Property ID: 8876459987
219 72nd St, Birmingham, AL, 35206
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$2,560
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$64,000
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 62.10%
Confidence: 84.00%
Moderate-to-good turn-key potential: the property appears structurally intact with a recently replaced roof (2022) but shows exterior cosmetic deferred maintenance (peeling paint, aged awning, overgrown shrubs). Major safety/systems items (smoke/CO detectors, GFCI, HVAC, electrical panel, interior condition, and bedroom egress) are not visible and must be verified. Likely passable with minor-to-moderate repairs and safety fixes; estimate rent-ready in ~2–4 weeks if interiors/systems are functional, longer if electrical/plumbing/lead remediation is needed.
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$64,000
Beds
3
Baths
1
Living Area
1,960 sqft
Lot Size
4,792 sqft
Year Built
1918
Days on Market
144
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
This 3 bedroom, 1 bathroom home offers solid investment potential with a new roof installed in 2022 and reliable tenants already in place. The property provides steady rental income, making it a strong addition to any portfolio, while the recent roof update gives peace of mind on one of the biggest expenses. With manageable upkeep and income-producing occupancy, this home is well-suited for both new and seasoned investors. Rent 925.00 , CapRate 17.34%.
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$713
DP3 Annual Estimate$1,018
DP1 Monthly Equivalent$59
DP3 Monthly Equivalent$85
Replacement Value$87,900
Basis1,960 sqft / 1918
Nearby Houses
Photo unavailable
221 72nd St
for_sale · 0.01 mi
Price: $75,000
3 bd / 1 ba · 1,015 sqft
Latest sale: $49,900 on Jun 27, 2016
Latest rent: $1,050 on May 25, 2025
Photo unavailable
7205 2nd Ave
for_sale · 0.02 mi
Price: $98,000
2 bd / 1 ba · 771 sqft
Latest sale: $70,000
Latest rent: —
Photo unavailable
218 72nd St
sold · 0.03 mi
Price: $110,000
3 bd / 2 ba · 1,300 sqft
Latest sale: $110,000
Latest rent: —
Photo unavailable
7127 2nd Ave S
sold · 0.05 mi
Price: $90,000
3 bd / 1 ba · 1,260 sqft
Latest sale: $90,000
Latest rent: —
Photo unavailable
7226 3rd Ave S
sold · 0.05 mi
Price: $11,500
2 bd / 1 ba · 1,184 sqft
Latest sale: $11,500 on Feb 07, 2020
Latest rent: —
Photo unavailable
7203 3rd Ave S
sold · 0.05 mi
Price: $130,000
2 bd / 2 ba · 1,292 sqft
Latest sale: $130,000
Latest rent: —
Photo unavailable
7223 S 3rd Ave
sold · 0.06 mi
Price: $169,900
3 bd / 2 ba · 1,482 sqft
Latest sale: $169,900 on Jul 10, 2024
Latest rent: —
Photo unavailable
7125 3rd Ave S
off_market · 0.07 mi
Price: $1,000
2 bd / 1 ba · 1,120 sqft
Latest sale: $23,101 on Jul 14, 2022
Latest rent: $1,000 on Aug 25, 2025
Photo unavailable
7212 S 2nd Ave
sold · 0.07 mi
Price: $149,000
2 bd / 1 ba · 1,183 sqft
Latest sale: $149,000 on May 16, 2022
Latest rent: —
Photo unavailable
7112 3rd Ave S
sold · 0.07 mi
Price: $151,000
3 bd / 2 ba · 1,590 sqft
Latest sale: $151,000 on Aug 15, 2025
Latest rent: —
Photo unavailable
116 72nd St S
sold · 0.08 mi
Price: $35,100
3 bd / 1 ba · 1,480 sqft
Latest sale: $35,100
Latest rent: —
Photo unavailable
7228 2nd Ave S
sold · 0.09 mi
Price: $44,000
3 bd / 1 ba · 1,626 sqft
Latest sale: $44,000
Latest rent: —
Photo unavailable
217 73rd St S
sold · 0.10 mi
Price: $16,000
2 bd / 1 ba · 756 sqft
Latest sale: $16,000
Latest rent: —
Photo unavailable
7300 3rd Ave S
sold · 0.10 mi
Price: $210,500
3 bd / 2 ba · 1,559 sqft
Latest sale: $210,500
Latest rent: —
Photo unavailable
7209 1st Ave S
sold · 0.11 mi
Price: $123,000
3 bd / 1 ba · 1,202 sqft
Latest sale: $123,000
Latest rent: —
Photo unavailable
7223 1st Ave S
off_market · 0.11 mi
Price: $1,295
3 bd / 1 ba
Latest sale: $18,912 on Nov 07, 2024
Latest rent: $1,295 on Dec 09, 2025
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- Peeling exterior paint on a home built in 1918 — potential lead-based paint hazard that must be addressed for tenancy.
