Property ID: 8961023564

2920 Lake Villa Dr, Metairie, LA, 70002

Metairie, LA

For Sale Mar 27, 2026 01:51 AM UTC Realtor Street View Rent Zestimate
Money Down: $59,760 CoC Return: -0.09% Monthly Cash Flow: $-5
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$49,800
Closing Costs
$9,960
Total Down
$59,760
Primary property image

Investment Snapshot

Purchase Price
$249,000
Money Down
$59,760
Cash-on-Cash Return
-0.09%
Rent
$1,696
Monthly Cash Flow
$-5
Annual Cash Flow
$-55
Debt Service / Mo
$1,325
Property Tax / Mo
$134
Insurance / Mo
$72

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$72
Property Tax
$134
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,321
Debt Service
$1,325
Cash Flow After Debt
$-5

Quality Score: 82.40%

Confidence: 95.00%

This single-family property appears to be recently renovated and is largely rent-ready for a Housing Choice Voucher tenancy. Visible interior and exterior conditions indicate a turnkey unit with new roof, updated kitchen and appliances, fresh finishes, and sound exterior site work. Remaining verification items that could affect an official NSPIRE inspection include documented smoke and CO detectors, GFCI protection near wet areas, electrical panel condition, hot water availability, and lead-based paint disclosures (property built 1944). Addressing these verifications and installing/confirming required detectors will likely result in passing an initial HCV inspection with minimal additional repairs.

Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$249,000
Beds
3
Baths
2
Living Area
1,249 sqft
Lot Size
6,752 sqft
Year Built
1944
Days on Market
154
Capital Outlay
$59,760
Debt Service
$1,325
Property Tax / Mo
$134
Insurance / Mo
$72

Property Description

Recently renovated home now available for new owner! Charming house fully renovated with fresh paint, updated floors, & tons of natural light throughout, new roof, kitchen featuring gorgeous granite counters with matching cabinets, brand new appliances & updated lighting fixtures, ample storage space, custom built-in drawers in the guest bedrooms, & a huge primary suite with a deep walk-in closet. Large, corner lot with a massive, covered patio great for entertaining guests, bonus storage shed, new driveway, and much more! Excellent location by I-10 and Veterans Blvd in a quiet neighborhood with quick access to surrounding shopping, restaurants, schools, & public transportation. Great investment opportunity for income generating property with commercial mixed-use R3 Zoning.

Utility Allowances

heating
$70
Property has central heating and the utility details specify 'Gas: Natural'. Selected the 'natural_gas' option from the schedule.
cooking
$12
Property includes a Range/Oven and the utility details specify 'Gas: Natural'. Selected the 'natural_gas' option from the schedule.
water_heating
$24
Inferred as 'natural_gas' based on the presence of natural gas for other major appliances (heating and cooking).
other_electric
$67
Standard fixed allowance for general electricity use such as lights, outlets, and non-specified appliances.
water
$43
Property utility details state 'Water Source: Public'. This is a fixed allowance from the schedule.
sewer
$46
Property utility details state 'Sewer: City'. This is a fixed allowance from the schedule.
trash_collection
$25
Standard municipal utility for a single-family home, included as a fixed allowance.

Source References

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

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$840
DP3 Annual Estimate$878
DP1 Monthly Equivalent$70
DP3 Monthly Equivalent$73
Replacement Value$24,800
Basis1,249 sqft / 1944

Nearby Houses

Nearby house 1
Photo unavailable

4117 Trenton St Apt D

off_market · 0.05 mi
Price: $1,290
2 bd / 2 ba · 1,000 sqft
Latest sale: —
Latest rent: $1,340 on Oct 23, 2025
Photo unavailable

4020 Rye St Apt 5

sold · 0.09 mi
Price: $96,000
2 bd / 1 ba · 800 sqft
Latest sale: — on May 28, 2021
Latest rent: $1,300 on Mar 06, 2025
Nearby house 3
Photo unavailable

