Property ID: 8687014457
6144 Court M, Birmingham, AL, 35228
Birmingham, AL
Money Down: $20,400
CoC Return: 22.39%
Monthly Cash Flow: $381
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
22.39%
Rent
$1,061
Monthly Cash Flow
$381
Annual Cash Flow
$4,568
Debt Service / Mo
$452
Property Tax / Mo
$55
Insurance / Mo
$67
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,061
Payment Standard
$1,584
Rent
$1,061
Insurance
$67
Property Tax
$55
Management
$106
Utilities Allowance
$523
NOI (Monthly)
$833
Debt Service
$452
Cash Flow After Debt
$381
Quality Score: 63.90%
Confidence: 88.00%
This 3-bed, 1-bath house appears structurally intact and largely cosmetically sound — hardwood floors, painted interiors, functioning plumbing fixtures and yard maintenance are positive. Primary inspection risks are missing/uncertain life-safety items (no visible smoke/CO detectors), a trip hazard at the kitchen threshold, damaged bathroom cabinet, lack of a handrail at rear steps, and an older/out-of-place HVAC unit whose function is unknown. Missing appliances (stove/fridge) reduce turnkey readiness but are moderate, fixable items. With targeted corrections (install/verify smoke & CO alarms, secure/cover loose wiring, add handrail, repair vanity, finish threshold, confirm HVAC and hot water operation, install/verify GFCI protection) the property should be able to pass an initial Housing Choice Voucher (Section 8) inspection within ~2–4 weeks.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,061
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
3
Baths
1
Living Area
1,066 sqft
Lot Size
11,761 sqft
Year Built
1950
Days on Market
186
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$55
Insurance / Mo
$67
Property Description
Charming 3-bedroom, 1-bath home offering a great opportunity for investors or homebuyers alike. This well-kept property features a functional layout with a cozy living area. Enjoy the large backyard, perfect for outdoor activities, complete with multiple storage spaces for all your needs. Conveniently located near shopping, dining, and major roadways, this home offers both comfort and potential.
Utility Allowances
Heating
$93
Property has central heating. Fuel type is assumed to be electric as the water heater is electric. Alabama Power is the most common provider for Birmingham.
Cooling
$22
Property has Central Air Conditioning, which is electric. Alabama Power is the most common provider for Birmingham.
Water Heating
$56
Property info explicitly lists an 'Electric Water Heater'. Alabama Power is selected as the most likely provider.
Cooking
$21
No cooking appliance is listed as provided; tenant is assumed to supply their own. Electric is chosen as the fuel type consistent with other electric systems in the home.
Other Electric
$68
Provides an allowance for general electric use, including lights. Alabama Power is selected as the most likely provider.
Refrigerator
$8
The property information does not state a refrigerator is provided, so it is treated as a tenant-paid utility per the rules.
Range/Microwave
$6
The property information does not state a range or microwave is provided, so it is treated as a tenant-paid utility per the rules.
Water
$78
Property info states 'Public Water'. The 'Water: Birmingham' option was selected based on the property's city.
Sewer
$151
Property info states 'Sewer: Connected'. The allowance is based on the 3-bedroom rate from the schedule.
Trash Collection
$20
Trash collection is a standard utility. 'Jefferson City' was selected as the most appropriate general option for a property in Jefferson County.
