Property ID: 8924111388
142 E Randall Ct, Gretna, LA, 70053
Gretna, LA
Money Down: $71,976
CoC Return: 0.77%
Monthly Cash Flow: $46
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,980
Closing Costs
$11,996
Total Down
$71,976
Investment Snapshot
Purchase Price
$299,900
Money Down
$71,976
Cash-on-Cash Return
0.77%
Rent
$2,002
Monthly Cash Flow
$46
Annual Cash Flow
$553
Debt Service / Mo
$1,596
Property Tax / Mo
$92
Insurance / Mo
$68
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,002
Payment Standard
$2,328
Rent
$2,002
Insurance
$68
Property Tax
$92
Management
$200
Utilities Allowance
$326
NOI (Monthly)
$1,642
Debt Service
$1,596
Cash Flow After Debt
$46
Quality Score: 75.50%
Confidence: 91.00%
This brick ranch appears largely turnkey for a Section 8 move-in with only minor to moderate items to verify and correct. The interior and exterior are well maintained, kitchen appliances present, HVAC appears installed, and recent underground plumbing work is a positive. Primary inspection risks are the lack of visible smoke and carbon monoxide detectors, unverified GFCI protection in wet areas, and unshown electrical panel/water heater which require confirmation. Driveway cracking is a minor exterior repair. With quick verification/installation of detectors and any required GFCI/electrical fixes, the home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$326
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,900
Beds
4
Baths
2
Living Area
2,075 sqft
Lot Size
—
Year Built
1965
Days on Market
157
Capital Outlay
$71,976
Debt Service
$1,596
Property Tax / Mo
$92
Insurance / Mo
$68
Property Description
Nestled in the highly sought-after Garden Park Estates neighborhood, this well-maintained brick ranch-style home offers timeless appeal and solid craftsmanship! With 4 bedrooms and 2 bathrooms, it provides ample space for comfortable living. Neutral tones throughout create a welcoming atmosphere, making it truly move-in ready. Enjoy generous living spaces, including a formal living room and an open-concept den and kitchen area for entertaining. The kitchen features abundant counter space, catering to both everyday meals and special occasions. A charming brick fireplace adds warmth and character to the living area. Step outside to a serene patio area for relaxation or gatherings. The detached double car garage offers additional storage and parking options. A spacious driveway provides plenty of room for vehicles. The inviting front porch is a great spot to enjoy the neighborhood's ambiance. Some underground plumbing just replaced! Garden Park Estates residents enjoy easy access to local amenities, including parks, schools, and shopping centers. This home is conveniently located with quick access to major roadways, making commuting a breeze. Don't miss the opportunity to own this delightful home in one of Gretna's most desirable neighborhoods. Contact us today to schedule a viewing!
Utility Allowances
Cooking
$14
Selected 'natural_gas' as the property information explicitly states 'Gas: Natural'.
Heating
$79
Selected 'natural_gas' because the property has central heating and available natural gas service.
Other Electric
$77
This fixed allowance covers general electricity for lights, outlets, and the property's central air conditioning system.
Sewer
$54
The property information explicitly states the property is connected to 'City' sewer.
Trash Collection
$25
Trash collection is a standard municipal service for a single-family home and is assumed to be the tenant's responsibility.
Water
$50
The property information explicitly states the water source is 'Public'.
Water Heating
$27
Selected 'natural_gas' as it is available at the property and is the most common and economical option for water heating.
