Property ID: 8712076766
437 Dalton Dr, Birmingham, AL, 35215
Birmingham, AL
Money Down: $26,376
CoC Return: 19.99%
Monthly Cash Flow: $439
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,980
Closing Costs
$4,396
Total Down
$26,376
Investment Snapshot
Purchase Price
$109,900
Money Down
$26,376
Cash-on-Cash Return
19.99%
Rent
$1,271
Monthly Cash Flow
$439
Annual Cash Flow
$5,274
Debt Service / Mo
$585
Property Tax / Mo
$51
Insurance / Mo
$69
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,271
Payment Standard
$1,738
Rent
$1,271
Insurance
$69
Property Tax
$51
Management
$127
Utilities Allowance
$467
NOI (Monthly)
$1,024
Debt Service
$585
Cash Flow After Debt
$439
Quality Score: 72.50%
Confidence: 92.00%
This 3BR/2BA single-family house presents as a solid, mostly move-in-ready unit with cosmetic wear, a functional-looking HVAC unit, intact siding/roof, and a large fenced yard. The most probable inspection issues are missing kitchen appliances (stove/fridge), lack of visible smoke/CO detectors, and weathered rear deck boards/rail condition. These are fixable within a short timeframe; with appliance installation, detector verification/installation, and minor deck/finish repairs the property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$467
Guaranteed Section 8 Rent (PS - Utilities)
$1,271
Property Management
$127
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,900
Beds
3
Baths
2
Living Area
1,002 sqft
Lot Size
13,504 sqft
Year Built
1954
Days on Market
86
Capital Outlay
$26,376
Debt Service
$585
Property Tax / Mo
$51
Insurance / Mo
$69
Property Description
Discover this charming 3-bedroom, 2-bath home located in the desirable Roebuck area. Completely remodeled approximately six years ago, this property offers modern updates throughout. The kitchen features updated cabinets, countertops, and sink, while both bathrooms include newer vanities and beautifully tiled tub/shower combos. Enjoy energy efficiency with double-pane windows throughout. Outside, youll find a large fenced-in backyard, perfect for pets and outdoor activities, along with a newer wooden deck and a welcoming covered front porch. Dont miss your chanceschedule your showing today!
Utility Allowances
cooking
$21
Property details indicate all-electric systems (heating, water heating). 'Ala Power' is selected as a major local provider and the most expensive electric cooking option based on the schedule.
cooling
$22
Property details explicitly list electric central air conditioning. 'Alabama Power' is chosen as the most expensive electric A/C option from the schedule, consistent with other electric selections.
heating
$93
Property details specify the heating system is an electric heat pump. 'Ala Power' is selected as it's the most expensive electric heating option on the schedule.
other_electric
$68
This covers general electric use. 'Ala Power' is chosen for consistency with the property's other electric systems and is the most expensive option.
range_microwave
$6
The property listing does not state a microwave is provided. Per instructions, an allowance for a tenant-owned appliance is included.
refrigerator
$8
The property listing does not state a refrigerator is provided. Per instructions, an allowance for a tenant-owned appliance is included.
sewer
$151
The property details explicitly state the property is 'Sewer Connected'.
trash_collection
$20
The property is located in Birmingham, which is not an explicit option in the schedule. 'Jefferson City' is selected as a reasonable proxy, as the property is in Jefferson County.
water
$78
Property details list 'Public Water' and the property is located in Birmingham, matching an explicit option in the water schedule.
