Property ID: 8843751435

3924 37th Ave N, Birmingham, AL, 35217

Birmingham, AL

For Sale Feb 16, 2026 03:10 AM UTC Realtor Zillow Street View
Money Down: $18,960 CoC Return: 14.74% Monthly Cash Flow: $233
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,800
Closing Costs
$3,160
Total Down
$18,960
Primary property image

Investment Snapshot

Purchase Price
$79,000
Money Down
$18,960
Cash-on-Cash Return
14.74%
Rent
$904
Monthly Cash Flow
$233
Annual Cash Flow
$2,794
Debt Service / Mo
$420
Property Tax / Mo
$99
Insurance / Mo
$61

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$904
Payment Standard
$1,419
Rent
$904
Insurance
$61
Property Tax
$99
Management
$90
Utilities Allowance
$515
NOI (Monthly)
$653
Debt Service
$420
Cash Flow After Debt
$233

Quality Score: 67.00%

Confidence: 95.00%

This 3BR/1BA 1930 bungalow appears largely structurally sound and cosmetically in decent condition based on photos. Appliances are present, smoke detectors are visible, and the exterior/porch appear intact. The listing warns of required electrical work which raises inspection risk for NSPIRE/Section 8 regarding electrical safety and GFCI requirements. Major systems (electrical panel, water heater, and central HVAC) are not shown and should be verified; absent or unsafe electrical work is the primary inspection risk. Overall the property is moderately close to being rent-ready but will likely need limited system repairs/verifications (particularly electrical) and some minor fixes before passing an HCV inspection.

Section 8 Payment Standard
$1,419
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$904
Property Management
$90

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$79,000
Beds
3
Baths
1
Living Area
1,070 sqft
Lot Size
8,712 sqft
Year Built
1930
Days on Market
42
Capital Outlay
$18,960
Debt Service
$420
Property Tax / Mo
$99
Insurance / Mo
$61

Property Description

Opportunity awaits in this old charmer! This previously leased 3-bedroom, 1-bath home offers strong potential for investors or buyers looking to renovate and add value. As an older home, it will need updates throughout, including electrical work, but it provides a solid foundation and several desirable features. One standout feature is the huge kitchen, offering an abundance of space rarely found in homes of this era. The floor plan includes three bedrooms and functional living areas, making it well-suited for future rental or owner-occupant use after improvements. The property is close to local schools, shopping, and public transportation. Downtown Birmingham, UAB, and major employers are just a short drive away, offering convenient access to employment, dining, and entertainment. The neighborhood features established homes and ongoing investment activity, making it an appealing area for long-term growth. Photos from previous marketing period.

Utility Allowances

heating
$93
Property has central heating, and other major appliances are electric. 'Ala Power' is the most common provider in the area, aligning with other electric utility choices.
cooling
$22
Property has 'Central Air'. 'Alabama Power' is selected as the most likely provider.
cooking
$21
Property includes an 'Electric Oven' and 'Stove-Electric'. 'Ala Power' is selected as the provider.
water_heating
$56
Property includes an 'Electric Water Heater'. 'Ala Power' is selected as the provider.
other_electric
$68
This is a baseline electric allowance. 'Ala Power' is the assumed provider, covering general lighting and miscellaneous plug loads.
water
$78
Property has 'Public Water' and is located in Birmingham. The schedule provides a specific 'Water: Birmingham' option.
sewer
$151
Property is listed as 'Sewer Connected'. The allowance is a fixed rate from the schedule.
trash_collection
$20
Trash service is standard for a single family home. 'Jefferson City' is selected as the most applicable regional option since 'Birmingham' is not explicitly listed for trash in the schedule.
range_microwave
$6
The property listing does not mention a microwave, so this allowance is for a tenant-provided appliance.