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$657
DP3 Annual Estimate$949
DP1 Monthly Equivalent$55
DP3 Monthly Equivalent$79
Replacement Value$75,000
Basis1,066 sqft / 1950
Nearby Houses
Photo unavailable
6152 Court M
sold · 0.03 mi
Price: $95,000
3 bd / 2 ba · 1,328 sqft
Latest sale: $95,000 on Jan 07, 2022
Latest rent: —
Photo unavailable
6145 Court M
for_sale · 0.05 mi
Price: $99,000
3 bd / 1 ba · 1,302 sqft
Latest sale: $95,000 on Jul 20, 2023
Latest rent: $1,250 on Sep 05, 2023
Photo unavailable
1235 Pineview Rd
sold · 0.05 mi
Price: $113,000
4 bd / 2 ba · 1,500 sqft
Latest sale: $113,000 on Jul 31, 2023
Latest rent: —
Photo unavailable
1264 Meadow Ln
sold · 0.07 mi
Price: $72,500
3 bd / 1 ba · 984 sqft
Latest sale: $72,500 on May 23, 2025
Latest rent: $1,250 on Jun 03, 2025
Photo unavailable
1254 Meadow Ln
sold · 0.08 mi
Price: $72,000
3 bd / 1 ba · 1,290 sqft
Latest sale: $72,000 on Sep 19, 2022
Latest rent: —
Photo unavailable
1227 Pineview Rd
sold · 0.08 mi
Price: $65,000
2 bd / 1 ba · 842 sqft
Latest sale: $65,000 on Apr 11, 2024
Latest rent: $750 on Oct 31, 2023
Photo unavailable
1317 Pineview Rd
for_sale · 0.09 mi
Price: $105,000
3 bd / 1 ba · 1,115 sqft
Latest sale: $78,189 on Mar 26, 2010
Latest rent: $1,250 on Aug 22, 2024
Photo unavailable
1272 Pineview Rd
sold · 0.10 mi
Price: $60,000
2 bd / 1 ba · 816 sqft
Latest sale: $60,000 on Sep 26, 2025
Latest rent: $975 on Oct 11, 2023
Risk and Criteria Detail
Red Flags
- success
- Electrical hazards — loose/exposed cable at kitchen threshold (potential trip/exposed wiring risk)
- Missing/insufficient smoke detectors and carbon monoxide alarms (none visible in photos)
- Missing/unsafe handrail at rear exterior steps
- Damaged bathroom vanity/cabinet with exposed edges (potential sharp edges and moisture intrusion risk)
- Aging/out-of-place HVAC/exterior equipment (condition and operation uncertain)
Assumptions
- No smoke or carbon monoxide detectors were visible in any interior photos; assume none are installed or not visible/insufficient.
- Central HVAC present due to visible floor registers and outdoor unit(s); assume system may be operational but is aging and should be tested.
- Electrical panel location and overall electrical code compliance were not shown; assume service is present but needs verification and possible updates (GFCI in kitchen/bath).
- Water heater is not visible; assume hot water exists but must be verified during inspection.
- Appliances (stove and refrigerator) are not shown in photos; assume they are not included with the unit and will need to be provided or confirmed.
- No evidence of major roof leaks or structural sagging in photos; assume roof is aged but serviceable until a closer inspection indicates otherwise.
- No active plumbing leaks, severe mold, or pest infestation were visible in provided images; assume none significant but recommend on-site verification.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $640 | $88,300 | $8,840 |
| 2023 | $640 | $88,400 | $8,840 |
| 2022 | $488 | $67,400 | $6,740 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-08-14 | Listed | $85,000 |
Photo Gallery
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},
{
"note": "Trash collection is a standard utility. 'Jefferson City' was selected as the most appropriate general option for a property in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.59,
"down_payment_amount": 17000.0,
"property_tax_annual": 659.2,
"property_tax_monthly": 54.93,
"property_tax_increase": 0.03,
"utility_allowance_total": 523.0,
"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": 4567.73,
"property_management_monthly": 106.1,
"monthly_cash_flow_after_debt": 380.64,
"cash_on_cash_return_after_debt": 0.27
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed, 1-bath house appears structurally intact and largely cosmetically sound — hardwood floors, painted interiors, functioning plumbing fixtures and yard maintenance are positive. Primary inspection risks are missing/uncertain life-safety items (no visible smoke/CO detectors), a trip hazard at the kitchen threshold, damaged bathroom cabinet, lack of a handrail at rear steps, and an older/out-of-place HVAC unit whose function is unknown. Missing appliances (stove/fridge) reduce turnkey readiness but are moderate, fixable items. With targeted corrections (install/verify smoke & CO alarms, secure/cover loose wiring, add handrail, repair vanity, finish threshold, confirm HVAC and hot water operation, install/verify GFCI protection) the property should be able to pass an initial Housing Choice Voucher (Section 8) inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears mostly intact with sound hardwood floors and freshly painted walls; cosmetic wear and minor deferred maintenance visible (damaged bathroom vanity cabinet, unfinished floor transition/threshold at kitchen, scuffed trim). No evidence of collapsed ceilings, large holes, or major structural collapse. Listing/photos show no refrigerator or range installed (stove hookup visible) — missing appliances reduce readiness but are an easy-to-fix capital expense. Overall mostly cosmetic and minor repair items."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not verifiable in photos and several visible concerns lower score: no smoke detectors or carbon monoxide alarms are visible in any interior photos (required), kitchen threshold has exposed/loose trim creating a trip hazard, rear exterior steps lack a visible handrail, and there is an unsecured/loose cable visible at the kitchen threshold (possible electrical hazard). Windows appear likely to meet egress for bedrooms, entry door appears secure but no deadbolt is visible. GFCI presence in kitchen and bathroom not confirmed. No obvious active leaks or major mold visible. These items create moderate inspection risk and will likely require correction before pass."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "There are visible floor registers and an outdoor HVAC assembly, indicating central HVAC is present, but the outdoor equipment appears old and one packaged/white unit looks displaced/aged — condition/function unknown. Electrical service and panel are not shown; no visible exposed main panel but a loose cable is present at threshold. Water heater is not visible in listing photos. Plumbing fixtures (toilet, sink, tub) are present and appear functional but hot water availability unverified. Roof shows aged shingles but no visible sag or active leaks from exterior photos. Systems appear present but condition and code compliance require verification and likely minor repairs/servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front and rear yards are maintained; siding and painted block foundation are intact with no obvious major foundation movement. Driveway and carport are serviceable though aging; covered carport and small garage/shed exist. Trees overhang roofline and debris on secondary shed roof noted (maintenance). Rear shed/garage area looks weathered. There is no visible standing water, significant erosion, or large foundation cracks in provided images. Overall site is serviceable with routine exterior maintenance recommended."
