Property ID: 8815547841

101 60th St, Fairfield, AL, 35064

Fairfield, AL

For Sale Feb 16, 2026 01:57 AM UTC Realtor Zillow Street View
Money Down: $20,400 CoC Return: 20.95% Monthly Cash Flow: $356
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Primary property image

Investment Snapshot

Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
20.95%
Rent
$1,049
Monthly Cash Flow
$356
Annual Cash Flow
$4,274
Debt Service / Mo
$452
Property Tax / Mo
$61
Insurance / Mo
$74

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,049
Payment Standard
$1,584
Rent
$1,049
Insurance
$74
Property Tax
$61
Management
$105
Utilities Allowance
$535
NOI (Monthly)
$809
Debt Service
$452
Cash Flow After Debt
$356

Quality Score: 67.90%

Confidence: 95.00%

Overall the property looks like a sound, older brick single-family home with mainly cosmetic and minor-repair items. The exterior and interior show no evidence of structural collapse or active roof failure. Primary inspection risks are missing visible smoke/CO detectors, at least one exposed switch plate, an unsecured yard access/cover, and lack of visible mechanical equipment (electrical panel, water heater, HVAC) in photos — these increase uncertainty but are usually straightforward to remediate. Likely outcome: moderate chance of passing an initial HCV/NSPIRE inspection after addressing obvious safety items (installing detectors, covering exposed wiring, securing yard access) and confirming mechanical systems are operational. Estimated time to pass: 1–4 weeks if systems are functional and quick fixes are completed; longer if hidden mechanical work is needed.

Section 8 Payment Standard
$1,584
Utility Allowance Total
$535
Guaranteed Section 8 Rent (PS - Utilities)
$1,049
Property Management
$105

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$85,000
Beds
3
Baths
1.5
Living Area
1,540 sqft
Lot Size
6,534 sqft
Year Built
1957
Days on Market
284
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$61
Insurance / Mo
$74

Property Description

BEST DEAL IN TOWN!! THIS HOUSE IS PERFECT FOR FIRST TIME HOME BUYER. A LOT OF BANG FOR YOUR BUCKS. HARDWOOD FLOORS THROUGHOUT, 4 SIDED BRICKS, ENTERTAINMENT PATIO AND FENCED BACK YARD. THIS HOUSE HAS A SPACIOUS DEN. SEPARATE DINING ROOM, BEAUTIFUL PICTURE WINDOW IN THE LIVING ROOM, (GREAT FOR YOUR CHRISTMAS TREE). THIS HOUSE HAS A 2 CAR GARAGE PLUS PRIVATE DRIVE WAY, FOR ALL YOUR VEHICLES. THE OWNER IS SELLING "AS IS" SO BRING YOUR PAINT BRUSH AND A COUPLE OF MINOR REPAIRS BUT THE VALUE IS THERE! AGAIN, BEST DEAL IN TOWN!!!

Utility Allowances

Heating
$93
Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The listing indicates 'Central' heating. Electric fuel was inferred from the presence of an electric water heater and electric dryer hookup, and Alabama Power is the primary provider in the area.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. The property has 'Central Air', and Alabama Power is the assumed electric provider.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. Electric cooking is assumed based on other electric appliances (water heater, dryer hookup) and the absence of gas fuel mentions.
Water Heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. The property explicitly lists an 'Electric Water Heater'.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electric use, including lights and outlets. Alabama Power is the assumed provider.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit. The property is listed as having 'Public Water', and Fairfield is served by the Birmingham Water Works Board.
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)' based on the property's location in Fairfield, AL.
Range/Microwave
$6
Selected the fixed allowance. A microwave is not mentioned as being provided by the landlord, so it is assumed to be tenant-owned.

