Property ID: 8931251225

1924 Iowa Ave, Kenner, LA, 70062

Kenner, LA

For Sale Mar 27, 2026 05:20 PM UTC Realtor Zillow Street View Rent Zestimate
Money Down: $55,200 CoC Return: 1.08% Monthly Cash Flow: $49
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$46,000
Closing Costs
$9,200
Total Down
$55,200
Primary property image

Investment Snapshot

Purchase Price
$230,000
Money Down
$55,200
Cash-on-Cash Return
1.08%
Rent
$1,696
Monthly Cash Flow
$49
Annual Cash Flow
$594
Debt Service / Mo
$1,224
Property Tax / Mo
$140
Insurance / Mo
$113

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$113
Property Tax
$140
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,274
Debt Service
$1,224
Cash Flow After Debt
$49

Quality Score: 78.50%

Confidence: 95.00%

Overall the home appears in very good cosmetic and functional condition and would likely pass an initial HCV/NSPIRE inspection after basic verification and minor items are completed. Primary checks before inspection: verify and install/test smoke and CO detectors as required, confirm GFCI protection in kitchen/bath, confirm deadbolt on primary entry, test HVAC and hot water, inspect roof near large front tree for debris/damage, and confirm electrical panel and outlet safety. With those verifications and any small fixes, this property should be rent-ready within 1–4 weeks.

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
$230,000
Beds
3
Baths
2
Living Area
1,445 sqft
Lot Size
Year Built
2006
Days on Market
209
Capital Outlay
$55,200
Debt Service
$1,224
Property Tax / Mo
$140
Insurance / Mo
$113

Property Description

Charming 3-Bedroom, 2-Bath Home in the Heart of Kenner! Welcome to this 3-bedroom, 2-bath home ideally located in the heart of Kenner. Just minutes from major highways, interstates, shopping centers, restaurants, and parks, this home offers both convenience and comfort. The kitchen features granite countertops, stainless steel appliances, and your own built in beverage cooler. Enjoy your morning coffee on the charming wooden front porch while taking in the view of the tree-shaded front lawn. The spacious backyard includes a handy storage shed, a place for all your tools, hobbies, or extra storage.

Utility Allowances

heating
$70
The property details explicitly state 'Gas: Natural' and 'Heating Features: Central', aligning with the 'natural_gas' option on the schedule for a 3-bedroom unit.
cooking
$12
Cooking fuel is not specified. As the property has natural gas for heating, it is inferred that cooking also uses natural gas. The 'natural_gas' option for a 3-bedroom unit was selected.
water_heating
$24
Water heating fuel is not specified. As the property has natural gas for heating, it is inferred that water heating also uses natural gas. The 'natural_gas' option for a 3-bedroom unit was selected.
other_electric
$67
This fixed allowance covers general electricity for lights, tenant-owned appliances, and central air conditioning, which is listed as 'Cooling Features: Central'.
water
$43
The property details state 'Water Source: Public', indicating tenant responsibility for water usage. The allowance is based on the 3-bedroom fixed rate.
sewer
$46
The property details state 'Sewer: City', indicating tenant responsibility for sewer services. The allowance is based on the 3-bedroom fixed rate.
trash_collection
$25
This is a standard municipal service for a single-family home and is assumed to be the tenant's responsibility. The allowance is based on the fixed rate for a 3-bedroom unit.

Source References

Utility Allowance Source
Effective Date: Jan 01, 2026
No utility allowance source links available.

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$1,351
DP3 Annual Estimate$1,351
DP1 Monthly Equivalent$113
DP3 Monthly Equivalent$113
Replacement Value$118,700
Basis1,445 sqft / 2006

Nearby Houses

Nearby house 1
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1913 Kansas Ave

for_sale · 0.06 mi
Price: $354,900
3 bd / 2 ba · 1,725 sqft
Latest sale: — on May 21, 2024
Latest rent: —
Nearby house 2
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1929 Kentucky Ave

off_market · 0.09 mi
Price: $228,000
3 bd / 2 ba · 1,118 sqft
Latest sale: —
Latest rent: —
Nearby house 3
Photo unavailable

2015 Kansas Ave Lot R

for_sale · 0.13 mi
Price: $79,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 4
Photo unavailable

