Property ID: 8969595801

311 2nd Ave, Mulga, AL, 35118

Mulga, AL

For Sale Feb 16, 2026 02:09 AM UTC Realtor Zillow Street View
Money Down: $9,576 CoC Return: 91.68% Monthly Cash Flow: $732
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$7,980
Closing Costs
$1,596
Total Down
$9,576
Primary property image

Investment Snapshot

Purchase Price
$39,900
Money Down
$9,576
Cash-on-Cash Return
91.68%
Rent
$1,103
Monthly Cash Flow
$732
Annual Cash Flow
$8,779
Debt Service / Mo
$212
Property Tax / Mo
$16
Insurance / Mo
$33

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,103
Payment Standard
$1,474
Rent
$1,103
Insurance
$33
Property Tax
$16
Management
$110
Utilities Allowance
$371
NOI (Monthly)
$944
Debt Service
$212
Cash Flow After Debt
$732

Quality Score: 66.60%

Confidence: 94.00%

Based on interior photos and the listing, this 3-bed, 1-bath single-family looks mostly updated cosmetically and shows a functional bathroom and water heater. Major visible issues are limited to small cosmetic repairs, some finish gaps, and absence of shown kitchen appliances. Key inspection risks that need verification before a Housing Choice Voucher/NSPIRE inspection are properly located smoke and CO detectors, GFCI protection in wet areas, safe/approved installation and venting of the gas wall heater, and electrical panel condition/clearance. If those systems are confirmed and kitchen appliances supplied, the property is likely to pass with only minor fixes; if GFCI/smoke/venting issues exist, additional repairs will be required prior to passing.

Section 8 Payment Standard
$1,474
Utility Allowance Total
$371
Guaranteed Section 8 Rent (PS - Utilities)
$1,103
Property Management
$110

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$39,900
Beds
3
Baths
1
Living Area
1,064 sqft
Lot Size
7,405 sqft
Year Built
1935
Days on Market
6
Capital Outlay
$9,576
Debt Service
$212
Property Tax / Mo
$16
Insurance / Mo
$33

Property Description

Welcome to this charming 3-bedroom home in Mulga, offering comfortable one-level living with a functional layout and easy upkeep. The home features a spacious living area, a well-arranged kitchen, and three bedrooms all on the main floor. Located in a quiet area with off-street parking and low annual taxes, this property is ideal for first-time buyers, downsizers, or investors seeking a solid rental opportunity. No HOA and no additional municipal fees. Convenient access to schools, local amenities, and major routes.

Utility Allowances

Heating
$49
Property has central heating fueled by Natural Gas. The 'N'Gas: Mulga' schedule was selected based on property location.
Cooling
$22
Property has electric central air conditioning. The 'A/C: Alabama Power' schedule was selected as it is the most common provider and the more expensive option.
Cooking
$21
Property has an electric stove. The 'Elec: Ala Power' schedule was selected as the most likely provider.
Water Heating
$56
Property has an electric water heater. The 'Elec: Ala Power' schedule was selected as the most likely provider.
Other Electric
$68
Covers general tenant electric usage (lights, etc.). Selected 'Lights, Ref, Etc.: Ala Power' as the most likely provider.
Water
$129
Property uses public water. The 'Water: Mulga' schedule was selected based on the property's specific location.
Sewer
$0
Property uses a private septic tank as stated in the listing, so no public sewer utility cost is incurred by the tenant.
Trash Collection
$20
Selected 'Mulga ISCL' line item from the schedule, as the property is located within the city of Mulga.
Refrigerator
$0
The refrigerator is listed as a provided appliance, so no allowance for a tenant-owned unit is included.
Range/Microwave
$6
A microwave is not listed as a provided appliance; therefore, an allowance for a tenant-owned unit 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 Quote
DP1 Annual Estimate$281
DP3 Annual Estimate$500
DP1 Monthly Equivalent$23
DP3 Monthly Equivalent$42
Replacement Value$16,300
Basis1,064 sqft / 1935

Nearby Houses

Nearby house 1
Photo unavailable

410 3rd Ave

sold · 0.10 mi
Price: $217,000
3 bd / 4 ba · 3,208 sqft
Latest sale: $217,000 on Mar 07, 2022
Latest rent: —
Nearby house 2
Photo unavailable

