Property ID: 8869482665
3913 Isabel St, Jefferson, LA, 70121
Jefferson, LA
Money Down: $52,200
CoC Return: 4.29%
Monthly Cash Flow: $187
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$43,500
Closing Costs
$8,700
Total Down
$52,200
Investment Snapshot
Purchase Price
$217,500
Money Down
$52,200
Cash-on-Cash Return
4.29%
Rent
$1,696
Monthly Cash Flow
$187
Annual Cash Flow
$2,239
Debt Service / Mo
$1,158
Property Tax / Mo
$81
Insurance / Mo
$101
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$101
Property Tax
$81
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,344
Debt Service
$1,158
Cash Flow After Debt
$187
Quality Score: 74.20%
Confidence: 94.00%
Overall the property appears to be in good, mostly move‑in condition with intact structure, working appliances visible, central HVAC registers, and well‑kept exterior features (driveway/carport/shed). Likely to pass a Housing Choice Voucher/NSPIRE initial inspection after addressing standard pre-rental items: confirm/install smoke and CO detectors, verify water heater and electrical panel condition, and install/verify GFCI protection in kitchen/bath as required. Expected time-to-rent: under 30 days for checks and minor items; turnkey after detector installations and system verifications.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$217,500
Beds
3
Baths
2
Living Area
1,655 sqft
Lot Size
—
Year Built
1960
Days on Market
75
Capital Outlay
$52,200
Debt Service
$1,158
Property Tax / Mo
$81
Insurance / Mo
$101
Property Description
Charming Old Jefferson cottage with timeless appeal and endless potential. This well-maintained 3-bedroom, 2-bath home features beautiful hardwood floors throughout and a functional, comfortable layout. The home has been lovingly cared for over the years and offers a great opportunity for a buyer to bring their personal touch and updates to truly make it their own. Exterior highlights include rear yard vehicle access, covered carport parking, and a detached storage shed. Conveniently located with quick access to Airline Drive, Earhart Expressway, and Jefferson Highway, plus a wide range of nearby shopping, dining, and everyday amenities. A solid home in a great location-don't miss the chance to make it yours.
Utility Allowances
Cooking (Natural Gas)
$12
The property listing indicates natural gas is available and includes a 'Range/Oven', making this the most logical fuel choice.
Heating (Natural Gas)
$70
The property features central heating and the listing explicitly states 'Gas: Natural'.
Other Electric
$67
This is a standard allowance for general electricity, which includes lighting, outlets, and the property's central cooling system.
Sewer
$46
The property listing specifies a connection to the 'City' sewer system.
Trash Collection
$25
Trash collection is a standard required utility for a single-family home in this area.
Water
$43
The property listing specifies the 'Water Source: Public'.
Water Heating (Natural Gas)
$24
With natural gas available for other appliances, it is the assumed fuel for water heating for cost and efficiency.
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$1,185
DP3 Annual Estimate$1,238
DP1 Monthly Equivalent$99
DP3 Monthly Equivalent$103
Replacement Value$37,500
Basis1,655 sqft / 1960
Nearby Houses
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2 bd / 1 ba · 774 sqft
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1015 Roselawn St
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612 Honore Dr
sold · 0.18 mi
Price: $239,000
2 bd / 1 ba · 1,119 sqft
Latest sale: — on Jun 25, 2021
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3803 Alfred Pl
sold · 0.18 mi
Price: $190,000
3 bd / 1 ba · 1,425 sqft
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3793 Williams Pl
sold · 0.19 mi
Price: $379,900
3 bd / 2 ba · 1,789 sqft
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613 Tucker Ave
off_market · 0.21 mi
Price: $1,650
2 bd / 1 ba · 817 sqft
Latest sale: — on Jun 20, 2019
Latest rent: $1,750 on Jul 02, 2025
Photo unavailable
757 Canton St
for_sale · 0.21 mi
Price: $299,900
4 bd / 2 ba · 1,325 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1012 Lillian St
off_market · 0.22 mi
Price: $1,850
4 bd / 1 ba · 1,362 sqft
Latest sale: —
Latest rent: —
Photo unavailable
609 Tucker Ave
for_sale · 0.23 mi
Price: $265,000
3 bd / 2 ba · 1,629 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1016 Lillian St Lot 22
for_sale · 0.23 mi
Price: $124,900
— bd / — ba · 4,875 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3915 Morris Pl
for_sale · 0.24 mi
Price: $195,000
3 bd / 1 ba · 1,309 sqft
Latest sale: —
Latest rent: —
Photo unavailable
601 Gelpi Ave
sold · 0.24 mi
Price: $262,000
2 bd / 1 ba · 1,052 sqft
Latest sale: —
Latest rent: —
Photo unavailable
609 Carol Dr
for_sale · 0.27 mi
Price: $225,000
3 bd / 1 ba · 1,050 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3811 Morris Pl
for_sale · 0.28 mi
Price: $280,000
4 bd / 2 ba · 1,612 sqft
Latest sale: — on Nov 25, 2019
Latest rent: $2,100 on Apr 26, 2024
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC is present and operational (ceiling registers visible) but not functionally tested in photos.
