Property ID: 8779325345
5401 Myron Massey Blvd, Fairfield, AL, 35064
Fairfield, AL
Money Down: $26,376
CoC Return: 11.97%
Monthly Cash Flow: $263
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,980
Closing Costs
$4,396
Total Down
$26,376
Investment Snapshot
Purchase Price
$109,900
Money Down
$26,376
Cash-on-Cash Return
11.97%
Rent
$1,092
Monthly Cash Flow
$263
Annual Cash Flow
$3,158
Debt Service / Mo
$585
Property Tax / Mo
$80
Insurance / Mo
$55
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,092
Payment Standard
$1,804
Rent
$1,092
Insurance
$55
Property Tax
$80
Management
$109
Utilities Allowance
$712
NOI (Monthly)
$848
Debt Service
$585
Cash Flow After Debt
$263
Quality Score: 68.00%
Confidence: 88.00%
Overall the house appears mostly updated inside and shows evidence of recent rental activity and Section 8 approval. Major systems are present (central AC, electrical service, stove). Primary concerns that could cause an NSPIRE inspection failure are: lack of visible smoke/CO detectors, missing/insufficient stair handrail(s), a boarded rear window, and exposed/missing fascia/soffit at the roof edges which raises roof/water-intrusion risk. These are fixable (some immediately, some requiring a contractor) and with targeted corrections the house is likely rent-ready within 2–4 weeks. Given the documented recent rental history and Section 8 approval, probability of passing an initial HCV inspection is reasonably good after addressing the safety items listed.
Section 8 Payment Standard
$1,804
Utility Allowance Total
$712
Guaranteed Section 8 Rent (PS - Utilities)
$1,092
Property Management
$109
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,900
Beds
4
Baths
2
Living Area
1,392 sqft
Lot Size
6,534 sqft
Year Built
1940
Days on Market
217
Capital Outlay
$26,376
Debt Service
$585
Property Tax / Mo
$80
Insurance / Mo
$55
Property Description
Completely Updated throughout! Section 8 Approved Property! Priced to and Will Sell! Do NOT WAIT! Amazing Investment Opportunity. 4 Bedrooms and 2 Bath in Fairfield.
Utility Allowances
heating
$119
Property has 'Central' heating. The fuel type was not specified, so the most expensive option (Electric) was chosen per instructions for ambiguity. 'Alabama Power' is the most expensive electric provider listed.
cooling
$28
Property has 'Central Air', which is electric. 'Alabama Power' was chosen as the most expensive provider on the schedule.
cooking
$26
The property does not include a stove. Electric was chosen as a common and the most expensive non-propane option for a tenant-supplied appliance. 'Alabama Power' is the most expensive electric provider.
water_heating
$71
Property data explicitly lists an 'Electric Water Heater'. 'Alabama Power' was selected as the most expensive electric provider on the schedule.
other_electric
$87
This covers baseline electricity for lights and other non-major appliances. 'Alabama Power' was chosen for consistency and as the most expensive provider.
refrigerator
$8
A refrigerator is not listed as a provided appliance, so it is treated as a tenant-owned utility cost per the rules.
range_microwave
$6
A microwave is not listed as a provided appliance, so it is treated as a tenant-owned utility cost per the rules.
water
$150
Property has public water. The specific provider for Fairfield is not on the schedule. 'Mulga' was chosen as the most expensive option available, per instructions for ambiguity.
sewer
$177
Property data confirms it is 'Sewer Connected'. The schedule provides a single fixed rate for this utility.
trash_collection
$40
The property is located in Fairfield, and the schedule provides a specific rate for this city.
