Property ID: 8800630245
532 Gelpi Ave, Jefferson, LA, 70121
Jefferson, LA
Money Down: $52,800
CoC Return: 3.27%
Monthly Cash Flow: $144
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$44,000
Closing Costs
$8,800
Total Down
$52,800
Investment Snapshot
Purchase Price
$220,000
Money Down
$52,800
Cash-on-Cash Return
3.27%
Rent
$1,696
Monthly Cash Flow
$144
Annual Cash Flow
$1,728
Debt Service / Mo
$1,171
Property Tax / Mo
$128
Insurance / Mo
$83
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$83
Property Tax
$128
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,315
Debt Service
$1,171
Cash Flow After Debt
$144
Quality Score: 71.00%
Confidence: 89.00%
This 3-bed/1-bath single-family shows substantial cosmetic updates and a renovated bath and kitchen, making it close to rent-ready. Exterior, roof and finishes look good. Moderate inspection risks include missing kitchen appliances, uncertain detector coverage (only one smoke detector visible), and no visible permanent heating system (window AC present). These issues are fixable but will likely require a short set of repairs (install missing appliances, confirm/upgrade smoke/CO detectors and handrail, verify/install a compliant heating source) before passing an HCV/NSPIRE initial inspection.
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
$220,000
Beds
3
Baths
1
Living Area
1,066 sqft
Lot Size
—
Year Built
1955
Days on Market
26
Capital Outlay
$52,800
Debt Service
$1,171
Property Tax / Mo
$128
Insurance / Mo
$83
Property Description
Located in the heart of Old Jefferson, this charming 3-bedroom, 1-bath home offers updated features throughout, including a newer kitchen with modern cabinetry and backsplash, fresh flooring, and a beautifully renovated bath. Bright, airy living spaces and a spacious backyard provide plenty of potential for outdoor enjoyment. With just a few repairs needed, this home is a great opportunity to customize and build equity in a desirable, convenient to shopping, dining, and major routes. This is a succession property being sold as is.
Utility Allowances
heating
$70
Property has Natural Gas service. The most common heating for a single-family home with gas service is a natural gas furnace.
cooking
$12
Property has Natural Gas service available. A stove is not listed as included, so the tenant is assumed to provide their own and pay for its usage.
water_heating
$24
Natural gas is available at the property, making it the most likely and economical fuel for water heating.
other_electric
$67
This is a standard allowance for lights, outlets, and miscellaneous electric use, including the specified window unit AC.
water
$43
The property listing explicitly states 'Water Source: Public', corresponding to this allowance.
sewer
$46
The property listing explicitly states 'Sewer: City', aligning with this public utility.
trash_collection
$25
Standard municipal service for a single-family residence, inferred as a tenant-paid utility.
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$997
DP3 Annual Estimate$997
DP1 Monthly Equivalent$83
DP3 Monthly Equivalent$83
Replacement Value$87,400
Basis1,066 sqft / 1955
Nearby Houses
Photo unavailable
526 Gelpi Ave
for_sale · 0.03 mi
Price: $315,000
3 bd / 2 ba · 1,296 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3822 Leila Pl
for_sale · 0.11 mi
Price: $345,000
3 bd / 2 ba · 1,383 sqft
Latest sale: —
Latest rent: —
Photo unavailable
537 Jefferson St
for_sale · 0.12 mi
Price: $315,000
4 bd / 2 ba · 1,429 sqft
Latest sale: —
Latest rent: —
Photo unavailable
607 Terrace St
for_sale · 0.12 mi
Price: $214,000
2 bd / 1 ba · 798 sqft
Latest sale: —
Latest rent: —
Photo unavailable
536 Honore Dr
off_market · 0.13 mi
Price: $318,000
3 bd / 2 ba · 1,759 sqft
Latest sale: —
Latest rent: —
Photo unavailable
546 Julius Ave
off_market · 0.13 mi
Price: $294,000
3 bd / 2 ba · 1,790 sqft
Latest sale: —
Latest rent: —
Photo unavailable
564 Tucker Ave
sold · 0.16 mi
Price: $275,000
3 bd / 2 ba · 1,300 sqft
Latest sale: —
Latest rent: —
Photo unavailable
680 Jefferson St
off_market · 0.18 mi
Price: $235,000
3 bd / 2 ba · 1,110 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible heating system (no furnace or central HVAC evident in photos) — potential NSPIRE failure unless a compliant heating source is verified.
