Property ID: 8693793282
4421 43rd St N, Birmingham, AL, 35217
Birmingham, AL
Money Down: $18,000
CoC Return: 16.67%
Monthly Cash Flow: $250
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,000
Closing Costs
$3,000
Total Down
$18,000
Investment Snapshot
Purchase Price
$75,000
Money Down
$18,000
Cash-on-Cash Return
16.67%
Rent
$904
Monthly Cash Flow
$250
Annual Cash Flow
$3,000
Debt Service / Mo
$399
Property Tax / Mo
$102
Insurance / Mo
$63
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$904
Payment Standard
$1,419
Rent
$904
Insurance
$63
Property Tax
$102
Management
$90
Utilities Allowance
$515
NOI (Monthly)
$649
Debt Service
$399
Cash Flow After Debt
$250
Quality Score: 68.70%
Confidence: 79.00%
Overall this is a moderately turnkey 3BR/1BA home with updated HVAC and water heater per the listing and generally sound interior and exterior conditions. Primary risks for an initial Section 8 (HUD/NSPIRE) inspection are missing/undocumented smoke and CO detectors, likely non-GFCI kitchen/bath outlets, and a cracked/uneven front walkway (trip hazard). These are fixable within a short timeframe (installation of detectors, GFCI replacement, walkway repair) and otherwise the property should be rent-ready within ~30 days after addressing those safety items.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$904
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$75,000
Beds
3
Baths
1
Living Area
1,200 sqft
Lot Size
6,534 sqft
Year Built
1953
Days on Market
285
Capital Outlay
$18,000
Debt Service
$399
Property Tax / Mo
$102
Insurance / Mo
$63
Property Description
Charming 3BR/1BA home with great potential! Features original hardwood floors, a spacious living area, and updated HVAC and water heater. Level backyard is perfect for entertaining or future use. Ideal opportunity for first-time buyers or investors looking for strong rental potential. Conveniently located just minutes from downtown Birmingham with easy interstate access.
Utility Allowances
Heating
$93
Property has central heating. Assumed electric based on the electric water heater and electric dryer hookup. The provider is specified as Alabama Power.
Cooling
$22
Property has central air conditioning. The electric provider is specified as Alabama Power.
Cooking
$21
Cooking fuel is not specified, but other major appliances are electric. Selected the electric cooking option from the dominant provider, Alabama Power.
Water Heating
$56
Property data explicitly lists 'Electric Water Heater'. The provider is Alabama Power.
Water
$78
Property has 'Public Water' in Birmingham. Selected the specific allowance for 'Water: Birmingham'.
Sewer
$151
Property is connected to 'Public Sewer'. The schedule provides a fixed rate based on bedroom count.
Trash Collection
$20
The property is in Birmingham. 'Jefferson City (Once per week)' is selected as a general allowance for the county, as a specific Birmingham option is not available.
Other Electric
$68
This covers general electric use for lights and outlets. The provider is Alabama Power. This line item is assumed to include an allowance for a tenant-owned refrigerator.
Range/Microwave
$6
A microwave is not specified as provided and is assumed to be tenant-owned. This allowance is selected from the schedule for a tenant-supplied appliance.
