Property ID: 8936088644
1540 42nd Street Ensley, Birmingham, AL, 35208
Birmingham, AL
Money Down: $21,600
CoC Return: 5.67%
Monthly Cash Flow: $102
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$18,000
Closing Costs
$3,600
Total Down
$21,600
Investment Snapshot
Purchase Price
$90,000
Money Down
$21,600
Cash-on-Cash Return
5.67%
Rent
$736
Monthly Cash Flow
$102
Annual Cash Flow
$1,224
Debt Service / Mo
$479
Property Tax / Mo
$42
Insurance / Mo
$39
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$736
Payment Standard
$1,177
Rent
$736
Insurance
$39
Property Tax
$42
Management
$74
Utilities Allowance
$441
NOI (Monthly)
$581
Debt Service
$479
Cash Flow After Debt
$102
Quality Score: 75.20%
Confidence: 95.00%
Overall the house appears to be in good, recently renovated condition and is likely to pass an initial HCV/NSPIRE inspection after a short checklist of safety items is addressed. Main inspection risks are missing/unknown smoke and CO detectors (CO required because gas service is present), verification of GFCI outlets and electrical panel condition, and clearing yard debris/large stump that present trip hazards. Appliances (stove) are not shown and should be provided or documented. With detectors installed, a quick systems check (water heater, HVAC operation, outlet GFCI) and minor site cleanup, the property should be rent-ready within 2–4 weeks.
Section 8 Payment Standard
$1,177
Utility Allowance Total
$441
Guaranteed Section 8 Rent (PS - Utilities)
$736
Property Management
$74
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$90,000
Beds
2
Baths
1
Living Area
768 sqft
Lot Size
6,970 sqft
Year Built
1940
Days on Market
94
Capital Outlay
$21,600
Debt Service
$479
Property Tax / Mo
$42
Insurance / Mo
$39
Property Description
Recently updated 2-bedroom, 1-bath home. Home features new interior finishes, updated flooring, fresh paint, and an improved kitchen and bathroom. Bright living area and two well-sized bedrooms. Property includes a spacious yard with room for outdoor use. Convenient access to major roadways, downtown Birmingham, and nearby amenities. Move-in ready and suitable for owner-occupied or investment purposes.
Utility Allowances
Heating
$76
Property has 'Central (HEAT)'. Electric is assumed as the water heater and dryer are both electric. 'Ala Power' is selected as the most likely provider for Birmingham.
Cooling
$18
Property has 'Central (COOL)', which is electric. 'Alabama Power' is selected as the primary provider for the area.
Water Heating
$46
Property details explicitly state 'Water Heaters: Electric (WTRHTR)'. 'Ala Power' is the corresponding electricity provider.
Cooking
$17
Cooking fuel is not specified. Electric is assumed based on the presence of an electric water heater and electric dryer hookup. 'Ala Power' is selected as the provider.
Other Electric
$56
This covers general electricity for lights, outlets, and fans. 'Ala Power' is selected as the primary provider for Birmingham.
Water
$69
Property details list 'Public Water' and the property is located within Birmingham city limits.
Sewer
$125
Property details state the sewer is 'Connected'. The allowance is based on the fixed rate for a 2-bedroom unit from the schedule.
Trash Collection
$20
Inferred as the most appropriate option since the property is in Jefferson County and 'Birmingham' is not an explicit choice on the schedule.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so this allowance is for a tenant-owned unit.
Range / Microwave
$6
A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned unit.
