Property ID: 8807357557
2808 Avenue H, Birmingham, AL, 35218
Birmingham, AL
Money Down: $16,560
CoC Return: 8.36%
Monthly Cash Flow: $115
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$13,800
Closing Costs
$2,760
Total Down
$16,560
Investment Snapshot
Purchase Price
$69,000
Money Down
$16,560
Cash-on-Cash Return
8.36%
Rent
$709
Monthly Cash Flow
$115
Annual Cash Flow
$1,385
Debt Service / Mo
$367
Property Tax / Mo
$95
Insurance / Mo
$61
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$709
Payment Standard
$1,133
Rent
$709
Insurance
$61
Property Tax
$95
Management
$71
Utilities Allowance
$424
NOI (Monthly)
$483
Debt Service
$367
Cash Flow After Debt
$115
Quality Score: 76.60%
Confidence: 95.00%
Overall this appears to be a largely rent-ready, move-in condition 2-bed single family with a new roof and updated electrical/ductwork according to the listing and supported by photos. Most issues visible are cosmetic or minor capital repairs (deck sealing, paint touch-ups). The main inspection risks are unverifiable items in photos — presence/operation of HVAC, water heater, electrical panel, and required alarms (smoke/CO/GFCI). With basic verification and installation of detectors (if missing) this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
Section 8 Payment Standard
$1,133
Utility Allowance Total
$424
Guaranteed Section 8 Rent (PS - Utilities)
$709
Property Management
$71
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$69,000
Beds
2
Baths
1
Living Area
907 sqft
Lot Size
6,098 sqft
Year Built
1930
Days on Market
231
Capital Outlay
$16,560
Debt Service
$367
Property Tax / Mo
$95
Insurance / Mo
$61
Property Description
Charming, MOVE IN READY Home on a Spacious Lot -Did I say Move-In-Ready? Welcome to this inviting 2-bedroom home with a bonus room/office, nestled on a generous 7,500 sq ft lot. Thoughtfully updated, this home is just waiting for YOU! Recent improvements include a brand-new roof, updated electrical and ductwork, and much more... Inside, you'll find a previously renovated eat-in kitchen, updated bathroom, and versatile living space ideal for first-time buyers, downsizers, or savvy investors. The bonus room offers flexibility as a home office, guest space, or creative studio. Located just minutes from the interstate and schools. And yes... It's affordable! Special financing and homebuyer assistance may be available to make ownership even easier. For investors, this area offers a stable rental market, HURRAY this one can be yours
Utility Allowances
Heating
$76
The property has electric heating ('Electric (HEAT)'). The most common provider for Birmingham, 'Elec Heat: Ala Power', was selected from the schedule.
Cooling
$18
The property has electric cooling ('Electric (COOL)'). The most common provider for Birmingham, 'A/C: Alabama Power', was selected.
Water Heating
$29
The property listing specifies a 'Gas (WTRHTR)'. The most common natural gas provider, 'N'Gas: Spire', was selected from the schedule.
Cooking
$17
Cooking fuel is not specified. The property has a gas water heater but electric heating, cooling, and dryer hookups. As the fuel type is unclear, the more expensive option between likely electric ('Ala Power' - $17) and gas ('Spire' - $13) providers was chosen per the rules.
Other Electric
$56
This allowance covers lights, etc. 'Lights, Ref, Etc.: Ala Power' was selected for consistency with other electric utility choices based on the location.
Water
$69
The property is listed with 'Public Water' and is located in Birmingham. The 'Water: Birmingham' option was selected from the schedule.
Sewer
$125
The property is listed as 'Sewer: Connected'. The corresponding fixed allowance from the schedule was applied.
Trash Collection
$20
Trash service was not specified. 'Jefferson City (Once per week)' was selected as the most applicable option for a property in Birmingham, Jefferson County.
Refrigerator (Tenant-owned)
$8
A refrigerator is not listed as a provided appliance. The fixed allowance for a tenant-owned refrigerator was applied.
Range/Microwave (Tenant-owned)
$6
A range or microwave is not listed as a provided appliance. The fixed allowance for a tenant-owned range/microwave was applied.