222 1st Ave

off_market · 0.13 mi
Price: $29,900
2 bd / 1 ba · 1,192 sqft
Latest sale: $50,000
Latest rent: —
Nearby house 3
Photo unavailable

305 Walnut St

sold · 0.19 mi
Price: $101,900
3 bd / 1 ba · 1,181 sqft
Latest sale: $101,900 on Mar 31, 2021
Latest rent: $900 on Feb 15, 2021
Nearby house 4
Photo unavailable

420 Mulga Loop Rd

sold · 0.22 mi
Price: $135,000
3 bd / 2 ba · 1,775 sqft
Latest sale: $135,000 on Mar 18, 2024
Latest rent: $1,000 on Feb 25, 2022
Nearby house 5
Photo unavailable

401 Mulga Loop Rd

sold · 0.25 mi
Price: $79,900
3 bd / 2 ba · 1,064 sqft
Latest sale: $79,900 on Apr 18, 2025
Latest rent: $940 on Sep 24, 2021
Nearby house 6
Photo unavailable

608 Mulga Loop Rd

off_market · 0.25 mi
Price: $59,500
2 bd / 1 ba · 1,099 sqft
Latest sale: —
Latest rent: —
Nearby house 7
Photo unavailable

103 1st Ave

sold · 0.26 mi
Price: $93,000
2 bd / 1 ba · 1,004 sqft
Latest sale: $93,000 on Aug 05, 2021
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success
  • No clearly visible smoke detectors in sleeping/living areas (potential NSPIRE failure).
  • No visible GFCI outlet at bathroom/kitchen wet areas (likely code/inspection issue).
  • Gas wall-mounted heater located in a bedroom — requires verification of proper installation, clearance and venting.
  • Electrical panel located adjacent to bathroom area — panel accessibility, cover security and labeling require verification.
  • No evidence of central cooling; if local program requires cooling or tenant-requested A/C, absence may be an issue for habitability/comfort.

Assumptions

  • Exterior condition, roof, foundation and drainage were not provided; assumed average for a 1935 house with recent interior updates.
  • No central HVAC/AC units were visible in photos; heating is assumed to be the wall-mounted gas heater shown, cooling assumed to be absent or via window units (not shown).
  • Kitchen appliances (stove, refrigerator) are not visible in photos and are assumed missing or not pictured; missing appliances are treated as capital/turnkey items rather than immediate safety failures.
  • Smoke and carbon monoxide alarms, GFCI protection, and detailed electrical panel condition were not clearly visible; the analysis assumes at least one of these may be missing or not code-compliant based on photo evidence.
  • No signs of active leaks, major mold, or structural collapse were visible in interior photos; property condition inferred from images and listing statements.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $189 $18,800 $3,540
2023 $189 $16,600 $3,320
2018 $123 $10,800 $2,160
2017 $123 $10,800 $2,160
2016 $123 $10,800 $2,160
2015 $123 $10,800 $2,160
2013 $137 $10,700 $2,140
2012 $137 $10,700 $2,140
2011 $138 $10,800 $2,160
2010 $138 $10,800 $2,160
2009 $138 $10,800 $2,160
2008 $148 $11,700 $2,340
2007 $139 $10,900 $2,180

