Property ID: 8841822257
2612 2nd St NW, Center Point, AL, 35215
Center Point, AL
Money Down: $31,200
CoC Return: 11.08%
Monthly Cash Flow: $288
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,000
Closing Costs
$5,200
Total Down
$31,200
Investment Snapshot
Purchase Price
$130,000
Money Down
$31,200
Cash-on-Cash Return
11.08%
Rent
$1,339
Monthly Cash Flow
$288
Annual Cash Flow
$3,458
Debt Service / Mo
$692
Property Tax / Mo
$132
Insurance / Mo
$93
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,339
Payment Standard
$1,969
Rent
$1,339
Insurance
$93
Property Tax
$132
Management
$134
Utilities Allowance
$630
NOI (Monthly)
$980
Debt Service
$692
Cash Flow After Debt
$288
Quality Score: 72.40%
Confidence: 94.00%
This 4-bed, 1.5-bath single-family appears cosmetically updated and generally rent-ready with mostly minor repairs. The primary inspection risks are: (1) verification of working mechanical systems (HVAC, water heater, electrical panel), (2) installation/verification of required safety devices (CO alarm, GFCI outlets if required), and (3) addressing front steps/handrail condition and a small ceiling stain that suggests prior water intrusion. With targeted checks and likely small repairs (CO alarm, GFCI, minor carpentry/handrail work, confirm system operations), the unit is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks. On-site verification of HVAC, water heater, electrical panel and confirmation that the ceiling stain is not an active leak are recommended before listing to minimize inspection risk.
Section 8 Payment Standard
$1,969
Utility Allowance Total
$630
Guaranteed Section 8 Rent (PS - Utilities)
$1,339
Property Management
$134
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$130,000
Beds
4
Baths
1.5
Living Area
1,250 sqft
Lot Size
18,295 sqft
Year Built
1955
Days on Market
10
Capital Outlay
$31,200
Debt Service
$692
Property Tax / Mo
$132
Insurance / Mo
$93
Property Description
Well maintained and move in ready, this 4 bedroom, 1 full bath and 1 half bath home in Center Point offers a functional layout and fresh interior updates. Recently painted throughout, the home feels clean, bright, and welcoming from the moment you walk in. The spacious floor plan provides flexibility for families, guests, or a home office setup, while the one car garage adds convenience and extra storage. Whether you are a first time buyer or an investor looking for a solid rental opportunity, this property delivers comfort, value, and practicality in a convenient location near local amenities, shopping, and major roadways.
Utility Allowances
Heating
$119
Property has Central Heat. Electric is chosen to be consistent with the specified electric water heater and oven. 'Elec Heat: Ala Power' is selected as the primary provider for the area.
Cooling
$28
Property has Central Cooling, which is electric. 'A/C: Alabama Power' is selected as the primary electric utility in Center Point.
Water Heating
$71
Property info specifies an electric water heater. 'Elec: Ala Power' is selected as it is the primary provider for the area.
Cooking
$26
Property info specifies an electric oven. 'Elec: Ala Power' is selected as the appropriate provider.
Other Electric
$87
This covers general electricity usage (lights, etc.). 'Lights, Ref, Etc.: Ala Power' is selected as the primary provider for the area.
Refrigerator
$8
The property information does not state a refrigerator is included, so it is assumed to be tenant-owned and -supplied.
Range/Microwave
$6
The property information does not state a microwave is included, so it is assumed to be tenant-owned and -supplied.
Water
$88
Property has public water. As Center Point is served by the Birmingham Water Works Board, 'Water: Birmingham' is the most appropriate selection.
Sewer
$177
Property information confirms it is connected to a public sewer system. The schedule provides a single fixed rate for sewer service in the county.
Trash Collection
$20
As a single-family home, trash collection is necessary. 'Jefferson City' is selected as the most appropriate general option for a property in Center Point, which is within Jefferson County.