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$588
DP3 Annual Estimate$873
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$73
Replacement Value$65,000
Basis907 sqft / 1930
Nearby Houses
Photo unavailable
2800 Avenue H
sold · 0.02 mi
Price: $70,000
4 bd / 1 ba · 1,650 sqft
Latest sale: $70,000 on May 03, 2024
Latest rent: $1,175 on Feb 05, 2025
Photo unavailable
2721 Avenue G
sold · 0.05 mi
Price: $24,001
3 bd / 1 ba · 1,302 sqft
Latest sale: $24,001 on Aug 29, 2024
Latest rent: $925 on Dec 08, 2023
Photo unavailable
2818 Avenue G
sold · 0.07 mi
Price: $110,000
3 bd / 2 ba · 1,170 sqft
Latest sale: $110,000 on Oct 28, 2021
Latest rent: $1,225 on Jun 03, 2025
Photo unavailable
2800 Avenue G
sold · 0.07 mi
Price: $80,000
3 bd / 1 ba · 1,568 sqft
Latest sale: $80,000 on Feb 10, 2025
Latest rent: $1,300 on May 20, 2025
Photo unavailable
2715 Avenue H
sold · 0.07 mi
Price: $30,000
3 bd / 1 ba · 1,501 sqft
Latest sale: $30,000 on May 21, 2024
Latest rent: $1,280 on Jul 21, 2025
Photo unavailable
2808 Avenue I
sold · 0.07 mi
Price: $45,000
3 bd / 1 ba · 1,168 sqft
Latest sale: $45,000 on May 14, 2024
Latest rent: —
Photo unavailable
2722 Avenue I
for_sale · 0.08 mi
Price: $108,000
4 bd / 1 ba · 1,578 sqft
Latest sale: $107,250 on Aug 19, 2025
Latest rent: $1,000 on Aug 27, 2025
Photo unavailable
2920 Avenue H
sold · 0.10 mi
Price: $46,900
4 bd / 2 ba
Latest sale: $46,900 on Mar 14, 2019
Latest rent: —
Photo unavailable
2908 Avenue I
sold · 0.10 mi
Price: $72,000
3 bd / 1 ba · 1,274 sqft
Latest sale: $72,000 on Nov 13, 2023
Latest rent: $1,100 on Jan 27, 2026
Photo unavailable
2921 Avenue G
sold · 0.10 mi
Price: $50,000
2 bd / 1 ba · 888 sqft
Latest sale: $50,000 on Aug 28, 2024
Latest rent: $900 on Nov 15, 2024
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that roof, electrical and ductwork were recently updated is accurate; photos support a newer roof.
- Central HVAC is present and connected (ductwork visible/mentioned) though the outdoor condenser is not shown in photos.
- Water heater and functional hot water are present but not photographed; plumbing appears intact with no visible leaks.
- Smoke detectors and CO alarms are not visible in photos and should be installed/verified prior to inspection.
- GFCI protection in kitchen/bathrooms is not visible from photos and will require verification or installation.
- No hidden structural issues (foundation movement, major roof leaks) beyond the visible light staining on foundation were inferred from photos; severe hidden issues are not suspected based on current imagery.
- Appliances (stove/refrigerator) are not shown; missing appliances would be considered repair/capital items but not an automatic inspection fail unless gas/electrical hookups are unsafe.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,102 | $76,000 | $15,200 |
| 2023 | $514 | $35,500 | $7,100 |
| 2022 | $416 | $28,700 | $5,740 |
| 2021 | $416 | $28,700 | $5,740 |
| 2020 | $416 | $28,700 | $5,740 |
| 2018 | $374 | $25,800 | $5,160 |
| 2017 | $374 | $25,800 | $5,160 |
| 2016 | $374 | $25,800 | $5,160 |
| 2015 | $624 | $43,100 | $5,300 |
| 2013 | $605 | $42,500 | $8,500 |
| 2012 | $605 | $42,500 | $8,500 |
| 2011 | $614 | $43,100 | $8,620 |
| 2010 | $614 | $43,100 | $8,620 |
| 2009 | $614 | $43,100 | $8,620 |
| 2008 | $626 | $44,000 | $8,800 |
| 2007 | $622 | $43,700 | $8,740 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-11-29 | Sold | $73,000 |
| 2020-04-27 | Sold | $36,000 |
| 2013-01-31 | Sold | $10,999 |
| 2012-09-20 | Sold | $59,188 |
| 2000-07-26 | Sold | $52,000 |
| 1999-08-04 | Sold | $11,056 |
| 1998-11-24 | Sold | $14,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2017-08-29 | Listed for rent | $650 | — |
| 2017-06-14 | Listed for rent | $650 | — |
Photo Gallery
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"description": "Act Now! February Move-in Special!\nMove in now and enjoy a limited time rent incentive available this month only. Apply by February 17th to qualify. Ask us for details today! Restrictions may apply. \n\nDiscover the charm of this inviting 3-bedroom, 1-bathroom home, where warmth and character await your personal touch. Step inside to find a decorative fireplace adding a cozy focal point to the living space. A blend of hard-surface flooring and plush carpeting ensures both style and comfort throughout. Natural light pours in through the many large windows, creating a bright and airy atmosphere in every room. The kitchen is well-equipped with an oven range and a spacious refrigerator, offering ample storage for all your culinary needs. As part of our move-in service, we'll deliver the oven range and refrigerator and remove the exterior window coverings before your move-in date. Relax and unwind in the beautifully tiled soaking bathtub, the perfect retreat after a long day. For added comfort, opt for our optional Second Nature high-quality air filtration system. Professionally managed by Second Avenue. Contact us to tour and apply online today!\n\nLOCATION: Near Birmingham Zoo, Birmingham Museum of Art, and Vulcan Park and Museum. With easy access to I-20, US-11, and I-65.\n\nSCHOOL DISTRICT: Birmingham City School District\n\nOUTDOOR SPACE: A cozy small covered front porch, perfect for enjoying morning coffee or watching the world go by. A spacious backyard, offering ample room for outdoor activities and relaxation.