Property ID: 8960938730
1925 10th Pl, Birmingham, AL, 35214
Birmingham, AL
Money Down: $18,696
CoC Return: 24.58%
Monthly Cash Flow: $383
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,580
Closing Costs
$3,116
Total Down
$18,696
Investment Snapshot
Purchase Price
$77,900
Money Down
$18,696
Cash-on-Cash Return
24.58%
Rent
$1,003
Monthly Cash Flow
$383
Annual Cash Flow
$4,596
Debt Service / Mo
$415
Property Tax / Mo
$45
Insurance / Mo
$60
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,003
Payment Standard
$1,518
Rent
$1,003
Insurance
$60
Property Tax
$45
Management
$100
Utilities Allowance
$515
NOI (Monthly)
$798
Debt Service
$415
Cash Flow After Debt
$383
Quality Score: 78.20%
Confidence: 92.00%
Overall the house appears largely turnkey for Section 8 / NSPIRE initial inspection. Interior finishes are in good cosmetic condition, appliances (electric range and owner fridge) are present, and listing reports a new HVAC (Dec 2025). No major structural or life-safety failures are visible in the photos. Remaining inspection risk centers on verification of: adequate smoke detector placement (inside bedrooms and outside sleeping areas), GFCI protection in kitchen/bath, presence and condition of hot water heater/plumbing, and the electrical panel condition. If those items verify on-site, the property is likely to pass an initial HCV inspection with only minor repairs or documentation needed.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$1,003
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$77,900
Beds
3
Baths
1
Living Area
1,363 sqft
Lot Size
6,970 sqft
Year Built
1930
Days on Market
20
Capital Outlay
$18,696
Debt Service
$415
Property Tax / Mo
$45
Insurance / Mo
$60
Property Description
Turn-key 3BR/1BA investment property at 1925 10th Pl, Birmingham 35214. Features hardwood floors throughout, separate living and dining rooms, 3 full bedrooms, kitchen with owner-provided refrigerator and electric stove, and a laundry room off the kitchen. All-electric home with a brand new HVAC installed December 2025 and no current repair needs. Section 8 tenant in place since 2023 with rent covered in full at $900/month. Lease expires 10/31/2026. Strong cash-flow opportunity with very low maintenance.
Utility Allowances
Heating
$93
Property is an all-electric home with central electric heating. Selected 'Elec Heat: Ala Power' as Alabama Power is the primary provider in Birmingham.
Cooling
$22
Property has central air conditioning. Selected 'A/C: Alabama Power' as Alabama Power is the primary electric provider for the area.
Water Heating
$56
Property has an electric water heater. Selected 'Elec: Ala Power' as Alabama Power is the primary electric provider.
Cooking
$21
Property has an electric stove. Selected 'Elec: Ala Power' as Alabama Power is the primary electric provider.
Other Electric
$68
Covers general tenant electric usage (lights, outlets). The owner-provided refrigerator is included in this line item per the schedule's naming ('Lights, Ref, Etc.').
Water
$78
Property uses public water and is in Birmingham, which corresponds to the 'Water: Birmingham' line item.
Sewer
$151
Property details state it is connected to the public sewer system.
Trash Collection
$20
Selected 'Jefferson City (Once per week)' as the generic county option, as a specific provider for the City of Birmingham is not listed.
Range/Microwave
$6
A microwave is not listed as landlord-provided, so an allowance for a tenant-owned appliance is included.
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$574
DP3 Annual Estimate$856
DP1 Monthly Equivalent$48
DP3 Monthly Equivalent$71
Replacement Value$62,000
Basis1,363 sqft / 1930
Nearby Houses
Photo unavailable
1920 10th Pl
sold · 0.03 mi
Price: $62,000
3 bd / 1 ba · 1,180 sqft
Latest sale: $62,000 on Aug 31, 2020
Latest rent: —
Photo unavailable
2020 10th Way
off_market · 0.05 mi
Price: $10,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
2022 10th Way
off_market · 0.06 mi
Price: $12,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
2020 10th Way Lot 2
for_sale · 0.06 mi
Price: $6,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
2022 10th Way Lot 1
for_sale · 0.06 mi
Price: $6,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
1921 10th St
sold · 0.07 mi
Price: $70,000
3 bd / 1 ba · 1,120 sqft
Latest sale: $70,000 on Jul 29, 2024
Latest rent: $1,025 on Oct 21, 2025
Photo unavailable
2005 10th St
sold · 0.07 mi
Price: $44,000
3 bd / 1 ba · 792 sqft
Latest sale: $44,000 on Jun 17, 2022
Latest rent: $800 on Jul 10, 2022
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Accepting listing statement that HVAC was installed Dec 2025 and is operational.
