Property ID: 8687289839
1317 12th St N, Bessemer, AL, 35020
Bessemer, AL
Money Down: $28,800
CoC Return: 4.08%
Monthly Cash Flow: $98
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,000
Closing Costs
$4,800
Total Down
$28,800
Investment Snapshot
Purchase Price
$120,000
Money Down
$28,800
Cash-on-Cash Return
4.08%
Rent
$1,005
Monthly Cash Flow
$98
Annual Cash Flow
$1,176
Debt Service / Mo
$639
Property Tax / Mo
$106
Insurance / Mo
$62
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,005
Payment Standard
$1,419
Rent
$1,005
Insurance
$62
Property Tax
$106
Management
$100
Utilities Allowance
$414
NOI (Monthly)
$737
Debt Service
$639
Cash Flow After Debt
$98
Quality Score: 72.70%
Confidence: 89.00%
This 3-bed, 2-bath single family appears to be largely renovated cosmetically and is close to Section 8 / NSPIRE-ready. Major visible systems (roof, HVAC condenser, siding, floors) appear serviceable and the interior photos show clean, finished living spaces. Main inspection risks are items not visible in photos: presence and placement of smoke/CO detectors, GFCI protection in kitchen/baths, condition of electrical panel, and confirmation of hot water/plumbing operation. Exterior issues are minor — detached garage may be missing doors and requires cleanup. With verification/installation of required detectors, confirmation of electrical/plumbing systems, and minor exterior repairs/garage closure, this property is likely to pass an initial HCV inspection within 30 days. Estimated time-to-rent readiness: 1–4 weeks depending on detector/electrical/plumbing verification and small repairs.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$414
Guaranteed Section 8 Rent (PS - Utilities)
$1,005
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$120,000
Beds
3
Baths
2
Living Area
1,428 sqft
Lot Size
18,295 sqft
Year Built
1920
Days on Market
31
Capital Outlay
$28,800
Debt Service
$639
Property Tax / Mo
$106
Insurance / Mo
$62
Property Description
Don't miss out on this amazing 3-bedroom, 2-bathroom Bessemer home sitting proudly on a large corner lot with plenty of off-the-road parking! Enjoy the outdoors from your covered front porch or relax on one of the two side porches - perfect for morning coffee or evening wind-downs! Inside, you'll find large rooms throughout, an extra den, and beautiful finishes that make this home stand out. It's been renovated with granite countertops, luxury flooring, fresh paint, and stunning hardwood floors - all sitting on a flat, spacious lot that offers endless possibilities.
Utility Allowances
Heating
$67
The property has Central heating. Given the electric water heater and no mention of gas, electric heating is assumed. The 'Elec Heat: Bessemer' option was chosen as the property is located in Bessemer.
Cooling
$15
The property has Central Air conditioning. The 'A/C: Bessemer' option was chosen as the property is located in Bessemer.
Water Heating
$37
The property has an electric water heater. The 'Elec: Bessemer' option was chosen as the property is in Bessemer.
Cooking
$14
No cooking appliance is listed as provided. Assuming the tenant provides an electric range, consistent with other electric systems. The 'Elec: Bessemer' option was chosen as the property is in Bessemer.
Other Electric
$48
This covers general electric use for lights and other tenant-plugged-in appliances. The 'Lights, Ref, Etc.: Bessemer' option was chosen as the property is located in Bessemer.
Water
$68
The property uses public water. The 'Water: Bessemer' option was chosen as the property is located in Bessemer.
Sewer
$151
The property is connected to public sewer. The allowance is a fixed value from the schedule based on the bedroom count.