- Potential inadequate smoke/CO detector coverage (only one smoke detector visible) — may fail if detectors are not present in required locations.
Assumptions
- Photos represent the full interior and exterior condition; no additional hidden structural damage is present beyond what is visible.
- Kitchen currently lacks a range and refrigerator (cut-out for range visible and no appliances shown) and appliances would need to be provided or verified.
- Window AC unit(s) are present for cooling; no central HVAC/furnace or visible heating source was observed in photos.
- Water heater is present on-site or functional (tall cylinder visible near rear in exterior photo), and hot water is available though not directly verified.
- Electrical panel location and overall electrical condition are assumed serviceable because outlets and fixtures in photos appear intact; no obvious exposed live wiring was observed.
- Only one smoke detector was visible in photos; it is assumed additional detectors and CO alarms may be missing or not shown and should be verified/installed per code/NSPIRE.
- Front porch stairs may lack a continuous handrail; this is assumed to be a minor code issue requiring simple repair.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,496 | $118,600 | $11,860 |
| 2024 | $1,494 | $118,600 | $11,860 |
| 2023 | $1,410 | $107,200 | $10,720 |
| 2022 | $1,373 | $107,200 | $10,720 |
| 2021 | $1,275 | $107,200 | $10,720 |
| 2020 | $1,266 | $107,200 | $10,720 |
| 2019 | $1,301 | $107,200 | $10,720 |
| 2018 | $1,215 | $107,200 | $10,720 |
| 2017 | $1,215 | $107,200 | $10,720 |
| 2016 | $1,192 | $107,200 | $10,720 |
| 2015 | $1,185 | $104,100 | $10,410 |
| 2014 | $1,170 | $104,100 | $10,410 |
| 2013 | $1,170 | $104,100 | $10,410 |
| 2012 | $1,170 | $104,100 | $10,410 |
| 2011 | $1,072 | $101,900 | $10,190 |
| 2010 | $1,046 | $101,900 | $10,190 |
| 2009 | $1,046 | $101,900 | $10,190 |
| 2008 | $1,035 | — | $10,190 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-13 | Listed | $220,000 |
Photo Gallery
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"land": 3120,
"total": 11860,
"building": 8740
}
},
{
"tax": 1410,
"year": 2023,
"market": {
"land": 31200,
"total": 107200,
"building": 76000
},
"assessment": {
"land": 3120,
"total": 10720,
"building": 7600
}
},
{
"tax": 1373,
"year": 2022,
"market": {
"land": 31200,
"total": 107200,
"building": 76000
},
"assessment": {
"land": 3120,
"total": 10720,
"building": 7600
}
},
{
"tax": 1275,
"year": 2021,
"market": {
"land": 31200,
"total": 107200,
"building": 76000
},
"assessment": {
"land": 3120,
"total": 10720,
"building": 7600
}
},
{
"tax": 1266,
"year": 2020,
"market": {
"land": 31200,
"total": 107200,
"building": 76000
},
"assessment": {
"land": 3120,
"total": 10720,
"building": 7600
}
},
{
"tax": 1301,
"year": 2019,
"market": {
"land": 28600,
"total": 107200,
"building": 78600
},
"assessment": {
"land": 2860,
"total": 10720,
"building": 7860
}
},
{
"tax": 1215,
"year": 2018,
"market": {
"land": 28600,
"total": 107200,
"building": 78600
},
"assessment": {
"land": 2860,
"total": 10720,
"building": 7860
}
},
{
"tax": 1215,
"year": 2017,
"market": {
"land": 28600,
"total": 107200,
"building": 78600
},
"assessment": {
"land": 2860,
"total": 10720,
"building": 7860
}
},
{
"tax": 1192,
"year": 2016,
"market": {
"land": 28600,
"total": 107200,
"building": 78600
},
"assessment": {
"land": 2860,
"total": 10720,
"building": 7860
}
},
{
"tax": 1185,
"year": 2015,
"market": {
"land": 28600,
"total": 104100,
"building": 75500
},
"assessment": {
"land": 2860,
"total": 10410,
"building": 7550
}
},
{
"tax": 1170,
"year": 2014,
"market": {
"land": 28600,
"total": 104100,
"building": 75500
},
"assessment": {
"land": 2860,
"total": 10410,
"building": 7550
}
},
{
"tax": 1170,
"year": 2013,
"market": {
"land": 28600,
"total": 104100,
