Property ID: 8969692008
305 Layman St, Westwego, LA, 70094
Westwego, LA
Money Down: $42,000
CoC Return: 16.61%
Monthly Cash Flow: $581
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,000
Closing Costs
$7,000
Total Down
$42,000
Investment Snapshot
Purchase Price
$175,000
Money Down
$42,000
Cash-on-Cash Return
16.61%
Rent
$1,972
Monthly Cash Flow
$581
Annual Cash Flow
$6,975
Debt Service / Mo
$931
Property Tax / Mo
$156
Insurance / Mo
$106
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,972
Payment Standard
$2,328
Rent
$1,972
Insurance
$106
Property Tax
$156
Management
$197
Utilities Allowance
$356
NOI (Monthly)
$1,513
Debt Service
$931
Cash Flow After Debt
$581
Quality Score: 85.40%
Confidence: 95.00%
Property appears largely turnkey following a recent full renovation. Interiors, kitchen appliances, windows, flooring and HVAC distribution are present and in apparent good condition. The largest remaining verification risks for a Section 8 / NSPIRE inspection are confirmation of properly located smoke and CO detectors, GFCI protection in kitchen/baths, presence/condition of the water heater and electrical panel, and a confirmed deadbolt on the entry door. Absent any hidden major system failures, the home is likely to pass an initial inspection after quick verification/installation of required detectors and GFCI outlets.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$356
Guaranteed Section 8 Rent (PS - Utilities)
$1,972
Property Management
$197
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$175,000
Beds
4
Baths
2
Living Area
1,357 sqft
Lot Size
—
Year Built
1900
Days on Market
112
Capital Outlay
$42,000
Debt Service
$931
Property Tax / Mo
$156
Insurance / Mo
$106
Property Description
Let's Turn Some Keys, Baby...... Your newly renovated home features new interior and exterior AC units, updated electrical wiring, new flooring throughout, modern cabinetry, stainless steel appliances, and new windows. Located in Flood Zone X with a newly installed perimeter drainage system, all in the heart of Westwego with convenient access to local amenities,
Utility Allowances
Cooking
$14
Property information explicitly states 'Gas: Natural'.
Heating
$79
Property information lists 'Heating Features: Central' and 'Gas: Natural'.
Water Heating
$57
The water heater's fuel type is not specified. Although natural gas is available, the more expensive common option (electric) was chosen per instructions for handling ambiguity.
Other Electric
$77
This is the standard allowance for lights, general appliances, and the central air fan in a home with electric service.
Water
$50
Property information explicitly states 'Water Source: Public'.
Sewer
$54
Property information explicitly states 'Sewer: City'.
Trash Collection
$25
Trash collection is a standard, essential utility for a single-family home and is assumed to be a tenant responsibility.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,269
DP3 Annual Estimate$1,269
DP1 Monthly Equivalent$106
DP3 Monthly Equivalent$106
Replacement Value$56,200
Basis1,357 sqft / 1900
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321 Travis Dr
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218 Mission Ct Lot 58
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213 Travis Dr
off_market · 0.16 mi
Price: $179,999
3 bd / 2 ba · 1,217 sqft
Latest sale: — on Apr 18, 2019
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108 Mallard Dr
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Price: $149,900
— bd / — ba
Latest sale: — on Sep 25, 2025
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Price: $188,800
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116 Southern Ct
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Price: $170,000
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Latest sale: —
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off_market · 0.21 mi
Price: $1,600
4 bd / 2 ba
Latest sale: —
Latest rent: —
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404 Federal Dr
for_sale · 0.22 mi
Price: $150,000
4 bd / 2 ba · 1,327 sqft
Latest sale: — on Dec 13, 2019
Latest rent: $1,200 on Sep 03, 2019
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that electrical wiring was updated is accurate and the main electrical panel is intact and code-compliant.
- New interior and exterior AC units are installed and operational; thermostat and return vent in photos indicate functioning HVAC distribution.
- Water heater exists and is functioning though not visible in photos.
- Bedrooms' windows meet egress size requirements based on typical new window installations shown; no basement egress issues (property is single-story).
- Kitchen and bathroom outlets will include GFCI where required or will be made compliant prior to tenancy; not visible in images.