Trash Collection
$0
Trash collection is a standard utility. The 'Bessemer ISCL' schedule indicates a $0 allowance, which may mean it is a city-provided service included in taxes.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned and the corresponding allowance is included.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned and the corresponding 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$597
DP3 Annual Estimate$884
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$74
Replacement Value$66,600
Basis1,428 sqft / 1920
Nearby Houses
Photo unavailable
1204 13th Ave N
sold · 0.04 mi
Price: $79,900
3 bd / 1 ba · 1,176 sqft
Latest sale: $79,900 on Apr 02, 2025
Latest rent: $1,150 on Oct 15, 2025
Photo unavailable
1126 13th Ave N
sold · 0.06 mi
Price: $10,000
2 bd / 1 ba · 1,040 sqft
Latest sale: $10,000 on Sep 20, 2021
Latest rent: —
Photo unavailable
1225 N 13th Ave
sold · 0.10 mi
Price: $67,500
2 bd / 1 ba · 768 sqft
Latest sale: $67,500 on Jun 08, 2022
Latest rent: —
Photo unavailable
1020 14th Ave N
sold · 0.15 mi
Price: $105,000
3 bd / 1 ba · 1,252 sqft
Latest sale: $105,000 on Oct 22, 2021
Latest rent: $975 on Sep 02, 2025
Photo unavailable
1330 14th Ave N
sold · 0.15 mi
Price: $12,500
3 bd / 1 ba · 1,069 sqft
Latest sale: $12,500 on Oct 22, 2021
Latest rent: —
Photo unavailable
1015 14th Ave N
off_market · 0.16 mi
Price: $975
3 bd / 1 ba · 978 sqft
Latest sale: $120,000 on Dec 02, 2022
Latest rent: $1,025 on Oct 23, 2025
Photo unavailable
1011 14th Ave N
for_sale · 0.17 mi
Price: $64,000
3 bd / 1 ba · 1,232 sqft
Latest sale: $29,900 on Jan 28, 2021
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or CO alarms in interior photos — NG for NSPIRE until verified/installed.
- Detached two-bay garage shows open bays/no visible doors — security and weatherproofing concern; may require repair/door replacement.
- Electrical panel and GFCI protection not shown — lack of verification is an inspection risk and could produce a fail if missing or unsafe.
Assumptions
- Interior mechanicals (furnace/air handler, water heater) are present and operational — inferred from visible outdoor condenser and recent renovation listing, but not directly photographed.
- Smoke detectors and carbon monoxide alarms are not visible in photos; assume they are not reliably documented and should be verified/installed where required.
- Electrical panel and GFCI outlet locations were not photographed; assume panel is present and serviceable but GFCI protection in kitchen/bathrooms must be confirmed.
- Bedrooms have code-compliant egress windows based on window size and house type; exact measurements not available and should be verified.
- Detached garage doors appear missing or open in photos; assume doors may be nonfunctional or removed and will require repair or replacement for security.
- Kitchen appliances (range/oven, refrigerator) are not clearly visible in photos; the listing references upgrades but appliance presence should be confirmed for tenant move-in.
- No active roof leaks or foundation movement were visible in exterior photos; assume roof is in fair condition but recommend routine inspection for hidden issues.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,236 | $90,000 | $18,000 |
| 2023 | $565 | $90,000 | $9,000 |
| 2022 | $437 | $71,400 | $7,140 |
| 2021 | $437 | $71,400 | $7,140 |
| 2020 | $437 | $71,400 | $7,140 |
| 2019 | $471 | $76,300 | $7,640 |
| 2018 | $485 | $78,400 | $7,840 |
| 2017 | $485 | $78,400 | $7,840 |
| 2016 | $485 | $78,400 | $7,840 |
| 2015 | $485 | $78,400 | $7,840 |
| 2013 | $483 | $77,400 | $7,740 |
| 2012 | $483 | $77,400 | $7,740 |
| 2011 | $490 | $78,400 | $7,840 |
| 2010 | $490 | $78,400 | $7,840 |
| 2009 | $490 | $78,400 | $7,840 |
| 2008 | $501 | $80,000 | $8,000 |
| 2007 | $494 | $78,900 | $7,890 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-07-24 | Sold | $23,920 |
| 2004-08-20 | Sold | $56,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-09-22 | Listed for rent | $1,160 | — |
Photo Gallery
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{
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{
