Property ID: 8840847900
1425 Drake Ln, Gretna, LA, 70056
Gretna, LA
Money Down: $66,000
CoC Return: -2.13%
Monthly Cash Flow: $-117
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$55,000
Closing Costs
$11,000
Total Down
$66,000
Investment Snapshot
Purchase Price
$275,000
Money Down
$66,000
Cash-on-Cash Return
-2.13%
Rent
$1,958
Monthly Cash Flow
$-117
Annual Cash Flow
$-1,407
Debt Service / Mo
$1,464
Property Tax / Mo
$237
Insurance / Mo
$179
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,958
Payment Standard
$2,328
Rent
$1,958
Insurance
$179
Property Tax
$237
Management
$196
Utilities Allowance
$370
NOI (Monthly)
$1,346
Debt Service
$1,464
Cash Flow After Debt
$-117
Quality Score: 86.00%
Confidence: 95.00%
Turnkey, low inspection risk. Property presents as recently renovated with new roof, new HVACs, and new water heater, updated kitchen and baths, included appliances, and well-maintained exterior. Likely to pass an initial HCV/NSPIRE inspection after verification of smoke/CO detectors and GFCI protection. Expected rent-ready timeline 1–2 weeks for verification and minor touch-ups.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$370
Guaranteed Section 8 Rent (PS - Utilities)
$1,958
Property Management
$196
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$275,000
Beds
4
Baths
2.5
Living Area
2,300 sqft
Lot Size
6,599 sqft
Year Built
1998
Days on Market
145
Capital Outlay
$66,000
Debt Service
$1,464
Property Tax / Mo
$237
Insurance / Mo
$179
Property Description
Well Priced Beautiful home loaded with improvements! Featuring a NEW roof, 2 NEW HVAC systems, a NEW water heater, double-insulated windows, and a freshly painted interior.<br><br> The spacious kitchen offers granite countertops, two pantries, ample counter space, and stainless steel appliances including a refrigerator, range/oven with hood, dishwasher, microwave, and a new garbage disposal. The den/bonus room features charming exposed wood ceiling beams, and the bathrooms have been updated with tile-surround shower/tub combos and granite counters.<br><br> This home provides 4 large bedrooms, each with walk-in closets, new flooring, and ceiling fans. You'll also enjoy abundant storage throughout and crown molding in the living, dining, and primary bedroom.<br><br> 3 spacious living areas downstairs offer endless flexibility-perfect for an office, playroom, gym, two living rooms, or any setup that fits your lifestyle.<br><br> Step outside to a fully fenced, oversized backyard with room for a pool, giving you plenty of space to create your dream outdoor oasis. The refreshed front garden adds great curb appeal, and the large front porch is ideal for relaxing.<br><br> Don't forget the 2-car garage, offering plenty of room for vehicles and extra toys. Located in an X Flood Zone-no flood insurance required by lender. <br><br>Copy link for 3D TOUR -- https://bit.ly/1425Drake <br><br>
Utility Allowances
Cooking
$19
The property includes a range/oven. The specific fuel type was not mentioned, so electric was chosen as the more expensive option per the rules.
Heating
$88
The property has 'Central' heating. An electric heat pump is a common modern system and is the more expensive option compared to natural gas, thus it was selected.
Other Electric
$77
This allowance covers general electricity for lights, outlets, and landlord-provided appliances like the refrigerator and microwave.
Sewer
$54
The property details explicitly state the sewer source is 'City'.
Trash Collection
$25
Trash collection is a standard, required utility for a single-family home and is assumed to be the tenant's responsibility.
Water
$50
The property details explicitly state the water source is 'Public'.