- Smoke detectors and carbon monoxide detectors are not visible; assume they may be missing or need relocation/replacement to meet NSPIRE requirements.
- Electrical panel condition, breaker labeling, and AFCI/GFCI protections are not visible and may require verification/upgrades.
- Water heater and hot water supply are present but not shown; assume functioning unless inspection finds otherwise.
- No active roof leaks or major foundation movement based on exterior photos; interior ceilings appear even with no staining visible.
- No visible peeling paint; house was built in 1960 so lead-based paint hazard is possible — assume no obvious peeling but disclosure/lead risk evaluation may be required.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $946 | $75,000 | $7,500 |
| 2024 | $945 | $75,000 | $7,500 |
| 2023 | $986 | $75,000 | $7,500 |
| 2022 | $960 | $75,000 | $7,500 |
| 2021 | $892 | $75,000 | $7,500 |
| 2020 | $886 | $75,000 | $7,500 |
| 2019 | $910 | $75,000 | $7,500 |
| 2018 | $850 | $75,000 | $7,500 |
| 2017 | $850 | $75,000 | $7,500 |
| 2016 | $834 | $75,000 | $7,500 |
| 2015 | $854 | $75,000 | $7,500 |
| 2014 | $843 | $75,000 | $7,500 |
| 2013 | $843 | $75,000 | $7,500 |
| 2010 | $770 | $75,000 | $7,500 |
| 2009 | $770 | $75,000 | $7,500 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-16 | Price Changed | $217,500 |
| 2026-02-10 | Price Changed | $225,000 |
| 2026-01-23 | Listed | $235,000 |
Photo Gallery
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"County: Jefferson",
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"Year Built: 1953",
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"Property Age: 73",
"Roof: Shingle",
"Levels or Stories: 2.00000",
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"Year Built Effective: 2024",
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"https://ap.rdcpix.com/26813e8d9960d9fe7e500b2dc3204a04l-m211402911s-w1280.jpg",
"https://ap.rdcpix.com/26813e8d9960d9fe7e500b2dc3204a04l-m2132929471s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 100.96,
"monthly_cash_flow": 1344.24,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property listing indicates natural gas is available and includes a 'Range/Oven', making this the most logical fuel choice.",
"utility": "Cooking (Natural Gas)",
"allowance": 12
},
{
"note": "The property features central heating and the listing explicitly states 'Gas: Natural'.",
"utility": "Heating (Natural Gas)",
"allowance": 70
},
{
"note": "This is a standard allowance for general electricity, which includes lighting, outlets, and the property's central cooling system.",
"utility": "Other Electric",
"allowance": 67
},
{
"note": "The property listing specifies a connection to the 'City' sewer system.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard required utility for a single-family home in this area.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "The property listing specifies the 'Water Source: Public'.",
"utility": "Water",
"allowance": 43
},
{
"note": "With natural gas available for other appliances, it is the assumed fuel for water heating for cost and efficiency.",
"utility": "Water Heating (Natural Gas)",
"allowance": 24
}
],
"cash_on_cash_return": 0.37,
"down_payment_amount": 43500.0,
"property_tax_annual": 974.38,
"property_tax_monthly": 81.2,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"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": 2239.4,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": 186.62,
"cash_on_cash_return_after_debt": 0.05
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be in good, mostly move‑in condition with intact structure, working appliances visible, central HVAC registers, and well‑kept exterior features (driveway/carport/shed). Likely to pass a Housing Choice Voucher/NSPIRE initial inspection after addressing standard pre-rental items: confirm/install smoke and CO detectors, verify water heater and electrical panel condition, and install/verify GFCI protection in kitchen/bath as required. Expected time-to-rent: under 30 days for checks and minor items; turnkey after detector installations and system verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show generally well-maintained finishes: intact hardwood floors, clean tile in kitchen, intact cabinetry, no visible major drywall or ceiling damage. Appliances (range, refrigerator, dishwasher) are present which reduces capital needs. Cosmetic updates (cabinet refinish, lighting, possibly repainting) may be desired but are not needed for an inspection pass. No visible peeling paint or exposed subfloor. These are easy-to-fix/cosmetic items."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 70.0,
