Property ID: 8789154108
136 Winnetka Way, Birmingham, AL, 35215
Birmingham, AL
Money Down: $28,776
CoC Return: 10.13%
Monthly Cash Flow: $243
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
10.13%
Rent
$1,270
Monthly Cash Flow
$243
Annual Cash Flow
$2,915
Debt Service / Mo
$638
Property Tax / Mo
$175
Insurance / Mo
$87
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,270
Payment Standard
$1,738
Rent
$1,270
Insurance
$87
Property Tax
$175
Management
$127
Utilities Allowance
$468
NOI (Monthly)
$881
Debt Service
$638
Cash Flow After Debt
$243
Quality Score: 64.60%
Confidence: 81.00%
This 3BR/2BA single-family home appears broadly rent-ready with primarily cosmetic and service-level tasks required. The property shows no visible structural collapse or active water intrusion; it would likely pass an initial HCV/NSPIRE inspection after addressing a few predictable items: verify and install smoke/CO detectors, confirm HVAC and water heater operation, install/verify GFCI protection in required locations, replace or provide kitchen appliances (stove/fridge) if required by owner, repair/replace the bathroom vanity, deep-clean or replace carpeting, and trim vegetation against the foundation. Estimated time-to-rent after repairs: 1–4 weeks for cosmetic and safety items, 2–6 weeks if appliance/system servicing or replacements are needed.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$468
Guaranteed Section 8 Rent (PS - Utilities)
$1,270
Property Management
$127
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
2
Living Area
1,585 sqft
Lot Size
130,680 sqft
Year Built
1960
Days on Market
18
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$175
Insurance / Mo
$87
Property Description
Lots of space in this 3br, 2ba. Living room and dining room plus room to eat in kitchen, and large den with fireplace. 1c attached garage. Storage building/garage in backyard. Fenced backyard.
Utility Allowances
Heating
$38
Selected 'N'Gas: Spire' for a 3-bedroom unit, as property details indicate 'Natural Gas' heating. Spire is the primary gas utility for the area.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has 'Central Air', and Alabama Power is the primary electric provider.
Water Heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit, as property information specifies an 'Electric' water heater.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. Stove is visible in photos, and 'Electric' is assumed as no gas appliances are listed.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. Covers general electric use. Alabama Power is the assumed provider.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit, as the property has 'Public Water' and is located in Birmingham.
Sewer
$151
Selected the fixed sewer rate for a 3-bedroom unit, as the property is listed as 'Sewer: Connected'.
Trash Collection
$20
Selected 'Jefferson City (Once per week)' for a 3-bedroom unit as the most suitable general option for a property in Jefferson County where a specific municipal service is not listed.
Refrigerator
$8
Allowance for a tenant-owned refrigerator included, as one was not specified as provided in the property details.
Range/Microwave
$6
Allowance for tenant-owned range/microwave included, as these were not specified as provided in the property details.
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$883
DP3 Annual Estimate$1,205
DP1 Monthly Equivalent$74
DP3 Monthly Equivalent$100
Replacement Value$125,300
Basis1,585 sqft / 1960
Nearby Houses
Photo unavailable
200 Navajo Trl
sold · 0.05 mi
Price: $128,000
3 bd / 2 ba · 1,932 sqft
Latest sale: $128,000 on Jan 08, 2024
Latest rent: —
Photo unavailable
148 13th Ave NE
sold · 0.09 mi
Price: $128,500
3 bd / 2 ba · 1,826 sqft
Latest sale: $128,500 on Oct 20, 2021
Latest rent: —
Photo unavailable
108 Winnetka Way
sold · 0.11 mi
Price: $130,000
3 bd / 2 ba · 1,356 sqft
Latest sale: $130,000 on May 24, 2021
Latest rent: $1,365 on May 09, 2024
Photo unavailable
216 Navajo Trl
for_sale · 0.11 mi
Price: $125,000
3 bd / 2 ba · 1,311 sqft
Latest sale: $84,900 on Feb 23, 2018
Latest rent: —
Photo unavailable
105 Winnetka Way
sold · 0.12 mi
Price: $127,500
3 bd / 2 ba · 1,363 sqft
Latest sale: $127,500 on Jun 09, 2021
Latest rent: $925 on Aug 29, 2018
Photo unavailable
220 Navajo Trl
sold · 0.13 mi
Price: $114,000
3 bd / 2 ba · 1,139 sqft
Latest sale: $114,000 on May 25, 2021
Latest rent: $875 on Jul 30, 2019
Photo unavailable
1140 Rainbow Dr NE
sold · 0.13 mi
Price: $160,000
3 bd / 2 ba · 1,366 sqft
Latest sale: $160,000 on Aug 05, 2022
Latest rent: —