"building": 75500
},
"assessment": {
"land": 2860,
"total": 10410,
"building": 7550
}
},
{
"tax": 1170,
"year": 2012,
"market": {
"land": 28600,
"total": 104100,
"building": 75500
},
"assessment": {
"land": 2860,
"total": 10410,
"building": 7550
}
},
{
"tax": 1072,
"year": 2011,
"market": {
"land": 28600,
"total": 101900,
"building": 73300
},
"assessment": {
"land": 2860,
"total": 10190,
"building": 7330
}
},
{
"tax": 1046,
"year": 2010,
"market": {
"land": 28600,
"total": 101900,
"building": 73300
},
"assessment": {
"land": 2860,
"total": 10190,
"building": 7330
}
},
{
"tax": 1046,
"year": 2009,
"market": {
"land": 28600,
"total": 101900,
"building": 73300
},
"assessment": {
"land": 2860,
"total": 10190,
"building": 7330
}
},
{
"tax": 1035,
"year": 2008,
"market": null,
"assessment": {
"land": null,
"total": 10190,
"building": null
}
}
],
"property_history": [
{
"date": "2026-03-13",
"price": 220000,
"listing": {
"status": "for_sale",
"list_date": "2026-03-13T23:05:15Z",
"list_price": 220000,
"listing_id": "2992529227",
"last_update_date": "2026-03-25T21:30:13Z",
"last_status_change_date": "2026-03-13T23:05:15Z"
},
"event_name": "Listed",
"price_sqft": 206.37898686679173,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2547584",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": null,
"permit_effective_date": "Jul 20, 2023",
"permit_project_type_1": "Residential",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8800630245",
"generated_at": "2026-03-27T02:59:08.543529Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 71.0
},
"utility_allowance": {
"zip_code": "70121",
"home_photo": "https://ap.rdcpix.com/c977d43a6402da3b1447f31d45106b1cl-m1406017339s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 176000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/532-Gelpi-Ave_Jefferson_LA_70121_M88006-30245",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 220000.0,
"loan_term_years": 30,
"annual_cash_flow": 15778.92,
"mortgage_monthly": 1170.93,
"payment_standard": 1983.0,
"total_amount_out": 44000.0,
"additional_photos": [
"https://ap.rdcpix.com/c977d43a6402da3b1447f31d45106b1cl-m3141525057s-w1280.jpg",
"https://ap.rdcpix.com/c977d43a6402da3b1447f31d45106b1cl-m1689431554s-w1280.jpg",
"https://ap.rdcpix.com/c977d43a6402da3b1447f31d45106b1cl-m3280305172s-w1280.jpg",
"https://ap.rdcpix.com/c977d43a6402da3b1447f31d45106b1cl-m3735504747s-w1280.jpg",
"https://ap.rdcpix.com/c977d43a6402da3b1447f31d45106b1cl-m284502012s-w1280.jpg",
"https://ap.rdcpix.com/c977d43a6402da3b1447f31d45106b1cl-m3207052708s-w1280.jpg",
"https://ap.rdcpix.com/c977d43a6402da3b1447f31d45106b1cl-m2026535124s-w1280.jpg",
"https://ap.rdcpix.com/c977d43a6402da3b1447f31d45106b1cl-m2460147082s-w1280.jpg",
"https://ap.rdcpix.com/c977d43a6402da3b1447f31d45106b1cl-m3353271481s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 83.08,
"monthly_cash_flow": 1314.91,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has Natural Gas service. The most common heating for a single-family home with gas service is a natural gas furnace.",
"utility": "heating",
"allowance": 70
},
{
"note": "Property has Natural Gas service available. A stove is not listed as included, so the tenant is assumed to provide their own and pay for its usage.",
"utility": "cooking",
"allowance": 12
},
{
"note": "Natural gas is available at the property, making it the most likely and economical fuel for water heating.",
"utility": "water_heating",
"allowance": 24
},
{
"note": "This is a standard allowance for lights, outlets, and miscellaneous electric use, including the specified window unit AC.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "The property listing explicitly states 'Water Source: Public', corresponding to this allowance.",
"utility": "water",
"allowance": 43
},
{