Water Heating
$57
The property has a new water heater. The specific fuel type was not mentioned, so electric was chosen as the more expensive option per the rules.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$2,150
DP3 Annual Estimate$2,150
DP1 Monthly Equivalent$179
DP3 Monthly Equivalent$179
Replacement Value$162,400
Basis2,300 sqft / 1998
Nearby Houses
Photo unavailable
1404 Drake Ln
for_sale · 0.05 mi
Price: $249,900
3 bd / 2 ba · 1,700 sqft
Latest sale: — on Oct 17, 2011
Latest rent: $2,450 on Dec 31, 2025
Photo unavailable
1472 Alison St
for_sale · 0.13 mi
Price: $283,000
3 bd / 2 ba · 1,595 sqft
Latest sale: — on Jul 22, 2022
Latest rent: $2,300 on Nov 03, 2025
Photo unavailable
2701 Fairfield Ave
off_market · 0.20 mi
Price: $1,975
4 bd / 2 ba · 2,000 sqft
Latest sale: —
Latest rent: $2,195 on Jul 02, 2025
Photo unavailable
880 Fairfield Ave
sold · 0.20 mi
Price: $200,000
3 bd / 2 ba · 1,625 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2709 Fairfield Dr
sold · 0.20 mi
Price: $190,000
3 bd / 2 ba · 1,636 sqft
Latest sale: —
Latest rent: —
Photo unavailable
881 Fairfield Ave
sold · 0.21 mi
Price: $299,900
4 bd / 3 ba · 2,589 sqft
Latest sale: — on Dec 06, 2021
Latest rent: —
Photo unavailable
868 Fairfield Ave
for_sale · 0.21 mi
Price: $279,900
4 bd / 3 ba · 2,145 sqft
Latest sale: — on Aug 02, 2024
Latest rent: —
Photo unavailable
1232 Wyndham N
for_sale · 0.25 mi
Price: $365,000
4 bd / 3 ba · 2,893 sqft
Latest sale: — on Oct 28, 2022
Latest rent: —
Photo unavailable
2836 Glenbrook Dr
for_sale · 0.30 mi
Price: $190,000
3 bd / 2 ba · 1,221 sqft
Latest sale: — on Aug 31, 2018
Latest rent: $1,800 on Nov 21, 2025
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing disclosures are accurate: new roof, two new HVAC systems, and new water heater were installed as stated.
- Kitchen and major appliances listed (refrigerator, range/oven, dishwasher, microwave, garbage disposal) are present and operational; photos show stainless refrigerator, range, and dishwasher.
- Smoke detectors and carbon monoxide detectors are not visible in photos; assumed present but must be verified during inspection.
- GFCI protection in kitchen and bathrooms is not visible in photos; assumed present or easily installed.
- No active roof leaks or hidden plumbing/electrical issues exist beyond what is visible; recent renovations reduce probability of latent failures.
- Backyard is fully fenced as stated in listing though only the front yard/porch is shown in provided photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,757 | $207,300 | $20,730 |
| 2024 | $2,750 | $207,300 | $20,730 |
| 2023 | $2,580 | $197,400 | $19,740 |
| 2022 | $2,515 | $197,400 | $19,740 |
| 2021 | $2,370 | $197,400 | $19,740 |
| 2020 | $2,353 | $197,400 | $19,740 |
| 2019 | $2,262 | $185,000 | $18,500 |
| 2018 | $2,113 | $185,000 | $18,500 |
| 2017 | $2,025 | $185,000 | $18,500 |
| 2016 | $1,985 | $185,000 | $18,500 |
| 2015 | $2,033 | $185,000 | $18,500 |
| 2014 | $2,009 | $185,000 | $18,500 |
| 2013 | $1,562 | $148,900 | $14,890 |
| 2012 | $1,562 | $148,900 | $14,890 |
| 2011 | $1,575 | $150,000 | $15,000 |
| 2010 | $1,536 | $150,000 | $15,000 |
| 2009 | $1,536 | $150,000 | $15,000 |
| 2008 | $760 | — | $15,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-06 | Price Changed | $275,000 |
| 2026-01-02 | Price Changed | $290,000 |
| 2025-11-14 | Listed | $300,000 |
| 2016-07-22 | Listing removed | $209,000 |
| 2016-07-18 | Sold | $0 |
| 2016-06-13 | Listed | $209,000 |
| 2014-05-24 | Listing removed | $195,800 |
| 2014-05-22 | Sold | $0 |
| 2014-03-10 | Price Changed | $195,800 |
| 2014-02-24 | Price Changed | $196,800 |
| 2014-01-20 | Listed | $196,900 |
| 2013-11-15 | Sold | $0 |
| 2013-10-11 | Listing removed | $89,900 |
| 2013-09-18 | Price Changed | $89,900 |
| 2013-08-15 | Listed | $94,900 |
| 2003-12-01 | Sold | $0 |
Photo Gallery
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{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 80.0,
"rationale": "No visible electrical hazards, exposed wiring, broken guardrails, or trip hazards in photos. Porch has railings and stair handrail is present. Bedrooms/windows appear to have egress-sized windows. Entry door appears to have a keyed lock and likely deadbolt. However, smoke and carbon monoxide detectors are not visible in photos, and GFCI outlets in kitchen/baths are not clearly shown — these are common NSPIRE failure points. Because the house was recently renovated (listing states new systems and windows) I conservatively assume detectors and GFCI may be present but reduced score to reflect verification need."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 92.0,
