Property ID: 8803545059

3716 Fir Ave SW, Birmingham, AL, 35221

Birmingham, AL

For Sale Feb 16, 2026 03:22 AM UTC Realtor Zillow Street View
Money Down: $23,760 CoC Return: 10.70% Monthly Cash Flow: $212
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,800
Closing Costs
$3,960
Total Down
$23,760
Primary property image

Investment Snapshot

Purchase Price
$99,000
Money Down
$23,760
Cash-on-Cash Return
10.70%
Rent
$975
Monthly Cash Flow
$212
Annual Cash Flow
$2,543
Debt Service / Mo
$527
Property Tax / Mo
$82
Insurance / Mo
$56

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$975
Payment Standard
$1,518
Rent
$975
Insurance
$56
Property Tax
$82
Management
$98
Utilities Allowance
$543
NOI (Monthly)
$739
Debt Service
$527
Cash Flow After Debt
$212

Quality Score: 68.70%

Confidence: 65.00%

This tenant-occupied single-family home appears broadly rent-ready but has a few inspection risks that will require attention before passing an initial HCV/NSPIRE inspection. Strengths: new HVAC system, intact metal roof, functioning carport and yard. Primary concerns: visible peeling exterior paint on a 1954 house (likely lead-risk), apparent lack of a continuous handrail on front steps, and unverified interior safety items (smoke/CO detectors, GFCI outlets, plumbing/electrical panel). Expect minor-to-moderate repairs (paint remediation, handrail installation, verifying/adding detectors and GFCI, addressing any interior cosmetic issues) to reach full compliance. With targeted work this property is likely passable within 30 days; lead-based paint remediation may add time/cost depending on extent.

Section 8 Payment Standard
$1,518
Utility Allowance Total
$543
Guaranteed Section 8 Rent (PS - Utilities)
$975
Property Management
$98

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$99,000
Beds
3
Baths
1
Living Area
1,066 sqft
Lot Size
10,890 sqft
Year Built
1954
Days on Market
96
Capital Outlay
$23,760
Debt Service
$527
Property Tax / Mo
$82
Insurance / Mo
$56

Property Description

Great investment opportunity! New HVAC system including duct work, vents, registers, and thermostat. Current tenant pays $980/mo. This property is 1 of 3 offered in a portfolio of other properties. Seller willing to sell individually or all 3 together. Other properties in portfolio are 2709 9th Street NE $125K, and 704 Falmouth Street, $81,900. Seller will not entertain subject 2 or owner financing options. Property is tenant occupied - Please DO NOT DISTURB TENANT. Only AFTER property is under contract are showings scheduled 48HRS in advance. Don't miss Rent Roll in document section.

Utility Allowances

heating
$93
Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The property has a 'New HVAC system' and electric water heater, making electric heating the most probable fuel source. Alabama Power was chosen as the provider for a conservative estimate.
cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property is listed with 'Central Air', which is electric. Alabama Power was chosen as the provider for a conservative estimate.
water_heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. The property explicitly lists an 'Electric Water Heater'.
cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. Appliances are not listed as provided, and other major systems are electric, making an electric range the most likely tenant-provided appliance. This is the most expensive electric option.
other_electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity usage not accounted for by other specific appliances. Alabama Power was chosen for a conservative estimate.
refrigerator
$8
Selected based on a tenant-owned refrigerator, as one was not listed as provided with the property. The allowance is a fixed rate from the schedule.
range_microwave
$6
Selected based on a tenant-owned range/microwave, as the property listing states 'Appliances: None'. The allowance is a fixed rate from the schedule.
water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit, as the property is located in Birmingham and is connected to 'Public Water'.
sewer
$151
Selected the fixed allowance for a 3-bedroom unit. The property is listed as 'Sewer: Connected'.
trash_collection
$40
Selected 'Fairfield Inside City Limits (ISCL)' for a 3-bedroom unit. The specific trash provider for Birmingham is not listed; therefore, the most expensive option on the schedule was chosen as a conservative estimate.