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$675
DP3 Annual Estimate$971
DP1 Monthly Equivalent$56
DP3 Monthly Equivalent$81
Replacement Value$78,300
Basis1,002 sqft / 1954
Nearby Houses
Photo unavailable
429 Dalton Dr
sold · 0.03 mi
Price: $54,900
2 bd / 1 ba · 960 sqft
Latest sale: $54,900 on Feb 10, 2017
Latest rent: —
Photo unavailable
429 Price Dr
sold · 0.06 mi
Price: $15,000
3 bd / 2 ba · 1,699 sqft
Latest sale: $15,000 on Jul 16, 2019
Latest rent: —
Photo unavailable
425 Price Dr
sold · 0.07 mi
Price: $84,000
3 bd / 1 ba · 1,100 sqft
Latest sale: $84,000 on Jun 29, 2018
Latest rent: $1,175 on Jun 17, 2024
Photo unavailable
653 Camp Cir
sold · 0.09 mi
Price: $35,000
3 bd / 1 ba · 1,569 sqft
Latest sale: $35,000 on Feb 28, 2017
Latest rent: $1,450 on Feb 03, 2026
Photo unavailable
424 Price Dr
sold · 0.11 mi
Price: $205,500
4 bd / 3 ba · 1,888 sqft
Latest sale: $205,500 on Jun 04, 2024
Latest rent: —
Photo unavailable
420 Price Dr
sold · 0.12 mi
Price: $115,000
3 bd / 1 ba · 1,157 sqft
Latest sale: $115,000 on Feb 04, 2025
Latest rent: $1,045 on Feb 20, 2023
Risk and Criteria Detail
Red Flags
- success
- No smoke/CO detectors visible in photos — absence would fail inspection if not present.
- Rear deck/steps show weathering and may need repair or replacement of boards/fasteners to ensure safe footing.
Assumptions
- Smoke and carbon monoxide detectors may be present but are not visible in photos; I assume none are guaranteed and must be verified/installed.
- Water heater and electrical panel exist and are operational though not pictured; assumed serviceable due to overall condition and presence of AC and meter.
- Heating is provided by the same central system as the visible AC condenser (typical for the area).
- Bedroom layouts include properly sized egress windows (photos show double-pane windows consistent with bedrooms but individual bedroom photos not provided).
- No active roof leaks or concealed mold issues are present; photos show intact roofing but interior ceiling photos are limited.
- Missing kitchen appliances (stove and refrigerator) will be provided or installed before tenancy; absence reduces turnkey score moderately.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $593 | $95,300 | $9,540 |
| 2023 | $593 | $91,700 | $9,180 |
| 2022 | $528 | $82,700 | $8,280 |
| 2021 | $443 | $70,900 | $7,100 |
| 2020 | $1,020 | $70,400 | $7,100 |
| 2010 | $1,019 | $72,300 | $14,460 |
| 2008 | $274 | $73,900 | $7,390 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-05 | Sold | $104,550 |
| 2020-03-06 | Sold | $119,000 |
| 2019-08-22 | Sold | $26,900 |
| 2019-03-11 | Sold | $28,350 |
Photo Gallery
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"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Property appears recently remodeled (listing says ~6 years) and photos show generally clean interior finishes, painted walls, intact flooring and updated kitchen cabinets/countertops. Observable deferred items: rear deck is weathered and needs sanding/board replacement/fastener tightening, some interior scuffs/paint touch-ups needed, and there is no stove or refrigerator present in the listed photos (appliance openings visible). Exterior paint and siding appear in good condition. These are mostly cosmetic/replaceable items that should be resolved with light-to-moderate repair/capital work."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 64.0,
"rationale": "No obvious life-threatening hazards visible: entry doors have locks and a deadbolt appears present at front entry, stairs and metal handrails are present at front porch, windows look intact and double-pane per listing (improves egress and energy). No exposed wiring or visibly damaged electrical panel outside. Unknown/uncertain items that reduce score: smoke detectors and carbon monoxide detectors are not visible in interior photos (likely need installation/verification), GFCI protection at kitchen outlets cannot be confirmed from photos, and hot water/heating operation not demonstrated. No signs of active water intrusion, severe mold, foundation movement or roof failure visible from exterior pictures."