Property ID: 8689969839
4226 Court K, Birmingham, AL, 35208
Birmingham, AL
Money Down: $26,400
CoC Return: 6.25%
Monthly Cash Flow: $137
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
6.25%
Rent
$959
Monthly Cash Flow
$137
Annual Cash Flow
$1,649
Debt Service / Mo
$585
Property Tax / Mo
$83
Insurance / Mo
$57
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$959
Payment Standard
$1,474
Rent
$959
Insurance
$57
Property Tax
$83
Management
$96
Utilities Allowance
$515
NOI (Monthly)
$723
Debt Service
$585
Cash Flow After Debt
$137
Quality Score: 76.50%
Confidence: 90.00%
This 3BR/1BA single-family appears largely move-in ready with recent interior finishes, working kitchen appliances, new windows and tidy exterior. Primary inspection risks are verification items (operational HVAC/heater, electrical panel/GFCI presence, CO detector, and door deadbolt). Hall ceiling patching suggests prior water intrusion that should be inspected. With simple verifications and minor fixes (install/verify detectors, add deadbolt, confirm HVAC/hot water operation and GFCI), the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. Current overall readiness is in the 'minor repairs / likely rent-ready within 30 days' band.
Section 8 Payment Standard
$1,474
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$959
Property Management
$96
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
3
Baths
1
Living Area
1,048 sqft
Lot Size
8,276 sqft
Year Built
1949
Days on Market
91
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$83
Insurance / Mo
$57
Property Description
Discover comfort and convenience at 4226 Court K a beautifully maintained 3-bedroom, 1-bath home offering modern updates and timeless charm. This property features updated electrical and plumbing, hardwood laminate flooring throughout, new energy-efficient windows and a well-designed layout ideal for everyday living or investment. Enjoy a private courtyard-style backyard perfect for relaxing or entertaining, plus alley access with private parking. With its recent improvements and move-in-ready condition, this home is an excellent opportunity for both homeowners and investors alike.
Utility Allowances
heating
$93
Selected based on the property's explicit mention of 'Electric (HEAT)' and 'Central (HEAT)'. 'Ala Power' is chosen as the most common provider for Birmingham on the schedule.
cooling
$22
Selected based on the property's explicit mention of 'Central (COOL)' and 'Electric (COOL)'. 'Ala Power' is the most likely electric provider in the area.
cooking
$21
Selected as the property details specify 'Oven-Electric' and 'Stove-Electric'.
water_heating
$56
Selected as the property details explicitly state 'Water Heaters: Electric'.
other_electric
$68
Selected for general electricity usage (lights, outlets). 'Ala Power' is assumed as the provider. This allowance accounts for a landlord-provided refrigerator.
water
$78
Selected as the property is located in Birmingham and the details list 'Water Source: Public Water'.
sewer
$151
Selected as the property details state 'Sewer: Connected'. The schedule provides a fixed rate for the 3-bedroom unit.
trash_collection
$20
Selected as the property is in Birmingham (Jefferson County). 'Jefferson City' is the most suitable generic option on the schedule.
refrigerator
$0
The property details explicitly list a 'Refrigerator' is provided, so the tenant allowance is $0.
range_microwave
$6
A microwave is not listed as a provided appliance; therefore, the allowance for a tenant-owned microwave is included as per the rules.