Source References

Payment Standard Source
Effective Date: Jan 01, 2026
Utility Allowance Source
Effective Date: Jan 01, 2026

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$541
DP3 Annual Estimate$814
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$68
Replacement Value$54,900
Basis1,066 sqft / 1954

Nearby Houses

Nearby house 1
Photo unavailable

3520 Jefferson Ave SW

for_sale · 0.07 mi
Price: $125,000
2 bd / 1 ba · 926 sqft
Latest sale: $10,500 on Oct 15, 2024
Latest rent: —
Nearby house 2
Photo unavailable

3533 Jefferson Ave SW

sold · 0.07 mi
Price: $63,000
4 bd / 3 ba · 1,911 sqft
Latest sale: $63,000 on Jul 25, 2025
Latest rent: $1,550 on Nov 09, 2025
Nearby house 3
Photo unavailable

3625 Jefferson Ave SW

sold · 0.10 mi
Price: $185,000
4 bd / 3 ba · 2,953 sqft
Latest sale: $185,000 on Jul 11, 2022
Latest rent: —
Nearby house 4
Photo unavailable

3616 Ellis Ave SW

sold · 0.12 mi
Price: $40,000
3 bd / 2 ba · 1,509 sqft
Latest sale: $40,000 on Jul 23, 2021
Latest rent: —
Nearby house 5
Photo unavailable

3600 Park Ln S

sold · 0.16 mi
Price: $1,509,000
5 bd / 6 ba · 5,365 sqft
Latest sale: $1,509,000
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success
  • Peeling exterior paint on a 1954-built home — likely lead-risk paint requiring remediation under HUD rules
  • Missing or inadequate front handrail (unsafe stairs / broken handrail risk)
  • No visible smoke or carbon monoxide detectors from available images (detector compliance unverified)

Assumptions

  • New HVAC is installed and functioning as described in the listing.
  • Interior condition is average for a tenant-occupied property and has no visible severe defects since only exterior photos were provided.
  • Kitchen appliances and hot water are present and operational unless otherwise noted by tenant or seller (no interior photos to confirm).
  • Peeling exterior paint is representative of other exterior areas and therefore constitutes a likely lead-risk condition because the home was built in 1954.
  • Front entry steps exceed the NSPIRE threshold where a handrail is required or the existing handrail is inadequate; no continuous handrail visible in photo.
  • No active leaks, structural sagging, collapsed ceilings, or standing water exist beyond what is visible in the single exterior photo.
  • Electrical panel, water heater, plumbing fixtures, and smoke/CO detectors are not visible and therefore treated as unknowns for scoring; absence of visible issues was used to avoid heavy penalties.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $958 $66,100 $13,220
2023 $958 $66,100 $13,220
2022 $740 $51,100 $10,220
2021 $740 $51,100 $10,220
2020 $817 $56,400 $11,280
2019 $817 $56,400 $11,280
2018 $706 $48,700 $9,740
2017 $624 $43,100 $8,620
2016 $706 $48,700 $9,740
2015 $527 $36,400 $7,280

Sale History

DateEventPrice
2017-01-31 Sold $15,000

Rental History

DateEventPriceSource
2024-05-23 Listed for rent $980
2017-01-16 Listed for rent $500