Sale History

DateEventPrice
2026-02-10 Listed $39,900
2023-10-16 Sold $40,000

Photo Gallery

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              "County: Jefferson",
              "Directions: Start on I-20/I-59, take Exit 119A to Lloyd Noland Pkwy. Turn right, then left onto Valley Rd. Continue several miles, turn right on Pleasant Grove Rd. Enter Mulga, turn left on 2nd Ave. Continue to 311 2nd Ave on the right.",
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              "Area: Mulga, Wylam",
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              "Year Built: 1935",
              "Construction Materials: 4 Sides Brick",
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              "Levels: 1-Story",
              "Living Area Source: Per Tax Report",
              "Property Age: 91",
              "Levels or Stories: 1-Story",
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              "Total Area Upper: 0",
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      "https://ap.rdcpix.com/fe7a4a905e3a315872f9fa801e427db9l-m26250925s-w1280.jpg",
      "https://ap.rdcpix.com/fe7a4a905e3a315872f9fa801e427db9l-m2275764263s-w1280.jpg",
      "https://ap.rdcpix.com/fe7a4a905e3a315872f9fa801e427db9l-m1600923344s-w1280.jpg",
      "https://ap.rdcpix.com/fe7a4a905e3a315872f9fa801e427db9l-m1559761563s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 32.54,
    "monthly_cash_flow": 943.94,
    "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 heating fueled by Natural Gas. The 'N'Gas: Mulga' schedule was selected based on property location.",
        "utility": "Heating",
        "allowance": 49
      },
      {
        "note": "Property has electric central air conditioning. The 'A/C: Alabama Power' schedule was selected as it is the most common provider and the more expensive option.",
        "utility": "Cooling",
        "allowance": 22
      },
      {
        "note": "Property has an electric stove. The 'Elec: Ala Power' schedule was selected as the most likely provider.",
        "utility": "Cooking",
        "allowance": 21
      },
      {
        "note": "Property has an electric water heater. The 'Elec: Ala Power' schedule was selected as the most likely provider.",
        "utility": "Water Heating",
        "allowance": 56
      },
      {
        "note": "Covers general tenant electric usage (lights, etc.). Selected 'Lights, Ref, Etc.: Ala Power' as the most likely provider.",
        "utility": "Other Electric",
        "allowance": 68
      },
      {
        "note": "Property uses public water. The 'Water: Mulga' schedule was selected based on the property's specific location.",
        "utility": "Water",
        "allowance": 129
      },
      {
        "note": "Property uses a private septic tank as stated in the listing, so no public sewer utility cost is incurred by the tenant.",
        "utility": "Sewer",
        "allowance": 0
      },
      {
        "note": "Selected 'Mulga ISCL' line item from the schedule, as the property is located within the city of Mulga.",
        "utility": "Trash Collection",
        "allowance": 20
      },
      {
        "note": "The refrigerator is listed as a provided appliance, so no allowance for a tenant-owned unit is included.",
        "utility": "Refrigerator",
        "allowance": 0
      },
      {
        "note": "A microwave is not listed as a provided appliance; therefore, an allowance for a tenant-owned unit is included.",
        "utility": "Range/Microwave",
        "allowance": 6
      }
    ],
    "cash_on_cash_return": 1.42,
    "down_payment_amount": 7980.0,
    "property_tax_annual": 194.67,
    "property_tax_monthly": 16.22,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 371.0,
    "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": 8778.86,
    "property_management_monthly": 110.3,
    "monthly_cash_flow_after_debt": 731.57,
    "cash_on_cash_return_after_debt": 1.1
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Based on interior photos and the listing, this 3-bed, 1-bath single-family looks mostly updated cosmetically and shows a functional bathroom and water heater. Major visible issues are limited to small cosmetic repairs, some finish gaps, and absence of shown kitchen appliances. Key inspection risks that need verification before a Housing Choice Voucher/NSPIRE inspection are properly located smoke and CO detectors, GFCI protection in wet areas, safe/approved installation and venting of the gas wall heater, and electrical panel condition/clearance. If those systems are confirmed and kitchen appliances supplied, the property is likely to pass with only minor fixes; if GFCI/smoke/venting issues exist, additional repairs will be required prior to passing.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible Condition and Repairs",
            "score": 72.0,
            "rationale": "Interior photos show recently installed vinyl plank flooring, painted walls and trim, and a renovated-looking bathroom (new vanity, toilet). Minor cosmetic defects visible: gaps/seams in flooring in a few places, scuffed trim, bent/missing blind slat(s), and small trim gaps at thresholds. No obvious collapsed surfaces or major water damage in photos. No kitchen appliances are shown (stove/refrigerator not visible) — missing appliances moderatey reduce readiness but are typically a capital/turnkey fix. Overall condition appears cosmetically updated and serviceable with light touch-ups and likely installation of missing kitchen appliances."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE Safety & Code Risk",