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$794
DP3 Annual Estimate$830
DP1 Monthly Equivalent$66
DP3 Monthly Equivalent$69
Replacement Value$23,600
Basis2,075 sqft / 1965
Nearby Houses
Photo unavailable
136 Linda Ct
for_sale · 0.11 mi
Price: $277,000
3 bd / 3 ba · 2,150 sqft
Latest sale: —
Latest rent: —
Photo unavailable
15 Tulip Dr
for_sale · 0.15 mi
Price: $199,900
3 bd / 2 ba · 1,789 sqft
Latest sale: —
Latest rent: —
Photo unavailable
162 Linda Ct
for_sale · 0.17 mi
Price: $325,000
3 bd / 3 ba · 2,426 sqft
Latest sale: — on Sep 18, 2013
Latest rent: —
Photo unavailable
4 Gretna Blvd
off_market · 0.17 mi
Price: $1,600
3 bd / 1 ba · 1,086 sqft
Latest sale: —
Latest rent: —
Photo unavailable
41 Derbes Dr
for_sale · 0.20 mi
Price: $395,000
3 bd / 2 ba · 2,887 sqft
Latest sale: —
Latest rent: —
Photo unavailable
15 Derbes Dr
for_sale · 0.20 mi
Price: $367,500
3 bd / 2 ba · 1,828 sqft
Latest sale: —
Latest rent: —
Photo unavailable
258 Willow Dr
sold · 0.20 mi
Price: $195,000
3 bd / 1 ba · 1,300 sqft
Latest sale: —
Latest rent: —
Photo unavailable
111 Willow Dr
sold · 0.21 mi
Price: $364,000
4 bd / 4 ba · 3,700 sqft
Latest sale: —
Latest rent: —
Photo unavailable
250 Willow Dr
for_sale · 0.23 mi
Price: $299,000
4 bd / 3 ba · 1,850 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1016 Aquavit St
off_market · 0.23 mi
Price: $140,000
4 bd / 2 ba · 1,211 sqft
Latest sale: —
Latest rent: —
Photo unavailable
42 Azalea Dr
sold · 0.23 mi
Price: $215,000
3 bd / 2 ba · 1,748 sqft
Latest sale: —
Latest rent: —
Photo unavailable
35 Marie Dr E
off_market · 0.28 mi
Price: $320,000
5 bd / 4 ba · 2,651 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors in provided interior photos — required for NSPIRE and HCV compliance.
- No visible carbon monoxide detector in photos (required where fuel-burning appliances or attached garages are present).
Assumptions
- Central HVAC is functional (inferred from visible ceiling vents/returns); no external HVAC unit photos were provided.
- Water heater and electrical service panel exist and are operational though not shown in photos.
- Bedrooms contain egress windows as typical for a 1965 ranch; not explicitly photographed.
- No active roof leaks or interior water intrusion exist because ceilings and walls in photos show no staining or sagging.
- Kitchen appliances shown are in working order unless flagged during the physical inspection.
- Front entry may have a deadbolt but it is not clearly visible in the photo; assume a basic secure lock is present but confirm.
- Listing statement that 'some underground plumbing just replaced' is accurate and reduces plumbing-related risk.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,070 | $78,700 | $7,870 |
| 2024 | $1,071 | $78,700 | $7,870 |
| 2023 | $1,125 | $78,700 | $7,870 |
| 2022 | $1,125 | $78,700 | $7,870 |
| 2021 | $1,069 | $78,700 | $7,870 |
| 2020 | $1,063 | $78,700 | $7,870 |
| 2019 | $1,079 | $78,700 | $7,870 |
| 2018 | $1,016 | $78,700 | $7,870 |
| 2017 | $915 | $78,700 | $7,870 |
| 2016 | $899 | $78,700 | $7,870 |
| 2015 | $907 | $78,700 | $7,870 |
| 2014 | $905 | $78,700 | $7,870 |
| 2013 | $905 | $78,700 | $7,870 |
| 2012 | $407 | $78,700 | $7,870 |
| 2011 | $381 | $78,700 | $7,870 |
| 2010 | $492 | $78,700 | $7,870 |
| 2009 | $838 | $78,700 | $7,870 |
| 2008 | $22 | — | $7,870 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-03 | Listed | $299,900 |
| 2025-10-04 | Listing removed | $0 |
| 2025-08-19 | Price Changed | $310,000 |
| 2025-06-18 | Listed | $325,000 |
| 2025-05-31 | Listing removed | $0 |
| 2025-01-27 | Listed | $335,000 |
| 2025-01-02 | Listing removed | $0 |
| 2024-11-20 | Price Changed | $335,000 |
| 2024-10-04 | Listed | $339,900 |
| 2024-09-17 | Listing removed | $0 |
| 2024-07-17 | Listed | $350,000 |
Photo Gallery
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"allowance": 77
},
{
"note": "The property information explicitly states the property is connected to 'City' sewer.",