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Exterior photo shows a functioning HVAC condenser (unit present and mounted on pad) and an intact exterior electrical meter/panel. Roof shingles look relatively recent and in good visual condition with no sagging or visible missing large sections. Kitchen sink and fixtures are installed and plumbing access points (washer/dryer and range openings) are present. Water heater and furnace/air handler location and condition are not shown; hot water and full HVAC operation are assumptions to verify. Given visible components appear intact, risk is moderate and repair likely limited to verification and small fixes if needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Large, fully fenced yard (photos) provides safe private yard and looks level without standing water. Siding and foundation vents appear intact, gutters and downspouts are present (one downspout extension is on the ground but functional). Driveway has surface cracking but is serviceable. Rear deck shows weathering and will need maintenance; wooden raised planters and some yard debris present but no major site hazards observed. Trees are near the property but not indicating immediate structural risk."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing photos are current and accurately reflect the property's typical condition.",
"Interior photos show the main living areas—no visible signs of active leaks, severe mold, or structural cracking were present.",
"HVAC condenser visible outside is connected and operational (operation not verified in photos).",
"Water heater and hot water supply exist inside (not pictured) and are functional unless inspection proves otherwise.",
"Bedrooms have compliant egress windows (double-hung windows visible; size not measured).",
"Smoke detectors and CO alarms are not visible in the photos and should be assumed absent or requiring replacement/verification.",
"Kitchen range and refrigerator are not present in photos; appliances will need to be supplied or confirmed prior to move-in.",
"Electrical panel seen from exterior is intact but internal breaker condition and GFCI protection locations in kitchen/bath require verification during inspection."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/2BA single-family property is close to Section 8 rent-ready: exterior and interior appear maintained and recently updated, HVAC and service panel are present, and there are no visible structural failures. Primary inspection risks are missing/undocumented smoke and CO detectors, uncertain GFCI protection at kitchen sink, absence of stove/refrigerator in photos, and the weathered rear deck. With verification/installation of required detectors, confirmation of GFCI, installation or provision of standard kitchen appliances, and minor deck/gutter work, the unit is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Exterior and interior photos show a recently painted/maintained single-story home with updated kitchen cabinets, counters and vinyl/wood flooring. Cosmetic scuffs on interior walls, worn back deck boards/railings, and some foundation skirt visibility are present. Major visible deferred maintenance is limited. Range and refrigerator are not shown (missing appliances reduce readiness moderately). Overall repairs appear minor/cosmetic and achievable within 1–4 weeks."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 72.0,
"rationale": "No visible active leaks, sagging ceilings, foundation cracks, or exposed wiring in photos. Exterior electrical service and meter appear intact; entry door has two locks. Bedroom egress windows appear present. However there are no visible smoke/CO detectors in interior photos (could be present but not pictured) and no clearly identifiable GFCI at the kitchen sink area. The rear deck railings show weathering that may need fastening/verification. These unknowns create moderate inspection risk but no clear life‑threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, plumbing, electrical systems",
"score": 75.0,
"rationale": "Exterior shows a shingled roof in good visible condition (no sagging or obvious missing shingles). An exterior A/C condensing unit is present. Electrical meter and service conduit visible and appear intact. Kitchen sink and plumbing appear intact. Water heater and interior mechanicals (furnace, hot water heater age/condition) are not shown; based on exterior HVAC unit and recent remodeling claim, systems are likely functional but need verification. No visible drainage or major mechanical failures in photos."
},
{
"key": "exterior_site",
"label": "Yard, siding, drainage, walkways",
"score": 78.0,
"rationale": "Siding appears painted and in good condition, fencing encloses a large yard, and walkways/driveway are serviceable. Gutters and downspouts are present but one downspout extension is sitting on the ground (needs proper extension to direct water away from foundation). Rear deck shows weathering and should be repaired/stained. Yard is generally clear with no standing water visible. Overall site condition is good with minor maintenance needed."