Photo unavailable
205 13th Ave NE
sold · 0.13 mi
Price: $107,000
3 bd / 2 ba · 1,348 sqft
Latest sale: $107,000 on Oct 01, 2024
Latest rent: $1,550 on Oct 30, 2024
Photo unavailable
1131 Kawanda Ln
sold · 0.14 mi
Price: $88,900
3 bd / 1 ba · 1,008 sqft
Latest sale: $88,900 on Dec 04, 2018
Latest rent: $885 on Dec 06, 2018
Photo unavailable
1127 Kawanda Ln
sold · 0.15 mi
Price: $100,000
3 bd / 2 ba · 1,399 sqft
Latest sale: $100,000 on Dec 17, 2024
Latest rent: —
Photo unavailable
1308 Hartford Dr
sold · 0.16 mi
Price: $169,000
3 bd / 3 ba · 1,848 sqft
Latest sale: $169,000 on Mar 29, 2023
Latest rent: —
Photo unavailable
1240 Hiawatha Dr Lots 12 & 11
sold · 0.18 mi
Price: $14,400
— bd / — ba
Latest sale: $14,400
Latest rent: —
Photo unavailable
1309 Hartford Dr
sold · 0.19 mi
Price: $159,900
3 bd / 2 ba · 2,326 sqft
Latest sale: $159,900 on Aug 29, 2025
Latest rent: $1,175 on Mar 03, 2023
Risk and Criteria Detail
Red Flags
- success
Assumptions
- No stove or refrigerator are visible in kitchen photos; assumed appliances are not present and would need to be provided or verified before tenancy.
- Central HVAC is assumed present because of visible floor vents and ceiling fans; operational status is unknown and requires testing.
- Smoke and carbon monoxide alarms are not visible in photos; assume none or unverified and that detectors will need verification/installation to meet NSPIRE.
- Electrical service and meter are present (visible outside); interior electrical panel condition assumed intact but not inspected from photos.
- Windows shown in bedrooms meet egress size but exact measurements not available; assumed acceptable based on window size in photos.
- No obvious roof leaks, structural sagging, major foundation movement, collapsed ceilings, or severe mold were observed in provided photos; assume none present but recommend on-site verification.
- Bathroom plumbing fixtures are present but functionality (hot water, drain, no leaks) is unverified and must be tested.
- The detached storage building near a large tree may have root-related issues in future; currently assumed usable but recommended to inspect slab and roof locally.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $2,038 | $140,600 | $28,120 |
| 2023 | $2,038 | $140,600 | $28,120 |
| 2022 | $1,783 | $123,000 | $24,600 |
| 2021 | $1,639 | $113,100 | $22,620 |
| 2020 | $1,532 | $105,700 | $21,140 |
| 2019 | $1,532 | $105,700 | $21,140 |
| 2018 | $1,373 | $94,700 | $18,940 |
| 2017 | $1,541 | $106,300 | $21,260 |
| 2016 | $1,541 | $106,300 | $21,260 |
| 2015 | $771 | $106,300 | $21,260 |
| 2013 | $1,153 | $99,000 | $9,900 |
| 2012 | $558 | $89,990 | $8,999 |
| 2011 | $672 | $106,300 | $10,630 |
| 2010 | $672 | $106,300 | $10,630 |
| 2009 | $672 | $106,300 | $10,630 |
| 2008 | $686 | $108,300 | $10,830 |
| 2007 | $676 | $107,000 | $10,700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2015-04-15 | Sold | $50,500 |
| 2014-10-17 | Sold | $76,796 |
| 2013-09-30 | Sold | $92,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2021-12-08 | Listed for rent | $1,050 | — |
| 2020-10-26 | Listed for rent | $975 | — |
| 2015-04-10 | Listed for rent | $900 | — |
Photo Gallery
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"listing_id": "608322847",
"last_update_date": "2016-08-27T01:14:08Z",
"last_status_change_date": "2016-05-21T14:05:31Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.5776636713735558,
"source_name": "AppfolioUnits",
"price_change": 900,
"days_after_listed": null,
"source_listing_id": "2265614",
"price_change_percentage": null
},
{
"date": "2016-04-15",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 900,
"listing_id": "608322847",
"last_update_date": "2016-08-27T01:14:08Z",
"last_status_change_date": "2016-05-21T14:05:31Z"
},
"event_name": "Listed for rent",
"price_sqft": 0,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2265614",
"price_change_percentage": null
},
{
"date": "2015-06-15",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2014-11-02T07:00:00Z",
"list_price": 49900,
"listing_id": "591142047",
"last_update_date": "2015-08-04T20:52:00Z",
"last_status_change_date": "2015-04-15T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "613851",
"price_change_percentage": null
},
{
"date": "2015-04-17",
"price": 50900,
"listing": null,
"event_name": "Sold",
"price_sqft": 32.11356466876972,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "+2.00%"
},
{
"date": "2015-01-07",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2014-11-02T07:00:00Z",
"list_price": 49900,
"listing_id": "591142047",