- Electric service is intact and properly grounded; no exposed live wiring beyond what is visible in photos.
- Hot water heater and functional plumbing exist but were not photographed; assumed operational unless inspection finds otherwise.
- Smoke alarm seen in photos represents at least one working detector; additional detectors (required by NSPIRE) may or may not be present in each bedroom—this assessment assumes some detectors may be missing.
- GFCI protection in kitchen and bathroom outlets is not visible in photos and is assumed to be potentially lacking until verified.
- Entry door has at least a functioning lock; presence of a deadbolt not clearly visible and therefore treated as uncertain.
- No active roof leaks or major foundation movement are present (no visual signs in provided photos).
- Tenant and lease information in snapshot is current and accurate (lease through 10/31/2026 as provided).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $530 | $73,200 | $7,320 |
| 2023 | $530 | $73,200 | $7,320 |
| 2022 | $406 | $56,000 | $5,600 |
| 2021 | $406 | $56,000 | $5,600 |
| 2020 | $406 | $56,000 | $5,600 |
| 2012 | $259 | $47,040 | $4,704 |
| 2008 | $283 | $50,400 | $5,040 |
| 2007 | $279 | $49,800 | $4,980 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-06-06 | Sold | $5,047 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-08-21 | Listed for rent | $1,000 | — |
| 2022-12-08 | Listed for rent | $975 | — |
Photo Gallery
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"property_id": "8960938730",
"generated_at": "2026-02-16T02:58:00.989540Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 78.2
},
"utility_allowance": {
"zip_code": "35214",
"home_photo": "https://ap.rdcpix.com/6d82a17ef32ccc9b15c5a901373bb695l-m1323214806s-w1280.jpg",
"rent_price": 1003.0,
"loan_amount": 62320.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1925-10th-Pl_Birmingham_AL_35214_M89609-38730",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 77900.0,
"loan_term_years": 30,
"annual_cash_flow": 9571.5,
"mortgage_monthly": 414.62,
"payment_standard": 1518.0,
"total_amount_out": 15580.0,
"additional_photos": [
"https://ap.rdcpix.com/6d82a17ef32ccc9b15c5a901373bb695l-m2163968490s-w1280.jpg",
"https://ap.rdcpix.com/6d82a17ef32ccc9b15c5a901373bb695l-m1986656540s-w1280.jpg",
"https://ap.rdcpix.com/6d82a17ef32ccc9b15c5a901373bb695l-m2999612610s-w1280.jpg",
"https://ap.rdcpix.com/6d82a17ef32ccc9b15c5a901373bb695l-m2384142395s-w1280.jpg",
"https://ap.rdcpix.com/6d82a17ef32ccc9b15c5a901373bb695l-m2306954028s-w1280.jpg",
"https://ap.rdcpix.com/6d82a17ef32ccc9b15c5a901373bb695l-m707580277s-w1280.jpg",
"https://ap.rdcpix.com/6d82a17ef32ccc9b15c5a901373bb695l-m4255914058s-w1280.jpg",
"https://ap.rdcpix.com/6d82a17ef32ccc9b15c5a901373bb695l-m2289285630s-w1280.jpg",
"https://ap.rdcpix.com/6d82a17ef32ccc9b15c5a901373bb695l-m3803961552s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 59.58,
"monthly_cash_flow": 797.62,
"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 is an all-electric home with central electric heating. Selected 'Elec Heat: Ala Power' as Alabama Power is the primary provider in Birmingham.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has central air conditioning. Selected 'A/C: Alabama Power' as Alabama Power is the primary electric provider for the area.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has an electric water heater. Selected 'Elec: Ala Power' as Alabama Power is the primary electric provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Property has an electric stove. Selected 'Elec: Ala Power' as Alabama Power is the primary electric provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Covers general tenant electric usage (lights, outlets). The owner-provided refrigerator is included in this line item per the schedule's naming ('Lights, Ref, Etc.').",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property uses public water and is in Birmingham, which corresponds to the 'Water: Birmingham' line item.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details state it is connected to the public sewer system.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Jefferson City (Once per week)' as the generic county option, as a specific provider for the City of Birmingham is not listed.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A microwave is not listed as landlord-provided, so an allowance for a tenant-owned appliance is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.61,
"down_payment_amount": 15580.0,