2912 Houma Blvd

for_sale · 0.16 mi
Price: $509,000
8 bd / 4 ba · 3,900 sqft
Latest sale: — on Dec 27, 2023
Latest rent: —
Nearby house 4
Photo unavailable

2812 Houma Blvd

for_sale · 0.17 mi
Price: $519,000
8 bd / 4 ba · 3,900 sqft
Latest sale: — on Feb 01, 2021
Latest rent: —
Nearby house 5
Photo unavailable

3020 Houma Blvd Apt B

off_market · 0.19 mi
Price: $1,250
2 bd / 1 ba · 1,050 sqft
Latest sale: —
Latest rent: $1,250 on Jan 31, 2026
Nearby house 6
Photo unavailable

2817 Kingman St Apt C

off_market · 0.19 mi
Price: $1,250
2 bd / 1 ba · 940 sqft
Latest sale: —
Latest rent: $1,250 on Oct 21, 2025
Nearby house 7
Photo unavailable

2713 Kingman St Apt D

off_market · 0.21 mi
Price: $1,300
2 bd / 1 ba · 900 sqft
Latest sale: —
Latest rent: $1,300 on Dec 23, 2025

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success
  • Potential lead-based paint risk — house built 1944 (requires disclosure and possible remediation if disturbed).
  • Smoke detectors and carbon monoxide alarms not visible in photos — must confirm placement and operation prior to inspection.
  • Electrical panel, service grounding, and GFCI protection near kitchen/bath not shown — verify condition to rule out electrical failure risk.

Assumptions

  • Listing claims (new roof, brand-new appliances, full renovation) are accurate and reflect current condition.
  • Central HVAC is present and operational (vent visible in living room); heating/cooling functionality assumed but not tested in photos.
  • Plumbing and hot water are functioning as no water stains or evidence of leaks were visible.
  • Windows in bedrooms meet egress requirements based on typical double-hung sizing visible in photos.
  • No active roof leaks or hidden structural damage are present based on clean interior ceilings and exterior roof appearance.
  • Electrical outlets are covered and there are no visible exposed conductors; however electrical panel and GFCI protection were not photographed and must be verified.
  • Cosmetic items (caulking, minor threshold adjustments) are the only likely easily fixed items seen.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $1,563 $123,900 $12,390
2024 $1,561 $123,900 $12,390
2023 $1,629 $123,900 $12,390
2022 $1,587 $123,900 $12,390
2021 $1,474 $123,900 $12,390
2020 $1,463 $123,900 $12,390
2019 $1,504 $123,900 $12,390
2018 $1,405 $123,900 $12,390
2017 $1,405 $123,900 $12,390
2016 $1,377 $123,900 $12,390
2015 $1,411 $123,900 $12,390
2014 $1,393 $123,900 $12,390
2013 $1,393 $123,900 $12,390
2012 $550 $123,900 $12,390
2011 $514 $123,900 $12,390
2010 $1,272 $123,900 $12,390
2009 $1,272 $123,900 $12,390
2008 $497 $12,390

Sale History

DateEventPrice
2025-11-06 Listed $249,000
2025-08-16 Listing removed $0
2025-08-15 Sold $0
2025-08-13 Listed $150,000
1988-07-01 Sold $0