"last_update_date": "2015-08-04T20:52:00Z",
"last_status_change_date": "2015-04-15T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "613851",
"price_change_percentage": null
},
{
"date": "2014-12-23",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2014-11-02T07:00:00Z",
"list_price": 49900,
"listing_id": "591142047",
"last_update_date": "2015-08-04T20:52:00Z",
"last_status_change_date": "2015-04-15T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "51 days",
"source_listing_id": "613851",
"price_change_percentage": null
},
{
"date": "2014-11-02",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2014-11-02T07:00:00Z",
"list_price": 49900,
"listing_id": "591142047",
"last_update_date": "2015-08-04T20:52:00Z",
"last_status_change_date": "2015-04-15T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "613851",
"price_change_percentage": "-53.32%"
},
{
"date": "2013-10-04",
"price": 106900,
"listing": {
"status": "sold",
"list_date": "2013-06-15T07:00:00Z",
"list_price": 106900,
"listing_id": "569860299",
"last_update_date": "2013-09-04T03:52:52Z",
"last_status_change_date": "2013-06-15T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "111 days",
"source_listing_id": "566998",
"price_change_percentage": "$0"
},
{
"date": "2013-06-15",
"price": 106900,
"listing": {
"status": "sold",
"list_date": "2013-06-15T07:00:00Z",
"list_price": 106900,
"listing_id": "569860299",
"last_update_date": "2013-09-04T03:52:52Z",
"last_status_change_date": "2013-06-15T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "566998",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8789154108",
"generated_at": "2026-02-16T03:01:47.125791Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.6
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/c4260bccb320551300fa09b94b0ee898l-m1826000228s-w1280.jpg",
"rent_price": 1270.0,
"loan_amount": 95920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/136-Winnetka-Way_Birmingham_AL_35215_M87891-54108",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 119900.0,
"loan_term_years": 30,
"annual_cash_flow": 10572.86,
"mortgage_monthly": 638.16,
"payment_standard": 1738.0,
"total_amount_out": 23980.0,
"additional_photos": [
"https://ap.rdcpix.com/c4260bccb320551300fa09b94b0ee898l-m3745724651s-w1280.jpg",
"https://ap.rdcpix.com/c4260bccb320551300fa09b94b0ee898l-m3095944130s-w1280.jpg",
"https://ap.rdcpix.com/c4260bccb320551300fa09b94b0ee898l-m4240396421s-w1280.jpg",
"https://ap.rdcpix.com/c4260bccb320551300fa09b94b0ee898l-m350851752s-w1280.jpg",
"https://ap.rdcpix.com/c4260bccb320551300fa09b94b0ee898l-m551331313s-w1280.jpg",
"https://ap.rdcpix.com/c4260bccb320551300fa09b94b0ee898l-m1972157452s-w1280.jpg",
"https://ap.rdcpix.com/c4260bccb320551300fa09b94b0ee898l-m3663882581s-w1280.jpg",
"https://ap.rdcpix.com/c4260bccb320551300fa09b94b0ee898l-m2925690626s-w1280.jpg",
"https://ap.rdcpix.com/c4260bccb320551300fa09b94b0ee898l-m2370207093s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 87.0,
"monthly_cash_flow": 881.07,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'N'Gas: Spire' for a 3-bedroom unit, as property details indicate 'Natural Gas' heating. Spire is the primary gas utility for the area.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has 'Central Air', and Alabama Power is the primary electric provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit, as property information specifies an 'Electric' water heater.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Stove is visible in photos, and 'Electric' is assumed as no gas appliances are listed.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. Covers general electric use. Alabama Power is the assumed provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit, as the property has 'Public Water' and is located in Birmingham.",
"utility": "Water",
"allowance": 78
},
{
"note": "Selected the fixed sewer rate for a 3-bedroom unit, as the property is listed as 'Sewer: Connected'.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Jefferson City (Once per week)' for a 3-bedroom unit as the most suitable general option for a property in Jefferson County where a specific municipal service is not listed.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "Allowance for a tenant-owned refrigerator included, as one was not specified as provided in the property details.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Allowance for tenant-owned range/microwave included, as these were not specified as provided in the property details.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.44,