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$522
DP3 Annual Estimate$790
DP1 Monthly Equivalent$44
DP3 Monthly Equivalent$66
Replacement Value$50,100
Basis1,392 sqft / 1940
Nearby Houses
Photo unavailable
5407 Myron Massey Blvd
sold · 0.01 mi
Price: $65,700
3 bd / 2 ba · 2,024 sqft
Latest sale: $65,700 on Apr 07, 2020
Latest rent: —
Photo unavailable
5312 Court G
for_sale · 0.04 mi
Price: $83,900
2 bd / 2 ba · 1,248 sqft
Latest sale: $100 on May 10, 2023
Latest rent: —
Photo unavailable
5407 Court G
sold · 0.06 mi
Price: $16,500
2 bd / 1 ba · 756 sqft
Latest sale: $16,500 on Jan 10, 2023
Latest rent: —
Photo unavailable
5321 Court G
sold · 0.06 mi
Price: $22,500
1 bd / 2 ba · 1,272 sqft
Latest sale: $22,500 on Jan 10, 2024
Latest rent: —
Photo unavailable
5300 Court G
sold · 0.06 mi
Price: $80,000
4 bd / 2 ba · 1,592 sqft
Latest sale: $80,000 on Oct 21, 2024
Latest rent: $1,295 on Dec 27, 2024
Photo unavailable
5503 Myron Massey Blvd
off_market · 0.07 mi
Price: $1,100
3 bd / 2 ba · 1,119 sqft
Latest sale: $26,000 on May 27, 2025
Latest rent: $1,300 on Jul 24, 2025
Photo unavailable
5301 Court G
for_sale · 0.08 mi
Price: $159,900
4 bd / 2 ba · 1,649 sqft
Latest sale: $40,000 on May 29, 2025
Latest rent: —
Photo unavailable
5505 Court G
sold · 0.09 mi
Price: $57,000
2 bd / 1 ba · 800 sqft
Latest sale: $57,000 on Mar 02, 2022
Latest rent: —
Photo unavailable
5219 Court G
for_sale · 0.09 mi
Price: $69,500
3 bd / 1 ba · 1,140 sqft
Latest sale: $66,500 on Oct 28, 2022
Latest rent: $999 on Jan 09, 2026
Photo unavailable
5509 Court G
sold · 0.09 mi
Price: $36,300
4 bd / 2 ba · 1,890 sqft
Latest sale: $36,300 on Oct 16, 2020
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Missing/insufficient stair handrail at main front steps (unsafe stairs / code violation risk).
- No visible smoke detectors or carbon monoxide detectors in interior photos — potential automatic NSPIRE fail if absent or improperly located.
- Exposed/missing fascia and deteriorated soffit/rafters at roof edges — increases risk of water intrusion and future roof failure.
- Boarded rear window (possible broken window) — security and egress issue.
- Notable chimney/mortar deterioration on exterior brick stacks.
Assumptions
- Photos represent the full interior and exterior conditions; unseen rooms (bathrooms, mechanical closet) are assumed serviceable unless otherwise noted.
- Smoke and carbon monoxide detectors are not visible in the supplied interior photos; I assume they are absent or not reliably placed and should be verified/installed to meet NSPIRE.
- Water heater and heating source are present and functional (central HVAC condenser observed), but operation of heating/hot water was not verified in photos.
- Electrical panel is assumed accessible and in working order because the meter and exterior conduit appear properly installed; label and interior panel condition should be verified.
- One rear window appears boarded in a photo — assumed broken or removed and will need repair to meet egress/security requirements.
- Roof-cover condition beyond exposed eaves/soffit where visible cannot be fully assessed from photos; assume moderate aging and localized repairs required rather than full immediate replacement unless an inspection indicates otherwise.
