6817 Division Ave, Birmingham, AL, 35206
Birmingham, AL
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Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 75.10%
Confidence: 92.00%
Overall the property appears rent-ready with mostly cosmetic items and minor site repairs needed. Interior finishes and trim are in good condition; the home shows evidence of recent maintenance and is an active rental that recently passed Section 8 inspection per listing. Primary inspection risks are limited to missing/required handrail at the front steps, vegetation against the envelope, a damaged side fence, and unknown but likely functional mechanicals (not shown). With minor repairs (installing a handrail, clearing vegetation, fixing fence, verifying GFCI and CO alarms, and confirming HVAC/water heater service) this property is likely to pass a new HCV/NSPIRE inspection within 1–4 weeks.
Property Fundamentals
Property Description
Welcome to this precious historic cottage in East Lake. Updated esthetics and a large lot make this a great home. Currently being used as a rental property, the tenants have loved it! Tenant was placed Late October 2025 passing ALL inspections with Section 8 authorities. Perfect opportunity to be acquired to continue to be used for investing purposes. This 3 bedroom 1 bathroom home has a great layout. This includes an open floor plan with dining area and updated kitchen. Extra bonus? In home laundry! Please contact agent for interest. Showings during tenant occupancy must be scheduled with 48 hours notice. (Agent interest owned property, agent related to seller.)
Utility Allowances
Source References
Insurance Quotes
Coverage Options
View QuoteNearby Houses
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6804 2nd Ave S
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- Missing/absent handrail at front steps (safety/code issue)
- Damaged/leaning side fence/gate at side yard (potential safety/egress concern)
Assumptions
- Listing statement that the unit passed Section 8 inspection recently is accurate and reflects functional heating, hot water, and basic life-safety systems at that time.
- Bedrooms have code-compliant egress windows (not individually pictured) because the home has been occupied and listed as Section 8-compliant.
- A smoke detector visible in the living area implies at least one alarm on the main level; presence of CO alarm and GFCI receptacles could not be verified and are assumed to be either present or easily installed.
- Door hardware includes a functioning lock; deadbolt presence is assumed but not clearly visible in photos.
- No active roof leaks, major foundation movement, or interior mold issues are present since photos show intact ceilings, floors, and trim and the home is currently occupied.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,534 | $105,800 | $21,160 |
| 2023 | $1,534 | $105,800 | $21,160 |
| 2022 | $762 | $52,600 | $10,520 |
| 2021 | $370 | $61,000 | $6,100 |
| 2020 | $370 | $61,000 | $6,100 |
| 2019 | $370 | $61,000 | $6,100 |
| 2018 | $316 | $53,500 | $5,360 |
| 2017 | $316 | $53,500 | $5,360 |
| 2016 | $316 | $53,500 | $5,360 |
| 2015 | $298 | $51,000 | $5,100 |
| 2013 | $243 | $44,500 | $4,460 |
| 2012 | $283 | $50,400 | $5,040 |
| 2011 | $403 | $67,700 | $6,770 |
| 2010 | $403 | $67,700 | $6,770 |
| 2009 | $423 | $70,600 | $7,060 |
| 2008 | $433 | $72,000 | $7,200 |
| 2007 | $407 | $68,200 | $6,820 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-04-22 | Sold | $95,000 |
| 2020-12-22 | Sold | $44,000 |
| 2000-07-03 | Sold | $45,505 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-05-01 | Listed for rent | $1,100 | — |
| 2025-04-07 | Listed for rent | $1,200 | — |
| 2024-12-20 | Listed for rent | $1,175 | — |
| 2024-11-12 | Listed for rent | $1,200 | — |
Photo Gallery
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"last_update_date": "2018-04-23T09:25:00Z",
"last_status_change_date": "2018-12-31T06:08:36Z"
},
"event_name": "Relisted",
"price_sqft": 47.10144927536232,
"source_name": "GreaterAlabamaMLS",
"price_change": 52000,
"days_after_listed": null,
"source_listing_id": "813825",
"price_change_percentage": null
},
{
"date": "2018-05-26",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2018-04-18T18:32:54Z",