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$356
DP3 Annual Estimate$588
DP1 Monthly Equivalent$30
DP3 Monthly Equivalent$49
Replacement Value$24,600
Basis768 sqft / 1940
Nearby Houses
Photo unavailable
1536 42nd Street Ensley S
sold · 0.01 mi
Price: $140,000
3 bd / 2 ba · 1,822 sqft
Latest sale: $140,000
Latest rent: —
Photo unavailable
1545 41st Street Ensley
sold · 0.03 mi
Price: $120,000
3 bd / 2 ba · 20,000 sqft
Latest sale: $120,000
Latest rent: —
Photo unavailable
1533 41st Street Ensley
sold · 0.04 mi
Price: $74,900
3 bd / 1 ba · 1,673 sqft
Latest sale: $74,900
Latest rent: —
Photo unavailable
1545 42nd Street Ensley
sold · 0.04 mi
Price: $105,000
5 bd / 2 ba · 1,724 sqft
Latest sale: $105,000
Latest rent: —
Photo unavailable
1527 42nd Street Ensley
for_sale · 0.05 mi
Price: $81,000
3 bd / 1 ba · 1,480 sqft
Latest sale: $2,500,567,000
Latest rent: —
Photo unavailable
1608 42nd Street Ensley W
sold · 0.06 mi
Price: $170,000
3 bd / 2 ba · 1,407 sqft
Latest sale: $170,000
Latest rent: —
Photo unavailable
1532 41st Street Ensley
sold · 0.07 mi
Price: $40,750
3 bd / 2 ba · 1,379 sqft
Latest sale: $40,750
Latest rent: —
Photo unavailable
1530 41st Street Ensley
sold · 0.07 mi
Price: $129,900
4 bd / 2 ba · 1,632 sqft
Latest sale: $129,900 on Dec 13, 2024
Latest rent: —
Photo unavailable
1545 Warrior Rd
sold · 0.10 mi
Price: $20,000
3 bd / 1 ba
Latest sale: $20,000 on May 27, 2016
Latest rent: —
Photo unavailable
1508 43rd Street Ensley
sold · 0.10 mi
Price: $98,000
5 bd / 2 ba · 2,148 sqft
Latest sale: $98,000
Latest rent: —
Photo unavailable
1617 Warrior Rd
sold · 0.12 mi
Price: $118,000
3 bd / 1 ba · 1,148 sqft
Latest sale: $118,000 on Jun 20, 2023
Latest rent: $1,300 on Aug 29, 2025
Risk and Criteria Detail
Red Flags
- success
- No smoke detectors visible in interior photos (potential automatic NSPIRE fail if not installed).
- No carbon monoxide detector visible while gas meter is present at foundation (CO alarm required).
- Large cut tree trunk/stump and yard debris at rear present trip/hazard and may impede safe egress and yard use until cleared.
- No electrical panel or GFCI outlets confirmed in photos (electrical safety items must be verified).
- Kitchen stove/range not visible in photos (appliance absence is a move-in readiness issue to resolve).
Assumptions
- Interior photos show finished rooms after renovation; assume basic cosmetic repairs complete and surfaces in good repair.
- Central HVAC exists and is operational based on visible floor/bedroom registers (system equipment not photographed).
- Water heater and electrical panel are present and functional though not visible in photos.
- Smoke and carbon monoxide alarms were not visible in listing photos and should be verified/installed; assume seller may not have installed them yet.
- Kitchen stove/range is not shown and may be missing; assume seller/landlord will provide or tenant-supplied appliance is possible.
- No active roof leaks or structural sagging inferred from good shingle appearance and straight roofline; interior ceilings do not show visible collapse or stains in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $490 | $33,800 | $6,760 |
| 2012 | $671 | $47,150 | $9,430 |
| 2011 | $680 | $47,900 | $9,580 |
| 2010 | $764 | $53,900 | $10,780 |
| 2009 | $700 | $49,300 | $9,860 |
| 2008 | $714 | $50,300 | $10,060 |
| 2007 | $707 | $49,800 | $9,960 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-06 | Price Changed | $90,000 |
| 2025-11-14 | Listed | $110,000 |
| 2006-07-25 | Sold | $49,900 |
| 1987-10-01 | Sold | $23,000 |
Photo Gallery
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"Total Area Upper: 0",
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"total": 49800,
"building": 37900
},
"assessment": {
"land": 2380,
"total": 9960,
"building": 7580
}
}
],
"property_history": [
{
"date": "2026-01-06",
"price": 90000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-14T18:42:57Z",
"list_price": 90000,
"listing_id": "2988585321",
"last_update_date": "2026-02-16T01:43:18Z",
"last_status_change_date": "2025-11-14T18:42:57Z"
},
"event_name": "Price Changed",
"price_sqft": 117.1875,
"source_name": "GreaterAlabamaMLS",
"price_change": -20000,
"days_after_listed": null,
"source_listing_id": "21436792",
"price_change_percentage": null
},
{
"date": "2025-11-14",
"price": 110000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-14T18:42:57Z",
"list_price": 90000,
"listing_id": "2988585321",
"last_update_date": "2026-02-16T01:43:18Z",
"last_status_change_date": "2025-11-14T18:42:57Z"
},
