Property ID: 8674862183
4166 51st Ave N, Birmingham, AL, 35217
Birmingham, AL
Money Down: $20,400
CoC Return: 14.61%
Monthly Cash Flow: $248
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
14.61%
Rent
$940
Monthly Cash Flow
$248
Annual Cash Flow
$2,981
Debt Service / Mo
$452
Property Tax / Mo
$88
Insurance / Mo
$57
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$940
Payment Standard
$1,419
Rent
$940
Insurance
$57
Property Tax
$88
Management
$94
Utilities Allowance
$479
NOI (Monthly)
$701
Debt Service
$452
Cash Flow After Debt
$248
Quality Score: 72.30%
Confidence: 90.00%
Likely Section-8 / HCV passable with minor work. Property is generally clean, recently painted, with hardwood floors and recent major updates (sewer, central A/C, garage/staircase) noted in listing. Main inspection risks are missing/unknown safety items (smoke/CO detectors, GFCI) and unverified mechanical components (water heater, electrical panel). Exterior walkway repair and a few cosmetic fixes are recommended. Expect to be rent-ready within ~2-4 weeks if smoke/CO/GFCI and small exterior repairs are completed; allow additional time if mechanical verifications/repairs are required.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$479
Guaranteed Section 8 Rent (PS - Utilities)
$940
Property Management
$94
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
3
Baths
1
Living Area
1,408 sqft
Lot Size
6,970 sqft
Year Built
1940
Days on Market
21
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$88
Insurance / Mo
$57
Property Description
Great investment opportunity in Tarrant. This 3-bedroom, 1-bath home features hardwood floors throughout and has been recently painted. All-electric utilities with electric heat and A/C. Major updates include a new sewer line in 2024, conversion to central A/C in 2025, and a new internal staircase to the basement garage with new garage door and motor in 2026. Additional updates include fresh interior paint and new blinds. Strong rental potential with low maintenance.
Utility Allowances
Heating
$77
Property has electric heat (per description) and is located in the Tarrant area, which has a specific, more expensive line item ('Elec Heat: Tarrant') in the schedule.
Cooling
$17
Property has central A/C and is located in the Tarrant area, corresponding to the 'A/C: Tarrant' schedule line.
Cooking
$16
Property includes an electric stove and is in the Tarrant area, matching the 'Elec: Tarrant' cooking schedule.
Water Heating
$43
Property has an an 'Electric Water Heater' and is located in the Tarrant area, matching the 'Elec: Tarrant' water heating schedule.
Other Electric
$64
This covers general electricity for lights and outlets. The 'Lights, Ref, Etc.: Tarrant' option was chosen as the property is located in the Tarrant area.
Water
$78
Property has public water. The 'Water: Birmingham' option was selected as the most applicable provider as the property is in Birmingham.
Sewer
$151
Property is connected to public sewer, as stated in the listing. The schedule provides a single fixed rate for sewer service.
Trash Collection
$27
The property is located in the Tarrant area, matching the 'Tarrant City ISCL' option on the schedule.
Range/Microwave (Appliance)
$6
A microwave is not listed as a provided appliance, so an allowance for a tenant-provided unit is included as per the schedule.
