Property ID: 8770762402
1672 SW Tuscaloosa Ave, Birmingham, AL, 35211
Birmingham, AL
Money Down: $31,200
CoC Return: 6.51%
Monthly Cash Flow: $169
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,000
Closing Costs
$5,200
Total Down
$31,200
Investment Snapshot
Purchase Price
$130,000
Money Down
$31,200
Cash-on-Cash Return
6.51%
Rent
$1,145
Monthly Cash Flow
$169
Annual Cash Flow
$2,032
Debt Service / Mo
$692
Property Tax / Mo
$106
Insurance / Mo
$64
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,145
Payment Standard
$1,584
Rent
$1,145
Insurance
$64
Property Tax
$106
Management
$114
Utilities Allowance
$439
NOI (Monthly)
$861
Debt Service
$692
Cash Flow After Debt
$169
Quality Score: 65.30%
Confidence: 92.00%
This 3BR/1BA bungalow appears generally well-maintained cosmetically and could be Section 8 ready after a short checklist of safety confirmations and minor repairs. The main inspection risks are unconfirmed smoke/CO/GFCI coverage, window security bars that may block emergency egress, and lack of photographic confirmation of the exterior HVAC/heating equipment and water heater. Expect likely pass after addressing egress/bar release mechanisms (or removing bars), confirming/adding smoke and CO detectors and GFCI outlets as required, and repairing any localized roof/shingle issues. Time-to-rent: likely within 1–4 weeks if unresolved items (detectors, outlet/GFCI, appliance installation, small roof repairs) are completed promptly.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$439
Guaranteed Section 8 Rent (PS - Utilities)
$1,145
Property Management
$114
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$130,000
Beds
3
Baths
1
Living Area
1,484 sqft
Lot Size
6,970 sqft
Year Built
1910
Days on Market
157
Capital Outlay
$31,200
Debt Service
$692
Property Tax / Mo
$106
Insurance / Mo
$64
Property Description
NO SELLER FINANCING!! This charming one-level home features 3 spacious bedrooms, 1 updated bathroom, and an updated kitchen with modern finishes. Inside, you'll find beautiful hardwood and tile flooring throughout, veryyy tall ceilings that add a bright and open feel, and washer/dryer connections for convenience. Outside, enjoy a large front porch, a screened back porch perfect for relaxing, and driveway parking. Located within walking distance to Piggly Wiggly and other nearby amenities, this home blends classic character with modern updates in an ideal location.
Utility Allowances
Heating
$38
Property has central heat, and other gas appliances (water heater, fireplace) make natural gas the most likely fuel. Spire is the primary natural gas provider in Birmingham.
Cooling
$22
Property has 'Central Air' conditioning, which is electric. Alabama Power is the primary electric provider in Birmingham.
Cooking
$21
Property includes an electric stove. Alabama Power is the primary electric provider in Birmingham.
Water Heating
$35
Property includes a 'Gas Water Heater'. Spire is the primary natural gas provider in Birmingham.
Other Electric
$68
This covers general electricity for lights and outlets. Alabama Power is the primary electric provider in Birmingham.
Water
$78
Property uses 'Public Water' and is located within the city of Birmingham.
Sewer
$151
Property has 'Sewer Connected' according to the listing.
Trash Collection
$20
Trash collection is a standard utility. 'Jefferson City' is selected as the most appropriate default for a property in Birmingham from the available schedule options.
Refrigerator
$0
The property includes a refrigerator, so no allowance is needed for a tenant-owned one.
Range/Microwave
$6
The property does not state a microwave is provided, so this allowance is for a tenant-owned microwave.