"rationale": "No visible life‑threatening hazards in photos: no collapsed ceilings, standing water, or obvious structural sagging. Entry door appears secure and exterior steps are low. However, smoke detectors and carbon monoxide detectors are not visible in the photos (NSPIRE requires working smoke detectors in sleeping area corridors and CO detectors where fuel-burning appliances/attached parking exist). GFCI outlets near sinks are not evident in photos and the electrical panel is not shown. No exposed wiring or major trip hazards visible. Because several required safety items are not clearly visible, score is reduced for likely needing quick code check/installation of detectors and possible GFCI outlets."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Ceiling HVAC supply/return registers are visible, indicating central HVAC (positive for tenant comfort). Appliances and plumbing fixtures appear present and intact (kitchen sink, dishwasher). Roof appears intact from the front elevations with no visible active leaks or sagging. Water heater and electrical panel are not shown so their condition is unknown; assume typical-function but recommend service verification. Because critical systems are present but unverified, score reflects moderate confidence with a recommendation for mechanical servicing and panel/water‑heater verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior brick facade, driveway, carport and yard are tidy and show no obvious deferred maintenance. Driveway and walkway are intact; carport provides covered parking and there is a detached shed for storage (good for tenant use). No visible erosion, standing water, or significant foundation displacement from the provided angles. Landscaping is maintained and curb appeal is strong."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (ceiling registers visible) but not functionally tested in photos.",
"Smoke detectors and carbon monoxide detectors are not visible; assume they may be missing or need relocation/replacement to meet NSPIRE requirements.",
"Electrical panel condition, breaker labeling, and AFCI/GFCI protections are not visible and may require verification/upgrades.",
"Water heater and hot water supply are present but not shown; assume functioning unless inspection finds otherwise.",
"No active roof leaks or major foundation movement based on exterior photos; interior ceilings appear even with no staining visible.",
"No visible peeling paint; house was built in 1960 so lead-based paint hazard is possible — assume no obvious peeling but disclosure/lead risk evaluation may be required."
],
"overall_score": 76.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This 3-bed, 2-bath brick cottage presents as largely rent-ready with mostly cosmetic and age-related items to update. Key strengths are intact hardwood floors, present appliances, solid exterior and visible HVAC ducts. Moderate inspection risks that should be confirmed before a Section 8/HCV inspection include presence/operation of CO alarm, GFCI protection in kitchen/baths, condition/age of HVAC, water heater and electrical panel, and verified bedroom egress windows. With targeted checks and likely minor fixes (install CO alarm if missing, add/verify GFCI outlets, confirm smoke detectors and servicing of HVAC/water heater), the property would likely pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show a well-maintained mid-century cottage with intact hardwood floors, painted walls, trim, tile floors in kitchen, and functioning appliances (stove, refrigerator, dishwasher visible). Cosmetic/age-related deferred items (dated kitchen cabinets, trim and wallpaper in places) but no visible severe damage. Missing handrail at the small front steps and some dated fixtures are easy-to-fix. Overall few visible repair needs and no catastrophic interior defects shown."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible exposed wiring, ceilings intact, no visible mold or water stains, and at least one smoke alarm device visible in photos. Central HVAC vents indicate heating/cooling present. However carbon-monoxide alarm is not visible (gas stove present), GFCI outlets at kitchen sink are not observable, and bedroom egress windows are not shown (assumed present but not verified). These unknowns create moderate inspection risk though no immediate life-threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Photos show central air registers (suggesting an existing HVAC system) and an intact shingled roofline with no obvious sag or missing areas from exterior photos. Appliances are present and plumbing fixtures appear intact. Critical system components (electrical panel, water heater, furnace/air handler) are not shown; their condition and age are unknown. No signs of active leaks or severe drainage problems in images. Unknowns reduce the score moderately."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 85.0,
"rationale": "Brick exterior, concrete driveway and covered carport appear in good repair. Rear yard vehicle access and detached shed present. Walkways are even, yard appears graded, no standing water visible, and foundation exposure looks typical for the type. Minor landscaping and no visible major exterior deterioration."
