Property ID: 8732307952
635 S Bengal Rd, River Ridge, LA, 70123
River Ridge, LA
Money Down: $52,560
CoC Return: 4.12%
Monthly Cash Flow: $180
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$43,800
Closing Costs
$8,760
Total Down
$52,560
Investment Snapshot
Purchase Price
$219,000
Money Down
$52,560
Cash-on-Cash Return
4.12%
Rent
$1,656
Monthly Cash Flow
$180
Annual Cash Flow
$2,166
Debt Service / Mo
$1,166
Property Tax / Mo
$60
Insurance / Mo
$84
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,656
Payment Standard
$1,983
Rent
$1,656
Insurance
$84
Property Tax
$60
Management
$166
Utilities Allowance
$327
NOI (Monthly)
$1,346
Debt Service
$1,166
Cash Flow After Debt
$180
Quality Score: 83.60%
Confidence: 94.00%
This appears to be a turnkey, recently renovated single‑family home with modern finishes and working appliances visible. Based on photos and listing text the property is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after routine verification items: confirm smoke and CO detectors, GFCI protection in wet areas, test HVAC and hot water, and verify electrical panel condition/labels. Overall inspection risk is low; expected rent‑ready within 1–2 weeks if detectors or minor code items are added/verified.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$327
Guaranteed Section 8 Rent (PS - Utilities)
$1,656
Property Management
$166
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$219,000
Beds
3
Baths
2
Living Area
1,084 sqft
Lot Size
—
Year Built
1956
Days on Market
58
Capital Outlay
$52,560
Debt Service
$1,166
Property Tax / Mo
$60
Insurance / Mo
$84
Property Description
Recently renovated and ready for new owner! Stunning home feels like new with updated flooring & fresh paint throughout, modern fixtures & finishings, tons of natural light, updated bathrooms, updated kitchen with new counters, cabinets, & stainless-steel appliances, a large primary suite, and much more! Large, low maintenance lot with plenty of curb appeal, charming front porch, and a huge rear patio all in a quiet neighborhood with quick access to the Mississippi River Levee & Trail
Utility Allowances
Heating (Electric Heat Pump)
$78
Property has central heating. An electric heat pump is a common and energy-efficient system in this climate. The 'electric_heat_pump' option was selected as the most likely type.
Cooking (Electric)
$17
The property lists a 'Range/Oven' and photos show a modern electric range. The 'electric' cooking option was selected.
Water Heating (Electric)
$51
Water heater type is not specified. An electric water heater is chosen for consistency with the other electric systems (heating and cooking) assumed for the property.
Other Electric
$67
This is a standard allowance for general electricity usage (lights, outlets, etc.) for a single-family home.
Water
$43
The property details explicitly state the water source is 'Public'.
Sewer
$46
The property details explicitly state the sewer service is 'City'.
Trash Collection
$25
Standard curbside trash collection service is assumed for a single-family detached home.
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$1,014
DP3 Annual Estimate$1,014
DP1 Monthly Equivalent$84
DP3 Monthly Equivalent$84
Replacement Value$33,600
Basis1,084 sqft / 1956
Nearby Houses
Photo unavailable
605 Wilker Neal Ave
off_market · 0.05 mi
Price: $185,000
— bd / — ba · 2,340 sqft
Latest sale: —
Latest rent: —
Photo unavailable
615 S Cumberland St Lot 29A
off_market · 0.11 mi
Price: $39,900
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
524 Starrett Rd Apt A
off_market · 0.13 mi
Price: $850
2 bd / 1 ba · 955 sqft
Latest sale: —
Latest rent: $900 on Nov 20, 2025
Photo unavailable
524 Starrett Rd
off_market · 0.13 mi
Price: $850
2 bd / 1 ba · 955 sqft
Latest sale: —
Latest rent: —
Photo unavailable
301 Providence Ln Lot 11
for_sale · 0.17 mi
Price: $42,999
— bd / — ba
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior renovation was completed professionally and includes required smoke detectors and standard electrical updates unless otherwise noted.
- Kitchen appliances shown in photos (refrigerator, stove, dishwasher) are included, installed, and functioning.
- HVAC and water heater are installed and operational though not pictured; vents visible indicate central HVAC present.
- No hidden moisture/mold or major structural/foundation issues exist behind finished surfaces; visible finishes show no water staining or sagging.