\n\nSecond Avenue is proud to offer the Hometown Hero Leasing Discount Program to honor and support local heroes, including police officers, firefighters, emergency medical personnel, educators, and government employees. Eligible participants who are fully approved for a lease will enjoy a reduced security deposit on their Second Avenue home. This offer cannot be combined with other promotions or discounts unless otherwise specified. Available in Select Markets - Ask About Eligibility. \n\nBy choosing a professionally managed rental home by Second Avenue, you'll enjoy personalized services such as our all-in-one resident portal, dedicated call center, and professional maintenance program. All Second Avenue homes for rent are pet-friendly (pet fees and breed restrictions apply) and we offer convenient self-guided showings 7 days a week. We also proudly offer military discounts for active-duty personnel. Additional fees may include, yet not limited to septic/sewer, or renters insurance. Approved applicants must pay a hold fee and begin the lease agreement within 7 to 12 days of approval. Don't delay, as our homes lease quickly! \n\nPlease be aware of scams. Second Avenue rental homes are not advertised on Craigslist, Facebook Marketplace, or any other classified advertising websites. We will never ask you to wire funds. All photos shown are for illustrative purposes. Certain finishes, flooring, and room orientation may vary.",
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{
"note": "The property has electric heating ('Electric (HEAT)'). The most common provider for Birmingham, 'Elec Heat: Ala Power', was selected from the schedule.",
"utility": "Heating",
"allowance": 76
},
{
"note": "The property has electric cooling ('Electric (COOL)'). The most common provider for Birmingham, 'A/C: Alabama Power', was selected.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "The property listing specifies a 'Gas (WTRHTR)'. The most common natural gas provider, 'N'Gas: Spire', was selected from the schedule.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "Cooking fuel is not specified. The property has a gas water heater but electric heating, cooling, and dryer hookups. As the fuel type is unclear, the more expensive option between likely electric ('Ala Power' - $17) and gas ('Spire' - $13) providers was chosen per the rules.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "This allowance covers lights, etc. 'Lights, Ref, Etc.: Ala Power' was selected for consistency with other electric utility choices based on the location.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "The property is listed with 'Public Water' and is located in Birmingham. The 'Water: Birmingham' option was selected from the schedule.",
"utility": "Water",
"allowance": 69
},
{
"note": "The property is listed as 'Sewer: Connected'. The corresponding fixed allowance from the schedule was applied.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "Trash service was not specified. 'Jefferson City (Once per week)' was selected as the most applicable option for a property in Birmingham, Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance. The fixed allowance for a tenant-owned refrigerator was applied.",
"utility": "Refrigerator (Tenant-owned)",
"allowance": 8
},
{
"note": "A range or microwave is not listed as a provided appliance. The fixed allowance for a tenant-owned range/microwave was applied.",
"utility": "Range/Microwave (Tenant-owned)",
"allowance": 6
}
],
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{
"summary": "Overall this appears to be a largely rent-ready, move-in condition 2-bed single family with a new roof and updated electrical/ductwork according to the listing and supported by photos. Most issues visible are cosmetic or minor capital repairs (deck sealing, paint touch-ups). The main inspection risks are unverifiable items in photos — presence/operation of HVAC, water heater, electrical panel, and required alarms (smoke/CO/GFCI). With basic verification and installation of detectors (if missing) this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Photos show a recently shingled roof, intact vinyl siding, sealed painted masonry chimney and generally clean interior finishes (laminate floors, tile in kitchen). Exterior wood steps and small porch decking show weathering and would benefit from sanding/sealing or minor replacement of a few boards. Interior cosmetic wear (scuffs on walls, window coverings) is present but not extensive. No evidence of collapsed ceilings, exposed subfloor, or major interior damage. Missing appliances are not shown in photos; their absence would be an easy-to-fix capital item and is scored as a minor reduction."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.0,
"rationale": "No active life‑threatening hazards visible: ceilings appear sound, no visible severe water stains or mold, handrails are present at the front steps, windows present for egress in bedrooms. However, smoke detectors and carbon monoxide alarms are not visible in provided interior photos (common NSPIRE checkpoints). GFCI presence in kitchen/bath not verifiable from photos. Electrical wiring visible in photos is contained and outlet covers are present. Sidewalk and small driveway show minor cracks but no major trip hazard. Because a few required safety items are not shown and would need verification/installation, this introduces moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 75.0,