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$947
DP3 Annual Estimate$1,285
DP1 Monthly Equivalent$79
DP3 Monthly Equivalent$107
Replacement Value$141,400
Basis1,250 sqft / 1955
Nearby Houses
Photo unavailable
2620 2nd St NW
sold · 0.04 mi
Price: $133,500
4 bd / 2 ba · 1,058 sqft
Latest sale: $133,500
Latest rent: —
Photo unavailable
2533 2nd Pl NW
off_market · 0.04 mi
Price: $1,175
3 bd / 2 ba · 1,360 sqft
Latest sale: $91,300
Latest rent: —
Photo unavailable
2613 2nd St NW
sold · 0.04 mi
Price: $100,000
4 bd / 2 ba · 1,266 sqft
Latest sale: $100,000
Latest rent: —
Photo unavailable
2617 2nd St NW
sold · 0.05 mi
Price: $82,000
3 bd / 2 ba · 1,207 sqft
Latest sale: $82,000
Latest rent: —
Photo unavailable
2605 2nd St NW
sold · 0.06 mi
Price: $42,000
3 bd / 2 ba · 1,586 sqft
Latest sale: $42,000
Latest rent: —
Photo unavailable
2545 2nd Pl NW
sold · 0.07 mi
Price: $117,500
3 bd / 3 ba · 1,710 sqft
Latest sale: $117,500
Latest rent: —
Photo unavailable
2532 2nd Pl NW
for_sale · 0.08 mi
Price: $145,000
3 bd / 1 ba · 1,132 sqft
Latest sale: $49,900
Latest rent: —
Photo unavailable
2624 1st Pl NW
sold · 0.08 mi
Price: $138,900
3 bd / 3 ba
Latest sale: $138,900
Latest rent: —
Photo unavailable
2638 1st Pl NW
sold · 0.09 mi
Price: $150,000
3 bd / 3 ba · 1,330 sqft
Latest sale: $150,000
Latest rent: —
Photo unavailable
2520 2nd Pl NW
for_sale · 0.09 mi
Price: $165,000
4 bd / 2 ba · 2,222 sqft
Latest sale: $158,000
Latest rent: —
Photo unavailable
2629 2nd St NW
sold · 0.09 mi
Price: $138,000
4 bd / 2 ba · 1,436 sqft
Latest sale: $138,000 on Dec 04, 2023
Latest rent: $1,300 on Mar 29, 2021
Photo unavailable
2512 2nd St NW
sold · 0.10 mi
Price: $33,000
3 bd / 2 ba
Latest sale: $33,000
Latest rent: —
Photo unavailable
2600 2nd Pl NW
sold · 0.11 mi
Price: $165,400
3 bd / 2 ba · 1,881 sqft
Latest sale: $165,400
Latest rent: —
Photo unavailable
2605 2nd Pl NW
sold · 0.11 mi
Price: $104,900
2 bd / 2 ba · 1,402 sqft
Latest sale: $104,900
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Possible prior or active water intrusion (ceiling discoloration/crack visible) — requires verification and repair if active.
- Front exterior stairs are steep with open risers and rusted metal railings — potential safety hazard if not structurally sound or secure.
- No carbon monoxide alarm visible in photos — may be required depending on fuel appliances and local code.
- GFCI outlets in kitchen/bath not evident in photos — likely required and may need installation.
- Driveway slopes toward garage and may create water intrusion risk to lower-level garage.
Assumptions
- Interior photos show the whole unit condition; unseen areas (basement/utility closet) contain the furnace/water heater and an electrical panel in working order but need verification.
- No refrigerator or dishwasher shown — assumed not provided; missing appliances reduce readiness but are moderate issues only.
- Smoke detector shown is operational; carbon monoxide detector is not visible and likely not present (will need installation if required by local code).
- No active roof leaks are occurring now; ceiling discoloration likely a past minor leak but requires verification.
