Property ID: 8862987019
42 Davis Blvd, Jefferson, LA, 70121
Jefferson, LA
Money Down: $71,760
CoC Return: -12.72%
Monthly Cash Flow: $-760
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,800
Closing Costs
$11,960
Total Down
$71,760
Investment Snapshot
Purchase Price
$299,000
Money Down
$71,760
Cash-on-Cash Return
-12.72%
Rent
$1,303
Monthly Cash Flow
$-760
Annual Cash Flow
$-9,125
Debt Service / Mo
$1,591
Property Tax / Mo
$212
Insurance / Mo
$130
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,303
Payment Standard
$1,552
Rent
$1,303
Insurance
$130
Property Tax
$212
Management
$130
Utilities Allowance
$249
NOI (Monthly)
$831
Debt Service
$1,591
Cash Flow After Debt
$-760
Quality Score: 78.20%
Confidence: 88.00%
Overall this Rio Vista cottage appears rent-ready with mostly cosmetic and verification items remaining. Interior finishes and appliances are present and in good visible condition, exterior and roof look sound, and HVAC register presence suggests a functioning system. Primary inspection risks are missing/unknown safety devices (smoke/CO detectors, GFCI locations), and unshown systems (electrical panel, water heater, plumbing access) that should be verified. Expect minor repairs and documentation/verification to bring the unit to full NSPIRE compliance; likely passable within 1–4 weeks with targeted fixes.
Section 8 Payment Standard
$1,552
Utility Allowance Total
$249
Guaranteed Section 8 Rent (PS - Utilities)
$1,303
Property Management
$130
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,000
Beds
2
Baths
2
Living Area
1,668 sqft
Lot Size
—
Year Built
1959
Days on Market
20
Capital Outlay
$71,760
Debt Service
$1,591
Property Tax / Mo
$212
Insurance / Mo
$130
Property Description
Welcome to your charming new home in the heart of Old Jefferson! This classic Rio Vista cottage offers a perfect blend of space and serenity, tucked away on a quiet street with incredible proximity to Ochsner Hospital. The interior features an effortless, open-flowing floor plan. Rich hardwood floors lead you from the cozy front living room through the dining area and into a bright kitchen/breakfast nook. The home then opens up into a massive den characterized by dramatic cathedral ceilings-great for relaxing or entertaining. Highlights you'll love: Two spacious bathrooms, each thoughtfully designed with both a full bathtub and a separate walk-in shower. Flexible Living: The oversized second bedroom overlooks the backyard and currently serves as a vibrant office and art workshop. Ample Storage: No shortage of closet space throughout the home. Outdoor Oasis: A quiet, private backyard with fruit trees, offering a peaceful retreat from the city.
Utility Allowances
heating
$61
Selected 'natural_gas' as the property information explicitly states 'Heating Features: Central, Gas'.
cooking
$10
Selected 'natural_gas' as the property has natural gas service and includes a CookTop and Oven.
water_heating
$21
Selected 'natural_gas' based on the presence of natural gas for other appliances (heating, cooking), which is a common configuration for water heating.
other_electric
$57
A fixed allowance for general electricity, lighting, and cooling. The property has central air conditioning.
water
$36
Property information specifies 'Water Source: Public', indicating a required water utility.
sewer
$39
Property information specifies 'Sewer: City', indicating a required sewer utility.
trash_collection
$25
Included as a standard utility for single-family residences using public water and city sewer.