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$551
DP3 Annual Estimate$827
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$69
Replacement Value$56,900
Basis1,408 sqft / 1940
Nearby Houses
Photo unavailable
1329 Fulton Ave
sold · 0.03 mi
Price: $35,500
3 bd / 1 ba · 1,044 sqft
Latest sale: $35,500
Latest rent: —
Photo unavailable
5029 41st Way N
sold · 0.04 mi
Price: $30,000
3 bd / 1 ba · 1,434 sqft
Latest sale: $30,000 on Oct 17, 2018
Latest rent: —
Photo unavailable
1341 Fulton Ave
for_sale · 0.04 mi
Price: $89,900
2 bd / 1 ba · 1,008 sqft
Latest sale: $26,500
Latest rent: —
Photo unavailable
5021 41st Way N
off_market · 0.05 mi
Price: $35,000
2 bd / 1 ba · 1,088 sqft
Latest sale: $19,500 on Jan 23, 2013
Latest rent: $500 on Oct 22, 2015
Photo unavailable
1349 Fulton Ave
sold · 0.05 mi
Price: $115,000
3 bd / 2 ba · 1,080 sqft
Latest sale: $115,000 on Nov 30, 2023
Latest rent: $975 on Dec 13, 2022
Photo unavailable
1353 Fulton Ave
sold · 0.06 mi
Price: $71,000
3 bd / 2 ba · 1,064 sqft
Latest sale: $71,000
Latest rent: —
Photo unavailable
5012 N 42nd Pl
sold · 0.07 mi
Price: $52,000
2 bd / 2 ba · 1,224 sqft
Latest sale: $52,000 on Nov 15, 2021
Latest rent: $900 on Jul 23, 2025
Photo unavailable
5019 42nd Pl N
sold · 0.07 mi
Price: $73,500
3 bd / 1 ba · 876 sqft
Latest sale: $73,500 on Jun 09, 2022
Latest rent: $1,100 on Aug 22, 2024
Photo unavailable
1346 Fulton Ave
sold · 0.07 mi
Price: $69,500
3 bd / 2 ba · 2,576 sqft
Latest sale: $69,500
Latest rent: —
Photo unavailable
4140 51st Ave N
sold · 0.08 mi
Price: $69,900
3 bd / 1 ba · 1,260 sqft
Latest sale: $69,900 on Jan 05, 2021
Latest rent: —
Photo unavailable
1348 Fulton Ave
sold · 0.08 mi
Price: $33,500
2 bd / 1 ba · 1,080 sqft
Latest sale: $33,500
Latest rent: —
Photo unavailable
5015 42nd Pl N
sold · 0.08 mi
Price: $87,500
3 bd / 2 ba · 1,500 sqft
Latest sale: $87,500 on Jun 09, 2023
Latest rent: $1,250 on Mar 13, 2025
Photo unavailable
1313 Park Ave
sold · 0.09 mi
Price: $43,000
3 bd / 1 ba · 1,536 sqft
Latest sale: $43,000
Latest rent: —
Photo unavailable
5008 42nd Pl N
sold · 0.10 mi
Price: $42,500
3 bd / 3 ba · 1,800 sqft
Latest sale: $42,500 on Mar 07, 2017
Latest rent: —
Photo unavailable
5005 42nd Pl N
for_sale · 0.10 mi
Price: $119,900
3 bd / 2 ba · 1,570 sqft
Latest sale: $81,000 on May 09, 2019
Latest rent: —
Photo unavailable
4208 50th Ave N
sold · 0.10 mi
Price: $67,500
3 bd / 1 ba · 1,104 sqft
Latest sale: $67,500 on Nov 14, 2025
Latest rent: $1,200 on Jan 02, 2026
Photo unavailable
4224 50th Ave N
sold · 0.11 mi
Price: $96,600
3 bd / 1 ba · 1,326 sqft
Latest sale: $96,600 on Oct 01, 2025
Latest rent: —
Photo unavailable
4145 50th Ave N
sold · 0.11 mi
Price: $84,900
2 bd / 1 ba · 1,372 sqft
Latest sale: $84,900 on Oct 16, 2020
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statements are accurate: central A/C conversion completed in 2025 and new sewer line installed in 2024.
- Forced-air HVAC is present and operational (inferred from visible floor registers and listing), but the condensing unit and thermostat functionality are not photographed or tested.
- Water heater, electrical panel, GFCI outlets, and smoke/CO alarms exist or will be installed; none were visible in provided photos so their condition is unknown.
- No active roof leaks or major roof deck issues exist beyond what is visible in photos; roof condition inferred as serviceable but not fully verified.
- Basement/garage condition and foundation are not shown; listing's note about a new internal staircase and new garage door (2026) suggests recent attention to that area.