Source References

Payment Standard Source
Effective Date: Jan 01, 2026
Utility Allowance Source
Effective Date: Jan 01, 2026

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$588
DP3 Annual Estimate$873
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$73
Replacement Value$65,000
Basis1,070 sqft / 1930

Nearby Houses

Nearby house 1
Photo unavailable

3917 38th Ave N

sold · 0.04 mi
Price: $125,000
4 bd / 2 ba
Latest sale: $125,000 on Jul 05, 2021
Latest rent: $800 on Jan 14, 2022
Nearby house 2
Photo unavailable

3921 37th Ave N

sold · 0.04 mi
Price: $32,000
2 bd / 1 ba · 816 sqft
Latest sale: $32,000 on Aug 22, 2024
Latest rent: —
Nearby house 3
Photo unavailable

3901 38th Ave N

sold · 0.06 mi
Price: $30,100
3 bd / 1 ba · 1,692 sqft
Latest sale: $30,100 on Jul 07, 2023
Latest rent: —
Nearby house 4
Photo unavailable

3544 40th St N

sold · 0.07 mi
Price: $10,000
3 bd / 1 ba · 984 sqft
Latest sale: $10,000 on Aug 30, 2018
Latest rent: —
Nearby house 5
Photo unavailable

3924 N 38th Ave

sold · 0.07 mi
Price: $30,000
2 bd / 1 ba · 1,544 sqft
Latest sale: $30,000 on Oct 26, 2023
Latest rent: —
Nearby house 6
Photo unavailable

3944 38th Ave N

sold · 0.08 mi
Price: $16,510
3 bd / 2 ba
Latest sale: $16,510 on Sep 21, 2016
Latest rent: —
Nearby house 7
Photo unavailable

3843 38th Ave N

sold · 0.08 mi
Price: $27,950
3 bd / 2 ba · 1,620 sqft
Latest sale: $27,950 on May 24, 2024
Latest rent: —
Nearby house 8
Photo unavailable

3835 37th Ave N

sold · 0.08 mi
Price: $149,000
3 bd / 2 ba · 1,244 sqft
Latest sale: $149,000 on Sep 23, 2024
Latest rent: —
Nearby house 9
Photo unavailable

3929 39th Ave N

sold · 0.10 mi
Price: $27,000
3 bd / 1 ba · 1,110 sqft
Latest sale: $27,000 on Mar 26, 2024
Latest rent: $1,095 on May 08, 2025
Nearby house 10
Photo unavailable

3532 40th St N Lot 3-4

sold · 0.10 mi
Price: $10,000
— bd / — ba
Latest sale: $10,000
Latest rent: —
Nearby house 11
Photo unavailable

4006 38th Ave N

off_market · 0.10 mi
Price: $49,900
3 bd / 1 ba · 1,438 sqft
Latest sale: $55,410 on Apr 18, 2014
Latest rent: —
Nearby house 12
Photo unavailable

3532 N 40th St Lots 3 & 4

sold · 0.10 mi
Price: $11,000
— bd / — ba
Latest sale: $11,000
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success
  • Listing explicitly notes 'electrical work' is needed — potential inspection-failing electrical issues.
  • No visible GFCI outlets in kitchen (likely required by NSPIRE) — requires verification/upgrade.
  • No water heater or electrical panel shown in photos — system presence and condition unknown.
  • No central HVAC equipment visible — if cooling/heating is required by local HQS interpretation, lack of verified functional system could be a barrier.

Assumptions

  • Photos are recent and representative of current condition (listing notes 'photos from previous marketing period').
  • Electrical panel and water heater are present but were not photographed; listing statement 'including electrical work' implies some electrical deficiencies that will need repair.
  • Heating is via visible electric baseboard units; there may be no central HVAC (air conditioning not shown).
  • No active roof leaks or major foundation movement exist since none are visible in exterior photos.
  • Smoke detectors shown are operational; carbon monoxide alarms are not visible and may not be required if no fuel-burning appliances are present.
  • Bedrooms have adequate egress windows as suggested by photos of window size and placement.
  • Lead-based paint risk exists due to 1930 construction, but no peeling/deteriorated paint is visible in photos.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,158 $79,900 $15,980
2023 $1,158 $79,900 $15,980
2022 $814 $56,200 $11,240
2021 $896 $61,800 $12,360
2020 $855 $59,000 $11,800
2019 $896 $61,800 $12,360
2018 $767 $52,900 $10,580
2016 $727 $50,200 $10,040
2015 $767 $52,900 $10,580
2013 $693 $48,800 $9,760
2012 $740 $52,150 $10,430
2011 $750 $52,900 $10,580
2010 $750 $52,900 $10,580
2009 $729 $51,400 $10,280
2008 $743 $52,400 $10,480
2007 $718 $50,600 $10,120