- Overgrown shrubs partially blocking porch windows — possible egress/access obstruction.
- No visible evidence of required safety items (smoke/CO detectors, GFCI) in photos — inspection risk until verified.
Assumptions
- Listing statement that a new roof was installed in 2022 is accurate and reflects a sound roof covering.
- Interior condition, presence/condition of smoke and carbon monoxide detectors, GFCI outlets, heating/cooling equipment, water heater, and appliances are unknown and not visible in the supplied photo.
- No active leaks, collapsed ceilings, or major foundation movement exist beyond what is visible in the exterior photo; absence of visible severe distress is taken at face value.
- Tenancy claimed in the listing is not verifiable from the supplied snapshot metadata, so rental_history_activity is excluded from scoring.
- Peeling exterior paint on a 1918 structure is treated as a potential lead-paint hazard requiring testing/mitigation during inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $713 | $49,200 | $9,840 |
| 2023 | $713 | $49,200 | $9,840 |
| 2022 | $646 | $44,600 | $8,920 |
| 2021 | $566 | $39,100 | $7,820 |
| 2020 | $566 | $39,100 | $7,820 |
| 2019 | $566 | $46,600 | $9,320 |
| 2018 | $593 | $40,900 | $8,180 |
| 2017 | $593 | $40,900 | $8,180 |
| 2016 | $593 | $40,900 | $8,180 |
| 2011 | $814 | $57,500 | $11,500 |
| 2010 | $814 | $57,500 | $11,500 |
| 2008 | $860 | $60,800 | $12,160 |
| 2007 | $865 | $61,200 | $12,240 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-09-25 | Listed | $64,000 |
| 2024-09-17 | Listing removed | $0 |
| 2024-09-13 | Listed for rent | $925 |
| 2023-05-22 | Listing removed | $800 |
| 2023-05-18 | Price Changed for rent | $800 |
| 2023-05-04 | Price Changed for rent | $850 |
| 2023-03-28 | Price Changed for rent | $900 |
| 2023-02-23 | Price Changed for rent | $950 |
| 2023-02-02 | Listed for rent | $1,050 |
| 2022-10-27 | Sold | $455,000 |
| 2016-06-27 | Sold | $50,000 |
| 2015-10-30 | Sold | $12,000 |
| 2015-08-24 | Price Changed | $15,000 |
| 2015-08-11 | Listed | $20,000 |
| 2006-08-02 | Sold | $200,000 |
Photo Gallery
Show raw JSON (debug)
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"price_sqft": 51.02040816326531,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2015-10-30",
"price": 12000,
"listing": {
"status": "sold",
"list_date": "2015-08-11T07:00:00Z",
"list_price": 15000,
"listing_id": "599746087",
"last_update_date": "2015-12-02T21:11:00Z",
"last_status_change_date": "2015-10-30T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -3000,
"days_after_listed": "80 days",
"source_listing_id": "725935",
"price_change_percentage": "-40.00%"
},
{
"date": "2015-08-24",
"price": 15000,
"listing": {
"status": "sold",
"list_date": "2015-08-11T07:00:00Z",
"list_price": 15000,
"listing_id": "599746087",
"last_update_date": "2015-12-02T21:11:00Z",
"last_status_change_date": "2015-10-30T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "725935",
"price_change_percentage": null
},
{
"date": "2015-08-11",
"price": 20000,
"listing": {
"status": "sold",
"list_date": "2015-08-11T07:00:00Z",
"list_price": 15000,
"listing_id": "599746087",
"last_update_date": "2015-12-02T21:11:00Z",
"last_status_change_date": "2015-10-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "725935",
"price_change_percentage": "-90.00%"
},
{
"date": "2006-08-02",
"price": 200000,
"listing": null,
"event_name": "Sold",