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$740
DP3 Annual Estimate$1,047
DP1 Monthly Equivalent$62
DP3 Monthly Equivalent$87
Replacement Value$93,500
Basis1,540 sqft / 1957

Nearby Houses

Nearby house 1
Photo unavailable

114 60th St

sold · 0.04 mi
Price: $120,000
3 bd / 2 ba · 1,290 sqft
Latest sale: $120,000 on Jun 27, 2025
Latest rent: $1,400 on Jul 08, 2025
Nearby house 2
Photo unavailable

105 59th St W

sold · 0.06 mi
Price: $25,001
4 bd / 2 ba · 1,736 sqft
Latest sale: $25,001 on Aug 03, 2018
Latest rent: —
Nearby house 3
Photo unavailable

129 60th St

sold · 0.06 mi
Price: $65,000
3 bd / 2 ba · 1,398 sqft
Latest sale: $65,000 on Oct 22, 2021
Latest rent: —
Nearby house 4
Photo unavailable

6015 Terrace Ave

sold · 0.07 mi
Price: $18,000
3 bd / 2 ba · 980 sqft
Latest sale: $18,000 on Jul 16, 2020
Latest rent: —
Nearby house 5
Photo unavailable

129 61st St

sold · 0.09 mi
Price: $19,000
2 bd / 1 ba · 756 sqft
Latest sale: $19,000 on Jul 07, 2025
Latest rent: $1,250 on Nov 10, 2025

Risk and Criteria Detail

Red Flags

  • success
  • Electrical hazard: missing switch/switchplate with exposed wiring visible in living area.
  • No visible smoke detectors or CO alarms in photos (required NSPIRE safety items).
  • Uncovered/uncertain yard access cover or riser in front yard — potential trip/entrapment hazard if unsecured.
  • Mechanical systems not shown (no visible furnace/AC or water heater in photos) — heating/HVAC and water heater condition unverified and must be confirmed before inspection.

Assumptions

  • Utilities (electric, water) are connected to the home; kitchen appliances pictured are powered and plumbing is functional.
  • The visible round cover in the front yard is a septic or utility access riser and may be accessible — its condition is unknown and requires inspection.
  • There is a working heating/cooling system present in the house though not pictured; absence of visible HVAC equipment does not prove none exists.
  • No significant mold, termite damage, or hidden water intrusion are present beyond what is visible in photos (no staining/sagging ceilings observed).
  • Smoke and carbon monoxide detectors are not present or not visible in provided photos and should be assumed missing until confirmed.
  • Electrical panel and service capacity are functional but not visible; missing switchplate indicates at least one minor electrical safety repair is needed.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $711 $106,700 $10,680
2015 $364 $73,800 $7,380
2013 $356 $72,600 $7,260
2012 $356 $72,550 $7,255
2011 $364 $73,800 $7,380
2010 $364 $73,800 $7,380
2009 $332 $69,100 $6,910