- There are no unpermitted major systems modifications that would present safety issues (e.g., unsafe electrical rewiring).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $697 | $54,700 | $5,470 |
| 2024 | $662 | $54,700 | $5,470 |
| 2023 | $528 | $41,800 | $4,180 |
| 2022 | $514 | $41,800 | $4,180 |
| 2021 | $477 | $41,800 | $4,180 |
| 2020 | $474 | $41,800 | $4,180 |
| 2019 | $487 | $41,800 | $4,180 |
| 2018 | $453 | $41,800 | $4,180 |
| 2017 | $453 | $41,800 | $4,180 |
| 2016 | $444 | $41,800 | $4,180 |
| 2015 | $450 | $41,400 | $4,140 |
| 2014 | $444 | $41,400 | $4,140 |
| 2013 | $444 | $41,400 | $4,140 |
| 2012 | $444 | $41,400 | $4,140 |
| 2011 | $421 | $41,600 | $4,160 |
| 2010 | $410 | $41,600 | $4,160 |
| 2009 | $410 | $41,600 | $4,160 |
| 2008 | $405 | — | $4,160 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-02 | Price Changed | $219,000 |
| 2026-02-11 | Listing removed | $0 |
| 2026-02-10 | Listed | $229,000 |
| 2025-11-13 | Price Changed | $229,000 |
| 2025-08-19 | Listing removed | $0 |
| 2025-08-18 | Listed | $235,000 |
| 2025-08-15 | Price Changed | $235,000 |
| 2025-03-31 | Price Changed | $242,000 |
| 2025-03-05 | Listed | $255,000 |
| 2024-04-16 | Sold | $0 |
| 2014-07-16 | Listing removed | $43,900 |
| 2014-06-05 | Price Changed | $43,900 |
| 2014-03-03 | Listed | $47,600 |
Photo Gallery
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"label": "Section 8 / NSPIRE safety & code risk",
"score": 85.0,
"rationale": "No visible life‑threatening hazards in photos: floors appear even, stairs/porch have handrails, windows appear operable and of typical egress size, and no visible mold, peeling paint, or active water stains. Photos do not show smoke or carbon monoxide detectors, electrical panel, or GFCI outlet faceplates explicitly; however renovated homes typically include detectors and updated outlets. If detectors or required GFCI protection are missing they must be installed prior to inspection. No visible exposed wiring or unsafe gas venting observed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 80.0,
"rationale": "Central HVAC registers visible in ceilings indicating conditioned air and a central system likely present. Kitchen appliances (stove, fridge, dishwasher) are present and look new. Roof and exterior appear intact with no visible sagging or water intrusion. Water heater, electrical panel, and mechanical equipment are not shown; assume operational due to full renovation but these items should be verified and tested (hot water, HVAC run, breakers labeled) before lease-up."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Exterior photos show well-maintained siding, a level yard, intact driveway and sidewalk, chain-link front fence and functioning porch railings. Lot grading appears flat with no obvious standing water. Curb appeal is good and the rear patio is described as large. No visible major foundation cracks, roof failure, or infestation evidence in the images."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior renovation was completed professionally and includes required smoke detectors and standard electrical updates unless otherwise noted.",
"Kitchen appliances shown in photos (refrigerator, stove, dishwasher) are included, installed, and functioning.",
"HVAC and water heater are installed and operational though not pictured; vents visible indicate central HVAC present.",
"No hidden moisture/mold or major structural/foundation issues exist behind finished surfaces; visible finishes show no water staining or sagging.",
"There are no unpermitted major systems modifications that would present safety issues (e.g., unsafe electrical rewiring)."