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$684
DP3 Annual Estimate$842
DP1 Monthly Equivalent$57
DP3 Monthly Equivalent$70
Replacement Value$81,000
Basis1,484 sqft / 1910
Nearby Houses
Photo unavailable
1669 Lee Ave SW Lot 6
sold · 0.03 mi
Price: $5,000
— bd / — ba
Latest sale: $5,000
Latest rent: —
Photo unavailable
1653 Lee Ave SW
sold · 0.04 mi
Price: $4,500
3 bd / 1 ba
Latest sale: $4,500 on Jul 08, 2016
Latest rent: —
Photo unavailable
1673 Lee Ave SW
sold · 0.04 mi
Price: $115,000
4 bd / 4 ba · 977 sqft
Latest sale: $115,000 on Jan 26, 2024
Latest rent: —
Photo unavailable
1649 Cleveland Ave SW
sold · 0.05 mi
Price: $34,000
3 bd / 1 ba · 1,352 sqft
Latest sale: $34,000 on Aug 02, 2024
Latest rent: —
Photo unavailable
1651 Waco Ave SW
sold · 0.06 mi
Price: $65,000
4 bd / 1 ba · 1,153 sqft
Latest sale: $65,000 on Jun 05, 2025
Latest rent: $1,200 on Jan 03, 2025
Photo unavailable
1668 Lee Ave SW
sold · 0.07 mi
Price: $36,000
3 bd / 1 ba · 1,562 sqft
Latest sale: $36,000
Latest rent: —
Photo unavailable
536 16th Way SW
sold · 0.10 mi
Price: $33,000
2 bd / 1 ba · 1,180 sqft
Latest sale: $33,000 on Oct 09, 2024
Latest rent: $1,100 on Jul 09, 2025
Photo unavailable
540 Francis St SW
for_sale · 0.12 mi
Price: $82,500
3 bd / 2 ba · 1,225 sqft
Latest sale: $82,500 on Dec 15, 2020
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Window security bars on ground-floor windows (potentially block emergency egress if not quick-release).
- No visible exterior HVAC/heating equipment in photos (heating system presence and operation not confirmed).
- Localized roof/shingle wear at right gable area visible from photos — requires evaluation/repair.
Assumptions
- Central HVAC is present and functional (inferred from floor registers), although no exterior condenser or furnace is visible in photos.
- Hot water system exists and functions, but not visible in provided images.
- There is at least one working smoke detector (one ceiling device visible) but full required coverage in all sleeping areas is not confirmed.
- Carbon monoxide alarms and GFCI protection are not shown in photos and should be installed if missing.
- Window security bars may be fixed or may have quick-release; their release mechanism is unknown and treated as a potential egress hazard.
- Kitchen stove/oven is not visible in photos and may be missing or removed; refrigerator is present.
- No active interior water intrusion, major mold, or structural sagging is evident in provided images; limited photos mean hidden issues cannot be ruled out.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,231 | $84,900 | $16,980 |
| 2023 | $1,231 | $84,900 | $16,980 |
| 2022 | $1,058 | $73,000 | $14,600 |
| 2021 | $906 | $62,500 | $12,500 |
| 2020 | $941 | $64,900 | $12,980 |
| 2019 | $941 | $64,900 | $12,980 |
| 2018 | $784 | $54,100 | $10,820 |
| 2017 | $798 | $55,100 | $11,020 |
| 2016 | $784 | $54,100 | $10,820 |
| 2015 | $830 | $57,300 | $11,460 |
| 2013 | $798 | $53,900 | $10,780 |
| 2012 | $798 | $56,350 | $11,270 |
| 2011 | $894 | $63,300 | $12,660 |
| 2010 | $894 | $63,300 | $12,660 |
| 2009 | $366 | $62,400 | $6,240 |
| 2008 | $376 | $63,800 | $6,380 |
| 2007 | $353 | $60,500 | $6,050 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-11-01 | Sold | $32,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-09-13 | Listed for rent | $1,200 | — |
Photo Gallery
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"list_price": 1200,
"listing_id": "2986349321",
"last_update_date": "2025-12-03T20:23:46Z",
"last_status_change_date": "2025-12-03T21:20:32Z"
},
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21431142",
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},
{
"date": "2025-09-12",
"price": 130000,
"listing": {
"status": "for_sale",
"list_date": "2025-09-12T20:57:54Z",
"list_price": 130000,
"listing_id": "2986338356",
"last_update_date": "2026-02-16T01:29:34Z",
"last_status_change_date": "2025-09-12T20:57:54Z"
},
"event_name": "Listed",
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21431111",
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{
"date": "2023-03-21",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2023-01-18T08:09:34Z",
"list_price": 1200,
"listing_id": "2951532672",
"last_update_date": "2023-03-18T07:55:04Z",
"last_status_change_date": "2023-03-21T19:03:12Z"
},
"event_name": "Listing removed",
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"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "52086202",
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},
{
"date": "2023-03-18",
"price": 1200,
"listing": {
"status": "off_market",
"list_date": "2023-01-18T08:09:34Z",
"list_price": 1200,
"listing_id": "2951532672",
"last_update_date": "2023-03-18T07:55:04Z",
