Property ID: 8659554532
118 Redstone Dr, Birmingham, AL, 35215
Birmingham, AL
Money Down: $26,880
CoC Return: 19.05%
Monthly Cash Flow: $427
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,400
Closing Costs
$4,480
Total Down
$26,880
Investment Snapshot
Purchase Price
$112,000
Money Down
$26,880
Cash-on-Cash Return
19.05%
Rent
$1,270
Monthly Cash Flow
$427
Annual Cash Flow
$5,121
Debt Service / Mo
$596
Property Tax / Mo
$42
Insurance / Mo
$78
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,270
Payment Standard
$1,738
Rent
$1,270
Insurance
$78
Property Tax
$42
Management
$127
Utilities Allowance
$468
NOI (Monthly)
$1,023
Debt Service
$596
Cash Flow After Debt
$427
Quality Score: 71.60%
Confidence: 92.00%
Overall the home appears to be in good, mostly move-in condition with cosmetic wear and some unknown system items. The property is likely to pass an initial HCV/NSPIRE inspection after basic, short-turn preparations (install/verify smoke and CO detectors, provide missing kitchen appliances or document landlord-provided status, confirm GFCI protection in kitchen/baths, and verify HVAC/water heater operation). Key risks are lack of visible detectors, potential egress obstruction at lower-level security bars, and unconfirmed GFCI/electrical panel condition. No visible structural failures or active leaks were observed.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$468
Guaranteed Section 8 Rent (PS - Utilities)
$1,270
Property Management
$127
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$112,000
Beds
3
Baths
2
Living Area
1,570 sqft
Lot Size
10,019 sqft
Year Built
1971
Days on Market
3
Capital Outlay
$26,880
Debt Service
$596
Property Tax / Mo
$42
Insurance / Mo
$78
Property Description
Welcome to this 1570 Sq Ft home with 3 Bedrooms & 2 FULL Baths. OPEN concept living room & kitchen with pretty Crown Molding & LVP flooring. 2 BATHS with Tile Shower in Master Bath & Tile surround in other bath. Spacious DEN down. Double Pane Windows. Open Deck with fenced backyard.
Utility Allowances
Heating
$38
Property details indicate 'Natural Gas' for heating. Selected 'N'Gas: Spire' as the most likely provider.
Cooling
$22
Property details specify 'Electric' central cooling. Selected 'A/C: Alabama Power' as the most likely major provider.
Cooking
$21
Property details list an 'Stove-Electric'. Selected 'Elec: Ala Power' as the corresponding provider.
Water Heating
$56
Property details list an 'Electric Water Heater'. Selected 'Elec: Ala Power' as the corresponding provider.
Other Electric
$68
This covers general electric use for lights and outlets. Selected 'Lights, Ref, Etc.: Ala Power' as the most likely provider.
Water
$78
Property details state 'Public Water'. Selected 'Water: Birmingham' based on the property's city.
Sewer
$151
Property details state 'Sewer: Connected'. The allowance is a fixed value from the schedule for a 3-bedroom unit.
Trash Collection
$20
Property requires trash collection. A specific provider for Birmingham was not available, so the general 'Jefferson City' option was chosen.
Refrigerator
$8
A refrigerator was not listed as provided, so the tenant-paid allowance is included.
Range/Microwave
$6
A microwave was not listed as provided, so the tenant-paid allowance 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$783
DP3 Annual Estimate$1,087
DP1 Monthly Equivalent$65
DP3 Monthly Equivalent$91
Replacement Value$100,000
Basis1,570 sqft / 1971
Nearby Houses
Photo unavailable
125 Redstone Dr
for_sale · 0.05 mi
Price: $144,900
3 bd / 2 ba · 1,042 sqft
Latest sale: $175,662 on Nov 29, 2021
Latest rent: $1,280 on Jul 25, 2023
Photo unavailable
109 Redstone Dr
sold · 0.05 mi
Price: $157,500
3 bd / 2 ba · 1,100 sqft
Latest sale: $157,500 on Jan 17, 2025
Latest rent: —
Photo unavailable
117 Redstone Way
sold · 0.07 mi
Price: $149,000
3 bd / 2 ba · 1,589 sqft
Latest sale: $149,000 on Oct 20, 2021
Latest rent: $1,345 on Dec 04, 2024
Photo unavailable
116 Redstone Way
sold · 0.09 mi
Price: $160,000
3 bd / 2 ba · 1,138 sqft
Latest sale: $160,000 on May 20, 2022
Latest rent: —
Photo unavailable
935 Von Dale Ln
sold · 0.10 mi
Price: $140,500
3 bd / 2 ba · 1,474 sqft
Latest sale: $140,500 on Nov 06, 2020
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in interior photo (required — likely inspection item).
