Property ID: 8932127082
6145 Court M, Birmingham, AL, 35228
Birmingham, AL
Money Down: $23,760
CoC Return: 12.31%
Monthly Cash Flow: $244
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,800
Closing Costs
$3,960
Total Down
$23,760
Investment Snapshot
Purchase Price
$99,000
Money Down
$23,760
Cash-on-Cash Return
12.31%
Rent
$1,061
Monthly Cash Flow
$244
Annual Cash Flow
$2,925
Debt Service / Mo
$527
Property Tax / Mo
$117
Insurance / Mo
$67
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,061
Payment Standard
$1,584
Rent
$1,061
Insurance
$67
Property Tax
$117
Management
$106
Utilities Allowance
$523
NOI (Monthly)
$771
Debt Service
$527
Cash Flow After Debt
$244
Quality Score: 70.00%
Confidence: 70.00%
This 3BR/1BA single-family property is moderately turnkey for Section 8 but requires several targeted fixes before it would likely pass an initial NSPIRE/HCV inspection. Major building systems appear present and generally operable (new HVAC, functioning plumbing fixtures, new water heater), and most issues are correctable in short order (smoke detectors, GFCI, appliance provision, dryer vent, water heater TPR/pan, recessed light covers). Primary inspection risks are electrical in wet locations (open can lights above tub), lack of visible smoke/carbon monoxide detectors, disconnected dryer vent, and exterior vegetation obstructing egress. With 1–3 weeks of focused repairs (electrical corrections, detectors, re-connecting venting, installing missing appliance(s), minor exterior/egress work), the property is likely to pass; allow up to 30 days if permit or contractor scheduling is required.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,061
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$99,000
Beds
3
Baths
1
Living Area
1,302 sqft
Lot Size
12,197 sqft
Year Built
1950
Days on Market
150
Capital Outlay
$23,760
Debt Service
$527
Property Tax / Mo
$117
Insurance / Mo
$67
Property Description
Income producing property! This home is currently tenant occupied & features 3 bedrooms & 1 full bathroom with fresh interior paint, new light fixures & updated plumbing. The front porch entry leads you to a bright living room with hardwoods. Large kitchen features eat in area, with ample cabinets & counterspace. There are 3 good sized bedrooms that share the full hall bathroom with a tiled tub/shower combo & tons of countertop space. Laundry room has hook ups for washer / dryer. Out back features a deck for grilling & over looks flat back yard. Long driveway for parking & a detached garage for extra storage. Seller has recenlty installed a new hvac unit.
Utility Allowances
Heating
$93
Property has Central, Electric heating. The 'Elec Heat: Ala Power' option was selected as the most applicable and comprehensive provider for Birmingham.
Cooling
$22
Property has Central Air (Electric). The 'A/C: Alabama Power' option was selected, consistent with the major electric provider for the area.
Water Heating
$56
Property details specify an 'Electric Water Heater'. The 'Elec: Ala Power' option was chosen for consistency with other electric utilities.
Cooking
$21
No cooking appliance is listed as provided. An allowance for tenant-provided electric cooking ('Elec: Ala Power') is included, consistent with other all-electric systems in the home.
Other Electric
$68
This allowance covers general electricity for lights, outlets, and a tenant-owned refrigerator. The 'Lights, Ref, Etc.: Ala Power' option was selected as the area's main provider.
Water
$78
Property details state 'Public Water'. The 'Water: Birmingham' option was selected based on the property's location.
Sewer
$151
Property details state 'Sewer: Connected'. The allowance is based on the single fixed rate provided in the schedule.
Trash Collection
$20
As a specific rate for 'Birmingham' is not available, the 'Jefferson City (Once per week)' rate was chosen as the most suitable generic option for a property in Jefferson County.
Refrigerator
$8
The property does not include a refrigerator. This fixed allowance is for a tenant-owned appliance as per the utility schedule.