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$1,560
DP3 Annual Estimate$1,560
DP1 Monthly Equivalent$130
DP3 Monthly Equivalent$130
Replacement Value$144,100
Basis1,668 sqft / 1959
Nearby Houses
Photo unavailable
33 Davis Blvd
sold · 0.05 mi
Price: $297,500
3 bd / 2 ba · 1,650 sqft
Latest sale: —
Latest rent: —
Photo unavailable
28 Davis Blvd
for_sale · 0.06 mi
Price: $209,900
3 bd / 2 ba · 1,056 sqft
Latest sale: —
Latest rent: —
Photo unavailable
26 Davis Blvd
off_market · 0.07 mi
Price: $324,000
3 bd / 2 ba · 1,350 sqft
Latest sale: —
Latest rent: —
Photo unavailable
22 Davis Blvd
for_sale · 0.08 mi
Price: $378,000
3 bd / 2 ba · 1,485 sqft
Latest sale: —
Latest rent: —
Photo unavailable
6 San Mateo Ave
for_sale · 0.15 mi
Price: $257,000
2 bd / 1 ba · 1,000 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke and CO detectors are not visible in photos; assume they may be missing or not easily verifiable and will need to be confirmed/installed if absent.
- Electrical panel, water heater, and HVAC equipment locations are not shown; assume they exist and are operable but require verification and possibly servicing due to the house age (1959).
- No active roof leaks are visible externally; assume roof interior (attic/ceiling) has no hidden water damage unless inspection shows otherwise.
- Bedrooms have legal egress windows based on visible window sizes; exact egress measurements not confirmed from photos.
- Kitchen appliances shown in photos are in working order, but operational verification is required prior to inspection.
- No evidence of severe mold, termite damage, collapsed ceilings, or foundation movement was visible; assume absence unless further inspection reveals hidden issues.
- Vegetation near foundation is manageable and not currently causing structural issues but should be trimmed to reduce moisture risk.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,467 | $195,500 | $19,550 |
| 2024 | $2,463 | $195,500 | $19,550 |
| 2023 | $2,571 | $195,500 | $19,550 |
| 2022 | $2,504 | $195,500 | $19,550 |
| 2021 | $2,326 | $195,500 | $19,550 |
| 2020 | $2,309 | $195,500 | $19,550 |
| 2019 | $2,374 | $195,500 | $19,550 |
| 2018 | $2,216 | $195,500 | $19,550 |
| 2017 | $2,216 | $195,500 | $19,550 |
| 2016 | $2,173 | $195,500 | $19,550 |
| 2015 | $2,227 | $195,500 | $19,550 |
| 2014 | $2,198 | $195,500 | $19,550 |
| 2013 | $1,709 | $152,000 | $15,200 |
| 2012 | $866 | $152,000 | $15,200 |
| 2011 | $810 | $152,000 | $15,200 |
| 2010 | $1,561 | $152,000 | $15,200 |
| 2009 | $1,561 | $152,000 | $15,200 |
| 2008 | $782 | — | $15,200 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-20 | Listed | $299,000 |
| 2014-03-28 | Sold | $0 |
| 2014-03-12 | Listing removed | $208,000 |
| 2014-03-12 | Listing removed | $1,600 |
| 2014-01-29 | Price Changed for rent | $1,600 |
| 2014-01-27 | Price Changed | $208,000 |
| 2013-10-30 | Listed | $215,000 |
| 2013-10-30 | Listed for rent | $1,800 |
| 2005-05-12 | Sold | $0 |
| 1994-07-01 | Sold | $0 |
Photo Gallery
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"County: Jefferson",
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"Year Built: 1971",
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"Building Exterior Type: Siding",
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"Roof: Shingle",
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"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "970660",
"price_change_percentage": null
},
{
"date": "2013-10-30",
"price": 1800,
"listing": {
"status": "off_market",
"list_date": "2013-10-30T07:00:00Z",
"list_price": 1600,
"listing_id": "575719943",
"last_update_date": "2014-02-24T22:48:42Z",
"last_status_change_date": "2013-10-30T07:00:00Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.079136690647482,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "970659",
"price_change_percentage": null
},
{
"date": "2005-05-12",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1994-07-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"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": "8862987019",
"generated_at": "2026-03-27T02:59:29.941463Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 78.2
},
"utility_allowance": {
"zip_code": "70121",
"home_photo": "https://ap.rdcpix.com/5a666ff3178ac18658d89610a22bdf42l-m1999907548s-w1280.jpg",
"rent_price": 1303.0,
"loan_amount": 239200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/42-Davis-Blvd_Jefferson_LA_70121_M88629-87019",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 299000.0,
"loan_term_years": 30,
"annual_cash_flow": 9971.39,
"mortgage_monthly": 1591.4,
"payment_standard": 1552.0,
"total_amount_out": 59800.0,
"additional_photos": [
