Property ID: 8699752041
3635 Cypress St, Metairie, LA, 70001
Metairie, LA
Money Down: $56,400
CoC Return: 0.35%
Monthly Cash Flow: $17
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$47,000
Closing Costs
$9,400
Total Down
$56,400
Investment Snapshot
Purchase Price
$235,000
Money Down
$56,400
Cash-on-Cash Return
0.35%
Rent
$1,696
Monthly Cash Flow
$17
Annual Cash Flow
$199
Debt Service / Mo
$1,251
Property Tax / Mo
$157
Insurance / Mo
$102
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$102
Property Tax
$157
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,267
Debt Service
$1,251
Cash Flow After Debt
$17
Quality Score: 75.20%
Confidence: 85.00%
This raised cottage appears likely to pass an initial HCV/NSPIRE inspection after minor corrections (install/verify smoke & CO alarms, add/verify GFCI outlets where required, address small cosmetic and storage-shed issues). Major systems have been updated in the last 10 years (water heater 2021, heater 2020, windows 2017, roof 2013) which reduces structural and system risk. Primary inspection risks are missing or unshown life-safety devices and the dilapidated shed. With a short checklist of code items and minor cosmetic work, the property is likely rent-ready within 1–4 weeks.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$235,000
Beds
3
Baths
1.5
Living Area
1,308 sqft
Lot Size
3,690 sqft
Year Built
1950
Days on Market
14
Capital Outlay
$56,400
Debt Service
$1,251
Property Tax / Mo
$157
Insurance / Mo
$102
Property Description
Charming raised cottage in demand location of Metairie, 70001 - convenient to Airline Dr, Causeway Blvd, Old Metairie & everywhere you need to go. Step up to the sweet front porch and into the living room with gorgeous original architectural details - arched walls, curved ceilings, hardwood floors and millwork, ready for a new owner to make it shine! Two bedrooms and full hall bath on left hallway have lots of great natural light and storage. An additional bedroom/half bath is on the right. Kitchen is spacious and ready for an update. Large indoor laundry room with pantry as well. Shed in back is not in good shape, but could serve as storage with a covered patio area for outdoor enjoyment. Driveway can fit two cars off-street. This property has potential for great rental income or a fabulous flip! Windows replaced in 2017, water heater 2021, heater 2020, AC condenser 2011, roof 2013. Sellers are selling as is.
Utility Allowances
cooking
$12
The property includes a natural gas supply and a range/oven, so the natural gas cooking allowance was selected.
heating
$70
The property is equipped with central heating and has a natural gas supply, making gas the most probable heating fuel.
water_heating
$24
A water heater is present and natural gas is available; this is the inferred fuel type for the water heater.
other_electric
$67
This is a standard fixed allowance for general electricity, lighting, and appliances, including the property's central air conditioning.
water
$43
The property is connected to a public water source as stated in the listing details.
sewer
$46
The property is connected to the city's public sewer system as stated in the listing details.
trash_collection
$25
This is a standard fixed allowance for trash collection service for a single-family residence in this area.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,223
DP3 Annual Estimate$1,223
DP1 Monthly Equivalent$102
DP3 Monthly Equivalent$102
Replacement Value$99,000
Basis1,308 sqft / 1950
Nearby Houses
Photo unavailable
418 Division St
off_market · 0.08 mi
Price: $289,000
3 bd / 2 ba · 1,266 sqft
Latest sale: — on Nov 25, 2019
Latest rent: $1,350 on Jun 21, 2012
Photo unavailable
3634 Bauvais St Unit 3636
off_market · 0.08 mi
Price: $1,850
3 bd / 1 ba · 1,350 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3635 Derbigny St
off_market · 0.11 mi
Price: $1,400
2 bd / 1 ba · 1,000 sqft
Latest sale: —
Latest rent: $1,400 on Jan 30, 2026
Photo unavailable
3701A Derbigny St
off_market · 0.13 mi
Price: $2,150
2 bd / 2 ba · 1,150 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3701 Derbigny St Unit 3703
off_market · 0.13 mi
Price: $1,350
1 bd / 1 ba
Latest sale: —
Latest rent: $1,750 on Aug 20, 2025
Photo unavailable
622 Division St
off_market · 0.13 mi
Price: $296,000
2 bd / 1 ba · 915 sqft
Latest sale: — on Oct 29, 2021
Latest rent: —
Photo unavailable
3702 Civic St
off_market · 0.13 mi
Price: $269,000
3 bd / 1 ba · 1,134 sqft
Latest sale: —
Latest rent: $1,700 on Jan 17, 2023
Photo unavailable
703 Waltham St
off_market · 0.15 mi
Price: $1,500
1 bd / 1 ba · 900 sqft
Latest sale: —
Latest rent: $1,500 on Jul 31, 2025
Photo unavailable
3515 Derbigny St
off_market · 0.15 mi
Price: $229,900
2 bd / 1 ba · 1,159 sqft
Latest sale: — on Dec 12, 2014
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors and carbon monoxide alarms are not visible in photos but are assumed likely present; if absent they will need installation.