"last_status_change_date": "2023-03-21T19:03:12Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8086253369272237,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "52086202",
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},
{
"date": "2023-03-14",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2023-01-18T08:09:34Z",
"list_price": 1200,
"listing_id": "2951532672",
"last_update_date": "2023-03-18T07:55:04Z",
"last_status_change_date": "2023-03-21T19:03:12Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "52086202",
"price_change_percentage": null
},
{
"date": "2023-03-09",
"price": 1200,
"listing": {
"status": "off_market",
"list_date": "2023-01-18T08:09:34Z",
"list_price": 1200,
"listing_id": "2951532672",
"last_update_date": "2023-03-18T07:55:04Z",
"last_status_change_date": "2023-03-21T19:03:12Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8086253369272237,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "52086202",
"price_change_percentage": null
},
{
"date": "2023-01-21",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2023-01-18T08:09:34Z",
"list_price": 1200,
"listing_id": "2951532672",
"last_update_date": "2023-03-18T07:55:04Z",
"last_status_change_date": "2023-03-21T19:03:12Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "52086202",
"price_change_percentage": null
},
{
"date": "2023-01-20",
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"listing": {
"status": "off_market",
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"list_price": 1200,
"listing_id": "2951532672",
"last_update_date": "2023-03-18T07:55:04Z",
"last_status_change_date": "2023-03-21T19:03:12Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "52086202",
"price_change_percentage": null
},
{
"date": "2023-01-18",
"price": 1200,
"listing": {
"status": "off_market",
"list_date": "2023-01-18T08:09:34Z",
"list_price": 1200,
"listing_id": "2951532672",
"last_update_date": "2023-03-18T07:55:04Z",
"last_status_change_date": "2023-03-21T19:03:12Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8086253369272237,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "52086202",
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},
{
"date": "2022-10-03",
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"listing": {
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"last_status_change_date": "2022-10-03T14:54:18Z"
},
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "23 days",
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},
{
"date": "2022-09-10",
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"listing": {
"status": "off_market",
"list_date": "2022-09-10T20:55:31Z",
"list_price": 45000,
"listing_id": "2947651758",
"last_update_date": "2022-10-02T18:55:30Z",
"last_status_change_date": "2022-10-03T14:54:18Z"
},
"event_name": "Listed",
"price_sqft": 30.32345013477089,
"source_name": "GreaterAlabamaMLS",
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"days_after_listed": null,
"source_listing_id": "1333480",
"price_change_percentage": "+28.94%"
},
{
"date": "1994-10-27",
"price": 34900,
"listing": null,
"event_name": "Sold",
"price_sqft": 23.51752021563342,
"source_name": "Public Record",
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"days_after_listed": null,
"source_listing_id": null,
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}
],
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}
},
"rmn_listing_attribution": false
},
"property_id": "8770762402",
"generated_at": "2026-02-16T02:45:48.967399Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.3
},
"utility_allowance": {
"zip_code": "35211",
"home_photo": "https://ap.rdcpix.com/ec862c29fdcbb775f2db974e6b7d1826l-m819208470s-w1280.jpg",
"rent_price": 1145.0,
"loan_amount": 104000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1672-Tuscaloosa-Ave-SW_Birmingham_AL_35211_M87707-62402",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 130000.0,
"loan_term_years": 30,
"annual_cash_flow": 10335.07,
"mortgage_monthly": 691.91,
"payment_standard": 1584.0,
"total_amount_out": 26000.0,
"additional_photos": [
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"https://ap.rdcpix.com/ec862c29fdcbb775f2db974e6b7d1826l-m3765920380s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 63.58,