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"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Photos and listing show recent cosmetic renovation: fresh paint, new-looking luxury vinyl plank flooring, restored hardwood mentioned, granite countertops referenced. Interior finishes and lighting appear intact and clean. Exterior siding and painted foundation look maintained. Minor deferred items observed: detached garage appears older and may be missing doors (open bays visible), walkway/landing near front steps has a small broken brick/edge that could be tripping risk, some yard cleanup and vegetation control needed. Missing appliances are not clearly shown in photos (no visible range/fridge), but this is a moderate, fixable item and does not indicate broad deferred maintenance. Overall mostly cosmetic and minor repairs only."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No visible life‑threatening hazards in photos: ceilings are intact, no sagging or obvious structural distress, no standing water or visible severe mold. Entry door shows lockset and appears to have a deadbolt. Windows look intact and bedrooms likely have egress windows (typical for house form and visible large windows), though measurements cannot be confirmed. Visible electrical outlets have covers and ceiling light fixtures are present. However several NSPIRE items are not visible in photos: smoke detectors and CO alarm(s) are not shown, GFCI protection in kitchen/bathrooms not visible, main electrical panel location/condition not shown. Detached garage openings with no visible doors could be a security/safety concern. Because several required detectors and GFCI presence cannot be confirmed from images, there is moderate inspection risk until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/electrical/plumbing)",
"score": 70.0,
"rationale": "HVAC: an outdoor condenser unit is visible at the side of the house, indicating central cooling/heating likely present. Roof: front roof appears to be metal and in good visual condition; garage roof looks shingled and intact from distance — no obvious active leaks or major failure visible. Plumbing and water heater are not shown; fixtures in bathrooms/kitchen are not clearly visible in photos, so functioning plumbing and hot water are assumed but unverified. Electrical main panel is not photographed. Given visible HVAC and intact roof but with unknowns about water heater, plumbing and panel, systems are likely functional but require verification (service check) prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 75.0,
"rationale": "Large flat corner lot with adequate off-road parking and paved path to porch. Siding, porch, and painted foundation blocks appear sound and recently painted. Chain-link fencing visible in parts; yard is mostly clear though needs landscaping/brush trimming along property edges. Detached two-bay garage structure is present but shows open bays and some age; condition of garage doors is unclear (appears doors removed or open) which impacts security and finish. Walkways and small porch steps exist, and there is no visible significant erosion or foundation displacement in the photos. Overall acceptable with moderate exterior finishing and cleanup required."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity",
"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 or CO alarms in interior photos — NG for NSPIRE until verified/installed.",
"Detached two-bay garage shows open bays/no visible doors — security and weatherproofing concern; may require repair/door replacement.",
"Electrical panel and GFCI protection not shown — lack of verification is an inspection risk and could produce a fail if missing or unsafe."
],
"confidence": 0.65,
"assumptions": [
"Interior mechanicals (furnace/air handler, water heater) are present and operational — inferred from visible outdoor condenser and recent renovation listing, but not directly photographed.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they are not reliably documented and should be verified/installed where required.",
"Electrical panel and GFCI outlet locations were not photographed; assume panel is present and serviceable but GFCI protection in kitchen/bathrooms must be confirmed.",
"Bedrooms have code-compliant egress windows based on window size and house type; exact measurements not available and should be verified.",
"Detached garage doors appear missing or open in photos; assume doors may be nonfunctional or removed and will require repair or replacement for security.",
"Kitchen appliances (range/oven, refrigerator) are not clearly visible in photos; the listing references upgrades but appliance presence should be confirmed for tenant move-in.",
"No active roof leaks or foundation movement were visible in exterior photos; assume roof is in fair condition but recommend routine inspection for hidden issues."