- GFCI protection in kitchen and bathrooms is not visible; assume at least basic outlets are present but GFCI may need verification/upgrade.
- Electrical panel is intact and has no visible hazard; no exposed high-voltage wiring is observed in photos.
- HVAC (heat and AC) are present and functional based on listing ages (heater 2020, AC condenser 2011), though AC is older and may have reduced efficiency.
- Water heater is functional (installed 2021) providing working hot water.
- Bedrooms have operable egress windows as shown in photos (satisfies egress requirement).
- Shed is in poor condition per listing and should not be relied on for safe storage without repair; it does not affect dwelling structural integrity.
- No visible active roof leaks, major foundation cracks, or structural sagging were observed in photos.
- Appliances (stove, refrigerator) are present in photos; missing small items not shown (e.g., outlet covers) could be corrected quickly.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,831 | $145,100 | $14,510 |
| 2024 | $1,828 | $145,100 | $14,510 |
| 2023 | $1,831 | $139,200 | $13,920 |
| 2022 | $1,783 | $139,200 | $13,920 |
| 2021 | $1,656 | $139,200 | $13,920 |
| 2020 | $1,644 | $139,200 | $13,920 |
| 2019 | $1,690 | $139,200 | $13,920 |
| 2018 | $1,578 | $139,200 | $13,920 |
| 2017 | $1,578 | $139,200 | $13,920 |
| 2016 | $1,547 | $139,200 | $13,920 |
| 2015 | $1,585 | $139,200 | $13,920 |
| 2014 | $1,565 | $139,200 | $13,920 |
| 2013 | $1,565 | $139,200 | $13,920 |
| 2012 | $1,565 | $139,200 | $13,920 |
| 2011 | $1,478 | $140,400 | $14,040 |
| 2010 | $1,441 | $140,400 | $14,040 |
| 2009 | $1,441 | $140,400 | $14,040 |
| 2008 | $1,427 | — | $14,040 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2004-11-02 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2020-11-06 | Listed for rent | $1,350 | — |
| 2020-05-21 | Listed for rent | $1,400 | — |
Photo Gallery
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},
{
"summary": "This raised cottage appears largely structurally sound and cosmetically dated but habitable. Major systems have recent service dates (heater 2020, water heater 2021) and windows were replaced 2017; roof (2013) and AC (2011) are older but not visibly failing. The property would likely pass an initial HCV inspection after addressing a few quick safety items commonly checked by NSPIRE (install/verify smoke and CO detectors, confirm GFCI outlets in kitchen/baths, verify electrical panel labeling). Cosmetic updates (kitchen counters/cabinets, bedroom carpeting, shed repair/removal) are recommended but are capital/minor rather than inspection-blocking. Estimated turnkey readiness: minor work required (within 1–4 weeks) to meet NSPIRE checklist.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Interior finishes are generally intact: hardwood floors in living areas, painted walls, functional-looking cabinetry and fixtures. Kitchen has appliances present (range, refrigerator) but cabinets/counters are dated and carpeted bedrooms show wear — cosmetic updates likely. Backyard shed described as 'not in good shape' (seller note) but is an outbuilding only. Seller is selling 'as-is' which suggests minor deferred maintenance. Overall primarily cosmetic and fixture/updating work; missing or worn finishes reduce score moderately but no pervasive structural visible damage."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No visible active hazards in photos (no sagging ceilings, no visible severe water damage, stairs/porch have railings). However critical safety items are not visible in photos: smoke detectors and carbon-monoxide detector not shown; GFCI protection at kitchen sink not evident; electrical panel and outlet conditions not shown. Kitchen appears to have a gas range/vent hood which would require CO detector. These missing/unknown safety devices present a moderate inspection risk but are usually quick fixes (install detectors, add GFCI)."