"list_price": 52000,
"listing_id": "632272651",
"last_update_date": "2018-04-23T09:25:00Z",
"last_status_change_date": "2018-12-31T06:08:36Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "38 days",
"source_listing_id": "813825",
"price_change_percentage": null
},
{
"date": "2018-04-18",
"price": 52000,
"listing": {
"status": "off_market",
"list_date": "2018-04-18T18:32:54Z",
"list_price": 52000,
"listing_id": "632272651",
"last_update_date": "2018-04-23T09:25:00Z",
"last_status_change_date": "2018-12-31T06:08:36Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "813825",
"price_change_percentage": null
},
{
"date": "2018-04-14",
"price": 48000,
"listing": {
"status": "off_market",
"list_date": "2017-08-04T07:00:00Z",
"list_price": 48000,
"listing_id": "624111991",
"last_update_date": "2018-03-25T21:33:00Z",
"last_status_change_date": "2017-08-04T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 34.285714285714285,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "253 days",
"source_listing_id": "792111",
"price_change_percentage": null
},
{
"date": "2018-03-25",
"price": 48000,
"listing": {
"status": "off_market",
"list_date": "2017-08-04T07:00:00Z",
"list_price": 48000,
"listing_id": "624111991",
"last_update_date": "2018-03-25T21:33:00Z",
"last_status_change_date": "2017-08-04T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": 34.285714285714285,
"source_name": "GreaterAlabamaMLS",
"price_change": 9100,
"days_after_listed": null,
"source_listing_id": "792111",
"price_change_percentage": null
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{
"date": "2018-01-29",
"price": 38900,
"listing": {
"status": "off_market",
"list_date": "2017-08-04T07:00:00Z",
"list_price": 48000,
"listing_id": "624111991",
"last_update_date": "2018-03-25T21:33:00Z",
"last_status_change_date": "2017-08-04T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": 27.785714285714285,
"source_name": "GreaterAlabamaMLS",
"price_change": -9100,
"days_after_listed": null,
"source_listing_id": "792111",
"price_change_percentage": null
},
{
"date": "2017-08-04",
"price": 48000,
"listing": {
"status": "off_market",
"list_date": "2017-08-04T07:00:00Z",
"list_price": 48000,
"listing_id": "624111991",
"last_update_date": "2018-03-25T21:33:00Z",
"last_status_change_date": "2017-08-04T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 34.285714285714285,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "792111",
"price_change_percentage": "+5.49%"
},
{
"date": "2000-07-03",
"price": 45500,
"listing": null,
"event_name": "Sold",
"price_sqft": 41.21376811594203,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "$0"
},
{
"date": "2000-05-22",
"price": 45500,
"listing": {
"status": "off_market",
"list_date": "2000-01-06T07:00:00Z",
"list_price": 45500,
"listing_id": "542664695",
"last_update_date": "2002-07-07T12:00:00Z",
"last_status_change_date": "2000-05-22T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "137 days",
"source_listing_id": "58938",
"price_change_percentage": null
},
{
"date": "2000-01-06",
"price": 45500,
"listing": {
"status": "off_market",
"list_date": "2000-01-06T07:00:00Z",
"list_price": 45500,
"listing_id": "542664695",
"last_update_date": "2002-07-07T12:00:00Z",
"last_status_change_date": "2000-05-22T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "58938",
"price_change_percentage": "+63.40%"
},
{
"date": "1987-01-06",
"price": 27846,
"listing": null,
"event_name": "Sold",
"price_sqft": 25.222826086956523,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1985-08-01",
"price": 28000,
"listing": null,
"event_name": "Sold",
"price_sqft": 25.36231884057971,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8837949747",
"generated_at": "2026-02-16T02:21:33.835794Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 75.1