Sale History

DateEventPrice
2025-10-20 Price Changed $85,000
2025-05-08 Listed $95,000

Photo Gallery

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        "utility": "Sewer",
        "allowance": 151
      },
      {
        "note": "Selected 'Fairfield Inside City Limits (ISCL)' based on the property's location in Fairfield, AL.",
        "utility": "Trash Collection",
        "allowance": 40
      },
      {
        "note": "Selected the fixed allowance. A microwave is not mentioned as being provided by the landlord, so it is assumed to be tenant-owned.",
        "utility": "Range/Microwave",
        "allowance": 6
      }
    ],
    "cash_on_cash_return": 0.57,
    "down_payment_amount": 17000.0,
    "property_tax_annual": 732.33,
    "property_tax_monthly": 61.03,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 535.0,
    "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": 4274.5,
    "property_management_monthly": 104.9,
    "monthly_cash_flow_after_debt": 356.21,
    "cash_on_cash_return_after_debt": 0.25
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall the property looks like a sound, older brick single-family home with mainly cosmetic and minor-repair items. The exterior and interior show no evidence of structural collapse or active roof failure. Primary inspection risks are missing visible smoke/CO detectors, at least one exposed switch plate, an unsecured yard access/cover, and lack of visible mechanical equipment (electrical panel, water heater, HVAC) in photos — these increase uncertainty but are usually straightforward to remediate. Likely outcome: moderate chance of passing an initial HCV/NSPIRE inspection after addressing obvious safety items (installing detectors, covering exposed wiring, securing yard access) and confirming mechanical systems are operational. Estimated time to pass: 1–4 weeks if systems are functional and quick fixes are completed; longer if hidden mechanical work is needed.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 70.0,
            "rationale": "Interior finishes are generally intact with finished hardwood floors visible in most rooms and no widespread drywall or ceiling collapse. Cosmetic wear, dated finishes and some surface damage are present (scuffed floors, older cabinetry, tile counters). Kitchen shows a refrigerator and dishwasher; a range/stove is not pictured (may be missing). Several rooms have dated fixtures and need paint and minor repairs. Overall deficiencies look like cosmetic/maintenance items and small repair tasks rather than major rehab."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 60.0,
            "rationale": "Photos do not show smoke detectors or CO alarms — none visible on ceilings or walls. There is at least one missing switch/cover plate (exposed electrical hazard) visible in living area. Front steps have handrails but they are low-profile; steps and walkway appear serviceable. No signs of active roof leaks or collapsed ceilings in photos. GFCI outlets near kitchen/bath are not visible. A round access/cover in the front yard (possible septic/utility riser) is a potential trip/safety hazard if unsecured. Bedrooms appear to have windows for egress but full egress compliance cannot be confirmed from photos. These visible items are moderate inspection risks but appear fixable."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems condition (HVAC, plumbing, electrical, roof)",
            "score": 65.0,
            "rationale": "Exterior photo shows a metal roof in visually good condition. Plumbing fixtures (kitchen sink, toilets, tubs) are present and appear intact in photos. Dishwasher and refrigerator visible which suggests plumbing/electrical service to kitchen. Electrical panel and water heater are not shown. No clear photo of an active forced-air HVAC or furnace; ceiling fans are present. Lack of visible mechanical equipment increases uncertainty but visible systems do not show catastrophic failure."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope & site condition",
            "score": 75.0,
            "rationale": "Four-sided brick exterior appears solid and well-maintained; metal roof looks intact. Yard is mowed and chain-link fencing is visible. Walkway and front steps show normal wear but are serviceable; driveway and two-car garage stated in listing. The round cover/riser in front yard is an exterior safety/site concern that should be inspected to ensure secure cover and proper grading/drainage. No visible foundation cracking or major siding damage in provided photos."
          }
        ],
        "red_flags": [
          "Electrical hazard: missing switch/switchplate with exposed wiring visible in living area.",
          "No visible smoke detectors or CO alarms in photos (required NSPIRE safety items).",
          "Uncovered/uncertain yard access cover or riser in front yard — potential trip/entrapment hazard if unsecured.",
          "Mechanical systems not shown (no visible furnace/AC or water heater in photos) — heating/HVAC and water heater condition unverified and must be confirmed before inspection."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Utilities (electric, water) are connected to the home; kitchen appliances pictured are powered and plumbing is functional.",
          "The visible round cover in the front yard is a septic or utility access riser and may be accessible — its condition is unknown and requires inspection.",