Range/Microwave
$6
The property does not include a microwave. This fixed allowance is for a tenant-owned appliance as per the utility schedule.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$658
DP3 Annual Estimate$946
DP1 Monthly Equivalent$55
DP3 Monthly Equivalent$79
Replacement Value$81,500
Basis1,302 sqft / 1950
Nearby Houses
Photo unavailable
6144 Court M
for_sale · 0.05 mi
Price: $85,000
3 bd / 1 ba · 1,066 sqft
Latest sale: —
Latest rent: —
Photo unavailable
6152 Court M
sold · 0.06 mi
Price: $95,000
3 bd / 2 ba · 1,328 sqft
Latest sale: $95,000 on Jan 07, 2022
Latest rent: —
Photo unavailable
1264 Meadow Ln
sold · 0.08 mi
Price: $72,500
3 bd / 1 ba · 984 sqft
Latest sale: $72,500 on May 23, 2025
Latest rent: $1,250 on Jun 03, 2025
Photo unavailable
1321 Meadow Ln
sold · 0.08 mi
Price: $17,500
3 bd / 1 ba
Latest sale: $17,500 on Mar 29, 2016
Latest rent: —
Photo unavailable
1254 Meadow Ln
sold · 0.10 mi
Price: $72,000
3 bd / 1 ba · 1,290 sqft
Latest sale: $72,000 on Sep 19, 2022
Latest rent: —
Photo unavailable
1235 Pineview Rd
sold · 0.10 mi
Price: $113,000
4 bd / 2 ba · 1,500 sqft
Latest sale: $113,000 on Jul 31, 2023
Latest rent: —
Photo unavailable
1317 Pineview Rd
for_sale · 0.10 mi
Price: $105,000
3 bd / 1 ba · 1,115 sqft
Latest sale: $78,189 on Mar 26, 2010
Latest rent: $1,250 on Aug 22, 2024
Photo unavailable
1304 66th St W
sold · 0.11 mi
Price: $87,900
3 bd / 2 ba · 1,134 sqft
Latest sale: $87,900 on Aug 17, 2021
Latest rent: —
Photo unavailable
1227 Pineview Rd
sold · 0.11 mi
Price: $65,000
2 bd / 1 ba · 842 sqft
Latest sale: $65,000 on Apr 11, 2024
Latest rent: $750 on Oct 31, 2023
Photo unavailable
1405 Meadow Ln
sold · 0.12 mi
Price: $48,000
2 bd / 1 ba · 870 sqft
Latest sale: $48,000 on Oct 24, 2024
Latest rent: $900 on May 29, 2023
Photo unavailable
1337 Pineview Rd
sold · 0.12 mi
Price: $18,000
3 bd / 1 ba · 1,144 sqft
Latest sale: $18,000 on Jul 30, 2018
Latest rent: $800 on Aug 01, 2018
Photo unavailable
1320 66th St W
sold · 0.12 mi
Price: $55,000
3 bd / 2 ba · 1,134 sqft
Latest sale: $55,000 on Jun 18, 2021
Latest rent: —
Photo unavailable
1272 Pineview Rd
sold · 0.14 mi
Price: $60,000
2 bd / 1 ba · 816 sqft
Latest sale: $60,000 on Sep 26, 2025
Latest rent: $975 on Oct 11, 2023
Photo unavailable
6500 Avenue N
sold · 0.14 mi
Price: $50,000
3 bd / 2 ba · 1,517 sqft
Latest sale: $50,000
Latest rent: $1,015 on Apr 28, 2023
Risk and Criteria Detail
Red Flags
- success
- Open/unfinished recessed light openings above bathtub (electrical hazard near wet area).
- No visible smoke detectors outside sleeping areas / on levels (NSPIRE failure until provided).
- Dryer vent disconnected and lying on floor (venting and fire/moisture hazard).
- Water heater lacks clearly visible TPR discharge pipe and protective drain pan in photos (code/safety issue).
- Exterior wiring/cable clutter and vine growth near service connections (potential weathering/electrical access issue).
- Front walkway has cracks/uneven surfaces and large shrubs obscure windows (egress/trip hazards).
Assumptions
- HVAC is operational as seller states 'new hvac unit' and outdoor condenser is visible.
- Water heater is electric (no combustion vent) based on images; fuel piping/venting for gas appliances is not observed.
- Smoke and CO detectors are not present or not visible in listing photos; assume not installed to inspection standard until verified.
- Electrical panel condition and main service integrity are unknown (not pictured); assumed service is present and functional unless otherwise discovered.
- Bedrooms have egress-capable windows but some exterior shrubs may restrict emergency exit from the outside; assume windows operate but will require trimming of vegetation.
