Property ID: 8771313167
704 61st St, Fairfield, AL, 35064
Fairfield, AL
Money Down: $27,576
CoC Return: 8.55%
Monthly Cash Flow: $196
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,980
Closing Costs
$4,596
Total Down
$27,576
Investment Snapshot
Purchase Price
$114,900
Money Down
$27,576
Cash-on-Cash Return
8.55%
Rent
$1,049
Monthly Cash Flow
$196
Annual Cash Flow
$2,357
Debt Service / Mo
$612
Property Tax / Mo
$82
Insurance / Mo
$54
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,049
Payment Standard
$1,584
Rent
$1,049
Insurance
$54
Property Tax
$82
Management
$105
Utilities Allowance
$535
NOI (Monthly)
$808
Debt Service
$612
Cash Flow After Debt
$196
Quality Score: 82.90%
Confidence: 92.00%
This is a mostly turnkey, recently renovated 3BR/1BA bungalow that visually meets many NSPIRE readiness expectations. Interiors and exterior appear well-maintained with appliances shown and a fenced yard with storage. Key NSPIRE uncertainties remain because mechanicals (HVAC operational confirmation, water heater, electrical panel) and the bathroom details are not photographed. Based on visible condition the property is likely to pass an initial HCV/NSPIRE inspection after a brief walkthrough and minor site fixes (secure downspout, verify GFCI and CO/smoke placement if required).
Section 8 Payment Standard
$1,584
Utility Allowance Total
$535
Guaranteed Section 8 Rent (PS - Utilities)
$1,049
Property Management
$105
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$114,900
Beds
3
Baths
1
Living Area
1,184 sqft
Lot Size
6,970 sqft
Year Built
1930
Days on Market
199
Capital Outlay
$27,576
Debt Service
$612
Property Tax / Mo
$82
Insurance / Mo
$54
Property Description
Fully renovated 3-bedroom, 1-bath home featuring updated flooring, stainless steel appliances, and a welcoming front porch. Enjoy a fenced yard perfect for entertaining or pets, plus a storage unit in the back for extra space. Conveniently located near the interstate and just minutes from downtown Birmingham-ideal for homeowners or investors.
Utility Allowances
Heating
$93
Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The property has central heating, and the fuel type is inferred as electric, consistent with the electric stove and electric water heater. Alabama Power is chosen as the most likely provider in the absence of specific information.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. The property is listed as having 'Central Air'. Alabama Power is chosen as the most likely provider.
Water Heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. The property explicitly lists an 'Electric Water Heater'. Alabama Power is chosen as the most likely provider.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. The property is listed as having a 'Stove-Electric'. Alabama Power is chosen as the most likely provider.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity for lights and other appliances. Alabama Power is chosen as the most likely provider.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit. The property has 'Public Water', and Birmingham Water Works is the primary supplier for the Fairfield area.
Sewer
$151
Selected the fixed sewer rate for a 3-bedroom unit. The property is listed as 'Sewer: Connected'.
Trash Collection
$40
Selected 'Fairfield Inside City Limits (ISCL)' based on the property's city location.
Refrigerator
$0
The property listing includes a 'Refrigerator'. As this appliance is provided by the landlord, the tenant allowance is $0.
Range/Microwave
$6
Selected the fixed rate for a tenant-owned microwave. The property listing does not explicitly state a microwave is provided, so it is treated as a tenant responsibility.