Sale History

DateEventPrice
2018-07-27 Sold $23,000
2017-09-29 Sold $19,900
2008-10-10 Sold $8,000
2000-10-27 Sold $30,000

Rental History

DateEventPriceSource
2022-07-06 Listed for rent $1,050
2019-03-28 Listed for rent $730

Photo Gallery

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            "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": "8843751435",
  "generated_at": "2026-02-16T03:10:55.611249Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 67.0
  },
  "utility_allowance": {
    "zip_code": "35217",
    "home_photo": "https://ap.rdcpix.com/d8288dd053bcb0bf6f5b68d36600013el-m3138590067s-w1280.jpg",
    "rent_price": 904.0,
    "loan_amount": 63200.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/3924-37th-Ave-N_Birmingham_AL_35217_M88437-51435",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 79000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 7839.96,
    "mortgage_monthly": 420.47,
    "payment_standard": 1419.0,
    "total_amount_out": 15800.0,
    "additional_photos": [
      "https://ap.rdcpix.com/d8288dd053bcb0bf6f5b68d36600013el-m1164699347s-w1280.jpg",
      "https://ap.rdcpix.com/d8288dd053bcb0bf6f5b68d36600013el-m1284865855s-w1280.jpg",
      "https://ap.rdcpix.com/d8288dd053bcb0bf6f5b68d36600013el-m1443347714s-w1280.jpg",
      "https://ap.rdcpix.com/d8288dd053bcb0bf6f5b68d36600013el-m3160844151s-w1280.jpg",
      "https://ap.rdcpix.com/d8288dd053bcb0bf6f5b68d36600013el-m2989125066s-w1280.jpg",
      "https://ap.rdcpix.com/d8288dd053bcb0bf6f5b68d36600013el-m1651602500s-w1280.jpg",
      "https://ap.rdcpix.com/d8288dd053bcb0bf6f5b68d36600013el-m3371307794s-w1280.jpg",
      "https://ap.rdcpix.com/d8288dd053bcb0bf6f5b68d36600013el-m1412786011s-w1280.jpg",
      "https://ap.rdcpix.com/d8288dd053bcb0bf6f5b68d36600013el-m1665817409s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 60.88,
    "monthly_cash_flow": 653.33,
    "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 heating, and other major appliances are electric. 'Ala Power' is the most common provider in the area, aligning with other electric utility choices.",
        "utility": "heating",
        "allowance": 93
      },
      {
        "note": "Property has 'Central Air'. 'Alabama Power' is selected as the most likely provider.",
        "utility": "cooling",
        "allowance": 22
      },
      {
        "note": "Property includes an 'Electric Oven' and 'Stove-Electric'. 'Ala Power' is selected as the provider.",
        "utility": "cooking",
        "allowance": 21
      },
      {
        "note": "Property includes an 'Electric Water Heater'. 'Ala Power' is selected as the provider.",
        "utility": "water_heating",
        "allowance": 56
      },
      {
        "note": "This is a baseline electric allowance. 'Ala Power' is the assumed provider, covering general lighting and miscellaneous plug loads.",
        "utility": "other_electric",
        "allowance": 68
      },
      {
        "note": "Property has 'Public Water' and is located in Birmingham. The schedule provides a specific 'Water: Birmingham' option.",
        "utility": "water",
        "allowance": 78
      },
      {
        "note": "Property is listed as 'Sewer Connected'. The allowance is a fixed rate from the schedule.",
        "utility": "sewer",
        "allowance": 151
      },
      {
        "note": "Trash service is standard for a single family home. 'Jefferson City' is selected as the most applicable regional option since 'Birmingham' is not explicitly listed for trash in the schedule.",
        "utility": "trash_collection",
        "allowance": 20
      },
      {
        "note": "The property listing does not mention a microwave, so this allowance is for a tenant-provided appliance.",
        "utility": "range_microwave",
        "allowance": 6
      }
    ],
    "cash_on_cash_return": 0.5,
    "down_payment_amount": 15800.0,
    "property_tax_annual": 1192.74,
    "property_tax_monthly": 99.39,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 515.0,
    "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": 2794.31,
    "property_management_monthly": 90.4,
    "monthly_cash_flow_after_debt": 232.86,
    "cash_on_cash_return_after_debt": 0.18