- Appliances (stove, refrigerator) are not visible in photos—assume at least the stove is missing or not guaranteed and will need to be provided by owner/landlord for Section 8 tenancy unless confirmed.
- No active roof leaks or major foundation movement are present based on exterior/interior photos (no water stains, sagging ceilings, or large cracks visible).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,368 | $94,400 | $18,880 |
| 2023 | $1,509 | $104,100 | $20,820 |
| 2008 | $467 | $76,800 | $7,680 |
| 2007 | $437 | $72,500 | $7,250 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-07-20 | Sold | $95,000 |
| 2022-06-30 | Sold | $49,500 |
| 2001-01-08 | Sold | $60,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-09-05 | Listed for rent | $1,250 | — |
Photo Gallery
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"parent_category": "Interior"
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"parent_category": "Interior"
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"Number of Fireplaces: 0",
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"category": "Heating and Cooling",
"parent_category": "Interior"
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"Window Features: Some to Remain"
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"category": "Interior Features",
"parent_category": "Interior"
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{
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"Lot Size Acres: 0.28",
"Lot Size Square Feet: 12197"
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"category": "Land Info",
"parent_category": "Exterior"
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"category": "Garage and Parking",
"parent_category": "Exterior"
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"category": "Exterior and Lot Features",
"parent_category": "Exterior"
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"High School: JACKSON-OLIN",
"Middle School: GREEN ACRES"
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"category": "School Information",
"parent_category": "Community"
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{
"text": [
"Source Listing Status: Contingent",
"County: Jefferson",
"Directions: From downtown, take I-65 S. Exit onto US-31 S/AL-3 S. Turn right on Forestdale Blvd Left on Cherry Ave. Right on Grand Blvd. Right on Court M. Home on left.",
"Source Property Type: RESIDENTIAL",
"Area: Ensley, Fairfield, Midfield, West End",
"Source Neighborhood: GREEN ACRES",
"Parcel Number: 29-00-18-2-008-019.000",
"Subdivision: GREEN ACRES",
"Property Subtype: Single Family"
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"category": "Other Property Info",
"parent_category": "Listing"
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"Year Built: 1950",
"Attic: Pull-Down",
"Construction Materials: Siding-Other",
"Foundation Details: Crawl Space",
"Levels: 1-Story",
"Living Area Source: Per Tax Report",
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{
"note": "Property has Central, Electric heating. The 'Elec Heat: Ala Power' option was selected as the most applicable and comprehensive provider for Birmingham.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has Central Air (Electric). The 'A/C: Alabama Power' option was selected, consistent with the major electric provider for the area.",
"utility": "Cooling",
"allowance": 22
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{
"note": "Property details specify an 'Electric Water Heater'. The 'Elec: Ala Power' option was chosen for consistency with other electric utilities.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "No cooking appliance is listed as provided. An allowance for tenant-provided electric cooking ('Elec: Ala Power') is included, consistent with other all-electric systems in the home.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "This allowance covers general electricity for lights, outlets, and a tenant-owned refrigerator. The 'Lights, Ref, Etc.: Ala Power' option was selected as the area's main provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property details state 'Public Water'. The 'Water: Birmingham' option was selected based on the property's location.",
"utility": "Water",
"allowance": 78
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{
"note": "Property details state 'Sewer: Connected'. The allowance is based on the single fixed rate provided in the schedule.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "As a specific rate for 'Birmingham' is not available, the 'Jefferson City (Once per week)' rate was chosen as the most suitable generic option for a property in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
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{
"note": "The property does not include a refrigerator. This fixed allowance is for a tenant-owned appliance as per the utility schedule.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property does not include a microwave. This fixed allowance is for a tenant-owned appliance as per the utility schedule.",
"utility": "Range/Microwave",
"allowance": 6
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{