"https://ap.rdcpix.com/5a666ff3178ac18658d89610a22bdf42l-m2038225444s-w1280.jpg",
"https://ap.rdcpix.com/5a666ff3178ac18658d89610a22bdf42l-m3534622401s-w1280.jpg",
"https://ap.rdcpix.com/5a666ff3178ac18658d89610a22bdf42l-m676154861s-w1280.jpg",
"https://ap.rdcpix.com/5a666ff3178ac18658d89610a22bdf42l-m3156844503s-w1280.jpg",
"https://ap.rdcpix.com/5a666ff3178ac18658d89610a22bdf42l-m2493774774s-w1280.jpg",
"https://ap.rdcpix.com/5a666ff3178ac18658d89610a22bdf42l-m417461146s-w1280.jpg",
"https://ap.rdcpix.com/5a666ff3178ac18658d89610a22bdf42l-m241538486s-w1280.jpg",
"https://ap.rdcpix.com/5a666ff3178ac18658d89610a22bdf42l-m1520082035s-w1280.jpg",
"https://ap.rdcpix.com/5a666ff3178ac18658d89610a22bdf42l-m3409986753s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 130.0,
"monthly_cash_flow": 830.95,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'natural_gas' as the property information explicitly states 'Heating Features: Central, Gas'.",
"utility": "heating",
"allowance": 61
},
{
"note": "Selected 'natural_gas' as the property has natural gas service and includes a CookTop and Oven.",
"utility": "cooking",
"allowance": 10
},
{
"note": "Selected 'natural_gas' based on the presence of natural gas for other appliances (heating, cooking), which is a common configuration for water heating.",
"utility": "water_heating",
"allowance": 21
},
{
"note": "A fixed allowance for general electricity, lighting, and cooling. The property has central air conditioning.",
"utility": "other_electric",
"allowance": 57
},
{
"note": "Property information specifies 'Water Source: Public', indicating a required water utility.",
"utility": "water",
"allowance": 36
},
{
"note": "Property information specifies 'Sewer: City', indicating a required sewer utility.",
"utility": "sewer",
"allowance": 39
},
{
"note": "Included as a standard utility for single-family residences using public water and city sewer.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.17,
"down_payment_amount": 59800.0,
"property_tax_annual": 2541.01,
"property_tax_monthly": 211.75,
"property_tax_increase": 0.03,
"utility_allowance_total": 249.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -9125.45,
"property_management_monthly": 130.3,
"monthly_cash_flow_after_debt": -760.45,
"cash_on_cash_return_after_debt": -0.15
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this Rio Vista cottage appears rent-ready with mostly cosmetic and verification items remaining. Interior finishes and appliances are present and in good visible condition, exterior and roof look sound, and HVAC register presence suggests a functioning system. Primary inspection risks are missing/unknown safety devices (smoke/CO detectors, GFCI locations), and unshown systems (electrical panel, water heater, plumbing access) that should be verified. Expect minor repairs and documentation/verification to bring the unit to full NSPIRE compliance; likely passable within 1–4 weeks with targeted fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Exterior and interior photos show well-maintained siding, clean landscaped yard, intact driveway and sidewalks, and generally good interior finishes (hardwood floors, painted cabinetry, tile floors). Kitchen and major appliances (range, refrigerator, dishwasher) are present in photos, reducing immediate turnkey work. Minor likely touch-ups: repainting cabinet edges, small grout/floor transitions, and routine cosmetic maintenance. No visible collapsed surfaces or exposed subfloor."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 68.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no visible severe foundation movement). Central HVAC vents visible. Front steps have a handrail. However smoke detectors and carbon monoxide detectors are not visible in photos; GFCI outlets in kitchen/bath are not verifiable. Electrical panel, service, and plumbing chase access are not shown. Bedroom egress windows appear present but exact dimensions not confirmed. Because many required safety items are not visible, there is moderate inspection risk even though no severe hazards appear in imagery."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof / HVAC / Plumbing / Electrical)",
"score": 70.0,