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This 3BR/1BA 1930 bungalow appears largely structurally sound and cosmetically in decent condition based on photos. Appliances are present, smoke detectors are visible, and the exterior/porch appear intact. The listing warns of required electrical work which raises inspection risk for NSPIRE/Section 8 regarding electrical safety and GFCI requirements. Major systems (electrical panel, water heater, and central HVAC) are not shown and should be verified; absent or unsafe electrical work is the primary inspection risk. Overall the property is moderately close to being rent-ready but will likely need limited system repairs/verifications (particularly electrical) and some minor fixes before passing an HCV inspection.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Interior photos show generally intact surfaces and recently painted walls, working appliances (stove and refrigerator present), and mostly sound hardwood floors with a few localized stains/blemishes and a small worn patch. Kitchen cabinetry and counters appear serviceable. Listing explicitly states 'will need updates throughout, including electrical work,' which indicates some deferred maintenance beyond cosmetic items. Overall deficiencies appear moderate and largely cosmetic/capital rather than catastrophic, so moderate deduction applied."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 65.0,
            "rationale": "Visible positives: multiple smoke detectors are present in photos, windows in bedrooms appear large enough for egress, entry door appears secure and there are porch railings. Negatives / risks: listing calls out electrical work (potential safety hazard), no GFCI outlets visible in kitchen photos (NSPIRE expects GFCI in kitchens/baths), carbon monoxide alarm not visible (may not be required if no fuel-burning appliances but unknown), and electrical panel or wiring condition not shown. No visible exposed wiring, active leaks, mold, or collapsed ceilings. Combined, this rates as moderate safety/code risk that will likely require verification and some repairs."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 60.0,
            "rationale": "Kitchen appliances are present and look functional (electric range, fridge). No central HVAC equipment is visible; baseboard electric heaters are present which suggests electric heating only. Water heater and electrical panel are not shown. Listing warns of electrical work which is a systems-level concern. Roof condition not clearly visible but exterior appears intact with no sagging. Because key systems (panel, water heater, HVAC) were not documented and electrical work is called out, assign a conservative moderate score."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 78.0,
            "rationale": "Front exterior and porch photos show a sound front porch, intact steps and handrails, maintained yard, and no visible foundation settlement or major siding damage. Walkway and lawn appear serviceable. There is no visible standing water, major deterioration, or exterior structural sag. Minor paint touch-ups or porch surface repainting may be desirable but no major exterior repairs appear necessary from photos."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental History (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Listing explicitly notes 'electrical work' is needed — potential inspection-failing electrical issues.",
          "No visible GFCI outlets in kitchen (likely required by NSPIRE) — requires verification/upgrade.",
          "No water heater or electrical panel shown in photos — system presence and condition unknown.",
          "No central HVAC equipment visible — if cooling/heating is required by local HQS interpretation, lack of verified functional system could be a barrier."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Photos are recent and representative of current condition (listing notes 'photos from previous marketing period').",
          "Electrical panel and water heater are present but were not photographed; listing statement 'including electrical work' implies some electrical deficiencies that will need repair.",
          "Heating is via visible electric baseboard units; there may be no central HVAC (air conditioning not shown).",
          "No active roof leaks or major foundation movement exist since none are visible in exterior photos.",
          "Smoke detectors shown are operational; carbon monoxide alarms are not visible and may not be required if no fuel-burning appliances are present.",
          "Bedrooms have adequate egress windows as suggested by photos of window size and placement.",
          "Lead-based paint risk exists due to 1930 construction, but no peeling/deteriorated paint is visible in photos."
        ],
        "overall_score": 68.0,
        "rubric_version": "1.0"
      },
      {