"utility": "Sewer",
"allowance": 54
},
{
"note": "Trash collection is a standard municipal service for a single-family home and is assumed to be the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "The property information explicitly states the water source is 'Public'.",
"utility": "Water",
"allowance": 50
},
{
"note": "Selected 'natural_gas' as it is available at the property and is the most common and economical option for water heating.",
"utility": "Water Heating",
"allowance": 27
}
],
"cash_on_cash_return": 0.33,
"down_payment_amount": 59980.0,
"property_tax_annual": 1102.1,
"property_tax_monthly": 91.84,
"property_tax_increase": 0.03,
"utility_allowance_total": 326.0,
"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": 553.18,
"property_management_monthly": 200.2,
"monthly_cash_flow_after_debt": 46.1,
"cash_on_cash_return_after_debt": 0.01
},
"section8_assessment": {
"runs": [
{
"summary": "This brick ranch appears largely turnkey for a Section 8 move-in with only minor to moderate items to verify and correct. The interior and exterior are well maintained, kitchen appliances present, HVAC appears installed, and recent underground plumbing work is a positive. Primary inspection risks are the lack of visible smoke and carbon monoxide detectors, unverified GFCI protection in wet areas, and unshown electrical panel/water heater which require confirmation. Driveway cracking is a minor exterior repair. With quick verification/installation of detectors and any required GFCI/electrical fixes, the home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 85.0,
"rationale": "Property appears well maintained in photos: clean tile floors, painted walls, intact cabinetry and kitchen appliances (stove, dishwasher, microwave) present, and a tidy front porch and landscaping. No visible interior water stains, torn flooring, or collapsed finishes. Noted deferred items are limited to cosmetic/driveway wear (cracks in concrete driveway and some weathering on exterior iron porch rail). Missing or broken small items (outlet covers, cabinet hardware) are not evident. Overall requires only minor cosmetic/maintenance work to be market-ready."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 72.0,
"rationale": "No obvious life-threatening hazards seen: ceilings intact, no visible active leaks, no exposed wiring, handrails/porch rail present. Central HVAC vents visible suggesting heating/cooling present. However, photos do not show smoke detectors or carbon monoxide detectors (not visible in common areas), and bedroom egress windows are not clearly verified. GFCI protection in kitchen/bath cannot be confirmed from images. Entry door hardware shows a knob and latch but a dedicated deadbolt is not clearly visible. These unknowns lower the safety score despite otherwise acceptable visible conditions."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 75.0,
"rationale": "Roof shingles appear intact with no visible sagging or active roof damage. Central HVAC duct/vents visible in ceiling (indicates presence of forced-air system). Listing notes 'some underground plumbing just replaced,' which reduces plumbing risk. Electrical panel and water heater are not shown; no visible electrical hazards in photos. Overall systems appear serviceable but several components (panel, water heater, furnace condensing unit exterior, plumbing fixtures operation) require verification during inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and walkways",
"score": 78.0,
"rationale": "Brick exterior and siding in photos look sound; yard is maintained and landscaping trimmed. Detached double garage and a broad driveway provide adequate parking. Noted issues: driveway concrete cracking and some surface wear which could be a trip hazard if degraded further. Fencing and yard drainage not fully shown but no pooled water or erosion observed in photos. Overall exterior is in good rental-ready condition with minor repairs possible."