- Lower-level security bars / gate visible that could obstruct emergency egress for lower-level window/door (potential NSPIRE fail if used as bedroom).
- Kitchen appliances not shown (empty appliance cavity) — needs landlord provision or installation prior to tenancy.
- GFCI protection in kitchen/bath not verifiable from photos (inspection risk).
- Built in 1971 — potential lead-based paint risk requiring assessment/clearance if children under 6 will occupy.
Assumptions
- HVAC system is present and functional (thermostat visible in photo) though not directly shown operating.
- Water heater and main plumbing are present and functional (two full baths listed) but not photographed.
- Electrical panel and service are intact and meet code unless noted otherwise; no exposed wiring seen in photos.
- Missing kitchen appliances (refrigerator/stove) are not present in photos; landlord may provide or will be easily installed prior to move-in.
- No visible peeling paint or mold in provided photos; interior paint assumed intact though pre-1978 construction creates potential lead-based paint risk.
- Deck and fenced backyard exist per listing but were not photographed; assumed serviceable unless inspection finds otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2017 | $492 | $77,800 | $7,780 |
| 2016 | $492 | $77,800 | $7,780 |
| 2015 | $492 | $77,800 | $7,780 |
| 2013 | $462 | $76,100 | $7,620 |
| 2012 | $1,021 | $72,400 | $14,480 |
| 2011 | $1,245 | $88,500 | $17,700 |
| 2010 | $548 | $88,500 | $8,850 |
| 2009 | $548 | $88,500 | $8,850 |
| 2008 | $576 | $92,500 | $9,250 |
| 2007 | $552 | $89,100 | $8,910 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2012-01-03 | Sold | $69,900 |
| 2010-03-31 | Sold | $64,000 |
Photo Gallery
Show raw JSON (debug)
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"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 71.6
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/67fd3de8dc923c79f64a5002d8912898l-m356014363s-w1280.jpg",
"rent_price": 1270.0,
"loan_amount": 89600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/118-Redstone-Dr_Birmingham_AL_35215_M86595-54532",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 112000.0,
"loan_term_years": 30,
"annual_cash_flow": 12274.24,
"mortgage_monthly": 596.11,
"payment_standard": 1738.0,
"total_amount_out": 22400.0,
"additional_photos": [
"https://ap.rdcpix.com/67fd3de8dc923c79f64a5002d8912898l-m3583809630s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 77.92,
"monthly_cash_flow": 1022.85,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property details indicate 'Natural Gas' for heating. Selected 'N'Gas: Spire' as the most likely provider.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property details specify 'Electric' central cooling. Selected 'A/C: Alabama Power' as the most likely major provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property details list an 'Stove-Electric'. Selected 'Elec: Ala Power' as the corresponding provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property details list an 'Electric Water Heater'. Selected 'Elec: Ala Power' as the corresponding provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This covers general electric use for lights and outlets. Selected 'Lights, Ref, Etc.: Ala Power' as the most likely provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property details state 'Public Water'. Selected 'Water: Birmingham' based on the property's city.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details state 'Sewer: Connected'. The allowance is a fixed value from the schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Property requires trash collection. A specific provider for Birmingham was not available, so the general 'Jefferson City' option was chosen.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator was not listed as provided, so the tenant-paid allowance is included.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave was not listed as provided, so the tenant-paid allowance is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.55,
"down_payment_amount": 22400.0,
"property_tax_annual": 506.76,
"property_tax_monthly": 42.23,
"property_tax_increase": 0.03,
"utility_allowance_total": 468.0,
"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": 2017,
"annual_cash_flow_after_debt": 5120.91,
"property_management_monthly": 127.0,
"monthly_cash_flow_after_debt": 426.74,
"cash_on_cash_return_after_debt": 0.23
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the home appears to be in good, mostly move-in condition with cosmetic wear and some unknown system items. The property is likely to pass an initial HCV/NSPIRE inspection after basic, short-turn preparations (install/verify smoke and CO detectors, provide missing kitchen appliances or document landlord-provided status, confirm GFCI protection in kitchen/baths, and verify HVAC/water heater operation). Key risks are lack of visible detectors, potential egress obstruction at lower-level security bars, and unconfirmed GFCI/electrical panel condition. No visible structural failures or active leaks were observed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Photos show generally sound interior finishes (crown molding, painted walls, cabinetry) and LVP flooring called out in listing. Exterior brick and siding are intact but have surface staining and weathering. Front entry steps and metal railings appear structurally serviceable. Listing/photos do not show kitchen appliances (empty fridge cavity visible) — missing appliances reduce readiness moderately but are an easy-to-fix capital expense. No visible major cosmetic damage (holes, collapsed surfaces) that would require extensive rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 65.0,