},
{
"key": "systems_mechanical",
"label": "Mechanical systems condition",
"score": 75.0,
"rationale": "Listing states systems updates: windows 2017, water heater 2021, heater 2020, AC condenser 2011, roof 2013. Water heater and heater are recent (good), AC and roof are older but within reasonable service life for now. No visible leaks or corroded piping; plumbing fixtures in bathrooms look functional. Electrical service and panel not visible in photos, limiting full assessment. Overall systems appear serviceable but AC age and lack of panel view are moderate concerns."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Street-facing exterior and siding appear well-maintained; driveway provides off-street parking for two. Porch and steps present with railing. Listing notes shed in back in poor condition, reducing site score. No visible major foundation cracking, but foundation is raised and not fully viewable. Yard and walkways are passable though front step has a small crack; no standing water or obvious drainage failure shown."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon-monoxide detector in photos — potential automatic inspection failure until installed/verified.",
"GFCI protection at kitchen sink/near water sources not evident in photos — potential safety/code issue requiring correction.",
"Shed in rear described as 'not in good shape' — could present safety/hazard if accessible; recommend remove/secure prior to occupancy."
],
"confidence": 0.75,
"assumptions": [
"Smoke detectors and carbon monoxide detector are not visible in photos; assume not verified/present or need replacement/relocation to meet NSPIRE requirements.",
"Kitchen range is gas (vent hood present); therefore CO detector is required by many local codes and NSPIRE guidance where fuel-burning appliances exist.",
"Electrical panel location and condition were not shown; assume service is intact with no obvious unsafe wiring visible inside photographed rooms.",
"Bedroom egress windows are standard and functional based on window size visible in photos; full egress compliance not verified but likely for a 1950 cottage with replaced windows (2017).",
"No evidence of active roof leaks, major foundation movement, or structural sagging in photos; assume none present unless discovered on in-person inspection.",
"Shed in back is in poor condition per listing and is considered non-essential for passing inspection; its removal or securing would be advised."
],
"overall_score": 71.0,
"rubric_version": "nsPIRE-analyst-v1"
},
{
"summary": "Property appears largely turn‑key with good cosmetic condition and serviceable major systems (recent water heater and heater). Primary inspection risks are administrative/safety items not visible in photos: smoke and CO detectors, GFCI protection in kitchen/baths, and verification of electrical panel condition. Exterior shed is deteriorated and should be addressed. With installation/verification of detectors and GFCI outlets and minor maintenance checks (HVAC, roof), this home is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 80.0,
"rationale": "Interior photos show generally well-maintained finishes: intact hardwood floors, clean painted walls, functioning cabinetry and fixtures. Kitchen is serviceable but cosmetically dated (listed as 'ready for an update'); appliances (range and likely refrigerator) appear present. Bathrooms look intact with no visible water damage. Exterior shed is described as 'not in good shape' (cosmetic/outbuilding issue). Overall visible issues are cosmetic or moderate updates rather than major repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No visible active life‑threatening hazards in photos: ceilings intact, no visible leaks, stairs/porch have railings, no exposed wiring seen. However, important NSPIRE items are not visible in photos: smoke detectors, carbon monoxide alarm, and presence of GFCI‑protected outlets in kitchen/baths cannot be confirmed. Stove appears to be gas which makes CO detector more likely required. Given lack of visible detectors/GFCI evidence, moderate risk of fail on initial inspection until those devices are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, roof, water heater, electrical)",
"score": 80.0,
"rationale": "Listing provides recent service dates: water heater 2021, heater 2020, windows 2017, roof 2013, AC condenser 2011. Photos show intact ceilings and no visible water stains. Plumbing fixtures appear functional. HVAC components appear present (ceiling vents, condenser listed). Electrical panel and full wiring condition not shown. Based on reported dates and lack of visible system distress, systems appear serviceable but some components (AC, roof) are aging and may need inspection/maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and yard condition",
"score": 75.0,
"rationale": "Front elevation shows sound siding, entry steps and handrail, driveway for two cars. Yard and sidewalks are generally serviceable. The listing specifically notes the rear shed is in poor condition; if the shed is unsecured or a safety hazard it should be repaired or removed. No visible foundation movement, major drainage issues, or standing water are evident from photos."
},
{
"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 photos — likely needed or must be verified prior to inspection.",
"No evidence of GFCI outlets in kitchen and bathrooms in photos — may cause inspection fail if not present.",
"Rear shed described as 'not in good shape' (poor condition) — could be an exterior safety hazard and should be repaired or removed."