"summary": "This 3BR/1BA single-family property is moderately turnkey for Section 8 but requires several targeted fixes before it would likely pass an initial NSPIRE/HCV inspection. Major building systems appear present and generally operable (new HVAC, functioning plumbing fixtures, new water heater), and most issues are correctable in short order (smoke detectors, GFCI, appliance provision, dryer vent, water heater TPR/pan, recessed light covers). Primary inspection risks are electrical in wet locations (open can lights above tub), lack of visible smoke/carbon monoxide detectors, disconnected dryer vent, and exterior vegetation obstructing egress. With 1–3 weeks of focused repairs (electrical corrections, detectors, re-connecting venting, installing missing appliance(s), minor exterior/egress work), the property is likely to pass; allow up to 30 days if permit or contractor scheduling is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior shows mostly cosmetic wear: hardwoods with staining in living area, some wall paneling and dated cabinetry in the kitchen, but generally intact surfaces. Bathroom and tile work look finished though dated. Missing or unshown major appliances (no visible refrigerator or stove) — reduces readiness moderately but is an easy-to-fix item. Minor trim and paint touchups likely required. No visible collapsed ceilings or exposed subfloor."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 50.0,
"rationale": "Multiple inspection-risk items visible: no smoke detectors are visible in photos (required on each level and outside sleeping areas), bathroom ceiling shows open recessed can locations above tub (potential electrical hazard), dryer vent appears disconnected and lying on floor (venting hazard), water heater installation lacks visible safety pan/TPR discharge pipe (possible code issue), and dense exterior shrubs block windows at the front (may impede egress). GFCI protection in kitchen/bath is not visible. Entry doors have deadbolt visible at front; handrails on front steps present. Because several safety-code items are either missing or not documented, this category carries moderate risk but remediable."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, plumbing, electrical, roof, water heater)",
"score": 70.0,
"rationale": "Listing and photos indicate a recently installed HVAC condenser at rear (listing states new HVAC). Water heater appears new and electric (no venting) which simplifies compliance; hot water source likely present. Roof appears intact (metal roof visible in front photo). Electrical panel is not shown; visible outlets and switches appear in place and covered. Plumbing fixtures and bathroom sink/tub are present and look serviceable. Issues: dryer vent disconnected, no visible TPR pipe/pan for water heater, and recessed light openings in wet area above tub require correction. Overall systems look functional but need a few mechanical fixes to meet inspection standards."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Exterior siding and awnings show weathering and need cleaning/paint. Foundation appears to be concrete block with no large visible settlement/cracks in photos. Backyard is flat; deck appears intact with railings present though some decking/trim may need attention. Utility/cable wiring at rear has multiple loose cables and vine growth that should be tidied. Walkway to front has cracks and uneven areas (trip hazard). Landscaping (large shrubs) obstructs windows/egress and should be trimmed. No visible standing water or obvious infestation."
},
{
"key": "rental_history_activity",
"label": "Rental history within last 5 years (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Open/unfinished recessed light openings above bathtub (electrical hazard near wet area).",
"No visible smoke detectors outside sleeping areas / on levels (NSPIRE failure until provided).",
"Dryer vent disconnected and lying on floor (venting and fire/moisture hazard).",
"Water heater lacks clearly visible TPR discharge pipe and protective drain pan in photos (code/safety issue).",
"Exterior wiring/cable clutter and vine growth near service connections (potential weathering/electrical access issue).",
"Front walkway has cracks/uneven surfaces and large shrubs obscure windows (egress/trip hazards)."
],
"confidence": 0.7,
"assumptions": [
"HVAC is operational as seller states 'new hvac unit' and outdoor condenser is visible.",
"Water heater is electric (no combustion vent) based on images; fuel piping/venting for gas appliances is not observed.",
"Smoke and CO detectors are not present or not visible in listing photos; assume not installed to inspection standard until verified.",
"Electrical panel condition and main service integrity are unknown (not pictured); assumed service is present and functional unless otherwise discovered.",
"Bedrooms have egress-capable windows but some exterior shrubs may restrict emergency exit from the outside; assume windows operate but will require trimming of vegetation.",
"Appliances (stove, refrigerator) are not visible in photos—assume at least the stove is missing or not guaranteed and will need to be provided by owner/landlord for Section 8 tenancy unless confirmed.",
"No active roof leaks or major foundation movement are present based on exterior/interior photos (no water stains, sagging ceilings, or large cracks visible)."