"property_tax_annual": 545.9,
"property_tax_monthly": 45.49,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": 4596.1,
"property_management_monthly": 100.3,
"monthly_cash_flow_after_debt": 383.01,
"cash_on_cash_return_after_debt": 0.3
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the house appears largely turnkey for Section 8 / NSPIRE initial inspection. Interior finishes are in good cosmetic condition, appliances (electric range and owner fridge) are present, and listing reports a new HVAC (Dec 2025). No major structural or life-safety failures are visible in the photos. Remaining inspection risk centers on verification of: adequate smoke detector placement (inside bedrooms and outside sleeping areas), GFCI protection in kitchen/bath, presence and condition of hot water heater/plumbing, and the electrical panel condition. If those items verify on-site, the property is likely to pass an initial HCV inspection with only minor repairs or documentation needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears freshly painted with intact trim and hardwood floors throughout; cosmetic wear/finish issues and some floorboard gaps visible but no collapsed subfloor. Kitchen has owner-provided refrigerator and electric stove present (reduces penalty). Minor items visible: scuffed baseboards, some floor blemishes, and a worn porch awning. Overall cosmetics only; no evidence of major deferred maintenance in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "No obvious life-threatening hazards in photos: no exposed wiring, no collapsed ceilings, no standing water. A smoke/CO-style alarm device is visible on an interior wall (one location) but quantity/placement in all sleeping areas and outside sleeping areas is not confirmed. Home is all-electric (listing) so CO requirements likely not triggered. GFCI protection in kitchen/bath not visible in photos. Doors/windows appear operable; bedroom egress windows appear adequate from images. Deadbolt presence on entry door is unclear. Because some code-critical items (GFCI, smoke detector coverage, deadbolt) cannot be fully verified from photos, a moderate deduction was applied."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing)",
"score": 80.0,
"rationale": "Listing states a brand-new HVAC installed Dec 2025; photos show ceiling vents and recent-looking ceiling finishes; HVAC presence likely good (major positive). All-electric appliances shown; electric range present and appears plumbed to outlet. No visible water heater or electrical panel in photos so those systems cannot be directly confirmed. No visible signs of active leaks or water damage in ceilings/walls. Given the new HVAC claim and absence of visible system failures, score is high but reduced for unverified water heater/panel condition and unknown plumbing/hot-water status."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Front façade, brick porch and foundation vents look intact with no visible foundation displacement or sagging. Roof and eaves visible from front appear intact (no obvious major failure). Yard shows some overgrown vegetation and worn grass; front awning fabric/trim shows wear and minor damage which could be a falling hazard if not addressed. Porch rail exists on one side; left side of porch relies on brick knee-wall (appears adequate). Moderate exterior maintenance required but no structural distress observed in photos."
},
{
"key": "rental_history_activity",
"label": "Rental history / current tenancy (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Accepting listing statement that HVAC was installed Dec 2025 and is operational.",
"Electric service is intact and properly grounded; no exposed live wiring beyond what is visible in photos.",
"Hot water heater and functional plumbing exist but were not photographed; assumed operational unless inspection finds otherwise.",
"Smoke alarm seen in photos represents at least one working detector; additional detectors (required by NSPIRE) may or may not be present in each bedroom—this assessment assumes some detectors may be missing.",
"GFCI protection in kitchen and bathroom outlets is not visible in photos and is assumed to be potentially lacking until verified.",
"Entry door has at least a functioning lock; presence of a deadbolt not clearly visible and therefore treated as uncertain.",
"No active roof leaks or major foundation movement are present (no visual signs in provided photos).",
"Tenant and lease information in snapshot is current and accurate (lease through 10/31/2026 as provided)."