- No major pest/infestation evidence visible, but interiors not fully photographed so hidden issues could exist.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,022 | $70,500 | $14,100 |
| 2023 | $1,022 | $70,500 | $14,100 |
| 2022 | $720 | $49,700 | $9,940 |
| 2021 | $793 | $54,700 | $10,940 |
| 2020 | $756 | $52,200 | $10,440 |
| 2019 | $1,090 | $75,200 | $15,040 |
| 2018 | $941 | $64,900 | $12,980 |
| 2015 | $941 | $64,900 | $12,980 |
| 2013 | $840 | $59,400 | $11,880 |
| 2012 | $903 | $63,900 | $12,780 |
| 2011 | $917 | $64,900 | $12,980 |
| 2010 | $917 | $64,900 | $12,980 |
| 2009 | $917 | $64,900 | $12,980 |
| 2008 | $936 | $66,300 | $13,260 |
| 2007 | $910 | $64,400 | $12,880 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2010-08-06 | Sold | $30,000 |
| 2005-04-12 | Sold | $57,048 |
| 2002-06-28 | Sold | $55,000 |
| 2001-07-16 | Sold | $41,822 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-09-19 | Listed for rent | $925 | — |
| 2013-12-14 | Listed for rent | $650 | — |
Photo Gallery
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"days_after_listed": null,
"source_listing_id": "764465",
"price_change_percentage": null
},
{
"date": "2012-04-25",
"price": 44900,
"listing": {
"status": "off_market",
"list_date": "2007-05-14T07:00:00Z",
"list_price": 44900,
"listing_id": "500070783",
"last_update_date": "2009-02-07T03:05:25Z",
"last_status_change_date": "2009-02-06T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "341161",
"price_change_percentage": null
},
{
"date": "2010-07-12",
"price": 30000,
"listing": null,
"event_name": "Sold",
"price_sqft": 21.306818181818183,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-33.18%"
},
{
"date": "2009-02-21",
"price": 44900,
"listing": {
"status": "off_market",
"list_date": "2007-05-14T07:00:00Z",
"list_price": 44900,
"listing_id": "500070783",
"last_update_date": "2009-02-07T03:05:25Z",
"last_status_change_date": "2009-02-06T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "15 days",
"source_listing_id": "341161",
"price_change_percentage": null
},
{
"date": "2009-02-06",
"price": 44900,
"listing": {
"status": "off_market",
"list_date": "2007-05-14T07:00:00Z",
"list_price": 44900,
"listing_id": "500070783",
"last_update_date": "2009-02-07T03:05:25Z",
"last_status_change_date": "2009-02-06T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "341161",
"price_change_percentage": "-18.36%"
},
{
"date": "2002-06-28",
"price": 55000,
"listing": null,
"event_name": "Sold",
"price_sqft": 39.0625,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Gas permit",
"permit_effective_date": "Mar 4, 2008",
"permit_project_type_1": "Hvac",
"permit_project_type_2": "Plumbing",
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8674862183",
"generated_at": "2026-02-16T03:10:47.476911Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.3
},
"utility_allowance": {
"zip_code": "35217",
"home_photo": "https://ap.rdcpix.com/d1cb7a7592ff4708784317d3152b1213l-m708162289s-w1280.jpg",
"rent_price": 940.0,
"loan_amount": 68000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4166-51st-Ave-N_Birmingham_AL_35217_M86748-62183",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 85000.0,
"loan_term_years": 30,
"annual_cash_flow": 8410.34,
"mortgage_monthly": 452.41,
"payment_standard": 1419.0,
"total_amount_out": 17000.0,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 57.42,
"monthly_cash_flow": 700.86,
"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 has electric heat (per description) and is located in the Tarrant area, which has a specific, more expensive line item ('Elec Heat: Tarrant') in the schedule.",
"utility": "Heating",
"allowance": 77
},
{
"note": "Property has central A/C and is located in the Tarrant area, corresponding to the 'A/C: Tarrant' schedule line.",
"utility": "Cooling",
"allowance": 17
},
{
"note": "Property includes an electric stove and is in the Tarrant area, matching the 'Elec: Tarrant' cooking schedule.",
"utility": "Cooking",
"allowance": 16
},
{
"note": "Property has an an 'Electric Water Heater' and is located in the Tarrant area, matching the 'Elec: Tarrant' water heating schedule.",
"utility": "Water Heating",
"allowance": 43
},
{
"note": "This covers general electricity for lights and outlets. The 'Lights, Ref, Etc.: Tarrant' option was chosen as the property is located in the Tarrant area.",
"utility": "Other Electric",
"allowance": 64
},
{