          "There is a working heating/cooling system present in the house though not pictured; absence of visible HVAC equipment does not prove none exists.",
          "No significant mold, termite damage, or hidden water intrusion are present beyond what is visible in photos (no staining/sagging ceilings observed).",
          "Smoke and carbon monoxide detectors are not present or not visible in provided photos and should be assumed missing until confirmed.",
          "Electrical panel and service capacity are functional but not visible; missing switchplate indicates at least one minor electrical safety repair is needed."
        ],
        "overall_score": 67.0,
        "rubric_version": "nsPIRE-v1.0-2026"
      },
      {
        "summary": "This 1957 brick single-family house appears structurally sound and mostly turnkey with cosmetic updates. Key issues for NSPIRE readiness: no visible smoke/CO detectors, likely missing or non-GFCI kitchen protection, unverified HVAC/electrical/water‑heater systems, and a deteriorated front step trip hazard. With installation of detectors, verification/repair of mechanicals, minor electrical fixes (GFCI/plate covers), and step repair the property should pass an initial HCV inspection within 2–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior pictures show generally intact hardwood floors, functioning sinks and toilets, intact cabinetry and tile counters in kitchen. Cosmetic wear is present (scuffs, dated finishes, some cabinet base damage near stove area, missing switch/plate cover visible). Appliances: refrigerator and dishwasher are present; no conventional range/oven seen in photos (may be missing). Overall the unit appears liveable after modest cosmetic repairs and a few minor replacements; no extensive demolition or major finish failures visible."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk (NSPIRE)",
            "score": 60.0,
            "rationale": "No smoke detectors or CO alarms are visible in photos (required). Kitchen outlets near sink do not show obvious GFCI protection (risk of non-compliance). Front steps have railings on both sides but concrete steps show chipping and uneven edges that are a trip hazard. Bathrooms have grab bars and intact tile; no obvious active water intrusion or mold seen. Electrical panel and major wiring not shown; a missing switch plate is visible. Based on these observations there are several moderate NSPIRE compliance items that need verification and correction prior to inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 60.0,
            "rationale": "Roof (metal) appears in good visible condition from the front photo. Major systems (HVAC equipment, water heater, electrical panel) are not shown in photos so their operational condition is unverified. No visible signs of severe plumbing failure or active leaks inside. Because heating/cooling and service panels were not photographed they are a medium inspection risk until confirmed operational; absence of visible HVAC or water heater lowers the score moderately despite otherwise intact finishes."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 80.0,
            "rationale": "Exterior brick envelope looks sound; metal roof appears intact and gutters/soffits visible and reasonable. Yard is fenced, driveway and 2-car garage visible, and property is generally maintained. Front concrete steps show wear/chipping and will require repair to remove trip hazard, but no evidence of foundation settlement, major siding damage, or standing water was observed in provided photos."
          }
        ],
        "red_flags": [
          "No visible smoke detectors (NSPIRE requires functioning smoke alarms) - must be installed/verified.",
          "No visible carbon monoxide alarm present/verified (if fuel-burning appliances present).",
          "Kitchen outlets near sink do not appear to have GFCI protection — likely NSPIRE deficiency.",
          "Front concrete steps show chipping/uneven surfaces creating a trip hazard that could fail inspection.",
          "Major systems (heating, water heater, electrical panel) not shown/verified — unknown operational status is an inspection risk.",
          "Missing switch/outlet plate(s) visible (electrical safety hazard)."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Smoke detectors and carbon monoxide alarms are not visible in photos and therefore assumed absent or unverified; these will need to be installed/verified.",
          "HVAC equipment (furnace/air handler, AC condensing unit) and water heater exist but were not photographed; their operational status is unknown and assumed needing verification and possibly service.",
          "Electrical panel condition and circuit labeling were not shown; assumed typical for house of this age and requiring standard inspection for safety/GFCI compliance.",
          "A conventional range/oven is not visible in photos; assume the stove may be missing or not pictured and would need to be provided or confirmed.",
          "No visible signs of active roof leaks, major foundation movement, collapsed ceilings, or severe mold in photos; assuming none present but recommend on-site inspection to confirm.",
          "Because the property was built in 1957, lead-based paint risk is possible; assume lead disclosure and risk evaluation are required per HUD rules."
        ],