"price_sqft": 204.08163265306123,
"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": "8876459987",
"generated_at": "2026-02-16T02:21:33.143862Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 62.1
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate-to-good turn-key potential: the property appears structurally intact with a recently replaced roof (2022) but shows exterior cosmetic deferred maintenance (peeling paint, aged awning, overgrown shrubs). Major safety/systems items (smoke/CO detectors, GFCI, HVAC, electrical panel, interior condition, and bedroom egress) are not visible and must be verified. Likely passable with minor-to-moderate repairs and safety fixes; estimate rent-ready in ~2–4 weeks if interiors/systems are functional, longer if electrical/plumbing/lead remediation is needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photo shows moderate deferred maintenance only: peeling paint on siding/gable, dented/aged metal awning, overgrown shrubs blocking the front porch windows, and a broken curb/walkway element. No visible structural collapse, major water stains, or exterior wall failure. Listing reports a new roof in 2022 which reduces major near-term capital exposure. Interior condition not shown; no appliances or interior damage visible. Overall primarily cosmetic and minor repair work likely required."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 55.0,
"rationale": "No obvious life-threatening hazards visible on exterior (no sagging roof, collapsed elements, standing water). However multiple NSPIRE items cannot be confirmed from the provided photo: smoke/CO detectors, GFCI protection, electrical panel condition, secure deadbolt, and bedroom egress are unknown. Visible peeling exterior paint on a 1918 house creates a potential lead-paint risk that must be tested/mitigated. Overgrown shrubs partially block porch windows which could impair egress/inspection access. Because many required safety items are unverified and lead risk is probable, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Listing states a new roof (2022) which is a positive for the roof system. Photo does not show an exterior HVAC condenser or water heater; electrical and plumbing systems are not visible. Given the age of the house (1918) there is elevated risk of older plumbing/electrical equipment, but there is no visible evidence of active leaks, roof failure, or external mechanical collapse. Overall systems risk is moderate due to lack of visible confirmation of HVAC, water heater, and panel condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Front yard is maintained but slightly overgrown; foundation brick appears intact and painted. Siding shows peeling paint and trim needs repainting; the metal awning and porch trim are worn. Walkway appears mostly intact though low curb/wood debris at curb and some unevenness noted. No visible major foundation cracks, obvious drainage ponding, or infestation evidence in the photo. Trees are close to the house which can affect gutters/drainage but no active erosion is visible."
}
],
"red_flags": [
"Peeling exterior paint on a home built in 1918 — potential lead-based paint hazard that must be addressed for tenancy.",
"Overgrown shrubs partially blocking porch windows — possible egress/access obstruction.",
"No visible evidence of required safety items (smoke/CO detectors, GFCI) in photos — inspection risk until verified."