- Listing claim 'Section 8 Approved' and rental history entry are accurate and indicate prior successful inspections within the last 5 years.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $932 | $61,600 | $12,320 |
| 2023 | $932 | $62,600 | $12,520 |
| 2022 | $771 | $51,800 | $10,360 |
| 2021 | $771 | $51,800 | $10,360 |
| 2020 | $771 | $51,800 | $10,360 |
| 2019 | $771 | $51,800 | $10,360 |
| 2018 | $667 | $44,800 | $8,960 |
| 2017 | $728 | $48,900 | $9,780 |
| 2016 | $728 | $48,900 | $9,780 |
| 2015 | $728 | $48,900 | $9,780 |
| 2013 | $731 | $48,100 | $9,620 |
| 2012 | $731 | $48,080 | $9,616 |
| 2011 | $742 | $48,800 | $9,760 |
| 2010 | $742 | $48,800 | $9,760 |
| 2009 | $681 | $44,700 | $8,940 |
| 2008 | $698 | $45,900 | $9,180 |
| 2007 | $673 | $44,200 | $8,840 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-01-08 | Sold | $80,000 |
| 2024-01-26 | Sold | $28,000 |
| 2023-08-24 | Sold | $10,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-01-09 | Listed for rent | $1,300 | — |
| 2025-12-20 | Listed for rent | $1,300 | — |
| 2025-02-14 | Listed for rent | $1,300 | — |
Photo Gallery
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"utility": "heating",
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{
"note": "Property has 'Central Air', which is electric. 'Alabama Power' was chosen as the most expensive provider on the schedule.",
"utility": "cooling",
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{
"note": "The property does not include a stove. Electric was chosen as a common and the most expensive non-propane option for a tenant-supplied appliance. 'Alabama Power' is the most expensive electric provider.",
"utility": "cooking",
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{
"note": "Property data explicitly lists an 'Electric Water Heater'. 'Alabama Power' was selected as the most expensive electric provider on the schedule.",
"utility": "water_heating",
"allowance": 71
},
{
"note": "This covers baseline electricity for lights and other non-major appliances. 'Alabama Power' was chosen for consistency and as the most expensive provider.",
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{
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{
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"utility": "range_microwave",
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{
"note": "Property has public water. The specific provider for Fairfield is not on the schedule. 'Mulga' was chosen as the most expensive option available, per instructions for ambiguity.",
"utility": "water",
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{
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{
"note": "The property is located in Fairfield, and the schedule provides a specific rate for this city.",
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"summary": "Overall the house appears mostly updated inside and shows evidence of recent rental activity and Section 8 approval. Major systems are present (central AC, electrical service, stove). Primary concerns that could cause an NSPIRE inspection failure are: lack of visible smoke/CO detectors, missing/insufficient stair handrail(s), a boarded rear window, and exposed/missing fascia/soffit at the roof edges which raises roof/water-intrusion risk. These are fixable (some immediately, some requiring a contractor) and with targeted corrections the house is likely rent-ready within 2–4 weeks. Given the documented recent rental history and Section 8 approval, probability of passing an initial HCV inspection is reasonably good after addressing the safety items listed.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates: painted walls, new-looking cabinets/countertops, functional stove and hood, and intact hardwood/vinyl flooring. Minor deferred maintenance visible: worn/dirty front concrete steps with cracking, porch capstone wear, some peeling paint and localized exterior trim rot. Missing refrigerator not observed in photos but stove is present — missing appliances would be a moderate, easily corrected issue. Overall mostly cosmetic and easy-to-fix items."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE compliance risk",
"score": 62.0,