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$546
DP3 Annual Estimate$821
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$68
Replacement Value$55,900
Basis1,048 sqft / 1949
Nearby Houses
Photo unavailable
4222 Court K
sold · 0.01 mi
Price: $31,132
3 bd / 1 ba
Latest sale: $31,132 on Jul 29, 2016
Latest rent: $625 on Sep 06, 2014
Photo unavailable
4229 Court K
sold · 0.04 mi
Price: $105,000
3 bd / 1 ba · 1,014 sqft
Latest sale: $105,000 on Dec 16, 2022
Latest rent: —
Photo unavailable
4215 Court K
sold · 0.04 mi
Price: $23,000
2 bd / 1 ba · 1,050 sqft
Latest sale: $23,000 on Apr 24, 2017
Latest rent: $900 on Apr 13, 2019
Photo unavailable
4204 Avenue L
sold · 0.07 mi
Price: $88,000
3 bd / 2 ba · 1,933 sqft
Latest sale: $88,000 on Aug 25, 2021
Latest rent: —
Photo unavailable
4202 Avenue L
sold · 0.07 mi
Price: $129,000
3 bd / 2 ba · 1,486 sqft
Latest sale: $129,000 on Jul 19, 2022
Latest rent: —
Photo unavailable
4335 Court J
sold · 0.07 mi
Price: $242,000
5 bd / 3 ba · 2,736 sqft
Latest sale: $242,000 on Nov 03, 2023
Latest rent: —
Photo unavailable
4112 Avenue L
sold · 0.07 mi
Price: $133,068
3 bd / 1 ba · 1,875 sqft
Latest sale: $133,068 on Nov 19, 2025
Latest rent: $1,350 on Dec 18, 2024
Photo unavailable
1025 43rd St
sold · 0.08 mi
Price: $200,000
3 bd / 2 ba · 2,154 sqft
Latest sale: $200,000 on Jul 29, 2022
Latest rent: —
Photo unavailable
4108 Avenue L
sold · 0.09 mi
Price: $157,000
3 bd / 2 ba · 1,501 sqft
Latest sale: $157,000 on Dec 06, 2024
Latest rent: —
Photo unavailable
4401 Avenue K
sold · 0.09 mi
Price: $83,500
3 bd / 1 ba · 2,966 sqft
Latest sale: $83,500 on Nov 05, 2024
Latest rent: $1,600 on Apr 04, 2025
Photo unavailable
1143 41st Street Ensley
sold · 0.09 mi
Price: $66,250
3 bd / 2 ba · 1,441 sqft
Latest sale: $66,250 on Sep 11, 2023
Latest rent: $1,630 on Aug 05, 2025
Photo unavailable
1121 41st Street Ensley
sold · 0.10 mi
Price: $60,000
3 bd / 1 ba · 1,194 sqft
Latest sale: $60,000
Latest rent: —
Photo unavailable
4404 Avenue L
sold · 0.11 mi
Price: $93,000
2 bd / 1 ba · 1,309 sqft
Latest sale: $93,000 on Oct 19, 2022
Latest rent: —
Photo unavailable
1205 41st Street Ensley
sold · 0.12 mi
Price: $119,000
3 bd / 1 ba · 1,204 sqft
Latest sale: $119,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- no_visible_heating_system
- ceiling_patch_or_water_staining_in_hallway (possible prior leak)
- no_deadbolt_visible_on_main_entry
- CO_detector_not_observed
- GFCI_outlets_in_kitchen_not_verified
Assumptions
- Listing statement that electrical and plumbing were updated is accurate and reflects safe functioning systems.
- Appliances shown (electric stove, refrigerator, washer/dryer) will be left with the unit and are operational.
- Windows and bedroom windows meet egress size requirements or are close enough to meet local egress rules; exact dimensions not measured from photos.
- HVAC and water heater are present and functional though not visible in photos; absence in photos does not mean absent, but must be verified on site.
- No active roof leaks or foundation movement exist beyond the minor ceiling patching visible in the hallway photos.
- Smoke detector visible in photos is operational; CO detector and GFCI outlets were not visible and are assumed absent/unverified.
- Front entry hardware appears to be a knob without a deadbolt in photos; assume deadbolt is missing until verified.