Photo Gallery

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            "year": 2009,
            "market": {
              "land": 99100,
              "total": 123900,
              "building": 24800
            },
            "assessment": {
              "land": 9910,
              "total": 12390,
              "building": 2480
            }
          },
          {
            "tax": 497,
            "year": 2008,
            "market": null,
            "assessment": {
              "land": null,
              "total": 12390,
              "building": null
            }
          }
        ],
        "property_history": [
          {
            "date": "2025-11-06",
            "price": 249000,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-11-06T01:26:31Z",
              "list_price": 249000,
              "listing_id": "2988160332",
              "last_update_date": "2026-02-27T16:30:55Z",
              "last_status_change_date": "2026-02-27T22:33:28Z"
            },
            "event_name": "Listed",
            "price_sqft": 199.35948759007206,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2529554",
            "price_change_percentage": null
          },
          {
            "date": "2025-08-16",
            "price": 0,
            "listing": {
              "status": "off_market",
              "list_date": "2025-08-13T18:15:38Z",
              "list_price": 150000,
              "listing_id": "2985303541",
              "last_update_date": "2025-08-14T00:34:13Z",
              "last_status_change_date": "2025-08-16T09:33:23Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "BatonRouge",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2025015051",
            "price_change_percentage": null
          },
          {
            "date": "2025-08-15",
            "price": 0,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": null,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": "2 days",
            "source_listing_id": null,
            "price_change_percentage": null
          },
          {
            "date": "2025-08-13",
            "price": 150000,
            "listing": {
              "status": "off_market",
              "list_date": "2025-08-13T18:15:38Z",
              "list_price": 150000,
              "listing_id": "2985303541",
              "last_update_date": "2025-08-14T00:34:13Z",
              "last_status_change_date": "2025-08-16T09:33:23Z"
            },
            "event_name": "Listed",
            "price_sqft": 121.06537530266344,
            "source_name": "BatonRouge",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2025015051",
            "price_change_percentage": null
          },
          {
            "date": "1988-07-01",
            "price": 0,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": null,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": false
  },
  "property_id": "8961023564",
  "generated_at": "2026-03-27T01:51:40.945074Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 10.0,
    "overall_score": 82.4
  },
  "utility_allowance": {
    "zip_code": "70002",
    "home_photo": "https://ap.rdcpix.com/9fe82b3179d5a067a44d1cb4ec2d71efl-m3883085608s-w1280.jpg",
    "rent_price": 1696.0,
    "loan_amount": 199200.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/2920-Lake-Villa-Dr_Metairie_LA_70002_M89610-23564",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 249000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 15847.91,
    "mortgage_monthly": 1325.28,
    "payment_standard": 1983.0,
    "total_amount_out": 49800.0,
    "additional_photos": [
      "https://ap.rdcpix.com/9fe82b3179d5a067a44d1cb4ec2d71efl-m3593476934s-w1280.jpg",
      "https://ap.rdcpix.com/9fe82b3179d5a067a44d1cb4ec2d71efl-m1491722430s-w1280.jpg",
      "https://ap.rdcpix.com/9fe82b3179d5a067a44d1cb4ec2d71efl-m604925405s-w1280.jpg",
      "https://ap.rdcpix.com/9fe82b3179d5a067a44d1cb4ec2d71efl-m3660364007s-w1280.jpg",
      "https://ap.rdcpix.com/9fe82b3179d5a067a44d1cb4ec2d71efl-m3645771698s-w1280.jpg",
      "https://ap.rdcpix.com/9fe82b3179d5a067a44d1cb4ec2d71efl-m1885882195s-w1280.jpg",
      "https://ap.rdcpix.com/9fe82b3179d5a067a44d1cb4ec2d71efl-m3484881385s-w1280.jpg",
      "https://ap.rdcpix.com/9fe82b3179d5a067a44d1cb4ec2d71efl-m1064093777s-w1280.jpg",
      "https://ap.rdcpix.com/9fe82b3179d5a067a44d1cb4ec2d71efl-m762780783s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 71.58,
    "monthly_cash_flow": 1320.66,
    "property_tax_rate": null,
    "_utility_allowance": {
      "sources": [],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "Property has central heating and the utility details specify 'Gas: Natural'. Selected the 'natural_gas' option from the schedule.",
        "utility": "heating",
        "allowance": 70
      },
      {
        "note": "Property includes a Range/Oven and the utility details specify 'Gas: Natural'. Selected the 'natural_gas' option from the schedule.",
        "utility": "cooking",
        "allowance": 12
      },
      {