],
"overall_score": 66.0,
"rubric_version": "1.0"
},
{
"summary": "Photo-based assessment: This 3BR/1BA single-family appears generally habitable and likely able to pass an initial HCV/HUD NSPIRE inspection after addressing a handful of modest items. Strengths: new HVAC (listing/photo), new water heater, updated plumbing and fresh interior paint. Primary actionable items before an inspector arrives: install/verify required smoke and CO alarms, verify and install GFCI protection where required (kitchen/bath), clear shrubbery from windows for egress, repair the small ceiling/laundry access hole and secure the dryer vent connection, and have a licensed electrician assess and tidy exterior low/tangled utility wiring. With those fixes (and confirming presence/operation of alarms and GFCI) the property is likely rent-ready within 1–3 weeks. If the electrical wiring at the rear or an unseen panel issue requires remediation, timeline and cost could increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows recent paint and generally serviceable finishes but visible deferred cosmetic items: hardwoods with staining/wear in living areas, some ceiling tile/patches, older kitchen cabinet surfaces, and worn window blinds. Laundry room shows unfinished details (dryer vent on floor). No collapsed ceilings or exposed subfloor observed. Missing or unseen major kitchen appliances may be present off-photo; missing appliances would be a moderate deduction but not a pass/fail safety item. Overall finish condition is livable but needs modest cosmetic work and minor fixes to be turnkey."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 60.0,
"rationale": "Several NSPIRE items not verifiably present in the photos: smoke detectors and carbon-monoxide alarms are not visible (NSPIRE requires them in sleeping areas and on each level). No clearly marked GFCI-protected receptacles visible in kitchen or bathroom. Rear exterior shows bundled/low-hanging utility/cable wires near the gable and deck area that present an electrical risk and should be addressed by an electrician. Windows appear operable and likely provide egress, but heavy shrubbery at front windows could impede egress and must be cleared. Bathroom and plumbing fixtures appear intact; no active standing water or obvious major mold observed. Because alarm devices and GFCI locations are not shown, I rate safety as moderate risk but not immediate fail in photos — these are inspection-fail items if absent on-site."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Water Heater)",
"score": 80.0,
"rationale": "Listing states a new HVAC unit installed; exterior photo shows a condenser present. Laundry shot shows a recently installed Rheem water heater with manufacturer sticker (appears new). Listing also notes updated plumbing. Electrical panel is not pictured; outlets and switches are present and most covers appear intact. No evidence of roof leaks or major plumbing damage in interior photos. Given visible new HVAC and water heater plus updated plumbing claim, systems are likely serviceable; however electrical feed/wiring near rear should be inspected and verified at the panel and for GFCI protection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior siding and awnings are aged; front metal awning has peeling paint. Porch, steps and handrail exist and appear serviceable, but walkway has cracking and uneven areas (trip hazard). Rear deck and railings are present but look weathered and should be checked for rot at treads/posts. Shrubbery is overgrown against foundation and windows (egress and pest risk) and should be trimmed. House sits on a raised block foundation visible in photos with no obvious major settlement or sagging noted."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Occupancy (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos — NSPIRE requires smoke alarms in sleeping areas and on each level; absence is an inspection fail.",
"Low/tangled exterior utility and cable wiring at rear gable and near deck — potential electrical hazard that requires licensed electrician inspection and correction.",
"Shrubbery blocking/close to windows at the front — may obstruct emergency egress and conceal entry/exit points; must be cleared.",
"Hole/unfinished area in laundry room ceiling and loose dryer vent — indicates unfinished work or prior access; needs repair and verification for leaks."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that a new HVAC unit was recently installed is accurate and the exterior condenser photo corresponds to that system.",
"Rheem water heater visible in laundry room is newly installed and operational (no active leaks observed in photos).",
"Electrical panel location and condition are not visible; assume panel exists and is intact unless on-site inspection indicates otherwise.",
"Smoke/CO alarms and GFCI outlets are not visible in photos; assume they are not present or not verifiable and must be checked/installed.",
"Kitchen major appliances (range, refrigerator) are not clearly visible in photos; treat missing/uncertain appliances as moderate, fixable items rather than immediate disqualifiers.",
"No significant hidden structural issues (sagging floors, foundation movement, major roof failure) beyond what is visible in photos; absence of severe distress in images used to infer this.",
"No evidence of severe mold or pest infestation was visible in provided photos; assume none until a walkthrough indicates otherwise."