],
"overall_score": 79.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Overall the property appears largely turnkey for Section 8/NSPIRE initial inspection with recent interior cosmetic renovations, a sound exterior envelope and a visible HVAC unit. Primary inspection risks are the absence of visible smoke/CO detectors in interior photos, unknown condition/location of the electrical panel and water heater, and minor exterior/site items (garage bay doors, front step handrail, yard cleanup). Most issues are addressable within 1–4 weeks (install/verify detectors, confirm systems, add handrail, secure garage), making the house likely rent-ready with minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic renovation: fresh paint, new-looking luxury vinyl plank flooring, finished trim and updated light fixtures. Exterior siding and metal roof appear in good visual condition. Observable deferred items: cracked/uneven front walkway and low brick border, small concrete slab remnants in yard, detached garage appears older and may need door/door hardware repair (photos show open bays). Porch steps have scuffing and a small threshold gap. Missing/unknown major appliances (stove/fridge not visible) - missing appliances reduce readiness moderately but are not structural failures. Overall these are mostly minor/turnkey repairs and cosmetic cleanup."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No exposed wiring or active water intrusion evident in photos. Entry door shows two locks (likely knob + deadbolt). Bedroom egress windows appear present on visible elevations but bedroom-specific egress can't be fully confirmed from photos. Important safety items not visible: no smoke detectors are shown in interior photos and no carbon monoxide alarm is evident; these are common NSPIRE fail items if absent. Front steps lack a visible handrail which may be cited depending on riser count and local code. GFCI outlets and electrical panel location/condition are not shown. Plumbing fixtures/hot water are not visible. Because several required safety components cannot be visually confirmed, there's moderate NSPIRE risk without further verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 70.0,
"rationale": "A forced-air HVAC condenser/packaged unit is visible at the side of the house, indicating a heating/cooling system is present. The metal roof appears in good condition with no visible sagging or active leaks. Foundation block and crawl venting appear intact. Electrical service/panel and water heater are not shown; their condition is unknown. No visible evidence of major plumbing leaks or water damage inside the photographed rooms. Given visible HVAC and intact roof/envelope, systems risk is moderate but would require verification of water heater, electrical panel, and plumbing supply/drain functionality."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "The house sits on a flat, large corner lot with off-street parking and intact chain-link fencing. Siding and painted foundation blocks look maintained. Detached two-bay garage is structurally standing but appears aged and the bays show no visible doors (security and weather exposure concern). Yard shows overgrown vegetation along property line, some debris and an old concrete slab; general cleanup and tree/brush trimming recommended. Walkways and driveway are unpaved/gravel with some erosion and uneven surfaces but no active standing water observed."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (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 or carbon monoxide alarm in interior photos (NSPIRE fail risk).",
"Detached two-bay garage shows open bays / missing or non-functional doors (security and weather exposure concern).",
"Front porch steps lack a visible handrail — possible safety/code citation depending on riser count and local requirements."