],
"confidence": 0.55,
"assumptions": [
"Listing statement that a new roof was installed in 2022 is accurate and reflects a sound roof covering.",
"Interior condition, presence/condition of smoke and carbon monoxide detectors, GFCI outlets, heating/cooling equipment, water heater, and appliances are unknown and not visible in the supplied photo.",
"No active leaks, collapsed ceilings, or major foundation movement exist beyond what is visible in the exterior photo; absence of visible severe distress is taken at face value.",
"Tenancy claimed in the listing is not verifiable from the supplied snapshot metadata, so rental_history_activity is excluded from scoring.",
"Peeling exterior paint on a 1918 structure is treated as a potential lead-paint hazard requiring testing/mitigation during inspection."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on the front-exterior photo and listing text, the property appears to be a moderate-risk rental candidate for a Housing Choice Voucher inspection. Strengths: listing-reported new roof (2022) and no visible major structural failures. Visible issues: peeling exterior paint (potential lead risk given 1918 construction), aged/damaged porch awning, overgrown shrubs against the foundation, and general exterior cosmetic deterioration. Major mechanical and safety items (smoke/CO detectors, GFCI, HVAC, hot water, electrical panel, bedroom egress) are not visible from photos and therefore create inspection risk. Estimated readiness: Moderate repairs required; likely 30–60 days to address visible items and confirm/repair hidden system or safety issues prior to passing an initial NSPIRE/HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 65.0,
"rationale": "Front exterior shows moderate deferred maintenance: peeling paint on gable/trim and on painted brick, damaged/aged aluminum awning over enclosed porch, overgrown shrubs obscuring foundation and lower siding, and a broken/loose curb/landscape timber on the lawn. No visible structural sagging, collapsed elements, or major exterior cracks. Listing states a new roof (2022) which reduces roof-related repair needs. Interior and appliances not photographed; missing appliances assumed possible but not penalized heavily. Overall condition appears serviceable but needs cosmetic and minor repair work before turnover."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards visible from exterior photo (no collapsed ceilings, no standing water, no visible electrical hazards). However multiple NSPIRE checkpoints cannot be confirmed from photos: presence/placement of smoke and CO alarms, GFCI protection, egress window compliance in bedrooms, secure deadbolt, and interior mold/water staining. The age of the house (1918) combined with visible peeling paint raises potential lead‑paint risk for child-occupied units. Shrubs contacting siding can trap moisture and hide rot or pest entry—an inspection risk. Because there are no visible severe hazards but many unknowns, moderate risk is assigned."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electric, plumbing)",
"score": 55.0,
"rationale": "Positive: listing claims a new roof in 2022 and exterior shows a recently shingled roof with no visible sag or active leak evidence. Negative/unknown: no exterior HVAC condenser or furnace vent is visible in the front photo (unit may be at rear or interior), electrical panel and visible wiring not shown, plumbing and hot water system not verifiable, and water drainage/gutter condition is not clear. Given the new roof but the complete lack of visual confirmation of mechanical systems, assign a cautious mid score reflecting likely serviceable roof but unknown mechanicals and electrical/plumbing risks in an older home."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 60.0,
"rationale": "Front yard and walkway are intact but unkempt; curb and landscape timber show minor damage. Painted brick foundation appears generally intact with some paint loss. Siding and trim show peeling paint and localized wear. No obvious major foundation settlement, severe cracking, or visible drainage/standing water in the photo. Overgrown shrubs against the house are a negative (can hide damage and contribute to moisture). Overall the site is functional but needs routine exterior cleanup and paint/trim work."
}
],
"red_flags": [
"Peeling/chipping exterior paint on a pre-1978 (1918) home — potential lead-based paint hazard requiring evaluation/abatement.",
"Overgrown shrubs contacting siding and foundation — risk of concealed moisture damage or pest entry that can hide inspection-failing defects."