"monthly_cash_flow": 861.26,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heat, and other gas appliances (water heater, fireplace) make natural gas the most likely fuel. Spire is the primary natural gas provider in Birmingham.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property has 'Central Air' conditioning, which is electric. Alabama Power is the primary electric provider in Birmingham.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property includes an electric stove. Alabama Power is the primary electric provider in Birmingham.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property includes a 'Gas Water Heater'. Spire is the primary natural gas provider in Birmingham.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "This covers general electricity for lights and outlets. Alabama Power is the primary electric provider in Birmingham.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property uses 'Public Water' and is located within the city of Birmingham.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property has 'Sewer Connected' according to the listing.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash collection is a standard utility. 'Jefferson City' is selected as the most appropriate default for a property in Birmingham from the available schedule options.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property includes a refrigerator, so no allowance is needed for a tenant-owned one.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property does not state a microwave is provided, so this allowance is for a tenant-owned microwave.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.4,
"down_payment_amount": 26000.0,
"property_tax_annual": 1267.93,
"property_tax_monthly": 105.66,
"property_tax_increase": 0.03,
"utility_allowance_total": 439.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2032.09,
"property_management_monthly": 114.5,
"monthly_cash_flow_after_debt": 169.34,
"cash_on_cash_return_after_debt": 0.08
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/1BA bungalow appears generally well-maintained cosmetically and could be Section 8 ready after a short checklist of safety confirmations and minor repairs. The main inspection risks are unconfirmed smoke/CO/GFCI coverage, window security bars that may block emergency egress, and lack of photographic confirmation of the exterior HVAC/heating equipment and water heater. Expect likely pass after addressing egress/bar release mechanisms (or removing bars), confirming/adding smoke and CO detectors and GFCI outlets as required, and repairing any localized roof/shingle issues. Time-to-rent: likely within 1–4 weeks if unresolved items (detectors, outlet/GFCI, appliance installation, small roof repairs) are completed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show generally sound cosmetic condition: intact hardwood floors (some surface wear/scratches), painted brick fireplace, updated-looking kitchen and bath per listing, tiled porch, and functioning interior fixtures. Minor deferred maintenance visible: scuffed flooring, small paint touch-ups, cracked/patchy driveway, some trim wear. No major interior structural distress observed. A cooktop/oven isn’t visible in photos (fridge present) — missing appliance would be a moderate fix but not a safety failure."
},
{
"key": "safety_code",
"label": "Safety & code compliance",
"score": 60.0,
"rationale": "No exposed wiring or obvious electrical hazards visible and floor registers indicate ducted heating/cooling. At least one ceiling-mounted smoke-detection-looking device is visible, but coverage for all sleeping areas is not confirmed. Window security bars are present on multiple front windows — if fixed/without quick-release they create a life-safety egress risk and could cause an automatic fail. GFCI and CO detector presence are not shown. Entry has a security door; front porch steps lack a handrail (3 steps) but may not trigger code depending on local threshold. Because of the uncertain smoke/CO/GFCI coverage and potential fixed window bars, there's moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC/plumbing/electrical/roof)",
"score": 60.0,
"rationale": "Floor registers indicate a central HVAC/forced-air distribution but no exterior condenser or furnace is shown in the photos to directly confirm operational heating/cooling equipment. Kitchen shows newer cabinets, tile floor and a refrigerator; plumbing fixtures and hot water are not visible for confirmation. Roof photos show generally intact shingles but a darker/irregular area near the right-side gable suggests localized wear or missing flashing/shingles that should be evaluated — not an obvious catastrophic failure in photos but a maintenance/repair item. Electrical panel not shown; visible outlets have covers. Systems likely functional but several critical confirmations are missing."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 70.0,
"rationale": "Front elevation, porch and brickwork appear structurally sound; tiled covered porch and painted brick knee wall are intact. Driveway and walkway have cracking/patches and modest yard overgrowth at sides. Vegetation near the right side of the house is encroaching and should be cleared. No visible standing water, major foundation cracks, or collapsed elements in provided photos. Overall minor-to-moderate exterior maintenance needed."
