523 Romain St, Gretna, LA, 70053
Gretna, LA
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 65.30%
Confidence: 95.00%
Overall the property appears to be a livable 1940s vintage home with mostly cosmetic and moderate maintenance items. Appliances are present, HVAC equipment is visible, and the exterior and roof look serviceable. The primary inspection risks are missing/undocumented smoke and CO detectors, ceiling stains indicating past or possible active leaks that require investigation and repair, and stained carpeting/finish work. With 1-3 weeks of targeted repairs (address detectors, investigate and repair leaks, replace or professionally clean carpets, confirm GFCI and electrical panel condition, touch-up paint/trim), it is likely to pass an initial HCV/NSPIRE inspection. If the ceiling stains reflect active roof or plumbing failure, the timeline and cost could increase.
Property Fundamentals
Property Description
Charming home nestled in the heart of Old Gretna's historic neighborhood. A spacious two story 4 bed/ 2 bath. Located within walking distance from local cafes and a short commute to New Orleans. A must see for lovers of character and unique vintage architecture. Potential for restoration or move in ready with vintage appeal.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
View QuoteNearby Houses
1416 Madison St
1422 Jefferson St Lot 2B
1333 Jefferson St
419 Romain St
500 Solon St
1514 Franklin Ave
Properties Used for Comps
Risk and Criteria Detail
Red Flags
- success
- Ceiling stains / water intrusion visible in at least one bedroom area — possible active leak
- No visible smoke detectors or carbon monoxide alarms in photographed areas
- Stained carpeting and flooring in bedrooms — potential sanitation or hidden mold risk
- No obvious GFCI outlet visible in kitchen photos (kitchen electrical safety not confirmed)
Assumptions
- Photos represent typical condition throughout the unit; no hidden major structural damage not shown in images.
- Kitchen appliance on left (tall white appliance) is a refrigerator/pantry — assumed present and operational.
- HVAC is operational because supply vents and a wall-mounted mini-split are visible; full functionality not verified.
- Water heater and electrical panel are present but not photographed; assumed serviceable until inspection.
- No active pests or heavy mold present beyond staining visible in photos; stains are assumed to be from prior leaks but require inspection.
- Bedrooms have adequate egress via pictured windows/doors; exact dimensions and required egress sizes not measured from photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,474 | $108,400 | $10,840 |
| 2024 | $1,476 | $108,400 | $10,840 |
| 2023 | $1,435 | $100,400 | $10,040 |
| 2022 | $1,435 | $100,400 | $10,040 |
| 2021 | $1,364 | $100,400 | $10,040 |
| 2020 | $1,356 | $100,400 | $10,040 |
| 2019 | $1,377 | $100,400 | $10,040 |
| 2018 | $1,296 | $100,400 | $10,040 |
| 2017 | $1,168 | $100,400 | $10,040 |
| 2016 | $1,148 | $100,400 | $10,040 |
| 2015 | $1,135 | $98,500 | $9,850 |
| 2014 | $1,133 | $98,500 | $9,850 |
| 2013 | $1,133 | $98,500 | $9,850 |
| 2012 | $631 | $98,500 | $9,850 |
| 2011 | $582 | $96,900 | $9,690 |
| 2010 | $606 | $96,900 | $9,690 |
| 2009 | $1,032 | $96,900 | $9,690 |
| 2008 | $134 | — | $9,690 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-24 | Listed | $300,000 |
| 2015-09-04 | Listing removed | $1,300 |
| 2015-09-04 | Listing removed | $163,000 |
| 2015-06-24 | Listed for rent | $1,300 |
| 2015-06-24 | Listed | $163,000 |
Photo Gallery
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"assessment": {
"land": 1930,
"total": 10040,
"building": 8110
}
},
{
"tax": 1296,
"year": 2018,
"market": {
"land": 19300,
"total": 100400,
"building": 81100
},
"assessment": {
"land": 1930,
"total": 10040,
"building": 8110
}
},
{
"tax": 1168,
"year": 2017,
"market": {
"land": 19300,
"total": 100400,
"building": 81100
},
"assessment": {
"land": 1930,
"total": 10040,
"building": 8110
}
},
{
"tax": 1148,
"year": 2016,
"market": {
"land": 19300,
"total": 100400,
"building": 81100
},
"assessment": {
"land": 1930,
"total": 10040,
"building": 8110
}
},
{
"tax": 1135,
"year": 2015,
"market": {
"land": 15500,
"total": 98500,
"building": 83000
},
"assessment": {
"land": 1550,
"total": 9850,
"building": 8300
}
},
{
"tax": 1133,
"year": 2014,
"market": {
"land": 15500,
"total": 98500,
"building": 83000
},
"assessment": {
"land": 1550,
"total": 9850,
"building": 8300
}
},
{
"tax": 1133,
"year": 2013,
"market": {
"land": 15500,
"total": 98500,