- Exterior steps and railings are structurally sound as they appear intact in photos; handrails appear present on primary approaches.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $970 | $66,900 | $13,380 |
| 2023 | $970 | $66,900 | $13,380 |
| 2022 | $745 | $51,400 | $10,280 |
| 2021 | $745 | $51,400 | $10,280 |
| 2020 | $745 | $51,400 | $10,280 |
| 2019 | $745 | $51,400 | $10,280 |
| 2018 | $645 | $44,500 | $8,900 |
| 2017 | $645 | $44,500 | $8,900 |
| 2016 | $645 | $44,500 | $8,900 |
| 2015 | $738 | $50,900 | $10,180 |
| 2013 | $711 | $50,100 | $10,020 |
| 2012 | $711 | $50,100 | $10,020 |
| 2011 | $722 | $50,900 | $10,180 |
| 2010 | $765 | $54,000 | $10,800 |
| 2009 | $765 | $54,000 | $10,800 |
| 2008 | $779 | $55,000 | $11,000 |
| 2007 | $753 | $53,100 | $10,620 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-11-02 | Sold | $37,500 |
| 2013-07-19 | Sold | $18,000 |
| 2012-09-05 | Sold | $13,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-06-06 | Listed for rent | $1,000 | — |
| 2015-09-26 | Listed for rent | $750 | — |
| 2014-12-26 | Listed for rent | $750 | — |
| 2013-10-03 | Listed for rent | $750 | — |
Photo Gallery
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"https://ap.rdcpix.com/8cbbefa8e267b592ae2202c7547595bcl-b213567940s-w1280.jpg",
"https://ap.rdcpix.com/8cbbefa8e267b592ae2202c7547595bcl-b3475858s-w1280.jpg",
"https://ap.rdcpix.com/8cbbefa8e267b592ae2202c7547595bcl-b1736041337s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 56.96,
"monthly_cash_flow": 722.88,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected based on the property's explicit mention of 'Electric (HEAT)' and 'Central (HEAT)'. 'Ala Power' is chosen as the most common provider for Birmingham on the schedule.",
"utility": "heating",
"allowance": 93
},
{
"note": "Selected based on the property's explicit mention of 'Central (COOL)' and 'Electric (COOL)'. 'Ala Power' is the most likely electric provider in the area.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Selected as the property details specify 'Oven-Electric' and 'Stove-Electric'.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Selected as the property details explicitly state 'Water Heaters: Electric'.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "Selected for general electricity usage (lights, outlets). 'Ala Power' is assumed as the provider. This allowance accounts for a landlord-provided refrigerator.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Selected as the property is located in Birmingham and the details list 'Water Source: Public Water'.",
"utility": "water",
"allowance": 78
},
{
"note": "Selected as the property details state 'Sewer: Connected'. The schedule provides a fixed rate for the 3-bedroom unit.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Selected as the property is in Birmingham (Jefferson County). 'Jefferson City' is the most suitable generic option on the schedule.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "The property details explicitly list a 'Refrigerator' is provided, so the tenant allowance is $0.",
"utility": "refrigerator",
"allowance": 0
},
{
"note": "A microwave is not listed as a provided appliance; therefore, the allowance for a tenant-owned microwave is included as per the rules.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.39,
"down_payment_amount": 22000.0,
"property_tax_annual": 999.1,
"property_tax_monthly": 83.26,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": 1649.01,
"property_management_monthly": 95.9,
"monthly_cash_flow_after_debt": 137.42,
"cash_on_cash_return_after_debt": 0.07
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/1BA single-family appears largely move-in ready with recent interior finishes, working kitchen appliances, new windows and tidy exterior. Primary inspection risks are verification items (operational HVAC/heater, electrical panel/GFCI presence, CO detector, and door deadbolt). Hall ceiling patching suggests prior water intrusion that should be inspected. With simple verifications and minor fixes (install/verify detectors, add deadbolt, confirm HVAC/hot water operation and GFCI), the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. Current overall readiness is in the 'minor repairs / likely rent-ready within 30 days' band.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show fresh paint, new/like-new laminate flooring, updated kitchen cabinets/countertops and appliances present (stove, refrigerator, washer/dryer). Exterior siding, steps and porch appear intact and recently maintained. Minor cosmetic and trim touch-ups visible (ceiling unevenness/patch in hall). Missing cosmetic items only; no visible subfloor, major drywall failure, or collapsed elements. Listing states updated electrical and plumbing which supports a higher score."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious exposed wiring, trip hazards, or major visible mold. A round ceiling device (likely a smoke detector) is visible in one interior photo but CO detector is not visible. Entry door knob is visible without a clear deadbolt in photos (deadbolt required for many inspections). Bedroom egress windows appear present but dimensions cannot be confirmed from images. GFCI presence in kitchen/bath not verifiable. Hall ceiling shows patching/unevenness consistent with prior water intrusion — needs verification to rule out active leak. Overall modest risk due to a few unverified but fixable items (deadbolt, CO/GFCI verification, confirm egress sizes)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Listing claims updated electrical and plumbing; finishes look recently renovated. However, no HVAC equipment (furnace or condensing unit) or water heater is visible in the photos, and electrical panel is not shown. Appliances in kitchen are electric (reduces gas venting concerns). Without visible heating/cooling and water heater, there is moderate uncertainty — likely functional but needs onsite verification (operate HVAC, hot water, inspect electrical panel, water heater and drainage)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Front yard, siding, painted foundation, steps and porch railings appear in good condition in multiple exterior photos. Roofline appears straight and shingles show no glaring sag or collapse from available angles; chimney present but no visible failure. Walkway and yard are tidy with alley access and private parking noted. No standing water or major drainage issues visible from provided exterior shots."