- Front metal stairs and railings are structurally sound but show surface rust and may need fastening/painting; they are assumed to hold weight but should be inspected.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,538 | $160,000 | $29,860 |
| 2023 | $1,457 | $132,300 | $26,460 |
| 2022 | $886 | $80,400 | $16,080 |
| 2021 | $867 | $78,700 | $15,740 |
| 2020 | $748 | $67,900 | $13,580 |
| 2019 | $748 | $67,900 | $13,580 |
| 2018 | $643 | $58,400 | $11,680 |
| 2017 | $643 | $58,400 | $11,680 |
| 2016 | $585 | $58,400 | $11,680 |
| 2015 | $585 | $58,400 | $11,680 |
| 2013 | $568 | $66,400 | $13,280 |
| 2012 | $543 | $69,800 | $6,980 |
| 2011 | $589 | $79,000 | $7,900 |
| 2010 | $603 | $82,800 | $8,280 |
| 2009 | $602 | $82,800 | $8,280 |
| 2008 | $592 | $84,500 | $8,450 |
| 2007 | $581 | $83,300 | $8,330 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-05 | Listed | $130,000 |
| 2024-02-27 | Listing removed | $0 |
| 2024-02-21 | Listed for rent | $1,300 |
| 2024-01-20 | Listing removed | $0 |
| 2023-12-14 | Listed for rent | $1,300 |
| 2023-08-18 | Listing removed | $0 |
| 2023-06-20 | Price Changed | $160,000 |
| 2023-06-10 | Listed | $170,000 |
| 2022-11-13 | Listing removed | $0 |
| 2022-11-12 | Listing removed | $0 |
| 2022-10-01 | Listing removed | $0 |
| 2022-08-29 | Sold | $123,750 |
| 2022-08-22 | Listed for rent | $1,300 |
| 2022-08-22 | Listed for rent | $1,300 |
| 2022-07-28 | Sold | $165,000 |
| 2022-05-12 | Sold | $72,900 |
| 2017-09-07 | Listing removed | $800 |
| 2017-08-17 | Listed for rent | $800 |
| 2017-08-16 | Listing removed | $800 |
| 2017-07-22 | Listed for rent | $800 |
| 2017-04-21 | Sold | $45,000 |
| 2016-10-28 | Sold | $30,000 |
| 2016-05-18 | Listed | $36,000 |
| 2003-09-25 | Sold | $61,500 |
| 2003-01-17 | Listing removed | $64,900 |
Photo Gallery
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"price_change_percentage": null
},
{
"date": "2022-08-22",
"price": 1300,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1300,
"listing_id": "2946931404",
"last_update_date": "2022-08-21T23:03:15Z",
"last_status_change_date": "2022-11-13T00:10:20Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.9629629629629629,
"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "449519",
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},
{
"date": "2022-07-28",
"price": 165000,
"listing": {
"status": "sold",
"list_date": "2022-09-08T16:48:35Z",
"list_price": 165000,
"listing_id": "2947561776",
"last_update_date": "2022-09-08T16:45:27Z",
"last_status_change_date": "2022-09-08T16:48:35Z"
},
"event_name": "Sold",
"price_sqft": 106.45161290322581,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1333243",
"price_change_percentage": null
},
{
"date": "2022-05-12",
"price": 72900,
"listing": {
"status": "sold",
"list_date": "2022-08-09T02:49:03Z",
"list_price": 72900,
"listing_id": "2937423984",
"last_update_date": "2022-05-13T04:29:37Z",
"last_status_change_date": "2022-08-09T02:49:03Z"
},
"event_name": "Sold",
"price_sqft": 54,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1305352",
"price_change_percentage": null
},
{
"date": "2017-09-07",
"price": 800,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 800,
"listing_id": "623601279",
"last_update_date": "2017-09-07T21:28:08Z",
"last_status_change_date": "2017-09-07T21:28:08Z"
},
"event_name": "Listing removed",
"price_sqft": 0.64,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "3420046",
"price_change_percentage": null
},
{
"date": "2017-08-17",
"price": 800,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 800,
"listing_id": "623601279",
"last_update_date": "2017-09-07T21:28:08Z",
"last_status_change_date": "2017-09-07T21:28:08Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.64,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "3420046",
"price_change_percentage": null
},
{
"date": "2017-08-16",
"price": 800,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 800,
"listing_id": "623601279",
"last_update_date": "2017-09-07T21:28:08Z",
"last_status_change_date": "2017-09-07T21:28:08Z"
},
"event_name": "Listing removed",
"price_sqft": 0.64,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "3420046",
"price_change_percentage": null
},
{
"date": "2017-07-22",
"price": 800,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 800,
"listing_id": "623601279",
"last_update_date": "2017-09-07T21:28:08Z",
"last_status_change_date": "2017-09-07T21:28:08Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.64,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "3420046",
"price_change_percentage": null
},
{
"date": "2017-04-21",
"price": 45000,
"listing": null,
"event_name": "Sold",