"event_name": "Listed",
"price_sqft": 143.22916666666666,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21436792",
"price_change_percentage": "+120.44%"
},
{
"date": "2006-07-25",
"price": 49900,
"listing": null,
"event_name": "Sold",
"price_sqft": 64.97395833333333,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1987-10-01",
"price": 23000,
"listing": null,
"event_name": "Sold",
"price_sqft": 29.947916666666668,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": "Harlow Electric Inc",
"permit_status": "Applied",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Oct 27, 2025",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": "Harlow Electric Inc",
"permit_status": "Applied",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Oct 27, 2025",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": "1540 42nd Street",
"permit_status": "Issued",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Jan 21, 2025",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": "1540 42nd Street",
"permit_status": "Issued",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Jan 21, 2025",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
},
{
"project_name": "N/a",
"permit_status": "Plancheck",
"permit_type_of_work": "Building permit",
"permit_effective_date": "Nov 18, 2024",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Hvac",
"permit_project_type_3": "Plumbing"
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8936088644",
"generated_at": "2026-02-16T02:39:37.087246Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 75.2
},
"utility_allowance": {
"zip_code": "35208",
"home_photo": "https://ap.rdcpix.com/071a6fc8f986ca0644ca5a5f4e5c83ffl-m1611103629s-w1280.jpg",
"rent_price": 736.0,
"loan_amount": 72000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1540-42nd-Street-Ensley_Birmingham_AL_35208_M89360-88644",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 90000.0,
"loan_term_years": 30,
"annual_cash_flow": 6972.1,
"mortgage_monthly": 479.02,
"payment_standard": 1177.0,
"total_amount_out": 18000.0,
"additional_photos": [
"https://ap.rdcpix.com/071a6fc8f986ca0644ca5a5f4e5c83ffl-m4131417545s-w1280.jpg",
"https://ap.rdcpix.com/071a6fc8f986ca0644ca5a5f4e5c83ffl-m1723202106s-w1280.jpg",
"https://ap.rdcpix.com/071a6fc8f986ca0644ca5a5f4e5c83ffl-m2559824053s-w1280.jpg",
"https://ap.rdcpix.com/071a6fc8f986ca0644ca5a5f4e5c83ffl-m342193667s-w1280.jpg",
"https://ap.rdcpix.com/071a6fc8f986ca0644ca5a5f4e5c83ffl-m424107131s-w1280.jpg",
"https://ap.rdcpix.com/071a6fc8f986ca0644ca5a5f4e5c83ffl-m2193102516s-w1280.jpg",
"https://ap.rdcpix.com/071a6fc8f986ca0644ca5a5f4e5c83ffl-m933798590s-w1280.jpg",
"https://ap.rdcpix.com/071a6fc8f986ca0644ca5a5f4e5c83ffl-m3255752984s-w1280.jpg",
"https://ap.rdcpix.com/071a6fc8f986ca0644ca5a5f4e5c83ffl-m3568399548s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 39.33,
"monthly_cash_flow": 581.01,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has 'Central (HEAT)'. Electric is assumed as the water heater and dryer are both electric. 'Ala Power' is selected as the most likely provider for Birmingham.",
"utility": "Heating",
"allowance": 76
},
{
"note": "Property has 'Central (COOL)', which is electric. 'Alabama Power' is selected as the primary provider for the area.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "Property details explicitly state 'Water Heaters: Electric (WTRHTR)'. 'Ala Power' is the corresponding electricity provider.",
"utility": "Water Heating",
"allowance": 46
},
{
"note": "Cooking fuel is not specified. Electric is assumed based on the presence of an electric water heater and electric dryer hookup. 'Ala Power' is selected as the provider.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "This covers general electricity for lights, outlets, and fans. 'Ala Power' is selected as the primary provider for Birmingham.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Property details list 'Public Water' and the property is located within Birmingham city limits.",
"utility": "Water",
"allowance": 69
},
{
"note": "Property details state the sewer is 'Connected'. The allowance is based on the fixed rate for a 2-bedroom unit from the schedule.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "Inferred as the most appropriate option since the property is in Jefferson County and 'Birmingham' is not an explicit choice on the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance, so this allowance is for a tenant-owned unit.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned unit.",