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$606
DP3 Annual Estimate$896
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$75
Replacement Value$68,900
Basis1,200 sqft / 1953
Nearby Houses
Photo unavailable
4415 42nd Pl N Lot 8
off_market · 0.07 mi
Price: $11,660
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4344 N 44th Ave
sold · 0.08 mi
Price: $108,000
4 bd / 1 ba · 1,018 sqft
Latest sale: $108,000 on May 29, 2025
Latest rent: $1,200 on Jan 09, 2026
Photo unavailable
4424 42nd Pl N
sold · 0.10 mi
Price: $35,000
3 bd / 1 ba · 974 sqft
Latest sale: $35,000 on Aug 30, 2019
Latest rent: —
Photo unavailable
4225 N 44th Ave Unit 10
for_sale · 0.10 mi
Price: $85,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4225 44th Ave N
sold · 0.11 mi
Price: $34,000
2 bd / 2 ba · 1,320 sqft
Latest sale: $34,000 on Sep 12, 2024
Latest rent: —
Photo unavailable
4312 N 43rd Ave
sold · 0.11 mi
Price: $172,000
3 bd / 2 ba · 1,320 sqft
Latest sale: $172,000 on Jan 31, 2023
Latest rent: —
Photo unavailable
4336 46th Ave N
sold · 0.14 mi
Price: $101,500
3 bd / 1 ba · 1,260 sqft
Latest sale: $101,500 on Sep 08, 2023
Latest rent: —
Photo unavailable
4212 43rd Ave N
sold · 0.15 mi
Price: $75,000
3 bd / 2 ba · 1,698 sqft
Latest sale: $75,000 on Nov 28, 2022
Latest rent: —
Photo unavailable
4217 43rd Ave N
sold · 0.17 mi
Price: $85,000
3 bd / 1 ba · 1,140 sqft
Latest sale: $85,000 on Feb 05, 2024
Latest rent: $1,100 on Jun 11, 2024
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarm in interior photos (likely inspection failure until installed).
- No obvious GFCI receptacles in kitchen/bath (potential electrical safety/code issue).
- Cracked/uneven front walkway creating a trip hazard.
- Missing range and refrigerator (reduces readiness; appliance provision should be clarified).
- Electrical panel and service condition not documented (must be verified).
Assumptions
- Listing statement that HVAC and water heater are updated is accurate and systems are operational (units not pictured but assumed functional).
- Windows shown provide compliant bedroom egress (double-hung windows appear present and operable).
- No active roof leaks or hidden water intrusion exist beyond what is visible in photos; roof condition inferred as fair based on visible shingles.
- Electrical panel condition and service capacity are unknown (not photographed); no exposed wiring observed in interior photos is taken as absence of immediate hazards.
- Smoke and carbon monoxide alarms are not present (not visible in photos) and therefore treated as absent for safety scoring.
- Kitchen appliances (range and refrigerator) are not present in photos and are therefore assumed missing unless provided separately.
- No visible mold, major foundation movement, collapsed ceilings or other severe concealed defects are present; unseen issues cannot be excluded from photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,186 | $81,800 | $16,360 |
| 2023 | $1,186 | $81,800 | $16,360 |
| 2022 | $822 | $56,700 | $11,340 |
| 2021 | $907 | $62,600 | $12,520 |
| 2020 | $865 | $59,700 | $11,940 |
| 2019 | $907 | $62,600 | $12,520 |
| 2018 | $777 | $53,600 | $10,720 |
| 2017 | $777 | $53,600 | $10,720 |
| 2016 | $730 | $50,400 | $10,080 |
| 2015 | $771 | $53,200 | $10,640 |
| 2013 | $256 | $48,900 | $9,780 |
| 2012 | $246 | $44,990 | $4,499 |
| 2011 | $284 | $50,600 | $5,060 |
| 2010 | $718 | $50,600 | $10,120 |
| 2008 | $733 | $51,700 | $10,340 |
| 2007 | $710 | $50,000 | $10,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2006-11-15 | Sold | $50,000 |
| 2005-06-02 | Sold | $50,000 |
| 2004-01-12 | Sold | $43,000 |
| 2002-03-12 | Sold | $27,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-10-09 | Listed for rent | $1,000 | — |
Photo Gallery
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "19 days",
"source_listing_id": "457514",
"price_change_percentage": null
},
{
"date": "2010-03-10",
"price": 30000,
"listing": {
"status": "off_market",
"list_date": "2010-03-10T07:00:00Z",
"list_price": 30000,
"listing_id": "516216199",
"last_update_date": "2010-03-29T22:47:57Z",
"last_status_change_date": "2010-03-29T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "457514",
"price_change_percentage": "+275.00%"
},
{
"date": "2009-10-30",
"price": 8000,
"listing": {
"status": "sold",
"list_date": "2009-07-09T07:00:00Z",
"list_price": 9900,
"listing_id": "510043339",
"last_update_date": "2009-11-12T12:29:05Z",
"last_status_change_date": "2009-10-30T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "113 days",
"source_listing_id": "434493",
"price_change_percentage": "-46.67%"
},
{
"date": "2009-10-18",
"price": 9900,