"rationale": "Shingle roof appears intact in exterior photos with no visible sagging or active leaks. Ceiling vents and a central-style HVAC return/register indicate a central HVAC system likely present. Kitchen fixtures and appliances appear operational in photos. Water heater and electrical panel are not shown, so their condition is unknown. Given the age (1959) but visible renovations and maintained finishes, systems likely functional but verification/servicing may be required prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Front yard, planting beds, driveway and walkway are well-maintained. Siding and trim appear in good repair and windows/shutters are intact. Crawlspace/skirt appears typical; no visible major foundation cracks or erosion. Vegetation is close to foundation (minor maintenance recommended). No visible pest infestation or excessive debris on lot. Drainage slope away from house not fully verifiable but no standing water visible."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke and CO detectors are not visible in photos; assume they may be missing or not easily verifiable and will need to be confirmed/installed if absent.",
"Electrical panel, water heater, and HVAC equipment locations are not shown; assume they exist and are operable but require verification and possibly servicing due to the house age (1959).",
"No active roof leaks are visible externally; assume roof interior (attic/ceiling) has no hidden water damage unless inspection shows otherwise.",
"Bedrooms have legal egress windows based on visible window sizes; exact egress measurements not confirmed from photos.",
"Kitchen appliances shown in photos are in working order, but operational verification is required prior to inspection.",
"No evidence of severe mold, termite damage, collapsed ceilings, or foundation movement was visible; assume absence unless further inspection reveals hidden issues.",
"Vegetation near foundation is manageable and not currently causing structural issues but should be trimmed to reduce moisture risk."
],
"overall_score": 75.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Based on listing photos and description, this 1959 Rio Vista cottage appears largely turnkey for a Housing Choice Voucher inspection with mostly minor work expected. Interiors and exterior are well maintained, appliances are present, and major visible safety or structural failures are absent. Key NSPIRE items (smoke/CO detectors, GFCI outlets, electrical panel labeling, hot water & HVAC operation, and bedroom egress verification) are not shown and should be confirmed before inspection. With those verifications and any minor touch-ups, this property is likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Photos show well-maintained interior finishes: intact hardwood floors, painted walls, trim and cabinetry in generally good condition. Kitchen appliances (stove, fridge, dishwasher) are present and appear modern/stainless. No visible major cosmetic damage, collapsed ceilings, or exposed subfloor. Exterior siding and landscaping are tidy. Missing items: bathrooms are not shown so minor bathroom cosmetic/fixture issues cannot be fully verified. Overall visible repair needs are minor (touch-up paint, possible carpet replacement in den) and easy to fix."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 78.0,
"rationale": "No visible severe safety hazards in photos: no exposed wiring, no collapsed ceilings, no standing water, steps have a small metal handrail, windows appear operable. Entry door appears to have a deadbolt. Bedroom egress cannot be fully confirmed from photos but windows look typical and likely egress-capable. Smoke/CO detectors and GFCI locations are not visible in photos — assumed present but unverified. No visible mold or peeling paint. Because several required items (smoke/CO detectors, GFCI in kitchen/bath, verified egress) are not visible, a small deduction was applied for unknowns."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 75.0,
"rationale": "Ceiling HVAC vents and a ceiling return suggest a central HVAC system; ceiling diffusers and ceiling fans are present. Roof shingles look intact with no visible sagging or active leaks from exterior photos. Kitchen appliances appear functional. Electrical panel, water heater, and plumbing fixtures were not photographed; their operability is assumed typical but unverified. Because systems are present with no visible signs of failure but remain uninspected, score reduced moderately to reflect inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Exterior photos show a neatly maintained lot, intact vinyl siding, trim, and concrete driveway/walkway in good condition. Foundation skirting appears in place and the yard is graded and free of obvious standing water. Landscaping is maintained and there is no visible evidence of infestation or major envelope failure. Roof penetrations appear sealed; no visible missing shingles or severe deterioration."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are installed and functioning (not visible in photos).",
"Central HVAC is present and operational (ceiling vents visible) but full serviceability not verified.",
"Water heater and plumbing fixtures are functional though not photographed.",