            "score": 60.0,
            "rationale": "Some safety items are unclear or not shown. Positives: bathroom fixtures appear functional and a water heater is visible. Concerns observed or not verifiable: no clearly visible smoke detectors in bedroom/living areas (one wall device is visible in photos but not clearly a properly located smoke alarm); no visible carbon monoxide alarm; bathroom outlets do not show GFCI protection (GFCI not evident at sink/near tub); electrical panel is present in a small hallway/adjacent to bathroom area which needs verification of cover security and accessibility; a gas wall heater is mounted in a bedroom which requires correct installation, clearance, and venting verification. Egress windows appear present in bedrooms but sizes/clearances cannot be confirmed from photos. No active leaks, collapsed ceilings, or visible severe mold were observed. These unknowns and the likely missing GFCI/smoke devices create moderate inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Water Heater)",
            "score": 65.0,
            "rationale": "Photos show a tank water heater (appears installed in kitchen area) and functioning plumbing fixtures in bathroom; plumbing fixtures look recently updated. Electrical panel is present (older metal style) but its labeling, trip functionality and clearance are unverified. No central HVAC unit or floor/ceiling vents are visible; heating appears to be via wall-mounted gas heater (visible in a bedroom photo). Presence/functionality of cooling (AC) is unknown and could be a tenant comfort/inspection issue depending on local requirements. Roof, foundation and drainage were not viewable. Given visible water heater and apparent recent plumbing work, systems are probably functional but require verification by a technician (electrical labeling/GFCI, heater venting, and presence of cooling)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior Envelope and Site Condition",
            "score": 70.0,
            "rationale": "No exterior photos were provided. Listing text mentions off-street parking and no HOA; property is a single-story 1935 house. Interior updates suggest owner investment, so exterior is assumed average to fair condition. Without exterior evidence, assume typical wear for an older house (possible need for painting, gutter/roof inspection, and walk/driveway repair if required). No visible evidence of yard hazards, standing water, major foundation distress or infestation from provided imagery."
          }
        ],
        "red_flags": [
          "No clearly visible smoke detectors in sleeping/living areas (potential NSPIRE failure).",
          "No visible GFCI outlet at bathroom/kitchen wet areas (likely code/inspection issue).",
          "Gas wall-mounted heater located in a bedroom — requires verification of proper installation, clearance and venting.",
          "Electrical panel located adjacent to bathroom area — panel accessibility, cover security and labeling require verification.",
          "No evidence of central cooling; if local program requires cooling or tenant-requested A/C, absence may be an issue for habitability/comfort."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Exterior condition, roof, foundation and drainage were not provided; assumed average for a 1935 house with recent interior updates.",
          "No central HVAC/AC units were visible in photos; heating is assumed to be the wall-mounted gas heater shown, cooling assumed to be absent or via window units (not shown).",
          "Kitchen appliances (stove, refrigerator) are not visible in photos and are assumed missing or not pictured; missing appliances are treated as capital/turnkey items rather than immediate safety failures.",
          "Smoke and carbon monoxide alarms, GFCI protection, and detailed electrical panel condition were not clearly visible; the analysis assumes at least one of these may be missing or not code-compliant based on photo evidence.",
          "No signs of active leaks, major mold, or structural collapse were visible in interior photos; property condition inferred from images and listing statements."
        ],
        "overall_score": 67.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Interior is cosmetically updated and generally clean with new-looking flooring and a renovated bathroom, making the unit close to rent-ready. However there are moderate NSPIRE risks: unclear presence/placement of required smoke/CO alarms, likely missing bathroom GFCI protection (or at least not visible), an electrical panel located adjacent to a wet area, and no clear central HVAC shown. Appliances (stove/refrigerator) are not pictured and will need to be provided or noted. With targeted safety upgrades (install/verify smoke & CO alarms, install/verify GFCI protection, certify gas heater and water heater venting, address minor finish items) the property would likely pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior appears recently updated cosmetically: new/like-new luxury vinyl plank floors, painted walls, new bathroom vanity and fixtures. Minor finish issues visible: baseboard/threshold gaps, some window blind damage, vinyl plank seams not perfectly tight in places. No severe visible damage (no collapsed ceilings, major staining, or large holes). Appliances (stove/refrigerator) are not shown — missing appliances reduce score moderately but are not a catastrophic failure. Overall requires light-to-moderate cosmetic finishing and appliance installation."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk",