}
],
"red_flags": [
"No visible smoke detectors in provided interior photos — required for NSPIRE and HCV compliance.",
"No visible carbon monoxide detector in photos (required where fuel-burning appliances or attached garages are present)."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is functional (inferred from visible ceiling vents/returns); no external HVAC unit photos were provided.",
"Water heater and electrical service panel exist and are operational though not shown in photos.",
"Bedrooms contain egress windows as typical for a 1965 ranch; not explicitly photographed.",
"No active roof leaks or interior water intrusion exist because ceilings and walls in photos show no staining or sagging.",
"Kitchen appliances shown are in working order unless flagged during the physical inspection.",
"Front entry may have a deadbolt but it is not clearly visible in the photo; assume a basic secure lock is present but confirm.",
"Listing statement that 'some underground plumbing just replaced' is accurate and reduces plumbing-related risk."
],
"overall_score": 78.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely turnkey for Section 8 tenancy with mostly cosmetic and minor repair items. Interior finishes, tile flooring, kitchen appliances, and a functioning-looking HVAC register system are present. Primary inspection items to address before a voucher inspection: install/verify smoke and CO detectors in required locations, confirm GFCI at kitchen (and upgrade if absent), confirm bedroom egress windows and deadbolt on main entry, and document operation of HVAC, water heater and electrical panel. Age (1965) raises lead-paint considerations that should be disclosed/managed. With those verifications/low-cost fixes, the home is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show a well-maintained brick ranch with clean tile floors, intact drywall and trim, functioning ceiling fans and existing kitchen appliances (range, microwave, dishwasher). No visible water stains, major floor/ceiling damage, or interior finish failures. Exterior shrubs are well-kept and the detached garage appears serviceable. Observable deferred items are limited to cosmetic updates, driveway cracking, and possible minor porch railing paint/chip touch-ups. Missing items that commonly show on listings (washer/dryer, maybe newer appliances) are not present in photos but are not inspection-fail conditions. Overall condition is good and only minor capital or cosmetic work appears needed."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, major roof sag, exposed wiring, or active leaks). Bedroom egress cannot be fully confirmed from photos (bedrooms not shown). No smoke detectors or carbon monoxide detectors are visible in the interior photos; GFCI protection at kitchen sink outlets is not evident. Front entry door appears secure but a deadbolt is not clearly visible. The home was built in 1965 so there is elevated lead-paint risk—even though no peeling paint is visible in the photos. Overall, a likely passable safety profile if detectors/GFCIs are installed and egress is confirmed, but the lack of visible detectors and age-related lead risk are notable inspection items."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Central HVAC registers and ceiling return/diffuser are visible, indicating a central system is present; operational status cannot be fully verified from photos but vents and grilles look intact. Kitchen plumbing fixtures and sink appear serviceable; listing notes 'some underground plumbing just replaced,' which reduces plumbing risk. Water heater and electrical panel are not shown. Roof shingles appear intact with no visible sag or active leaks; chimney/fireplace structure looks intact. Given visible evidence and listing statement, major systems likely functional but require on-site verification (water heater, electrical panel, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick exterior and siding details look in good repair. Roof shows even shingle coverage with no visible localized failure. Yard is maintained and walkways are level in the majority of the property; however the concrete driveway has several cracks and surface deterioration that could be a trip hazard and may need repair. Detached two-car garage appears structurally intact. No evidence of standing water, obvious drainage failures, or visible infestation in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos — required for NSPIRE/HCV pass.",
"Potential lead-based paint risk due to 1965 construction (no peeling visible but age triggers required disclosures/controls).",
"Cracked/deteriorated driveway concrete presenting a potential trip hazard."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and vents shown indicate the system is installed; operational status assumed but not verified.",
"Kitchen appliances (gas range, dishwasher, microwave) visible in photos are present and functional unless tested; missing laundry appliances not considered inspection-fail.",
"No visible smoke or CO detectors in photos — assume none are present or not photographed; detectors must be installed to pass.",
"Bedrooms and bedroom windows not photographed; assume at least one standard egress window per bedroom exists but require on-site confirmation.",
"Electrical panel and water heater not visible; assumed present and serviceable based on overall property condition and listing notes, but require verification.",
"Listing statement that 'some underground plumbing just replaced' is accurate and reduces plumbing failure likelihood.",
"No visible peeling paint or mold in photos; however, house age (1965) implies potential lead-based paint hazard that must be managed per HUD rules."