],
"overall_score": 80.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Overall this appears to be a largely turnkey Section 8-ready single-family home with recent interior refresh, functioning electric appliances, and a recently reported new HVAC system. The unit shows only minor cosmetic repairs and site maintenance. Main inspection risks are missing/verifiable smoke and CO detector locations, GFCI in kitchen/bath, and inability to visually confirm water heater and electrical panel. With a short onsite verification and installation of any missing detectors/GFCIs, the property has a high likelihood of passing an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recently painted walls, intact hardwood floors with surface wear and some staining/scuffs but no large areas of missing subfloor. Ceilings look intact, trim present, and fireplaces boxed off. Owner-provided electric stove and refrigerator are present. Cosmetic issues (floor refinishing spots, minor trim touch-ups, awning wear) are visible but easy to correct. No evidence of major deferred maintenance inside. Overall condition appears to be minor-repair level (turnkey after small touch-ups)."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No visible exposed wiring, no collapsed ceilings, and entry door appears secure with a deadbolt. Windows appear intact and likely provide bedroom egress, and exterior stairs have a handrail. However, smoke/CO detector coverage cannot be confirmed from photos (one small device is visible in a living area but bedroom detectors are not shown). GFCI outlets in kitchen/bath are not verifiable in photographs. Bathroom fixtures and hot water availability are not shown. No visible active leaks or severe mold. Because critical life-safety items (smoke/CO detectors, GFCI, bathroom plumbing) are not verifiable, there is moderate NSPIRE risk that will likely be cleared with a quick onsite check/installation."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 75.0,
"rationale": "Listing states a brand-new HVAC installed Dec 2025 (recent and favorable). The home is all-electric and shows a working electric stove and refrigerator, indicating electrical service to the unit. No water heater, electrical panel, or plumbing details are shown in photos. No interior signs of roof leaks or water intrusion are visible. Given the new HVAC claim and visible functioning appliances, systems risk appears moderate-low, but lack of visible water heater/panel/GFCI details prevents a higher score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Front exterior shows solid brick porch base, intact siding, and an awning with cosmetic wear. Porch steps and handrail are present. Foundation vents visible and no obvious foundation settlement or sagging in photos. Yard shows minor overgrowth and some neglected planting beds but no standing water or major trip hazards observed. Roof edge visible appears straight; no visible major roof failure. Exterior condition indicates only minor site work required."
},
{
"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": 0.65,
"assumptions": [
"Listing statement that HVAC was newly installed Dec 2025 is accurate and the system is operational.",
"Bathroom, hot water heater and plumbing are functional (no photos provided) because there are no interior water-stain indicators.",
"Electrical service and panel are in code-compliant condition; no exposed wiring was visible in photos.",
"Bedrooms have egress-capable windows (photos show typical full-height sash windows but bedroom-specific egress not individually pictured).",
"Owner-provided refrigerator and electric stove shown are in working order despite visible surface dirt.",
"No major concealed structural issues (sagging, foundation movement) exist since exterior/ interior photos show level floors and no visible settlement indicators."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on photos and the listing, this is a largely turnkey single-family 3BR/1BA with hardwood floors, owner-provided electric appliances, and a recently installed HVAC (per listing). Visible interior and exterior conditions show mostly cosmetic wear and minor maintenance items; there are no photographic signs of structural failure, active leaks, collapsed ceilings, or electrical hazards. Primary inspection risks that cannot be fully confirmed from photos are GFCI protection in kitchen, full smoke-detector coverage per NSPIRE, and unseen electrical panel/water heater condition. With a short targeted repair list (verify detectors, install/confirm GFCIs if missing, minor cosmetic floor/trim work), the home would likely pass an initial HCV/NSPIRE inspection. Overall readiness is high — likely rent-ready within 30 days, often sooner given tenant in-place and recent HVAC install (per listing).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently painted with hardwood floors throughout; floors show wear, surface scratches and some scuffs but no obvious structural subfloor collapse. Baseboards and trim have cosmetic damage in spots. Kitchen and owner-provided appliances (electric stove and refrigerator) are present which reduces penalty for missing items. No visible major water damage, collapsed ceilings, or mold-stained areas in the photos. Overall condition indicates minor-to-moderate cosmetic repairs only (refinish floors, touch-up paint, replace a few trim pieces)."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 82.0,
"rationale": "Visible indicators of basic safety: interior ceilings intact, no visible active leaks, no exposed wiring in photographed rooms, front door appears to have two locks (likely a deadbolt). A round smoke/CO style device is visible in one room. Bedrooms have operable windows for egress. Risks: GFCI outlets in the kitchen near sink are not visible in photos (possible citation); full smoke detector coverage on each level/inside bedrooms is not confirmed; electrical panel and plumbing/water heater condition are not shown. No obvious life-threatening hazards observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 80.0,
"rationale": "Listing states a brand-new HVAC installed Dec 2025; photos show ceiling fans and vents which suggests functioning distribution. The home is all-electric and visible stove and refrigerator are electric. No visible roof sag or major exterior deterioration from front view. Electrical panel, water heater and drain systems are not shown — assumed intact based on listing and overall good interior condition. Because these critical items are not directly verified, a modest systems risk remains but nothing in photos indicates imminent failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brick front foundation and porch appear intact with masonry in reasonable condition. Awning and porch paint show wear and some minor deterioration; small front-yard vegetation overgrowth and slightly uneven walk leading to porch. Steps have a railing at least on one side; no collapsed or missing guardrails observed. Foundation vents visible. No standing water or clear evidence of major exterior structural movement in provided photos, but side/rear elevations and roof details are limited in images."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statements are accurate: HVAC was installed in Dec 2025 and is operational.",
"Owner-provided refrigerator and electric stove photographed are present and functional.",
"No active plumbing leaks or water heater failure exists (no visual evidence of leaks in photos).",
"Electrical panel and service are intact and up to code (panel not shown in photos).",
"Bedrooms have code-compliant egress windows (windows are present but exact dimensions not verified).",
"Additional smoke detectors/CO devices required by local code either exist or can be installed if missing."