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$516
DP3 Annual Estimate$784
DP1 Monthly Equivalent$43
DP3 Monthly Equivalent$65
Replacement Value$49,900
Basis1,184 sqft / 1930
Nearby Houses
Photo unavailable
712 61st St
sold · 0.02 mi
Price: $3,000
2 bd / 1 ba · 1,008 sqft
Latest sale: $3,000 on Apr 10, 2025
Latest rent: $1,100 on Jun 01, 2023
Photo unavailable
713 60th St
sold · 0.03 mi
Price: $8,500
2 bd / 1 ba · 892 sqft
Latest sale: $8,500 on Apr 06, 2018
Latest rent: —
Photo unavailable
709 61st St
sold · 0.04 mi
Price: $74,616
3 bd / 1 ba · 1,232 sqft
Latest sale: $74,616 on Jun 09, 2020
Latest rent: $875 on Jan 07, 2020
Photo unavailable
6021 Court F
sold · 0.05 mi
Price: $50,000
2 bd / 1 ba · 1,022 sqft
Latest sale: $50,000 on Aug 08, 2024
Latest rent: $1,000 on Oct 24, 2024
Photo unavailable
604 61st St
sold · 0.06 mi
Price: $49,000
3 bd / 1 ba · 1,086 sqft
Latest sale: $49,000 on Jun 24, 2022
Latest rent: $650 on Oct 01, 2020
Photo unavailable
605 61st St
for_sale · 0.07 mi
Price: $50,000
2 bd / 1 ba · 1,200 sqft
Latest sale: $57,000 on May 21, 2002
Latest rent: —
Photo unavailable
616 62nd St
sold · 0.07 mi
Price: $47,500
3 bd / 1 ba · 1,008 sqft
Latest sale: $47,500 on Nov 25, 2025
Latest rent: —
Photo unavailable
612 62nd St
sold · 0.07 mi
Price: $16,500
3 bd / 1 ba · 1,176 sqft
Latest sale: $16,500 on Jul 05, 2018
Latest rent: —
Photo unavailable
720 60th St
sold · 0.10 mi
Price: $40,900
3 bd / 1 ba · 1,204 sqft
Latest sale: $40,900 on Nov 15, 2020
Latest rent: —
Photo unavailable
613 62nd St
sold · 0.11 mi
Price: $26,200
6 bd / — ba
Latest sale: $26,200 on Oct 20, 2016
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing photos reflect the current condition and renovations described (kitchen and interior finishes are completed).
- Central HVAC is present and connected (inferred from ceiling vents), but operational status is unconfirmed.
- Hot water is available (water heater not shown) and plumbing is functional (kitchen sink pictured with faucet).
- Electrical service and panel exist and are intact; no visible exposed wiring suggests typical safe installation, but panel location/condition unknown.
- Bedrooms have adequate egress via the pictured windows.
- No severe hidden mold, termite damage, or major foundation movement is present because there are no visual indicators; however deeper inspection may reveal issues.
- GFCI protection at kitchen/bath and presence/location of carbon monoxide alarm were not visible and must be verified prior to inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $955 | $63,100 | $12,620 |
| 2023 | $955 | $64,100 | $12,820 |
| 2022 | $795 | $53,400 | $10,680 |
| 2021 | $789 | $53,000 | $10,600 |
| 2020 | $789 | $53,000 | $10,600 |
| 2019 | $789 | $53,000 | $10,600 |
| 2018 | $679 | $45,600 | $9,120 |
| 2010 | $801 | $52,800 | $10,560 |
| 2009 | $731 | $48,100 | $9,620 |
| 2008 | $748 | $49,200 | $9,840 |
| 2007 | $718 | $47,200 | $9,440 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2017-01-04 | Sold | $1,500 |
Photo Gallery
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"location": {
"county": {
"name": "Jefferson",
"fips_code": "01073"
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"address": {
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"line": "613 62nd St",
"state": "Alabama",
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{
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{
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{
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{
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{
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{
"tax": 801,
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"assessment": {
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{
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{
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{
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"date": "2025-09-05",
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{
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"list_price": 114900,
"listing_id": "2984891007",
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{
"date": "2025-08-01",
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"list_price": 114900,
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{
"date": "2006-03-27",
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},
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"property_id": "8771313167",
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"passes": true,
"reason": "disabled",
"enabled": false
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"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 82.9
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"rent_price": 1049.0,
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/704-61st-St_Fairfield_AL_35064_M87713-13167",
"bedroom_count": 3,
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"purchase_price": 114900.0,
"loan_term_years": 30,
"annual_cash_flow": 9695.55,
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"payment_standard": 1584.0,
"total_amount_out": 22980.0,
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"effective_date": "2026-01-01"
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{
