Property ID: 8975773357
11 Cedar Ln, Gretna, LA, 70053
Gretna, LA
Money Down: $29,976
CoC Return: 22.53%
Monthly Cash Flow: $563
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,980
Closing Costs
$4,996
Total Down
$29,976
Investment Snapshot
Purchase Price
$124,900
Money Down
$29,976
Cash-on-Cash Return
22.53%
Rent
$1,696
Monthly Cash Flow
$563
Annual Cash Flow
$6,753
Debt Service / Mo
$665
Property Tax / Mo
$143
Insurance / Mo
$156
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$156
Property Tax
$143
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,227
Debt Service
$665
Cash Flow After Debt
$563
Quality Score: 63.60%
Confidence: 95.00%
Likely to pass after minor-to-moderate repairs: property is largely cosmetically incomplete but structurally appears intact. The primary inspection risks are exposed electrical/unfinished ceiling boxes and lack of visible smoke/CO detectors; these must be corrected prior to an NSPIRE Section 8 move-in. With those safety fixes, completing missing light fixtures, installing appliances and finishing a few trim/paint items, the home should be rent-ready within ~2-4 weeks.
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
$124,900
Beds
3
Baths
2
Living Area
2,000 sqft
Lot Size
—
Year Built
1968
Days on Market
63
Capital Outlay
$29,976
Debt Service
$665
Property Tax / Mo
$143
Insurance / Mo
$156
Property Description
Belleveu Park area, great location just waiting on your decorating skills to finish this project started by previous owner. Property features Living room, large kitchen with island, 3 or 4 bedrooms, large master bedroom, oversized master bath, jetted tub, double head shower, large rap around closets. Former carport converted into a bonus room, can be 4th bedroom, playroom, even a separate office with side door access, behind this is a den with access to rear yard. Previous owners started renovation but did not complete it all. Don't hesitate, call to view this property before it's too late.
Utility Allowances
Heating
$70
Selected 'natural_gas' for a 3-bedroom unit, as property details specify 'Heating Features: One, Central' and 'Gas: Natural'.
Cooking
$12
Selected 'natural_gas' for a 3-bedroom unit, as property details specify 'Gas: Natural'.
Water Heating
$24
Selected 'natural_gas' for a 3-bedroom unit, as property details specify 'Gas: Natural', which is consistent with the heating fuel.
Other Electric
$67
Selected the fixed rate for a 3-bedroom unit. This covers lights, outlets, and tenant-provided appliances. It is also assumed to cover electric central air conditioning, as no separate cooling utility is listed on the schedule.
Water
$43
Selected the fixed rate for a 3-bedroom unit as property details state 'Water Source: Public'.
Sewer
$46
Selected the fixed rate for a 3-bedroom unit as property details state 'Sewer: City'.
Trash Collection
$25
Selected the fixed rate for a 3-bedroom unit, as this is a standard municipal service for a single-family home.
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$1,870
DP3 Annual Estimate$1,870
DP1 Monthly Equivalent$156
DP3 Monthly Equivalent$156
Replacement Value$95,400
Basis2,000 sqft / 1968
Nearby Houses
Photo unavailable
134 Mason St
for_sale · 0.08 mi
Price: $270,000
4 bd / 2 ba · 1,391 sqft
Latest sale: —
Latest rent: —
Photo unavailable
392 Fairfield Ave
for_sale · 0.09 mi
Price: $680,000
4 bd / 4 ba · 4,780 sqft
Latest sale: —
Latest rent: —
Photo unavailable
133 Creagan Ave
off_market · 0.09 mi
Price: $189,900
3 bd / 2 ba · 1,400 sqft
Latest sale: —
Latest rent: —
Photo unavailable
387 Fairfield Ave
sold · 0.12 mi
Price: $355,000
4 bd / 4 ba · 2,878 sqft
Latest sale: —
Latest rent: —
Photo unavailable
173 Creagan Ave
off_market · 0.13 mi
Price: $1,800
3 bd / 2 ba · 1,265 sqft
Latest sale: —
Latest rent: —
Photo unavailable
16 Oak Ln
sold · 0.16 mi
Price: $168,000
3 bd / 2 ba · 1,400 sqft
Latest sale: — on Dec 29, 2021
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Exposed wiring and open ceiling/junction boxes visible in multiple rooms — electrical hazard and likely inspection fail until corrected.
- No smoke detectors or carbon monoxide alarms visible in photos — code requirement and inspection fail until installed.
- Multiple unfinished ceiling penetrations/fixture holes that indicate incomplete electrical/finish work.
- Carport converted to interior room (possible unpermitted work / egress or structural concerns that require verification).
Assumptions
- Photos are recent and represent current condition.
- Central HVAC exists (ceiling registers visible) and is assumed functional but not tested.
- No active roof leaks or major hidden water damage (no staining visible in photos).
- Electrical service/panel is present and intact though some interior junctions/open boxes need finishing.
- Hot water and plumbing supply are present but unverified; bathroom fixtures appear installed.
- Converted carport/bonus room is structurally stable but its permitting/egress compliance is unknown.