},
{
"key": "rental_history_activity",
"label": "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": [
"Window security bars on ground-floor windows (potentially block emergency egress if not quick-release).",
"No visible exterior HVAC/heating equipment in photos (heating system presence and operation not confirmed).",
"Localized roof/shingle wear at right gable area visible from photos — requires evaluation/repair."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and functional (inferred from floor registers), although no exterior condenser or furnace is visible in photos.",
"Hot water system exists and functions, but not visible in provided images.",
"There is at least one working smoke detector (one ceiling device visible) but full required coverage in all sleeping areas is not confirmed.",
"Carbon monoxide alarms and GFCI protection are not shown in photos and should be installed if missing.",
"Window security bars may be fixed or may have quick-release; their release mechanism is unknown and treated as a potential egress hazard.",
"Kitchen stove/oven is not visible in photos and may be missing or removed; refrigerator is present.",
"No active interior water intrusion, major mold, or structural sagging is evident in provided images; limited photos mean hidden issues cannot be ruled out."
],
"overall_score": 67.0,
"rubric_version": "2026-02-HUD-NSPIRE-v1"
},
{
"summary": "This single-level 3BR/1BA bungalow presents as mostly renovated cosmetically with intact floors, a functional-looking kitchen (fridge present), covered porch and central HVAC registers. Photo-evident issues are moderate and repairable: missing/absent stove (not shown), surface floor/paint wear, cracked driveway, and localized roof shingle damage at the right gable. The main inspection risks are unsecured/unknown egress from window security bars, unconfirmed smoke/CO/GFCI protection, and unverified major systems (HVAC condensing unit, water heater, electrical panel). Overall the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection with 1–4 targeted fixes and verification (egress hardware, detectors, small roof repair, appliance provision) and would be rent-ready in roughly 2–6 weeks depending on confirmation and minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently painted with intact hardwood and tile floors but shows surface wear, scuffs and small finish damage in living areas. Kitchen has cabinetry and a refrigerator present but no visible stove/range in photos (missing stove reduces readiness moderately). Porch and entry tile look in good shape. Exterior paint on brick/siding is in fair condition but driveway concrete is cracked and there is minor front-step deterioration. Overall visible issues are cosmetic and moderate trade/fixture work (floor refinishing, small masonry/driveway patch, possible appliance installation), not major structural repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious exposed wiring or collapsed/failed structure in photos. Floor vents indicate central HVAC ducting present. However: several front windows have security bars that could impede emergency egress unless they are quick-release (unable to confirm), no clearly visible GFCI in the kitchen (outlet shown is a standard outlet), smoke/CO detector presence is not clearly documented (one small round device visible in one room but location/operation unknown). The front security door and window bars may be acceptable if egress hardware meets code but will need verification. Small ceiling discoloration in kitchen tile ceiling suggests past or minor water intrusion that should be investigated. These uncertainties create inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Evidence of central HVAC registers (floor vents) suggests a forced-air system is present but equipment condition and age are not shown. Electrical panel and water heater are not visible in photos. Roof shows localized shingle damage / torn area at the right front gable which could allow future leaks if not repaired. Plumbing fixtures (bath and kitchen) appear present; tile bath and sink visible. Overall systems appear present but key components (heater, AC condensing unit, electrical panel, water heater) need on-site verification — risk moderate but not immediate failure from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior brick/siding and front porch are generally intact and the large covered porch is a positive. Yard is patchy and maintenance is needed (overgrown vegetation along side yard). Driveway is cracked and uneven; walkway has patched concrete. Downspouts/gutters appear present. No standing water, major foundation cracks or visible settlement are evident in the provided exterior images. Vegetation near the right side could conceal issues and should be cleared for inspection access."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5yr)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Security bars on front windows could block emergency egress unless they have quick-release (potential NSPIRE fail).",
"Visible roof shingle/edge damage at right front gable — potential leak source requiring repair.",
"No visible stove/range in kitchen photos (appliance omission will need correction prior to tenancy).",
"Kitchen ceiling tile discoloration — possible past or hidden water intrusion that needs verification."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (inferred from floor registers shown).",
"Refrigerator visible in photos is included but a stove/oven is not present (no stove visible) and would need to be installed by owner/landlord.",
"Window security bars may be fixed or quick-release; assessment treats them as a potential egress issue until proven quick-release.",
"Smoke and CO detectors exist but their locations and operability are not fully visible in photos; at least one ceiling device seen but not confirmed functional.",
"Electrical panel, water heater and exterior HVAC equipment were not photographed; their condition is unknown and assumed serviceable unless inspection shows otherwise.",
"Minor kitchen ceiling tile discoloration is assumed to be from past small leak; no active water intrusion visible in photos."