"note": "Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The property has central heating, and the fuel type is inferred as electric, consistent with the electric stove and electric water heater. Alabama Power is chosen as the most likely provider in the absence of specific information.",
"utility": "Heating",
"allowance": 93
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{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. The property is listed as having 'Central Air'. Alabama Power is chosen as the most likely provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. The property explicitly lists an 'Electric Water Heater'. Alabama Power is chosen as the most likely provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. The property is listed as having a 'Stove-Electric'. Alabama Power is chosen as the most likely provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity for lights and other appliances. Alabama Power is chosen as the most likely provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit. The property has 'Public Water', and Birmingham Water Works is the primary supplier for the Fairfield area.",
"utility": "Water",
"allowance": 78
},
{
"note": "Selected the fixed sewer rate for a 3-bedroom unit. The property is listed as 'Sewer: Connected'.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Fairfield Inside City Limits (ISCL)' based on the property's city location.",
"utility": "Trash Collection",
"allowance": 40
},
{
"note": "The property listing includes a 'Refrigerator'. As this appliance is provided by the landlord, the tenant allowance is $0.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Selected the fixed rate for a tenant-owned microwave. The property listing does not explicitly state a microwave is provided, so it is treated as a tenant responsibility.",
"utility": "Range/Microwave",
"allowance": 6
}
],
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"_fetched_payment_standard": {
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"effective_date": "2026-01-01"
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{
"summary": "This is a mostly turnkey, recently renovated 3BR/1BA bungalow that visually meets many NSPIRE readiness expectations. Interiors and exterior appear well-maintained with appliances shown and a fenced yard with storage. Key NSPIRE uncertainties remain because mechanicals (HVAC operational confirmation, water heater, electrical panel) and the bathroom details are not photographed. Based on visible condition the property is likely to pass an initial HCV/NSPIRE inspection after a brief walkthrough and minor site fixes (secure downspout, verify GFCI and CO/smoke placement if required).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 88.0,
"rationale": "Photos show a recent cosmetic renovation throughout: new-looking LVT flooring, fresh paint, updated cabinets and countertops, working range and fridge present. Exterior siding and porch appear freshly painted and intact. Minor observable issues: downspout extension lying on grade, small exposed dirt strip at foundation edge, and a short cinderblock verge along the driveway that is partially deteriorated. No visible major deferred maintenance. Missing bathroom photos prevent direct review of bath fixtures but listing states fully renovated. Overall condition is near turnkey with only small finish/site items to correct."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE focus)",
"score": 80.0,
"rationale": "Positive observations: at least one ceiling smoke detector is visible in the living area, windows in bedrooms and living room look large enough for egress, no exposed wiring or obvious structural sagging visible in photos, entry door appears secure, kitchen and living areas show outlet covers in place. Unknowns / risks: electrical panel not pictured, GFCI protection at kitchen sink not clearly visible (photo shows nearby outlet but not GFCI), carbon monoxide detector not visible (may not be required if no gas appliances but unknown), bathroom (wet area) not photographed so caulking/ventilation and hot-water availability cannot be confirmed. No visible mold, standing water, collapsed ceilings, or broken handrails observed. Because several NSPIRE-critical items are not shown, small deduction applied."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, roof, electrical)",
"score": 70.0,
"rationale": "Roof shingles and eaves visible in exterior photos appear intact with no visible sagging or active leaks. Interior ceiling supply/return vents are visible suggesting a central HVAC system was installed or retained; condition and operational status not proven in photos. Kitchen plumbing fixtures visible and appear new; hot water system and water heater not shown. Electrical service drop is visible entering property but main panel and condition not shown. No visible signs of plumbing leaks or water damage. Because critical systems (HVAC operational proof, water heater, electrical panel) are not documented in photos, score is conservative though appearance is generally good."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Front and side yards are clean and fenced (chain link visible). Covered carport in good condition and concrete driveway intact. Small storage unit/shed visible in rear yard. Siding and trim appear recently painted; gutters present. Minor site items: downspout extension is on the ground (needs secure routing/discharge), narrow side yard grade close to foundation (monitor drainage). No obvious pest infestation, major erosion, or unstable site features seen."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing photos reflect the current condition and renovations described (kitchen and interior finishes are completed).",