"rationale": "Some NSPIRE risks visible or cannot be confirmed from photos: no smoke/CO detectors are visible in interior shots (could be present but not shown) — absence would cause an automatic fail. Front steps lack a continuous handrail and there is a small rear step with a partial rail — stair handrail/guardrail issues risk inspection failure. Windows appear adequate for light/ventilation but egress sizing cannot be fully confirmed. Electrical service and meter/panel visible and appear intact; no obvious exposed live wiring seen. Exterior soffit/rafters show missing fascia and exposed areas which raises risk of roof/water intrusion. Overall there are important compliance items that need verification/fixes before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Central AC condenser is present at the rear (HVAC present). Exterior electrical meter and conduit look intact and professionally installed. No open electrical hazards visible in photos. Roof shingles and flashings are not fully visible; eave/soffit damage and missing fascia at several locations increases risk of water intrusion and future roof problems and should be inspected. Water heater and mechanical labelling not shown; plumbing functionality (hot water, drains) is unverified from photos. Systems appear generally present and likely functional but require verification (roof edge/soffit repair recommended)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 60.0,
"rationale": "Siding is largely intact and recently painted; foundation is brick and painted. Several photos show missing/loose fascia and exposed rafter tails, which are deterioration points. Chimney brickwork shows cracking/mortar issues. Vegetation is overgrown near the foundation and could contribute to moisture/entry issues if not trimmed. One rear window appears boarded — potential broken window or security/egress issue. Front porch has guardrail but stair handrail is absent. No obvious standing water in photos but grading/drainage cannot be confirmed. Exterior condition is fair but needs targeted repairs and yard cleanup."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing/insufficient stair handrail at main front steps (unsafe stairs / code violation risk).",
"No visible smoke detectors or carbon monoxide detectors in interior photos — potential automatic NSPIRE fail if absent or improperly located.",
"Exposed/missing fascia and deteriorated soffit/rafters at roof edges — increases risk of water intrusion and future roof failure.",
"Boarded rear window (possible broken window) — security and egress issue.",
"Notable chimney/mortar deterioration on exterior brick stacks."
],
"confidence": 0.7,
"assumptions": [
"Photos represent the full interior and exterior conditions; unseen rooms (bathrooms, mechanical closet) are assumed serviceable unless otherwise noted.",
"Smoke and carbon monoxide detectors are not visible in the supplied interior photos; I assume they are absent or not reliably placed and should be verified/installed to meet NSPIRE.",
"Water heater and heating source are present and functional (central HVAC condenser observed), but operation of heating/hot water was not verified in photos.",
"Electrical panel is assumed accessible and in working order because the meter and exterior conduit appear properly installed; label and interior panel condition should be verified.",
"One rear window appears boarded in a photo — assumed broken or removed and will need repair to meet egress/security requirements.",
"Roof-cover condition beyond exposed eaves/soffit where visible cannot be fully assessed from photos; assume moderate aging and localized repairs required rather than full immediate replacement unless an inspection indicates otherwise.",
"Listing claim 'Section 8 Approved' and rental history entry are accurate and indicate prior successful inspections within the last 5 years."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-v1-photo-assessment-2026-02"
},
{
"summary": "Overall the property appears largely renovated and close to Section 8/NSPIRE readiness: interior updates, installed range, functional-looking HVAC condenser, and intact electrical service. Main inspection risks are missing/probable missing smoke detectors, missing exterior handrail on the front steps (safety failure potential), visible missing soffit/roof-edge exposure, overgrown vegetation next to foundation, and some trip hazards on the front walkway/steps. Most issues are repairable within a short timeframe; likely passable after addressing smoke detectors, handrails, soffit/roof-edge repairs, cleaning vegetation, and verifying operation of water heater and heating system.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently updated — painted walls, cabinets, countertops, and new-looking vinyl/wood floors. Kitchen has stove and range hood installed. Visible minor defects: worn/cracked concrete front steps, uneven/weed-filled brick walkway, a missing/poor transition strip on flooring, and some exterior paint touch-up areas. Overall cosmetic condition is good and most items are easy-to-fix capital repairs; no widespread interior deterioration visible."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 65.0,