2012 Kansas Ave

for_sale · 0.13 mi
Price: $245,000
3 bd / 2 ba · 1,070 sqft
Latest sale: —
Latest rent: —
Photo unavailable

1904 Illinois Ave

sold · 0.14 mi
Price: $189,000
3 bd / 2 ba · 1,511 sqft
Latest sale: —
Latest rent: —
Nearby house 6
Photo unavailable

1906 Kentucky Ave

for_sale · 0.15 mi
Price: $369,000
3 bd / 2 ba · 1,408 sqft
Latest sale: — on Mar 21, 2024
Latest rent: —
Nearby house 7
Photo unavailable

2317 W Metairie Ave Apt 9

off_market · 0.16 mi
Price: $950
2 bd / 1 ba · 741 sqft
Latest sale: —
Latest rent: $1,020 on Nov 15, 2025

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Photos represent the entire unit condition and are recent (listing photos are current).
  • No active leaks, mold, or major hidden damage exist beyond what is visible in photos (no water stains or mold-like discoloration were observed).
  • Smoke detectors, carbon monoxide alarms, GFCI protection, electrical panel, and water heater exist because the building was constructed in 2006, but their presence and operation are not confirmed in photos and must be verified.
  • HVAC system is central and functional (supply vents and thermostat visible) but requires run/test to confirm operation.
  • Bathrooms are reasonably maintained though not pictured (no visible evidence of severe plumbing problems).
  • Backyard storage shed exists as described in listing but was not photographed.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $1,633 $153,700 $15,370
2024 $1,639 $153,700 $15,370
2023 $1,488 $150,000 $15,000
2022 $1,461 $150,000 $15,000
2021 $1,347 $150,000 $15,000
2020 $1,335 $150,000 $15,000
2019 $1,362 $150,000 $15,000
2018 $1,241 $150,000 $15,000
2017 $1,241 $150,000 $15,000
2016 $1,241 $150,000 $15,000
2015 $1,261 $150,000 $15,000
2014 $745 $89,000 $8,900
2013 $745 $89,000 $8,900
2012 $117 $89,000 $8,900
2011 $110 $88,000 $8,800
2010 $567 $88,000 $8,800
2009 $726 $88,000 $8,800
2008 $82 $8,800