"rationale": "Listing explicitly states NEW roof, 2 NEW HVAC systems, and NEW water heater; roof and windows appear in good visual condition in photos (shingles look new, gutters in place). Kitchen appliances present and built-in fixtures look modern. No visible signs of active leaks, stains, or HVAC exterior units shown but listing claims recent replacements — this strongly reduces risk of system failures. Score reflects high confidence based on listing disclosures and supporting visual condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 86.0,
"rationale": "Front yard, driveway, walkway, and porch are in good condition; concrete shows minor wear but no major cracks or standing water. Fully fenced backyard is stated in listing (not shown in provided photos) and curb appeal is good. House sits in an X flood zone per listing. No visible infestation, major siding damage, or foundation settlement observed from exterior photos. Slight deduction for lack of full view of yard grading and rear drain conditions."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing disclosures are accurate: new roof, two new HVAC systems, and new water heater were installed as stated.",
"Kitchen and major appliances listed (refrigerator, range/oven, dishwasher, microwave, garbage disposal) are present and operational; photos show stainless refrigerator, range, and dishwasher.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assumed present but must be verified during inspection.",
"GFCI protection in kitchen and bathrooms is not visible in photos; assumed present or easily installed.",
"No active roof leaks or hidden plumbing/electrical issues exist beyond what is visible; recent renovations reduce probability of latent failures.",
"Backyard is fully fenced as stated in listing though only the front yard/porch is shown in provided photos."
],
"overall_score": 87.0,
"rubric_version": "nsPIRE-v1.0-2026-03"
},
{
"summary": "This 4-bed, 2.5-bath single-family home presents as turnkey for Section 8 / HCV tenancy. Major capital and safety systems appear recently replaced (roof, 2 HVAC units, water heater) and interior/exterior condition is very good. Most NSPIRE risks are low, but verification of smoke and CO detectors, GFCI outlets in kitchen/baths, and electrical panel condition is required before inspection. With those verifications and minor checklist items (install/confirm detectors, install GFCI if missing), the property is likely to pass an initial HCV inspection and be rent-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 85.0,
"rationale": "Photos and listing indicate a freshly painted interior, new flooring in bedrooms, updated bathrooms, granite counters, finished kitchen with stainless appliances, and tidy landscaping. No visible cosmetic damage, peeling paint, or exposed subfloor. Missing or broken items are not apparent. These are minor, easy-to-fix items if found during walkthroughs (touch-up paint, trim, outlet covers). Presence of appliances in photos reduces penalty for missing appliances."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 78.0,
"rationale": "No visible life‑threatening hazards in photos: ceilings intact, stair handrail present, porch guardrail present, no visible water stains or mold, windows look operable for egress, and doors appear secure with deadbolt visible. However, smoke detectors, carbon monoxide alarms, and GFCI protections are not visible in the photos; these items are commonly required by NSPIRE. Listing indicates new water heater and two new HVAC systems which reduces some safety risk but also increases likelihood CO detector required if water heater or HVAC are gas‑fired. Because these required devices/outlet types were not shown, a moderate deduction was applied pending verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 90.0,
"rationale": "Listing explicitly states NEW roof, TWO NEW HVAC systems, and NEW water heater. Kitchen appliances (range/oven, refrigerator, dishwasher, microwave) are present in photos. Floors, ceilings and visible plumbing fixtures appear in good condition. These claims and visible evidence indicate strong mechanical/system condition and low likelihood of immediate system failures. Electrical panel and exact water heater fuel/venting are not shown and should be verified, but overall system risk is low."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 92.0,
"rationale": "Exterior photos show a recently maintained front yard, full front porch with intact rails and columns, two-car garage, even concrete driveway and walk, and no obvious foundation settlement or exterior wall damage. Listing states fully fenced oversized backyard (not fully shown) and X flood zone. Gutters and roof appear in good order in photos. No signs of standing water, major drainage problems, or infestation in provided images."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statements are accurate: roof, both HVAC units, and water heater are newly installed and functional.",
"Bedrooms have required egress windows even though individual bedroom photos are not provided (listing specifies 4 large bedrooms).",