"note": "The property listing explicitly states 'Sewer: City', aligning with this public utility.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Standard municipal service for a single-family residence, inferred as a tenant-paid utility.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.36,
"down_payment_amount": 44000.0,
"property_tax_annual": 1540.88,
"property_tax_monthly": 128.41,
"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": 1727.73,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": 143.98,
"cash_on_cash_return_after_debt": 0.04
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed/1-bath single-family shows substantial cosmetic updates and a renovated bath and kitchen, making it close to rent-ready. Exterior, roof and finishes look good. Moderate inspection risks include missing kitchen appliances, uncertain detector coverage (only one smoke detector visible), and no visible permanent heating system (window AC present). These issues are fixable but will likely require a short set of repairs (install missing appliances, confirm/upgrade smoke/CO detectors and handrail, verify/install a compliant heating source) before passing an HCV/NSPIRE initial inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears recently updated: new-looking LVP flooring, renovated bathroom, modern cabinets and backsplash. Cosmetic wear only (front porch paint on steps, small trim scuffs). Kitchen has no visible range or refrigerator in photos (range cut-out present) — missing appliances reduce readiness moderately but are not structural. Some areas (rear room) show exposed laundry hookups and unfinished appearance but no active damage. Overall mostly cosmetic/turnkey with a few moderate fix items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "One smoke detector visible in living area ceiling; no CO alarm visible in photos and no detectors visible in bedrooms or hallway — risk for NSPIRE requirement of appropriately located detectors. Entry has a metal security door that appears to lock. Bedrooms have windows providing egress. No visible exposed electrical wiring and outlet covers are present. Front step has decorative porch posts but steps lack a continuous handrail (possible minor code issue). No visible evidence of active leaks, mold, or severe paint failure. Because heating system is not visible (no furnace or central registers shown) and detector coverage is uncertain, safety score is lowered."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Roof shingles appear in good condition (recent-looking). Plumbing fixtures and water heater access are not clearly shown but bathroom renovation indicates functional plumbing. No central HVAC equipment is visible in photos; window AC is present in a bedroom which suggests cooling but no visible permanent heating system or central air handler — this is a systems risk for inspections. Electrical panel is not shown; visible outlets and fixtures appear intact. Laundry plumbing and dryer vent are present but appliances are missing. Overall systems appear serviceable but HVAC/heating uncertainty reduces score."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 85.0,
"rationale": "Siding and exterior paint appear intact, yard is maintained, concrete walk and driveway are in good condition, fence and backyard look serviceable, and no standing water or obvious drainage issues are visible. Crawlspace vents visible and foundation appears supported on piers with no visible major cracks or sagging. Small storage shed present. Overall low exterior risk."
}
],
"red_flags": [
"No visible heating system (no furnace or central HVAC evident in photos) — potential NSPIRE failure unless a compliant heating source is verified.",
"Potential inadequate smoke/CO detector coverage (only one smoke detector visible) — may fail if detectors are not present in required locations."