"building": 83000
},
"assessment": {
"land": 1550,
"total": 9850,
"building": 8300
}
},
{
"tax": 631,
"year": 2012,
"market": {
"land": 15500,
"total": 98500,
"building": 83000
},
"assessment": {
"land": 1550,
"total": 9850,
"building": 8300
}
},
{
"tax": 582,
"year": 2011,
"market": {
"land": 15500,
"total": 96900,
"building": 81400
},
"assessment": {
"land": 1550,
"total": 9690,
"building": 8140
}
},
{
"tax": 606,
"year": 2010,
"market": {
"land": 15500,
"total": 96900,
"building": 81400
},
"assessment": {
"land": 1550,
"total": 9690,
"building": 8140
}
},
{
"tax": 1032,
"year": 2009,
"market": {
"land": 15500,
"total": 96900,
"building": 81400
},
"assessment": {
"land": 1550,
"total": 9690,
"building": 8140
}
},
{
"tax": 134,
"year": 2008,
"market": null,
"assessment": {
"land": null,
"total": 9690,
"building": null
}
}
],
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{
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{
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{
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{
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"listing": {
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"list_date": "2015-06-24T07:00:00Z",
"list_price": 1300,
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"last_status_change_date": "2015-06-24T07:00:00Z"
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"price_sqft": 0.5577005577005577,
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"days_after_listed": null,
"source_listing_id": "2017420",
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{
"date": "2015-06-24",
"price": 163000,
"listing": {
"status": "off_market",
"list_date": "2015-06-24T07:00:00Z",
"list_price": 163000,
"listing_id": "598096351",
"last_update_date": "2015-06-24T19:26:51Z",
"last_status_change_date": "2015-06-24T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 69.92706992706992,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2017413",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
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},
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"reason": "disabled",
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},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 65.3
},
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"zip_code": "70053",
"home_photo": "https://ap.rdcpix.com/a5231a6be0e54632dce931ce55fdd3c3l-m3517560699s-w1280.jpg",
"rent_price": 2002.0,
"loan_amount": 240000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/523-Romain-St_Gretna_LA_70053_M87320-16827",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 300000.0,
"loan_term_years": 30,
"annual_cash_flow": 17924.38,
"mortgage_monthly": 1596.73,
"payment_standard": 2328.0,
"total_amount_out": 60000.0,
"additional_photos": [
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"down_payment_rate": 0.2,
"insurance_monthly": 181.58,
"monthly_cash_flow": 1493.7,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property is specified as having central heating and a natural gas connection. The 'natural_gas' option for a 4-bedroom unit was selected from the schedule.",
"utility": "heating",
"allowance": 79
},
{
"note": "The property includes a range and is connected to natural gas. The 'natural_gas' option for a 4-bedroom unit was selected.",
"utility": "cooking",
"allowance": 14
},
{
"note": "The property has a natural gas connection, making it the most probable and cost-effective fuel for water heating. The 'natural_gas' option for a 4-bedroom unit was chosen.",
"utility": "water_heating",
"allowance": 27
},
{
"note": "This is a standard allowance for a 4-bedroom unit, covering general electricity use such as lights, outlets, central air conditioning, and miscellaneous appliances (including the provided microwave).",
"utility": "other_electric",
"allowance": 77
},
{
"note": "The property is listed as having a public water source. The allowance is the fixed rate for a 4-bedroom unit.",
"utility": "water",
"allowance": 50
},
{
"note": "Sewer service is inferred from the property's public water connection and its urban location. The allowance is the fixed rate for a 4-bedroom unit.",
"utility": "sewer",
"allowance": 54
},
{
"note": "This is a standard municipal service for a single-family home. The allowance is the fixed rate for a 4-bedroom unit.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 60000.0,
"property_tax_annual": 1518.22,
"property_tax_monthly": 126.52,
"property_tax_increase": 0.03,