"price_sqft": 29.032258064516128,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2016-10-28",
"price": 30000,
"listing": {
"status": "sold",
"list_date": "2016-05-18T07:00:00Z",
"list_price": 36000,
"listing_id": "609537779",
"last_update_date": "2016-11-07T15:10:00Z",
"last_status_change_date": "2016-10-28T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "163 days",
"source_listing_id": "750645",
"price_change_percentage": "-16.67%"
},
{
"date": "2016-05-18",
"price": 36000,
"listing": {
"status": "sold",
"list_date": "2016-05-18T07:00:00Z",
"list_price": 36000,
"listing_id": "609537779",
"last_update_date": "2016-11-07T15:10:00Z",
"last_status_change_date": "2016-10-28T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "750645",
"price_change_percentage": "-41.46%"
},
{
"date": "2003-09-25",
"price": 61500,
"listing": null,
"event_name": "Sold",
"price_sqft": 39.67741935483871,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-5.24%"
},
{
"date": "2003-01-17",
"price": 64900,
"listing": {
"status": "off_market",
"list_date": "2002-07-18T07:00:00Z",
"list_price": 64900,
"listing_id": "542496583",
"last_update_date": "2003-01-18T13:00:00Z",
"last_status_change_date": "2003-01-17T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "183 days",
"source_listing_id": "108843",
"price_change_percentage": null
},
{
"date": "2002-07-18",
"price": 64900,
"listing": {
"status": "off_market",
"list_date": "2002-07-18T07:00:00Z",
"list_price": 64900,
"listing_id": "542496583",
"last_update_date": "2003-01-18T13:00:00Z",
"last_status_change_date": "2003-01-17T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "108843",
"price_change_percentage": "+66.41%"
},
{
"date": "1979-12-14",
"price": 39000,
"listing": null,
"event_name": "Sold",
"price_sqft": 25.161290322580644,
"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": "8841822257",
"generated_at": "2026-02-16T03:04:15.261477Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.4
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/a79338f035adbdbb204c6ce535621d06l-m86849767s-w1280.jpg",
"rent_price": 1339.0,
"loan_amount": 104000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2612-2nd-St-NW_Center-Point_AL_35215_M88418-22257",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 130000.0,
"loan_term_years": 30,
"annual_cash_flow": 11761.06,
"mortgage_monthly": 691.91,
"payment_standard": 1969.0,
"total_amount_out": 26000.0,
"additional_photos": [
"https://ap.rdcpix.com/a79338f035adbdbb204c6ce535621d06l-m3875443808s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 93.0,
"monthly_cash_flow": 980.09,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has Central Heat. Electric is chosen to be consistent with the specified electric water heater and oven. 'Elec Heat: Ala Power' is selected as the primary provider for the area.",
"utility": "Heating",
"allowance": 119
},
{
"note": "Property has Central Cooling, which is electric. 'A/C: Alabama Power' is selected as the primary electric utility in Center Point.",
"utility": "Cooling",
"allowance": 28
},
{
"note": "Property info specifies an electric water heater. 'Elec: Ala Power' is selected as it is the primary provider for the area.",
"utility": "Water Heating",
"allowance": 71
},
{
"note": "Property info specifies an electric oven. 'Elec: Ala Power' is selected as the appropriate provider.",
"utility": "Cooking",
"allowance": 26
},
{
"note": "This covers general electricity usage (lights, etc.). 'Lights, Ref, Etc.: Ala Power' is selected as the primary provider for the area.",
"utility": "Other Electric",
"allowance": 87
},
{
"note": "The property information does not state a refrigerator is included, so it is assumed to be tenant-owned and -supplied.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property information does not state a microwave is included, so it is assumed to be tenant-owned and -supplied.",
"utility": "Range/Microwave",
"allowance": 6
},
{
"note": "Property has public water. As Center Point is served by the Birmingham Water Works Board, 'Water: Birmingham' is the most appropriate selection.",
"utility": "Water",
"allowance": 88
},
{
"note": "Property information confirms it is connected to a public sewer system. The schedule provides a single fixed rate for sewer service in the county.",
"utility": "Sewer",
"allowance": 177
},
{
"note": "As a single-family home, trash collection is necessary. 'Jefferson City' is selected as the most appropriate general option for a property in Center Point, which is within Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.45,
"down_payment_amount": 26000.0,
"property_tax_annual": 1584.14,
"property_tax_monthly": 132.01,
"property_tax_increase": 0.03,