            "score": 60.0,
            "rationale": "Mixed signals for NSPIRE safety items. Smoke/CO alarm presence is unclear — a small white wall device is visible but cannot be positively identified as a smoke detector and ceiling-mounted alarms are not clearly shown in bedrooms/living. Bathroom shows standard fixtures and a window, but I do not see a GFCI-protected receptacle at the vanity; the bathroom outlet appears to be a standard receptacle which is an NSPIRE/GFCI deficiency unless protection is provided at the breaker (not visible). An electrical panel is located adjacent to the bathroom entrance (panel cover present), which raises concern about proximity to wet areas and GFCI protection. A gas wall heater and exposed flexible gas connector are visible and appear properly installed but should be serviced/certified. No visible active leaks, mold, or collapsed structures in the photos. Egress windows appear present in bedrooms but net opening size cannot be confirmed from photos. Because of the ambiguous status of alarms, GFCI protection, and panel location, there is a moderate inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 65.0,
            "rationale": "Water heater is present and appears recently installed; visible plumbing fixtures (toilet, sink, tub) look functional. Heating is provided by at least one gas wall heater visible in a bedroom; no central HVAC (air handler/AC condenser) is visible in photos — absence of central AC is not necessarily an automatic fail but should be verified for tenant comfort and local code. Electrical service uses a conventional panel (older style) — condition of breakers and grounding cannot be confirmed from photos. No visible major plumbing leaks, roof leaks, or structural system failures in interior shots. Overall systems look operable but require verification (GFCI, smoke/CO, HVAC status, water heater venting and gas appliance certification)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "No exterior photos were provided. Listing text references off-street parking and a quiet location; property is an older single-family home (1935). Because the interior shows recent cosmetic updates and no clear evidence of exterior-related distress (no interior water stains, no foundation cracking visible inside), I assume the exterior envelope and site are in fair condition but uninspected. Typical exterior maintenance (siding, roof, gutters, drainage) must be verified on-site. Given the lack of exterior evidence of severe neglect, a middling score is assigned."
          }
        ],
        "red_flags": [
          "Possible electrical hazard / GFCI deficiency in bathroom (no visible GFCI receptacle).",
          "Electrical panel located immediately adjacent to bathroom — potential code conflict and safety concern without verification of proper protection.",
          "Unclear/insufficient evidence of functioning smoke and carbon monoxide alarms in required locations.",
          "No central HVAC visible (heating appears to be via gas wall heater) — verify adequate heating for entire unit and provide cooling if required by local habitability standards."
        ],
        "confidence": 0.6,
        "assumptions": [
          "No exterior photos were provided; exterior condition and roof condition are assumed fair because interior shows no water staining or structural distress.",
          "Windows in bedrooms provide legal egress or are close to code; exact net clear opening sizes and operability were not verifiable from photos.",
          "The small white device on a wall may be an alarm (smoke/CO) but cannot be confirmed as meeting placement and power/source requirements — assume alarms need verification or installation.",
          "Bathroom GFCI protection is not visible; assume GFCI is not present and will need correction unless protected at the panel.",
          "No kitchen appliances are visible in the photos; assume stove/fridge are not present or not pictured and will need to be confirmed/installed prior to tenancy.",
          "Gas wall heater is assumed operational but requires certification/inspection for safe operation and venting.",
          "Electrical panel condition (service size, grounding, AFCI/GFCI breakers) cannot be fully assessed from photos and requires on-site electrical inspection."
        ],
        "overall_score": 68.0,
        "rubric_version": "nsPIRE-v1.0-2026-02"
      },
      {