"down_payment_amount": 23980.0,
"property_tax_annual": 2099.14,
"property_tax_monthly": 174.93,
"property_tax_increase": 0.03,
"utility_allowance_total": 468.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2914.96,
"property_management_monthly": 127.0,
"monthly_cash_flow_after_debt": 242.91,
"cash_on_cash_return_after_debt": 0.12
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/2BA single-family home appears broadly rent-ready with primarily cosmetic and service-level tasks required. The property shows no visible structural collapse or active water intrusion; it would likely pass an initial HCV/NSPIRE inspection after addressing a few predictable items: verify and install smoke/CO detectors, confirm HVAC and water heater operation, install/verify GFCI protection in required locations, replace or provide kitchen appliances (stove/fridge) if required by owner, repair/replace the bathroom vanity, deep-clean or replace carpeting, and trim vegetation against the foundation. Estimated time-to-rent after repairs: 1–4 weeks for cosmetic and safety items, 2–6 weeks if appliance/system servicing or replacements are needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows generally intact finishes but clear deferred cosmetic maintenance: worn/soiled carpeting throughout, scuffed walls, an aged/damaged bathroom vanity, and no visible kitchen range or refrigerator in photos (kitchen has hood and cutout). Cabinets appear serviceable. Light fixtures are present but dated. These are mostly cosmetic/replaceable items and missing appliances reduce readiness moderately but do not indicate structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life-threatening hazards visible: no collapsed ceilings, no standing water, no exposed major wiring in photos. Bedroom windows appear a reasonable size for egress. However smoke detectors and CO alarms are not visible in photos (unknown), GFCI locations not verifiable, and exterior entry deadbolt presence not confirmed. Fireplace is intact but functionality/clearance not verified. These unknowns create moderate NSPIRE risk that requires quick verification/installation of detectors and GFCI outlets."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Floor vents and ceiling fan indicate a central HVAC system likely present but its operational status is unconfirmed. Exterior photos show a metal roof in place that appears straight and intact from available angles. Electrical meter/panel is visible exteriorly, but interior panel condition not shown. Water heater not pictured and plumbing fixtures (bathroom, kitchen sink) appear present but their function unknown. Given the home's 1960 vintage, systems likely functional but need testing and possible servicing—moderate system risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior shows brick-and-siding envelope in generally sound condition, an attached 1-car garage and separate storage building in backyard, and a fenced yard—positive for tenant use. Yard is somewhat overgrown and shrubs are against the foundation (needs trimming). A large tree near the outbuilding has exposed roots close to the slab which could present future site issues but no active collapse or major drainage/ponding observed in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (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": [
"No stove or refrigerator are visible in kitchen photos; assumed appliances are not present and would need to be provided or verified before tenancy.",
"Central HVAC is assumed present because of visible floor vents and ceiling fans; operational status is unknown and requires testing.",
"Smoke and carbon monoxide alarms are not visible in photos; assume none or unverified and that detectors will need verification/installation to meet NSPIRE.",
"Electrical service and meter are present (visible outside); interior electrical panel condition assumed intact but not inspected from photos.",
"Windows shown in bedrooms meet egress size but exact measurements not available; assumed acceptable based on window size in photos.",
"No obvious roof leaks, structural sagging, major foundation movement, collapsed ceilings, or severe mold were observed in provided photos; assume none present but recommend on-site verification.",
"Bathroom plumbing fixtures are present but functionality (hot water, drain, no leaks) is unverified and must be tested.",
"The detached storage building near a large tree may have root-related issues in future; currently assumed usable but recommended to inspect slab and roof locally."