},
{
"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_heating_system",
"ceiling_patch_or_water_staining_in_hallway (possible prior leak)",
"no_deadbolt_visible_on_main_entry",
"CO_detector_not_observed",
"GFCI_outlets_in_kitchen_not_verified"
],
"confidence": 0.7,
"assumptions": [
"Listing statement that electrical and plumbing were updated is accurate and reflects safe functioning systems.",
"Appliances shown (electric stove, refrigerator, washer/dryer) will be left with the unit and are operational.",
"Windows and bedroom windows meet egress size requirements or are close enough to meet local egress rules; exact dimensions not measured from photos.",
"HVAC and water heater are present and functional though not visible in photos; absence in photos does not mean absent, but must be verified on site.",
"No active roof leaks or foundation movement exist beyond the minor ceiling patching visible in the hallway photos.",
"Smoke detector visible in photos is operational; CO detector and GFCI outlets were not visible and are assumed absent/unverified.",
"Front entry hardware appears to be a knob without a deadbolt in photos; assume deadbolt is missing until verified.",
"Exterior steps and railings are structurally sound as they appear intact in photos; handrails appear present on primary approaches."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the home appears largely move-in ready with recent cosmetic updates, working kitchen appliances, new-looking windows and a maintained exterior. Major visible safety or structural failures are not present. Primary inspection items to verify before listing for Section 8 are: operational HVAC and water heater, presence/function of electrical panel and GFCI protection in kitchen/bath, installation of required CO detector(s) if any fuel-burning appliances or attached garage are present, and confirmation that smoke detectors are installed in required locations and have working batteries. Expect a likely pass after addressing small code items (1–3 weeks) if systems are functional; if mechanical systems require service the timeline could extend to 30+ days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Photos and listing show a recently refreshed interior: fresh paint, new-looking laminate floors, updated kitchen cabinets/countertops and presence of stove/refrigerator and washing machine/dryer. Exterior siding and painted foundation look maintained. Visible issues are minor cosmetic: slight ceiling surface irregularity in the hallway (possible prior patch), scuffed door bottoms and minor trim/threshold wear. No obvious major deferred maintenance or collapsing finishes observed. Missing or worn small items (outlet covers, minor trim touch-up) expected and are easy fixes."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 75.0,
"rationale": "A smoke detector is visible in interior photos. Windows in bedrooms and living areas appear adequate for egress. No exposed wiring or obvious electrical hazards are visible. Exterior steps have a handrail. Potential code risks: no carbon monoxide alarm is visible (a chimney is present so CO may be required if any fuel-burning appliances are installed), GFCI outlets in kitchen/bath are not identifiable in photos, and the hallway ceiling shows surface irregularity that could indicate past water intrusion (no active leak visible). Door has a standard lock; deadbolt not clearly visible from photos. These are likely minor to moderate corrections but should be verified prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Listing states electrical and plumbing have been updated and photos show an intact shingle roof and a chimney with no obvious sagging or collapse. Floor vent in hallway suggests central HVAC/ducting but no HVAC equipment (furnace/AC) or thermostat is pictured; presence and operational status of heating and cooling must be confirmed. Water heater and electrical panel are not shown. Appliances (electric range, refrigerator, washer/dryer) are present and appear functional but their hookups and safe operation must be verified. Because key system components are not visible, score is conservative despite listing claims."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Front yard, siding, steps and porch appear in good condition; siding looks recently replaced or well maintained, painted foundation appears intact with no visible major cracking. Walkway and entry steps are serviceable with railings. Yard is tidy though mature trees are close to the house which could require routine maintenance. Alley access and private parking reported, which supports rental use. No signs of standing water, major erosion, or infestation in photos."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years) - bonus",