}
],
"red_flags": [
"No carbon-monoxide detector visible in photos — gas range present; CO alarm absence could fail inspection in jurisdictions that require CO alarms.",
"GFCI protection at kitchen/bath outlets not visible — may require upgrade to meet safety requirements.",
"Condition and age of major systems (electrical panel, water heater, HVAC equipment) not shown — unknowns that could become inspection issues if aged or nonfunctional."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational because ceiling/return registers are visible in multiple rooms; no visual evidence of a missing heating/cooling system.",
"Hot water heater and electrical panel exist and are functional, but were not photographed; assumed serviceable since no interior signs of leaks or electrical failure are visible.",
"Bedrooms have typical egress windows (not shown) consistent with a 1960 single-family layout; egress not directly verified from photos.",
"Smoke detectors are present (at least one visible) but additional detectors and CO alarm locations are not fully documented in photos.",
"No evidence of active roof leaks or major water intrusion in the interior photos; ceiling surfaces appear intact.",
"Property built 1960 — potential for lead-based paint exists; lead-safe work practices assume needed for updates but no peeling paint visible in photos."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-2026-v1"
},
{
"summary": "Overall this 1960 single-family home presents as generally well-maintained and likely to pass a Section 8/HCV initial inspection after a small number of straightforward fixes. The property shows sound cosmetic condition, functioning kitchen appliances, central HVAC ducts, and an intact exterior. The principal inspection risks are missing/unclear smoke and carbon-monoxide detector coverage near bedrooms, unconfirmed GFCI protection at kitchen counters, and unverified bedroom egress window sizes. These items are typically quick to remediate (install detectors, retrofit GFCI outlets, verify/replace egress windows if necessary). Because the property was built in 1960, lead-based paint disclosure and compliance steps will be required for rental; that administrative requirement (and any identified peeling paint) must be addressed prior to leasing. With targeted work (likely under 30 days) this property is rent-ready for Section 8, and many items could be completed within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Interior photos show well-maintained hardwood floors, intact drywall, painted surfaces and generally clean finishes. Kitchen and cabinetry are dated but appear serviceable; appliances (range, refrigerator, dishwasher) are present. Minor cosmetic updating likely (cabinet faces, ceiling fixtures, fans) but no visible large patching or collapsed finishes. Front steps lack a handrail which is an easy repair. Overall only minor-to-moderate cosmetic/fit-out work expected."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No visible exposed wiring or active water intrusion. Front entry has a deadbolt. Central HVAC vents visible, no collapsed ceilings, and no visible severe mold. However smoke/CO detector coverage is not clearly shown in sleeping areas (one ceiling device visible in kitchen area only) and CO alarm is not visible despite a gas range — this is a common initial inspection requirement and would likely be cited if missing. GFCI protection at kitchen counters is not confirmed. Bedroom egress windows cannot be confirmed from photos (some small clerestory windows are present in the rear area). Because of these unclear but important items there is a moderate risk of initial inspection citations."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC, electrical, plumbing, roof",
"score": 70.0,
"rationale": "Central ducted HVAC supply/return vents are present in multiple rooms (visual evidence of central system). Roof and gutters appear intact from exterior photos; no visible roof sag or active staining on ceilings. Kitchen plumbing fixtures appear functional; appliances present. Electrical panel and water heater are not shown, so operational condition is assumed but unconfirmed. Given the visual evidence and lack of visible system failure, systems score is above average but reduced for unknown ages and lack of confirmation of water heater, panel, and operational testing."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, walkways, drainage",
"score": 85.0,
"rationale": "Brick exterior appears sound, driveway and carport provide secure off-street parking and rear-yard vehicle access, and yard/landscaping are well-kept. Walkway and driveway are intact with no visible major trip hazards. Detached storage shed and covered carport are positives. No visible standing water, major foundation cracks, or exterior structural distress in the provided photos."
}
],
"red_flags": [
"No clearly visible smoke detectors in/near bedrooms (required) — likely citation if not present.",
"No visible carbon monoxide alarm near sleeping areas despite presence of gas range — likely citation if not present.",
"GFCI protection at kitchen counter outlets not confirmed (required) — may be cited.",
"Bedroom egress compliance cannot be verified from photos (some small clerestory windows visible) — potential egress failure.",
"Property built in 1960 — lead-based paint disclosure and compliance required for rental; potential lead hazard risk if peeling paint exists."