"utility_allowance_total": 630.0,
"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": 3458.08,
"property_management_monthly": 133.9,
"monthly_cash_flow_after_debt": 288.17,
"cash_on_cash_return_after_debt": 0.13
},
"section8_assessment": {
"runs": [
{
"summary": "This 4-bed, 1.5-bath single-family appears cosmetically updated and generally rent-ready with mostly minor repairs. The primary inspection risks are: (1) verification of working mechanical systems (HVAC, water heater, electrical panel), (2) installation/verification of required safety devices (CO alarm, GFCI outlets if required), and (3) addressing front steps/handrail condition and a small ceiling stain that suggests prior water intrusion. With targeted checks and likely small repairs (CO alarm, GFCI, minor carpentry/handrail work, confirm system operations), the unit is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks. On-site verification of HVAC, water heater, electrical panel and confirmation that the ceiling stain is not an active leak are recommended before listing to minimize inspection risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently painted and clean; hardwood and vinyl plank floors look in good repair with only normal wear. Cabinets show cosmetic wear and one lower cabinet door appears misaligned; countertops look updated. Fixtures (light fixtures, bathroom vanity) present. Kitchen has an electric range; refrigerator and dishwasher are not shown which will be moderate checklist items but not an automatic fail. Exterior siding and masonry foundation are intact in photos. Overall mostly cosmetic and minor repairs (cabinet hardware, threshold/trim, possible small floorboard gaps) — quick turnover work rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE-related)",
"score": 70.0,
"rationale": "A smoke detector is visible in the hallway (photo). Bedrooms have large windows that appear to provide egress. No exposed wiring is visible in the photos. Entry door appears solid but no deadbolt is visible in exterior photo (may be present). GFCI outlets are not clearly visible in the kitchen or bathrooms in photos (could require installation). I see a small ceiling discoloration/crack near a ceiling corner in one photo—possible prior water intrusion that should be checked for active leaks or mold. Front exterior steps have metal handrails but are steep with open risers and visible surface rust; inspector may request secure, stable handrail/grip and riser safety if not solid. Carbon monoxide alarm not visible in the images (required in many jurisdictions when fuel-burning appliances present). Plumbing fixtures (sink, toilet, tub) appear intact. Overall some safety items likely pass but missing/unclear CO detector and GFCI and the front step condition are the main inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "No mechanical equipment (HVAC condenser, furnace, or water heater) is shown; however floor/ceiling vents are visible indicating central HVAC likely present. The kitchen shows an electric range and range hood; range appears functional. Electrical panel is not shown. No obvious signs of major roof failure from front photo — roof appears shingled and intact, though age of home (1955) increases risk of older systems. Because major systems (HVAC, water heater, electrical panel) are not documented in the photos, assign moderate risk that will require on-site verification and possible service/repairs prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front yard is mowed but site shows overgrown brush along property edges and trees nearby which can affect gutters/drainage if not maintained. Concrete driveway is cracked/stained and slopes toward the garage; potential for water to track into lower-level garage — recommend verifying garage floor/wall moisture and garage door bottom seal. Exterior stairs and metal railings exist but show surface rust and should be checked for structural integrity. Siding and block foundation visible in photos look intact with no large visible foundation cracks. Overall site maintenance required but not severe."
}
],
"red_flags": [
"Possible prior or active water intrusion (ceiling discoloration/crack visible) — requires verification and repair if active.",
"Front exterior stairs are steep with open risers and rusted metal railings — potential safety hazard if not structurally sound or secure.",
"No carbon monoxide alarm visible in photos — may be required depending on fuel appliances and local code.",
"GFCI outlets in kitchen/bath not evident in photos — likely required and may need installation.",
"Driveway slopes toward garage and may create water intrusion risk to lower-level garage."