"utility": "Range / Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.39,
"down_payment_amount": 18000.0,
"property_tax_annual": 504.7,
"property_tax_monthly": 42.06,
"property_tax_increase": 0.03,
"utility_allowance_total": 441.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 1223.89,
"property_management_monthly": 73.6,
"monthly_cash_flow_after_debt": 101.99,
"cash_on_cash_return_after_debt": 0.07
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the house appears to be in good, recently renovated condition and is likely to pass an initial HCV/NSPIRE inspection after a short checklist of safety items is addressed. Main inspection risks are missing/unknown smoke and CO detectors (CO required because gas service is present), verification of GFCI outlets and electrical panel condition, and clearing yard debris/large stump that present trip hazards. Appliances (stove) are not shown and should be provided or documented. With detectors installed, a quick systems check (water heater, HVAC operation, outlet GFCI) and minor site cleanup, the property should be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 82.0,
"rationale": "Interior appears recently renovated: fresh paint, new-looking flooring, updated kitchen cabinets/counters, and renovated bath. Exterior siding/paint and roof shingles appear in good cosmetic condition. Minor issues: no stove shown in photos (likely needs installation), some yard/site cleanup needed (stump/brush/debris). These are easy-to-fix or cosmetic; no visible collapsed surfaces or major deferred maintenance."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 68.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in photos (NSPIRE requires properly located smoke alarms and CO alarms where gas is present). Front door shows a deadbolt. Windows in bedrooms look like adequate egress. No exposed wiring or collapsed ceilings visible. Gas meter is present at foundation so CO alarm will be required. Some exterior trip hazards and a large cut tree trunk/debris at rear yard create safety risk until cleared. GFCI protection and electrical panel condition are not confirmed from photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 75.0,
"rationale": "Roof shingles appear recently replaced and in good visual condition. Floor registers seen in bedrooms indicate a central HVAC ducted system likely present (not shown), and bathroom fixtures look functional. Water heater and electrical panel are not visible in photos. Gas service is present (meter at foundation). No visible active leaks or major plumbing damage observed. Lack of visible system equipment requires verification but nothing suggests catastrophic system failure."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 78.0,
"rationale": "Siding, painted brick foundation, porch and steps look solid; porch has railings and steps have a handrail. Carport and block screen wall appear serviceable though posts are thin and will need inspection for stability. Yard is spacious but has a large cut tree trunk/stump and cleared debris that create trip/hazard and drainage concerns until removed. Walkways are informal (grass/dirt) but passable."
}
],
"red_flags": [
"No smoke detectors visible in interior photos (potential automatic NSPIRE fail if not installed).",
"No carbon monoxide detector visible while gas meter is present at foundation (CO alarm required).",
"Large cut tree trunk/stump and yard debris at rear present trip/hazard and may impede safe egress and yard use until cleared.",
"No electrical panel or GFCI outlets confirmed in photos (electrical safety items must be verified).",
"Kitchen stove/range not visible in photos (appliance absence is a move-in readiness issue to resolve)."
],
"confidence": 0.7,
"assumptions": [
"Interior photos show finished rooms after renovation; assume basic cosmetic repairs complete and surfaces in good repair.",
"Central HVAC exists and is operational based on visible floor/bedroom registers (system equipment not photographed).",
"Water heater and electrical panel are present and functional though not visible in photos.",
"Smoke and carbon monoxide alarms were not visible in listing photos and should be verified/installed; assume seller may not have installed them yet.",
"Kitchen stove/range is not shown and may be missing; assume seller/landlord will provide or tenant-supplied appliance is possible.",
"No active roof leaks or structural sagging inferred from good shingle appearance and straight roofline; interior ceilings do not show visible collapse or stains in photos."