],
"confidence": 0.7,
"assumptions": [
"Smoke and carbon monoxide detectors are not visible in photos; assume they are not installed or not located per NSPIRE unless proven otherwise.",
"Water heater and electrical panel exist but their condition and location are not shown — assume typical functioning equipment until verified, but mark as unknown risk.",
"HVAC is present and likely operable because an outdoor unit is visible; full operational status is assumed but should be verified by testing.",
"Stove and refrigerator are not visible in supplied photos; assume appliances may be missing or not shown and that replacement could be needed.",
"Detached garage bays appear to lack doors in photos — assume doors are missing or non-functional unless seller confirms otherwise.",
"No obvious structural sagging, major roof failure, or active leaks were visible in the provided photos; assume no major structural defects unless an inspection finds otherwise."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This single-family property is mostly turnkey for a Housing Choice Voucher initial inspection. The interior shows recent cosmetic renovation (paint, flooring, countertops) and no visible water or structural damage. Major systems are likely present (central HVAC, intact roof and foundation) but key safety items are not photographed: smoke/CO alarms, GFCI in kitchen/baths, and the electrical panel/water heater are unverified. Exterior is generally sound but the detached garage appears to need doors or repair and yard cleanup is needed. With quick verification/install of required detectors, confirmation of hot water and electrical panel condition, and minor exterior fixes, the unit is likely to pass an initial NSPIRE/HCV inspection within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently renovated: fresh paint, new-looking flooring, intact ceilings and trim visible. Minor exterior/interior items visible: front threshold gap, minor porch paint touchups, yard debris and an old concrete pad. Garage doors appear removed or open and may need repair/replacement. No visible major cosmetic deferred maintenance inside. Missing or unpictured small appliances (fridge/range) not assumed to be inspection failures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No visible active life‑threatening hazards in photos: ceilings intact, no visible water stains or mold, wiring not exposed in pictures, vents and thermostat present. However smoke/CO alarms are not visible in photos (could be present but not shown) and GFCI locations in kitchen/baths cannot be confirmed. Porch has two steps without a visible handrail (may or may not trigger a requirement depending on riser height). Windows appear standard and bedrooms likely have egress but not explicitly shown. Overall moderate inspection risk due to missing/unknown safety devices and unverified kitchen/bath electrical protection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Electrical/Plumbing/Roof)",
"score": 75.0,
"rationale": "Exterior shows a condenser/pack on a pad (central HVAC likely installed) and interior shows floor supply vents and thermostat — indicates functioning HVAC likely present. Roof appears in good condition (metal roof visible) and foundation/block crawlspace looks intact. Electrical panel and water heater are not shown so their condition is unverified. No visible plumbing leaks or water intrusion in interior photos. Moderate confidence in systems health but final pass requires verification of water heater, electric panel, and HVAC operation."
},
{
"key": "exterior_site",
"label": "Exterior & Site Conditions",
"score": 70.0,
"rationale": "Large, flat corner lot with adequate off‑road parking and chain link fencing. Siding and painted block foundation appear in serviceable condition. Some yard overgrowth/brush and an adjacent small structure in poor condition. Detached two‑car garage structure present but garage doors appear missing or open which reduces security/weather protection. Large mature tree close to structures (root/limb risk) but no visible structural damage. Minor site cleanup and possible garage door work recommended."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Smoke and carbon monoxide detectors are not visible in photos; assume none verified — will need to be present and working for inspection.",
"Central HVAC is present and operational (condenser visible and interior vents/thermostat present); full operational test not documented.",
"Water heater and electrical service/panel are present and code‑compliant but not shown; assume serviceable unless inspection finds otherwise.",
"Kitchen appliances (range, refrigerator) are not clearly visible in all photos; assume range/dishwasher may be present since listing references renovations, but appliance inventory must be confirmed.",
"Detached garage doors appear removed or open in photos — assume they may need replacement or reinstallation for security/weatherproofing.",
"No active roof leaks or structural sagging visible; assume roof (metal) was replaced or in good condition at time of photos.",
"Bedrooms have at least one egress window each (windows visible) though not individually confirmed.",
"No visible severe mold, active leaks, standing water, collapsed ceilings, or major foundation movement in provided photos."