"utility_allowance_total": 326.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
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"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -1236.33,
"property_management_monthly": 200.2,
"monthly_cash_flow_after_debt": -103.03,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be a livable 1940s vintage home with mostly cosmetic and moderate maintenance items. Appliances are present, HVAC equipment is visible, and the exterior and roof look serviceable. The primary inspection risks are missing/undocumented smoke and CO detectors, ceiling stains indicating past or possible active leaks that require investigation and repair, and stained carpeting/finish work. With 1-3 weeks of targeted repairs (address detectors, investigate and repair leaks, replace or professionally clean carpets, confirm GFCI and electrical panel condition, touch-up paint/trim), it is likely to pass an initial HCV/NSPIRE inspection. If the ceiling stains reflect active roof or plumbing failure, the timeline and cost could increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 70.0,
"rationale": "Interior appears largely intact with recent cosmetic updates (paint, new-looking tile floors in common areas). Visible deferred items: stained/soiled carpeting in multiple bedrooms, scuffed baseboards and trim, ceiling texture irregularities and stains in at least one bedroom/ceiling area, some minor concrete cracking at front walk/porch. Major appliances (gas range, likely refrigerator) are present. Overall mostly cosmetic and moderate-repair items; replacement/cleaning of carpets, spot drywall/ceiling repair and paint, and some trim work should make the unit turnkey."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several safety compliance unknowns and a few concerns visible: no smoke detectors or carbon monoxide alarms are visible in the photos; GFCI presence in the kitchen is not evident; ceiling stains indicate prior or potential active water intrusion which is a safety/health concern until confirmed; exterior and interior doors appear to have secure locks but deadbolt presence is unclear in all entries. No exposed wiring or obvious missing guardrails seen in photos. Bedroom egress appears available via exterior doors and windows but full egress compliance cannot be confirmed from photos alone."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "HVAC evidence: a ducted vent and a wall-mounted mini-split unit are visible, suggesting functional cooling/heating options. Kitchen has a connected gas range and double sink indicating plumbing available; water heater and electrical panel are not shown. Roof visible in front appears to be metal and in decent visual condition. Ceiling stains indicate past or ongoing water intrusion that could affect systems and should be investigated. No obvious signs of electrical hazard, but panel and water heater status need verification."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site & access",
"score": 75.0,
"rationale": "Front elevation shows intact siding, painted trim, and a metal roof that appears serviceable. Front steps have a metal handrail; a wooden ADA-style ramp/driveway guard exists on one side. Concrete at front walk/porch shows cracking and slight settlement creating minor trip hazards. Yard and fence appear maintained. No visible standing water, major foundation cracks, or collapsed elements in the photos."
}
],
"red_flags": [
"Ceiling stains / water intrusion visible in at least one bedroom area — possible active leak",
"No visible smoke detectors or carbon monoxide alarms in photographed areas",
"Stained carpeting and flooring in bedrooms — potential sanitation or hidden mold risk",
"No obvious GFCI outlet visible in kitchen photos (kitchen electrical safety not confirmed)"
],
"confidence": 0.6,
"assumptions": [
"Photos represent typical condition throughout the unit; no hidden major structural damage not shown in images.",
"Kitchen appliance on left (tall white appliance) is a refrigerator/pantry — assumed present and operational.",
"HVAC is operational because supply vents and a wall-mounted mini-split are visible; full functionality not verified.",
"Water heater and electrical panel are present but not photographed; assumed serviceable until inspection.",
"No active pests or heavy mold present beyond staining visible in photos; stains are assumed to be from prior leaks but require inspection.",
"Bedrooms have adequate egress via pictured windows/doors; exact dimensions and required egress sizes not measured from photos."