"Central HVAC is present and connected (inferred from ceiling vents), but operational status is unconfirmed.",
"Hot water is available (water heater not shown) and plumbing is functional (kitchen sink pictured with faucet).",
"Electrical service and panel exist and are intact; no visible exposed wiring suggests typical safe installation, but panel location/condition unknown.",
"Bedrooms have adequate egress via the pictured windows.",
"No severe hidden mold, termite damage, or major foundation movement is present because there are no visual indicators; however deeper inspection may reveal issues.",
"GFCI protection at kitchen/bath and presence/location of carbon monoxide alarm were not visible and must be verified prior to inspection."
],
"overall_score": 81.0,
"rubric_version": "1.0"
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{
"summary": "Property presents as a well-renovated, mostly turnkey single-family home with strong curb appeal, new-looking finishes, working kitchen appliances and intact exterior features. Visible safety items are present (smoke alarm) and there are no signs of structural distress, leaks, or major deferred maintenance. The main NSPIRE uncertainties are non-visible items (electrical panel, GFCI protection, CO alarms if required, location/number of smoke alarms, and proof of functioning HVAC/water heater). These are likely easy-to-fix verifications or small additions, so the unit has a high likelihood of passing an initial Housing Choice Voucher inspection after quick checks and minor corrections if needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Photos show a recently renovated interior: new-looking LVP flooring, fresh paint, intact trim, functioning ceiling fans and recessed lighting, and updated kitchen cabinets and countertops. Stainless appliances (range and refrigerator) are present. Exterior siding and porch railing are in good cosmetic condition. No visible damaged drywall, missing outlet covers, or collapsed surfaces. Minor finish items (downspout extension on ground, landscaping trim) are present but cosmetic."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 78.0,
"rationale": "A ceiling-mounted smoke alarm is visible in the main living area. Windows in bedrooms appear large enough for egress. No exposed wiring or visible water stains/mold. Entry door and porch railing appear secure. Uncertainties: carbon monoxide detectors are not visible (required if fuel-burning appliances or attached garage present), GFCI receptacles near the sink are not clearly identified in photos, and smoke alarms inside or immediately outside each sleeping room are not pictured. Electrical panel location and function not shown. These uncertainties create modest NSPIRE risk that are likely resolved with small additions (GFCI/CO alarms) if not already installed."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 80.0,
"rationale": "Ceiling HVAC/return vents are visible indicating central HVAC ducting; no visible signs of failure (no stains or sagging). Roof shingles visible in exterior photos appear even with no obvious sagging or missing sections. Kitchen plumbing fixtures appear intact and functional; no visible leaks or water damage. Water heater, electrical panel and furnace/AC equipment are not shown so their condition is assumed serviceable based on full-renovation presentation. Because major systems are not directly inspected in photos, score reflects a reasonable expectation of operability with small risk of hidden maintenance items."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior siding, paint and trim are in good condition and the front porch and carport are intact. Concrete driveway is serviceable. Yard is fenced and a storage unit is visible; fence appears chain-link and functional. Minor negatives: overgrown vegetation/brush near the left side of the structure could harbor pests if not trimmed and a downspout is laying at grade (needs proper extension). No visible foundation cracks, standing water, or roof drainage failure in provided photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Interior photos represent the full unit condition and renovation is recent (no hidden water damage behind finishes).",
"Range is electric (no visible gas lines) so carbon monoxide detector is likely not required, but presence is unknown.",
"Central HVAC is present and operational based on visible ceiling vents; no visible evidence of heating failure.",
"Water heater and electrical panel are present and serviceable though not shown in photos.",
"Smoke alarm(s) are installed at least in main living area (one is visible); number/placement in bedrooms and hallways is unconfirmed.",
"GFCI protection at kitchen sink/outlets is not visible in photos and may need verification/installation.",
"No active roof leaks or major foundation movement based on absence of stains, sagging ceilings, or exterior cracks in photos.",
"Listing text and photos are accurate and up-to-date; bathroom and utility spaces function normally though not pictured."