"rationale": "No visible exposed wiring, loose/failed stairs or collapsed ceilings in photos. Entry has a security door and metal railings on steps. Double-pane windows visible which should aid egress, but a lower-level opening has decorative/security bars/gates visible which could impede emergency egress if lower level is a sleeping room — potential egress concern. No smoke or CO detectors are visible in the provided interior photo (cannot confirm presence), and GFCI protection in kitchen/bath cannot be confirmed from photos. No visible active leaks, mold, or severe peeling paint. Because multiple required safety items are not visually confirmed, score reduced to reflect inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Roof shingles appear intact with no visible sagging or obvious leak indicators from exterior photo. Gutters and a downspout are present. A thermostat is visible in the interior photo, indicating an HVAC system is likely present, though operational status is unconfirmed. Water heater, electrical panel, and plumbing/heating operation are not shown — these unknowns reduce score. No visible signs of major system failure in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Exterior brick and siding are serviceable though discolored in places; roof appears in fair condition. Driveway/walkway and front steps are intact. There is a fenced backyard and an open deck per listing (deck not photographed), which is positive for tenant use. Yard slopes to the street but no visible standing water or major erosion. Some cosmetic maintenance (cleaning siding, minor landscaping) recommended."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photo (required — likely inspection item).",
"Lower-level security bars / gate visible that could obstruct emergency egress for lower-level window/door (potential NSPIRE fail if used as bedroom).",
"Kitchen appliances not shown (empty appliance cavity) — needs landlord provision or installation prior to tenancy.",
"GFCI protection in kitchen/bath not verifiable from photos (inspection risk).",
"Built in 1971 — potential lead-based paint risk requiring assessment/clearance if children under 6 will occupy."
],
"confidence": 0.6,
"assumptions": [
"HVAC system is present and functional (thermostat visible in photo) though not directly shown operating.",
"Water heater and main plumbing are present and functional (two full baths listed) but not photographed.",
"Electrical panel and service are intact and meet code unless noted otherwise; no exposed wiring seen in photos.",
"Missing kitchen appliances (refrigerator/stove) are not present in photos; landlord may provide or will be easily installed prior to move-in.",
"No visible peeling paint or mold in provided photos; interior paint assumed intact though pre-1978 construction creates potential lead-based paint risk.",
"Deck and fenced backyard exist per listing but were not photographed; assumed serviceable unless inspection finds otherwise."
],
"overall_score": 71.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "This 3 bed / 2 bath split-level house appears generally well maintained with mostly cosmetic issues. Roofing, siding, trim, and interior finishes look serviceable. Primary inspection risks are missing/uncertain life-safety items (smoke/CO detectors, GFCI outlets) and unverified major systems (HVAC, water heater, electrical panel). No visible structural or roof-sagging defects. With verification/installation of detectors, confirmation of egress, and a basic systems check (HVAC, water heater, panel), the property is likely to pass an initial HCV/NSPIRE inspection after minor repairs and documentation — overall readiness estimated as minor repairs required, likely rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Exterior and interior photos show a generally well-maintained split-level home with intact siding/brick, intact roofline, and finished interior trim/crown molding. Minor cosmetic issues visible: dirt/staining on vinyl siding, small paint/patch marks on interior trim, and worn landscaping/driveway edges. No collapsed ceilings, exposed subfloor, or major visible interior damage. Listing notes updated surfaces (LVP flooring, tile showers). No appliances are visible in the provided photos; missing appliances would be an easy-to-fix, capital-only item and reduce readiness moderately but not catastrophically. Overall condition appears minor-repair level."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Photos do not show smoke or CO detectors, and GFCI protection at kitchen outlets is not visible; these items are required and commonly cause inspection failures if absent. Entry has a security/metal door (provides security) and there are handrails at front steps; railings appear intact. No visible exposed wiring, no visible active water intrusion or roof sagging. Year built 1971 raises a potential lead-based paint risk on exterior/interior painted surfaces; however surfaces appear painted/recently touched up. Egress windows, electrical panel condition, and hot water presence cannot be confirmed from photos and were assumed functional for scoring. Because required detectors/GFCIs are not shown and egress/alarms are unverified, a moderate safety risk exists until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "Roof appears intact with even shingles and functional gutters visible in exterior photo; no visible active roof leaks or sagging. No HVAC equipment, water heater, or electrical panel is shown in photos; their presence and operational status are unknown. Plumbing fixtures inside kitchen appear in place; no visible leaks or staining. Given the age (1971) some systems may be older but the cosmetic updates suggest at least partial modernization. Lack of visual confirmation of heating/cooling and water heater reduces score to a cautious, moderate level — likely service/verification needed but not suggestive of catastrophic failure."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 72.0,