],
"overall_score": 76.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "This 2BR/1BA single-family home appears to be recently updated and largely move-in ready with fresh finishes, new-looking flooring, a sound roof, and a functional exterior carport. Primary inspection risks are missing/undocumented safety items (smoke/CO detectors, GFCI protection) and the absence of visible major-system documentation (electrical panel, water heater). Missing kitchen appliances reduce readiness moderately but are not critical. With straightforward corrective actions — install/test smoke and CO alarms, add GFCI protection where required, confirm water heater/electrical panel service and install/confirm range and refrigerator — the property 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": "Interior appears freshly renovated: new flooring, fresh paint, updated kitchen cabinets and countertops, clean bathtub surround and new-looking fixtures. Cosmetic finish work near baseboards and threshold areas visible but minor. No visible major structural or water damage. Listing/photos do not show a stove or refrigerator — missing appliances lower score moderately but are not an automatic fail."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No visible exposed wiring, no visible mold, windows and bedroom windows appear operable and likely provide egress, entry door is solid and has a deadbolt. Front stairs have handrails. However smoke detectors and carbon monoxide alarms are not visible in photos (risk). GFCI receptacles in the kitchen/bath are not clearly shown (likely missing). These unknowns create moderate inspection risk even though no life‑threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Roof shingles and chimney appear in good condition from exterior photos. Interior floor registers are visible which indicates central HVAC/ducting likely present. Fixtures and plumbing visible in kitchen/bath look serviceable; tub/toilet/sink present. Electrical panel and water heater are not shown. Because major systems are inferred but not documented, score reflects likely serviceable condition with some uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Exterior siding and painted foundation appear maintained; porch and stair railings present. Covered carport with block screen and concrete pad looks structurally serviceable. Yard was recently cleared but contains tree stumps/debris that are a minor trip/maintenance issue and should be removed. No visible major foundation cracks or standing water observed in photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Central HVAC is present/operational (inferred from visible floor registers).",
"Hot water and water heater are present and operational (not visible in photos).",
"Electrical service and panel are intact and meet code though not pictured.",
"Bedroom windows meet minimum egress dimensions (appear large enough in photos).",
"Smoke detectors and CO alarms are either missing or not shown — not assumed present without photo evidence.",
"Kitchen appliances (stove/oven, refrigerator) are not present in photos and likely not included; they would be a moderately quick procurement/installation item."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2BR/1BA 1940 single-family home appears recently renovated cosmetically and is largely move-in ready. Major visible systems (roof, exterior envelope, interior finishes, kitchen and bath fixtures) look sound. The most likely NSPIRE inspection failures would be absent/incorrect placement of smoke and carbon monoxide detectors and missing GFCI protection at wet-area outlets; appliance absence (stove/fridge) will delay tenant readiness but is not a safety fail. Mechanical equipment (HVAC, water heater, electrical panel) are not pictured and should be verified operational prior to inspection. With installation/verification of required detectors, confirmation of GFCI outlets, and addressing minor exterior cleanup and any missing appliances, the property has a high probability of passing an initial HCV/NSPIRE inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic rehab: fresh paint, new-looking LVP flooring in main rooms, new carpet in bedrooms, updated kitchen cabinets/counters and bath surround. No visible major drywall, flooring, or ceiling defects. Exterior paint and shingle roof appear recently renewed. Missing built-in appliances (no stove or refrigerator visible) — a moderate tenant-readiness item but not an immediate safety failure. Minor exterior cleanup and some yard debris required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No smoke detectors or carbon-monoxide detectors are visible in the interior photos (likely an NSPIRE fail if not installed). Entry door appears to have two locks (deadbolt likely present). No obvious exposed wiring, collapsed ceilings, or severe trip hazards visible. Bathroom and kitchen fixtures are present. Bedroom windows look operable and likely provide egress, but sizing cannot be fully confirmed from photos. GFCI protection at kitchen/bath outlets is not visible. Because detectors and GFCI presence are uncertain, inspection risk is elevated."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Roof shingles and chimney appear in good condition with no visible sagging or active leaks. Floor vents are visible in rooms indicating central HVAC + ducting is present; the heating/cooling equipment itself and water heater are not shown so operability is assumed but unconfirmed. Electrical panel and water heater locations not photographed; outlets and covers are present in rooms. Plumbing fixtures appear intact (sink, toilet, tub). Systems likely functional but require verification (HVAC, water heater, electrical panel)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Exterior siding, foundation brick (painted), porch and steps appear structurally sound; front steps have handrails. Lot has been cleared but shows residual debris/brush and a tree stump that should be removed. Carport has a concrete pad and decorative block walls; the carport roof is supported by thin metal posts (one central post visible) that warrant inspection for stability but currently appear serviceable. Drainage away from foundation not fully visible but no evidence of standing water or severe erosion in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon-monoxide detector — likely NSPIRE fail if not installed.",
"GFCI protection in kitchen/bath not visible — potential safety/code issue.",
"Carport support uses thin metal posts with single central post visible — recommend structural check for stability.",
"Property built in 1940 — potential for lead-based paint risk (no peeling paint visible, but pre-1978 age requires consideration).",
"No appliances visible (stove/refrigerator) — tenant readiness delay and a lease-readiness item (not automatically a safety fail).",
"No interior photos of HVAC equipment, water heater, or electrical panel — systems operability unverified."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operable (inferred from visible floor vents) though the unit and thermostat were not photographed.",
"Water heater exists and functions but location and condition were not shown.",
"Electrical service and panel are present and safe; no exposed wiring was observed in photos.",
"No smoke detectors or CO detectors are installed (none visible); assume they are absent until verified.",
"GFCI protection in kitchen and bath is not visible and should be verified/installed as needed.",
"Bedroom windows provide required egress dimensions based on appearance, but sizing not confirmed from photos.",
"Appliances (stove and refrigerator) are not present in photos and likely not included with the property; these would need to be provided for tenant move-in.",
"No active roof leaks, major foundation movement, or severe mold issues are present based on exterior/interior photo review."