],
"overall_score": 84.0,
"rubric_version": "1.0"
},
{
"summary": "Property appears turnkey for Section 8 with a high likelihood of passing an initial HCV/NSPIRE inspection after minor verification items. The home shows a full cosmetic renovation, working kitchen appliances, functioning lighting and HVAC vents, adequate bedroom egress, a smoke detector, fenced yard and storage—features that strongly support rent-readiness within 1-2 weeks. Remaining inspection risks are primarily verification items (GFCI receptacles, CO alarm if needed, electrical panel and water heater condition) rather than visible life-threatening hazards.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 90.0,
"rationale": "Interior appears recently renovated: new vinyl plank flooring, fresh paint, updated cabinets and countertops, functioning stainless steel stove and refrigerator visible. Exterior siding and porch were freshly painted and appear sound. No visible major cosmetic damage, broken windows, or flooring failures. Minor site work (bare soil strip at foundation, downspout extension laying on ground) are easy fixes and do not materially affect habitability."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 80.0,
"rationale": "Positive: smoke detector visible on ceiling in main living area, bedrooms show large windows (likely egress-compliant), no visible mold, peeling paint, or active leaks. Entry door looks secure and porch railing present. Uncertainties: no carbon monoxide detector visible (may not be required if all-electric), GFCI kitchen receptacles are not visible in photos (kitchen requires GFCI protection per code), electrical panel and wiring not shown. Because visible life-safety items (smoke alarm, egress) are present but some required items cannot be confirmed from photos, moderate deduction applied."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC / plumbing / electrical / roof",
"score": 82.0,
"rationale": "Evidence of central HVAC vents/returns in photos, suggesting a functioning forced-air system. Kitchen and plumbing fixtures (sink) are present and appear operational; stove and refrigerator are installed. Roof shingles visible appear intact with no signs of sagging or active leaks in interior photos. Electrical fixtures and recessed lights function in photos. Water heater and electrical panel not shown (cannot confirm age/condition). Overall systems seem updated during renovation, but lack of direct photos of mechanical equipment and service components reduces score slightly."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 85.0,
"rationale": "Exterior siding, trim, gutters and painted porch are in good visible condition. Driveway and covered carport provide safe parking. Yard is fenced and includes a storage unit, as stated. Some chain-link boundary vegetation and a downspout extension lying on the ground indicate minor maintenance needed for drainage and aesthetics, but no visible foundation displacement, standing water, or severe site hazards."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Central HVAC is present and operational (vents visible in interior photos).",
"Hot water system (water heater) exists and is operational though not pictured.",
"Kitchen appliances (range and refrigerator) shown are functional and will remain with the unit.",
"Smoke detector seen in living room is functional and batteries are present; additional smoke detectors may be required in/near bedrooms per local code.",
"No visible active roof leaks or structural sagging; roof is assumed serviceable based on exterior photos.",
"Windows in bedrooms meet egress size requirements based on visible clear openings, though measurements were not provided.",
"GFCI protection and CO alarm status are unknown — not visible in photos; absence would need correction before inspection if required.",
"Electrical panel, water heater, and HVAC equipment age/condition are not visible; assumed to be serviceable but should be verified during inspection.",
"Property built in 1930 may have lead-based paint risk historically; interior appears freshly painted but lead-safe work practices/records are not provided."