"rationale": "No obvious exposed live wiring or collapsed ceilings in photos. Electrical meter and panel are present and appear intact. A/C condenser visible (indicates HVAC presence). However several safety/code concerns visible or not-confirmed: no smoke detectors are visible in photos (NSPIRE requires functioning smoke detectors in required locations), front entry stairs lack a proper handrail (exterior steps of this height will typically require handrail/guard), some soffit/under-eave areas are missing or open which can allow pests/water intrusion, and the brick walkway and front steps show trip hazards. GFCI presence at kitchen/bath outlets cannot be confirmed. Bedrooms appear to have windows (egress likely OK) but egress compliance cannot be fully confirmed from photos."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Exterior shows a modern exterior A/C condenser (indicative of forced-air HVAC or at least cooling) and an intact electrical meter & conduit suggesting updated service. Kitchen sink present; stove installed. Water heater and furnace are not visible in photos so operation cannot be confirmed. Roof shingles are not fully visible but eave/soffit damage at edges is present and could indicate roof edge issues that should be inspected. No visible active plumbing or electrical hazards; overall systems look present and likely functional but some components (water heater, heating source, roof/soffit) require verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "Siding and painted brick foundation appear generally intact; many windows present and boarded where necessary (one boarded window noted). Yard is overgrown near foundation and vegetation abuts the siding which can cause moisture/entry points. Several eave/soffit areas show missing boards/exposure. Chimney and porch brick have been painted and show some wear. Front porch structure looks solid but front concrete steps show cracking/edge spalling. Brick walkway is uneven with vegetation growing between joints (trip hazard). Overall the exterior is serviceable but needs attention to drainage/vegetation control, soffit/roof edge repairs, and site clean-up."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Unsafe stairs / missing handrail at front exterior steps (inspection fail risk)",
"Missing/ open soffit and exposed eave areas (potential roof edge/water intrusion risk)",
"Trip hazards on front brick walkway and cracked front steps"
],
"confidence": 0.8,
"assumptions": [
"Interior photos represent the majority of living spaces; other rooms (bathrooms, mechanical closet, water heater) not photographed but assumed reachable and in reasonable condition based on listing claiming 'completely updated'.",
"The A/C condenser visible at the rear indicates an HVAC system with heating likely present (forced air or heat pump), but its operational status is not confirmed and should be verified.",
"Smoke and CO detectors (if required) are not visible in photos; assume they are not installed or not shown — inspector will require functioning detectors in bedrooms and common areas.",
"Windows visible in bedrooms provide egress but exact sizes and compliance were not measured; assume typical bedroom windows meet egress unless shown otherwise.",
"Roof shingles are not fully visible from photos; missing soffit/under-eave boards imply localized roof edge/ventilation repairs are required, but no widespread roof collapse was seen.",
"No active interior water intrusion or mold was visible in photographs; assume no severe hidden water damage unless further inspection reveals otherwise.",
"Lead-based paint hazards are possible because the house was built in 1940; listing photos show painted surfaces in good condition but pre-1978 lead risk protocols should be followed."
],
"overall_score": 69.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 4-bed/2-bath bungalow appears largely updated and is close to Section 8 readiness but has several inspection-risk items. Interior cosmetic condition and presence of major systems (HVAC, range, electrical service) point to a property that is rentable with minor to moderate repairs. Primary inspection concerns are missing/uncertain life-safety items (no visible smoke/CO detectors in photos, missing front stair handrail), a boarded rear window, and some exterior trim/soffit and vegetation/ivy issues. With corrective work (install/verify smoke & CO detectors, install front handrail, repair soffit/trim, address boarded window, confirm GFCI in kitchen/baths and confirm hot water/HVAC operation), the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks. Estimated readiness timeline: minor fixes 1–2 weeks; if any mechanical repairs discovered during functional testing — up to 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently updated: painted walls, new-ish cabinets/counters, working range and hood shown. Hardwood and vinyl floors are generally in fair condition with some wear and a visible seam/transition in the kitchen. Exterior shows painted siding and brick foundation but areas of cosmetic wear (paint touch-up, porch step cracking, overgrown landscaping, boarded window at rear). Missing minor items (front handrail, some trim/soffit repairs) and lawn cleanup required. Missing refrigerator not shown; seller claims updated and Section 8 approved. Overall mostly cosmetic and small repair work rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code (NSPIRE) Risk",