],
"overall_score": 69.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026-02"
},
{
"summary": "This 3-bed / 1-bath single family appears in generally good condition with recent HVAC and water heater replacements and mostly cosmetic or mid-level interior repairs needed. The main risks for an initial Housing Choice Voucher (NSPIRE) inspection are verification/installation of smoke and CO detectors, confirming GFCI protection in kitchen/bath, addressing exterior overgrown shrubs that obstruct windows/egress, and minor trip hazards (walkway). With quick attention to detectors, GFCI outlets, a few outlet/fixture covers, some floor refinishing/clean-up and trimming the landscaping, this property is likely to pass an initial HCV inspection and be rent-ready within 1–4 weeks. Score includes a small positive adjustment for the documented recent rental activity.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Overall interior finishes are intact with fresh paint in many rooms, functioning light fixtures and generally clean surfaces. Hardwood floors show wear/stains in the living areas and at least one area looks discolored and would benefit from refinishing or replacement. Kitchen cabinets and paneling are dated and show wear but are serviceable; tile flooring in the kitchen and bathroom appears intact. Laundry area and utility closet are present; water heater looks recently replaced. No evidence of collapsed ceilings or exposed subfloor in photos. Missing/unknown appliances (no stove/refrigerator visible in photos) would reduce turnkey readiness moderately but are not a safety failure. Score reflects mostly cosmetic and medium-effort repairs rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible severe mold). Bedrooms have windows that appear operable for egress. Rear door has a metal security door and front entry shows a small handrail on steps. New HVAC and new water heater shown by photos/listing reduce mechanical safety risk. Missing information: no smoke / CO detectors are visible in photos (not confirmed present), GFCI presence in kitchen/bath is not visible, electrical panel not shown, and some exterior service wiring looks untidy at rear facade. Small trip hazards exist (cracked/uneven walkway). Because smoke/CO detectors and GFCI are commonly required and are not shown, there is moderate NSPIRE risk until they are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 82.0,
"rationale": "Listing and photos document a recently installed HVAC condensing unit and a modern-looking Rheem water heater in the laundry/utility room. Bathroom plumbing and a tiled tub/shower look updated; laundry hookups are present. Roof appears to be metal sheeting in front photo and shows no visible active leaks or sagging from exterior/interior images. Electrical service and panel are not pictured so full electrical condition cannot be confirmed. Given visible recent HVAC and water heater, major systems appear functional and lower risk for failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Exterior siding appears serviceable; front porch awning/metal trim shows peeling paint and cosmetic wear. Landscaping is overgrown around windows and shrubs may obstruct egress or encourage moisture/pests; trimming recommended. Rear deck is present and intact though cosmetics and railings should be checked for secure fasteners. Walkway shows cracking/uneven concrete that is a minor trip hazard. Detached garage and long driveway were listed (not fully shown) which improves rental desirability. No obvious foundation movement or major envelope failure visible in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"New HVAC unit is functional based on listing statement and exterior condensing unit photo; no internal HVAC failures observed.",
"Water heater is installed and operational (photo shows a recently installed Rheem tank) and provides hot water.",
"Smoke and carbon monoxide detectors are not visible in photos; assume they may be missing or not correctly placed until verified during inspection.",
"Electrical panel condition and main service conductor integrity are unknown (not shown); assumed service is functional but should be inspected.",
"No stove or refrigerator is visible in photos; assume appliances may be tenant‑provided or missing — this reduces turnkey readiness but is not scored as a major safety failure.",
"Windows in bedrooms meet egress size and operation based on visible operable sash; full compliance not verified and should be confirmed on site.",
"Roof has no active leaks observable from interior/exterior photos; no signs of water staining on ceilings besides a small patched area in laundry ceiling.",
"No visible evidence of severe pest infestation or unsafe structural movement in provided photos.",
"Detached garage and driveway exist per listing though only portions are shown; assume usable for parking/storage."