],
"confidence": 0.7,
"assumptions": [
"Interior photos show the whole unit condition; unseen areas (basement/utility closet) contain the furnace/water heater and an electrical panel in working order but need verification.",
"No refrigerator or dishwasher shown — assumed not provided; missing appliances reduce readiness but are moderate issues only.",
"Smoke detector shown is operational; carbon monoxide detector is not visible and likely not present (will need installation if required by local code).",
"No active roof leaks are occurring now; ceiling discoloration likely a past minor leak but requires verification.",
"Front metal stairs and railings are structurally sound but show surface rust and may need fastening/painting; they are assumed to hold weight but should be inspected."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 4BR/1.5BA single-family house appears cosmetically updated and largely move-in ready for a Housing Choice Voucher tenant after a limited punchlist. Primary issues to verify before listing for Section 8: confirm operable HVAC and water heater, locate the electrical panel and verify safe wiring and outlet/GFCI protection in kitchen/baths, confirm presence/operation of smoke and CO alarms, and evaluate the small interior ceiling stain for active leak. Exterior vegetation close to the foundation and steep front steps should be addressed. With these verifications/repairs (mostly minor/capital), this unit would likely pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently painted with solid-looking hardwood or LVP flooring, functioning fixtures, and a working electric range. Visible cosmetic issues: worn/rough cabinet edges, some damaged blinds, minor scuffs at baseboards and a few floor transition imperfections. No major visible deterioration, mold, or collapsed surfaces. Missing refrigerator not shown in photos — lowers turnkey score moderately but is an easy-to-fix capital item."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 68.0,
"rationale": "A smoke detector is visible in the hallway which supports basic life-safety. Bedrooms have windows that appear to provide egress-sized openings. No exposed wiring, obvious electrical hazards, or collapsed ceilings are visible. Concerns: no CO alarm visible (attached garage present), kitchen and bathroom GFCI protection not evident in photos, and a small ceiling stain near a corner suggests prior water intrusion that should be evaluated. Exterior entry stairs are steep but have iron handrails — verify tread depth/secure attachment. These issues are inspection risks but repairable."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Elec / Plumbing / Roof)",
"score": 68.0,
"rationale": "No visible system failures. Floor/ceiling vents and register in bedrooms indicate central HVAC likely present (not shown). Electric range and hood are installed and appear functional. Plumbing fixtures (sinks, tub, toilet) are present and look serviceable; hot water system not shown. Roof shingles appear intact from front photo with no visible sagging. Unknowns: electrical panel, water heater, and HVAC equipment condition/age are not shown and reduce confidence — these should be verified prior to move-in."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "House sits on a raised block foundation that appears intact from photos; garage door and driveway are functional though driveway shows surface wear/staining. Vegetation is dense and encroaches close to the house on the right side which raises potential drainage, foundation moisture, and pest risk. Front entry stairs show metal treads and rails; verify stability and that guardrail/handrail height meets local code. No standing water, major foundation cracks, or obvious roof collapse visible in photos."
}
],
"red_flags": [
"Ceiling discoloration/peel at an interior corner — possible prior or active water intrusion that requires investigation.",
"Dense vegetation right up against the foundation/house — increases risk of moisture, pests, and drainage issues.",
"No visible carbon monoxide alarm (attached garage present) — may be required by local PHA policy.",
"No obvious evidence of GFCI protection in kitchen/bath receptacles (photo review) — potential NSPIRE/electrical failure if absent or non-functional.",
"Exterior front steps are steep; verify tread depth, riser condition and railing security to meet safety standards."