],
"overall_score": 66.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 1940 vintage single-family home appears to be in moderately good condition with updated-looking finishes in common areas and a functioning gas range and HVAC equipment visible. Primary risks for an initial HCV/NSPIRE inspection are missing/undocumented smoke and carbon-monoxide detectors, probable missing GFCI protection at kitchen counters, stained carpeting and cosmetic ceiling patches (possible prior water intrusion), and a potentially non-compliant exterior ramp/handrail. These are mostly repairable within a short timeline (platform of safety fixes, detector installation, carpet replacement/cleaning, GFCI retrofit and minor exterior rail work) — likely rentable within 2–6 weeks if mechanicals (water heater, electrical panel, HVAC) test functional. Recommend on-site verification of detectors, hot water, electrical panel, and a quick roof/plumbing check to rule out active leaks before listing for Section 8 tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 70.0,
"rationale": "Interior appears largely intact and recently painted with new-looking tile/laminate flooring in main areas and updated kitchen cabinets/countertops. Kitchen includes a gas range and a large upright appliance that appears to be a refrigerator. Visible deferred items: stained/soiled carpeting in bedrooms, scuffed baseboards and trim, cosmetic drywall/ceiling patches and discoloration, worn window/door trims and minor exterior concrete cracking. No large-scale interior demolition or obvious structural damage visible. Missing small finishes (outlet covers, touch-up paint) and carpet replacement are easy-to-fix capital items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risks",
"score": 60.0,
"rationale": "No smoke or carbon-monoxide detectors are visible in photos (required). Kitchen sink area does not show a clearly labeled/visible GFCI receptacle; GFCI compliance unknown. Exterior egress: bedrooms show windows and at least one door to exterior which may meet egress but sizing cannot be confirmed from photos. Front steps have metal handrails; exterior ramp exists but the handrail/guard configuration appears non-compliant or incomplete (single post, limited continuous rail). Ceiling discoloration in a few rooms suggests past water intrusion which could be an active safety/sanitation issue if unresolved. No exposed live wiring or obvious electrical fires visible, and entry doors show locking hardware; panel location and condition not shown. Overall: moderate NSPIRE safety risk due to missing detectors, probable missing GFCI near sink, and possible moisture history."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC/plumbing/electrical/roof)",
"score": 65.0,
"rationale": "HVAC evidence: a ductless mini-split unit is visible in the living area and ceiling vents are present in other rooms, indicating some functioning heating/cooling infrastructure, though operational status is unverified. Kitchen has a modern gas stove; no water heater, furnace, electrical panel, or meter location are shown. Roof appears to be metal and visually intact from the front elevation. Ceiling stains indicate possible past roof/plumbing leaks that should be further evaluated. Plumbing fixtures (kitchen double sink) present but hot water availability and water heater condition are not documented. Electrical condition cannot be fully assessed from images; outlets and switches present but panel not shown."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate grounds",
"score": 70.0,
"rationale": "Front elevation shows intact siding, a seemingly sound metal roof, and a level porch. Concrete walkway and front concrete area show cracks and displacement but are functional; some trip-hazard risk from uneven slabs near the sidewalk. Landscaping is minimal but not overgrown. Exterior ramp exists (good for accessibility) but appears to lack continuous guard/handrail and may not meet code. Fencing and neighboring buildings visible; no evidence of active infestation. Foundation exposure is minimal in photos; no major visible foundation movement."
}
],
"red_flags": [
"No visible smoke or carbon-monoxide detectors in images (NSPIRE failure if not installed).",
"Ceiling discoloration/staining in multiple rooms suggesting possible past or ongoing water intrusion or roof/plumbing leaks — requires verification.",
"Exterior ramp/guardrail appears incomplete or non-compliant (missing continuous handrail) which may fail inspection/municipal code."
],
"confidence": 0.65,
"assumptions": [
"Kitchen includes a gas stove and an upright white appliance that is assumed to be a refrigerator based on photos.",
"HVAC is present (mini-split visible) and ceiling vents indicate central ducting; operational status is unknown and assumed serviceable unless testing shows otherwise.",
"Water heater and main electrical panel exist on the property but were not photographed; their condition is unknown.",
"No smoke or CO detectors were visible in photos; assume none are installed or not in required locations.",
"GFCI outlets near kitchen sink were not visible; assume GFCI protection at counters may be missing or unverified.",
"Bedrooms have windows and at least one exterior door which likely provide egress; exact window sizes for code egress not measured from photos.",
"Ceiling discoloration represents past water intrusion but not necessarily active leaking; further investigation required.",
"No interior structural sagging, active leaks, collapsed ceilings, exposed subfloor, or severe mold were visible in provided photos.",
"Property has no documented rental history in the past 5 years (snapshot provided)."