],
"overall_score": 85.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "Property appears turnkey and likely to pass an initial HCV/NSPIRE inspection with minimal work. Recent full interior renovation, visible new appliances, intact finishes, functioning-looking HVAC vents, and sound exterior reduce risk. Remaining items to verify on inspection: presence and placement of smoke/CO detectors, GFCI protection in kitchen/bath, electrical panel condition, water heater age/operation, and confirmation of bedroom window egress. No visible major structural or safety failures in photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Photos and listing show a recent full renovation: new flooring, fresh paint, updated cabinets, countertops and modern stainless appliances. Interior finishes appear intact with no visible cosmetic defects, damaged drywall, or flooring failures. Missing/loose items observed: none. Easy-to-fix items: minor touch-up paint or caulk possible but no evidence required. Overall turnkey condition with only routine move-in prep expected."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 78.0,
"rationale": "No visible exposed wiring, trip hazards, collapsed ceilings, or active water intrusion in photos. Front entry has a secure-looking door and porch handrails present. Bedroom windows appear full-size for egress. However, smoke and carbon monoxide detectors are not visible in photos (assumed present after renovation). GFCI receptacles near sink are not clearly visible; kitchen outlets exist but GFCI status unknown. No signs of peeling lead-risk paint or mold. Because several required items (detectors, GFCI, electrical panel condition, deadbolt presence) are not visible, a moderate deduction is applied for unknowns despite clean visible condition."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 80.0,
"rationale": "Ceiling HVAC vents/registers are visible in multiple photos which indicates central HVAC is present; vents and new finishes suggest recent work. Kitchen appliances (stove, refrigerator, dishwasher) visible and appear new. No water heater, electrical panel, or roof damage shown in photos; roofline visible and looks intact. Because key system components (electrical panel labeling, water heater location/age, verification of HVAC operation, drainage) are not photographed, score reflects likely updated systems from renovation but deducts for unverified operational/testing requirements."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photos show a well-maintained yard, chain-link fenced front yard, concrete driveway, new-looking siding and trim, functioning front steps with handrails, and a large rear yard/patio. No visible foundation cracks, standing water, or major exterior damage. Driveway has a hairline joint but no structural failure. Privacy fence on one side present. Overall exterior appears in good condition with low immediate site work required."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Interior renovation is recent and complete as represented by listing and photos; finishes/appliances are new and in working order.",
"Central HVAC is present and operational (ceiling vents visible) though functionality not tested in photos.",
"Kitchen appliances shown (range, refrigerator, dishwasher) are included and properly installed; range appears electric/induction (reduces CO risk).",
"Smoke detectors and any required CO detectors were likely installed during renovation but are not visible in photos; their presence must be confirmed on inspection.",
"GFCI protection near sinks is not clearly visible; assume some updates were made during renovation but actual GFCI functionality must be verified.",
"No visible signs of active roof leaks, major foundation movement, mold, or water intrusion in provided images; hidden issues cannot be fully ruled out.",
"No rental history in past 5 years (rental_history_last_5y marked missing), so rental_history_activity excluded from scoring."
],
"overall_score": 84.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Property appears largely turnkey and would likely pass an initial HCV/NSPIRE inspection after verification of a handful of code-critical items. Renovation appears comprehensive (new flooring, paint, cabinets, fixtures, appliances) and there are no visible structural or life-safety hazards in the photos. The primary items to confirm before move-in/inspection are presence and placement of smoke detectors and CO alarms (if required), GFCI protection for kitchen/bath outlets, location and condition of the electrical panel and water heater, and confirmation of a working heating/cooling system and hot water. With these verifications (and minor fixes if needed), the home is likely rent-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 88.0,
"rationale": "Photos and listing show a full renovation: new flooring, fresh paint, updated bathrooms and kitchen, new cabinets and counters, and stainless appliances. Interior surfaces look clean with no visible stains, peeling paint, or damaged drywall. Exterior siding and porch appear recently refreshed. There are no obvious cosmetic defects or deferred maintenance items that would prevent immediate renting. Missing information: laundry area, water heater location, and the presence of minor items like outlet covers under appliances; these are assumed to be present or easily corrected. Overall condition appears turn-key."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Compliance Risk",
"score": 78.0,
"rationale": "No visible exposed wiring, trip hazards, major water intrusion, mold, or ceiling/floor collapse in photos. Bedrooms have windows that appear large enough for egress. Entry door is secure-looking; a deadbolt is not clearly visible in photos and should be confirmed. Smoke and carbon monoxide detectors are not visible in the provided images; absence or improper placement would cause an immediate NSPIRE issue. GFCI protection for kitchen and bathroom outlets is not verifiable from photos and should be confirmed (could be breaker-mounted). No visible loose/missing guardrails on shown porches. Given the clean, renovated condition, severe safety hazards are not apparent, but missing/incorrectly located smoke/CO detectors or absence of GFCI could fail inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.0,
"rationale": "Central HVAC registers and ceiling return grills are visible in photos indicating a central HVAC system likely present. Kitchen appliances are new (electric range, refrigerator, dishwasher) and likely on dedicated circuits. Roof appears intact with no visible sagging or evidence of recent leaks. Bathrooms and kitchen fixtures look new which implies functioning plumbing; no standing water is visible. Electrical panel and water heater are not shown; their condition, proper labeling, and presence of functioning hot water cannot be verified and should be confirmed. Overall mechanical/system risk is moderate with on-site verification recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photos show a fenced front yard, paved driveway, concrete walkway, and a well-kept lawn. Siding and trim appear recently painted or replaced. Porch has guardrails and steps that look secure. No visible foundation cracks, major grading/drainage issues, or standing water around the foundation in provided photos. The lot looks low-maintenance and safe; neighboring structures are close but typical for the area. Power lines and a utility structure are visible in the background but do not indicate immediate code failure."