}
],
"red_flags": [
"Electrical hazards — loose/exposed cable at kitchen threshold (potential trip/exposed wiring risk)",
"Missing/insufficient smoke detectors and carbon monoxide alarms (none visible in photos)",
"Missing/unsafe handrail at rear exterior steps",
"Damaged bathroom vanity/cabinet with exposed edges (potential sharp edges and moisture intrusion risk)",
"Aging/out-of-place HVAC/exterior equipment (condition and operation uncertain)"
],
"confidence": 0.65,
"assumptions": [
"No smoke or carbon monoxide detectors were visible in any interior photos; assume none are installed or not visible/insufficient.",
"Central HVAC present due to visible floor registers and outdoor unit(s); assume system may be operational but is aging and should be tested.",
"Electrical panel location and overall electrical code compliance were not shown; assume service is present but needs verification and possible updates (GFCI in kitchen/bath).",
"Water heater is not visible; assume hot water exists but must be verified during inspection.",
"Appliances (stove and refrigerator) are not shown in photos; assume they are not included with the unit and will need to be provided or confirmed.",
"No evidence of major roof leaks or structural sagging in photos; assume roof is aged but serviceable until a closer inspection indicates otherwise.",
"No active plumbing leaks, severe mold, or pest infestation were visible in provided images; assume none significant but recommend on-site verification."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA home presents as a mostly sound, cosmetically worn property with intact structure and usable systems visible. The highest inspection risks are missing/uncertain life‑safety items (no visible smoke/CO detectors, no visible GFCI in kitchen/bath) and an exposed cable/wiring/trip hazard at the kitchen threshold. Mechanical equipment (HVAC) is present but aged and should be verified operational. With targeted fixes — install smoke detectors and CO alarms, add GFCI protection, secure/cover exposed wiring and finish the threshold, repair bathroom vanity and trim, and install missing appliances — the property is likely rentable under Section 8 after 1–4 weeks of work and minimal contractor visits. Recommend immediate pre-inspection: verify electrical panel condition, confirm HVAC operation and hot water, install required detectors, and remediate the exposed wiring/threshold to avoid an automatic fail.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears mostly intact with original hardwoods in fair condition and freshly-painted walls. Observable deferred items: damaged bathroom vanity/cabinet edge, missing threshold/unfinished flooring transition at kitchen entry (trip hazard), some missing/loose baseboard/trim, cosmetic wall scuffs and worn cabinet faces. Kitchen has cabinets, sink and range hood but no visible stove or refrigerator (appliance hookups visible) — missing appliances will require installation but are not catastrophic. Overall repairs are mostly cosmetic and moderate handyman work; likely 1–2 weeks to fix most items, except installing appliances and addressing threshold which may require a short contractor visit."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 45.0,
"rationale": "Multiple NSPIRE safety items are not visible or appear missing: no smoke detectors are visible in photos and no carbon monoxide detector is shown (required where needed), no visible GFCI outlets in kitchen/bath (not shown), exposed cable/wiring at the kitchen threshold (visible and a probable inspector concern), and unfinished threshold creates a trip hazard. Entry door deadbolt not confirmed. Bathroom fixtures present and tub/toilet appear intact. No obvious active water intrusion or collapsed ceilings seen. Because life-safety items (smoke detectors, exposed wiring, GFCI) are likely missing or not verified, this is the primary inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "An outdoor HVAC/compressor and a packaged unit are visible on a slab, indicating an existing forced-air system; unit(s) look aged but present. No water heater or electrical panel is shown in photos. Roof shingles appear aged but no visible sagging or active leaks in interior photos. Plumbing fixtures in bathroom and kitchen are present; hot water availability not confirmed. Because major systems are present but unverified for operation and equipment appears older, allow for mechanical servicing/inspection — moderate risk but not an immediate structural failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front and rear yards are maintained; siding and foundation block are intact with paint. Driveway and carport exist and provide covered parking; carport/driveway concrete shows staining and grass in joints. Detached garage/shed shows roof debris and signs of deterioration (roof panels with leaf/debris and potentially soft decking). Downspouts and gutters appear in place. No visible major foundation movement or severe exterior structural sagging. Some outbuildings will need repair or removal; overall site is serviceable."