Sale History

DateEventPrice
2014-06-27 Sold

Photo Gallery

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                      "County: Jefferson",
                      "Directions: From West Metairie turn right on Kansas to right on 20th to right on Kentucky, on the left",
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                      "Year Built: 1952",
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                      "Levels or Stories: 2.00000",
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                      "Total Area Sqft: 1823",
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              "list_price": 169000,
              "listing_id": "575625483",
              "last_update_date": "2014-06-30T22:03:23Z",
              "last_status_change_date": "2014-06-27T07:00:00Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 107.79661016949153,
            "source_name": "NewOrleans",
            "price_change": -10000,
            "days_after_listed": null,
            "source_listing_id": "970325",
            "price_change_percentage": null
          },
          {
            "date": "2014-01-27",
            "price": 169000,
            "listing": {
              "status": "off_market",
              "list_date": "2013-10-28T07:00:00Z",
              "list_price": 169000,
              "listing_id": "575625483",
              "last_update_date": "2014-06-30T22:03:23Z",
              "last_status_change_date": "2014-06-27T07:00:00Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 114.57627118644068,
            "source_name": "NewOrleans",
            "price_change": -10000,
            "days_after_listed": null,
            "source_listing_id": "970325",
            "price_change_percentage": null
          },
          {
            "date": "2013-10-28",
            "price": 179000,
            "listing": {
              "status": "off_market",
              "list_date": "2013-10-28T07:00:00Z",
              "list_price": 169000,
              "listing_id": "575625483",
              "last_update_date": "2014-06-30T22:03:23Z",
              "last_status_change_date": "2014-06-27T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": 121.35593220338983,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "970325",
            "price_change_percentage": null
          },
          {
            "date": "2006-04-27",
            "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": "8931251225",
  "generated_at": "2026-03-27T17:20:30.094113Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 10.0,
    "overall_score": 78.5
  },
  "utility_allowance": {
    "zip_code": "70062",
    "home_photo": "https://ap.rdcpix.com/49c357f90d77215a1214302a337e8ed0l-m1775060520s-w1280.jpg",
    "rent_price": 1696.0,
    "loan_amount": 184000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/1924-Iowa-Ave_Kenner_LA_70062_M89312-51225",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 230000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 15283.81,
    "mortgage_monthly": 1224.16,
    "payment_standard": 1983.0,
    "total_amount_out": 46000.0,
    "additional_photos": [
      "https://ap.rdcpix.com/49c357f90d77215a1214302a337e8ed0l-m616261507s-w1280.jpg",
      "https://ap.rdcpix.com/49c357f90d77215a1214302a337e8ed0l-m3261236519s-w1280.jpg",
      "https://ap.rdcpix.com/49c357f90d77215a1214302a337e8ed0l-m1041300917s-w1280.jpg",
      "https://ap.rdcpix.com/49c357f90d77215a1214302a337e8ed0l-m935584968s-w1280.jpg",
      "https://ap.rdcpix.com/49c357f90d77215a1214302a337e8ed0l-m1435743981s-w1280.jpg",
      "https://ap.rdcpix.com/49c357f90d77215a1214302a337e8ed0l-m3551444541s-w1280.jpg",
      "https://ap.rdcpix.com/49c357f90d77215a1214302a337e8ed0l-m3600518119s-w1280.jpg",
      "https://ap.rdcpix.com/49c357f90d77215a1214302a337e8ed0l-m1192003341s-w1280.jpg",
      "https://ap.rdcpix.com/49c357f90d77215a1214302a337e8ed0l-m4017441544s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 112.58,
    "monthly_cash_flow": 1273.65,
    "property_tax_rate": null,
    "_utility_allowance": {
      "sources": [],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "The property details explicitly state 'Gas: Natural' and 'Heating Features: Central', aligning with the 'natural_gas' option on the schedule for a 3-bedroom unit.",
        "utility": "heating",
        "allowance": 70
      },
      {
        "note": "Cooking fuel is not specified. As the property has natural gas for heating, it is inferred that cooking also uses natural gas. The 'natural_gas' option for a 3-bedroom unit was selected.",
        "utility": "cooking",
        "allowance": 12
      },
      {
        "note": "Water heating fuel is not specified. As the property has natural gas for heating, it is inferred that water heating also uses natural gas. The 'natural_gas' option for a 3-bedroom unit was selected.",
        "utility": "water_heating",
        "allowance": 24
      },
      {
        "note": "This fixed allowance covers general electricity for lights, tenant-owned appliances, and central air conditioning, which is listed as 'Cooling Features: Central'.",
        "utility": "other_electric",
        "allowance": 67
      },
      {
        "note": "The property details state 'Water Source: Public', indicating tenant responsibility for water usage. The allowance is based on the 3-bedroom fixed rate.",
        "utility": "water",
        "allowance": 43
      },
      {
        "note": "The property details state 'Sewer: City', indicating tenant responsibility for sewer services. The allowance is based on the 3-bedroom fixed rate.",
        "utility": "sewer",
        "allowance": 46
      },
      {
        "note": "This is a standard municipal service for a single-family home and is assumed to be the tenant's responsibility. The allowance is based on the fixed rate for a 3-bedroom unit.",
