — may fail NSPIRE if not installed correctly.",
"Cracked/uneven concrete at driveway/entry creates a trip hazard that should be repaired prior to inspection.",
"Converted garage used as habitable space may lack required permits or code-compliant egress — needs verification."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (visible supply/return vents) though equipment itself was not photographed.",
"Water heater and electrical service are present and functional but not shown in photos.",
"Converted garage/bonus room is being marketed as non-sleeping bonus space unless permitted as bedroom; egress and permitting status are unknown.",
"No active roof leaks are present now; ceiling discoloration likely from a past issue that appears repaired or non-active.",
"Stove and refrigerator are not present in the photos and may not be included with the unit; missing appliances are treated as moderate capital items, not automatic safety failures.",
"Windows are operable but bedroom egress size may be insufficient based on visible proportions — dimensions not provided.",
"Smoke detector(s) are present in at least one location (photo evidence) but coverage in all required locations (every sleeping room and hall) is not confirmed."
],
"overall_score": 70.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2088 Carver Dr, Marrero, LA, 70072",
"aggregate": {
"summary": "Overall this 3BR/2BA single-story home appears livable with mostly cosmetic repairs and a few systems verifications required. The property is likely to pass an initial HCV/NSPIRE inspection after 1–3 weeks of targeted work (install/verify alarms, install missing kitchen appliances or confirm inclusion, address ceiling staining, verify GFCI and electrical panel, confirm HVAC and water heater operation). Major structural failures or life-safety hazards were not observed in the photos provided.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Interior and exterior are generally intact with recent paint and finishes; tile and LVP floors are serviceable though dirty/grout worn in places and some baseboard/threshold trimming needed. Kitchen cabinets and counters appear functional but there is no visible range or refrigerator in photos — missing appliances reduce readiness moderately. Ceilings show areas of discoloration/texture irregularity (possible prior water intrusion) that will need patch/paint and investigation. No major structural cracking or collapsed finishes observed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.3,
"rationale": "Curb appeal is good — fresh paint, intact siding and trim, solid front porch and columns. Lot is level with no visible foundation settlement. Driveway has noticeable cracking and grass is overgrown and needs mowing. Converted garage front infill appears weather-tight but conversion/permitting status unknown. No standing water, major erosion, or visible infestation signs in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 64.3,
"rationale": "Visible features that support code: entry door with deadbolt, at least one smoke/alarms visible, windows in bedrooms and living areas likely provide egress. No exposed wiring or obvious trip hazards seen. Items not confirmed: presence of smoke detectors in all required sleeping areas, carbon monoxide alarm (if fuel appliances present), GFCI protection at kitchen/bath, condition/location of electrical panel. Ceiling stain/texture may indicate past water intrusion — needs inspection to confirm no active leak or mold. Overall some NSPIRE checklist items cannot be confirmed from photos and are scored as moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 68.0,
"rationale": "Roof shingles appear intact from photos with no visible sagging; interior shows HVAC supply/return vents and a thermostat which suggests central HVAC but no condenser or furnace is shown to confirm operational status. Plumbing fixtures (sink, bathtub/shower) appear installed and recent tile surround looks well done. Water heater and electrical panel were not photographed. Because key systems (HVAC operation, water heater, electrical panel condition, and verified hot water) are unconfirmed, score reflects likely serviceable condition but with inspection-required items."
}
],
"red_flags": [
"Ceiling discoloration/texture irregularity suggesting prior or potential water intrusion — verify no active leak or mold.",
"No photographs of electrical panel, water heater, or HVAC exterior unit — system operability and safety unknown and must be verified.",
"Converted garage used as living space — potential permitting/egress/code issues if it serves as a bedroom or sleeping area."
],
"confidence": 0.95,
"assumptions": [
"Photos show the entire unit interior/exterior condition representative of the property (no hidden major areas of damage).",
"Central HVAC exists and vents shown indicate an operable system, but the outdoor condenser and water heater were not photographed.",
"Absence of a visible range and refrigerator in photos means appliances are likely missing or not shown; assume landlord will need to supply or install.",
"Bedroom windows shown meet egress size requirements common for single-story construction unless proven otherwise at inspection.",
"Converted garage is finished and weather-tight but may not be a permitted living space; legality/permitting not confirmed and may affect inspection if used as a bedroom."
],
"score_method": "mean_of_criteria",
"overall_score": 70.3,
"rubric_version": "nsPIRE-2026-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8656224717"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.