- Smoke detectors and carbon monoxide alarms are not visible in photos but are assumed not guaranteed — tenant-ready condition requires confirmation/installation.
- Front entry has at least a functioning locked knob; presence of a deadbolt could not be confirmed from photos and may need verification/installation.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,822 | $68,300 | $6,830 |
| 2024 | $893 | $68,300 | $6,830 |
| 2023 | $869 | $63,400 | $6,340 |
| 2022 | $848 | $63,400 | $6,340 |
| 2021 | $801 | $63,400 | $6,340 |
| 2020 | $796 | $63,400 | $6,340 |
| 2019 | $822 | $63,400 | $6,340 |
| 2018 | $769 | $63,400 | $6,340 |
| 2017 | $742 | $63,400 | $6,340 |
| 2016 | $730 | $63,400 | $6,340 |
| 2015 | $771 | $66,100 | $6,610 |
| 2014 | $762 | $66,100 | $6,610 |
| 2013 | $762 | $66,100 | $6,610 |
| 2010 | $758 | $66,700 | $6,670 |
| 2009 | $721 | $66,700 | $6,670 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-05 | Price Changed | $175,000 |
| 2026-01-24 | Price Changed | $188,000 |
| 2026-01-06 | Price Changed | $199,000 |
| 2025-12-17 | Listed | $205,000 |
Photo Gallery
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{
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{
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{
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],
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},
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},
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},
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},
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/305-Layman-St_Westwego_LA_70094_M89696-92008",
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"effective_date": "2026-01-01"
},
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{
"note": "Property information explicitly states 'Gas: Natural'.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Property information lists 'Heating Features: Central' and 'Gas: Natural'.",
"utility": "Heating",
"allowance": 79
},
{
"note": "The water heater's fuel type is not specified. Although natural gas is available, the more expensive common option (electric) was chosen per instructions for handling ambiguity.",
"utility": "Water Heating",
"allowance": 57
},
{
"note": "This is the standard allowance for lights, general appliances, and the central air fan in a home with electric service.",
"utility": "Other Electric",
"allowance": 77
},
{
"note": "Property information explicitly states 'Water Source: Public'.",
"utility": "Water",
"allowance": 50
},
{
"note": "Property information explicitly states 'Sewer: City'.",
"utility": "Sewer",
"allowance": 54
},
{
"note": "Trash collection is a standard, essential utility for a single-family home and is assumed to be a tenant responsibility.",
"utility": "Trash Collection",
"allowance": 25
}
],
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],
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},
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},
"section8_assessment": {
"runs": [
{
"summary": "Property appears largely turnkey following a recent full renovation. Interiors, kitchen appliances, windows, flooring and HVAC distribution are present and in apparent good condition. The largest remaining verification risks for a Section 8 / NSPIRE inspection are confirmation of properly located smoke and CO detectors, GFCI protection in kitchen/baths, presence/condition of the water heater and electrical panel, and a confirmed deadbolt on the entry door. Absent any hidden major system failures, the home is likely to pass an initial inspection after quick verification/installation of required detectors and GFCI outlets.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Photos and listing show a full interior renovation: new flooring throughout, modern cabinetry, fresh paint, new windows and stainless steel appliances present. No visible cosmetic damage, stains, or deferred maintenance in the provided images. Missing/loose items: none obvious. Minor punch-list items (trim touch-up, final HVAC commissioning) are likely. Overall condition appears turnkey."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 78.0,
"rationale": "No visible exposed wiring, electrical covers are present, and the listing states updated electrical wiring. Bedrooms have windows for egress visible in photos. Entry door appears secure though a deadbolt is not clearly visible in photos. There are no visible trip hazards, severe mold, or active leaks. However, smoke detectors and carbon monoxide alarms are not visible in photos (cannot confirm placement), and GFCI outlets in kitchen/bath are not clearly shown. Stove appears to be a gas range (possible CO requirement). Because several required safety devices are not visible/confirmed, deduct a moderate amount for verification risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 85.0,
"rationale": "Listing asserts new interior and exterior AC units and updated electrical wiring; photos show a return vent and a thermostat, suggesting HVAC distribution is present. Kitchen appliances (refrigerator, range, dishwasher, microwave) are installed and look new. Bathroom fixtures look new and functioning. Roof appears intact with no visible sagging. Water heater and electrical panel are not shown so their condition cannot be confirmed — reducing score slightly for unverified major components."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 88.0,
"rationale": "Front yard, driveway and new perimeter wood fencing look well maintained; exterior brick/siding and windows appear recently replaced/painted. No visible drainage problems or standing water in photos; listing states newly installed perimeter drainage system and Flood Zone X location. Foundation exposure and major exterior structural issues are not visible. Minor landscaping/curb appeal only."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that electrical wiring was updated is accurate and the main electrical panel is intact and code-compliant.",
"New interior and exterior AC units are installed and operational; thermostat and return vent in photos indicate functioning HVAC distribution.",
"Water heater exists and is functioning though not visible in photos.",
"Bedrooms' windows meet egress size requirements based on typical new window installations shown; no basement egress issues (property is single-story).",
"Kitchen and bathroom outlets will include GFCI where required or will be made compliant prior to tenancy; not visible in images.",
"Smoke detectors and carbon monoxide alarms are not visible in photos but are assumed not guaranteed — tenant-ready condition requires confirmation/installation.",
"Front entry has at least a functioning locked knob; presence of a deadbolt could not be confirmed from photos and may need verification/installation."