        "utility": "trash_collection",
        "allowance": 25
      }
    ],
    "cash_on_cash_return": 0.33,
    "down_payment_amount": 46000.0,
    "property_tax_annual": 1681.99,
    "property_tax_monthly": 140.17,
    "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": 593.93,
    "property_management_monthly": 169.6,
    "monthly_cash_flow_after_debt": 49.49,
    "cash_on_cash_return_after_debt": 0.01
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall the home appears in very good cosmetic and functional condition and would likely pass an initial HCV/NSPIRE inspection after basic verification and minor items are completed. Primary checks before inspection: verify and install/test smoke and CO detectors as required, confirm GFCI protection in kitchen/bath, confirm deadbolt on primary entry, test HVAC and hot water, inspect roof near large front tree for debris/damage, and confirm electrical panel and outlet safety. With those verifications and any small fixes, this property should be rent-ready within 1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 85.0,
            "rationale": "Interior and exterior photos show well-maintained finishes: intact painted walls, hardwood/laminate flooring in good condition, cabinetry and countertops in good shape, and stainless appliances (fridge, dishwasher, built-in ovens, cooktop and beverage cooler) present. Porch and driveway are intact. No visible cosmetic deferred maintenance beyond normal wear. Missing or damaged items are minimal and would be easy cosmetic/capital fixes."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 75.0,
            "rationale": "No visible exposed wiring, collapsed ceilings, active water intrusion, major trip hazards, or missing guardrails on the visible porch. Bedrooms show windows that appear usable for egress. HVAC vents and a thermostat are visible. However smoke detectors and carbon monoxide alarms are not visible in photos (cannot verify location/operation), GFCI outlet presence in kitchen/baths not shown, and deadbolt on entry door is not clearly visible. Because the house is newer (2006) and otherwise well-kept, these are likely present but need verification and testing."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems / Mechanical Condition",
            "score": 72.0,
            "rationale": "Visible evidence of central HVAC (supply vents, thermostat) and modern kitchen appliances suggests mechanical systems are present. No water heater, electrical panel, or HVAC equipment visible to confirm age/operation. Roof appears intact from street photos with no obvious sagging or active leaks, but discoloration/shading visible on roof surface warrants routine inspection. Plumbing fixtures not shown; washer/dryer present. Systems likely functional but require on-site testing (HVAC run, hot water, electrical panel labeling, water heater inspection)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 80.0,
            "rationale": "Front yard, driveway, and porch appear serviceable; porch has railing. Siding/paint appears in good condition. A large mature tree close to the house is visible — healthy-looking but proximity could risk roots/roof debris and should be evaluated. Listing mentions a backyard storage shed (not photographed). No visible standing water, major grading issues, foundation cracks, or infestation signs in provided photos."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Photos represent the entire unit condition and are recent (listing photos are current).",
          "No active leaks, mold, or major hidden damage exist beyond what is visible in photos (no water stains or mold-like discoloration were observed).",
          "Smoke detectors, carbon monoxide alarms, GFCI protection, electrical panel, and water heater exist because the building was constructed in 2006, but their presence and operation are not confirmed in photos and must be verified.",
          "HVAC system is central and functional (supply vents and thermostat visible) but requires run/test to confirm operation.",
          "Bathrooms are reasonably maintained though not pictured (no visible evidence of severe plumbing problems).",
          "Backyard storage shed exists as described in listing but was not photographed."
        ],
        "overall_score": 78.0,
        "rubric_version": "2026-03-NSPIRE-v1"
      },
      {
        "summary": "This 3BR/2BA single-family home appears largely turn-key for a Section 8 Housing Choice Voucher inspection: clean interiors, intact finishes, functioning kitchen appliances and laundry present, central HVAC vents visible, and no visible water damage or structural distress. Primary inspection risks are missing documentation/visibility of life-safety devices (smoke and CO alarms), GFCI protection, electrical panel and proof of hot water, and unknown roof/major-mechanical ages. With verification/installation of detectors, confirming HVAC and water heater operation, and a quick check of GFCI outlets and door locks, the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and deferred maintenance",
            "score": 85.0,
            "rationale": "Interior photos show clean, updated finishes: hardwood/laminate floors in good condition, freshly painted walls, intact drywall, recessed lighting, ceiling fans, and modern kitchen cabinets and counters. Stainless appliances (fridge, dishwasher, wall ovens, cooktop) and laundry machines are present in photos. No visible water stains, peeling paint, or obvious floor damage. Minor expected touch-ups (scuff marks on cabinets/trim, cleaning) but no major cosmetic defects. Missing or worn items are easy cosmetic fixes and do not indicate major deferred maintenance."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 75.0,