],
"confidence": 0.55,
"assumptions": [
"Listing statement that a new roof was installed in 2022 is accurate and the roof is in good condition.",
"Interior condition, presence and condition of smoke/CO alarms, GFCI protection, electrical panel condition, plumbing fixtures, hot water availability, and appliance presence/condition are unknown (no interior photos).",
"No exterior HVAC condenser visible in provided photo; an HVAC system may exist at rear of property or be otherwise not visible.",
"Peeling and chipping exterior paint on a 1918 house introduces a plausible lead‑paint risk that will require evaluation and possible remediation for Section 8 occupancy.",
"Overgrown shrubs are touching siding and likely conceal the foundation edge and lower siding, increasing the chance of hidden rot, pest entry, or moisture damage.",
"Listing's claim of 'reliable tenants already in place' was noted but not considered verified rental history for the past 5 years per metadata; rental_history_activity criterion excluded."
],
"overall_score": 60.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Overall the property appears moderately ready for Section 8 / HCV inspection. Strengths: reported new roof (2022), occupied with rental income, intact exterior structure and foundation, and no visible major structural failures. Primary concerns: peeling/deteriorated exterior paint (lead-risk for a 1918 home), shrubs blocking front windows (egress obstruction), and unverified interior life-safety items (smoke/CO detectors, GFCI, electrical panel, heating system). With targeted work — address deteriorated paint, trim shrubs, verify and install required detectors and GFCI, confirm HVAC/water heater and electrical panel condition — this property is likely to pass an initial NSPIRE/HCV inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 70.0,
"rationale": "Exterior photo shows generally intact structure and a reportedly new roof (2022) which reduces major capital risk. Observable deferred maintenance is mainly cosmetic: peeling paint on gable, worn awning, overgrown shrubs obscuring windows, and minor yard/curb repair. No visible collapsed or missing building elements. Missing interior photos: kitchen appliances and interior finishes unknown — listing states occupied tenants and rental income which suggests functional basic systems. Missing appliances would be a moderate, not catastrophic, deduction if present."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance (NSPIRE risks)",
"score": 55.0,
"rationale": "Visible peeling exterior paint on an original 1918 house is a potential lead-based paint risk (pre-1978 construction) and is an NSPIRE deficiency if deteriorated paint exists on accessible surfaces. Windows at the enclosed front porch are partially blocked by dense shrubbery which could impede egress. No visible exposed wiring or obvious structural sagging in the exterior photo. Interior life-safety items (smoke detectors, CO alarms, GFCI outlets, hot water, operable egress windows, deadbolt on entry) are not visible in the photo and therefore unverified — I reduced the score to reflect those unknowns and the visible peeling paint. Reported new roof reduces risk of water intrusion; no active leaks visible from exterior."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 60.0,
"rationale": "New roof (2022) is a strong positive for the envelope. No exterior HVAC condenser or utility installations visible in the single photo; that absence is not definitive but requires verification. Given the property is occupied (listing claims tenants and rent), basic systems (heat, water, electrical) are likely functioning, but age (1918) raises the likelihood of older electrical/plumbing components. Without interior photos or utility meter/panel views the electrical panel, water heater, and HVAC condition are unconfirmed, so score reflects likely functional systems with medium uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Front yard and walk are present and appear functional; some curb/retaining detail is broken and a piece of wood/debris at curb suggests minor clean-up. Foundation and brick skirt look intact from photo (no obvious major foundation cracks or settling). Siding has peeling paint and the metal awning appears aged. Yard slopes modestly toward street but no visible standing water. Overall site shows moderate upkeep needed but no immediate structural site failures."
}
],
"red_flags": [
"Peeling/deteriorated exterior paint on an original 1918 house — potential lead-based paint hazard and an NSPIRE deficiency if accessible.",
"Front windows partially obscured by overgrown shrubs which could impede emergency egress and should be cleared.",
"Interior life-safety items (smoke/CO detectors, GFCI outlets) not visible/verified — must be confirmed before inspection."
],
"confidence": 0.55,
"assumptions": [
"Listing statement that tenants are in place and rent is $925/mo is correct and indicates occupied unit with functioning basic services.",
"New roof installed in 2022 (per listing) is installed properly and there are no active roof leaks.",
"Interior life-safety and mechanical systems (smoke detectors, CO alarms, water heater, heating/cooling and electrical service) are present and functional but were not visible in provided photos; these require verification.",
"No visible major foundation movement or structural sagging exists beyond what is seen in the single exterior photo.",
"Exterior peeling paint is significant enough to be considered deteriorated in some locations (gable area) based on the photo."