"note": "Property has public water. The 'Water: Birmingham' option was selected as the most applicable provider as the property is in Birmingham.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is connected to public sewer, as stated in the listing. The schedule provides a single fixed rate for sewer service.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is located in the Tarrant area, matching the 'Tarrant City ISCL' option on the schedule.",
"utility": "Trash Collection",
"allowance": 27
},
{
"note": "A microwave is not listed as a provided appliance, so an allowance for a tenant-provided unit is included as per the schedule.",
"utility": "Range/Microwave (Appliance)",
"allowance": 6
}
],
"cash_on_cash_return": 0.49,
"down_payment_amount": 17000.0,
"property_tax_annual": 1052.66,
"property_tax_monthly": 87.72,
"property_tax_increase": 0.03,
"utility_allowance_total": 479.0,
"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": 2981.47,
"property_management_monthly": 94.0,
"monthly_cash_flow_after_debt": 248.46,
"cash_on_cash_return_after_debt": 0.18
},
"section8_assessment": {
"runs": [
{
"summary": "Likely Section-8 / HCV passable with minor work. Property is generally clean, recently painted, with hardwood floors and recent major updates (sewer, central A/C, garage/staircase) noted in listing. Main inspection risks are missing/unknown safety items (smoke/CO detectors, GFCI) and unverified mechanical components (water heater, electrical panel). Exterior walkway repair and a few cosmetic fixes are recommended. Expect to be rent-ready within ~2-4 weeks if smoke/CO/GFCI and small exterior repairs are completed; allow additional time if mechanical verifications/repairs are required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show recently painted walls, intact hardwood floors and working ceiling fans; porch decking and painted surfaces look recently refreshed. Exterior brick is intact. Minor visible issues: cracked concrete walkway, one window blind/slat damaged, some surface paint wear on porch and steps. Listing notes updates (sewer 2024, A/C 2025, staircase/garage 2026). Kitchen and bathroom not shown—no visible missing appliances in photos. Overall mostly cosmetic and normal wear; easy-to-fix items and no major deferred maintenance evident from photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 68.0,
"rationale": "No exposed wiring visible, electrical meter appears intact, floor registers indicate forced-air HVAC present. Windows appear operable and there are multiple windows for egress in living areas. Exterior porch has a solid half-wall; side exterior steps show a handrail. However, no smoke detectors or carbon monoxide alarms are visible in interior photos (could be present but not shown) and GFCI outlets are not visible in kitchen/bath (not photographed). Walkway cracking is a trip risk. No active leaks, collapsed ceilings, or major structural distress observed. Because several required safety items are not shown, there is inspection risk mainly due to unknowns rather than observed hazards."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states conversion to central A/C in 2025 and shows floor registers consistent with central forced-air; seller also reports new sewer line in 2024 and new garage door/motor 2026. Home is all-electric which reduces gas venting risks. Roof appears shingled and generally intact from photos (no visible sagging or active leaks), though detailed roof condition, water heater, and electrical panel internals are not shown. Given the recent listed system updates and visible evidence of forced-air distribution, systems appear functional but some components (water heater, panel, GFCI, smoke/CO units) need verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick exterior and covered front porch are in good visual condition. Yard slopes down from the street; driveway and front walkway have cracking and uneven sections (trip hazard). Mature trees are close to the roof which could deposit debris; no standing water or obvious drainage pooling is visible. Basement/garage access exists but basement condition not photographed. Overall site shows normal wear for a 1940 home but requires minor repairs and clearing."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (5 yrs)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statements are accurate: central A/C conversion completed in 2025 and new sewer line installed in 2024.",
"Forced-air HVAC is present and operational (inferred from visible floor registers and listing), but the condensing unit and thermostat functionality are not photographed or tested.",