            "rationale": "No visible exposed wiring, collapsed ceilings, active water intrusion, or trip hazards in the photos. Interior doors and windows appear intact and bedrooms show windows for egress. Porch has railing. However, no smoke detectors or carbon monoxide alarms are visible in the provided images (not photographed, unknown installed locations). GFCI outlets in kitchen/bath are not visible in photos. Entry door deadbolt presence not shown. Gas cooktop is present — connection appears built-in but condition/venting not verified. Based on visible condition I judge safety risk as moderate because several required safety items are not documented in photos and would need verification/installation."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
            "score": 70.0,
            "rationale": "Ceiling HVAC vents and a thermostat are visible, indicating central HVAC exists; condition appears serviceable but equipment age/operation not verified. Electrical panel, water heater and main plumbing risers are not shown. Kitchen appliances appear modern and functional. Roof is visible from front photo and appears intact with no obvious sag or active leaks, but shingles look weathered and age is unknown. No visible signs of drainage or foundation failure. Systems appear present and likely functional but lack of direct evidence (panel, water heater, inspection of HVAC operation) reduces score."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 80.0,
            "rationale": "Front elevation shows an intact siding/painted exterior, a solid-looking front porch with railings, and a concrete driveway in good condition. Yard is maintained though tree is very close to the foundation which can present root/roof debris risk long-term. No visible standing water, severe foundation cracks or exterior structural damage in provided image. Listing notes a backyard storage shed (not pictured) which is a positive amenity."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "All bedrooms have adequate egress windows meeting size/operability requirements (windows are visible in some bedroom and living area photos).",
          "Central HVAC is operational (vents and thermostat present) though no start-up or service records were provided.",
          "There is a functioning water heater and hot water at fixtures though the unit is not pictured.",
          "Electrical service and panel are intact and to code (not shown in photos) with no exposed wiring behind walls.",
          "Smoke detectors and carbon monoxide alarms are not visible in photos and should be assumed missing until verified; likely simple installs if not present.",
          "GFCI protection in kitchen/bathrooms is not visible and should be verified/installed if missing.",
          "Porch railing is considered adequate from photos; steps/handrail at porch entry are small and functional though close-up not provided.",
          "No evidence of active pest infestation, severe mold, or structural settlement was observed in photos; absence of such evidence in photos does not guarantee they are not present."
        ],
        "overall_score": 78.0,
        "rubric_version": "nsPIRE-2026-v1"
      },
      {
        "summary": "Overall the property appears close to turnkey for a Housing Choice Voucher/NSPIRE initial inspection. Interior finishes, appliances and major visible systems look well-maintained; central HVAC and modern kitchen/laundry reduce risk. Primary inspection risks are lack of visible smoke/CO detection and missing confirmation of GFCI protection and electrical panel condition. Exterior is generally sound but a large tree overhang close to the roof is a maintenance/roof risk. With installation/verification of required detectors, confirmation of GFCI & panel condition and a brief systems check (water heater, HVAC operation), the home would likely pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 85.0,
            "rationale": "Interior finishes appear well-maintained: hardwood floors in good condition, painted walls, intact ceilings, modern cabinetry and countertops. Kitchen has stainless appliances (refrigerator, dishwasher, double wall ovens, cooktop) and built-in beverage cooler shown — missing-appliance risk is low. Laundry machines present. No visible major cosmetic damage, peeling paint, or exposed subfloor. Minor wear expected from occupancy but no deferred-maintenance signs in photos."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 72.0,
            "rationale": "No visible exposed wiring, no visible water stains or mold, bedroom windows present (egress likely but not measured), vents and returns present indicating central HVAC. However smoke alarms and carbon monoxide detectors are not visible in the photos (NSPIRE requires functioning smoke alarms in required locations and CO alarms where fuel-burning appliances or attached garages exist) — this is the largest unknown/failure risk. GFCI outlet locations not shown and deadbolt presence cannot be confirmed from images. No obvious trip hazards, loose guardrails, or major safety defects observed."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC/Electrical/Plumbing/Roof)",
            "score": 80.0,
            "rationale": "Central HVAC registers visible in ceilings, suggesting a forced-air system is present. Kitchen appliances and washer/dryer appear modern and in-place. No visible plumbing leaks, sinks and dishwasher shown. Roof appears aged but intact in photos with no visible sagging or active leaks; water heater, electrical panel and age/condition of major mechanicals not shown (assumed functional based on overall finish level)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 78.0,