"rationale": "Listing states 'brand-new roof' and 'updated electrical and ductwork' and photos corroborate a new-looking roof and intact exterior vents. No HVAC condenser, water heater, or electrical panel are shown in photos for independent verification. Flooring and interior vents suggest ducted HVAC exists, but operational status of heating/cooling and hot water cannot be confirmed from photos and must be verified. Given listing claims and absence of visible damage to systems, assign a generally good score with residual verification risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Front yard and lot are maintained; siding and trim appear in good condition; foundation block is intact though shows surface staining at grade (typical). Gutters are present and roof transitions look clean. Concrete walkway has minor cracking but no major settlement. Porch supports and skirting are present; porch wood shows weathering but appears structurally intact from photos. No visible rodent/infestation signs or standing water observed."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement that roof, electrical and ductwork were recently updated is accurate; photos support a newer roof.",
"Central HVAC is present and connected (ductwork visible/mentioned) though the outdoor condenser is not shown in photos.",
"Water heater and functional hot water are present but not photographed; plumbing appears intact with no visible leaks.",
"Smoke detectors and CO alarms are not visible in photos and should be installed/verified prior to inspection.",
"GFCI protection in kitchen/bathrooms is not visible from photos and will require verification or installation.",
"No hidden structural issues (foundation movement, major roof leaks) beyond the visible light staining on foundation were inferred from photos; severe hidden issues are not suspected based on current imagery.",
"Appliances (stove/refrigerator) are not shown; missing appliances would be considered repair/capital items but not an automatic inspection fail unless gas/electrical hookups are unsafe."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2BR single-family appears likely to pass an initial HCV/NSPIRE inspection after routine pre-rental work. The listing and photos indicate a new roof and updated electrical/ductwork, intact siding and foundation, and generally clean interior finishes. Main items to verify and address prior to leasing: installation/verification of smoke and carbon monoxide detectors, GFCI protection in kitchen/bath, confirm HVAC and hot water operation, and minor carpentry on the weathered entry decks/stairs. No visible major structural, roof, or life-threatening hazards were observed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show generally well-maintained finishes: laminate flooring in good condition, painted walls, sealed/painted brick fireplace, and an updated exterior (siding looks intact). Cosmetic issues visible: weathered front/side wooden stairs and porch decking, small concrete sidewalk cracks, some foundation staining at grade, and minor exterior trim wear. Listing notes renovated kitchen and bathroom but kitchen appliances are not shown; missing appliances would be a moderate, easy-to-fix item. Overall these are mostly cosmetic or small capital repairs rather than major structural work."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 75.0,
"rationale": "Visible positive items: secure entry door with a deadbolt and knob lock, intact windows that appear to provide egress, no visible exposed wiring, exterior stairs have railings on both sides. Risks/unknowns: no smoke detectors or CO alarms are visible in photos (required by NSPIRE/HUD), GFCI protection in kitchen/bath not observable, kitchen and bathroom fixtures not shown for operational check, and porch decking shows weathering that could be a splinter/trip hazard if deteriorated. No obvious active leaks, collapsed ceilings, or structural sagging visible. Based on listing (updated electrical) and photos, immediate life-safety hazards are not evident but routine safety items (smoke/CO detectors, GFCI outlets, stair treads/fasteners) should be confirmed/installed."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 78.0,
"rationale": "Listing explicitly states a brand-new roof and updated electrical and ductwork; exterior photos support a newer shingle roof and visible floor vents indicate central HVAC/duct presence. Electrical panel and water heater are not photographed, and no HVAC equipment or water heater is shown. Plumbing fixtures and hot water operation are not documented in photos. Given the listing claims and visible vents, major systems appear recently updated, but critical items (hot water, water heater age, furnace/AC operational status, electrical panel labeling/GFCI) need verification during inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Yard is maintained and free of debris, siding and foundation look intact, and the property sits on a level lot with clear sidewalks. There are minor sidewalk cracks and evidence of some staining at foundation grade, but no standing water, significant erosion, or visible foundation displacement in photos. The raised block foundation appears stable and crawlspace vents are present. The front and side wooden steps are weathered and would benefit from resealing or minor repairs to mitigate slip/splinter risk."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement that roof, electrical and ductwork were recently updated is accurate and reflects properly installed systems.",