"listing": {
"status": "sold",
"list_date": "2009-07-09T07:00:00Z",
"list_price": 9900,
"listing_id": "510043339",
"last_update_date": "2009-11-12T12:29:05Z",
"last_status_change_date": "2009-10-30T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -5100,
"days_after_listed": null,
"source_listing_id": "434493",
"price_change_percentage": null
},
{
"date": "2009-07-09",
"price": 15000,
"listing": {
"status": "sold",
"list_date": "2009-07-09T07:00:00Z",
"list_price": 9900,
"listing_id": "510043339",
"last_update_date": "2009-11-12T12:29:05Z",
"last_status_change_date": "2009-10-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "434493",
"price_change_percentage": "-70.00%"
},
{
"date": "2006-11-15",
"price": 50000,
"listing": null,
"event_name": "Sold",
"price_sqft": 50,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "+75.44%"
},
{
"date": "2006-08-30",
"price": 28500,
"listing": {
"status": "off_market",
"list_date": "2006-05-16T07:00:00Z",
"list_price": 28500,
"listing_id": "542155499",
"last_update_date": "2006-08-30T20:32:36Z",
"last_status_change_date": "2006-08-30T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "299832",
"price_change_percentage": null
},
{
"date": "2006-05-22",
"price": 39900,
"listing": {
"status": "off_market",
"list_date": "2006-02-09T07:00:00Z",
"list_price": 39900,
"listing_id": "542308655",
"last_update_date": "2006-05-22T21:22:35Z",
"last_status_change_date": "2006-05-22T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "6 days",
"source_listing_id": "290901",
"price_change_percentage": null
},
{
"date": "2006-05-16",
"price": 28500,
"listing": {
"status": "off_market",
"list_date": "2006-05-16T07:00:00Z",
"list_price": 28500,
"listing_id": "542155499",
"last_update_date": "2006-08-30T20:32:36Z",
"last_status_change_date": "2006-08-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "299832",
"price_change_percentage": null
},
{
"date": "2006-02-09",
"price": 39900,
"listing": {
"status": "off_market",
"list_date": "2006-02-09T07:00:00Z",
"list_price": 39900,
"listing_id": "542308655",
"last_update_date": "2006-05-22T21:22:35Z",
"last_status_change_date": "2006-05-22T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "290901",
"price_change_percentage": "-20.20%"
},
{
"date": "2005-06-02",
"price": 50000,
"listing": null,
"event_name": "Sold",
"price_sqft": 50,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2004-01-12",
"price": 43000,
"listing": null,
"event_name": "Sold",
"price_sqft": 43,
"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": "Applied",
"permit_type_of_work": "Electrical Permit",
"permit_effective_date": "Dec 4, 2012",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Dec 4, 2012",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Final",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Nov 16, 2009",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Building permit",
"permit_effective_date": "Jun 18, 1996",
"permit_project_type_1": "Siding",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8693793282",
"generated_at": "2026-02-16T03:11:25.071157Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.7
},
"utility_allowance": {
"zip_code": "35217",
"home_photo": "https://ap.rdcpix.com/26bfde215d06e16eeb71acae997344a4l-m2586738199s-w1280.jpg",
"rent_price": 904.0,
"loan_amount": 60000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4421-43rd-St-N_Birmingham_AL_35217_M86937-93282",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 75000.0,
"loan_term_years": 30,
"annual_cash_flow": 7790.62,
"mortgage_monthly": 399.18,
"payment_standard": 1419.0,
"total_amount_out": 15000.0,
"additional_photos": [
"https://ap.rdcpix.com/26bfde215d06e16eeb71acae997344a4l-m2596594463s-w1280.jpg",
"https://ap.rdcpix.com/26bfde215d06e16eeb71acae997344a4l-m521837260s-w1280.jpg",
"https://ap.rdcpix.com/26bfde215d06e16eeb71acae997344a4l-m863242792s-w1280.jpg",
"https://ap.rdcpix.com/26bfde215d06e16eeb71acae997344a4l-m3361019075s-w1280.jpg",
"https://ap.rdcpix.com/26bfde215d06e16eeb71acae997344a4l-m1106318906s-w1280.jpg",
"https://ap.rdcpix.com/26bfde215d06e16eeb71acae997344a4l-m2903815815s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 62.58,
"monthly_cash_flow": 649.22,