"rationale": "Front elevation shows brick lower level and vinyl siding upper level that are intact though somewhat dirty/discolored. Gutters and downspouts are present. Entry steps and metal handrails are installed and appear serviceable. Front yard slopes toward the street; some concrete/walkway edges show wear but no standing water visible. Listing mentions an open deck and fenced backyard (not pictured) which is a positive for tenant use. No visible signs of infestation, major foundation cracks, or collapsed retaining elements in the provided photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in photos and are assumed not verified — must be installed/confirmed for inspection.",
"Kitchen appliances (stove, refrigerator) are not visible; assume they may be absent or not pictured. Missing appliances would be capital items and can be supplied without major structural work.",
"HVAC equipment, water heater, and electrical panel are present and operational but not visible in photos; scoring assumes no catastrophic failure but requires verification and possibly service.",
"GFCI protection in kitchen and bathrooms is not visible and is assumed uncertain; installation may be needed to meet NSPIRE requirements.",
"Listing statement that deck is open and backyard fenced is accurate though deck/fence not shown in provided photos.",
"No active roof leaks, major foundation movement, or collapsed structure are present — inferred from straight roofline, intact siding, and no visible interior ceiling damage in photos."
],
"overall_score": 70.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the subject is in good cosmetic condition with intact roof, functioning-looking envelope, and modest exterior wear. The home appears likely to pass a Housing Choice Voucher (NSPIRE) inspection after standard pre-listing checks and minor fixes: verify/install smoke and CO detectors, confirm/upgrade GFCI in kitchen/baths as required, confirm appliances or provide them, and confirm HVAC/water heating functionality. No major structural or life-threatening hazards visible in photos. Expected timeline to become rent-ready: within 2–4 weeks for documentation and minor work; up to 30 days if small system repairs are needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos and listing show generally well-maintained cosmetic condition: LVP flooring, painted trim, crown molding, intact cabinets, tile baths (per listing). Minor visible scuffs/paint blemishes on trim and minor exterior siding discoloration; front steps/brick show surface wear but appear serviceable. Listing does not confirm appliances; kitchen photo does not clearly show range/refrigerator — missing appliances would be an easy-to-fix, capital-only item and reduce readiness moderately. No evidence of major deferred maintenance. Overall defects appear cosmetic or small repairs (paint touch-up, possibly appliance provision, light fixture/outlet cover checks) rather than structural."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 70.0,
"rationale": "No visible exposed wiring, loose/absent handrails (handrails present at entry stairs), nor collapsed ceilings. Entry has security/metal door and visible dead-latch hardware (security door present). Thermostat visible suggesting heating system present. However, smoke detectors and carbon monoxide alarms are not visible in photos; GFCI outlet presence in kitchen/baths cannot be confirmed from images. Basement/lower window areas show security grilles which could impede egress if any below-grade room is a bedroom — egress windows not verifiable. No visible active leaks, standing water, or severe mold in photos. Because detectors and GFCI cannot be confirmed, there is moderate NSPIRE risk requiring verification/installation; these are generally rectifiable quickly but are inspection-critical."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 72.0,
"rationale": "Roof shingles and gutters appear intact with no visible sagging or missing shingles in provided exterior photo. Thermostat visible inside indicating presence of HVAC; condition and age not shown. No visible electrical panel or water heater to inspect; kitchen outlets have covers. Plumbing fixtures and hot water operation not verifiable from photos. Given no visual evidence of system failure and intact roof, likelihood of operational systems is moderate to good but requires on-site verification (HVAC service, water heater, electrical panel labeling). These items are potentially repairable but could take some contractor time if issues found."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brick and siding appear intact; gutters present and connected. Front steps have metal railings; steps appear structurally sound though small surface wear and staining visible. Yard is sloped; driveway and walkways visible and appear serviceable. Fenced backyard and open deck are listed (deck not photographed), which are positive for tenant usability. Minor exterior cleaning/pressure-wash and possible paint touch-ups recommended. No visible infestation signs, large foundation cracks, or major drainage pooling evident in photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Appliances (range/refrigerator) are not clearly visible in photos; assume they may be missing or not guaranteed and would need verification or installation.",
"HVAC is present because a thermostat is visible; assume forced-air HVAC but operational condition is unverified.",
"No active roof leaks or interior water damage beyond what is visible in photos; absence of ceiling stains is taken as no active leak.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or need relocation/verification to meet NSPIRE placement requirements.",
"GFCI protection in kitchen/bathrooms is not visible; assume verification required and possible installation.",
"Bedrooms have adequate egress per listing but basement/lower-level openings with security bars may not be egress-compliant if used as sleeping rooms — assume main bedrooms are upper-level with compliant windows.",
"Electrical panel and water heater exist but were not photographed; assume serviceable until on-site inspection confirms condition.",
"Listing statement about deck and fenced backyard is accurate though deck condition was not visible in supplied photos."