"No visible mold, water intrusion, or roof leaks exist beyond what is shown in photos; photos show clean ceilings and walls.",
"Smoke detectors, CO detectors, and GFCI outlets were not visible in photos; assumed not shown but may be present — score reduced to account for uncertainty and NSPIRE requirement.",
"Electrical panel condition, water heater fuel type/venting, and exact stove fuel type (gas vs electric) are unknown and should be verified on-site."
],
"overall_score": 86.0,
"rubric_version": "1.0"
},
{
"summary": "This 1998 single-family home appears well-maintained and largely turnkey for a Housing Choice Voucher tenant. Recent major upgrades (new roof, two new HVAC units, new water heater, updated kitchens/baths, double-pane windows) substantially reduce inspection risk. Photos show intact structure, secure entry, guardrails, and no visible mold, leaks, or electrical hazards. Remaining verification items that inspectors commonly cite (smoke and CO detectors, GFCI outlets, electrical panel labeling, hot-water temperature, and functioning plumbing fixtures) are not visible in photos and should be confirmed but are likely addressed given the overall condition. With routine verification and probable minor fixes (install/confirm detectors, label panel, confirm GFCI), this property is expected to pass an initial NSPIRE/HCV inspection with minimal turnaround.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 85.0,
"rationale": "Interior and exterior photos show a freshly painted home, new-looking flooring, updated kitchens and bathrooms, and included stainless appliances. Porch, railings, doors and windows appear intact. No visible major cosmetic damage, peeling paint, or exposed subfloor. Missing/minor items that could appear on a pre-inspection (touch-up paint, minor trim repairs, switch/outlet cover checks) are typical but readily fixed. The listing specifically states new roof, new water heater and two new HVAC units which reduce likely deferred-maintenance items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 80.0,
"rationale": "No obvious life-safety hazards visible: ceilings intact (no sagging or stains), stair railing present, porch guardrail present, windows appear operable for bedroom egress, exterior entry door looks secure and shows a deadbolt. No exposed wiring or visible electrical hazards in photos. However smoke/CO detectors, GFCI protection in kitchen/baths, and the electrical panel condition are not visible in photos and must be verified at inspection. No visual evidence of active leaks, mold, or structural cracking. Assumed working plumbing/hot water per listing (new water heater) but verification required."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, roof, plumbing, electrical)",
"score": 90.0,
"rationale": "Listing states a new roof, two new HVAC systems, and a new water heater; photos show a well-kept roofline and intact shingles. Kitchen appliances are modern stainless units including range and dishwasher; listing notes new garbage disposal and microwave. These updates strongly reduce risk of system failures at initial inspection. Electrical panel and distribution are not visible; no signs of unsafe DIY work or exposed conduit in pictured areas. Given the recent major system replacements claimed, mechanical risk is low but should be confirmed by receipts or service records."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 90.0,
"rationale": "Well-maintained curb appeal, level driveway and walk, intact gutters, brick front and siding in good visible condition. Front porch and railings are in place and appear sound. Landscaping trimmed; listing says fully fenced oversized backyard (not pictured) and X flood zone (no flood insurance required by lender). No visible standing water, erosion, or infestation evidence in provided photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing is accurate about 'NEW roof', '2 NEW HVAC systems', and 'NEW water heater' and those systems are installed and operational.",
"Kitchen appliances shown (range, refrigerator, dishwasher, microwave) are present and in working order as stated in the listing.",
"There are functioning smoke detectors and (if required by local codes) carbon monoxide detectors installed or they will be added prior to move-in; detectors are not visible in provided photos.",
"GFCI protection in kitchen and bathrooms is present or will be provided; outlets are not clearly visible in photos.",
"Electrical panel is intact and has no obvious code violations (not pictured); no visible knob-and-tube or severely outdated wiring in photos.",
"The backyard is fully fenced as stated in the listing; fence condition not photographed but assumed serviceable.",
"No active roof leaks, hidden plumbing leaks, or severe mold are present (no visible staining or mold-like discoloration in photos).",
"Interior stair handrail is secure (photo shows handrail present)."