],
"overall_score": 74.0,
"rubric_version": "nsplore_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1540 42nd Street Ensley, Birmingham, AL, 35208",
"aggregate": {
"summary": "Overall the house appears to be in good, recently renovated condition and is likely to pass an initial HCV/NSPIRE inspection after a short checklist of safety items is addressed. Main inspection risks are missing/unknown smoke and CO detectors (CO required because gas service is present), verification of GFCI outlets and electrical panel condition, and clearing yard debris/large stump that present trip hazards. Appliances (stove) are not shown and should be provided or documented. With detectors installed, a quick systems check (water heater, HVAC operation, outlet GFCI) and minor site cleanup, the property should be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 84.0,
"rationale": "Interior appears recently renovated: fresh paint, new-looking flooring, updated kitchen cabinets/counters, and renovated bath. Exterior siding/paint and roof shingles appear in good cosmetic condition. Minor issues: no stove shown in photos (likely needs installation), some yard/site cleanup needed (stump/brush/debris). These are easy-to-fix or cosmetic; no visible collapsed surfaces or major deferred maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 74.3,
"rationale": "Siding, painted brick foundation, porch and steps look solid; porch has railings and steps have a handrail. Carport and block screen wall appear serviceable though posts are thin and will need inspection for stability. Yard is spacious but has a large cut tree trunk/stump and cleared debris that create trip/hazard and drainage concerns until removed. Walkways are informal (grass/dirt) but passable."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 67.7,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in photos (NSPIRE requires properly located smoke alarms and CO alarms where gas is present). Front door shows a deadbolt. Windows in bedrooms look like adequate egress. No exposed wiring or collapsed ceilings visible. Gas meter is present at foundation so CO alarm will be required. Some exterior trip hazards and a large cut tree trunk/debris at rear yard create safety risk until cleared. GFCI protection and electrical panel condition are not confirmed from photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 71.7,
"rationale": "Roof shingles appear recently replaced and in good visual condition. Floor registers seen in bedrooms indicate a central HVAC ducted system likely present (not shown), and bathroom fixtures look functional. Water heater and electrical panel are not visible in photos. Gas service is present (meter at foundation). No visible active leaks or major plumbing damage observed. Lack of visible system equipment requires verification but nothing suggests catastrophic system failure."
}
],
"red_flags": [
"No smoke detectors visible in interior photos (potential automatic NSPIRE fail if not installed).",
"No carbon monoxide detector visible while gas meter is present at foundation (CO alarm required).",
"Large cut tree trunk/stump and yard debris at rear present trip/hazard and may impede safe egress and yard use until cleared.",
"No electrical panel or GFCI outlets confirmed in photos (electrical safety items must be verified).",
"Kitchen stove/range not visible in photos (appliance absence is a move-in readiness issue to resolve)."
],
"confidence": 0.95,
"assumptions": [
"Interior photos show finished rooms after renovation; assume basic cosmetic repairs complete and surfaces in good repair.",
"Central HVAC exists and is operational based on visible floor/bedroom registers (system equipment not photographed).",
"Water heater and electrical panel are present and functional though not visible in photos.",
"Smoke and carbon monoxide alarms were not visible in listing photos and should be verified/installed; assume seller may not have installed them yet.",
"Kitchen stove/range is not shown and may be missing; assume seller/landlord will provide or tenant-supplied appliance is possible.",
"No active roof leaks or structural sagging inferred from good shingle appearance and straight roofline; interior ceilings do not show visible collapse or stains in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 75.2,
"rubric_version": "2026-02-hcv-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8936088644"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.