],
"overall_score": 74.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "118 Redstone Dr, Birmingham, AL, 35215",
"aggregate": {
"summary": "Overall the home appears to be in good, mostly move-in condition with cosmetic wear and some unknown system items. The property is likely to pass an initial HCV/NSPIRE inspection after basic, short-turn preparations (install/verify smoke and CO detectors, provide missing kitchen appliances or document landlord-provided status, confirm GFCI protection in kitchen/baths, and verify HVAC/water heater operation). Key risks are lack of visible detectors, potential egress obstruction at lower-level security bars, and unconfirmed GFCI/electrical panel condition. No visible structural failures or active leaks were observed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Photos show generally sound interior finishes (crown molding, painted walls, cabinetry) and LVP flooring called out in listing. Exterior brick and siding are intact but have surface staining and weathering. Front entry steps and metal railings appear structurally serviceable. Listing/photos do not show kitchen appliances (empty fridge cavity visible) — missing appliances reduce readiness moderately but are an easy-to-fix capital expense. No visible major cosmetic damage (holes, collapsed surfaces) that would require extensive rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.0,
"rationale": "Exterior brick and siding are serviceable though discolored in places; roof appears in fair condition. Driveway/walkway and front steps are intact. There is a fenced backyard and an open deck per listing (deck not photographed), which is positive for tenant use. Yard slopes to the street but no visible standing water or major erosion. Some cosmetic maintenance (cleaning siding, minor landscaping) recommended."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 65.0,
"rationale": "No visible exposed wiring, loose/failed stairs or collapsed ceilings in photos. Entry has a security door and metal railings on steps. Double-pane windows visible which should aid egress, but a lower-level opening has decorative/security bars/gates visible which could impede emergency egress if lower level is a sleeping room — potential egress concern. No smoke or CO detectors are visible in the provided interior photo (cannot confirm presence), and GFCI protection in kitchen/bath cannot be confirmed from photos. No visible active leaks, mold, or severe peeling paint. Because multiple required safety items are not visually confirmed, score reduced to reflect inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 69.0,
"rationale": "Roof shingles appear intact with no visible sagging or obvious leak indicators from exterior photo. Gutters and a downspout are present. A thermostat is visible in the interior photo, indicating an HVAC system is likely present, though operational status is unconfirmed. Water heater, electrical panel, and plumbing/heating operation are not shown — these unknowns reduce score. No visible signs of major system failure in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photo (required — likely inspection item).",
"Lower-level security bars / gate visible that could obstruct emergency egress for lower-level window/door (potential NSPIRE fail if used as bedroom).",
"Kitchen appliances not shown (empty appliance cavity) — needs landlord provision or installation prior to tenancy.",
"GFCI protection in kitchen/bath not verifiable from photos (inspection risk).",
"Built in 1971 — potential lead-based paint risk requiring assessment/clearance if children under 6 will occupy."
],
"confidence": 0.92,
"assumptions": [
"HVAC system is present and functional (thermostat visible in photo) though not directly shown operating.",
"Water heater and main plumbing are present and functional (two full baths listed) but not photographed.",
"Electrical panel and service are intact and meet code unless noted otherwise; no exposed wiring seen in photos.",
"Missing kitchen appliances (refrigerator/stove) are not present in photos; landlord may provide or will be easily installed prior to move-in.",
"No visible peeling paint or mold in provided photos; interior paint assumed intact though pre-1978 construction creates potential lead-based paint risk.",
"Deck and fenced backyard exist per listing but were not photographed; assumed serviceable unless inspection finds otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 71.6,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8659554532"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.