"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 statement 'updated electrical and plumbing' is accurate and means wiring/plumbing were recently brought up to code, but panel and GFCI locations were not photographed.",
"Central HVAC is present (inferred from floor vent visible in hallway); functional status is unknown and must be confirmed.",
"No active roof leaks or foundation movement exist; ceiling surface irregularity in hallway is assumed cosmetic or prior minor repair rather than active water intrusion.",
"Laundry appliances shown in kitchen are included and wired/plumbed correctly.",
"A smoke detector visible in photos is functional; carbon monoxide alarm(s) are not visible and may be missing if required.",
"Deadbolt on primary entry is not visible in photos; assume a keyed lock is present but deadbolt may need installation."
],
"overall_score": 78.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "This 3-bed, 1-bath home appears largely turnkey for HCV/NSPIRE inspection. Cosmetic condition is very good and kitchen appliances are present; exterior and site are well maintained. Primary inspection items to verify before listing for Section 8: confirm functioning smoke detectors in all required locations and a carbon monoxide alarm if required, verify GFCI protection in kitchen/bath, confirm heating system and hot water operation, and inspect the hallway ceiling patch for any lingering leak or moisture damage. With those verifications and small installations (detectors/GFCI if missing), this property is likely to pass an initial HCV inspection with minimal work and be rent-ready quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition and Repairs",
"score": 78.0,
"rationale": "Interior appears freshly painted with new laminate floors, updated kitchen cabinets/countertops and appliances present. Minor visible defects: hallway ceiling shows uneven/patchy areas consistent with prior water intrusion patching, which should be confirmed and possibly re-finished. Overall cosmetic condition is good with only minor repairs and touch-ups expected."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 72.0,
"rationale": "No exposed wiring or obvious electrical hazards in photos. A smoke alarm-like device is visible in a main space. Bedroom egress windows appear standard size in photos. Entry points have functioning doors and locks visible, though a keyed deadbolt isn't clearly visible in photos. No visible carbon monoxide detector, GFCI outlets in kitchen/bath not visible. Slight hallway ceiling irregularity suggests prior water issue that should be investigated. Overall a moderate NSPIRE risk that can likely be cleared with verification/installation of missing detectors and any required GFCI outlets."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Listing states electrical and plumbing updated; fixtures and appliances appear installed and functional (electric range, refrigerator, washer/dryer visible). No HVAC equipment is visible in photos (ceiling fan and a floor vent are present), so heating/cooling system type and condition should be verified. Roof and chimney appear intact from available exterior photos; no active leaks visible inside. Water heater and electrical panel are not shown and should be confirmed operational. Given visible condition, systems likely functional but warrant verification."
},
{
"key": "exterior_site",
"label": "Exterior and Site Condition",
"score": 85.0,
"rationale": "Exterior siding/windows look recently replaced and in good condition. Front steps and porch railings are present and appear intact. Yard and walkway are level and free of standing water in photos. Foundation appears painted and without obvious major cracks from the images. Alley access and private parking noted in listing. Overall exterior/site condition is good with low visible risk."