],
"confidence": 0.65,
"assumptions": [
"Interior appliances: a range/stove is present (visible); a refrigerator is presumed present though not clearly shown in every photo.",
"Heating (2020) and water heater (2021) are operational as reported in listing.",
"No active roof leaks or concealed water damage are present beyond what is visible in photos (no stains or sagging ceilings seen).",
"Bedrooms have appropriately sized egress windows (beds show typical double windows consistent with egress) though measurements not verified.",
"Electrical panel is intact and not showing visible exterior hazards (panel not shown; assumed typical for a maintained single‑family home)."
],
"overall_score": 77.0,
"rubric_version": "ns1.0-photo-assessment-2026-03"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3635 Cypress St, Metairie, LA, 70001",
"aggregate": {
"summary": "This raised cottage appears likely to pass an initial HCV/NSPIRE inspection after minor corrections (install/verify smoke & CO alarms, add/verify GFCI outlets where required, address small cosmetic and storage-shed issues). Major systems have been updated in the last 10 years (water heater 2021, heater 2020, windows 2017, roof 2013) which reduces structural and system risk. Primary inspection risks are missing or unshown life-safety devices and the dilapidated shed. With a short checklist of code items and minor cosmetic work, the property is likely rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 79.3,
"rationale": "Interior photos show generally well-maintained original features (hardwood floors, millwork) with cosmetic wear only. Kitchen and cabinets are older but appear serviceable; stove and fridge are present in photos (reduces penalty for missing appliances). Carpeting in bedrooms appears worn along edges and will likely need cleaning or replacement. Listing notes the back shed is 'not in good shape' (affects storage but not primary dwelling). Sellers are selling as-is which implies some minor deferred items, but there is no visible major damage inside. Overall mostly cosmetic and minor repair needs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.0,
"rationale": "Front exterior and siding appear intact and painted, front porch and steps look serviceable though the front step shows a small surface crack. Driveway fits two cars as listed. Yard is tidy and walkways clear. The detached shed is reported as 'not in good shape' which reduces site score — it could be an access/maintenance issue and potential safety hazard if used for storage without repair. No visible foundation movement or drainage pooling shown, but grading/drainage cannot be fully assessed from photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE items)",
"score": 67.3,
"rationale": "No visible active leaks, collapsed ceilings, severe mold, or obvious electrical hazards in photos. Bedroom egress windows appear present and adequate. Entry stoop has railings on both sides. Major safety components (smoke detectors, CO alarms, GFCI receptacles, electrical panel condition, deadbolt) are not shown in photos; absence of visible detectors reduces confidence and requires verification. Plumbing fixtures and bathroom appear intact. Given recent mechanical updates (water heater 2021, heater 2020) life-safety plumbing/heat risks are lower but smoke/CO/GFCI verification is likely required for inspection pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 79.0,
"rationale": "Listing provides system ages: water heater 2021, heater 2020, AC condenser 2011, roof 2013, windows 2017 — these dates indicate relatively recent major replacements and reduce system-failure risk. No visible signs of plumbing or electrical failure in photos. The AC condenser is older (2011) but likely functional; heater and water heater are recent which is favorable. Electrical panel, ductwork and drains not visible and should be checked during inspection, but available information supports good mechanical condition."
}
],
"red_flags": [],
"confidence": 0.85,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos but are assumed likely present; if absent they will need installation.",
"GFCI protection in kitchen and bathrooms is not visible; assume at least basic outlets are present but GFCI may need verification/upgrade.",
"Electrical panel is intact and has no visible hazard; no exposed high-voltage wiring is observed in photos.",
"HVAC (heat and AC) are present and functional based on listing ages (heater 2020, AC condenser 2011), though AC is older and may have reduced efficiency.",
"Water heater is functional (installed 2021) providing working hot water.",
"Bedrooms have operable egress windows as shown in photos (satisfies egress requirement).",
"Shed is in poor condition per listing and should not be relied on for safe storage without repair; it does not affect dwelling structural integrity.",
"No visible active roof leaks, major foundation cracks, or structural sagging were observed in photos.",
"Appliances (stove, refrigerator) are present in photos; missing small items not shown (e.g., outlet covers) could be corrected quickly."
],
"score_method": "mean_of_criteria",
"overall_score": 75.2,
"rubric_version": "nsPIRE-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8699752041"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.