],
"overall_score": 85.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "704 61st St, Fairfield, AL, 35064",
"aggregate": {
"summary": "This is a mostly turnkey, recently renovated 3BR/1BA bungalow that visually meets many NSPIRE readiness expectations. Interiors and exterior appear well-maintained with appliances shown and a fenced yard with storage. Key NSPIRE uncertainties remain because mechanicals (HVAC operational confirmation, water heater, electrical panel) and the bathroom details are not photographed. Based on visible condition the property is likely to pass an initial HCV/NSPIRE inspection after a brief walkthrough and minor site fixes (secure downspout, verify GFCI and CO/smoke placement if required).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 89.3,
"rationale": "Photos show a recent cosmetic renovation throughout: new-looking LVT flooring, fresh paint, updated cabinets and countertops, working range and fridge present. Exterior siding and porch appear freshly painted and intact. Minor observable issues: downspout extension lying on grade, small exposed dirt strip at foundation edge, and a short cinderblock verge along the driveway that is partially deteriorated. No visible major deferred maintenance. Missing bathroom photos prevent direct review of bath fixtures but listing states fully renovated. Overall condition is near turnkey with only small finish/site items to correct."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 84.0,
"rationale": "Front and side yards are clean and fenced (chain link visible). Covered carport in good condition and concrete driveway intact. Small storage unit/shed visible in rear yard. Siding and trim appear recently painted; gutters present. Minor site items: downspout extension is on the ground (needs secure routing/discharge), narrow side yard grade close to foundation (monitor drainage). No obvious pest infestation, major erosion, or unstable site features seen."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE focus)",
"score": 79.3,
"rationale": "Positive observations: at least one ceiling smoke detector is visible in the living area, windows in bedrooms and living room look large enough for egress, no exposed wiring or obvious structural sagging visible in photos, entry door appears secure, kitchen and living areas show outlet covers in place. Unknowns / risks: electrical panel not pictured, GFCI protection at kitchen sink not clearly visible (photo shows nearby outlet but not GFCI), carbon monoxide detector not visible (may not be required if no gas appliances but unknown), bathroom (wet area) not photographed so caulking/ventilation and hot-water availability cannot be confirmed. No visible mold, standing water, collapsed ceilings, or broken handrails observed. Because several NSPIRE-critical items are not shown, small deduction applied."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, roof, electrical)",
"score": 77.3,
"rationale": "Roof shingles and eaves visible in exterior photos appear intact with no visible sagging or active leaks. Interior ceiling supply/return vents are visible suggesting a central HVAC system was installed or retained; condition and operational status not proven in photos. Kitchen plumbing fixtures visible and appear new; hot water system and water heater not shown. Electrical service drop is visible entering property but main panel and condition not shown. No visible signs of plumbing leaks or water damage. Because critical systems (HVAC operational proof, water heater, electrical panel) are not documented in photos, score is conservative though appearance is generally good."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Listing photos reflect the current condition and renovations described (kitchen and interior finishes are completed).",
"Central HVAC is present and connected (inferred from ceiling vents), but operational status is unconfirmed.",
"Hot water is available (water heater not shown) and plumbing is functional (kitchen sink pictured with faucet).",
"Electrical service and panel exist and are intact; no visible exposed wiring suggests typical safe installation, but panel location/condition unknown.",
"Bedrooms have adequate egress via the pictured windows.",
"No severe hidden mold, termite damage, or major foundation movement is present because there are no visual indicators; however deeper inspection may reveal issues.",
"GFCI protection at kitchen/bath and presence/location of carbon monoxide alarm were not visible and must be verified prior to inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 82.9,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8771313167"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.