Photo Gallery

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              "last_update_date": "2022-07-10T14:25:01Z",
              "last_status_change_date": "2022-08-06T05:54:08Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 39.868667917448406,
            "source_name": "GreaterAlabamaMLS",
            "price_change": -3250,
            "days_after_listed": null,
            "source_listing_id": "1322808",
            "price_change_percentage": null
          },
          {
            "date": "2022-06-06",
            "price": 45750,
            "listing": {
              "status": "off_market",
              "list_date": "2022-06-06T15:10:26Z",
              "list_price": 42500,
              "listing_id": "2943983241",
              "last_update_date": "2022-07-10T14:25:01Z",
              "last_status_change_date": "2022-08-06T05:54:08Z"
            },
            "event_name": "Listed",
            "price_sqft": 42.91744840525328,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "1322808",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": false
  },
  "property_id": "8803545059",
  "generated_at": "2026-02-16T03:22:04.951791Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 68.7
  },
  "utility_allowance": {
    "zip_code": "35221",
    "home_photo": "https://ap.rdcpix.com/024c46a30875c69a7ba848088583b097l-m1862737541s-w1280.jpg",
    "rent_price": 975.0,
    "loan_amount": 79200.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/3716-Fir-Ave-SW_Birmingham_AL_35221_M88035-45059",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 99000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 8865.76,
    "mortgage_monthly": 526.92,
    "payment_standard": 1518.0,
    "total_amount_out": 19800.0,
    "additional_photos": [],
    "down_payment_rate": 0.2,
    "insurance_monthly": 56.46,
    "monthly_cash_flow": 738.81,
    "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 'Elec Heat: Ala Power' for a 3-bedroom unit. The property has a 'New HVAC system' and electric water heater, making electric heating the most probable fuel source. Alabama Power was chosen as the provider for a conservative estimate.",
        "utility": "heating",
        "allowance": 93
      },
      {
        "note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property is listed with 'Central Air', which is electric. Alabama Power was chosen as the provider for a conservative estimate.",
        "utility": "cooling",
        "allowance": 22
      },
      {
        "note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. The property explicitly lists an 'Electric Water Heater'.",
        "utility": "water_heating",
        "allowance": 56
      },
      {
        "note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Appliances are not listed as provided, and other major systems are electric, making an electric range the most likely tenant-provided appliance. This is the most expensive electric option.",
        "utility": "cooking",
        "allowance": 21
      },
      {
        "note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity usage not accounted for by other specific appliances. Alabama Power was chosen for a conservative estimate.",
        "utility": "other_electric",
        "allowance": 68
      },
      {
        "note": "Selected based on a tenant-owned refrigerator, as one was not listed as provided with the property. The allowance is a fixed rate from the schedule.",
        "utility": "refrigerator",
        "allowance": 8
      },
      {
        "note": "Selected based on a tenant-owned range/microwave, as the property listing states 'Appliances: None'. The allowance is a fixed rate from the schedule.",
        "utility": "range_microwave",
        "allowance": 6
      },
      {
        "note": "Selected 'Water: Birmingham' for a 3-bedroom unit, as the property is located in Birmingham and is connected to 'Public Water'.",
        "utility": "water",
        "allowance": 78
      },
      {
        "note": "Selected the fixed allowance for a 3-bedroom unit. The property is listed as 'Sewer: Connected'.",
        "utility": "sewer",
        "allowance": 151
      },
      {
        "note": "Selected 'Fairfield Inside City Limits (ISCL)' for a 3-bedroom unit. The specific trash provider for Birmingham is not listed; therefore, the most expensive option on the schedule was chosen as a conservative estimate.",
        "utility": "trash_collection",
        "allowance": 40
      }
    ],
    "cash_on_cash_return": 0.45,
    "down_payment_amount": 19800.0,
    "property_tax_annual": 986.74,
    "property_tax_monthly": 82.23,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 543.0,
    "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": 2542.73,
    "property_management_monthly": 97.5,
    "monthly_cash_flow_after_debt": 211.89,
    "cash_on_cash_return_after_debt": 0.13
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This tenant-occupied single-family home appears broadly rent-ready but has a few inspection risks that will require attention before passing an initial HCV/NSPIRE inspection. Strengths: new HVAC system, intact metal roof, functioning carport and yard. Primary concerns: visible peeling exterior paint on a 1954 house (likely lead-risk), apparent lack of a continuous handrail on front steps, and unverified interior safety items (smoke/CO detectors, GFCI outlets, plumbing/electrical panel). Expect minor-to-moderate repairs (paint remediation, handrail installation, verifying/adding detectors and GFCI, addressing any interior cosmetic issues) to reach full compliance. With targeted work this property is likely passable within 30 days; lead-based paint remediation may add time/cost depending on extent.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 68.0,