}
],
"red_flags": [
"No smoke detectors visible in interior photos — absence or nonfunctioning detectors would fail inspection.",
"No clearly visible GFCI-protected outlet at kitchen sink — missing GFCI is a common NSPIRE fail item.",
"Kitchen range and refrigerator are not shown (appliances missing) — reduces tenant readiness and may impact lease-up.",
"Rear wooden deck shows weathering and potential loose boards/rail connections — needs repair/fastening to meet railing/tread requirements if deficient.",
"Downspout extension disconnected/lying on ground near foundation — could cause poor drainage and should be directed away from foundation."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC (heating and cooling) is present and functional based on exterior condenser and visible ceiling vents; furnace/air handler and water heater are assumed present but were not photographed.",
"Smoke and carbon monoxide detectors may be installed but are not visible in photos; assessor assumes detectors might need verification or replacement to meet current NSPIRE placement/operability requirements.",
"Kitchen outlets visible are standard outlets; GFCI protection near sink is not clearly visible and should be confirmed or installed if missing.",
"No active roof leaks or major hidden water intrusion are present (interior ceilings appear intact in photos), but attic and plumbing were not inspected.",
"Missing major appliances (stove/range and refrigerator) are present in neither photos nor listing text; lack of those appliances will need addressing before tenant move-in but are not assumed to be safety failures."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "437 Dalton Dr, Birmingham, AL, 35215",
"aggregate": {
"summary": "This 3BR/2BA single-family house presents as a solid, mostly move-in-ready unit with cosmetic wear, a functional-looking HVAC unit, intact siding/roof, and a large fenced yard. The most probable inspection issues are missing kitchen appliances (stove/fridge), lack of visible smoke/CO detectors, and weathered rear deck boards/rail condition. These are fixable within a short timeframe; with appliance installation, detector verification/installation, and minor deck/finish repairs the property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Property appears recently painted and was remodeled ~6 years ago per listing. Interior finishes (paint, crown molding, flooring) are present but show normal wear (scuffs on walls, scratched hardwood). Kitchen cabinets, counters, backsplash and vinyl plank floor are in place and visually serviceable. Missing major appliances (stove/range, refrigerator) are obvious from photos — these reduce turnkey readiness moderately but are easy/low-cost to remedy. Exterior deck and stairs show weathering and will likely need sanding/fastener replacement or minor board replacement. No visible broken windows, major drywall damage, or collapsed ceilings."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.7,
"rationale": "Siding and paint are in good condition; foundation perimeter vents are present. Large fenced yard in good condition, fence looks intact and secure. Driveway and walkways are present and serviceable though some staining and debris visible. Downspouts terminate at grade; grading appears generally level with no visible concentrated standing water. Some yard cleanup (leaves, garden beds) required but nothing affecting immediate occupancy."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 67.0,
"rationale": "No obvious life-safety hazards seen in photos (no collapsed ceilings, large foundation cracks, or standing water). Exterior electrical meter and service drop look intact; exterior AC disconnect and panel condition not shown. Smoke and carbon-monoxide detectors are not visible in photos — absence at inspection would be a fail and must be verified/installed. Deck railings are present on front porch; rear deck railing also present but the decking looks weathered which could create a trip/structural hazard if not repaired. GFCI protection in kitchen/bathrooms cannot be confirmed from images. Bedroom egress appears likely via double-pane windows shown but bedroom interiors not shown; assume egress OK unless interior bedroom windows are undersized. Plumbing fixtures (kitchen sink) visible; hot water equipment not shown."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electric, Roof)",
"score": 71.7,
"rationale": "Exterior AC condenser is present and appears in reasonable condition (no visible damage). Roof shingles appear in good condition from photos and gutters/downspouts are installed. Water heater and electrical panel are not pictured, so condition is assumed serviceable given overall property condition and recent remodel; this is a moderate uncertainty. Kitchen plumbing fixtures visible and appear intact. No visible evidence of active leaks or roof penetration issues in photo set."
}
],
"red_flags": [
"No smoke/CO detectors visible in photos — absence would fail inspection if not present.",
"Rear deck/steps show weathering and may need repair or replacement of boards/fasteners to ensure safe footing."
],
"confidence": 0.92,
"assumptions": [
"Smoke and carbon monoxide detectors may be present but are not visible in photos; I assume none are guaranteed and must be verified/installed.",
"Water heater and electrical panel exist and are operational though not pictured; assumed serviceable due to overall condition and presence of AC and meter.",
"Heating is provided by the same central system as the visible AC condenser (typical for the area).",
"Bedroom layouts include properly sized egress windows (photos show double-pane windows consistent with bedrooms but individual bedroom photos not provided).",
"No active roof leaks or concealed mold issues are present; photos show intact roofing but interior ceiling photos are limited.",
"Missing kitchen appliances (stove and refrigerator) will be provided or installed before tenancy; absence reduces turnkey score moderately."
],
"score_method": "mean_of_criteria",
"overall_score": 72.5,
"rubric_version": "nsPIRE-v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8712076766"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.