],
"overall_score": 80.0,
"rubric_version": "2026-02-16_nsPIRE_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6145 Court M, Birmingham, AL, 35228",
"aggregate": {
"summary": "This 3BR/1BA single-family property is moderately turnkey for Section 8 but requires several targeted fixes before it would likely pass an initial NSPIRE/HCV inspection. Major building systems appear present and generally operable (new HVAC, functioning plumbing fixtures, new water heater), and most issues are correctable in short order (smoke detectors, GFCI, appliance provision, dryer vent, water heater TPR/pan, recessed light covers). Primary inspection risks are electrical in wet locations (open can lights above tub), lack of visible smoke/carbon monoxide detectors, disconnected dryer vent, and exterior vegetation obstructing egress. With 1–3 weeks of focused repairs (electrical corrections, detectors, re-connecting venting, installing missing appliance(s), minor exterior/egress work), the property is likely to pass; allow up to 30 days if permit or contractor scheduling is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 73.3,
"rationale": "Interior shows mostly cosmetic wear: hardwoods with staining in living area, some wall paneling and dated cabinetry in the kitchen, but generally intact surfaces. Bathroom and tile work look finished though dated. Missing or unshown major appliances (no visible refrigerator or stove) — reduces readiness moderately but is an easy-to-fix item. Minor trim and paint touchups likely required. No visible collapsed ceilings or exposed subfloor."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 67.3,
"rationale": "Exterior siding and awnings show weathering and need cleaning/paint. Foundation appears to be concrete block with no large visible settlement/cracks in photos. Backyard is flat; deck appears intact with railings present though some decking/trim may need attention. Utility/cable wiring at rear has multiple loose cables and vine growth that should be tidied. Walkway to front has cracks and uneven areas (trip hazard). Landscaping (large shrubs) obstructs windows/egress and should be trimmed. No visible standing water or obvious infestation."
},
{
"key": "rental_history_activity",
"label": "Rental history within last 5 years (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 60.0,
"rationale": "Multiple inspection-risk items visible: no smoke detectors are visible in photos (required on each level and outside sleeping areas), bathroom ceiling shows open recessed can locations above tub (potential electrical hazard), dryer vent appears disconnected and lying on floor (venting hazard), water heater installation lacks visible safety pan/TPR discharge pipe (possible code issue), and dense exterior shrubs block windows at the front (may impede egress). GFCI protection in kitchen/bath is not visible. Entry doors have deadbolt visible at front; handrails on front steps present. Because several safety-code items are either missing or not documented, this category carries moderate risk but remediable."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, plumbing, electrical, roof, water heater)",
"score": 77.3,
"rationale": "Listing and photos indicate a recently installed HVAC condenser at rear (listing states new HVAC). Water heater appears new and electric (no venting) which simplifies compliance; hot water source likely present. Roof appears intact (metal roof visible in front photo). Electrical panel is not shown; visible outlets and switches appear in place and covered. Plumbing fixtures and bathroom sink/tub are present and look serviceable. Issues: dryer vent disconnected, no visible TPR pipe/pan for water heater, and recessed light openings in wet area above tub require correction. Overall systems look functional but need a few mechanical fixes to meet inspection standards."
}
],
"red_flags": [
"Open/unfinished recessed light openings above bathtub (electrical hazard near wet area).",
"No visible smoke detectors outside sleeping areas / on levels (NSPIRE failure until provided).",
"Dryer vent disconnected and lying on floor (venting and fire/moisture hazard).",
"Water heater lacks clearly visible TPR discharge pipe and protective drain pan in photos (code/safety issue).",
"Exterior wiring/cable clutter and vine growth near service connections (potential weathering/electrical access issue).",
"Front walkway has cracks/uneven surfaces and large shrubs obscure windows (egress/trip hazards)."
],
"confidence": 0.7,
"assumptions": [
"HVAC is operational as seller states 'new hvac unit' and outdoor condenser is visible.",
"Water heater is electric (no combustion vent) based on images; fuel piping/venting for gas appliances is not observed.",
"Smoke and CO detectors are not present or not visible in listing photos; assume not installed to inspection standard until verified.",
"Electrical panel condition and main service integrity are unknown (not pictured); assumed service is present and functional unless otherwise discovered.",
"Bedrooms have egress-capable windows but some exterior shrubs may restrict emergency exit from the outside; assume windows operate but will require trimming of vegetation.",
"Appliances (stove, refrigerator) are not visible in photos—assume at least the stove is missing or not guaranteed and will need to be provided by owner/landlord for Section 8 tenancy unless confirmed.",
"No active roof leaks or major foundation movement are present based on exterior/interior photos (no water stains, sagging ceilings, or large cracks visible)."
],
"score_method": "mean_of_criteria",
"overall_score": 70.0,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8932127082"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.