],
"confidence": 0.72,
"assumptions": [
"Central HVAC is present and connected (inferred from visible floor registers) though equipment was not photographed.",
"Hot water heater and electrical service exist but were not shown in photos; assumed functional unless inspection finds otherwise.",
"Smoke detector visible in hallway is operational; no CO alarm was observed and is assumed absent.",
"No electrical panel or GFCI receptacles were photographed; assumed GFCI protection may be missing in kitchen/bath until verified.",
"No refrigerator is shown in listing photos; assume refrigerator will need to be provided or tenant supply.",
"Ceiling discoloration near a corner is assumed to represent prior or small water intrusion that should be investigated, not a current major collapse."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-1"
},
{
"summary": "This 1955 single-family home appears mostly move-in ready with fresh interior paint, solid flooring, working kitchen and bath fixtures and an electric range. Visible issues are primarily cosmetic and minor (cabinet wear, trim, floor transitions) and typical tenant-ready repairs. Key inspection risks to address before a Section 8 / HCV initial inspection: verify and install required smoke detectors on each level and outside sleeping areas, add a carbon monoxide alarm if locally required or if gas appliances are present, confirm GFCI protection in kitchen/bath, confirm presence and operation of HVAC and water heater, and repair/secure the front steps/handrail if needed. No major structural or life-safety failures are evident from photos. With the recommended verifications and a handful of minor fixes the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently painted and cleaned; hardwood floors and fixtures are in good condition. Kitchen counters look refreshed and an electric range is present. Visible deferred items are cosmetic or small: cabinet wear/peeling paint, one missing/unfinished cabinet opening, minor flooring transitions/gaps, some worn trim and blinds. No major visible interior damage or collapsed finishes. Missing dishwasher/washer not a Section 8 fail but are capital items if provided."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 70.0,
"rationale": "One smoke detector is visible in a hallway which indicates some compliance, but detector coverage on each sleeping level and in/near bedrooms is not confirmed. No carbon monoxide alarm is visible (property has an electric range but CO requirement depends on local code and presence of gas appliances). No exposed wiring or obvious electrical hazards in photos. GFCI presence at kitchen sink is not confirmed. Windows in bedrooms appear large enough for egress but measurements not available. Entry door hardware (deadbolt) is not visible. Minor ceiling imperfection/stain in one photo may indicate prior/isolated water intrusion — no active leak or sagging ceiling observed. Overall a few safety items (additional smoke/CO detectors, verify GFCIs, confirm deadbolt) likely needed before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Floor vents visible suggesting forced-air HVAC (registers present) but the HVAC equipment and age/operational status are not shown. Water heater and electrical panel are not visible. Roof appears intact from the photos with no visible sagging or large missing areas of shingles, but condition and age of roof cannot be confirmed. Kitchen stove and range hood are present and appear functional. Plumbing fixtures (bathroom and kitchen) appear intact but hot water and drain performance are unverified. Recommend on-site verification/servicing of HVAC, water heater, electrical panel and roof prior to tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior shows an intact envelope with block foundation and siding. Front entry stairs and railings are present; stairs appear functional though they should be checked for stability and proper handrail height. Driveway has surface staining and minor cracking; yard is overgrown but not presenting immediate hazards. No standing water, visible foundation settlement, major roof collapse, or obvious pest/infestation evidence in photos. Exterior paint/siding looks weathered in places and may need touching up (house built 1955 — paint condition should be checked for chipping). Garage door present and driveway provides parking access."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Forced-air HVAC is present because floor/register vents are visible; equipment location and operational status unknown.",
"Water heater and electrical panel exist on-site but were not photographed; assumed functional unless proven otherwise.",
"Smoke detector shown is functional, but additional detectors (per NSPIRE/local code) are not visible and assumed to be missing or not confirmed.",
"Stove is electric (photos show electric coils); no gas appliances visible, so CO risk is lower but local CO alarm requirements are unknown.",
"Windows in bedrooms provide adequate egress (appear large) but exact egress dimensions were not measured.",
"No active roof leaks, major foundation movement, sagging floors, or severe mold are present based on photos; small ceiling imperfection likely cosmetic or prior minor leak.",
"Exterior paint on a 1955 home presents potential lead-paint risk if any chipping is present; interior was recently painted and appears intact."