],
"overall_score": 85.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This appears to be a recently renovated, mostly turnkey single-family home with high likelihood of passing an initial Section 8 (Housing Choice Voucher / NSPIRE) inspection after verification/installation of required detectors and quick verification of mechanicals. Major systems appear updated and interior finishes are new. Primary verification items before listing for Section 8 tenancy are confirming presence and operation of smoke and CO detectors, confirming electrical panel labeling and GFCI protection in kitchen/bath, and verifying water heater/AC condenser locations and operation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 90.0,
"rationale": "Interior and exterior photos show a recent full renovation: new flooring, fresh paint, new cabinetry, installed stainless-steel appliances, new windows and new trim/baseboard. No visible cracked drywall, peeling paint, or damaged flooring. Driveway and front concrete porch look intact. Missing/loose cosmetic items are not evident. Based on listing text and pictures, only minor touch-ups or tenant-ready cleaning would be expected."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code",
"score": 80.0,
"rationale": "House shows intact ceilings and floors, finished bathrooms, properly installed outlets and cover plates visible, working doors/windows and secure-looking exterior doors with deadbolt hardware visible on front door. No visible exposed wiring, sagging ceilings, or active water intrusion in photos. However smoke and carbon monoxide detectors are not visible in the photos (required by NSPIRE), bedroom egress window compliance cannot be fully verified from images, and GFCI protection in kitchen/bath is not photo-confirmed. Because these items are often easily installed/verified, the risk is moderate rather than critical."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 85.0,
"rationale": "Listing states new interior and exterior AC units and updated electrical wiring. Interior photos show a modern thermostat, ceiling supply/return grille and new recessed lighting suggesting updated electrical and HVAC distribution. Kitchen has a gas-range (appears) and stainless dishwasher/microwave; appliances are present. No water heater, electrical panel, or HVAC outdoor condenser are shown in photos so their condition is assumed acceptable based on the listing, but lack of visual confirmation reduces score slightly."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 85.0,
"rationale": "Exterior photos show a maintained yard, new wooden side gate/fencing, intact painted brick/siding, and a roof that appears even with no visible sag or missing shingles. Driveway and walkways look sound and free of trip hazards. Listing states newly installed perimeter drainage system and Flood Zone X designation which reduces flood risk. No evidence of standing water, large foundation cracks, or obvious pest infestation visible in provided images."
}
],
"red_flags": [
"Property built in 1900 — potential for lead-based paint or other legacy hazards unless fully remediated (lead risk needs disclosure/testing).",
"No smoke detectors or CO detectors visible in photos — required for NSPIRE compliance and must be confirmed/installed.",
"Electrical panel and water heater not shown — their location, condition, and proper labeling are unverified.",
"Bedroom egress compliance cannot be confirmed from photos and must be verified during inspection.",
"Outdoor HVAC condenser and fuel/venting connections for range not shown — these system items should be confirmed operational and safe."