}
],
"red_flags": [
"No visible smoke detectors (life-safety item) — inspector will require working smoke alarms in required locations.",
"Exposed wiring/cable at kitchen threshold (visible) — presents electrical/trip hazard and likely fail.",
"No visible GFCI protection in kitchen/bath — code/NSPIRE concern.",
"Unfinished threshold/transition with a trip hazard and visible wiring conduit — likely cited.",
"Aged exterior HVAC equipment and packaged unit present — operational failure possible and should be verified.",
"Detached garage/shed roof and decking show deterioration and debris — potential collapse risk if left unaddressed."
],
"confidence": 0.65,
"assumptions": [
"No smoke detectors or CO alarms are present (none visible in provided photos).",
"Kitchen range and refrigerator are not present (photo shows hookups/empty space).",
"Electrical panel and water heater exist but were not photographed; their condition is unknown.",
"Bedroom egress windows are assumed adequate based on window size in photos but were not measured.",
"HVAC equipment shown outside is assumed to be the primary heating/cooling source but its operational status is unknown.",
"No evidence of active roof leaks or major structural movement in photos; interior ceilings show no collapse or major staining.",
"GFCI protection in kitchen/bath is assumed absent because none are visible in photos."
],
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA single‑family appears largely rental‑ready with mostly cosmetic and capital repairs needed. Hardwood floors and general interior condition are good. Main inspection risks are missing/uncertain smoke & CO detection, unverified GFCI protection, and unknown condition/operation of HVAC and electrical systems. The detached garage/outbuilding shows localized structural deterioration. With verification/installation of smoke/CO detectors, basic electrical and HVAC service, and replacement of missing appliances and a handful of cosmetic repairs, the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears generally intact with solid hardwood floors and fresh paint in many rooms. Cosmetic and finish repairs are needed: damaged bathroom vanity (delaminated corner), threshold/transition damage at kitchen entry, some scuffed trim/baseboards, and likely replacement/installation of missing major appliances (no stove or refrigerator visible). Exterior paint/siding shows wear but is serviceable. These are mostly easy-to-fix or capital items rather than structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, no standing water, no severe visible mold). Bedrooms show windows for egress. However critical safety items are not visible: no smoke detectors or CO alarms are shown; GFCI presence in kitchen/bath not confirmed; electrical panel not shown. Front steps have a short handrail present but condition should be confirmed. These unknowns create moderate inspection risk but are likely remediable quickly."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 55.0,
"rationale": "Plumbing fixtures appear present and functional (toilet, sink, tub). Roof appears intact in photos with no visible sagging or active leaks, but age is unknown. An exterior HVAC package/condenser is present but looks old and may be non‑operational or in need of service; no interior furnace/heat source or water heater is shown. Electrical service/panel not photographed. Systems condition is uncertain enough to be a moderate inspection risk and will require verification/service."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Lot is maintained and yard is clear. Walkway and driveway have minor cracking but are usable. Siding and foundation block appear intact though aged. Carport and detached garage structures are present; detached garage/approach shows decking/threshold deterioration and debris on the roof of an outbuilding — a structural repair is likely required on that outbuilding. Drainage around foundation is not visibly problematic from photos. Overall site is usable but needs some targeted repairs."
}
],
"red_flags": [
"No visible smoke detectors and no visible CO alarm (life‑safety requirement).",
"HVAC unit appears old and possibly non‑operational / no clearly documented heating system visible.",
"Detached garage/outbuilding shows decking/roof deterioration (structural risk to that building)."
],
"confidence": 0.7,
"assumptions": [
"Photos represent current and complete visible areas; no additional interior rooms contain major unseen damage.",
"No smoke detectors or CO alarms are installed (none visible in photos) and will need to be installed if missing.",
"Kitchen and laundry appliances (stove, refrigerator, possibly washer/dryer) are not present and will need to be provided prior to move-in if required by the owner or program.",
"HVAC condenser/unit pictured may be in place but condition and operational status are unknown; assume it may need service or replacement.",
"Electrical service, panel condition, water heater and hot water presence are not shown and must be verified; assume typical mid‑century wiring that may need updates (GFCI in kitchen/bath likely absent).",
"Roof appears intact from photos but age is unknown; assume no active leak unless inspection finds otherwise.",
"Detached garage/outbuilding decking and small roof have deteriorated and likely require repair/replacement."