],
"overall_score": 66.0,
"rubric_version": "ns-p_inspect_v1"
},
{
"summary": "This 1940 vintage 4-bed / 2-bath single family shows mostly intact structure and systems visible in photos and is moderately close to Section 8 rent-ready. Key positives: functioning-looking kitchen with gas range, intact exterior and roof appearance, presence of HVAC (mini-split and vents), and functional doors/handrails. Primary concerns that will likely need remediation before passing an initial NSPIRE inspection are: absence/visibility of smoke and CO alarms, ceiling stains from water intrusion requiring repair and verification (and possible mold remediation), and security bars on at least one bedroom window that may block required egress unless quick-release hardware is installed. Carpeted bedrooms are heavily soiled and will likely need replacement or deep cleaning for sanitation. With targeted corrective work (install detectors, address egress bars/release hardware, repair leak source and stained ceilings, replace/clean carpets, verify GFCI and panel), the property is likely to pass within 30–60 days. Estimated readiness timeframe: minor-to-moderate repairs needed; likely rent-ready within ~30 days if repairs prioritized.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 68.0,
"rationale": "Interior finishes are generally intact with recent paint and new-looking plank tile in main living/kitchen. Kitchen cabinets and stainless gas range are present and appear serviceable. Primary visible deferred items are heavily soiled/stained carpeting in bedrooms (likely needs replacement or deep cleaning), scuffed trim, worn threshold/doors, and cracked front concrete walkway. Ceiling discoloration/stains visible in at least one bedroom indicates past water intrusion that should be investigated and repaired. Missing or aged fixtures (curtains, some outlet covers appear present) are mostly cosmetic. Overall mostly cosmetic and moderate repair items rather than major structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "Several safety uncertainties and a couple of definite concerns from photos: no smoke detectors or CO alarms are visible in the photographed rooms (likely required). A small bedroom window shows security bars which may restrict emergency egress unless they have quick-release hardware — this is a potential inspection fail. Ceilings show staining (possible water intrusion/mold risk) requiring evaluation. Entry door shows a deadbolt; handrails exist on front steps and a ramp is present at right. No exposed wiring or obvious electrical hazards visible in photos, but GFCI protection near kitchen sink is not clearly visible. Plumbing fixtures (kitchen double sink) appear present. Because smoke/CO, egress bars, and ceiling stains are likely NSPIRE issues, safety risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Evidence of mechanical systems: a ducted vent in ceilings and a wall-mounted mini-split head visible in the living area indicate heating/cooling presence. Gas range and range hood are installed. Roof appears to be standing-seam metal and visually intact from front elevation photos. Water heater and electrical panel are not shown. Ceiling stains indicate at least past water intrusion that could affect roof, plumbing or attic systems. Systems appear present but not fully verifiable from photos; functional testing and panel/utility inspection recommended."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Front elevation shows a continuous roofline, intact siding, metal roof and functioning porch with steps and ramp. Front handrails exist. Concrete front apron/walkway has cracking and some settlement but is serviceable. Vegetation is near foundation and should be trimmed to reduce moisture risk. No obvious standing water, major foundation displacement or collapsed elements visible from provided exterior photo. Overall exterior appears in fair to good condition with minor site repairs recommended."
}
],
"red_flags": [
"Ceiling staining/water intrusion visible in at least one bedroom — possible active or recent leak and potential mold risk.",
"Security bars on a bedroom window that may block emergency egress (must have quick-release to pass).",
"No visible smoke detectors or CO alarms in photographed rooms (NSPIRE requires working detectors in specified locations).",
"Heavily soiled/stained bedroom carpeting — sanitation/pest/mold concern; likely requires replacement or professional cleaning."
],
"confidence": 0.6,
"assumptions": [
"Interior photos are representative of entire unit (other rooms/bathrooms not pictured have similar condition).",
"Gas range shown is functional; refrigerator presence is not clearly visible — assume either present or easily provided (missing fridge alone is not treated as safety failure).",
"Mini-split and duct vents indicate heating/cooling systems exist and are operational, but full functionality has not been verified; assume operable until testing.",
"Ceiling staining is from a past or intermittent leak; no active collapse visible. Further investigation will be required to determine if leak is active or repaired.",
"No visible smoke/CO alarms in photos is interpreted as likely absent or not in correct locations — detectors may exist elsewhere but should be verified/installed per NSPIRE.",
"Electrical panel, water heater, and bathrooms were not shown; assume normal placement but require inspection during official check.",
"Window security bars do not appear to have quick-release mechanisms visible in photos; assume non-compliant until proven otherwise."
