Property ID: 8774368608
634 Dodge Ave, Jefferson, LA, 70121
Jefferson, LA
Money Down: $53,736
CoC Return: 1.91%
Monthly Cash Flow: $85
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$44,780
Closing Costs
$8,956
Total Down
$53,736
Investment Snapshot
Purchase Price
$223,900
Money Down
$53,736
Cash-on-Cash Return
1.91%
Rent
$1,696
Monthly Cash Flow
$85
Annual Cash Flow
$1,024
Debt Service / Mo
$1,192
Property Tax / Mo
$147
Insurance / Mo
$102
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$102
Property Tax
$147
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,277
Debt Service
$1,192
Cash Flow After Debt
$85
Quality Score: 72.50%
Confidence: 95.00%
Overall this single-family home appears to be in good, rentable condition with mostly cosmetic items to address. The exterior and major visible systems (roof, HVAC) appear updated and sound; interior is clean with working appliances shown. Primary inspection risks are documentation and verification items not visible in photos: presence/location of smoke/CO detectors, deadbolt on entry door, GFCI protection, and verification of electrical panel, water heater, and plumbing function. Termite treatment is active (positive for management but indicates prior/ongoing pest concern). With quick verification/installation of detectors, a deadbolt, and confirmation of GFCI/panel/service, the property would likely pass an initial HCV/NSPIRE inspection within 1-4 weeks.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$223,900
Beds
3
Baths
2
Living Area
1,308 sqft
Lot Size
—
Year Built
1954
Days on Market
254
Capital Outlay
$53,736
Debt Service
$1,192
Property Tax / Mo
$147
Insurance / Mo
$102
Property Description
Adorable home featuring 3 bedrooms and 2 full baths, living room, eat in kitchen, mud room and enclosed patio, detached shed and HUGE fenced yard, has newer roof and a/c & heat, freshly painted exterior, currently under a termite contract and in a X flood zone.
Utility Allowances
cooking
$12
Property info specifies 'Gas: Natural' and includes a range/oven. Selected the 'natural_gas' option from the schedule.
heating
$70
Property info lists 'Gas: Natural' and 'Central' heating. Selected the 'natural_gas' option from the schedule.
other_electric
$67
This is a standard charge for general electricity usage (lights, small appliances) and includes the property's 'Central Air' cooling system.
sewer
$46
Property info explicitly lists 'Sewer: City' and 'Public Sewer'.
trash_collection
$25
Inferred as a standard municipal service for a single-family detached home.
water
$43
Property info explicitly lists 'Water Source: Public'.
water_heating
$24
Inferred based on the presence of 'Gas: Natural' for other appliances, which is the most common fuel source for water heating.
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$1,223
DP3 Annual Estimate$1,223
DP1 Monthly Equivalent$102
DP3 Monthly Equivalent$102
Replacement Value$57,000
Basis1,308 sqft / 1954
Nearby Houses
Photo unavailable
641 Jefferson Heights Ave
for_sale · 0.03 mi
Price: $328,000
3 bd / 3 ba · 2,062 sqft
Latest sale: —
Latest rent: —
Photo unavailable
637 Dodge Ave
for_sale · 0.04 mi
Price: $424,900
6 bd / 3 ba · 3,250 sqft
Latest sale: —
Latest rent: —
Photo unavailable
612 Jefferson Heights Ave
sold · 0.11 mi
Price: $387,000
3 bd / 2 ba · 2,053 sqft
Latest sale: —
Latest rent: —
Photo unavailable
664 Newman Ave
for_sale · 0.14 mi
Price: $389,900
6 bd / 4 ba · 3,154 sqft
Latest sale: — on Oct 22, 2025
Latest rent: —
Photo unavailable
505 Dodge Ave Lot 3
for_sale · 0.15 mi
Price: $142,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
696 Jefferson Heights Ave
sold · 0.15 mi
Price: $299,900
3 bd / 2 ba · 1,865 sqft
Latest sale: —
Latest rent: —
Photo unavailable
659 Newman Ave
off_market · 0.15 mi
Price: $525,000
4 bd / 2 ba · 2,425 sqft
Latest sale: —
Latest rent: —
Photo unavailable
693 Saint George Ave
for_sale · 0.16 mi
Price: $448,500
3 bd / 2 ba · 1,819 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4712 Cross St
for_sale · 0.17 mi
Price: $539,500
4 bd / 3 ba · 2,184 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4 Ellen Ct
off_market · 0.19 mi
Price: $335,999
3 bd / 2 ba · 1,738 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement 'newer roof and a/c & heat' is accurate and the HVAC and roof are operational.