"score": 55.0,
"rationale": "Observed safety issues and unknowns create inspection risk: front entry stairs lack a continuous handrail (visible 4-5 risers) which is an NSPIRE/municipal safety concern; one rear window is boarded. No smoke/CO detectors are visible in photos (not confirmed), and presence of GFCI protection in kitchen/bath is not shown. Windows look adequate for egress in main rooms but sizes not measured. Electrical meter and conduit appear intact externally and no exposed live wiring is visible. No visible active leaks, collapsed ceilings, or obvious foundation failure. Given the missing handrail and missing/unknown detectors/GFCI, there is moderate risk of initial inspection failure without quick fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Central HVAC condenser is present outside and ceiling vents are visible inside — indicates forced-air system likely installed. Exterior electrical meter and conduit look modern and intact. No visible roof collapse or major sagging from exterior photos; however some fascia/soffit boards appear worn or missing in places which could allow water intrusion if not addressed. No water stains or plumbing failures visible inside; water heater not shown. Overall systems appear present and likely functional but not fully verifiable from photos; moderate confidence that major systems are serviceable but recommend on-site functional checks (HVAC run, hot water, electrical panel inspection)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Siding and painted brick foundation largely intact; multiple photos show consistent exterior condition. Porch and chimney are structurally standing but show ivy growth on chimney and vegetation against siding which can cause moisture/decay long-term. Some soffit/fascia deterioration and a boarded window indicate localized repairs needed. Front steps have cracking and lack a handrail. Yard is overgrown and needs grading/cleanup; no standing water or major drainage issues visible in photos. Exterior condition is serviceable but requires vegetation control, trim/soffit repair, and porch/stair safety upgrades."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent 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": [
"Broken/missing front stair handrail (safety violation, likely inspection fail until corrected)",
"Boarded rear window (security/egress concern and visible deficiency)",
"Ivy growth on chimney and vegetation against siding (moisture/structural risk if left unchecked)",
"Localized missing/deteriorated soffit/fascia (path for water/pests; needs repair)",
"No visible smoke/CO detectors in photos (life safety - possible inspection failure if absent)",
"Pre-1978 construction → presumptive lead-based paint risk (no active peeling shown but must be considered)"
],
"confidence": 0.7,
"assumptions": [
"Smoke and carbon monoxide detectors are not visible in the provided interior photos; assume they may be missing or not correctly placed and will need verification/installation.",
"Central HVAC condenser visible outside indicates a forced-air system; assume system is present but its operational status is unverified and should be functionally tested.",
"Water heater and hot water supply not shown; assume hot water exists but require confirmation on-site.",
"No visible active roof leaks or interior water stains in photos; assume roof is serviceable but soffit/fascia wear could indicate localized water intrusion risk that requires inspection.",
"Electrical panel is not photographed; exterior meter/conduit look intact and no exposed wiring is observed, but full electrical inspection is recommended to confirm safe/grounded circuits and GFCI presence in kitchen/bath.",
"Bedrooms likely have adequate egress windows based on window photos, but sizes/heights are unmeasured and require on-site verification for NSPIRE egress compliance.",
"Property was previously Section 8 approved per listing; I assume the seller's claim and recent rental history reflect past successful inspections, which reduces regulatory risk but does not replace a current inspection."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5401 Myron Massey Blvd, Fairfield, AL, 35064",
"aggregate": {