],
"overall_score": 72.0,
"rubric_version": "NSPIRE_v1_2026-02-16"
},
{
"summary": "This single-family property appears to be generally structurally sound and is likely rentable after minor-to-moderate repairs and verification of mechanical systems. Visible issues that will need addressing before a Housing Choice Voucher/NSPIRE inspection: install/verify smoke and CO alarms in required locations, verify and service HVAC and water heating systems, confirm electrical safety (GFCI in kitchen/bath, secure outlet covers, check panel), investigate and repair the ceiling stain (possible roof/water leak), replace or repair the bathroom vanity, clean/replace carpeting or install new flooring, and install/confirm deadbolt on entry door. With those items completed and systems verified operational, the home should be able to pass an initial HCV inspection; current condition suggests likely rent-ready within 2–6 weeks depending on responsiveness of mechanical repairs and alarm installations.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 65.0,
"rationale": "Interior shows generally intact finishes but moderate deferred maintenance: worn/stained carpeting throughout, scuffed/marked walls, broken/damaged bathroom vanity, and minor wall damage where fixtures were removed. Kitchen has built-in cabinets and hood but no visible stove or refrigerator in photos (appliances likely missing). Ceiling in living/dining area shows a darker stain that suggests past or intermittent water intrusion and will need investigation/repair. These are mostly cosmetic or moderate repair items; none of the photos show collapsed finishes or exposed structural members. Expected work: replace/clean carpets or install hard flooring, replace vanity, install missing appliances, patch/paint walls, investigate and repair ceiling stain."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not visible or not documented in photos: smoke detectors and carbon monoxide alarm(s) are not seen (required), deadbolt presence on main entry not visible, and GFCI outlets in kitchen/bath are not identifiable. Bedroom egress appears likely adequate (windows present) but dimensions cannot be confirmed. No exposed wiring or obvious electrical hazards are visible. Fireplace is present and will require confirmation of an intact flue/damper and safety screen. Bathroom and kitchen fixtures exist and there is no visible active mold, but the ceiling stain suggests potential water intrusion that could present safety/health risk if active. Overall moderate risk: several mandatory items (smoke/CO alarms, GFCIs, deadbolt) likely need to be installed or verified before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 60.0,
"rationale": "Major systems are not directly shown but some indicators are present: floor/ceiling vents are visible in rooms which implies central HVAC and forced-air distribution, but no HVAC exterior unit or furnace/water heater is shown — operability must be confirmed. Roof appears to be metal and generally intact in photos; chimney/flue present for fireplace. Plumbing fixtures (sink, tub, toilet) are present but vanity/base condition is poor. Electrical panel is not visible. Because systems are inferred rather than proven operational, assign a moderate score — likely functional but requiring verification, service, and possibly minor repairs or replacement parts (hot water, HVAC servicing, electrical GFCI/cover checks)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior envelope appears generally sound: brick front and painted siding show no visible major deterioration; a metal roof appears intact with no obvious large areas of missing roofing. Foundation is raised with vents and no visible major cracking or sagging in photos. Yard is overgrown/needs cleanup and shrubs at front are overgrown against the house. There is a detached storage building/garage in the backyard that appears standing but aged. Driveway and attached garage appear serviceable. Site work required: landscape cleanup, trim/remove overgrown shrubs, inspect shed/garage door and driveway for functional issues. No clear evidence of major exterior structural failure in provided images."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Possible active or prior roof/ceiling leak (visible ceiling stain) — requires investigation and repair.",
"No visible smoke detectors or carbon monoxide alarms in photos — fails basic NSPIRE safety requirements if absent.",
"Missing/unknown status of HVAC and hot water systems (operability unconfirmed) — must be verified before inspection.",