],
"overall_score": 74.0,
"rubric_version": "nsPIRE-v1.0-2026-03"
},
{
"summary": "Overall this property presents as a well-maintained, mostly turn-key brick ranch with intact roofline, functioning HVAC ductwork visible, and kitchen appliances present. Primary issues for an initial HCV/NSPIRE inspection: confirmation/installation of smoke and carbon monoxide detectors, verification of electrical panel/GFCI outlets and water heater operation, and mitigation of driveway trip hazards. Most items are minor or documentation/verification tasks; property is likely to pass after routine pre‑inspection checks and small fixes (estimated rent-ready within 30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos and listing show a well-maintained brick ranch with updated-looking interior finishes (tile floors, painted walls, intact baseboards). Kitchen cabinetry and counters appear in good condition and appliances (range, dishwasher, microwave) are present. Minor deferred items: visible cracking and unevenness in the concrete driveway, some older decorative ironwork/rail that may need cosmetic attention, and typical cosmetic wear consistent with a 1965 build. Missing or broken small items (outlet covers, light fixtures) are not evident. Overall mostly cosmetic/minor repairs only."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 70.0,
"rationale": "No life‑threatening hazards are visible: ceilings intact, no visible active leaks, no obvious structural sagging, handrails/guardrail present on the front porch. Central HVAC vents visible. Safety concerns: no smoke detectors or carbon monoxide detectors are visible in the photos (not shown in listing) — smoke/CO presence must be confirmed prior to inspection. The property was built in 1965, so lead‑paint risk exists and should be disclosed/tested per HUD rules. Driveway cracking creates a potential trip hazard at the approach. Electrical panel and GFCI presence in kitchen/baths are not shown; absence would reduce score but no exposed wiring is visible. Bedroom egress not shown but typical ranch layout suggests likely adequate windows; this should be confirmed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 72.0,
"rationale": "Visible evidence of central HVAC ductwork/returns and ceiling vents suggests a functional forced‑air system. Roof shingles appear intact with no visible sagging or leak staining in interior photos. Listing notes some underground plumbing was recently replaced, which reduces plumbing risk. Appliances are present (gas range present in photos) indicating gas plumbing exists. Items not visible: water heater, electrical panel condition, age/operation of HVAC and water heater — these should be verified; absence of visible issues supports a moderately good systems score but unknowns lower it from 'excellent'."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Brick exterior appears sound, yard is maintained and vegetation is trimmed. Detached two-car garage present and driveway provides ample parking. Driveway shows cracking and surface unevenness (trip/settlement risk) and will likely require attention. Front porch and steps appear serviceable; porch roof soffit and fascia look intact. No evidence of standing water, major grading issues, or exterior infestation in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos — must be installed/verified before inspection.",
"Concrete driveway shows multiple cracks and uneven areas creating a trip hazard at approach/walkway.",
"Pre-1978 construction (1965) — potential lead-based paint risk; testing/disclosure required.",
"Water heater and electrical panel not shown in photos — location and condition unknown and must be verified prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Interior photos show ceiling vents and returns; assume central HVAC system is present and operational but age/condition not verified.",
"Appliances shown (range, dishwasher, microwave) are included and functional unless seller states otherwise.",
"No smoke or carbon monoxide detectors are visible in photos; assume detectors may be missing or not shown and will need to be confirmed/installed to meet NSPIRE.",
"Water heater, electrical panel, and GFCI outlets are not visible in provided photos; assume they exist but their condition/placement must be verified.",
"Bedrooms and windows for egress are not shown; assume typical ranch windows provide required egress but this must be confirmed.",
"Listing note 'some underground plumbing just replaced' is accurate and reduces immediate plumbing risk.",
"No visible mold, active roof leaks, collapsed ceilings, or exposed wiring were observed in the photos.",
"Because the home was built in 1965, assume potential for lead‑based paint and that required disclosures/testing apply."