"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 central heating. Assumed electric based on the electric water heater and electric dryer hookup. The provider is specified as Alabama Power.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has central air conditioning. The electric provider is specified as Alabama Power.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Cooking fuel is not specified, but other major appliances are electric. Selected the electric cooking option from the dominant provider, Alabama Power.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property data explicitly lists 'Electric Water Heater'. The provider is Alabama Power.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Property has 'Public Water' in Birmingham. Selected the specific allowance for 'Water: Birmingham'.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is connected to 'Public Sewer'. The schedule provides a fixed rate based on bedroom count.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is in Birmingham. 'Jefferson City (Once per week)' is selected as a general allowance for the county, as a specific Birmingham option is not available.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "This covers general electric use for lights and outlets. The provider is Alabama Power. This line item is assumed to include an allowance for a tenant-owned refrigerator.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "A microwave is not specified as provided and is assumed to be tenant-owned. This allowance is selected from the schedule for a tenant-supplied appliance.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 15000.0,
"property_tax_annual": 1221.58,
"property_tax_monthly": 101.8,
"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": 3000.44,
"property_management_monthly": 90.4,
"monthly_cash_flow_after_debt": 250.04,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this is a moderately turnkey 3BR/1BA home with updated HVAC and water heater per the listing and generally sound interior and exterior conditions. Primary risks for an initial Section 8 (HUD/NSPIRE) inspection are missing/undocumented smoke and CO detectors, likely non-GFCI kitchen/bath outlets, and a cracked/uneven front walkway (trip hazard). These are fixable within a short timeframe (installation of detectors, GFCI replacement, walkway repair) and otherwise the property should be rent-ready within ~30 days after addressing those safety items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior and exterior photos show a generally sound, recently painted property with intact flooring, functioning doors and cabinets, and an updated HVAC/water heater per listing. Visible issues are mostly cosmetic: scuffed baseboards/trim, worn cabinet edges and a missing drawer/door on kitchen lower cabinet, some finish wear on flooring, and the listing/photos do not show a range or refrigerator (missing appliances). Porch and steps are painted but show wear. These are easy-to-fix or capital items and do not indicate major structural distress, so condition is moderately good but not turnkey."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 52.0,
"rationale": "Photos show intact stair handrails and a secure-looking exterior security door, but no smoke detectors or carbon monoxide alarms are visible in multiple interior photos (HUD/NSPIRE requires functioning smoke detectors in hallways/bedrooms). Kitchen and bathroom outlets visible appear to be standard devices; no GFCI receptacles are evident near sink/tub (potential NSPIRE/electrical deficiency). Walkway to porch has uneven/cracked concrete which is a trip hazard. No exposed wiring or obvious active leaks observed. Missing/absent smoke detectors and likely lack of GFCI create a moderate probability of initial inspection failure until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 70.0,
"rationale": "Listing states HVAC and water heater are updated; no visible evidence to contradict that (no exterior condensers shown, but interior vents/thermostat likely present). Roof shingles appear generally intact in photos with no visible sagging or active leaks. Plumbing fixtures (toilet, tub/shower, kitchen sink) are present and appear serviceable; water heater not pictured but listed as updated. Electrical panel and service are not visible in photos so cannot be confirmed; no exposed wiring observed. Based on listing claims and visible condition, major systems are likely functional but unverified—recommended to confirm HVAC and electrical panel operation prior to lease."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding and foundation block appear intact and in fair condition; yard is level and usable for tenants. Shrubbery is maintained. Porch has guardrails/handrails; steps are sound though painted and show wear. Concrete walk approach is cracked/uneven creating a trip hazard that should be repaired. No standing water, visible major foundation cracks, or roof collapse noted. Overall exterior condition is good with some minor safety/finish repairs recommended."