"Central HVAC exists and is operational (floor vents visible), although the outdoor condenser/furnace and water heater were not photographed.",
"Kitchen and bathroom renovations referenced in the listing are functional; appliances (stove/fridge) are not shown and may or may not be provided for a tenancy.",
"Windows are operable for egress based on size and typical sash configuration shown, though this must be confirmed on inspection.",
"No hidden post-storm or plumbing damage exists behind walls that would change structural or safety assessment (no signs of active leaks visible)."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2-bedroom single-family home appears largely turnkey for Section 8 rental based on photos and the listing. The property shows a recently replaced roof and updated electrical/ductwork per the listing, tidy interior finishes, intact siding and a maintained lot. Main inspection risks are: no smoke/CO detectors visible in photos (must be installed/verified), unshown mechanicals (water heater, electrical panel, HVAC condenser) that should be verified operational, and weathered front wooden steps that need fastening/sealing. None of the visible conditions indicate structural failure or life-threatening hazards; with verification of systems and installation of required detectors/GFCIs the home is likely to pass an initial HCV/NSPIRE inspection after minor fixes (estimated rent-ready within 1–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 80.0,
"rationale": "Property photos show generally clean, recently updated interior finishes (laminate floors, painted walls) and an updated kitchen/bathroom per listing. Exterior siding and new roof appear in good visual condition. Observable deferred items are limited to weathered front wooden porch/decking and stairs (surface wear, some graying wood) and minor cosmetic scuffs at baseboards and trim. Concrete walk has small cracks but is intact. Missing appliances are not visible in the photos (kitchen not shown) — listing does not call out missing range/refrigerator; missing appliances would be an easy-to-fix capital item. Overall repairs appear minor/cosmetic and will not require heavy rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No visible exposed wiring, electrical hazards, or collapsed ceilings in photos. Entry door is secure and shows both knob lock and deadbolt. Front steps have handrails on both sides. Windows appear full-size and likely provide egress (bedroom windows visible), but egress dimensions cannot be confirmed from photos. Critical safety items are not visible: no smoke detectors or carbon monoxide detectors are shown in interior photos; GFCI receptacles in kitchen/bath are not visible. Crawlspace vents are present and foundation shows surface staining but no obvious major cracks. Sidewalk cracking presents a minor trip hazard. These are mostly fixable prior to move-in (install detectors, verify GFCI), but absence of documented detectors lowers the safety score."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 75.0,
"rationale": "Listing states a brand-new roof and updated electrical and ductwork; photos corroborate a visibly new shingle roof. Interior floor vents and base registers are present indicating central HVAC ducting; an exterior condenser unit is not shown but ductwork and registers imply a system is present. Electrical panel, water heater and furnace are not pictured so their condition is unconfirmed. No signs of active leaks, major plumbing failure, or roof sagging are visible. Given the listing claims and lack of visible system failures, mechanical risk is moderate but would benefit from verification of HVAC operation, water heater, and electrical panel labeling."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, walkways, foundation",
"score": 78.0,
"rationale": "Exterior siding, trim and gutters appear intact; foundation block shows some staining near grade but no visible major settlement or large cracks in photos. Lot is maintained (mowed) and yard is free of debris or obvious infestation. Concrete sidewalk has hairline to moderate cracks and a slight offset at the curb — minor trip hazards. Front wooden stairs and landing are weathered and would benefit from sealing/fastener check. Overall the site condition is good with routine maintenance items needed."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos — install/verify before inspection.",
"Front wooden porch/landing and stairs appear weathered and should be checked for loose boards/fasteners (potential fall hazard).",
"Concrete sidewalk has cracks and a slight offset at the curb — minor trip hazard that should be addressed or noted."