],
"confidence": 0.75,
"assumptions": [
"Listing statement that electrical wiring was updated is accurate and means the panel and branch circuits were brought up to code or are safe.",
"New interior and exterior AC units were installed and are operational despite outdoor condenser not being pictured.",
"Appliances shown (refrigerator, stove/range, dishwasher, microwave) are included, operational and properly connected. The stove appears to be gas; gas connection and venting are assumed safe.",
"Smoke and carbon monoxide detectors are not visible in photos but will be installed prior to leasing (or can be installed quickly).",
"Bedroom egress windows meet local egress size requirements or can be upgraded if required; windows appear new and of typical size for bedrooms.",
"Water heater and electrical service equipment exist and are functional though not pictured.",
"No hidden active mold, major termite damage, or prior flood damage remains after the renovation given clean finish photos; however unseen conditions could exist behind walls or under floors."
],
"overall_score": 85.0,
"rubric_version": "nsPIRE_v1_default"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [
"Error code: 429 - {'error': {'message': 'You exceeded your current quota, please check your plan and billing details. For more information on this error, read the docs: https://platform.openai.com/docs/guides/error-codes/api-errors.', 'type': 'insufficient_quota', 'param': None, 'code': 'insufficient_quota'}}"
],
"address": "305 Layman St, Westwego, LA, 70094",
"aggregate": {
"summary": "Property appears largely turnkey following a recent full renovation. Interiors, kitchen appliances, windows, flooring and HVAC distribution are present and in apparent good condition. The largest remaining verification risks for a Section 8 / NSPIRE inspection are confirmation of properly located smoke and CO detectors, GFCI protection in kitchen/baths, presence/condition of the water heater and electrical panel, and a confirmed deadbolt on the entry door. Absent any hidden major system failures, the home is likely to pass an initial inspection after quick verification/installation of required detectors and GFCI outlets.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Photos and listing show a full interior renovation: new flooring throughout, modern cabinetry, fresh paint, new windows and stainless steel appliances present. No visible cosmetic damage, stains, or deferred maintenance in the provided images. Missing/loose items: none obvious. Minor punch-list items (trim touch-up, final HVAC commissioning) are likely. Overall condition appears turnkey."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 86.5,
"rationale": "Front yard, driveway and new perimeter wood fencing look well maintained; exterior brick/siding and windows appear recently replaced/painted. No visible drainage problems or standing water in photos; listing states newly installed perimeter drainage system and Flood Zone X location. Foundation exposure and major exterior structural issues are not visible. Minor landscaping/curb appeal only."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 79.0,
"rationale": "No visible exposed wiring, electrical covers are present, and the listing states updated electrical wiring. Bedrooms have windows for egress visible in photos. Entry door appears secure though a deadbolt is not clearly visible in photos. There are no visible trip hazards, severe mold, or active leaks. However, smoke detectors and carbon monoxide alarms are not visible in photos (cannot confirm placement), and GFCI outlets in kitchen/bath are not clearly shown. Stove appears to be a gas range (possible CO requirement). Because several required safety devices are not visible/confirmed, deduct a moderate amount for verification risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 85.0,
"rationale": "Listing asserts new interior and exterior AC units and updated electrical wiring; photos show a return vent and a thermostat, suggesting HVAC distribution is present. Kitchen appliances (refrigerator, range, dishwasher, microwave) are installed and look new. Bathroom fixtures look new and functioning. Roof appears intact with no visible sagging. Water heater and electrical panel are not shown so their condition cannot be confirmed — reducing score slightly for unverified major components."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing statement that electrical wiring was updated is accurate and the main electrical panel is intact and code-compliant.",
"New interior and exterior AC units are installed and operational; thermostat and return vent in photos indicate functioning HVAC distribution.",
"Water heater exists and is functioning though not visible in photos.",
"Bedrooms' windows meet egress size requirements based on typical new window installations shown; no basement egress issues (property is single-story).",
"Kitchen and bathroom outlets will include GFCI where required or will be made compliant prior to tenancy; not visible in images.",
"Smoke detectors and carbon monoxide alarms are not visible in photos but are assumed not guaranteed — tenant-ready condition requires confirmation/installation.",
"Front entry has at least a functioning locked knob; presence of a deadbolt could not be confirmed from photos and may need verification/installation."
],
"score_method": "mean_of_criteria",
"overall_score": 85.4,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8969692008"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.