],
"overall_score": 86.0,
"rubric_version": "ns-p-hcv-2026-1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1425 Drake Ln, Gretna, LA, 70056",
"aggregate": {
"summary": "Turnkey, low inspection risk. Property presents as recently renovated with new roof, new HVACs, and new water heater, updated kitchen and baths, included appliances, and well-maintained exterior. Likely to pass an initial HCV/NSPIRE inspection after verification of smoke/CO detectors and GFCI protection. Expected rent-ready timeline 1–2 weeks for verification and minor touch-ups.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.0,
"rationale": "Photos and listing show freshly painted interior, new flooring, updated bathrooms, granite counters, refurbished kitchen, intact cabinetry, and included stainless-steel appliances. Exterior brick and siding appear sound and landscaping is maintained. No visible deferred maintenance, water stains, or collapsed elements. Minor typical touch-ups (threshold weatherstripping, small caulking) may be needed but no major cosmetic or functional defects observed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 89.3,
"rationale": "Front yard, driveway, walkway, and porch are in good condition; concrete shows minor wear but no major cracks or standing water. Fully fenced backyard is stated in listing (not shown in provided photos) and curb appeal is good. House sits in an X flood zone per listing. No visible infestation, major siding damage, or foundation settlement observed from exterior photos. Slight deduction for lack of full view of yard grading and rear drain conditions."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 79.3,
"rationale": "No visible electrical hazards, exposed wiring, broken guardrails, or trip hazards in photos. Porch has railings and stair handrail is present. Bedrooms/windows appear to have egress-sized windows. Entry door appears to have a keyed lock and likely deadbolt. However, smoke and carbon monoxide detectors are not visible in photos, and GFCI outlets in kitchen/baths are not clearly shown — these are common NSPIRE failure points. Because the house was recently renovated (listing states new systems and windows) I conservatively assume detectors and GFCI may be present but reduced score to reflect verification need."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 90.7,
"rationale": "Listing explicitly states NEW roof, 2 NEW HVAC systems, and NEW water heater; roof and windows appear in good visual condition in photos (shingles look new, gutters in place). Kitchen appliances present and built-in fixtures look modern. No visible signs of active leaks, stains, or HVAC exterior units shown but listing claims recent replacements — this strongly reduces risk of system failures. Score reflects high confidence based on listing disclosures and supporting visual condition."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing disclosures are accurate: new roof, two new HVAC systems, and new water heater were installed as stated.",
"Kitchen and major appliances listed (refrigerator, range/oven, dishwasher, microwave, garbage disposal) are present and operational; photos show stainless refrigerator, range, and dishwasher.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assumed present but must be verified during inspection.",
"GFCI protection in kitchen and bathrooms is not visible in photos; assumed present or easily installed.",
"No active roof leaks or hidden plumbing/electrical issues exist beyond what is visible; recent renovations reduce probability of latent failures.",
"Backyard is fully fenced as stated in listing though only the front yard/porch is shown in provided photos."
],
"score_method": "mean_of_criteria",
"overall_score": 86.0,
"rubric_version": "nsPIRE-v1.0-2026-03",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8840847900"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.