- Water heater, electrical panel, and plumbing are present and functioning but were not visible in provided photos.
- Bedrooms and bathrooms are in similar condition to living areas; no severe hidden water damage or mold present unless otherwise disclosed.
- Smoke and CO detectors are not visible in photos; assume they may be absent or not in required locations until confirmed.
- Deadbolt on entry door is not visible in photos; assume installation may be required.
- Termite contract indicates current pest management; assume no active structural damage requiring major repair unless inspection finds otherwise.
- No evidence of severe foundation movement or roof failure from the available exterior photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,718 | $136,200 | $13,620 |
| 2024 | $1,716 | $136,200 | $13,620 |
| 2023 | $1,600 | $121,700 | $12,170 |
| 2022 | $1,559 | $121,700 | $12,170 |
| 2021 | $1,448 | $121,700 | $12,170 |
| 2020 | $1,437 | $121,700 | $12,170 |
| 2019 | $779 | $64,200 | $6,420 |
| 2018 | $728 | $64,200 | $6,420 |
| 2017 | $728 | $64,200 | $6,420 |
| 2016 | $713 | $64,200 | $6,420 |
| 2015 | $731 | $64,200 | $6,420 |
| 2014 | $722 | $64,200 | $6,420 |
| 2013 | $722 | $64,200 | $6,420 |
| 2010 | $659 | $64,200 | $6,420 |
| 2009 | $659 | $64,200 | $6,420 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-13 | Price Changed | $223,900 |
| 2025-07-28 | Listed | $224,999 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2020-12-30 | Listed for rent | $1,500 | — |
| 2019-10-21 | Listed for rent | $1,500 | — |
Photo Gallery
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/634-Dodge-Ave_Jefferson_LA_70121_M87743-68608",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 223900.0,
"loan_term_years": 30,
"annual_cash_flow": 15324.26,
"mortgage_monthly": 1191.69,
"payment_standard": 1983.0,
"total_amount_out": 44780.0,
"additional_photos": [
"https://ap.rdcpix.com/9c66ace5024879e60e0461ff291b4779l-m330009242s-w1280.jpg",
"https://ap.rdcpix.com/9c66ace5024879e60e0461ff291b4779l-m2921485907s-w1280.jpg",
"https://ap.rdcpix.com/9c66ace5024879e60e0461ff291b4779l-m224065002s-w1280.jpg",
"https://ap.rdcpix.com/9c66ace5024879e60e0461ff291b4779l-m1216339842s-w1280.jpg",
"https://ap.rdcpix.com/9c66ace5024879e60e0461ff291b4779l-m1566364866s-w1280.jpg",
"https://ap.rdcpix.com/9c66ace5024879e60e0461ff291b4779l-m3461884271s-w1280.jpg",
"https://ap.rdcpix.com/9c66ace5024879e60e0461ff291b4779l-m3534180513s-w1280.jpg",
"https://ap.rdcpix.com/9c66ace5024879e60e0461ff291b4779l-m1494389910s-w1280.jpg",
"https://ap.rdcpix.com/9c66ace5024879e60e0461ff291b4779l-m3622689423s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 101.92,
"monthly_cash_flow": 1277.02,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property info specifies 'Gas: Natural' and includes a range/oven. Selected the 'natural_gas' option from the schedule.",
"utility": "cooking",
"allowance": 12
},
{
"note": "Property info lists 'Gas: Natural' and 'Central' heating. Selected the 'natural_gas' option from the schedule.",
"utility": "heating",
"allowance": 70
},
{
"note": "This is a standard charge for general electricity usage (lights, small appliances) and includes the property's 'Central Air' cooling system.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "Property info explicitly lists 'Sewer: City' and 'Public Sewer'.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Inferred as a standard municipal service for a single-family detached home.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Property info explicitly lists 'Water Source: Public'.",
"utility": "water",
"allowance": 43
},
{
"note": "Inferred based on the presence of 'Gas: Natural' for other appliances, which is the most common fuel source for water heating.",
"utility": "water_heating",
"allowance": 24
}
],
"cash_on_cash_return": 0.34,
"down_payment_amount": 44780.0,
"property_tax_annual": 1769.54,
"property_tax_monthly": 147.46,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 1023.98,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": 85.33,
"cash_on_cash_return_after_debt": 0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single-family home appears to be in good, rentable condition with mostly cosmetic items to address. The exterior and major visible systems (roof, HVAC) appear updated and sound; interior is clean with working appliances shown. Primary inspection risks are documentation and verification items not visible in photos: presence/location of smoke/CO detectors, deadbolt on entry door, GFCI protection, and verification of electrical panel, water heater, and plumbing function. Termite treatment is active (positive for management but indicates prior/ongoing pest concern). With quick verification/installation of detectors, a deadbolt, and confirmation of GFCI/panel/service, the property would likely pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior and exterior photos show a well-maintained, recently painted exterior, intact roofing, tidy landscaping, and clean tile floors throughout living areas. Kitchen and cabinetry are older but functional in appearance; appliances (range, dishwasher, refrigerator) are present. Minor cosmetic deferred items include dated wood paneling in parts of the interior, fluorescent ceiling fixture in the kitchen, and some worn door/trim finishes. No obvious water damage, collapsed ceilings, or exposed subflooring visible. Missing major cosmetic updates reduce 'turnkey' polish but repairs are mostly easy/cosmetic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible exposed wiring, no collapsed ceilings, and stair/porch steps appear minimal and sound. Entry door has a functioning knob but no visible deadbolt in photos (deadbolt required for acceptable security). Smoke and carbon monoxide detectors are not visible in the provided interior photos (must be present and correctly located for NSPIRE). Kitchen has a gas range with hood/vent present; GFCI protection for kitchen/bath outlets is not visible. Bedroom egress windows likely adequate from exterior photos but bedrooms and bathroom photos were not provided to confirm. Property is reported in an X flood zone (flood risk lower but disclosed). Termite contract disclosed (indicates active pest management but also past/present infestation risk). Overall some code items are unknown or not documented in photos and reduce inspection readiness."