],
"overall_score": 67.0,
"rubric_version": "ns-pinspect-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6144 Court M, Birmingham, AL, 35228",
"aggregate": {
"summary": "This 3-bed, 1-bath house appears structurally intact and largely cosmetically sound — hardwood floors, painted interiors, functioning plumbing fixtures and yard maintenance are positive. Primary inspection risks are missing/uncertain life-safety items (no visible smoke/CO detectors), a trip hazard at the kitchen threshold, damaged bathroom cabinet, lack of a handrail at rear steps, and an older/out-of-place HVAC unit whose function is unknown. Missing appliances (stove/fridge) reduce turnkey readiness but are moderate, fixable items. With targeted corrections (install/verify smoke & CO alarms, secure/cover loose wiring, add handrail, repair vanity, finish threshold, confirm HVAC and hot water operation, install/verify GFCI protection) the property should be able to pass an initial Housing Choice Voucher (Section 8) inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior appears mostly intact with sound hardwood floors and freshly painted walls; cosmetic wear and minor deferred maintenance visible (damaged bathroom vanity cabinet, unfinished floor transition/threshold at kitchen, scuffed trim). No evidence of collapsed ceilings, large holes, or major structural collapse. Listing/photos show no refrigerator or range installed (stove hookup visible) — missing appliances reduce readiness but are an easy-to-fix capital expense. Overall mostly cosmetic and minor repair items."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front and rear yards are maintained; siding and painted block foundation are intact with no obvious major foundation movement. Driveway and carport are serviceable though aging; covered carport and small garage/shed exist. Trees overhang roofline and debris on secondary shed roof noted (maintenance). Rear shed/garage area looks weathered. There is no visible standing water, significant erosion, or large foundation cracks in provided images. Overall site is serviceable with routine exterior maintenance recommended."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not verifiable in photos and several visible concerns lower score: no smoke detectors or carbon monoxide alarms are visible in any interior photos (required), kitchen threshold has exposed/loose trim creating a trip hazard, rear exterior steps lack a visible handrail, and there is an unsecured/loose cable visible at the kitchen threshold (possible electrical hazard). Windows appear likely to meet egress for bedrooms, entry door appears secure but no deadbolt is visible. GFCI presence in kitchen and bathroom not confirmed. No obvious active leaks or major mold visible. These items create moderate inspection risk and will likely require correction before pass."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 58.3,
"rationale": "There are visible floor registers and an outdoor HVAC assembly, indicating central HVAC is present, but the outdoor equipment appears old and one packaged/white unit looks displaced/aged — condition/function unknown. Electrical service and panel are not shown; no visible exposed main panel but a loose cable is present at threshold. Water heater is not visible in listing photos. Plumbing fixtures (toilet, sink, tub) are present and appear functional but hot water availability unverified. Roof shows aged shingles but no visible sag or active leaks from exterior photos. Systems appear present but condition and code compliance require verification and likely minor repairs/servicing."
}
],
"red_flags": [
"Electrical hazards — loose/exposed cable at kitchen threshold (potential trip/exposed wiring risk)",
"Missing/insufficient smoke detectors and carbon monoxide alarms (none visible in photos)",
"Missing/unsafe handrail at rear exterior steps",
"Damaged bathroom vanity/cabinet with exposed edges (potential sharp edges and moisture intrusion risk)",
"Aging/out-of-place HVAC/exterior equipment (condition and operation uncertain)"
],
"confidence": 0.88,
"assumptions": [
"No smoke or carbon monoxide detectors were visible in any interior photos; assume none are installed or not visible/insufficient.",
"Central HVAC present due to visible floor registers and outdoor unit(s); assume system may be operational but is aging and should be tested.",
"Electrical panel location and overall electrical code compliance were not shown; assume service is present but needs verification and possible updates (GFCI in kitchen/bath).",
"Water heater is not visible; assume hot water exists but must be verified during inspection.",
"Appliances (stove and refrigerator) are not shown in photos; assume they are not included with the unit and will need to be provided or confirmed.",
"No evidence of major roof leaks or structural sagging in photos; assume roof is aged but serviceable until a closer inspection indicates otherwise.",
"No active plumbing leaks, severe mold, or pest infestation were visible in provided images; assume none significant but recommend on-site verification."
],
"score_method": "mean_of_criteria",
"overall_score": 63.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8687014457"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.