        "note": "Inferred as 'natural_gas' based on the presence of natural gas for other major appliances (heating and cooking).",
        "utility": "water_heating",
        "allowance": 24
      },
      {
        "note": "Standard fixed allowance for general electricity use such as lights, outlets, and non-specified appliances.",
        "utility": "other_electric",
        "allowance": 67
      },
      {
        "note": "Property utility details state 'Water Source: Public'. This is a fixed allowance from the schedule.",
        "utility": "water",
        "allowance": 43
      },
      {
        "note": "Property utility details state 'Sewer: City'. This is a fixed allowance from the schedule.",
        "utility": "sewer",
        "allowance": 46
      },
      {
        "note": "Standard municipal utility for a single-family home, included as a fixed allowance.",
        "utility": "trash_collection",
        "allowance": 25
      }
    ],
    "cash_on_cash_return": 0.32,
    "down_payment_amount": 49800.0,
    "property_tax_annual": 1609.89,
    "property_tax_monthly": 134.16,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 287.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://jphsdd.org/2025/01/17/payment-standards-update/",
        "https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
      ],
      "effective_date": "2025-01-01"
    },
    "property_tax_history_year": 2025,
    "annual_cash_flow_after_debt": -55.48,
    "property_management_monthly": 169.6,
    "monthly_cash_flow_after_debt": -4.62,
    "cash_on_cash_return_after_debt": 0.0
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This single-family property appears to be recently renovated and is largely rent-ready for a Housing Choice Voucher tenancy. Visible interior and exterior conditions indicate a turnkey unit with new roof, updated kitchen and appliances, fresh finishes, and sound exterior site work. Remaining verification items that could affect an official NSPIRE inspection include documented smoke and CO detectors, GFCI protection near wet areas, electrical panel condition, hot water availability, and lead-based paint disclosures (property built 1944). Addressing these verifications and installing/confirming required detectors will likely result in passing an initial HCV inspection with minimal additional repairs.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 88.0,
            "rationale": "Listing and photos show a recent full renovation: fresh paint, updated flooring, new kitchen cabinets, granite countertops, matching new stainless appliances, updated light fixtures, new driveway and fence. Interior finishes appear intact with no visible damage, stains, or peeling paint. Minor items that could require touch-ups (thresholds, possible caulking around tub/faucets, verification of exterior trim seal) are typical cosmetic items and are easy fixes. Missing major appliances are not an issue here because photos show refrigerator, range, and dishwasher."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 75.0,
            "rationale": "No obvious life-safety hazards in photos: no exposed wiring, no visible water intrusion or mold, entry steps have a handrail, windows appear intact and bedrooms show windows likely to meet egress. Ceiling looks sound with no sagging. However critical NSPIRE items are not visible in photos: smoke detectors and CO alarms are not shown (must be verified/installed), GFCI protection at kitchen sink is not clearly visible, electrical panel condition is unknown, and a pre-1978 build (1944) triggers lead-based paint risk that needs documentation. These unknown but important items reduce the score despite generally clean, safe visible conditions."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems / Mechanical",
            "score": 80.0,
            "rationale": "Listing states a new roof and photos show a sound roofline; ceiling HVAC vents and a ceiling fan are visible indicating a central HVAC system is present. Kitchen appliances are new and plumbing fixtures appear modern and intact. No visible water stains or evidence of active leaks. The electrical service, panel, hot water heater and drainage grading are not pictured so their condition is assumed but unverified — lowering the score from a full top rating. Overall systems appear recently updated but require verification of HVAC operation, hot water, and panel labeling."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 85.0,
            "rationale": "Exterior photos show new vinyl siding, intact foundation blockwork, new roofline, new wooden privacy fence and a new driveway. Walkway and sidewalk are even with no visible trip hazards. Yard is graded and there is a covered patio and storage shed noted in listing (shed visible). No signs of standing water, erosion, or pest infestation visible from provided exterior photos."
          }
        ],
        "red_flags": [
          "Potential lead-based paint risk — house built 1944 (requires disclosure and possible remediation if disturbed).",