],
"confidence": 0.75,
"assumptions": [
"Photos represent the full interior and exterior condition; no additional hidden structural damage is present beyond what is visible.",
"Kitchen currently lacks a range and refrigerator (cut-out for range visible and no appliances shown) and appliances would need to be provided or verified.",
"Window AC unit(s) are present for cooling; no central HVAC/furnace or visible heating source was observed in photos.",
"Water heater is present on-site or functional (tall cylinder visible near rear in exterior photo), and hot water is available though not directly verified.",
"Electrical panel location and overall electrical condition are assumed serviceable because outlets and fixtures in photos appear intact; no obvious exposed live wiring was observed.",
"Only one smoke detector was visible in photos; it is assumed additional detectors and CO alarms may be missing or not shown and should be verified/installed per code/NSPIRE.",
"Front porch stairs may lack a continuous handrail; this is assumed to be a minor code issue requiring simple repair."
],
"overall_score": 69.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed/1-bath single-family home appears mostly move-in ready with recent interior updates (kitchen, bath, flooring) and a solid exterior. Primary inspection risks are code items that can be corrected quickly: confirm and/or install smoke detectors in bedrooms and CO alarm, install a required handrail at the front steps, verify GFCI protection in kitchen/bath, and confirm presence and operation of a heating system and water heater. Missing stove/refrigerator and unfinished laundry hookups are easy-to-fix capital items. With the corrections above (most of which are minor), the property is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior photos show recently installed vinyl plank flooring, updated kitchen cabinets and backsplash, and a fully renovated bathroom — these are turnkey cosmetic improvements. Visible minor deferred items: painted front porch steps show wear, laundry area is unfinished with exposed hookups, and the kitchen currently lacks a range and refrigerator (stove/fridge absence reduces score moderately but is not a structural failure). Overall finishes look clean and move-in ready aside from minor touch-ups and installation of appliances."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 65.0,
"rationale": "Positive: living area smoke detector is visible, bedrooms have windows for egress, no visible exposed electrical wiring, bathroom has grab bar and appears well tiled. Concerns: no clear evidence of smoke detectors in each bedroom or that detectors are interconnected; no visible carbon monoxide alarm (required if fuel-burning appliances exist); front entry steps appear to lack a continuous handrail (potential code fail/unsafe stairs); GFCI protection for kitchen outlets is not clearly visible in photos. No signs of active leaks, mold, or collapsed ceilings. Net: moderate inspection risk — likely passable after adding/confirming detectors, adding handrail, and verifying GFCI."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 60.0,
"rationale": "Roof appears in good condition (shingles look recent). Plumbing fixtures visible in bathroom look new; laundry plumbing is present but unfinished. No central HVAC equipment is visible in exterior photos and interior shows window AC units in at least one bedroom — heating system is not evident from photos (NSPIRE requires a working heating source); water heater and electrical panel are not shown. Because major systems (heating, water heater, electrical panel) are unverified from photos, assign moderate risk and recommend confirming presence/operation of heat, hot water, and electrical panel prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 80.0,
"rationale": "Yard is maintained, driveway and sidewalks are in good condition, siding and foundation piers look intact, and the backyard is fenced with a storage shed. Crawlspace is open under the house (typical for raised foundation) but shows no visible sagging or major foundation cracks in provided images. Porch paint wear and some cosmetic chipping present. Overall exterior condition is good and presents low risk for initial inspection."
}
],
"red_flags": [
"No visible central heating system (no furnace/air handler or exterior condenser shown) — 'No visible heating system' is a major inspection risk.",
"Front entry steps lack a continuous handrail — potential unsafe stairs/code violation.",
"Smoke and carbon monoxide detector coverage is unverified for all sleeping rooms and may be incomplete.",
"Laundry area has exposed hookups and unfinished connections that must be completed before tenancy."
],
"confidence": 0.65,
"assumptions": [
"Photos are recent and accurately represent current interior and exterior conditions.",
"Renovated bathroom and kitchen are finished and plumbing fixtures are operational, though appliances (range/refrigerator) are not present.",
"No central HVAC unit was visible in photos; assume heating is unverified rather than definitively absent.",
"Electrical panel and main utilities are present and functional but were not photographed; no visible active electrical hazards were observed in photos.",
"Crawlspace and foundation are visually level from exterior photos; no deep foundation movement was visible."