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Listing states 'newer roof and a/c & heat' and photos show a newer-looking shingle roof and ceiling HVAC return/vent registers indicating central HVAC. No visible signs of roof leakage or interior water stains. Appliances include a gas range and dishwasher; refrigerator is present. Electrical panel, water heater, and plumbing access points are not shown so their condition is assumed but not verified. Given visible updates (roof, HVAC) the mechanical systems likely function but some key system components are unverified from photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 88.0,
"rationale": "Exterior photos show a freshly painted stucco/finish, neatly trimmed hedges, intact gutters, a paved driveway with gated access to a detached garage, and a fully fenced yard. Walkways and front porch appear even and free of trip hazards. No visible foundation settlement or major cracking from the provided angles. Detached shed/garage appears functional at the rear. Overall exterior and site condition are strong and low risk."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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": [],
"confidence": 0.7,
"assumptions": [
"Listing statement 'newer roof and a/c & heat' is accurate and the HVAC and roof are operational.",
"Water heater, electrical panel, and plumbing are present and functioning but were not visible in provided photos.",
"Bedrooms and bathrooms are in similar condition to living areas; no severe hidden water damage or mold present unless otherwise disclosed.",
"Smoke and CO detectors are not visible in photos; assume they may be absent or not in required locations until confirmed.",
"Deadbolt on entry door is not visible in photos; assume installation may be required.",
"Termite contract indicates current pest management; assume no active structural damage requiring major repair unless inspection finds otherwise.",
"No evidence of severe foundation movement or roof failure from the available exterior photos."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment"
},
{
"summary": "Overall the property appears largely rent-ready with cosmetic updates, a newer roof and HVAC, intact exterior and functioning kitchen appliances. The most likely inspection failures would be missing/incorrectly located smoke and carbon monoxide detectors, potential missing GFCI protection in kitchen/baths, and verification of bedroom egress and hot water. These are generally quick fixes. Termite treatment is active and should be documented/cleared; confirm no concealed structural damage. Expect to be inspection-ready within 1-4 weeks if detectors and a few safety items are installed/verified.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Exterior and interior photos show a well-maintained, cosmetically updated house: fresh exterior paint, newer roof, tiled floors throughout, functioning interior fixtures (ceiling fans, lighting), and presence of major appliances (gas range, refrigerator, dishwasher). Cabinetry and some trim are dated and show normal wear; wall paneling and some finishes are older but intact. No visible major water damage, collapsed ceilings, or exposed subfloor. Missing cosmetic improvements only (paint touch-ups, cabinet updates, minor trim repair). Missing appliances would be moderate but here key appliances are present. Overall condition indicates minor repairs only to prepare for rental."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 56.0,
"rationale": "Photos do not show smoke detectors or carbon monoxide detectors (none visible on ceilings or walls in living areas or kitchen) — these are required and would fail inspection if absent. Entry door shown with knob only; a deadbolt is not visible. GFCI receptacles in kitchen/bath are not visible and older homes often lack them; fluorescent light fixture and ceiling vent in kitchen are present but GFCI protection at counter outlets is unknown. No exposed wiring is visible and there are functioning HVAC vents and ceiling fans. Bedroom windows/egress and bathroom plumbing fixtures are not shown so egress and hot water cannot be confirmed. Termite contract is in place (listing) which raises potential historic pest/wood damage concerns that must be documented/cleared. Given the visual evidence, the property has some addressable safety items (detectors, possible GFCI, check deadbolt/egress) that could cause an initial fail if not corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 72.0,
"rationale": "Listing states 'newer roof and a/c & heat' and photos show a recently-shingled roof and visible HVAC vents, supporting that heating/cooling are likely present and functional. No water heater or electrical panel photos to directly confirm, but plumbing fixtures (kitchen sink) appear intact and the gas range is present and appears connected. Termite contract suggests prior pest issues but not necessarily current mechanical failures. Because the roof, HVAC and visible plumbing appear serviceable, systems risk is moderate-low; however lack of direct photos of water heater, electrical panel, and proof of HVAC service reduces certainty."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 86.0,