          "Smoke detectors and carbon monoxide alarms not visible in photos — must confirm placement and operation prior to inspection.",
          "Electrical panel, service grounding, and GFCI protection near kitchen/bath not shown — verify condition to rule out electrical failure risk."
        ],
        "confidence": 0.75,
        "assumptions": [
          "Listing claims (new roof, brand-new appliances, full renovation) are accurate and reflect current condition.",
          "Central HVAC is present and operational (vent visible in living room); heating/cooling functionality assumed but not tested in photos.",
          "Plumbing and hot water are functioning as no water stains or evidence of leaks were visible.",
          "Windows in bedrooms meet egress requirements based on typical double-hung sizing visible in photos.",
          "No active roof leaks or hidden structural damage are present based on clean interior ceilings and exterior roof appearance.",
          "Electrical outlets are covered and there are no visible exposed conductors; however electrical panel and GFCI protection were not photographed and must be verified.",
          "Cosmetic items (caulking, minor threshold adjustments) are the only likely easily fixed items seen."
        ],
        "overall_score": 82.0,
        "rubric_version": "nsPIRE-v1-2026-03"
      },
      {
        "summary": "Property appears to be highly turnkey for Section 8 rental. Recent renovation, new roof, new appliances, updated kitchen and baths, intact exterior and site, and visible central HVAC vents indicate most NSPIRE concerns are addressed. Remaining inspection risks are mostly verification items not visible in photos (smoke/CO detectors, GFCI, electrical panel, water heater operation, and presence of a secure deadbolt on the entry). If those items are present and functional, the home is likely to pass an initial HCV inspection with only minor touch-ups.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 85.0,
            "rationale": "Listing and photos show a recent full renovation: fresh paint, updated flooring, granite counters, new cabinetry, new appliances, updated lighting, new driveway and fence, and a clean interior. No visible deferred maintenance, severe cosmetic damage, or flooring/drywall issues in photos. Minor exterior landscaping and small entry steps exist but are serviceable. Missing items that commonly affect move-in (washer/dryer not pictured) are not present in listing photos but are not required for an initial HCV inspection; their absence would be a modest downside only."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code compliance risk",
            "score": 78.0,
            "rationale": "Exterior and interior photos show secure-looking windows, intact stairs with rail, functioning kitchen and bathroom fixtures, no visible active leaks, and no signs of major mold, collapsed ceilings or structural sagging. Bedroom windows appear to provide egress. No exposed wiring or obvious electrical hazards are visible. However, smoke/CO detectors, GFCI outlets, and the electrical panel are not visible in the photos and must be confirmed on inspection. Entry door hardware (deadbolt) is not clearly visible. Because these are typical post-renovation omissions to verify, the score is slightly reduced for unknowns that could cause an inspection fail if absent."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems: roof, HVAC, plumbing, electrical, water heater",
            "score": 80.0,
            "rationale": "Listing states a 'new roof' and exterior photos show a roof in good visual condition. Ceiling vents visible in interior photos indicate central HVAC; no visible evidence of inoperable heating/cooling. Kitchen appliances (range, dishwasher, refrigerator) appear present and modern. Bathroom fixtures look good with a clean tub/shower surround. Electrical panel and water heater not shown, so functionality is assumed based on full renovation claim. Score reduced moderately to account for unseen mechanical components that must be confirmed (panel condition, water heater age/operation, HVAC startup)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 90.0,
            "rationale": "Photos show new or well-maintained siding, a clean masonry foundation, new wooden fence and gate, new driveway and sidewalks, and a level yard without standing water visible. Covered patio and storage shed are noted in listing (shed visible) and appear serviceable. No signs of major exterior neglect, foundation displacement, or significant drainage issues are visible from the provided photos."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "The listing's 'new roof' statement is accurate and the roof is watertight with no active leaks.",
          "Central HVAC is present and operational (ceiling vents visible), and will provide heat/AC during inspection.",
          "A functioning water heater is installed though not pictured.",
          "Smoke detectors and, where required, carbon monoxide detectors were installed during the renovation but are not visible in photos.",