"Water heater, electrical panel, GFCI outlets, and smoke/CO alarms exist or will be installed; none were visible in provided photos so their condition is unknown.",
"No active roof leaks or major roof deck issues exist beyond what is visible in photos; roof condition inferred as serviceable but not fully verified.",
"Basement/garage condition and foundation are not shown; listing's note about a new internal staircase and new garage door (2026) suggests recent attention to that area.",
"No major pest/infestation evidence visible, but interiors not fully photographed so hidden issues could exist."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this bungalow appears to be in good, mostly move-in ready condition for Section 8 tenancy with recent major system updates (new sewer, recent central A/C) and fresh interior painting. Primary risks for an initial NSPIRE inspection are lack of visible smoke detectors, unverified GFCI outlets in kitchen/bath, and the need to confirm functioning hot water and the electrical panel. Exterior trip hazards (cracked walkway) and minor moisture staining at the foundation should be addressed. With installation/verification of smoke alarms, quick checks and minor fixes (GFCI, small window repair, walk repairs), the property is likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 78.0,
"rationale": "Photos and listing show fresh interior paint, new blinds, intact hardwood floors and a recently painted porch deck. Cosmetic wear visible (scuffed floors, paint chips on porch walls), one lower window sash/blind appears damaged in a photo, and concrete walkway has cracking/trip‑surface wear. Listing notes recent major items (sewer, A/C, garage) which reduces deferred maintenance risk. No major interior finish collapse or heavy deterioration visible. Missing kitchen/bath photos — appliances not shown; absence would be an easy-to-fix, capital item and reduces score moderately but does not indicate structural failure."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "No smoke detectors are visible in interior photos (NSPIRE requires operational smoke alarms in primary living areas and bedrooms) — this alone is commonly cited on initial inspections but is an easy fix. Property appears all-electric per listing (electric heat/A/C), reducing CO detector requirement, though CO detector requirement depends on presence of any fuel-burning appliances (not shown). No exposed wiring or obvious electrical hazards visible; interior lighting and ceiling fans appear operational. Porch is elevated but has a solid knee wall rather than a guardrail; stair to side has a handrail present. Possible trip hazard from cracked walkway. GFCI presence in kitchen/bath cannot be confirmed from photos and must be verified. No signs of active roof leaks, major foundation movement, collapsed ceilings, or severe mold observed in provided images."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Listing documents recent system work: new sewer line (2024) and conversion to central A/C (2025) which are strong positives for plumbing and HVAC. Floor vents and ceiling fans visible, indicating electric system is functioning at least to supply lighting and fans. Water heater, electrical panel, range/oven and other mechanicals are not shown — their condition is unknown. Given the age of the house (1940) but recent updates, probability of major system failure is moderate but not high based on evidence provided."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.0,
"rationale": "Exterior brick veneer and porch appear structurally intact with recent paint on trim. Roof shingles visible appear intact from photos with no obvious sagging. Yard slopes toward side/back; some staining/moss along foundation suggests past moisture exposure — drainage should be checked. Sidewalk and front walk have cracks and uneven surfaces that are trip hazards. Vegetation close to foundation on the right side should be cleared to reduce moisture/infestation risk. No visible standing water or major exterior structural cracks noted in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors in interior photos — probable NSPIRE citation if not present/operational.",
"Cracked/uneven front walkway and step/trip hazards leading to entry (safety concern).",
"Moisture staining/moss at foundation base — indicates past water exposure; drainage and foundation should be checked.",
"Unverified GFCI protection in kitchen/bath (not shown) — common NSPIRE fail item if missing.",
"Window with lower sash/blind damage visible in an interior photo — requires repair or replacement."