},
{
"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": [],
"confidence": 0.65,
"assumptions": [
"Listing statement that 'updated electrical and plumbing' is accurate and updates meet current code.",
"Windows shown are operable and bedroom windows meet egress requirements.",
"No active roof leaks beyond the minor ceiling patching visible in the hallway photos.",
"Heating and hot water systems are present and operational despite no HVAC unit being visible in listing photos.",
"Smoke detector visible in photos is functional; additional detectors and CO alarms may be required but are not shown.",
"Electrical panel exists and was updated as claimed (not visible in photos).",
"GFCI outlets are not visible in photos; assume they may be missing and will need verification/installation."
],
"overall_score": 81.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4226 Court K, Birmingham, AL, 35208",
"aggregate": {
"summary": "This 3BR/1BA single-family appears largely move-in ready with recent interior finishes, working kitchen appliances, new windows and tidy exterior. Primary inspection risks are verification items (operational HVAC/heater, electrical panel/GFCI presence, CO detector, and door deadbolt). Hall ceiling patching suggests prior water intrusion that should be inspected. With simple verifications and minor fixes (install/verify detectors, add deadbolt, confirm HVAC/hot water operation and GFCI), the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. Current overall readiness is in the 'minor repairs / likely rent-ready within 30 days' band.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 81.7,
"rationale": "Interior photos show fresh paint, new/like-new laminate flooring, updated kitchen cabinets/countertops and appliances present (stove, refrigerator, washer/dryer). Exterior siding, steps and porch appear intact and recently maintained. Minor cosmetic and trim touch-ups visible (ceiling unevenness/patch in hall). Missing cosmetic items only; no visible subfloor, major drywall failure, or collapsed elements. Listing states updated electrical and plumbing which supports a higher score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Front yard, siding, painted foundation, steps and porch railings appear in good condition in multiple exterior photos. Roofline appears straight and shingles show no glaring sag or collapse from available angles; chimney present but no visible failure. Walkway and yard are tidy with alley access and private parking noted. No standing water or major drainage issues visible from provided exterior shots."
},
{
"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."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 72.3,
"rationale": "No obvious exposed wiring, trip hazards, or major visible mold. A round ceiling device (likely a smoke detector) is visible in one interior photo but CO detector is not visible. Entry door knob is visible without a clear deadbolt in photos (deadbolt required for many inspections). Bedroom egress windows appear present but dimensions cannot be confirmed from images. GFCI presence in kitchen/bath not verifiable. Hall ceiling shows patching/unevenness consistent with prior water intrusion — needs verification to rule out active leak. Overall modest risk due to a few unverified but fixable items (deadbolt, CO/GFCI verification, confirm egress sizes)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 68.3,
"rationale": "Listing claims updated electrical and plumbing; finishes look recently renovated. However, no HVAC equipment (furnace or condensing unit) or water heater is visible in the photos, and electrical panel is not shown. Appliances in kitchen are electric (reduces gas venting concerns). Without visible heating/cooling and water heater, there is moderate uncertainty — likely functional but needs onsite verification (operate HVAC, hot water, inspect electrical panel, water heater and drainage)."
}
],
"red_flags": [
"no_visible_heating_system",
"ceiling_patch_or_water_staining_in_hallway (possible prior leak)",
"no_deadbolt_visible_on_main_entry",
"CO_detector_not_observed",
"GFCI_outlets_in_kitchen_not_verified"
],
"confidence": 0.9,
"assumptions": [
"Listing statement that electrical and plumbing were updated is accurate and reflects safe functioning systems.",
"Appliances shown (electric stove, refrigerator, washer/dryer) will be left with the unit and are operational.",
"Windows and bedroom windows meet egress size requirements or are close enough to meet local egress rules; exact dimensions not measured from photos.",
"HVAC and water heater are present and functional though not visible in photos; absence in photos does not mean absent, but must be verified on site.",
"No active roof leaks or foundation movement exist beyond the minor ceiling patching visible in the hallway photos.",
"Smoke detector visible in photos is operational; CO detector and GFCI outlets were not visible and are assumed absent/unverified.",
"Front entry hardware appears to be a knob without a deadbolt in photos; assume deadbolt is missing until verified.",
"Exterior steps and railings are structurally sound as they appear intact in photos; handrails appear present on primary approaches."
],
"score_method": "mean_of_criteria",
"overall_score": 76.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8689969839"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.