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears rent-ready with mostly cosmetic items and minor site repairs needed. Interior finishes and trim are in good condition; the home shows evidence of recent maintenance and is an active rental that recently passed Section 8 inspection per listing. Primary inspection risks are limited to missing/required handrail at the front steps, vegetation against the envelope, a damaged side fence, and unknown but likely functional mechanicals (not shown). With minor repairs (installing a handrail, clearing vegetation, fixing fence, verifying GFCI and CO alarms, and confirming HVAC/water heater service) this property is likely to pass a new HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Photos show a largely renovated interior with refinished hardwood floors, fresh paint, intact trim and millwork, and a sound porch surface. Exterior rock veneer and siding appear intact. Observable deferred items are cosmetic or minor: scuffed floor boards in places, peeling/aged paint on porch cap, overgrown vegetation against the house, and a damaged/leaning side fence/gate. No obvious collapsed or missing finishes. Missing kitchen/major appliance photos prevent direct verification but listing indicates it is an occupied rental with in-home laundry. Overall condition indicates mostly cosmetic and small repairs only."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 75.0,
"rationale": "A ceiling smoke detector is visible in a central room. No exposed wiring or visible electrical hazards in photos. Entry door looks solid and likely has locking hardware (deadbolt not clearly visible). Major life-safety hazards (collapsed ceilings, standing water, sagging structure) are not visible. Deficiencies: front steps lack a handrail and side gate/fence is damaged (trip/entrapment risk). GFCI receptacles, carbon monoxide alarm, electrical panel condition, bedroom egress windows and hot water presence cannot be fully verified from photos. Because listing states the unit recently passed Section 8 inspections, assume basic life-safety items were compliant at last inspection, but missing handrail is a likely local-code/inspector note if riser count triggers requirement."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 70.0,
"rationale": "No mechanical equipment (HVAC, furnace, water heater, electrical panel) is shown. The property is an occupied rental and listing claims it passed Section 8 inspection recently, implying major systems were operational at that time. The roof line appears straight with no visible sagging or active leaks in photos. Visible gas meter is intact at the front. Given age (1920) but renovated cosmetic condition, there is moderate risk of older hidden components; without photos of HVAC, water heater, and panel the conservative score reflects assumed operational status but uncertainty about remaining service life."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Street-facing exterior and porch are generally sound with attractive stone detailing and intact siding. Roof appears even with no visible decking or sagging issues. Site issues observed: vegetation and vines growing on siding/columns (can accelerate rot), a leaning/damaged wooden side gate/fence, small uneven concrete path, and some overgrown landscaping at foundation perimeter. No visible standing water, major foundation cracks, collapsed porches, or infestation evidence in the photos, but some maintenance needed to clear vegetation and repair fencing for tenant safety and long-term envelope health."
},
{
"key": "rental_history_activity",
"label": "Rental history / recent Section 8 activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing/absent handrail at front steps (safety/code issue)",
"Damaged/leaning side fence/gate at side yard (potential safety/egress concern)"
],
"confidence": 0.78,
"assumptions": [
"Listing statement that the unit passed Section 8 inspection recently is accurate and reflects functional heating, hot water, and basic life-safety systems at that time.",
"Bedrooms have code-compliant egress windows (not individually pictured) because the home has been occupied and listed as Section 8-compliant.",
"A smoke detector visible in the living area implies at least one alarm on the main level; presence of CO alarm and GFCI receptacles could not be verified and are assumed to be either present or easily installed.",
"Door hardware includes a functioning lock; deadbolt presence is assumed but not clearly visible in photos.",
"No active roof leaks, major foundation movement, or interior mold issues are present since photos show intact ceilings, floors, and trim and the home is currently occupied."