"Electrical panel exists and has no exposed wiring; panel condition not visible and assumed standard for a maintained home.",
"Bedrooms have egress windows that meet code (windows visible but sizes not measured).",
"No active roof leaks or concealed water intrusion despite no attic/roof interior photos.",
"No peeling lead-based paint in living areas that would constitute a HUD lead-risk failure; older home (1959) requires proper lead disclosure and possibly remediation if peeling surfaces are present.",
"Bathrooms exist and contain the fixtures described in the listing, but their condition was not photographed and is assumed serviceable."
],
"overall_score": 81.0,
"rubric_version": "ns-p-hcv-v1"
},
{
"summary": "Overall the property appears close to turnkey for a Housing Choice Voucher/NSPIRE initial inspection. Exterior and interior finishes are well maintained, major appliances and HVAC vents are present, and there are no visible structural or life-safety failures in the photos. The most likely inspection items to address are detector placement (smoke/CO), GFCI protection in wet areas, and routine verification of electrical panel, water heater and HVAC operation. With small corrective items (install/verify detectors, add/label GFCIs if missing, address any minor electrical or plumbing servicing) the home should be rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Photos and listing show generally well-maintained interior finishes: intact hardwood floors, painted walls, trim/crown molding in good condition and a clean kitchen with range, refrigerator and dishwasher present. No visible major cosmetic damage, stains or collapsed surfaces. Minor items visible or likely: a small hanging ceiling wire in kitchen area, mixed flooring (tile/wood/carpet) that may need touch-up, and normal age-related finish wear. Missing appliances are not an issue here (major appliances shown). Overall condition suggests only minor/cosmetic repairs and routine maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 78.0,
"rationale": "No obvious life-threatening hazards in photos: no collapsed ceilings, no standing water, no visible major electrical hazards or open wiring, and entry steps have a handrail. Window sizes in main living areas appear adequate for egress; bedrooms not pictured but listing indicates conventional bedrooms. However smoke and CO detectors are not visible in the photos and GFCI outlets at the kitchen sink are not clearly identifiable; electrical panel is not shown. Because smoke/CO/GFCI are common NSPIRE failure points but are likely present or easily remedied in an updated home, this is judged a moderate risk but not an immediate fail based on visible evidence."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 75.0,
"rationale": "Duct registers and ceiling venting visible — indicates central HVAC likely present. Kitchen appliances (range, refrigerator, dishwasher) are shown and appear functional. Roof appears to have intact asphalt shingles and plumbing vent/flue visible with no obvious signs of active leak or sagging. Water heater, electrical panel, and HVAC equipment condition/age are not shown; given the house’s 1959 build date there is moderate risk of older systems needing service or replacement. No visible evidence of immediate system failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior photos show vinyl siding in good repair, maintained landscaping, intact concrete driveway and walkway, and no visible foundation settlement or major cracks. Roofline appears straight and gutters are present. Yard appears free of standing water and trip hazards at the front walk are minimal. Overall exterior condition is good and shows routine upkeep."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Bedrooms have standard egress windows consistent with the photos of main living areas and are not shown to have blocked/exterior-obstructed exits.",
"Central HVAC is present and operable as suggested by visible ceiling registers; no major heating absence is assumed.",
"Water heater and main plumbing are present and functional despite not being visible in photos; no active leaks are evident in living spaces.",
"Smoke and carbon monoxide detectors may be present but are not visible in photos; if absent they would be an easy fix prior to inspection.",
"Electrical panel is intact and positioned per code, although panel condition and presence of GFCI outlets could not be confirmed from photos.",
"Listing statement regarding two full bathrooms with baths and separate showers is accurate; their plumbing fixtures are functioning unless otherwise discovered at inspection.",
"No evidence of severe pest infestation, foundation movement, major roof failure, or mold was visible in the provided images."