        "summary": "This 3-bed, 1-bath single-family appears cosmetically updated and largely serviceable for Section 8 tenancy after minor repairs. The property shows new-looking flooring, painted walls, functioning plumbing fixtures and a water heater. Primary inspection risks are code/safety-related: confirm presence of carbon monoxide alarm (required with gas appliances), replace or retrofit bathroom and nearby kitchen outlets with GFCI protection, and verify the gas wall heater installation/clearances and the electrical panel location relative to wet areas. Appliances (stove/refrigerator) are not shown and should be provided or disclosed. With targeted corrections (GFCI, CO alarm, verify heater & panel) and confirmation of hot water/heating operation, property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Interior appears recently refreshed: new-looking vinyl plank flooring, painted walls, intact baseboards, updated vanity and fixtures in bathroom. Minor cosmetic defects visible — window blinds damaged, small gaps or lifting at some planks, scuffed trim/paint. Closet and doors present and functional. No evidence of collapsed ceilings or major water damage. Kitchen appliances are not shown; cabinets and counters visible but stove/refrigerator not pictured — missing appliances reduce turnkey readiness moderately. Overall mostly cosmetic/finish repairs required."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 55.0,
            "rationale": "Some safety items observed that create inspection risk: a small alarm device is visible (likely smoke alarm) but carbon monoxide alarm is not visible — CO alarm is required where fuel-burning appliances exist. A standard receptacle is visible in the tiled bath area and does not appear to be a GFCI-protected outlet — bathrooms require GFCI protection. The electric panel is visible adjacent to the bathroom; while it has a cover, its exact location relative to wet locations needs confirmation. A gas-fired wall heater and exposed gas flex connection are mounted inside a bedroom — heater is a heat source but will need verification for proper installation, venting and clearance. Bedroom windows are present and appear operable but egress size cannot be fully confirmed from photos. No visible active leaks, major mold, exposed live wiring, collapsed structure, or missing handrails were seen."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC / Electrical / Plumbing / Water Heater)",
            "score": 65.0,
            "rationale": "Major systems are present: water heater (with venting) visible in kitchen area and a gas wall heater is present for space heating. Plumbing fixtures (toilet, sink, tub/shower) appear installed and in apparently good condition. Electrical panel is present and intact in photos, but panel age and breaker labeling unknown. No central HVAC equipment is visible (likely no central forced-air A/C shown) — central AC is not required by HCV but absence affects marketability. Because mechanicals are observable but not fully verifiable from photos, moderate score assigned; on-site functional testing and electrician/HVAC check recommended."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "No exterior photos provided. Listing notes off-street parking and quiet neighborhood; interior condition suggests recent cosmetic updates and general maintenance. No visible signs of major exterior neglect, grading or drainage issues can be confirmed from provided materials. Without exterior images a conservative mid-high score is used; final inspection should confirm roof condition, gutters, foundation exposure, walkways and yard safety."
          }
        ],
        "red_flags": [
          "No carbon monoxide alarm visible despite presence of gas-fired appliances (required).",
          "Bathroom receptacle appears non-GFCI — bathrooms require GFCI protection (electrical hazard).",
          "Gas wall heater located inside a bedroom — requires verification of proper installation, venting and clearance.",
          "Electrical panel positioned immediately adjacent to bathroom area — verify dry location, labeling and code compliance.",
          "Appliances (stove/refrigerator) not shown; missing appliances will impede immediate move-in and should be provided or disclosed."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Exterior condition, roof, foundation and drainage could not be inspected; listing statement (off-street parking, quiet area) is assumed accurate and no severe exterior deterioration is present.",
          "Smoke alarm visible in photos is assumed functional; carbon monoxide alarm is not visible and is assumed missing.",
          "Kitchen appliances (stove and refrigerator) are not shown; assume they are not included or were removed — this reduces turnkey readiness but is not an immediate safety fail.",
          "No evidence of active roof leaks, severe mold, or major structural movement was observed in interior photos; assume none present but recommend confirmatory inspection.",
          "Bedroom windows are assumed operable and provide egress but exact sizing cannot be confirmed from photos.",
          "Water heater and gas piping appear installed and operational but no functional testing was possible; assume operable until tested."
        ],
        "overall_score": 65.0,
        "rubric_version": "nsPIRE-v1-photo-assessment-2026-02"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "311 2nd Ave, Mulga, AL, 35118",
    "aggregate": {
      "summary": "Based on interior photos and the listing, this 3-bed, 1-bath single-family looks mostly updated cosmetically and shows a functional bathroom and water heater. Major visible issues are limited to small cosmetic repairs, some finish gaps, and absence of shown kitchen appliances. Key inspection risks that need verification before a Housing Choice Voucher/NSPIRE inspection are properly located smoke and CO detectors, GFCI protection in wet areas, safe/approved installation and venting of the gas wall heater, and electrical panel condition/clearance. If those systems are confirmed and kitchen appliances supplied, the property is likely to pass with only minor fixes; if GFCI/smoke/venting issues exist, additional repairs will be required prior to passing.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Visible Condition and Repairs",