"summary": "Overall the house appears mostly updated inside and shows evidence of recent rental activity and Section 8 approval. Major systems are present (central AC, electrical service, stove). Primary concerns that could cause an NSPIRE inspection failure are: lack of visible smoke/CO detectors, missing/insufficient stair handrail(s), a boarded rear window, and exposed/missing fascia/soffit at the roof edges which raises roof/water-intrusion risk. These are fixable (some immediately, some requiring a contractor) and with targeted corrections the house is likely rent-ready within 2–4 weeks. Given the documented recent rental history and Section 8 approval, probability of passing an initial HCV inspection is reasonably good after addressing the safety items listed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates: painted walls, new-looking cabinets/countertops, functional stove and hood, and intact hardwood/vinyl flooring. Minor deferred maintenance visible: worn/dirty front concrete steps with cracking, porch capstone wear, some peeling paint and localized exterior trim rot. Missing refrigerator not observed in photos but stove is present — missing appliances would be a moderate, easily corrected issue. Overall mostly cosmetic and easy-to-fix items."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 61.7,
"rationale": "Siding is largely intact and recently painted; foundation is brick and painted. Several photos show missing/loose fascia and exposed rafter tails, which are deterioration points. Chimney brickwork shows cracking/mortar issues. Vegetation is overgrown near the foundation and could contribute to moisture/entry issues if not trimmed. One rear window appears boarded — potential broken window or security/egress issue. Front porch has guardrail but stair handrail is absent. No obvious standing water in photos but grading/drainage cannot be confirmed. Exterior condition is fair but needs targeted repairs and yard cleanup."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE compliance risk",
"score": 60.7,
"rationale": "Some NSPIRE risks visible or cannot be confirmed from photos: no smoke/CO detectors are visible in interior shots (could be present but not shown) — absence would cause an automatic fail. Front steps lack a continuous handrail and there is a small rear step with a partial rail — stair handrail/guardrail issues risk inspection failure. Windows appear adequate for light/ventilation but egress sizing cannot be fully confirmed. Electrical service and meter/panel visible and appear intact; no obvious exposed live wiring seen. Exterior soffit/rafters show missing fascia and exposed areas which raises risk of roof/water intrusion. Overall there are important compliance items that need verification/fixes before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Central AC condenser is present at the rear (HVAC present). Exterior electrical meter and conduit look intact and professionally installed. No open electrical hazards visible in photos. Roof shingles and flashings are not fully visible; eave/soffit damage and missing fascia at several locations increases risk of water intrusion and future roof problems and should be inspected. Water heater and mechanical labelling not shown; plumbing functionality (hot water, drains) is unverified from photos. Systems appear generally present and likely functional but require verification (roof edge/soffit repair recommended)."
}
],
"red_flags": [
"Missing/insufficient stair handrail at main front steps (unsafe stairs / code violation risk).",
"No visible smoke detectors or carbon monoxide detectors in interior photos — potential automatic NSPIRE fail if absent or improperly located.",
"Exposed/missing fascia and deteriorated soffit/rafters at roof edges — increases risk of water intrusion and future roof failure.",
"Boarded rear window (possible broken window) — security and egress issue.",
"Notable chimney/mortar deterioration on exterior brick stacks."
],
"confidence": 0.88,
"assumptions": [
"Photos represent the full interior and exterior conditions; unseen rooms (bathrooms, mechanical closet) are assumed serviceable unless otherwise noted.",
"Smoke and carbon monoxide detectors are not visible in the supplied interior photos; I assume they are absent or not reliably placed and should be verified/installed to meet NSPIRE.",
"Water heater and heating source are present and functional (central HVAC condenser observed), but operation of heating/hot water was not verified in photos.",
"Electrical panel is assumed accessible and in working order because the meter and exterior conduit appear properly installed; label and interior panel condition should be verified.",
"One rear window appears boarded in a photo — assumed broken or removed and will need repair to meet egress/security requirements.",
"Roof-cover condition beyond exposed eaves/soffit where visible cannot be fully assessed from photos; assume moderate aging and localized repairs required rather than full immediate replacement unless an inspection indicates otherwise.",
"Listing claim 'Section 8 Approved' and rental history entry are accurate and indicate prior successful inspections within the last 5 years."
],
"score_method": "mean_of_criteria",
"overall_score": 68.0,
"rubric_version": "nsPIRE-v1-photo-assessment-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8779325345"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.