],
"overall_score": 70.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA single-family home appears largely move-in ready with recent interior upgrades (flooring, kitchen cabinets, bath). It is likely to pass an initial HCV/NSPIRE inspection after addressing a few predictable items: install missing kitchen appliances (stove/refrigerator), confirm and/or install required detectors (carbon monoxide where required, verify smoke detectors), verify GFCI protection in kitchen/bath, secure/finish laundry hookups, and confirm an adequate heating source. The roof and exterior look sound and there are no visible structural or life-safety failures in the photos. Key uncertainty is the lack of visible central heating and limited visibility of the electrical panel and water heater—these should be verified before tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior appears freshly renovated: new vinyl plank flooring, painted walls, updated kitchen cabinets and backsplash, and a modern renovated bathroom. Some cosmetic deferred items visible: worn paint on front porch/steps, small landscaping touches, and the kitchen is missing major appliances (stove and refrigerator not present in photos) and may need finishing at the appliance alcove. Laundry/utility area shows exposed plumbing and unfinished walls where washer/dryer will connect. These are mostly moderate, easy-to-fix or capital items rather than structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "Smoke detector is visible in a living area. Bedrooms show operable windows that appear to provide egress. No visible exposed live wiring or obvious electrical hazards in photos; outlet covers are present. Entry has a metal security/screen door and lock hardware visible. Bathroom fixtures, tile and grab bar look professionally finished. Missing/uncertain items: no CO detector is visible in photos, GFCI protection for kitchen/bath outlets is not clearly shown, and the laundry area has exposed plumbing/connections that should be properly enclosed/secured. No visible severe water intrusion, active leaks, collapsed ceilings, or peeling lead-risk paint noted from images."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 65.0,
"rationale": "Roof appears in good condition (shingles look recently replaced). Plumbing fixtures in bathroom and kitchen look upgraded; laundry hookups present. Electrical panel and distribution not shown. HVAC: no central furnace/air-handler visible in photos; cooling appears to be provided by window AC units (seen in bedroom). No visible central heating system or ducted HVAC was shown — this is an uncertainty because heating method isn’t pictured. A water heater is not shown inside photos; an exterior vertical cylinder is visible at rear (could be water heater or tank) but cannot be confirmed. Given recent cosmetic renovations and no visible system failures, systems look serviceable but lack of visible central heat and limited system documentation reduce the score."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and lot condition",
"score": 80.0,
"rationale": "Exterior siding, roof and yard appear well maintained. Driveway and sidewalk are intact and level. Backyard is spacious, fenced, and shows a shed/utility structure. House sits on raised piers (typical for area) with visible crawlspace openings; crawlspace access and open skirting may allow pests or water entry and should be secured. No obvious foundation settlement, major drainage pooling, or exterior structural sagging visible in photos."
}
],
"red_flags": [
"No visible central heating system in photos — must verify an adequate heating source (listed as a major inspection concern).",
"Open crawlspace/piers and visible gaps under house that should be secured to prevent pest entry and moisture issues.",
"Kitchen shown without stove and refrigerator (appliances missing) — will require installation before move-in.",
"Laundry/utility area shows exposed hookups/plumbing and unfinished surfaces that should be properly enclosed/secured."
],
"confidence": 0.65,
"assumptions": [
"Hot water heater is present and functioning though it is not clearly pictured; the vertical cylinder at rear is assumed to be related to mechanical service.",
"No active interior mold, major hidden water damage or termite damage beyond what is visible in photos.",
"Electrical service/panel is intact and up to code (not shown in photos); no obvious exposed live wiring was observed.",
"Window AC units provide cooling; a functional heating source exists or portable/electric heat is acceptable in local code — heating equipment should be verified prior to move-in.",
"Missing kitchen appliances (stove/fridge) are not intentional — they can be installed prior to tenancy and are treated as moderate, capital repairs rather than immediate safety failures.",
"Crawlspace/pier foundation is typical for the neighborhood and shows no visible sagging or major movement in the photos."