],
"confidence": 0.72,
"assumptions": [
"Central HVAC is present (ducts and vents visible) and is operational or serviceable; no full HVAC replacement is required based on photos.",
"Hot water and water heater are present and functioning though not visible in listing photos.",
"Electrical service/panel is intact and free of exposed wiring; panel condition and breaker labeling not confirmed from photos.",
"Bedrooms have at least one egress-compliant window each (not explicitly shown) — if not, egress modifications would be required.",
"Smoke detectors and carbon monoxide alarm(s) are not visible in bedroom areas from photos and should be considered absent until confirmed; installation will likely be needed.",
"No visible active roof leaks or significant water intrusion were observed in interior photos; attic/roof condition beyond visual roofline is unconfirmed.",
"No visible peeling paint or active flaking was observed in photos; however the home was built in 1960 so lead-based paint regulations apply and disclosure/clearance steps may be required.",
"Kitchen has gas range (visible) and will therefore require an operational CO alarm and proper gas shutoff/connection verification during inspection."
],
"overall_score": 74.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3913 Isabel St, Jefferson, LA, 70121",
"aggregate": {
"summary": "Overall the property appears to be in good, mostly move‑in condition with intact structure, working appliances visible, central HVAC registers, and well‑kept exterior features (driveway/carport/shed). Likely to pass a Housing Choice Voucher/NSPIRE initial inspection after addressing standard pre-rental items: confirm/install smoke and CO detectors, verify water heater and electrical panel condition, and install/verify GFCI protection in kitchen/bath as required. Expected time-to-rent: under 30 days for checks and minor items; turnkey after detector installations and system verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Interior and exterior photos show generally well-maintained finishes: intact hardwood floors, clean tile in kitchen, intact cabinetry, no visible major drywall or ceiling damage. Appliances (range, refrigerator, dishwasher) are present which reduces capital needs. Cosmetic updates (cabinet refinish, lighting, possibly repainting) may be desired but are not needed for an inspection pass. No visible peeling paint or exposed subfloor. These are easy-to-fix/cosmetic items."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior brick facade, driveway, carport and yard are tidy and show no obvious deferred maintenance. Driveway and walkway are intact; carport provides covered parking and there is a detached shed for storage (good for tenant use). No visible erosion, standing water, or significant foundation displacement from the provided angles. Landscaping is maintained and curb appeal is strong."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 66.7,
"rationale": "No visible life‑threatening hazards in photos: no collapsed ceilings, standing water, or obvious structural sagging. Entry door appears secure and exterior steps are low. However, smoke detectors and carbon monoxide detectors are not visible in the photos (NSPIRE requires working smoke detectors in sleeping area corridors and CO detectors where fuel-burning appliances/attached parking exist). GFCI outlets near sinks are not evident in photos and the electrical panel is not shown. No exposed wiring or major trip hazards visible. Because several required safety items are not clearly visible, score is reduced for likely needing quick code check/installation of detectors and possible GFCI outlets."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Ceiling HVAC supply/return registers are visible, indicating central HVAC (positive for tenant comfort). Appliances and plumbing fixtures appear present and intact (kitchen sink, dishwasher). Roof appears intact from the front elevations with no visible active leaks or sagging. Water heater and electrical panel are not shown so their condition is unknown; assume typical-function but recommend service verification. Because critical systems are present but unverified, score reflects moderate confidence with a recommendation for mechanical servicing and panel/water‑heater verification."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Central HVAC is present and operational (ceiling registers visible) but not functionally tested in photos.",
"Smoke detectors and carbon monoxide detectors are not visible; assume they may be missing or need relocation/replacement to meet NSPIRE requirements.",
"Electrical panel condition, breaker labeling, and AFCI/GFCI protections are not visible and may require verification/upgrades.",
"Water heater and hot water supply are present but not shown; assume functioning unless inspection finds otherwise.",
"No active roof leaks or major foundation movement based on exterior photos; interior ceilings appear even with no staining visible.",
"No visible peeling paint; house was built in 1960 so lead-based paint hazard is possible — assume no obvious peeling but disclosure/lead risk evaluation may be required."
],
"score_method": "mean_of_criteria",
"overall_score": 74.2,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8869482665"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.