],
"overall_score": 79.0,
"rubric_version": "nsPIRE-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1925 10th Pl, Birmingham, AL, 35214",
"aggregate": {
"summary": "Overall the house appears largely turnkey for Section 8 / NSPIRE initial inspection. Interior finishes are in good cosmetic condition, appliances (electric range and owner fridge) are present, and listing reports a new HVAC (Dec 2025). No major structural or life-safety failures are visible in the photos. Remaining inspection risk centers on verification of: adequate smoke detector placement (inside bedrooms and outside sleeping areas), GFCI protection in kitchen/bath, presence and condition of hot water heater/plumbing, and the electrical panel condition. If those items verify on-site, the property is likely to pass an initial HCV inspection with only minor repairs or documentation needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 81.0,
"rationale": "Interior appears freshly painted with intact trim and hardwood floors throughout; cosmetic wear/finish issues and some floorboard gaps visible but no collapsed subfloor. Kitchen has owner-provided refrigerator and electric stove present (reduces penalty). Minor items visible: scuffed baseboards, some floor blemishes, and a worn porch awning. Overall cosmetics only; no evidence of major deferred maintenance in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 76.0,
"rationale": "Front façade, brick porch and foundation vents look intact with no visible foundation displacement or sagging. Roof and eaves visible from front appear intact (no obvious major failure). Yard shows some overgrown vegetation and worn grass; front awning fabric/trim shows wear and minor damage which could be a falling hazard if not addressed. Porch rail exists on one side; left side of porch relies on brick knee-wall (appears adequate). Moderate exterior maintenance required but no structural distress observed in photos."
},
{
"key": "rental_history_activity",
"label": "Rental history / current tenancy (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.7,
"rationale": "No obvious life-threatening hazards in photos: no exposed wiring, no collapsed ceilings, no standing water. A smoke/CO-style alarm device is visible on an interior wall (one location) but quantity/placement in all sleeping areas and outside sleeping areas is not confirmed. Home is all-electric (listing) so CO requirements likely not triggered. GFCI protection in kitchen/bath not visible in photos. Doors/windows appear operable; bedroom egress windows appear adequate from images. Deadbolt presence on entry door is unclear. Because some code-critical items (GFCI, smoke detector coverage, deadbolt) cannot be fully verified from photos, a moderate deduction was applied."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing)",
"score": 78.3,
"rationale": "Listing states a brand-new HVAC installed Dec 2025; photos show ceiling vents and recent-looking ceiling finishes; HVAC presence likely good (major positive). All-electric appliances shown; electric range present and appears plumbed to outlet. No visible water heater or electrical panel in photos so those systems cannot be directly confirmed. No visible signs of active leaks or water damage in ceilings/walls. Given the new HVAC claim and absence of visible system failures, score is high but reduced for unverified water heater/panel condition and unknown plumbing/hot-water status."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Accepting listing statement that HVAC was installed Dec 2025 and is operational.",
"Electric service is intact and properly grounded; no exposed live wiring beyond what is visible in photos.",
"Hot water heater and functional plumbing exist but were not photographed; assumed operational unless inspection finds otherwise.",
"Smoke alarm seen in photos represents at least one working detector; additional detectors (required by NSPIRE) may or may not be present in each bedroom—this assessment assumes some detectors may be missing.",
"GFCI protection in kitchen and bathroom outlets is not visible in photos and is assumed to be potentially lacking until verified.",
"Entry door has at least a functioning lock; presence of a deadbolt not clearly visible and therefore treated as uncertain.",
"No active roof leaks or major foundation movement are present (no visual signs in provided photos).",
"Tenant and lease information in snapshot is current and accurate (lease through 10/31/2026 as provided)."
],
"score_method": "mean_of_criteria",
"overall_score": 78.2,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8960938730"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.