],
"overall_score": 75.0,
"rubric_version": "nsPIRE-v1.0-photo-assess-2026-02"
},
{
"summary": "Overall this 3-bed historic bungalow presents as a minor-repair property that is likely Section 8/NSPIRE-ready with minimal work. The unit shows good cosmetic condition, a working smoke detector visible in photos, intact windows and floors, and the listing and rental history indicate it has recently passed Section 8 inspections. Primary concerns to verify before a new inspection: presence/placement of carbon monoxide alarms (if required locally), GFCI protection in kitchen/bath, existence of a deadbolt on the entry, and confirmation that the HVAC, water heater and electrical panel are fully operational. Most observed issues are cosmetic or maintenance items (vegetation, fence/gate, small tile/trim repairs) and should be addressable quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show a largely well-maintained historic bungalow: painted exterior, intact windows, freshly painted porch and trim, and refinished-looking hardwood floors. Cosmetic wear exists (scuffs on floors, chipped tile at fireplace, minor peeling paint on trim, overgrown vegetation against foundation, and a leaning/partially-open wooden gate). Listing text states updated kitchen and in-home laundry and tenant occupancy. No evidence of collapsed or severely damaged finishes. Missing or unshown appliances were not penalized heavily because the property is currently rented and listing claims prior Section 8 inspections passed. Overall repairs are cosmetic/minor and likely addressable quickly."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 82.0,
"rationale": "Photos show at least one ceiling-mounted smoke detector in the living area. No visible exposed wiring, no sagging ceilings, no visible major foundation cracks, and no signs of active water intrusion or mold in the photos. Windows appear operational and bedroom-sized for egress; front entry has a locking knob (deadbolt not clearly visible). Porch has low stone walls acting as guards; front steps do not show a handrail (could be required depending on local code if risers exceed the threshold). GFCI outlets, carbon monoxide alarms, electrical panel, and bathroom conditions are not shown. Listing explicitly states the unit recently passed Section 8 inspections, which strongly suggests compliance with NSPIRE-required safety items, but unseen items (GFCI, CO alarm, deadbolt) are assumed present or easily remedied."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Plumbing, Electrical)",
"score": 75.0,
"rationale": "Roof lines visible in photos appear straight with no visible large sag or missing roof covering from the provided angles. Floor registers visible in interior photos indicate a central HVAC/forced-air distribution system is present; exterior condenser is not shown. No visible water stains under eaves or on ceilings. Electrical panel, water heater and HVAC condensing unit are not pictured, so their operational status is unverified. Given the property is currently rented and listing states it passed recent Section 8 inspection, it is likely the major systems are functioning, but absence of visible service equipment and no documentation reduces the score moderately."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.0,
"rationale": "Curb appeal is good: intact siding, stone porch columns, painted trim and an open front lawn. Some site issues: overgrown vegetation/vines on house columns and sides (can cause moisture/wood issues over time), a leaning/partially-open wooden side gate/fence and minor walkway cracking. Yard and sidewalks are generally usable and there is no visible standing water or major grading problem in photos. These are maintainable but should be corrected for long-term durability and inspector perception."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Section 8 Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that the unit passed Section 8 inspections is accurate and reflects recent inspection compliance.",
"At least one working smoke detector exists (visible in living room); additional detectors and CO alarms (if required) are assumed present or easily installed.",
"A central HVAC system is present and functional (floor registers visible), though the exterior condenser and service records were not provided.",
"Kitchen appliances and laundry are present or were present for the recent inspection per listing; absence in photos does not imply missing appliances.",
"Electrical panel and major mechanical equipment are in serviceable condition since there are no visible signs of system failure in photos and the unit passed recent Section 8 inspection.",
"Front steps appear to have 3–4 risers; local code/inspector may require a handrail if risers meet the threshold — this was not confirmed in photos.",