],
"overall_score": 66.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026"
},
{
"summary": "Overall the property appears mostly move-in ready with updated kitchen/bath and generally solid interior finishes, but there are moderate NSPIRE inspection risks: localized roof/shingle damage with ceiling stains (potential leak), window security bars that may impede bedroom egress, and incomplete visibility of mechanical and electrical equipment (CO detector and GFCI presence unknown). Expect a likely pass after 1–3 targeted repairs (roof/ceiling repair, verify/modify egress bars, confirm/install CO/GFCI devices, install/confirm stove or provide as required).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior photos show generally sound finishes: hardwood floors throughout with surface wear and some scuffs, painted brick fireplace and built-ins in good shape, tiled kitchen floor and updated cabinets. Missing visible stove (only a refrigerator shown) and some cosmetic ceiling irregularities/stains reduce score. Exterior paint and porch tile are in fair-good condition. Overall mostly cosmetic and moderate repair items rather than catastrophic defects."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "A ceiling-mounted smoke detector-like device is visible in the living area (positive). Entry door shows a security metal door and appears to have a deadbolt (good). No exposed wiring observed. Concerns: decorative security bars on front windows could impede emergency egress (potential fail depending on release mechanism), ceiling stains indicate prior or ongoing water intrusion (possible active leak hazard), GFCI protection in kitchen/bath not visible, CO detector not visible. Front porch steps lack a handrail (three risers; may or may not require rail depending on local code). These mixed items produce moderate risk for an initial HCV/NSPIRE inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 55.0,
"rationale": "Floor registers are visible, indicating a forced-air heating/AC distribution system likely present but mechanical equipment (furnace/A/C unit, water heater, electrical panel) is not shown. Roof photos show localized shingle damage/edges uplifted at the right gable which is a risk for leaks and may indicate needed roof repair. Ceiling tile in the kitchen and ceiling stains in living spaces suggest prior water intrusion. Electrical panel condition unknown. Plumbing fixtures appear present in photos (kitchen sink, bathroom referenced as updated). Because critical equipment locations and conditions are not documented, and roof damage with ceiling staining is visible, systems score is moderate with some risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "The brick porch and front steps, painted brick foundation/stoop and siding appear intact. Front yard and driveway show cracking and surface deterioration; driveway has patched/eroded areas. Vegetation along the side is somewhat overgrown. No visible standing water or obvious foundation displacement in photos. Overall exterior is serviceable but with cosmetic site repairs and some concrete work recommended."
},
{
"key": "rental_history_activity",
"label": "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": [
"Localized roof/shingle damage visible at right-side gable (risk of active leaks).",
"Ceiling stains and ceiling tile discoloration indicating prior or possible active water intrusion.",
"Security/window bars on front windows that may block emergency egress (potential NSPIRE egress failure)."
],
"confidence": 0.7,
"assumptions": [
"Bedrooms and bathroom(s) not fully pictured are assumed functional and consistent with the listing claim of an 'updated bathroom.'",
"Forced-air HVAC is assumed present because floor registers are visible, but equipment condition and age are unknown.",
"A smoke detector is visible in a living area (ceiling/trim-mounted); additional detectors and CO alarms may be required by local/NSPIRE rules and are not shown.",
"Stove/range is not pictured; a stove may be missing and would be required for tenant use but is a moderate, fixable item.",
"Window security bars are assumed to be fixed-mounted on the exterior; their release/egress functionality is unknown and assumed non-compliant until proven otherwise.",
"Roof shows localized damage / lifted shingles at the right gable; assumed to be an active risk for water intrusion based on visible ceiling stains."