}
],
"red_flags": [
"Smoke detectors and carbon monoxide detectors are not visible in photos — absence or incorrect placement would cause an NSPIRE fail.",
"GFCI protection for kitchen and bathroom outlets is not verifiable from photos; lack of GFCI could be a code/inspection issue.",
"Electrical panel and water heater not shown — unverified condition and labeling could uncover issues during inspection."
],
"confidence": 0.7,
"assumptions": [
"Interior renovation photos reflect current, completed condition throughout the unit (no hidden unfinished areas).",
"Central HVAC is present and operational (supply/return vents visible).",
"Kitchen appliances are new and in working order (photos show new range, fridge, dishwasher).",
"No active roof leaks or hidden water damage exist beyond what is visible in photos.",
"Windows shown in bedrooms meet egress size requirements (appear standard/adequate in photos).",
"Electrical panel and water heater are present on-site but simply not pictured; condition unknown and should be verified.",
"Outlet covers, basic hardware and a deadbolt on the entry door are present or can be installed quickly if missing.",
"No concealed hazardous conditions (severe mold, termite damage, major foundation movement) exist beyond the visible exterior and interior images."
],
"overall_score": 82.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "635 S Bengal Rd, River Ridge, LA, 70123",
"aggregate": {
"summary": "This appears to be a turnkey, recently renovated single‑family home with modern finishes and working appliances visible. Based on photos and listing text the property is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after routine verification items: confirm smoke and CO detectors, GFCI protection in wet areas, test HVAC and hot water, and verify electrical panel condition/labels. Overall inspection risk is low; expected rent‑ready within 1–2 weeks if detectors or minor code items are added/verified.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 89.3,
"rationale": "Photos and listing show a full recent renovation: new flooring, fresh paint, updated cabinets, countertops, and stainless appliances. Interior finishes appear intact with no visible cosmetic defects, broken fixtures, or damaged drywall. Minor items that typically remain after flips (touch-up paint, threshold trims) may be needed but these are cosmetic/capital-only and would not prevent tenancy."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Exterior photos show well-maintained siding, a level yard, intact driveway and sidewalk, chain-link front fence and functioning porch railings. Lot grading appears flat with no obvious standing water. Curb appeal is good and the rear patio is described as large. No visible major foundation cracks, roof failure, or infestation evidence in the images."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 80.3,
"rationale": "No visible life‑threatening hazards in photos: floors appear even, stairs/porch have handrails, windows appear operable and of typical egress size, and no visible mold, peeling paint, or active water stains. Photos do not show smoke or carbon monoxide detectors, electrical panel, or GFCI outlet faceplates explicitly; however renovated homes typically include detectors and updated outlets. If detectors or required GFCI protection are missing they must be installed prior to inspection. No visible exposed wiring or unsafe gas venting observed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 78.3,
"rationale": "Central HVAC registers visible in ceilings indicating conditioned air and a central system likely present. Kitchen appliances (stove, fridge, dishwasher) are present and look new. Roof and exterior appear intact with no visible sagging or water intrusion. Water heater, electrical panel, and mechanical equipment are not shown; assume operational due to full renovation but these items should be verified and tested (hot water, HVAC run, breakers labeled) before lease-up."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Interior renovation was completed professionally and includes required smoke detectors and standard electrical updates unless otherwise noted.",
"Kitchen appliances shown in photos (refrigerator, stove, dishwasher) are included, installed, and functioning.",
"HVAC and water heater are installed and operational though not pictured; vents visible indicate central HVAC present.",
"No hidden moisture/mold or major structural/foundation issues exist behind finished surfaces; visible finishes show no water staining or sagging.",
"There are no unpermitted major systems modifications that would present safety issues (e.g., unsafe electrical rewiring)."
],
"score_method": "mean_of_criteria",
"overall_score": 83.6,
"rubric_version": "ns_prep_v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8732307952"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.