"No evidence of active roof leaks, major foundation movement or severe mold was visible in the supplied photos; absence of evidence is not proof of absence."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed historic bungalow appears well-maintained cosmetically and is likely to pass an initial Housing Choice Voucher (Section 8) inspection with only minor, quick fixes. The property shows polished interior finishes, intact windows and trim, an operational-looking porch and foundation, and a recorded recent rental history including a documented passing Section 8 inspection. Key follow-ups before leasing: verify central HVAC operation and water heater, confirm GFCI protection in kitchen/bath, verify presence/function of CO alarm (gas meter present), and add/repair a handrail at the front steps if required by the local inspector. Overall readiness: minor repairs and verification tasks; likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show a recently painted interior, intact hardwood floors with light wear, intact trim and millwork, and a solid-looking porch and stone foundation veneer. Minor deferred items visible: peeling paint at some exterior trim, vegetation/vines against siding, a broken/partially leaning wooden yard fence/gate at the side, some surface wear on porch steps and concrete walk. Kitchen appliances are not shown in photos (listing says updated kitchen and in-home laundry) — missing/undocumented appliances would reduce score moderately but are not a catastrophic failure. Overall cosmetic condition appears good with only minor repairs and routine maintenance needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 72.0,
"rationale": "A ceiling-mounted smoke detector is visible in living area photos. Windows appear operable and provide egress-sized openings in main rooms. No exposed wiring or visibly damaged electrical components are seen in the photos. The entry door looks secure; a deadbolt presence is not clearly visible in the images. The front porch steps have no handrail (three risers) which is a visible safety deficiency and may be flagged depending on inspector/local code. There is an active gas meter at the front elevation — carbon monoxide alarm presence is not visible in photos. No active roof leaks, sagging ceilings, or visible mold/staining in the provided images. Plumbing fixtures, hot water, and GFCI protection in kitchen/bath cannot be confirmed from photos. Given the listing statement that the tenant passed Section 8 inspections recently, many safety items are likely already compliant, but a few items (handrail, CO alarm verification, GFCIs at kitchen/bath) need confirmation or small repairs."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 68.0,
"rationale": "Major systems are not directly visible in the photos (no exterior HVAC condenser photographed, water heater and electrical panel not shown). Interior floor registers are present which suggests forced-air heating/AC. Listing notes active rental occupancy and explicitly states the tenant passed Section 8 inspection, implying systems were operational at that time. Because mechanicals are not pictured, score is conservative to reflect uncertainty; probable minor servicing (filter, HVAC tune, confirm water heater and electrical panel condition) will be required. No visible signs of roof failure or plumbing leaks in interior shots."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 74.0,
"rationale": "Exterior photos show a solid roofline and intact eaves with no obvious collapse or large missing sections. Stone porch and foundation veneer appear stable. Yard is level with no obvious standing water. Some overgrown vegetation close to the house and vines on siding are visible and should be trimmed to prevent moisture/wood damage. Side fence/gate is damaged/leaning and will need repair or replacement for tenant safety/privacy. Walk from sidewalk to porch is slightly uneven/aged but serviceable. Overall the site is functional with routine cleanup and spot repairs needed."
},
{
"key": "rental_history_activity",
"label": "Rental history (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.78,
"assumptions": [
"Listing statement and rental_history indicate the property passed a Section 8 inspection within the last 12 months; this is taken as accurate and reduces risk of major system failures.",
"An operational forced-air HVAC system and hot water were present at time of last inspection (inferred from floor registers and active tenancy) though condenser and water heater are not photographed.",
"Kitchen and laundry appliances exist per listing but were not photographed; absence would be a moderate issue but not a fatal inspection failure.",
"Smoke detector observed in the living area is functioning; carbon monoxide alarm and GFCI protection in kitchen/bath are assumed not visible and must be verified.",
"No interior structural issues (sagging ceilings, major foundation cracks) exist beyond what is visible in the photos; visible stone foundation appears stable."