],
"overall_score": 74.0,
"rubric_version": "ns-pV1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2612 2nd St NW, Center Point, AL, 35215",
"aggregate": {
"summary": "This 4-bed, 1.5-bath single-family appears cosmetically updated and generally rent-ready with mostly minor repairs. The primary inspection risks are: (1) verification of working mechanical systems (HVAC, water heater, electrical panel), (2) installation/verification of required safety devices (CO alarm, GFCI outlets if required), and (3) addressing front steps/handrail condition and a small ceiling stain that suggests prior water intrusion. With targeted checks and likely small repairs (CO alarm, GFCI, minor carpentry/handrail work, confirm system operations), the unit is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks. On-site verification of HVAC, water heater, electrical panel and confirmation that the ceiling stain is not an active leak are recommended before listing to minimize inspection risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 79.3,
"rationale": "Interior appears recently painted and clean; hardwood and vinyl plank floors look in good repair with only normal wear. Cabinets show cosmetic wear and one lower cabinet door appears misaligned; countertops look updated. Fixtures (light fixtures, bathroom vanity) present. Kitchen has an electric range; refrigerator and dishwasher are not shown which will be moderate checklist items but not an automatic fail. Exterior siding and masonry foundation are intact in photos. Overall mostly cosmetic and minor repairs (cabinet hardware, threshold/trim, possible small floorboard gaps) — quick turnover work rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front yard is mowed but site shows overgrown brush along property edges and trees nearby which can affect gutters/drainage if not maintained. Concrete driveway is cracked/stained and slopes toward the garage; potential for water to track into lower-level garage — recommend verifying garage floor/wall moisture and garage door bottom seal. Exterior stairs and metal railings exist but show surface rust and should be checked for structural integrity. Siding and block foundation visible in photos look intact with no large visible foundation cracks. Overall site maintenance required but not severe."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE-related)",
"score": 69.3,
"rationale": "A smoke detector is visible in the hallway (photo). Bedrooms have large windows that appear to provide egress. No exposed wiring is visible in the photos. Entry door appears solid but no deadbolt is visible in exterior photo (may be present). GFCI outlets are not clearly visible in the kitchen or bathrooms in photos (could require installation). I see a small ceiling discoloration/crack near a ceiling corner in one photo—possible prior water intrusion that should be checked for active leaks or mold. Front exterior steps have metal handrails but are steep with open risers and visible surface rust; inspector may request secure, stable handrail/grip and riser safety if not solid. Carbon monoxide alarm not visible in the images (required in many jurisdictions when fuel-burning appliances present). Plumbing fixtures (sink, toilet, tub) appear intact. Overall some safety items likely pass but missing/unclear CO detector and GFCI and the front step condition are the main inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 67.7,
"rationale": "No mechanical equipment (HVAC condenser, furnace, or water heater) is shown; however floor/ceiling vents are visible indicating central HVAC likely present. The kitchen shows an electric range and range hood; range appears functional. Electrical panel is not shown. No obvious signs of major roof failure from front photo — roof appears shingled and intact, though age of home (1955) increases risk of older systems. Because major systems (HVAC, water heater, electrical panel) are not documented in the photos, assign moderate risk that will require on-site verification and possible service/repairs prior to inspection."
}
],
"red_flags": [
"Possible prior or active water intrusion (ceiling discoloration/crack visible) — requires verification and repair if active.",
"Front exterior stairs are steep with open risers and rusted metal railings — potential safety hazard if not structurally sound or secure.",
"No carbon monoxide alarm visible in photos — may be required depending on fuel appliances and local code.",
"GFCI outlets in kitchen/bath not evident in photos — likely required and may need installation.",
"Driveway slopes toward garage and may create water intrusion risk to lower-level garage."
],
"confidence": 0.94,
"assumptions": [
"Interior photos show the whole unit condition; unseen areas (basement/utility closet) contain the furnace/water heater and an electrical panel in working order but need verification.",
"No refrigerator or dishwasher shown — assumed not provided; missing appliances reduce readiness but are moderate issues only.",
"Smoke detector shown is operational; carbon monoxide detector is not visible and likely not present (will need installation if required by local code).",
"No active roof leaks are occurring now; ceiling discoloration likely a past minor leak but requires verification.",
"Front metal stairs and railings are structurally sound but show surface rust and may need fastening/painting; they are assumed to hold weight but should be inspected."
],
"score_method": "mean_of_criteria",
"overall_score": 72.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8841822257"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.