          "GFCI protection is present in required locations (kitchen/bath) but not visible in photos.",
          "Electrical panel is intact and meets code; no exposed wiring exists beyond what is shown in photos.",
          "Entry door has a functional locking mechanism consistent with local code (deadbolt), or one can be installed quickly if missing.",
          "No hidden major issues (structural failure, severe mold, or active plumbing leaks) exist behind finished surfaces — inference based on thorough-looking renovation; if any severe hidden issues exist, score would be materially lower.",
          "Rental history data is missing and therefore excluded from scoring."
        ],
        "overall_score": 83.0,
        "rubric_version": "nsPIRE-v1.0-2026-03"
      },
      {
        "summary": "This house is largely turnkey for Section 8 tenancy based on photos and listing: fully renovated interior, new-looking roof, working-looking HVAC registers, and new kitchen appliances. The most likely NSPIRE inspection risks are missing or unverified smoke detectors (common immediate fail), unconfirmed GFCI protection in kitchen/bath, and lack of visible verification for the electrical panel and water heater. With a quick verification/install of detectors and a GFCI check, the property is likely rent-ready within 1–2 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 85.0,
            "rationale": "Property appears recently renovated with new roof claimed, fresh paint, new flooring, updated kitchen and new stainless appliances, solid-looking exterior siding and new driveway. Interior finishes (cabinets, counters, fixtures) look in good condition and there is no visible major cosmetic damage. Missing minor items to confirm (smoke/CO detectors, GFCI outlets) but those are low-effort fixes. Overall only minor touch-ups likely required."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 75.0,
            "rationale": "No visible life‑threatening hazards in photos: no exposed wiring, no collapsed ceilings, no standing water or visible severe mold. Bedrooms show windows that likely provide egress but exact sizes not measured. Entry has a secure door; steps include a metal handrail. Key safety items are not visible in photos: smoke detectors (required and commonly cause inspection failures) and CO detector (if applicable) are not shown. GFCI protection at kitchen/bath outlets is not confirmed. Electrical panel location and labeling not visible. These unknowns reduce score due to potential immediate NSPIRE failures if absent."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems & mechanical condition",
            "score": 80.0,
            "rationale": "Listing and photos show a recently replaced roof (shingles look in good condition) and ceiling HVAC vents are visible indicating central HVAC likely installed. Kitchen appliances and vent hood look new. No visible plumbing leaks, and bathroom fixtures look functional. Water heater and electrical panel are not pictured so their condition/age cannot be verified. Based on renovation claims and visible elements, major systems likely functional but verification needed on water heater, electrical panel labeling, and HVAC operation."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope & site condition",
            "score": 90.0,
            "rationale": "Exterior siding, gutters, foundation perimeter and roofline appear solid and well maintained. New fence, new driveway and a covered patio/shade lattice noted in listing/photos. Sidewalks are in good condition and yard grading appears adequate with downspouts present. No visible foundation settlement, severe erosion, standing water, or infestation evidence."
          }
        ],
        "red_flags": [
          "Smoke detectors not visible in photos — potential NSPIRE immediate fail if absent or improperly located.",
          "GFCI protection in kitchen and bathroom outlets not confirmed from images — failure risk.",
          "Electrical panel and water heater not shown/verified — major system condition unknown and should be inspected.",
          "Bedroom egress dimensions not verified in photos — must be measured to confirm compliance."
        ],
        "confidence": 0.74,
        "assumptions": [
          "Listing is accurate that roof was replaced and interior was recently renovated.",
          "Central HVAC is present and operational (ceiling vents visible) though function not tested in photos.",
          "Water heater and electrical panel are present and serviceable though not shown in photos.",
          "Kitchen appliances shown in photos are included with the unit and in working order.",
          "Windows shown in bedrooms meet egress size requirements; exact dimensions not measured.",
          "Front entry door has a functioning lock; deadbolt presence not visible but assumed standard.",
          "No concealed mold or plumbing leaks behind finished surfaces based on absence of visible stains or damage in photos."
        ],
        "overall_score": 82.0,