        "overall_score": 68.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This brick single‑family house appears structurally sound with intact roof, solid exterior and generally good interior finishes (hardwood floors, functional kitchens/baths). Primary inspection risks are code items that are easy-to-fix: no visible smoke/CO detectors, an exposed/chandelier wiring issue, likely missing/uncertain GFCI at sink, and several cosmetic updates needed. Major systems (HVAC, electrical panel, water heater) are not photographed and should be verified; nothing in the provided photos indicates structural failure, active leaks, collapsed ceilings, or severe mold. With targeted fixes (install detectors, repair exposed wiring, address GFCI/outlet covers, minor paint/finish work and verify/repair mechanical systems if needed) the property is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection within 1–4 weeks depending on mechanical verifications and any required permits.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior photos show generally intact hardwood floors, functional cabinetry and tiled kitchen counters; cosmetic wear (scuffs, worn cabinet toe-kicks, stained floors in places), dated finishes, paint touch-ups needed, and at least one light fixture replaced/removed (exposed bulb in a bedroom/dining). Kitchen has a refrigerator and dishwasher visible; the stove is not pictured but seller notes 'as-is'. No collapsed ceilings or exposed subfloor visible. These are mostly cosmetic/medium repairs and would be classified as easy-to-fix or capital items rather than structural."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risks (NSPIRE)",
            "score": 60.0,
            "rationale": "No smoke detectors or CO detectors are visible in any interior photo — smoke detectors are required and are commonly checked on initial inspection. Bathrooms show grab bars and accessible fixtures but GFCI protection near the kitchen sink is not clearly visible. There is a chandelier/dining light with visible hanging wiring; that represents an electrical hazard that must be corrected. Entry looks to be a solid metal door with porch railings present; bedroom windows appear adequate for egress but exact sill heights cannot be confirmed from photos. No evidence of active leaks, major mold, or collapsed ceilings. Overall there are several code items likely to need attention (install/verify detectors, secure exposed wiring, verify GFCI), creating a moderate inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (roof, HVAC, electrical, plumbing)",
            "score": 60.0,
            "rationale": "Roof appears to be a newer metal roof in good visual condition from the front elevation photos. Plumbing fixtures visible (kitchen sink, bathroom sinks, toilets, tub/shower) appear intact with no visible active leaks. Water heater, HVAC equipment and electrical panel are not shown in photos; ceiling fans are present, suggesting electrical service is functioning in rooms. Because the central heating/AC equipment, water heater and electrical panel condition are unverified, a conservative mid-level score is applied — likely functional but requires verification and possible service/updates given the house age (built 1957)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 80.0,
            "rationale": "Brick exterior and a metal roof are visible and appear in good condition. Front porch and stairs are intact with handrails on both sides; driveway and fenced yard are present and usable. Some concrete/stair wear and minor landscaping maintenance are needed but nothing indicating foundation movement, significant drainage failure, or major exterior neglect in photos. Two-car garage is referenced in listing though interior of garage not shown. Overall exterior risk is low."
          }
        ],
        "red_flags": [
          "Exposed wiring at chandelier/dining area (electrical hazard) visible in photos — needs immediate correction.",
          "No smoke detectors or carbon monoxide alarms visible — NSPIRE requires functioning alarms in place before tenancy.",
          "GFCI protection/outlet condition at kitchen sink not verifiable from photos and should be confirmed/updated if missing."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Smoke detectors and carbon monoxide alarms are not present (none visible in photos) and will need installation/verification.",
          "Central HVAC, water heater and electrical panel exist and are operational but their condition is unverified because none are shown; score presumes typical functioning but allows risk for repair.",
          "Kitchen fridge and dishwasher are present (visible); the stove/oven is not pictured — assume one will be provided or installed prior to tenancy but absence would be a moderate replacement cost, not a structural fail.",
          "Windows in bedrooms provide required egress dimensions typical for a 1957 house; exact measurements not available so egress compliance is assumed likely but should be confirmed.",
          "No evidence of significant hidden water intrusion, major mold, or foundation movement is visible in provided photos; assume none present unless further inspection reveals otherwise.",
          "Electrical panel, circuit condition and required GFCI protection are unverified; assume some updates may be required given age.",
          "Garage, rear yard and side foundation areas were not photographed; exterior condition assessment is based on pictured frontage and yard."
        ],
        "overall_score": 68.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "101 60th St, Fairfield, AL, 35064",