],
"overall_score": 74.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "142 E Randall Ct, Gretna, LA, 70053",
"aggregate": {
"summary": "This brick ranch appears largely turnkey for a Section 8 move-in with only minor to moderate items to verify and correct. The interior and exterior are well maintained, kitchen appliances present, HVAC appears installed, and recent underground plumbing work is a positive. Primary inspection risks are the lack of visible smoke and carbon monoxide detectors, unverified GFCI protection in wet areas, and unshown electrical panel/water heater which require confirmation. Driveway cracking is a minor exterior repair. With quick verification/installation of detectors and any required GFCI/electrical fixes, the home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 80.3,
"rationale": "Property appears well maintained in photos: clean tile floors, painted walls, intact cabinetry and kitchen appliances (stove, dishwasher, microwave) present, and a tidy front porch and landscaping. No visible interior water stains, torn flooring, or collapsed finishes. Noted deferred items are limited to cosmetic/driveway wear (cracks in concrete driveway and some weathering on exterior iron porch rail). Missing or broken small items (outlet covers, cabinet hardware) are not evident. Overall requires only minor cosmetic/maintenance work to be market-ready."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and walkways",
"score": 77.7,
"rationale": "Brick exterior and siding in photos look sound; yard is maintained and landscaping trimmed. Detached double garage and a broad driveway provide adequate parking. Noted issues: driveway concrete cracking and some surface wear which could be a trip hazard if degraded further. Fencing and yard drainage not fully shown but no pooled water or erosion observed in photos. Overall exterior is in good rental-ready condition with minor repairs possible."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.7,
"rationale": "No obvious life-threatening hazards seen: ceilings intact, no visible active leaks, no exposed wiring, handrails/porch rail present. Central HVAC vents visible suggesting heating/cooling present. However, photos do not show smoke detectors or carbon monoxide detectors (not visible in common areas), and bedroom egress windows are not clearly verified. GFCI protection in kitchen/bath cannot be confirmed from images. Entry door hardware shows a knob and latch but a dedicated deadbolt is not clearly visible. These unknowns lower the safety score despite otherwise acceptable visible conditions."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 72.3,
"rationale": "Roof shingles appear intact with no visible sagging or active roof damage. Central HVAC duct/vents visible in ceiling (indicates presence of forced-air system). Listing notes 'some underground plumbing just replaced,' which reduces plumbing risk. Electrical panel and water heater are not shown; no visible electrical hazards in photos. Overall systems appear serviceable but several components (panel, water heater, furnace condensing unit exterior, plumbing fixtures operation) require verification during inspection."
}
],
"red_flags": [
"No visible smoke detectors in provided interior photos — required for NSPIRE and HCV compliance.",
"No visible carbon monoxide detector in photos (required where fuel-burning appliances or attached garages are present)."
],
"confidence": 0.91,
"assumptions": [
"Central HVAC is functional (inferred from visible ceiling vents/returns); no external HVAC unit photos were provided.",
"Water heater and electrical service panel exist and are operational though not shown in photos.",
"Bedrooms contain egress windows as typical for a 1965 ranch; not explicitly photographed.",
"No active roof leaks or interior water intrusion exist because ceilings and walls in photos show no staining or sagging.",
"Kitchen appliances shown are in working order unless flagged during the physical inspection.",
"Front entry may have a deadbolt but it is not clearly visible in the photo; assume a basic secure lock is present but confirm.",
"Listing statement that 'some underground plumbing just replaced' is accurate and reduces plumbing-related risk."
],
"score_method": "mean_of_criteria",
"overall_score": 75.5,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8924111388"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.