"rationale": "Exterior images show a fenced yard, maintained lawn, solid concrete walkways and driveway, and a detached garage. Fresh exterior paint and installed gutters/downspouts are visible. Driveway and sidewalks show minor cracking but no major trip hazards. The property sits in an X flood zone (low risk) per listing. No visible signs of exterior structural damage, standing water, or major drainage issues in the provided photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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": [
"No visible smoke detectors in photos — likely fail if not installed or nonfunctional.",
"No visible carbon monoxide detector(s) — required where gas appliances are present.",
"No visible GFCI-protected kitchen outlets (unknown) — potential code issue.",
"Active termite contract listed — requires documentation and confirmation there is no remaining structural damage or required repairs.",
"No visible deadbolt on entry door (security/deadbolt may be required by some PHAs)."
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'newer a/c & heat' means the HVAC system is installed and functioning; vents seen in photos support this.",
"Bedrooms and bathrooms (not pictured) have standard sized windows; at least one egress window per bedroom is assumed but not confirmed.",
"No active roof leaks or interior water intrusion based on clean ceilings in photos; no evidence of staining or sagging ceilings is visible.",
"Electrical panel, water heater, and bathroom fixtures are present and functional but not photographed; score accounts for reasonable uncertainty.",
"Termite contract indicates treatment in place but no visible severe structural wood damage in photos; assume treatment is preventative/mitigative rather than repair-level."
],
"overall_score": 72.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears rent-ready with minor repairs and safety verifications required. The exterior, roof and HVAC are reported/new and the interior is clean and functional though cosmetically dated. Key inspection items to address before HCV inspection: verify/install smoke detectors and CO alarms, confirm GFCI protection in kitchen/baths, confirm water heater and electrical panel condition, and obtain termite clearance documentation. With those items completed the home is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 75.0,
"rationale": "Exterior and interior photos show a well-maintained home with fresh exterior paint, newer roof, intact windows, tiled floors and functioning appliances (gas stove, dishwasher). Interior finishes are dated (wood paneling, acoustic ceiling tiles) and there are cosmetic issues that could benefit from paint/update, but no visible severe deferred maintenance. Missing minor items (no visible smoke/CO detectors) and some interior cosmetic refresh expected."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards visible (no sagging ceilings, no standing water, no collapsed elements). However, photos do not show smoke detectors or carbon monoxide alarms, and no GFCI receptacles are visible at the kitchen sink area — these are common NSPIRE inspection failures if not present/operational. Entry door appears secure and there are no exposed wiring or visible electrical panel issues. Bedroom egress appears plausible from window sizes shown but bedrooms/bathrooms were not photographed so egress and bathroom plumbing/fixtures must be verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Listing states newer A/C & heat and photos show central HVAC vents in ceilings, and the roof looks recently replaced — positive indicators for major systems. Appliances (gas stove, dishwasher) are present. Electrical panel, water heater and plumbing components are not visible in photos, so condition is assumed serviceable based on overall upkeep. Termite contract is active (listing) — this suggests pest mitigation is in progress and should be confirmed complete prior to leasing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Curb appeal is good: level yard, maintained lawn, fenced yard, concrete driveway with separate garage, and intact gutters. Walkway shows minor cracking but nothing indicating structural movement. Property is in FEMA X flood zone (low risk). Detached garage and fenced yard are positive rental features."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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": [
"No visible smoke detectors in living spaces/near bedrooms (NSPIRE requirement)",
"No visible carbon monoxide alarm (if required by local code) and no visible GFCI outlet at kitchen sink area",
"Active termite contract – verify treatment completed and any structural damage repaired"
],
"confidence": 0.65,
"assumptions": [
"Newer roof and A/C & heat reported in listing are functional and were installed within a reasonable recent timeframe.",
"Water heater and main electrical panel are present and in serviceable condition despite not being shown in photos.",
"Bedrooms and bathrooms meet minimum egress and plumbing fixture requirements though they were not photographed.",
"No active roof leaks or significant hidden water intrusion exist (no staining or sagging visible in interior photos).",
"Termite contract is active and will result in clearance/repair as necessary prior to leasing."