    "aggregate": {
      "summary": "Overall the property looks like a sound, older brick single-family home with mainly cosmetic and minor-repair items. The exterior and interior show no evidence of structural collapse or active roof failure. Primary inspection risks are missing visible smoke/CO detectors, at least one exposed switch plate, an unsecured yard access/cover, and lack of visible mechanical equipment (electrical panel, water heater, HVAC) in photos — these increase uncertainty but are usually straightforward to remediate. Likely outcome: moderate chance of passing an initial HCV/NSPIRE inspection after addressing obvious safety items (installing detectors, covering exposed wiring, securing yard access) and confirming mechanical systems are operational. Estimated time to pass: 1–4 weeks if systems are functional and quick fixes are completed; longer if hidden mechanical work is needed.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Visible condition & repairs",
          "score": 73.3,
          "rationale": "Interior finishes are generally intact with finished hardwood floors visible in most rooms and no widespread drywall or ceiling collapse. Cosmetic wear, dated finishes and some surface damage are present (scuffed floors, older cabinetry, tile counters). Kitchen shows a refrigerator and dishwasher; a range/stove is not pictured (may be missing). Several rooms have dated fixtures and need paint and minor repairs. Overall deficiencies look like cosmetic/maintenance items and small repair tasks rather than major rehab."
        },
        {
          "key": "exterior_site",
          "label": "Exterior envelope & site condition",
          "score": 78.3,
          "rationale": "Four-sided brick exterior appears solid and well-maintained; metal roof looks intact. Yard is mowed and chain-link fencing is visible. Walkway and front steps show normal wear but are serviceable; driveway and two-car garage stated in listing. The round cover/riser in front yard is an exterior safety/site concern that should be inspected to ensure secure cover and proper grading/drainage. No visible foundation cracking or major siding damage in provided photos."
        },
        {
          "key": "safety_code",
          "label": "Section 8 / NSPIRE safety & code risk",
          "score": 60.0,
          "rationale": "Photos do not show smoke detectors or CO alarms — none visible on ceilings or walls. There is at least one missing switch/cover plate (exposed electrical hazard) visible in living area. Front steps have handrails but they are low-profile; steps and walkway appear serviceable. No signs of active roof leaks or collapsed ceilings in photos. GFCI outlets near kitchen/bath are not visible. A round access/cover in the front yard (possible septic/utility riser) is a potential trip/safety hazard if unsecured. Bedrooms appear to have windows for egress but full egress compliance cannot be confirmed from photos. These visible items are moderate inspection risks but appear fixable."
        },
        {
          "key": "systems_mechanical",
          "label": "Major systems condition (HVAC, plumbing, electrical, roof)",
          "score": 61.7,
          "rationale": "Exterior photo shows a metal roof in visually good condition. Plumbing fixtures (kitchen sink, toilets, tubs) are present and appear intact in photos. Dishwasher and refrigerator visible which suggests plumbing/electrical service to kitchen. Electrical panel and water heater are not shown. No clear photo of an active forced-air HVAC or furnace; ceiling fans are present. Lack of visible mechanical equipment increases uncertainty but visible systems do not show catastrophic failure."
        }
      ],
      "red_flags": [
        "Electrical hazard: missing switch/switchplate with exposed wiring visible in living area.",
        "No visible smoke detectors or CO alarms in photos (required NSPIRE safety items).",
        "Uncovered/uncertain yard access cover or riser in front yard — potential trip/entrapment hazard if unsecured.",
        "Mechanical systems not shown (no visible furnace/AC or water heater in photos) — heating/HVAC and water heater condition unverified and must be confirmed before inspection."
      ],
      "confidence": 0.95,
      "assumptions": [
        "Utilities (electric, water) are connected to the home; kitchen appliances pictured are powered and plumbing is functional.",
        "The visible round cover in the front yard is a septic or utility access riser and may be accessible — its condition is unknown and requires inspection.",
        "There is a working heating/cooling system present in the house though not pictured; absence of visible HVAC equipment does not prove none exists.",
        "No significant mold, termite damage, or hidden water intrusion are present beyond what is visible in photos (no staining/sagging ceilings observed).",
        "Smoke and carbon monoxide detectors are not present or not visible in provided photos and should be assumed missing until confirmed.",
        "Electrical panel and service capacity are functional but not visible; missing switchplate indicates at least one minor electrical safety repair is needed."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 67.9,
      "rubric_version": "nsPIRE-v1.0-2026",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8815547841"
  }
}

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