],
"overall_score": 79.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "42 Davis Blvd, Jefferson, LA, 70121",
"aggregate": {
"summary": "Overall this Rio Vista cottage appears rent-ready with mostly cosmetic and verification items remaining. Interior finishes and appliances are present and in good visible condition, exterior and roof look sound, and HVAC register presence suggests a functioning system. Primary inspection risks are missing/unknown safety devices (smoke/CO detectors, GFCI locations), and unshown systems (electrical panel, water heater, plumbing access) that should be verified. Expect minor repairs and documentation/verification to bring the unit to full NSPIRE compliance; likely passable within 1–4 weeks with targeted fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 81.7,
"rationale": "Exterior and interior photos show well-maintained siding, clean landscaped yard, intact driveway and sidewalks, and generally good interior finishes (hardwood floors, painted cabinetry, tile floors). Kitchen and major appliances (range, refrigerator, dishwasher) are present in photos, reducing immediate turnkey work. Minor likely touch-ups: repainting cabinet edges, small grout/floor transitions, and routine cosmetic maintenance. No visible collapsed surfaces or exposed subfloor."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 84.0,
"rationale": "Front yard, planting beds, driveway and walkway are well-maintained. Siding and trim appear in good repair and windows/shutters are intact. Crawlspace/skirt appears typical; no visible major foundation cracks or erosion. Vegetation is close to foundation (minor maintenance recommended). No visible pest infestation or excessive debris on lot. Drainage slope away from house not fully verifiable but no standing water visible."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 74.7,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no visible severe foundation movement). Central HVAC vents visible. Front steps have a handrail. However smoke detectors and carbon monoxide detectors are not visible in photos; GFCI outlets in kitchen/bath are not verifiable. Electrical panel, service, and plumbing chase access are not shown. Bedroom egress windows appear present but exact dimensions not confirmed. Because many required safety items are not visible, there is moderate inspection risk even though no severe hazards appear in imagery."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof / HVAC / Plumbing / Electrical)",
"score": 73.3,
"rationale": "Shingle roof appears intact in exterior photos with no visible sagging or active leaks. Ceiling vents and a central-style HVAC return/register indicate a central HVAC system likely present. Kitchen fixtures and appliances appear operational in photos. Water heater and electrical panel are not shown, so their condition is unknown. Given the age (1959) but visible renovations and maintained finishes, systems likely functional but verification/servicing may be required prior to inspection."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"Smoke and CO detectors are not visible in photos; assume they may be missing or not easily verifiable and will need to be confirmed/installed if absent.",
"Electrical panel, water heater, and HVAC equipment locations are not shown; assume they exist and are operable but require verification and possibly servicing due to the house age (1959).",
"No active roof leaks are visible externally; assume roof interior (attic/ceiling) has no hidden water damage unless inspection shows otherwise.",
"Bedrooms have legal egress windows based on visible window sizes; exact egress measurements not confirmed from photos.",
"Kitchen appliances shown in photos are in working order, but operational verification is required prior to inspection.",
"No evidence of severe mold, termite damage, collapsed ceilings, or foundation movement was visible; assume absence unless further inspection reveals hidden issues.",
"Vegetation near foundation is manageable and not currently causing structural issues but should be trimmed to reduce moisture risk."
],
"score_method": "mean_of_criteria",
"overall_score": 78.2,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8862987019"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.