],
"overall_score": 68.0,
"rubric_version": "2026-02-Section8-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "219 72nd St, Birmingham, AL, 35206",
"aggregate": {
"summary": "Moderate-to-good turn-key potential: the property appears structurally intact with a recently replaced roof (2022) but shows exterior cosmetic deferred maintenance (peeling paint, aged awning, overgrown shrubs). Major safety/systems items (smoke/CO detectors, GFCI, HVAC, electrical panel, interior condition, and bedroom egress) are not visible and must be verified. Likely passable with minor-to-moderate repairs and safety fixes; estimate rent-ready in ~2–4 weeks if interiors/systems are functional, longer if electrical/plumbing/lead remediation is needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.3,
"rationale": "Exterior photo shows moderate deferred maintenance only: peeling paint on siding/gable, dented/aged metal awning, overgrown shrubs blocking the front porch windows, and a broken curb/walkway element. No visible structural collapse, major water stains, or exterior wall failure. Listing reports a new roof in 2022 which reduces major near-term capital exposure. Interior condition not shown; no appliances or interior damage visible. Overall primarily cosmetic and minor repair work likely required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 63.3,
"rationale": "Front yard is maintained but slightly overgrown; foundation brick appears intact and painted. Siding shows peeling paint and trim needs repainting; the metal awning and porch trim are worn. Walkway appears mostly intact though low curb/wood debris at curb and some unevenness noted. No visible major foundation cracks, obvious drainage ponding, or infestation evidence in the photo. Trees are close to the house which can affect gutters/drainage but no active erosion is visible."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 56.7,
"rationale": "No obvious life-threatening hazards visible on exterior (no sagging roof, collapsed elements, standing water). However multiple NSPIRE items cannot be confirmed from the provided photo: smoke/CO detectors, GFCI protection, electrical panel condition, secure deadbolt, and bedroom egress are unknown. Visible peeling exterior paint on a 1918 house creates a potential lead-paint risk that must be tested/mitigated. Overgrown shrubs partially block porch windows which could impair egress/inspection access. Because many required safety items are unverified and lead risk is probable, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 58.3,
"rationale": "Listing states a new roof (2022) which is a positive for the roof system. Photo does not show an exterior HVAC condenser or water heater; electrical and plumbing systems are not visible. Given the age of the house (1918) there is elevated risk of older plumbing/electrical equipment, but there is no visible evidence of active leaks, roof failure, or external mechanical collapse. Overall systems risk is moderate due to lack of visible confirmation of HVAC, water heater, and panel condition."
}
],
"red_flags": [
"Peeling exterior paint on a home built in 1918 — potential lead-based paint hazard that must be addressed for tenancy.",
"Overgrown shrubs partially blocking porch windows — possible egress/access obstruction.",
"No visible evidence of required safety items (smoke/CO detectors, GFCI) in photos — inspection risk until verified."
],
"confidence": 0.84,
"assumptions": [
"Listing statement that a new roof was installed in 2022 is accurate and reflects a sound roof covering.",
"Interior condition, presence/condition of smoke and carbon monoxide detectors, GFCI outlets, heating/cooling equipment, water heater, and appliances are unknown and not visible in the supplied photo.",
"No active leaks, collapsed ceilings, or major foundation movement exist beyond what is visible in the exterior photo; absence of visible severe distress is taken at face value.",
"Tenancy claimed in the listing is not verifiable from the supplied snapshot metadata, so rental_history_activity is excluded from scoring.",
"Peeling exterior paint on a 1918 structure is treated as a potential lead-paint hazard requiring testing/mitigation during inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 62.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8876459987"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.