],
"confidence": 0.7,
"assumptions": [
"Listing statements (brand-new roof, updated electrical and ductwork) are accurate and the work was completed to code.",
"A central HVAC system exists and is operable (floor registers and ductwork visible); external condenser may be present but not photographed.",
"A water heater and functioning plumbing are present but not pictured; hot water is assumed available.",
"Bedroom windows meet egress size requirements or can be made compliant; photos show full-size windows but dimensions are not confirmed.",
"Smoke and carbon monoxide detectors are not installed or not visible in provided photos and therefore should be verified/installed prior to inspection.",
"Kitchen appliances (stove/refrigerator) are not shown; if missing they would be considered capital items but not an automatic safety fail."
],
"overall_score": 76.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2808 Avenue H, Birmingham, AL, 35218",
"aggregate": {
"summary": "Overall this appears to be a largely rent-ready, move-in condition 2-bed single family with a new roof and updated electrical/ductwork according to the listing and supported by photos. Most issues visible are cosmetic or minor capital repairs (deck sealing, paint touch-ups). The main inspection risks are unverifiable items in photos — presence/operation of HVAC, water heater, electrical panel, and required alarms (smoke/CO/GFCI). With basic verification and installation of detectors (if missing) this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 79.3,
"rationale": "Photos show a recently shingled roof, intact vinyl siding, sealed painted masonry chimney and generally clean interior finishes (laminate floors, tile in kitchen). Exterior wood steps and small porch decking show weathering and would benefit from sanding/sealing or minor replacement of a few boards. Interior cosmetic wear (scuffs on walls, window coverings) is present but not extensive. No evidence of collapsed ceilings, exposed subfloor, or major interior damage. Missing appliances are not shown in photos; their absence would be an easy-to-fix capital item and is scored as a minor reduction."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 79.3,
"rationale": "Front yard and lot are maintained; siding and trim appear in good condition; foundation block is intact though shows surface staining at grade (typical). Gutters are present and roof transitions look clean. Concrete walkway has minor cracking but no major settlement. Porch supports and skirting are present; porch wood shows weathering but appears structurally intact from photos. No visible rodent/infestation signs or standing water observed."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 71.7,
"rationale": "No active life‑threatening hazards visible: ceilings appear sound, no visible severe water stains or mold, handrails are present at the front steps, windows present for egress in bedrooms. However, smoke detectors and carbon monoxide alarms are not visible in provided interior photos (common NSPIRE checkpoints). GFCI presence in kitchen/bath not verifiable from photos. Electrical wiring visible in photos is contained and outlet covers are present. Sidewalk and small driveway show minor cracks but no major trip hazard. Because a few required safety items are not shown and would need verification/installation, this introduces moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 76.0,
"rationale": "Listing states 'brand-new roof' and 'updated electrical and ductwork' and photos corroborate a new-looking roof and intact exterior vents. No HVAC condenser, water heater, or electrical panel are shown in photos for independent verification. Flooring and interior vents suggest ducted HVAC exists, but operational status of heating/cooling and hot water cannot be confirmed from photos and must be verified. Given listing claims and absence of visible damage to systems, assign a generally good score with residual verification risk."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing statement that roof, electrical and ductwork were recently updated is accurate; photos support a newer roof.",
"Central HVAC is present and connected (ductwork visible/mentioned) though the outdoor condenser is not shown in photos.",
"Water heater and functional hot water are present but not photographed; plumbing appears intact with no visible leaks.",
"Smoke detectors and CO alarms are not visible in photos and should be installed/verified prior to inspection.",
"GFCI protection in kitchen/bathrooms is not visible from photos and will require verification or installation.",
"No hidden structural issues (foundation movement, major roof leaks) beyond the visible light staining on foundation were inferred from photos; severe hidden issues are not suspected based on current imagery.",
"Appliances (stove/refrigerator) are not shown; missing appliances would be considered repair/capital items but not an automatic inspection fail unless gas/electrical hookups are unsafe."
],
"score_method": "mean_of_criteria",
"overall_score": 76.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8807357557"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.