        "summary": "Overall the house appears largely structurally sound with mostly cosmetic and moderate repairs needed. Visible smoke detectors and intact windows/doors are positive for NSPIRE compliance. The main risk is the noted need for electrical work (listing text) and unverified plumbing/hot water and electrical panel condition. With targeted electrical evaluation/repairs, verification of hot water and GFCI outlets, and minor cosmetic touch-ups, the property is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Interior photos show generally intact surfaces, fresh paint, and refinished hardwoods with some localized wear/staining and a few patched areas near the fireplace and thresholds. Kitchen is functionally updated with new-look vinyl flooring, painted cabinets, and included stove and refrigerator — missing dishwasher not a major issue. Porch and exterior trim appear sound though paint touch-up and vegetation trimming are needed. Listing explicitly calls out electrical work which raises repair scope but most visible items are cosmetic or moderate (floor refinishing touch-ups, cabinet hardware, minor trim). Overall moderate/minor repairs needed; not major structural work visible."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 65.0,
            "rationale": "Photos show smoke detectors mounted (living area and bedroom), entry door appears solid and porch steps have handrails. Windows in bedrooms appear large enough for egress based on photos. No exposed wiring or broken guardrails visible. However: no GFCI outlets are visible in kitchen photos (unable to confirm); carbon monoxide alarm is not observed; bathroom images are missing so plumbing/toilet/shower and hot water cannot be confirmed. The listing warns that electrical work is needed — this increases NSPIRE risk until evaluated. No visible active leaks, major mold, or sagging ceilings observed in photos."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (Roof/HVAC/Electrical/Plumbing)",
            "score": 60.0,
            "rationale": "Roofline and exterior appear intact in the single exterior photo (no visible sagging or missing shingles from that angle). Heating appears to be electric baseboard units visible under windows, indicating a functional heat source, but no central HVAC equipment is shown. Electric range and refrigerator are present. Water heater and electrical service panel are not photographed/confirmed. The listing's note about electrical work needed is the primary systems concern and reduces the score — electrical repairs or panel/service updates may be required. Plumbing fixture condition and hot water availability cannot be verified from provided photos."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 80.0,
            "rationale": "Front yard, walkway and porch present acceptable curb appeal; steps and railings are intact. Siding and foundation visible in the photo look reasonably maintained with no large foundation cracks or obvious settlement. Vegetation is slightly overgrown around the steps and should be trimmed. No evidence of standing water, erosion, or exterior structural failure in available imagery."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental Activity (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Possible electrical hazards / deficiencies — listing explicitly states 'electrical work' is needed; electrical panel and circuits not shown.",
          "Bathroom and plumbing fixtures not photographed — hot water and functioning bathroom fixtures unverified (inspection risk until confirmed)."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Smoke detectors shown in photos are operational (batteries/ wiring not verified).",
          "Bedrooms have adequate egress via the windows visible in photos.",
          "Heating is provided by the visible electric baseboard heaters and they are functional unless proven otherwise.",
          "No major roof or foundation failure exists beyond what is visible in the supplied exterior photo.",
          "Water heater and main plumbing exist and are operable, but their condition and hot water availability are unconfirmed due to absence of photos of the mechanicals and bathroom.",
          "Electrical service panel location and condition are unknown; listing's mention of electrical work implies at least some deficiencies that require correction."
        ],
        "overall_score": 68.0,
        "rubric_version": "nsPIRE-v1.0-2026-02"
      },
      {
        "summary": "This 3-bed / 1-bath 1930 bungalow presents as a mostly sound, cosmetically refreshed property with functional kitchen appliances, visible smoke detectors, and intact exterior/porch. The listing's disclosure that the property \"will need updates throughout, including electrical work\" raises measurable NSPIRE inspection risk around the electrical system (unknown panel, unknown GFCI/arc-fault protection) and leaves major-system items (water heater, panel, roof, central HVAC) unverified. Overall the property looks likely to pass an initial HCV/NSPIRE inspection after targeted repairs and electrical updates; estimated time to rent-ready is within 30 days if electrical work is addressed promptly.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Photos show generally intact interior finishes: painted walls, mostly sound hardwood floors with some surface stains/patches, intact trim and closed-off fireplace. Kitchen appears updated with laminate flooring, intact cabinets, range hood, electric range and refrigerator present. Exterior front porch, steps and columns appear structurally sound from photos. Listing explicitly states the home \"will need updates throughout, including electrical work,\" which indicates deferred maintenance beyond cosmetics. Overall this is moderate — mostly cosmetic and appliance-level work with some targeted repairs anticipated."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 60.0,