],
"confidence": 0.7,
"assumptions": [
"Listing text is accurate: central A/C conversion (2025) and new sewer line (2024) were completed as stated and are functional.",
"Property is all-electric (no fuel-burning appliances); therefore carbon monoxide detector may not be required, but presence of any fuel-burning equipment would change CO requirements.",
"No smoke detectors are present in locations visible in photos; if detectors are present but not pictured they will need verifying for placement and operation.",
"Kitchen and bathroom conditions (including presence/condition of stove, refrigerator, water heater, GFCI outlets) are not shown — assumed unknown and must be verified. Missing appliances would be a moderate capital item but not automatically disqualifying.",
"No evidence of active roof leaks, large-scale mold, or major structural movement in provided photos; minor foundation staining indicates past moisture but not necessarily structural failure.",
"Electrical panel, service size, and all outlets were not photographed; assumed to be functional based on interior lighting/ceiling fans but must be inspected."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be a solid candidate for Section 8/HCV tenancy with mostly minor, fixable items. Recent system updates noted in the listing (sewer 2024, central A/C 2025, new garage stairs/door 2026) and the intact interior finishes and hardwood floors support a quick path to pass an initial NSPIRE inspection. Primary concerns to confirm and remediate before inspection: presence/operation of smoke and CO detectors, GFCI protection in kitchen/bath, verify HVAC and hot water operation, repair/replace any broken window glass, and address porch guard height and sidewalk trip hazards. With those verifications and small repairs completed, the home is likely to pass an initial HCV inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Repairs",
"score": 75.0,
"rationale": "Exterior and interior photos show a largely intact, recently painted house with hardwood floors, intact ceilings and a solid front porch. Observable deferred items are cosmetic: porch and deck paint wear, some concrete walkway cracking/trip risk, and at least one lower front window pane appears damaged. No interior finish collapse or heavy water staining is visible. The listing indicates recent updates (new sewer 2024, interior paint, blinds) which reduces risk. Kitchen photos and appliances are not shown; missing appliances would be a moderate fix but not a fatal defect. Overall condition suggests mainly minor cosmetic and finish repairs to be rent-ready."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risks",
"score": 65.0,
"rationale": "No active life‑threatening hazards (collapsed ceilings, standing water, visible major structural sagging) are visible. However several NSPIRE items cannot be confirmed from photos: smoke/CO detectors are not visible, GFCI outlets in kitchen/bath are not shown, and the electrical panel condition is not visible. The front porch uses a low masonry knee wall as the guard — the top of that wall appears lower than modern 36\" guard requirements and may fail a guardrail check depending on exact height. The concrete walkway shows cracking that may be a trip hazard. Windows appear large (likely egress-capable) but bedroom egress is not verifiable. No exposed wiring or active roof leaks are visible. Given these uncertainties, safety/code risk is moderate but fixable."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical)",
"score": 80.0,
"rationale": "Listing states central A/C conversion in 2025 and new sewer line in 2024; photos show exterior meter(s) and no obvious roof failure. That recent work suggests HVAC and sewer are new or recently serviced. The house is all-electric (electric heat/AC) per listing, reducing gas-related venting risks. Water heater, electrical panel and plumbing fixture operation are not shown, so some uncertainty remains. Overall, reported recent system updates and lack of visible system distress support a solid systems score, with recommended verification of HVAC operation, hot water, and electrical panel/GFCI functioning during inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick façade and porch structure appear sound with no clear foundation offsets visible from photos. Roof shingles appear generally intact with no visible large patches or sagging. Yard slopes toward the rear; no visible standing water but drainage patterns can't be fully verified. Sidewalk and porch concrete show cracking and surface wear (trip hazard). Vegetation is close to the structure on the right side and should be trimmed. Overall the exterior is in good, rentable condition with minor site/maintenance items to address."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No smoke detectors or CO alarms visible in photos — inspector will require functioning smoke detectors in required locations.",
"Porch guard (low masonry knee wall) may be under the required guard height and could fail guardrail requirement.",
"Cracked/uneven front sidewalk and porch step edges present trip hazards that should be repaired.",
"At least one front window shows a damaged/lower sash pane which is a safety and weather issue that should be fixed.",
"GFCI protection and electrical panel condition not visible — potential electrical compliance risk until verified."