            "rationale": "Exterior shows peeling paint on shutters and some siding; porch and steps are serviceable but cosmetically worn. No visible collapsed surfaces, major structural cracking, or collapsed ceilings from exterior photo. Tenant-occupied status implies interior is likely maintained but not visible. Missing appliances were not confirmed in photos or listing; therefore not heavily penalized. Overall minor-to-moderate cosmetic repairs and targeted paint/finish work expected."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 45.0,
            "rationale": "Property built 1954 and visible exterior paint peeling constitutes a likely lead-risk paint condition under HUD/NSPIRE and must be addressed. No smoke or CO detectors are visible from exterior photo (interior not shown) so detector compliance is unknown and is a potential fail. Front steps appear to lack a continuous handrail which could be an NSPIRE deficiency for exterior stairs. No active roof leaks, sagging, standing water, or collapsed structural members observed from photo, but several NSPIRE items (smoke detectors, GFCI, egress windows) cannot be confirmed. Overall safety risk is moderate due to visible peeling paint and missing/uncertain detector/handrail compliance."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 75.0,
            "rationale": "Listing states a new HVAC system including ductwork, vents, registers and thermostat — a strong positive for inspection readiness. Metal roof appears intact from photo. Electrical panel, water heater, plumbing and hot water are not visible/confirmed; because there are no visible signs of system distress or roof failure, assume major systems are serviceable but unverified. Score reflects strong HVAC update but unknowns in plumbing/electrical/water heating."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 60.0,
            "rationale": "Chain-link fence, driveway/carport and yard are present and functional; some vegetation is close to the house and rear appears overgrown which can be a pest/drainage concern. Siding and shutters show deterioration/peeling paint. Walkway/entry shows minor wear. No visible major foundation movement, significant siding collapse or severe roof failure. Score reflects decent site with maintenance needs (paint, vegetation control, minor walk/porch repairs)."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental Activity (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Peeling exterior paint on a 1954-built home — likely lead-risk paint requiring remediation under HUD rules",
          "Missing or inadequate front handrail (unsafe stairs / broken handrail risk)",
          "No visible smoke or carbon monoxide detectors from available images (detector compliance unverified)"
        ],
        "confidence": 0.65,
        "assumptions": [
          "New HVAC is installed and functioning as described in the listing.",
          "Interior condition is average for a tenant-occupied property and has no visible severe defects since only exterior photos were provided.",
          "Kitchen appliances and hot water are present and operational unless otherwise noted by tenant or seller (no interior photos to confirm).",
          "Peeling exterior paint is representative of other exterior areas and therefore constitutes a likely lead-risk condition because the home was built in 1954.",
          "Front entry steps exceed the NSPIRE threshold where a handrail is required or the existing handrail is inadequate; no continuous handrail visible in photo.",
          "No active leaks, structural sagging, collapsed ceilings, or standing water exist beyond what is visible in the single exterior photo.",
          "Electrical panel, water heater, plumbing fixtures, and smoke/CO detectors are not visible and therefore treated as unknowns for scoring; absence of visible issues was used to avoid heavy penalties."
        ],
        "overall_score": 63.0,
        "rubric_version": "2026-02-hud-nspire-v1"
      },
      {
        "summary": "Overall this 3-bed/1-bath 1954 single-family appears to be in the 'minor repairs' category and is likely to pass an initial HCV/NSPIRE inspection with modest pre-listing work. Major positive: new HVAC and an intact metal roof. Exterior shows cosmetic deferred maintenance (peeling paint, trim wear) and vegetation encroachment. Key unknowns that affect final passability (smoke/CO detectors, GFCI outlets, hot water, interior plumbing/electrical condition, appliance presence) are not shown. Because of new HVAC and no visible structural or life-safety failures, estimated rent-readiness is within 1-4 weeks pending verification and minor fixes (detectors, GFCI, paint, small repairs). Tenant-occupied status and recent rent roll reduce leasing uncertainty.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repair Needs",
            "score": 70.0,
            "rationale": "Exterior shows minor deferred maintenance: peeling paint on shutters, weathered trim, some overgrown vines on fence and slight wear to front steps/porch. No visible collapsed surfaces, major rot or structural sagging. Interior condition not shown; listing indicates tenant-occupied which often keeps unit functioning but may hide cosmetic wear. Missing interior appliance status is unknown; absence of visible severe damage places this in the 'minor repairs' bucket but not turnkey-perfect."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk (NSPIRE)",
            "score": 75.0,
            "rationale": "No visible life-threatening hazards from exterior: roof appears intact, porch and steps present and stable, entry has security door. House was built in 1954 and exterior paint is peeling on shutters (potential lead-paint risk). No exposed wiring or collapsed ceilings visible. Critical items that determine pass (smoke/CO detectors, GFCI in kitchen/bath, hot water, interior egress windows, electrical panel status) are not visible; seller listing does note new HVAC but does not address detectors or GFCI. Given no visible major safety hazards but several unverified code items, moderate-high compliance likelihood."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 80.0,