},
{
"key": "rental_history_activity",
"label": "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 (likely inspection failure until installed).",
"No obvious GFCI receptacles in kitchen/bath (potential electrical safety/code issue).",
"Cracked/uneven front walkway creating a trip hazard.",
"Missing range and refrigerator (reduces readiness; appliance provision should be clarified).",
"Electrical panel and service condition not documented (must be verified)."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that HVAC and water heater are updated is accurate and systems are operational (units not pictured but assumed functional).",
"Windows shown provide compliant bedroom egress (double-hung windows appear present and operable).",
"No active roof leaks or hidden water intrusion exist beyond what is visible in photos; roof condition inferred as fair based on visible shingles.",
"Electrical panel condition and service capacity are unknown (not photographed); no exposed wiring observed in interior photos is taken as absence of immediate hazards.",
"Smoke and carbon monoxide alarms are not present (not visible in photos) and therefore treated as absent for safety scoring.",
"Kitchen appliances (range and refrigerator) are not present in photos and are therefore assumed missing unless provided separately.",
"No visible mold, major foundation movement, collapsed ceilings or other severe concealed defects are present; unseen issues cannot be excluded from photos."
],
"overall_score": 66.0,
"rubric_version": "1.0"
},
{
"summary": "This 3BR/1BA single-family appears largely sound and close to rent-ready: updated HVAC and water heater are reported, interior finishes are serviceable, and the exterior envelope appears intact. Primary inspection risks are missing/undocumented smoke and CO detectors, uncertain GFCI protection in wet areas, and an uneven front walkway/steps (trip hazard). Appliances (stove/refrigerator) are not shown and should be provided or disclosed. With targeted fixes (install detectors, verify/label electrical/GFCI, repair walkway, replace/confirm appliances and verify systems operation) the property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Overall cosmetic condition appears sound: interior walls and floors look recently painted/finished and hardwood/laminate floors are in usable condition. Cabinets and countertops show wear but are serviceable. Exterior paint and siding in good visual condition. Missing major appliances (no stove or refrigerator visible in photos) and some cosmetic scuffs on trim/flooring reduce the turnkey score moderately. Concrete porch and steps are intact though the front walkway has uneven/broken sections (trip hazard) that will need repair prior to move-in."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No visible smoke detectors or CO alarms in the photographed living areas or hallways — absence of required detectors is an NSPIRE failure risk and lowers the score. Porch has railings and handrails appear present; windows appear large enough for bedroom egress. No obvious exposed wiring or active water stains/mold visible. GFCI protection in the kitchen/bath is not evident from photos (kitchen outlets are standard style) — potential code issue. The uneven concrete walkway/steps in front is a trip hazard that should be corrected. Listing claims updated HVAC and water heater which reduces some risk, but detector and GFCI issues need attention."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states HVAC and water heater are updated; no visible signs of plumbing failure (functional sink, faucet, bathtub and toilet in photos). Roof appears serviceable from photos with no visible sagging or active leaks, though shingles look aged. Electrical panel and full HVAC equipment are not shown; absence of panel photo increases uncertainty but no exposed hazards are visible. Overall systems appear functional but require verification (confirm HVAC operation, water heater, electrical panel condition, and hot water)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Vinyl siding and painted block foundation look intact; yard is level and fence visible at side yard. Porch and iron railings appear stable. The front walkway has several broken/uneven concrete risers creating a trip hazard and would be cited by an inspector. Shrubbery is overgrown against the foundation in places (recommend trimming). No visible standing water, major foundation cracks, roof collapse or pest infestation evident in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5yr)",
"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 alarms in photos — NSPIRE inspection failure if absent.",
"Front walkway/steps are uneven/broken creating a trip hazard — likely cited.",
"No visible GFCI protection in kitchen (potential electrical code issue for wet areas)."