],
"overall_score": 74.0,
"rubric_version": "ns-p-guide-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "532 Gelpi Ave, Jefferson, LA, 70121",
"aggregate": {
"summary": "This 3-bed/1-bath single-family shows substantial cosmetic updates and a renovated bath and kitchen, making it close to rent-ready. Exterior, roof and finishes look good. Moderate inspection risks include missing kitchen appliances, uncertain detector coverage (only one smoke detector visible), and no visible permanent heating system (window AC present). These issues are fixable but will likely require a short set of repairs (install missing appliances, confirm/upgrade smoke/CO detectors and handrail, verify/install a compliant heating source) before passing an HCV/NSPIRE initial inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears recently updated: new-looking LVP flooring, renovated bathroom, modern cabinets and backsplash. Cosmetic wear only (front porch paint on steps, small trim scuffs). Kitchen has no visible range or refrigerator in photos (range cut-out present) — missing appliances reduce readiness moderately but are not structural. Some areas (rear room) show exposed laundry hookups and unfinished appearance but no active damage. Overall mostly cosmetic/turnkey with a few moderate fix items."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 81.7,
"rationale": "Siding and exterior paint appear intact, yard is maintained, concrete walk and driveway are in good condition, fence and backyard look serviceable, and no standing water or obvious drainage issues are visible. Crawlspace vents visible and foundation appears supported on piers with no visible major cracks or sagging. Small storage shed present. Overall low exterior risk."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 67.7,
"rationale": "One smoke detector visible in living area ceiling; no CO alarm visible in photos and no detectors visible in bedrooms or hallway — risk for NSPIRE requirement of appropriately located detectors. Entry has a metal security door that appears to lock. Bedrooms have windows providing egress. No visible exposed electrical wiring and outlet covers are present. Front step has decorative porch posts but steps lack a continuous handrail (possible minor code issue). No visible evidence of active leaks, mold, or severe paint failure. Because heating system is not visible (no furnace or central registers shown) and detector coverage is uncertain, safety score is lowered."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 61.7,
"rationale": "Roof shingles appear in good condition (recent-looking). Plumbing fixtures and water heater access are not clearly shown but bathroom renovation indicates functional plumbing. No central HVAC equipment is visible in photos; window AC is present in a bedroom which suggests cooling but no visible permanent heating system or central air handler — this is a systems risk for inspections. Electrical panel is not shown; visible outlets and fixtures appear intact. Laundry plumbing and dryer vent are present but appliances are missing. Overall systems appear serviceable but HVAC/heating uncertainty reduces score."
}
],
"red_flags": [
"No visible heating system (no furnace or central HVAC evident in photos) — potential NSPIRE failure unless a compliant heating source is verified.",
"Potential inadequate smoke/CO detector coverage (only one smoke detector visible) — may fail if detectors are not present in required locations."
],
"confidence": 0.89,
"assumptions": [
"Photos represent the full interior and exterior condition; no additional hidden structural damage is present beyond what is visible.",
"Kitchen currently lacks a range and refrigerator (cut-out for range visible and no appliances shown) and appliances would need to be provided or verified.",
"Window AC unit(s) are present for cooling; no central HVAC/furnace or visible heating source was observed in photos.",
"Water heater is present on-site or functional (tall cylinder visible near rear in exterior photo), and hot water is available though not directly verified.",
"Electrical panel location and overall electrical condition are assumed serviceable because outlets and fixtures in photos appear intact; no obvious exposed live wiring was observed.",
"Only one smoke detector was visible in photos; it is assumed additional detectors and CO alarms may be missing or not shown and should be verified/installed per code/NSPIRE.",
"Front porch stairs may lack a continuous handrail; this is assumed to be a minor code issue requiring simple repair."
],
"score_method": "mean_of_criteria",
"overall_score": 71.0,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8800630245"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.