"Damaged bathroom vanity and general interior wear that could hide plumbing issues if left unaddressed."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present (floor vents visible) but operability and age are unknown; no exterior HVAC unit photo provided.",
"No smoke detectors or CO alarms are visible in photos; assume they are not installed or not in required locations.",
"Appliances (stove, refrigerator) are not visible in photos and are assumed missing or not guaranteed to be present.",
"No electrical panel, water heater, or furnace photos supplied; assume these are present inside the structure but require verification and testing.",
"Bedroom egress windows appear present but sizes and compliance with egress dimensions are not confirmed from photos.",
"Ceiling stain in living/dining area indicates prior or active leak; assume at minimum repair and investigation required.",
"No evidence of major foundation movement, structural sagging, collapsed ceilings, or active standing water was visible in provided photos."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/2BA single-family home appears structurally intact and would likely pass a Housing Choice Voucher initial inspection after modest, straightforward work. Primary deficiencies from the photos are missing/absent safety devices (smoke/CO detectors), likely missing GFCI protection at kitchen/bath outlets, cosmetic wear (carpet, vanity), and missing kitchen appliances. Major building systems appear present (floor vents for HVAC, intact roof and foundation) but were not fully documented in the photos and should be verified. With installation of required detectors/GFCIs, replacement or verification of stove/refrigerator, minor cosmetic repairs, and a systems check (HVAC, water heater, electrical panel), the property could be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 68.0,
"rationale": "Interior shows moderate cosmetic wear: stained/aged carpet throughout, scuffed baseboards, dated light fixtures, and a bathroom vanity with visible damage. Kitchen cabinets and counters largely intact but appliance(s) appear to be removed (no visible stove or refrigerator) and one lower cabinet area looks open/missing. Fireplace and built-ins are intact but would benefit from cleaning/maintenance. These are mostly minor-to-moderate, fixable items that would typically be completed within 2–4 weeks."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the provided interior photos (required). GFCI outlets are not evident in the kitchen or bathroom photos; older properties commonly lack them. Windows appear adequate for bedroom egress. No exposed wiring or obvious electrical panel hazards are visible. The fireplace/chimney will likely need verification of safe operation. No evidence of active roof leaks, collapsed ceilings, or major tripping hazards were observed. Overall this creates moderate inspection risk until alarms and GFCI protections are confirmed/installed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Floor vents are visible which suggests central HVAC; no exterior HVAC unit or water heater photos were provided to confirm condition. Roof appears intact from the limited exterior photos (one image shows a metal or recently replaced-looking roof section), and the chimney looks serviceable. Plumbing fixtures (sinks, tub) are present; condition of hot water heater, main electrical panel and furnace/AC cannot be confirmed from photos. Given visible vents and intact fixtures, systems are likely operational but require verification and possible servicing."
},
{
"key": "exterior_site",
"label": "Exterior envelope, lot, outbuildings",
"score": 75.0,
"rationale": "Brick-and-siding exterior looks generally intact with no visible foundation settlement or major siding failure. Yard is overgrown but manageable, fenced backyard present, and a separate storage building/garage exists and appears structurally standing. Driveway/garage and walkways look serviceable. Some shrubbery near the foundation should be trimmed. No standing water or obvious exterior structural damage was seen in photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (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 or carbon monoxide alarms in interior photos (inspection fail risk).",
"No visible GFCI outlets in kitchen or bathroom photos (inspection/code risk).",
"Kitchen appliances (stove and refrigerator) appear to be missing from photos and would need to be provided or installed prior to tenancy."