],
"confidence": 0.7,
"assumptions": [
"Listing statement 'updated HVAC and water heater' is accurate and those systems are operational.",
"No stove or refrigerator are present (none are visible in kitchen photos); appliances will need to be provided or confirmed.",
"Bedroom windows provide required egress based on visible size/placement.",
"Electrical panel is intact and has no visible hazards although it is not shown in photos.",
"No active roof leaks or major structural movement exist; roofing shows cosmetic age only from photos.",
"No smoke or CO detectors are installed in the photographed areas (none visible).",
"GFCI protection is not present in the kitchen (no GFCI outlet seen in photos)."
],
"overall_score": 69.0,
"rubric_version": "nspr-2026-1"
},
{
"summary": "This 3BR/1BA cottage appears broadly rent-ready for HCV after a short punch-list: install/verify smoke & CO detectors, confirm/retrofit GFCIs at kitchen/bath, provide a stove and refrigerator, repair/edge concrete steps (trip hazard), and verify HVAC/electrical panel function and roofing flashing. No major structural failures or active leaks are visible; with the items above addressed (most are minor/easy-to-fix) the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show generally intact finishes: laminate/wood floors, painted walls, functioning doors and windows, and intact bathroom surround. Cosmetic wear on cabinets, some scuffs on trim, and minor paint touch-ups are needed. No obvious collapsed surfaces or exposed subfloor. Significant negative: no stove or refrigerator are shown (missing appliances reduce readiness moderately). Overall appears liveable after cosmetic repairs and installation of missing appliances."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "Porch and interior have handrails and secured metal railing at entry. No visible exposed wiring, ceilings intact, and bathroom/toilet present. However, no smoke detectors or CO alarms are visible in photos (required) and GFCI presence at kitchen sink cannot be confirmed. Sidewalk/entry steps show edge deterioration which is a trip hazard. Window egress for bedrooms appears likely but not fully confirmed. These unknowns (smoke/CO detectors, GFCI, egress verification) lower the safety score."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 70.0,
"rationale": "Listing states HVAC and water heater are updated; interior shows no visible water stains or active leaks. No HVAC equipment or electrical panel is photographed, so functionality is assumed per listing. Roof shingles visible look aged but without clear large failures in photos. Plumbing fixtures present and appear functional. Because system access and service records are not provided, remaining risk is moderate despite seller claims of recent updates."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Vinyl siding and painted foundation blocks look intact; yard is level and maintained. Porch and metal railings are present and appear stable. Concrete walkway/steps to the street shows spalling and uneven surfaces (trip hazard) and should be repaired. No visible standing water, major foundation cracks, or heavy exterior neglect 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": [
"No visible smoke/CO detectors in interior photos (likely automatic inspection fail if absent).",
"No stove or refrigerator shown (missing appliances reduce tenant readiness; not an automatic safety fail but delays move-in).",
"Concrete walkway/entry steps show spalling and uneven edges creating a trip hazard that should be repaired.",
"GFCI protection at sink/bath outlets not visible — may fail safety checklist if not present."