            "rationale": "Driveway and front porch are in good visible condition; porch has railings and steps. Siding and exterior paint appear intact. Large mature tree sits very close to the house/roofline which is a potential maintenance risk (limb damage, clogged gutters, root issues). Yard and storage shed referenced in listing (shed photo not provided) appear serviceable. No visible foundation cracks or standing water in provided photos."
          }
        ],
        "red_flags": [
          "No visible smoke and carbon monoxide detectors in photos — NSPIRE-required detectors must be present and functioning.",
          "Large mature tree overhanging/very close to roof — elevated risk of limb damage, clogged gutters, or roof damage."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Smoke detectors and carbon monoxide alarms are not visible in photos — assume they are not confirmed and need verification or installation.",
          "Central HVAC is present and operable (ceiling vents visible), but no service or age documentation was provided.",
          "Water heater and electrical panel are present but not photographed; assume serviceable unless inspection finds otherwise.",
          "Bedroom windows provide adequate egress (size not measured); assume compliance given 2006 construction unless otherwise noted.",
          "No evidence of active roof leaks or foundation movement was visible in photos; assume none but recommend on-site verification.",
          "Listing references a storage shed in backyard; shed condition assumed serviceable though no photo was provided."
        ],
        "overall_score": 79.0,
        "rubric_version": "1.0"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "1924 Iowa Ave, Kenner, LA, 70062",
    "aggregate": {
      "summary": "Overall the home appears in very good cosmetic and functional condition and would likely pass an initial HCV/NSPIRE inspection after basic verification and minor items are completed. Primary checks before inspection: verify and install/test smoke and CO detectors as required, confirm GFCI protection in kitchen/bath, confirm deadbolt on primary entry, test HVAC and hot water, inspect roof near large front tree for debris/damage, and confirm electrical panel and outlet safety. With those verifications and any small fixes, this property should be rent-ready within 1–4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 85.0,
          "rationale": "Interior and exterior photos show well-maintained finishes: intact painted walls, hardwood/laminate flooring in good condition, cabinetry and countertops in good shape, and stainless appliances (fridge, dishwasher, built-in ovens, cooktop and beverage cooler) present. Porch and driveway are intact. No visible cosmetic deferred maintenance beyond normal wear. Missing or damaged items are minimal and would be easy cosmetic/capital fixes."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 79.3,
          "rationale": "Front yard, driveway, and porch appear serviceable; porch has railing. Siding/paint appears in good condition. A large mature tree close to the house is visible — healthy-looking but proximity could risk roots/roof debris and should be evaluated. Listing mentions a backyard storage shed (not photographed). No visible standing water, major grading issues, foundation cracks, or infestation signs in provided photos."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Compliance Risk",
          "score": 74.0,
          "rationale": "No visible exposed wiring, collapsed ceilings, active water intrusion, major trip hazards, or missing guardrails on the visible porch. Bedrooms show windows that appear usable for egress. HVAC vents and a thermostat are visible. However smoke detectors and carbon monoxide alarms are not visible in photos (cannot verify location/operation), GFCI outlet presence in kitchen/baths not shown, and deadbolt on entry door is not clearly visible. Because the house is newer (2006) and otherwise well-kept, these are likely present but need verification and testing."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems / Mechanical Condition",
          "score": 74.0,
          "rationale": "Visible evidence of central HVAC (supply vents, thermostat) and modern kitchen appliances suggests mechanical systems are present. No water heater, electrical panel, or HVAC equipment visible to confirm age/operation. Roof appears intact from street photos with no obvious sagging or active leaks, but discoloration/shading visible on roof surface warrants routine inspection. Plumbing fixtures not shown; washer/dryer present. Systems likely functional but require on-site testing (HVAC run, hot water, electrical panel labeling, water heater inspection)."
        }
      ],
      "red_flags": [],
      "confidence": 0.95,
      "assumptions": [
        "Photos represent the entire unit condition and are recent (listing photos are current).",
        "No active leaks, mold, or major hidden damage exist beyond what is visible in photos (no water stains or mold-like discoloration were observed).",
        "Smoke detectors, carbon monoxide alarms, GFCI protection, electrical panel, and water heater exist because the building was constructed in 2006, but their presence and operation are not confirmed in photos and must be verified.",
        "HVAC system is central and functional (supply vents and thermostat visible) but requires run/test to confirm operation.",
        "Bathrooms are reasonably maintained though not pictured (no visible evidence of severe plumbing problems).",
        "Backyard storage shed exists as described in listing but was not photographed."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 78.5,
      "rubric_version": "2026-03-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8931251225"
  }
}

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