            "rationale": "Listing explicitly states new HVAC including ductwork, vents, registers and thermostat, which strongly reduces heating/cooling failure risk. Metal roof visible looks serviceable. Water heater, plumbing, electrical panel condition and hot water availability are not shown. Given a brand-new HVAC and no visible roof or structural issues, systems score is good but not perfect due to unknowns about plumbing/electrical."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Front yard and chain-link fence are intact; driveway/carport present. Siding and trim are aged with peeling paint on shutters; no obvious foundation displacement, severe erosion, standing water, or infestation visible in photo. Vegetation close to the house could hide damage and should be cleared. Overall exterior is serviceable with moderate cosmetic maintenance needed."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental Activity (last 5y)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Peeling exterior paint on shutters and trim (built 1954) — potential lead-based paint hazard that must be addressed/assessed under NSPIRE/lead-risk rules.",
          "Tenant-occupied — no interior access until after contract which delays verification of code items (smoke/CO detectors, GFCI, plumbing, electrical)."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Interior photos not provided; assume interior is occupied and in fair condition typical of a rented unit (some wear but no major structural failures).",
          "New HVAC described in listing is correctly installed and operational (heating and cooling function present).",
          "No active roof leaks or unseen water intrusion exist; metal roof seen in photo is serviceable.",
          "Smoke and carbon monoxide detectors, GFCI outlets, hot water, and electrical panel condition are unverified and may require inspection; absence in photos does not indicate noncompliance.",
          "Appliances (stove/fridge) are not shown; assume tenant may have them or landlord supplies per local custom—missing appliances would be a moderate fix rather than an immediate fail unless wiring/gas unsafe.",
          "Peeling exterior paint on shutters indicates possible lead-based paint risk due to 1954 construction; assume lead-risk mitigation may be needed for children-occupied units unless documented otherwise."
        ],
        "overall_score": 80.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall the property appears to be a reasonably turnkey Section 8 candidate with a new HVAC and intact metal roof. Visible issues are largely cosmetic (peeling paint, minor yard upkeep). Key NSPIRE items that cannot be confirmed from exterior photos — smoke/CO detectors, GFCI protection, interior plumbing/electrical panel condition, and bedroom egress — introduce a moderate inspection risk. Given tenant occupancy and the new HVAC, this property is likely to pass an initial HCV/NSPIRE inspection after minor interior verifications and addressing any missing detectors or small code items; estimated time-to-rent readiness: under 30 days for inspection readiness if detectors/GFCI are installed and no hidden defects are found.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Deferred Repairs",
            "score": 70.0,
            "rationale": "Exterior photo shows peeling paint on shutters and some cosmetic wear to siding and porch; yard and walkway show minor neglect. No visible collapsed surfaces, significant rot, or exposed subfloor. Missing interior items (appliances, fixtures) cannot be confirmed from photos; tenant-occupied status suggests interior is serviceable. Overall issues appear cosmetic and minor — easy-to-fix (paint, trim, minor porch touch-ups)."
          },
          {
            "key": "safety_code",
            "label": "Safety / NSPIRE Code Risk",
            "score": 60.0,
            "rationale": "No obvious life‑threatening hazards visible from exterior: no collapsed ceilings, no standing water, no visible electrical hazards, roof appears intact. However, critical NSPIRE items (smoke/CO detectors, GFCI in kitchen/bath, bedroom egress, location of heater, condition of electrical panel, hot water) cannot be verified from photos. Front steps appear to lack a handrail (potential minor code issue depending on rise), and window egress for bedrooms is unconfirmed. Tenant occupancy reduces probability of immediate failures but unknown interior detectors/GFCI reduce certainty — moderate inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 75.0,
            "rationale": "Listing states a new HVAC system including ductwork, vents, registers, and thermostat — a strong positive for inspection and occupant comfort. Metal roof visible and appears serviceable with no obvious sagging or active leaks. Water heater, plumbing, and electrical system condition are not visible; tenant presence implies functional basic systems but their exact condition is unknown. Given new HVAC and intact roof, systems risk is moderate-to-low."
          },
          {
            "key": "exterior_site",
            "label": "Exterior Envelope & Site",
            "score": 70.0,
            "rationale": "Chain-link fence and carport present; foundation skirt looks intact; siding generally intact though paint is peeling in places. Yard is slightly overgrown but no visible drainage or severe erosion issues, no obvious pest infestation evidence from photo. Walkway appears intact though could use cleaning/repair. Exterior issues are mostly cosmetic and routine maintenance."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental Activity (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [],
        "confidence": 0.65,
        "assumptions": [
          "New HVAC stated in listing is installed and operational.",