],
"confidence": 0.7,
"assumptions": [
"Listing statements are accurate: central A/C conversion completed in 2025, new sewer line 2024, and internal staircase/garage door work completed as stated.",
"No active roof leaks or interior water damage exist beyond what is visible in photos (ceilings look intact).",
"Smoke detectors, CO alarms, GFCI outlets and the electrical panel condition are unknown because they are not visible in the photos; they may be absent or non‑compliant and will need verification.",
"Kitchen and laundry appliances are not shown; assume appliances may be missing or not guaranteed to be in working order and should be supplied or tested prior to tenancy.",
"Bedroom window sizes are assumed likely adequate for egress based on visible large windows in front rooms, but exact egress compliance must be measured on inspection.",
"The low masonry knee wall on the porch may not meet current guard height requirements; assumption is based on visual estimate from photos."
],
"overall_score": 78.0,
"rubric_version": "2026-02-16_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4166 51st Ave N, Birmingham, AL, 35217",
"aggregate": {
"summary": "Likely Section-8 / HCV passable with minor work. Property is generally clean, recently painted, with hardwood floors and recent major updates (sewer, central A/C, garage/staircase) noted in listing. Main inspection risks are missing/unknown safety items (smoke/CO detectors, GFCI) and unverified mechanical components (water heater, electrical panel). Exterior walkway repair and a few cosmetic fixes are recommended. Expect to be rent-ready within ~2-4 weeks if smoke/CO/GFCI and small exterior repairs are completed; allow additional time if mechanical verifications/repairs are required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.0,
"rationale": "Interior photos show recently painted walls, intact hardwood floors and working ceiling fans; porch decking and painted surfaces look recently refreshed. Exterior brick is intact. Minor visible issues: cracked concrete walkway, one window blind/slat damaged, some surface paint wear on porch and steps. Listing notes updates (sewer 2024, A/C 2025, staircase/garage 2026). Kitchen and bathroom not shown—no visible missing appliances in photos. Overall mostly cosmetic and normal wear; easy-to-fix items and no major deferred maintenance evident from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 71.0,
"rationale": "Brick exterior and covered front porch are in good visual condition. Yard slopes down from the street; driveway and front walkway have cracking and uneven sections (trip hazard). Mature trees are close to the roof which could deposit debris; no standing water or obvious drainage pooling is visible. Basement/garage access exists but basement condition not photographed. Overall site shows normal wear for a 1940 home but requires minor repairs and clearing."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (5 yrs)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 64.3,
"rationale": "No exposed wiring visible, electrical meter appears intact, floor registers indicate forced-air HVAC present. Windows appear operable and there are multiple windows for egress in living areas. Exterior porch has a solid half-wall; side exterior steps show a handrail. However, no smoke detectors or carbon monoxide alarms are visible in interior photos (could be present but not shown) and GFCI outlets are not visible in kitchen/bath (not photographed). Walkway cracking is a trip risk. No active leaks, collapsed ceilings, or major structural distress observed. Because several required safety items are not shown, there is inspection risk mainly due to unknowns rather than observed hazards."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states conversion to central A/C in 2025 and shows floor registers consistent with central forced-air; seller also reports new sewer line in 2024 and new garage door/motor 2026. Home is all-electric which reduces gas venting risks. Roof appears shingled and generally intact from photos (no visible sagging or active leaks), though detailed roof condition, water heater, and electrical panel internals are not shown. Given the recent listed system updates and visible evidence of forced-air distribution, systems appear functional but some components (water heater, panel, GFCI, smoke/CO units) need verification."
}
],
"red_flags": [],
"confidence": 0.9,
"assumptions": [
"Listing statements are accurate: central A/C conversion completed in 2025 and new sewer line installed in 2024.",
"Forced-air HVAC is present and operational (inferred from visible floor registers and listing), but the condensing unit and thermostat functionality are not photographed or tested.",
"Water heater, electrical panel, GFCI outlets, and smoke/CO alarms exist or will be installed; none were visible in provided photos so their condition is unknown.",
"No active roof leaks or major roof deck issues exist beyond what is visible in photos; roof condition inferred as serviceable but not fully verified.",
"Basement/garage condition and foundation are not shown; listing's note about a new internal staircase and new garage door (2026) suggests recent attention to that area.",
"No major pest/infestation evidence visible, but interiors not fully photographed so hidden issues could exist."
],
"score_method": "mean_of_criteria",
"overall_score": 72.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8674862183"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.