],
"overall_score": 63.0,
"rubric_version": "nspr-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1672 SW Tuscaloosa Ave, Birmingham, AL, 35211",
"aggregate": {
"summary": "This 3BR/1BA bungalow appears generally well-maintained cosmetically and could be Section 8 ready after a short checklist of safety confirmations and minor repairs. The main inspection risks are unconfirmed smoke/CO/GFCI coverage, window security bars that may block emergency egress, and lack of photographic confirmation of the exterior HVAC/heating equipment and water heater. Expect likely pass after addressing egress/bar release mechanisms (or removing bars), confirming/adding smoke and CO detectors and GFCI outlets as required, and repairing any localized roof/shingle issues. Time-to-rent: likely within 1–4 weeks if unresolved items (detectors, outlet/GFCI, appliance installation, small roof repairs) are completed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 71.0,
"rationale": "Interior and exterior photos show generally sound cosmetic condition: intact hardwood floors (some surface wear/scratches), painted brick fireplace, updated-looking kitchen and bath per listing, tiled porch, and functioning interior fixtures. Minor deferred maintenance visible: scuffed flooring, small paint touch-ups, cracked/patchy driveway, some trim wear. No major interior structural distress observed. A cooktop/oven isn’t visible in photos (fridge present) — missing appliance would be a moderate fix but not a safety failure."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 70.0,
"rationale": "Front elevation, porch and brickwork appear structurally sound; tiled covered porch and painted brick knee wall are intact. Driveway and walkway have cracking/patches and modest yard overgrowth at sides. Vegetation near the right side of the house is encroaching and should be cleared. No visible standing water, major foundation cracks, or collapsed elements in provided photos. Overall minor-to-moderate exterior maintenance needed."
},
{
"key": "rental_history_activity",
"label": "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 compliance",
"score": 60.0,
"rationale": "No exposed wiring or obvious electrical hazards visible and floor registers indicate ducted heating/cooling. At least one ceiling-mounted smoke-detection-looking device is visible, but coverage for all sleeping areas is not confirmed. Window security bars are present on multiple front windows — if fixed/without quick-release they create a life-safety egress risk and could cause an automatic fail. GFCI and CO detector presence are not shown. Entry has a security door; front porch steps lack a handrail (3 steps) but may not trigger code depending on local threshold. Because of the uncertain smoke/CO/GFCI coverage and potential fixed window bars, there's moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC/plumbing/electrical/roof)",
"score": 60.0,
"rationale": "Floor registers indicate a central HVAC/forced-air distribution but no exterior condenser or furnace is shown in the photos to directly confirm operational heating/cooling equipment. Kitchen shows newer cabinets, tile floor and a refrigerator; plumbing fixtures and hot water are not visible for confirmation. Roof photos show generally intact shingles but a darker/irregular area near the right-side gable suggests localized wear or missing flashing/shingles that should be evaluated — not an obvious catastrophic failure in photos but a maintenance/repair item. Electrical panel not shown; visible outlets have covers. Systems likely functional but several critical confirmations are missing."
}
],
"red_flags": [
"Window security bars on ground-floor windows (potentially block emergency egress if not quick-release).",
"No visible exterior HVAC/heating equipment in photos (heating system presence and operation not confirmed).",
"Localized roof/shingle wear at right gable area visible from photos — requires evaluation/repair."
],
"confidence": 0.92,
"assumptions": [
"Central HVAC is present and functional (inferred from floor registers), although no exterior condenser or furnace is visible in photos.",
"Hot water system exists and functions, but not visible in provided images.",
"There is at least one working smoke detector (one ceiling device visible) but full required coverage in all sleeping areas is not confirmed.",
"Carbon monoxide alarms and GFCI protection are not shown in photos and should be installed if missing.",
"Window security bars may be fixed or may have quick-release; their release mechanism is unknown and treated as a potential egress hazard.",
"Kitchen stove/oven is not visible in photos and may be missing or removed; refrigerator is present.",
"No active interior water intrusion, major mold, or structural sagging is evident in provided images; limited photos mean hidden issues cannot be ruled out."
],
"score_method": "mean_of_criteria",
"overall_score": 65.3,
"rubric_version": "2026-02-HUD-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8770762402"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.