          "Tenant occupancy implies functioning basic systems (electric, hot water, plumbing) but details not visible.",
          "No significant hidden structural or roof failures behind visible exterior; metal roof appears intact from photo.",
          "Interior smoke detectors, CO alarms, and GFCI outlets are not visible in photos and were assumed absent/unknown for conservative scoring.",
          "Bedroom egress windows are assumed likely typical for a 1954 build but cannot be confirmed without interior photos or measurements.",
          "No recent major water intrusion, mold, or termite damage is evident from exterior; if present this would materially reduce the score."
        ],
        "overall_score": 74.0,
        "rubric_version": "1.0"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "3716 Fir Ave SW, Birmingham, AL, 35221",
    "aggregate": {
      "summary": "This tenant-occupied single-family home appears broadly rent-ready but has a few inspection risks that will require attention before passing an initial HCV/NSPIRE inspection. Strengths: new HVAC system, intact metal roof, functioning carport and yard. Primary concerns: visible peeling exterior paint on a 1954 house (likely lead-risk), apparent lack of a continuous handrail on front steps, and unverified interior safety items (smoke/CO detectors, GFCI outlets, plumbing/electrical panel). Expect minor-to-moderate repairs (paint remediation, handrail installation, verifying/adding detectors and GFCI, addressing any interior cosmetic issues) to reach full compliance. With targeted work this property is likely passable within 30 days; lead-based paint remediation may add time/cost depending on extent.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 69.3,
          "rationale": "Exterior shows peeling paint on shutters and some siding; porch and steps are serviceable but cosmetically worn. No visible collapsed surfaces, major structural cracking, or collapsed ceilings from exterior photo. Tenant-occupied status implies interior is likely maintained but not visible. Missing appliances were not confirmed in photos or listing; therefore not heavily penalized. Overall minor-to-moderate cosmetic repairs and targeted paint/finish work expected."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 68.3,
          "rationale": "Chain-link fence, driveway/carport and yard are present and functional; some vegetation is close to the house and rear appears overgrown which can be a pest/drainage concern. Siding and shutters show deterioration/peeling paint. Walkway/entry shows minor wear. No visible major foundation movement, significant siding collapse or severe roof failure. Score reflects decent site with maintenance needs (paint, vegetation control, minor walk/porch repairs)."
        },
        {
          "key": "rental_history_activity",
          "label": "Recent Rental Activity (last 5 years)",
          "score": 100.0,
          "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Compliance",
          "score": 60.0,
          "rationale": "Property built 1954 and visible exterior paint peeling constitutes a likely lead-risk paint condition under HUD/NSPIRE and must be addressed. No smoke or CO detectors are visible from exterior photo (interior not shown) so detector compliance is unknown and is a potential fail. Front steps appear to lack a continuous handrail which could be an NSPIRE deficiency for exterior stairs. No active roof leaks, sagging, standing water, or collapsed structural members observed from photo, but several NSPIRE items (smoke detectors, GFCI, egress windows) cannot be confirmed. Overall safety risk is moderate due to visible peeling paint and missing/uncertain detector/handrail compliance."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems & Mechanical",
          "score": 76.7,
          "rationale": "Listing states a new HVAC system including ductwork, vents, registers and thermostat — a strong positive for inspection readiness. Metal roof appears intact from photo. Electrical panel, water heater, plumbing and hot water are not visible/confirmed; because there are no visible signs of system distress or roof failure, assume major systems are serviceable but unverified. Score reflects strong HVAC update but unknowns in plumbing/electrical/water heating."
        }
      ],
      "red_flags": [
        "Peeling exterior paint on a 1954-built home — likely lead-risk paint requiring remediation under HUD rules",
        "Missing or inadequate front handrail (unsafe stairs / broken handrail risk)",
        "No visible smoke or carbon monoxide detectors from available images (detector compliance unverified)"
      ],
      "confidence": 0.65,
      "assumptions": [
        "New HVAC is installed and functioning as described in the listing.",
        "Interior condition is average for a tenant-occupied property and has no visible severe defects since only exterior photos were provided.",
        "Kitchen appliances and hot water are present and operational unless otherwise noted by tenant or seller (no interior photos to confirm).",
        "Peeling exterior paint is representative of other exterior areas and therefore constitutes a likely lead-risk condition because the home was built in 1954.",
        "Front entry steps exceed the NSPIRE threshold where a handrail is required or the existing handrail is inadequate; no continuous handrail visible in photo.",
        "No active leaks, structural sagging, collapsed ceilings, or standing water exist beyond what is visible in the single exterior photo.",
        "Electrical panel, water heater, plumbing fixtures, and smoke/CO detectors are not visible and therefore treated as unknowns for scoring; absence of visible issues was used to avoid heavy penalties."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 68.7,
      "rubric_version": "2026-02-hud-nspire-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8803545059"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.