          "score": 72.3,
          "rationale": "Interior photos show recently installed vinyl plank flooring, painted walls and trim, and a renovated-looking bathroom (new vanity, toilet). Minor cosmetic defects visible: gaps/seams in flooring in a few places, scuffed trim, bent/missing blind slat(s), and small trim gaps at thresholds. No obvious collapsed surfaces or major water damage in photos. No kitchen appliances are shown (stove/refrigerator not visible) — missing appliances moderatey reduce readiness but are typically a capital/turnkey fix. Overall condition appears cosmetically updated and serviceable with light touch-ups and likely installation of missing kitchen appliances."
        },
        {
          "key": "exterior_site",
          "label": "Exterior Envelope and Site Condition",
          "score": 70.0,
          "rationale": "No exterior photos were provided. Listing text mentions off-street parking and no HOA; property is a single-story 1935 house. Interior updates suggest owner investment, so exterior is assumed average to fair condition. Without exterior evidence, assume typical wear for an older house (possible need for painting, gutter/roof inspection, and walk/driveway repair if required). No visible evidence of yard hazards, standing water, major foundation distress or infestation from provided imagery."
        },
        {
          "key": "safety_code",
          "label": "Section 8 / NSPIRE Safety & Code Risk",
          "score": 58.3,
          "rationale": "Some safety items are unclear or not shown. Positives: bathroom fixtures appear functional and a water heater is visible. Concerns observed or not verifiable: no clearly visible smoke detectors in bedroom/living areas (one wall device is visible in photos but not clearly a properly located smoke alarm); no visible carbon monoxide alarm; bathroom outlets do not show GFCI protection (GFCI not evident at sink/near tub); electrical panel is present in a small hallway/adjacent to bathroom area which needs verification of cover security and accessibility; a gas wall heater is mounted in a bedroom which requires correct installation, clearance, and venting verification. Egress windows appear present in bedrooms but sizes/clearances cannot be confirmed from photos. No active leaks, collapsed ceilings, or visible severe mold were observed. These unknowns and the likely missing GFCI/smoke devices create moderate inspection risk."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (HVAC, Electrical, Plumbing, Water Heater)",
          "score": 65.0,
          "rationale": "Photos show a tank water heater (appears installed in kitchen area) and functioning plumbing fixtures in bathroom; plumbing fixtures look recently updated. Electrical panel is present (older metal style) but its labeling, trip functionality and clearance are unverified. No central HVAC unit or floor/ceiling vents are visible; heating appears to be via wall-mounted gas heater (visible in a bedroom photo). Presence/functionality of cooling (AC) is unknown and could be a tenant comfort/inspection issue depending on local requirements. Roof, foundation and drainage were not viewable. Given visible water heater and apparent recent plumbing work, systems are probably functional but require verification by a technician (electrical labeling/GFCI, heater venting, and presence of cooling)."
        }
      ],
      "red_flags": [
        "No clearly visible smoke detectors in sleeping/living areas (potential NSPIRE failure).",
        "No visible GFCI outlet at bathroom/kitchen wet areas (likely code/inspection issue).",
        "Gas wall-mounted heater located in a bedroom — requires verification of proper installation, clearance and venting.",
        "Electrical panel located adjacent to bathroom area — panel accessibility, cover security and labeling require verification.",
        "No evidence of central cooling; if local program requires cooling or tenant-requested A/C, absence may be an issue for habitability/comfort."
      ],
      "confidence": 0.94,
      "assumptions": [
        "Exterior condition, roof, foundation and drainage were not provided; assumed average for a 1935 house with recent interior updates.",
        "No central HVAC/AC units were visible in photos; heating is assumed to be the wall-mounted gas heater shown, cooling assumed to be absent or via window units (not shown).",
        "Kitchen appliances (stove, refrigerator) are not visible in photos and are assumed missing or not pictured; missing appliances are treated as capital/turnkey items rather than immediate safety failures.",
        "Smoke and carbon monoxide alarms, GFCI protection, and detailed electrical panel condition were not clearly visible; the analysis assumes at least one of these may be missing or not code-compliant based on photo evidence.",
        "No signs of active leaks, major mold, or structural collapse were visible in interior photos; property condition inferred from images and listing statements."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 66.6,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8969595801"
  }
}

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