],
"overall_score": 73.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6817 Division Ave, Birmingham, AL, 35206",
"aggregate": {
"summary": "Overall the property appears rent-ready with mostly cosmetic items and minor site repairs needed. Interior finishes and trim are in good condition; the home shows evidence of recent maintenance and is an active rental that recently passed Section 8 inspection per listing. Primary inspection risks are limited to missing/required handrail at the front steps, vegetation against the envelope, a damaged side fence, and unknown but likely functional mechanicals (not shown). With minor repairs (installing a handrail, clearing vegetation, fixing fence, verifying GFCI and CO alarms, and confirming HVAC/water heater service) this property is likely to pass a new HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.7,
"rationale": "Photos show a largely renovated interior with refinished hardwood floors, fresh paint, intact trim and millwork, and a sound porch surface. Exterior rock veneer and siding appear intact. Observable deferred items are cosmetic or minor: scuffed floor boards in places, peeling/aged paint on porch cap, overgrown vegetation against the house, and a damaged/leaning side fence/gate. No obvious collapsed or missing finishes. Missing kitchen/major appliance photos prevent direct verification but listing indicates it is an occupied rental with in-home laundry. Overall condition indicates mostly cosmetic and small repairs only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Street-facing exterior and porch are generally sound with attractive stone detailing and intact siding. Roof appears even with no visible decking or sagging issues. Site issues observed: vegetation and vines growing on siding/columns (can accelerate rot), a leaning/damaged wooden side gate/fence, small uneven concrete path, and some overgrown landscaping at foundation perimeter. No visible standing water, major foundation cracks, collapsed porches, or infestation evidence in the photos, but some maintenance needed to clear vegetation and repair fencing for tenant safety and long-term envelope health."
},
{
"key": "rental_history_activity",
"label": "Rental history / recent Section 8 activity (bonus)",
"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 Risk (NSPIRE)",
"score": 76.3,
"rationale": "A ceiling smoke detector is visible in a central room. No exposed wiring or visible electrical hazards in photos. Entry door looks solid and likely has locking hardware (deadbolt not clearly visible). Major life-safety hazards (collapsed ceilings, standing water, sagging structure) are not visible. Deficiencies: front steps lack a handrail and side gate/fence is damaged (trip/entrapment risk). GFCI receptacles, carbon monoxide alarm, electrical panel condition, bedroom egress windows and hot water presence cannot be fully verified from photos. Because listing states the unit recently passed Section 8 inspections, assume basic life-safety items were compliant at last inspection, but missing handrail is a likely local-code/inspector note if riser count triggers requirement."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 71.0,
"rationale": "No mechanical equipment (HVAC, furnace, water heater, electrical panel) is shown. The property is an occupied rental and listing claims it passed Section 8 inspection recently, implying major systems were operational at that time. The roof line appears straight with no visible sagging or active leaks in photos. Visible gas meter is intact at the front. Given age (1920) but renovated cosmetic condition, there is moderate risk of older hidden components; without photos of HVAC, water heater, and panel the conservative score reflects assumed operational status but uncertainty about remaining service life."
}
],
"red_flags": [
"Missing/absent handrail at front steps (safety/code issue)",
"Damaged/leaning side fence/gate at side yard (potential safety/egress concern)"
],
"confidence": 0.92,
"assumptions": [
"Listing statement that the unit passed Section 8 inspection recently is accurate and reflects functional heating, hot water, and basic life-safety systems at that time.",
"Bedrooms have code-compliant egress windows (not individually pictured) because the home has been occupied and listed as Section 8-compliant.",
"A smoke detector visible in the living area implies at least one alarm on the main level; presence of CO alarm and GFCI receptacles could not be verified and are assumed to be either present or easily installed.",
"Door hardware includes a functioning lock; deadbolt presence is assumed but not clearly visible in photos.",
"No active roof leaks, major foundation movement, or interior mold issues are present since photos show intact ceilings, floors, and trim and the home is currently occupied."
],
"score_method": "mean_of_criteria",
"overall_score": 75.1,
"rubric_version": "nsPIRE-v1.0-photo-assess-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8837949747"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.