        "rubric_version": "2026-03-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "2920 Lake Villa Dr, Metairie, LA, 70002",
    "aggregate": {
      "summary": "This single-family property appears to be recently renovated and is largely rent-ready for a Housing Choice Voucher tenancy. Visible interior and exterior conditions indicate a turnkey unit with new roof, updated kitchen and appliances, fresh finishes, and sound exterior site work. Remaining verification items that could affect an official NSPIRE inspection include documented smoke and CO detectors, GFCI protection near wet areas, electrical panel condition, hot water availability, and lead-based paint disclosures (property built 1944). Addressing these verifications and installing/confirming required detectors will likely result in passing an initial HCV inspection with minimal additional repairs.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 86.0,
          "rationale": "Listing and photos show a recent full renovation: fresh paint, updated flooring, new kitchen cabinets, granite countertops, matching new stainless appliances, updated light fixtures, new driveway and fence. Interior finishes appear intact with no visible damage, stains, or peeling paint. Minor items that could require touch-ups (thresholds, possible caulking around tub/faucets, verification of exterior trim seal) are typical cosmetic items and are easy fixes. Missing major appliances are not an issue here because photos show refrigerator, range, and dishwasher."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 88.3,
          "rationale": "Exterior photos show new vinyl siding, intact foundation blockwork, new roofline, new wooden privacy fence and a new driveway. Walkway and sidewalk are even with no visible trip hazards. Yard is graded and there is a covered patio and storage shed noted in listing (shed visible). No signs of standing water, erosion, or pest infestation visible from provided exterior photos."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Compliance Risk",
          "score": 76.0,
          "rationale": "No obvious life-safety hazards in photos: no exposed wiring, no visible water intrusion or mold, entry steps have a handrail, windows appear intact and bedrooms show windows likely to meet egress. Ceiling looks sound with no sagging. However critical NSPIRE items are not visible in photos: smoke detectors and CO alarms are not shown (must be verified/installed), GFCI protection at kitchen sink is not clearly visible, electrical panel condition is unknown, and a pre-1978 build (1944) triggers lead-based paint risk that needs documentation. These unknown but important items reduce the score despite generally clean, safe visible conditions."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems / Mechanical",
          "score": 80.0,
          "rationale": "Listing states a new roof and photos show a sound roofline; ceiling HVAC vents and a ceiling fan are visible indicating a central HVAC system is present. Kitchen appliances are new and plumbing fixtures appear modern and intact. No visible water stains or evidence of active leaks. The electrical service, panel, hot water heater and drainage grading are not pictured so their condition is assumed but unverified — lowering the score from a full top rating. Overall systems appear recently updated but require verification of HVAC operation, hot water, and panel labeling."
        }
      ],
      "red_flags": [
        "Potential lead-based paint risk — house built 1944 (requires disclosure and possible remediation if disturbed).",
        "Smoke detectors and carbon monoxide alarms not visible in photos — must confirm placement and operation prior to inspection.",
        "Electrical panel, service grounding, and GFCI protection near kitchen/bath not shown — verify condition to rule out electrical failure risk."
      ],
      "confidence": 0.95,
      "assumptions": [
        "Listing claims (new roof, brand-new appliances, full renovation) are accurate and reflect current condition.",
        "Central HVAC is present and operational (vent visible in living room); heating/cooling functionality assumed but not tested in photos.",
        "Plumbing and hot water are functioning as no water stains or evidence of leaks were visible.",
        "Windows in bedrooms meet egress requirements based on typical double-hung sizing visible in photos.",
        "No active roof leaks or hidden structural damage are present based on clean interior ceilings and exterior roof appearance.",
        "Electrical outlets are covered and there are no visible exposed conductors; however electrical panel and GFCI protection were not photographed and must be verified.",
        "Cosmetic items (caulking, minor threshold adjustments) are the only likely easily fixed items seen."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 82.4,
      "rubric_version": "nsPIRE-v1-2026-03",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8961023564"
  }
}

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