            "rationale": "Visible positive items: hardwired/installed smoke detectors are visible in multiple rooms and bedrooms appear to have egress windows. No exposed wiring, severe ceiling/floor collapse, or visible mold in photos. Concerns: listing explicitly calls out electrical updates which creates risk for electrical/code deficiencies (unknown panel condition, unknown arc-fault/GFCI protection). GFCI protection at kitchen sink not visible in photos. Carbon monoxide alarms not visible (required if fuel-burning appliances present). Handrails present at front steps; no obvious trip hazards shown. Given visible detectors but unknown electrical/GFCI/CO status, moderate risk for NSPIRE electrical items."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 55.0,
            "rationale": "Heating presence: electric baseboard heaters visible under windows (so heating system is present). No forced-air HVAC equipment or condenser visible in photos (lack of visible central AC is not automatically disqualifying). Kitchen plumbing fixtures and sink present; no visible active leaks in photos. Water heater, main electrical panel and roof condition are not shown. Listing specifically calls out the need for electrical work, which directly impacts this category. Because major systems (electrical panel, water heater, HVAC condition and roof) are not demonstrated and electrical issues are flagged by seller, score is reduced to reflect inspection risk."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 80.0,
            "rationale": "Curb appeal and site appear good in listing photos: front walk, concrete steps and porch look intact, porch columns and balustrade appear solid, yard is maintained with no standing water visible. Siding and foundation visible from front photo appear in serviceable condition with no obvious major cracks or roof sag from the frontal view. Fencing visible and neighboring homes are comparable. Exterior shows minor maintenance needs but no obvious urgent structural or drainage failures visible."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental History (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Potential electrical system deficiencies noted in listing ('will need updates throughout, including electrical work') — risk of electrical hazards / missing AFCI/GFCI or unsafe wiring."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Smoke detectors visible in photos are functional; batteries/operation were not tested.",
          "No carbon monoxide alarm is visible in photos; none can be confirmed — if fuel-burning appliances are present a CO alarm will be required.",
          "Electrical panel, service size, AFCI/GFCI protection and wiring condition are not visible; listing note about electrical updates suggests deficiencies that will require evaluation and repair.",
          "Water heater location and hot water operation are not shown; assumed present but unverified. Hot water system must be confirmed before lease.",
          "Heating is provided by visible electric baseboard heaters; assumed operational but not tested.",
          "No active roof leaks or major foundation movement were visible in provided photos; roof condition was inferred as serviceable from frontal exterior photo only.",
          "GFCI protection at kitchen and bathroom outlets not visible; assumed possibly missing given 'electrical work' disclosure.",
          "Rental history (2022) treated as a positive bonus to readiness but did not outweigh physical/electrical unknowns."
        ],
        "overall_score": 70.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "3924 37th Ave N, Birmingham, AL, 35217",
    "aggregate": {