],
"overall_score": 64.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "523 Romain St, Gretna, LA, 70053",
"aggregate": {
"summary": "Overall the property appears to be a livable 1940s vintage home with mostly cosmetic and moderate maintenance items. Appliances are present, HVAC equipment is visible, and the exterior and roof look serviceable. The primary inspection risks are missing/undocumented smoke and CO detectors, ceiling stains indicating past or possible active leaks that require investigation and repair, and stained carpeting/finish work. With 1-3 weeks of targeted repairs (address detectors, investigate and repair leaks, replace or professionally clean carpets, confirm GFCI and electrical panel condition, touch-up paint/trim), it is likely to pass an initial HCV/NSPIRE inspection. If the ceiling stains reflect active roof or plumbing failure, the timeline and cost could increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 69.3,
"rationale": "Interior appears largely intact with recent cosmetic updates (paint, new-looking tile floors in common areas). Visible deferred items: stained/soiled carpeting in multiple bedrooms, scuffed baseboards and trim, ceiling texture irregularities and stains in at least one bedroom/ceiling area, some minor concrete cracking at front walk/porch. Major appliances (gas range, likely refrigerator) are present. Overall mostly cosmetic and moderate-repair items; replacement/cleaning of carpets, spot drywall/ceiling repair and paint, and some trim work should make the unit turnkey."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site & access",
"score": 73.3,
"rationale": "Front elevation shows intact siding, painted trim, and a metal roof that appears serviceable. Front steps have a metal handrail; a wooden ADA-style ramp/driveway guard exists on one side. Concrete at front walk/porch shows cracking and slight settlement creating minor trip hazards. Yard and fence appear maintained. No visible standing water, major foundation cracks, or collapsed elements in the photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 56.7,
"rationale": "Several safety compliance unknowns and a few concerns visible: no smoke detectors or carbon monoxide alarms are visible in the photos; GFCI presence in the kitchen is not evident; ceiling stains indicate prior or potential active water intrusion which is a safety/health concern until confirmed; exterior and interior doors appear to have secure locks but deadbolt presence is unclear in all entries. No exposed wiring or obvious missing guardrails seen in photos. Bedroom egress appears available via exterior doors and windows but full egress compliance cannot be confirmed from photos alone."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 63.3,
"rationale": "HVAC evidence: a ducted vent and a wall-mounted mini-split unit are visible, suggesting functional cooling/heating options. Kitchen has a connected gas range and double sink indicating plumbing available; water heater and electrical panel are not shown. Roof visible in front appears to be metal and in decent visual condition. Ceiling stains indicate past or ongoing water intrusion that could affect systems and should be investigated. No obvious signs of electrical hazard, but panel and water heater status need verification."
}
],
"red_flags": [
"Ceiling stains / water intrusion visible in at least one bedroom area — possible active leak",
"No visible smoke detectors or carbon monoxide alarms in photographed areas",
"Stained carpeting and flooring in bedrooms — potential sanitation or hidden mold risk",
"No obvious GFCI outlet visible in kitchen photos (kitchen electrical safety not confirmed)"
],
"confidence": 0.95,
"assumptions": [
"Photos represent typical condition throughout the unit; no hidden major structural damage not shown in images.",
"Kitchen appliance on left (tall white appliance) is a refrigerator/pantry — assumed present and operational.",
"HVAC is operational because supply vents and a wall-mounted mini-split are visible; full functionality not verified.",
"Water heater and electrical panel are present but not photographed; assumed serviceable until inspection.",
"No active pests or heavy mold present beyond staining visible in photos; stains are assumed to be from prior leaks but require inspection.",
"Bedrooms have adequate egress via pictured windows/doors; exact dimensions and required egress sizes not measured from photos."
],
"score_method": "mean_of_criteria",
"overall_score": 65.3,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8732016827"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.