],
"overall_score": 75.0,
"rubric_version": "ns_prep_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1317 12th St N, Bessemer, AL, 35020",
"aggregate": {
"summary": "This 3-bed, 2-bath single family appears to be largely renovated cosmetically and is close to Section 8 / NSPIRE-ready. Major visible systems (roof, HVAC condenser, siding, floors) appear serviceable and the interior photos show clean, finished living spaces. Main inspection risks are items not visible in photos: presence and placement of smoke/CO detectors, GFCI protection in kitchen/baths, condition of electrical panel, and confirmation of hot water/plumbing operation. Exterior issues are minor — detached garage may be missing doors and requires cleanup. With verification/installation of required detectors, confirmation of electrical/plumbing systems, and minor exterior repairs/garage closure, this property is likely to pass an initial HCV inspection within 30 days. Estimated time-to-rent readiness: 1–4 weeks depending on detector/electrical/plumbing verification and small repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.3,
"rationale": "Photos and listing show recent cosmetic renovation: fresh paint, new-looking luxury vinyl plank flooring, restored hardwood mentioned, granite countertops referenced. Interior finishes and lighting appear intact and clean. Exterior siding and painted foundation look maintained. Minor deferred items observed: detached garage appears older and may be missing doors (open bays visible), walkway/landing near front steps has a small broken brick/edge that could be tripping risk, some yard cleanup and vegetation control needed. Missing appliances are not clearly shown in photos (no visible range/fridge), but this is a moderate, fixable item and does not indicate broad deferred maintenance. Overall mostly cosmetic and minor repairs only."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 71.7,
"rationale": "Large flat corner lot with adequate off-road parking and paved path to porch. Siding, porch, and painted foundation blocks appear sound and recently painted. Chain-link fencing visible in parts; yard is mostly clear though needs landscaping/brush trimming along property edges. Detached two-bay garage structure is present but shows open bays and some age; condition of garage doors is unclear (appears doors removed or open) which impacts security and finish. Walkways and small porch steps exist, and there is no visible significant erosion or foundation displacement in the photos. Overall acceptable with moderate exterior finishing and cleanup required."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity",
"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 Compliance Risk",
"score": 66.7,
"rationale": "No visible life‑threatening hazards in photos: ceilings are intact, no sagging or obvious structural distress, no standing water or visible severe mold. Entry door shows lockset and appears to have a deadbolt. Windows look intact and bedrooms likely have egress windows (typical for house form and visible large windows), though measurements cannot be confirmed. Visible electrical outlets have covers and ceiling light fixtures are present. However several NSPIRE items are not visible in photos: smoke detectors and CO alarm(s) are not shown, GFCI protection in kitchen/bathrooms not visible, main electrical panel location/condition not shown. Detached garage openings with no visible doors could be a security/safety concern. Because several required detectors and GFCI presence cannot be confirmed from images, there is moderate inspection risk until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/electrical/plumbing)",
"score": 71.7,
"rationale": "HVAC: an outdoor condenser unit is visible at the side of the house, indicating central cooling/heating likely present. Roof: front roof appears to be metal and in good visual condition; garage roof looks shingled and intact from distance — no obvious active leaks or major failure visible. Plumbing and water heater are not shown; fixtures in bathrooms/kitchen are not clearly visible in photos, so functioning plumbing and hot water are assumed but unverified. Electrical main panel is not photographed. Given visible HVAC and intact roof but with unknowns about water heater, plumbing and panel, systems are likely functional but require verification (service check) prior to inspection."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in interior photos — NG for NSPIRE until verified/installed.",
"Detached two-bay garage shows open bays/no visible doors — security and weatherproofing concern; may require repair/door replacement.",
"Electrical panel and GFCI protection not shown — lack of verification is an inspection risk and could produce a fail if missing or unsafe."
],
"confidence": 0.89,
"assumptions": [
"Interior mechanicals (furnace/air handler, water heater) are present and operational — inferred from visible outdoor condenser and recent renovation listing, but not directly photographed.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they are not reliably documented and should be verified/installed where required.",
"Electrical panel and GFCI outlet locations were not photographed; assume panel is present and serviceable but GFCI protection in kitchen/bathrooms must be confirmed.",
"Bedrooms have code-compliant egress windows based on window size and house type; exact measurements not available and should be verified.",
"Detached garage doors appear missing or open in photos; assume doors may be nonfunctional or removed and will require repair or replacement for security.",
"Kitchen appliances (range/oven, refrigerator) are not clearly visible in photos; the listing references upgrades but appliance presence should be confirmed for tenant move-in.",
"No active roof leaks or foundation movement were visible in exterior photos; assume roof is in fair condition but recommend routine inspection for hidden issues."
],
"score_method": "mean_of_criteria",
"overall_score": 72.7,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8687289839"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.