],
"confidence": 0.62,
"assumptions": [
"Central forced-air HVAC is present and operational (floor vents visible) though the exterior condensing unit and furnace were not photographed.",
"No active roof leaks or major roof failure are present; roof shows intact covering in provided images.",
"Smoke detectors and carbon monoxide alarms are not present or not visible in photos and will need installation/verification to meet NSPIRE requirements.",
"Kitchen appears to be missing a stove and refrigerator in the photos; appliances are assumed not included unless otherwise provided.",
"GFCI receptacles are not evident in kitchen or bathroom photos and are assumed to be absent until verified.",
"Electrical panel, water heater, and other concealed systems are assumed intact but unverified due to lack of photos; their condition may affect final inspection outcome.",
"No evidence of severe mold, major foundation movement, collapsed ceilings, or standing water was observed in the provided photos."
],
"overall_score": 69.0,
"rubric_version": "nsPIRE-analyst-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "136 Winnetka Way, Birmingham, AL, 35215",
"aggregate": {
"summary": "This 3BR/2BA single-family home appears broadly rent-ready with primarily cosmetic and service-level tasks required. The property shows no visible structural collapse or active water intrusion; it would likely pass an initial HCV/NSPIRE inspection after addressing a few predictable items: verify and install smoke/CO detectors, confirm HVAC and water heater operation, install/verify GFCI protection in required locations, replace or provide kitchen appliances (stove/fridge) if required by owner, repair/replace the bathroom vanity, deep-clean or replace carpeting, and trim vegetation against the foundation. Estimated time-to-rent after repairs: 1–4 weeks for cosmetic and safety items, 2–6 weeks if appliance/system servicing or replacements are needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 67.7,
"rationale": "Interior shows generally intact finishes but clear deferred cosmetic maintenance: worn/soiled carpeting throughout, scuffed walls, an aged/damaged bathroom vanity, and no visible kitchen range or refrigerator in photos (kitchen has hood and cutout). Cabinets appear serviceable. Light fixtures are present but dated. These are mostly cosmetic/replaceable items and missing appliances reduce readiness moderately but do not indicate structural failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior shows brick-and-siding envelope in generally sound condition, an attached 1-car garage and separate storage building in backyard, and a fenced yard—positive for tenant use. Yard is somewhat overgrown and shrubs are against the foundation (needs trimming). A large tree near the outbuilding has exposed roots close to the slab which could present future site issues but no active collapse or major drainage/ponding observed in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 58.3,
"rationale": "No obvious life-threatening hazards visible: no collapsed ceilings, no standing water, no exposed major wiring in photos. Bedroom windows appear a reasonable size for egress. However smoke detectors and CO alarms are not visible in photos (unknown), GFCI locations not verifiable, and exterior entry deadbolt presence not confirmed. Fireplace is intact but functionality/clearance not verified. These unknowns create moderate NSPIRE risk that requires quick verification/installation of detectors and GFCI outlets."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Floor vents and ceiling fan indicate a central HVAC system likely present but its operational status is unconfirmed. Exterior photos show a metal roof in place that appears straight and intact from available angles. Electrical meter/panel is visible exteriorly, but interior panel condition not shown. Water heater not pictured and plumbing fixtures (bathroom, kitchen sink) appear present but their function unknown. Given the home's 1960 vintage, systems likely functional but need testing and possible servicing—moderate system risk."
}
],
"red_flags": [],
"confidence": 0.81,
"assumptions": [
"No stove or refrigerator are visible in kitchen photos; assumed appliances are not present and would need to be provided or verified before tenancy.",
"Central HVAC is assumed present because of visible floor vents and ceiling fans; operational status is unknown and requires testing.",
"Smoke and carbon monoxide alarms are not visible in photos; assume none or unverified and that detectors will need verification/installation to meet NSPIRE.",
"Electrical service and meter are present (visible outside); interior electrical panel condition assumed intact but not inspected from photos.",
"Windows shown in bedrooms meet egress size but exact measurements not available; assumed acceptable based on window size in photos.",
"No obvious roof leaks, structural sagging, major foundation movement, collapsed ceilings, or severe mold were observed in provided photos; assume none present but recommend on-site verification.",
"Bathroom plumbing fixtures are present but functionality (hot water, drain, no leaks) is unverified and must be tested.",
"The detached storage building near a large tree may have root-related issues in future; currently assumed usable but recommended to inspect slab and roof locally."
],
"score_method": "mean_of_criteria",
"overall_score": 64.6,
"rubric_version": "NSPIRE_v1_2026-02-16",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8789154108"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.