],
"overall_score": 72.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "634 Dodge Ave, Jefferson, LA, 70121",
"aggregate": {
"summary": "Overall this single-family home appears to be in good, rentable condition with mostly cosmetic items to address. The exterior and major visible systems (roof, HVAC) appear updated and sound; interior is clean with working appliances shown. Primary inspection risks are documentation and verification items not visible in photos: presence/location of smoke/CO detectors, deadbolt on entry door, GFCI protection, and verification of electrical panel, water heater, and plumbing function. Termite treatment is active (positive for management but indicates prior/ongoing pest concern). With quick verification/installation of detectors, a deadbolt, and confirmation of GFCI/panel/service, the property would likely pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 76.0,
"rationale": "Interior and exterior photos show a well-maintained, recently painted exterior, intact roofing, tidy landscaping, and clean tile floors throughout living areas. Kitchen and cabinetry are older but functional in appearance; appliances (range, dishwasher, refrigerator) are present. Minor cosmetic deferred items include dated wood paneling in parts of the interior, fluorescent ceiling fixture in the kitchen, and some worn door/trim finishes. No obvious water damage, collapsed ceilings, or exposed subflooring visible. Missing major cosmetic updates reduce 'turnkey' polish but repairs are mostly easy/cosmetic."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 86.3,
"rationale": "Exterior photos show a freshly painted stucco/finish, neatly trimmed hedges, intact gutters, a paved driveway with gated access to a detached garage, and a fully fenced yard. Walkways and front porch appear even and free of trip hazards. No visible foundation settlement or major cracking from the provided angles. Detached shed/garage appears functional at the rear. Overall exterior and site condition are strong and low risk."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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": "Section 8 / NSPIRE safety & code risk",
"score": 60.3,
"rationale": "No visible exposed wiring, no collapsed ceilings, and stair/porch steps appear minimal and sound. Entry door has a functioning knob but no visible deadbolt in photos (deadbolt required for acceptable security). Smoke and carbon monoxide detectors are not visible in the provided interior photos (must be present and correctly located for NSPIRE). Kitchen has a gas range with hood/vent present; GFCI protection for kitchen/bath outlets is not visible. Bedroom egress windows likely adequate from exterior photos but bedrooms and bathroom photos were not provided to confirm. Property is reported in an X flood zone (flood risk lower but disclosed). Termite contract disclosed (indicates active pest management but also past/present infestation risk). Overall some code items are unknown or not documented in photos and reduce inspection readiness."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.7,
"rationale": "Listing states 'newer roof and a/c & heat' and photos show a newer-looking shingle roof and ceiling HVAC return/vent registers indicating central HVAC. No visible signs of roof leakage or interior water stains. Appliances include a gas range and dishwasher; refrigerator is present. Electrical panel, water heater, and plumbing access points are not shown so their condition is assumed but not verified. Given visible updates (roof, HVAC) the mechanical systems likely function but some key system components are unverified from photos."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing statement 'newer roof and a/c & heat' is accurate and the HVAC and roof are operational.",
"Water heater, electrical panel, and plumbing are present and functioning but were not visible in provided photos.",
"Bedrooms and bathrooms are in similar condition to living areas; no severe hidden water damage or mold present unless otherwise disclosed.",
"Smoke and CO detectors are not visible in photos; assume they may be absent or not in required locations until confirmed.",
"Deadbolt on entry door is not visible in photos; assume installation may be required.",
"Termite contract indicates current pest management; assume no active structural damage requiring major repair unless inspection finds otherwise.",
"No evidence of severe foundation movement or roof failure from the available exterior photos."
],
"score_method": "mean_of_criteria",
"overall_score": 72.5,
"rubric_version": "nsPIRE-v1.0-photo-assessment",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8774368608"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.