],
"confidence": 0.7,
"assumptions": [
"Seller/listing claim that HVAC and water heater are updated and functional is accurate (no service records provided).",
"No stove or refrigerator are present in photos; assume appliances are not provided and must be supplied by owner prior to move-in.",
"Smoke and carbon monoxide alarms are not visible in photos and are assumed missing or not up to code until verified.",
"Electrical panel and circuit condition not shown; assumed intact with typical mid-century updates but unverified (could affect inspection).",
"Bedroom windows provide required egress based on visible size, but exact measurements not confirmed.",
"Roof appears aged but without visible major failure; assume no active leak unless interior stains are reported.",
"No signs of active mold, major pest infestation, or major foundation movement visible in supplied photos."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4421 43rd St N, Birmingham, AL, 35217",
"aggregate": {
"summary": "Overall this is a moderately turnkey 3BR/1BA home with updated HVAC and water heater per the listing and generally sound interior and exterior conditions. Primary risks for an initial Section 8 (HUD/NSPIRE) inspection are missing/undocumented smoke and CO detectors, likely non-GFCI kitchen/bath outlets, and a cracked/uneven front walkway (trip hazard). These are fixable within a short timeframe (installation of detectors, GFCI replacement, walkway repair) and otherwise the property should be rent-ready within ~30 days after addressing those safety items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.7,
"rationale": "Interior and exterior photos show a generally sound, recently painted property with intact flooring, functioning doors and cabinets, and an updated HVAC/water heater per listing. Visible issues are mostly cosmetic: scuffed baseboards/trim, worn cabinet edges and a missing drawer/door on kitchen lower cabinet, some finish wear on flooring, and the listing/photos do not show a range or refrigerator (missing appliances). Porch and steps are painted but show wear. These are easy-to-fix or capital items and do not indicate major structural distress, so condition is moderately good but not turnkey."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 76.0,
"rationale": "Exterior siding and foundation block appear intact and in fair condition; yard is level and usable for tenants. Shrubbery is maintained. Porch has guardrails/handrails; steps are sound though painted and show wear. Concrete walk approach is cracked/uneven creating a trip hazard that should be repaired. No standing water, visible major foundation cracks, or roof collapse noted. Overall exterior condition is good with some minor safety/finish repairs recommended."
},
{
"key": "rental_history_activity",
"label": "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",
"score": 57.3,
"rationale": "Photos show intact stair handrails and a secure-looking exterior security door, but no smoke detectors or carbon monoxide alarms are visible in multiple interior photos (HUD/NSPIRE requires functioning smoke detectors in hallways/bedrooms). Kitchen and bathroom outlets visible appear to be standard devices; no GFCI receptacles are evident near sink/tub (potential NSPIRE/electrical deficiency). Walkway to porch has uneven/cracked concrete which is a trip hazard. No exposed wiring or obvious active leaks observed. Missing/absent smoke detectors and likely lack of GFCI create a moderate probability of initial inspection failure until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 70.0,
"rationale": "Listing states HVAC and water heater are updated; no visible evidence to contradict that (no exterior condensers shown, but interior vents/thermostat likely present). Roof shingles appear generally intact in photos with no visible sagging or active leaks. Plumbing fixtures (toilet, tub/shower, kitchen sink) are present and appear serviceable; water heater not pictured but listed as updated. Electrical panel and service are not visible in photos so cannot be confirmed; no exposed wiring observed. Based on listing claims and visible condition, major systems are likely functional but unverified—recommended to confirm HVAC and electrical panel operation prior to lease."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in interior photos (likely inspection failure until installed).",
"No obvious GFCI receptacles in kitchen/bath (potential electrical safety/code issue).",
"Cracked/uneven front walkway creating a trip hazard.",
"Missing range and refrigerator (reduces readiness; appliance provision should be clarified).",
"Electrical panel and service condition not documented (must be verified)."
],
"confidence": 0.79,
"assumptions": [
"Listing statement that HVAC and water heater are updated is accurate and systems are operational (units not pictured but assumed functional).",
"Windows shown provide compliant bedroom egress (double-hung windows appear present and operable).",
"No active roof leaks or hidden water intrusion exist beyond what is visible in photos; roof condition inferred as fair based on visible shingles.",
"Electrical panel condition and service capacity are unknown (not photographed); no exposed wiring observed in interior photos is taken as absence of immediate hazards.",
"Smoke and carbon monoxide alarms are not present (not visible in photos) and therefore treated as absent for safety scoring.",
"Kitchen appliances (range and refrigerator) are not present in photos and are therefore assumed missing unless provided separately.",
"No visible mold, major foundation movement, collapsed ceilings or other severe concealed defects are present; unseen issues cannot be excluded from photos."
],
"score_method": "mean_of_criteria",
"overall_score": 68.7,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8693793282"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.