      "summary": "This 3BR/1BA 1930 bungalow appears largely structurally sound and cosmetically in decent condition based on photos. Appliances are present, smoke detectors are visible, and the exterior/porch appear intact. The listing warns of required electrical work which raises inspection risk for NSPIRE/Section 8 regarding electrical safety and GFCI requirements. Major systems (electrical panel, water heater, and central HVAC) are not shown and should be verified; absent or unsafe electrical work is the primary inspection risk. Overall the property is moderately close to being rent-ready but will likely need limited system repairs/verifications (particularly electrical) and some minor fixes before passing an HCV inspection.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 70.0,
          "rationale": "Interior photos show generally intact surfaces and recently painted walls, working appliances (stove and refrigerator present), and mostly sound hardwood floors with a few localized stains/blemishes and a small worn patch. Kitchen cabinetry and counters appear serviceable. Listing explicitly states 'will need updates throughout, including electrical work,' which indicates some deferred maintenance beyond cosmetic items. Overall deficiencies appear moderate and largely cosmetic/capital rather than catastrophic, so moderate deduction applied."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 79.3,
          "rationale": "Front exterior and porch photos show a sound front porch, intact steps and handrails, maintained yard, and no visible foundation settlement or major siding damage. Walkway and lawn appear serviceable. There is no visible standing water, major deterioration, or exterior structural sag. Minor paint touch-ups or porch surface repainting may be desirable but no major exterior repairs appear necessary from photos."
        },
        {
          "key": "rental_history_activity",
          "label": "Recent Rental History (last 5 years)",
          "score": 100.0,
          "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Compliance Risk",
          "score": 63.3,
          "rationale": "Visible positives: multiple smoke detectors are present in photos, windows in bedrooms appear large enough for egress, entry door appears secure and there are porch railings. Negatives / risks: listing calls out electrical work (potential safety hazard), no GFCI outlets visible in kitchen photos (NSPIRE expects GFCI in kitchens/baths), carbon monoxide alarm not visible (may not be required if no fuel-burning appliances but unknown), and electrical panel or wiring condition not shown. No visible exposed wiring, active leaks, mold, or collapsed ceilings. Combined, this rates as moderate safety/code risk that will likely require verification and some repairs."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems & Mechanical",
          "score": 58.3,
          "rationale": "Kitchen appliances are present and look functional (electric range, fridge). No central HVAC equipment is visible; baseboard electric heaters are present which suggests electric heating only. Water heater and electrical panel are not shown. Listing warns of electrical work which is a systems-level concern. Roof condition not clearly visible but exterior appears intact with no sagging. Because key systems (panel, water heater, HVAC) were not documented and electrical work is called out, assign a conservative moderate score."
        }
      ],
      "red_flags": [
        "Listing explicitly notes 'electrical work' is needed — potential inspection-failing electrical issues.",
        "No visible GFCI outlets in kitchen (likely required by NSPIRE) — requires verification/upgrade.",
        "No water heater or electrical panel shown in photos — system presence and condition unknown.",
        "No central HVAC equipment visible — if cooling/heating is required by local HQS interpretation, lack of verified functional system could be a barrier."
      ],
      "confidence": 0.95,
      "assumptions": [
        "Photos are recent and representative of current condition (listing notes 'photos from previous marketing period').",
        "Electrical panel and water heater are present but were not photographed; listing statement 'including electrical work' implies some electrical deficiencies that will need repair.",
        "Heating is via visible electric baseboard units; there may be no central HVAC (air conditioning not shown).",
        "No active roof leaks or major foundation movement exist since none are visible in exterior photos.",
        "Smoke detectors shown are operational; carbon monoxide alarms are not visible and may not be required if no fuel-burning appliances are present.",
        "Bedrooms have adequate egress windows as suggested by photos of window size and placement.",
        "Lead-based paint risk exists due to 1930 construction, but no peeling/deteriorated paint is visible in photos."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 67.0,
      "rubric_version": "1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8843751435"
  }
}

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