- Missing appliances (range, refrigerator) are intentional removal/unfinished and will be provided or installed prior to rental.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,667 | $122,600 | $12,260 |
| 2024 | $1,669 | $122,600 | $12,260 |
| 2023 | $1,552 | $108,600 | $10,860 |
| 2022 | $1,552 | $108,600 | $10,860 |
| 2021 | $1,476 | $108,600 | $10,860 |
| 2020 | $1,466 | $108,600 | $10,860 |
| 2019 | $1,489 | $108,600 | $10,860 |
| 2018 | $1,402 | $108,600 | $10,860 |
| 2017 | $1,263 | $108,600 | $10,860 |
| 2016 | $1,241 | $108,600 | $10,860 |
| 2015 | $1,227 | $106,500 | $10,650 |
| 2014 | $1,225 | $106,500 | $10,650 |
| 2013 | $1,225 | $106,500 | $10,650 |
| 2012 | $722 | $106,500 | $10,650 |
| 2011 | $672 | $105,000 | $10,500 |
| 2010 | $656 | $105,000 | $10,500 |
| 2009 | $1,118 | $105,000 | $10,500 |
| 2008 | $645 | — | $10,500 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-14 | Price Changed | $124,900 |
| 2026-02-04 | Listed | $134,900 |
| 2006-05-03 | Sold | $0 |
Photo Gallery
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{
"note": "Selected 'natural_gas' for a 3-bedroom unit, as property details specify 'Heating Features: One, Central' and 'Gas: Natural'.",
"utility": "Heating",
"allowance": 70
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{
"note": "Selected 'natural_gas' for a 3-bedroom unit, as property details specify 'Gas: Natural'.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "Selected 'natural_gas' for a 3-bedroom unit, as property details specify 'Gas: Natural', which is consistent with the heating fuel.",
"utility": "Water Heating",
"allowance": 24
},
{
"note": "Selected the fixed rate for a 3-bedroom unit. This covers lights, outlets, and tenant-provided appliances. It is also assumed to cover electric central air conditioning, as no separate cooling utility is listed on the schedule.",
"utility": "Other Electric",
"allowance": 67
},
{
"note": "Selected the fixed rate for a 3-bedroom unit as property details state 'Water Source: Public'.",
"utility": "Water",
"allowance": 43
},
{
"note": "Selected the fixed rate for a 3-bedroom unit as property details state 'Sewer: City'.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "Selected the fixed rate for a 3-bedroom unit, as this is a standard municipal service for a single-family home.",
"utility": "Trash Collection",
"allowance": 25
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{
"summary": "Likely to pass after minor-to-moderate repairs: property is largely cosmetically incomplete but structurally appears intact. The primary inspection risks are exposed electrical/unfinished ceiling boxes and lack of visible smoke/CO detectors; these must be corrected prior to an NSPIRE Section 8 move-in. With those safety fixes, completing missing light fixtures, installing appliances and finishing a few trim/paint items, the home should be rent-ready within ~2-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows recent flooring, painted cabinetry and mostly finished kitchen/bath surfaces but several incomplete finishes remain: missing light/ceiling fixtures, visible ceiling cutouts, cutout for fridge/stove, scuffed walls and trim. These are primarily cosmetic and finish repairs and moderately easy to correct. Missing appliances reduce readiness but are not a structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Visible safety concerns include multiple open ceiling/fixture boxes and exposed wiring/cutouts (photographed), and no visible smoke or CO alarms in the photos. Entry appears secure but deadbolt not visible. No obvious major water stains or collapsed ceilings were seen. Exposed electrical boxes and missing detectors create probable NSPIRE failures until addressed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical (HVAC, Electrical, Plumbing)",
"score": 60.0,
"rationale": "Ceiling HVAC registers and duct vents are present indicating central HVAC, but operational status is unknown. No water heater, electrical panel or furnace photographed. Bathroom plumbing fixtures and jetted tub appear installed but some finish work incomplete. Because major systems are present but unverified and some electrical work is exposed, score is moderate."
},
{
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"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior front shows intact painted envelope, level yard and usable driveway though some cracking in concrete. No visible standing water, major foundation cracks, or collapsed exterior elements in provided photos. Converted carport/bonus room exists (possible permitting/egress question) but exterior condition appears serviceable."
}
],
"red_flags": [
"Exposed wiring and open ceiling/junction boxes visible in multiple rooms — electrical hazard and likely inspection fail until corrected.",
"No smoke detectors or carbon monoxide alarms visible in photos — code requirement and inspection fail until installed.",
"Multiple unfinished ceiling penetrations/fixture holes that indicate incomplete electrical/finish work.",
"Carport converted to interior room (possible unpermitted work / egress or structural concerns that require verification)."
],
"confidence": 0.65,
"assumptions": [
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"Central HVAC exists (ceiling registers visible) and is assumed functional but not tested.",
"No active roof leaks or major hidden water damage (no staining visible in photos).",
"Electrical service/panel is present and intact though some interior junctions/open boxes need finishing.",
"Hot water and plumbing supply are present but unverified; bathroom fixtures appear installed.",
"Converted carport/bonus room is structurally stable but its permitting/egress compliance is unknown.",
"Missing appliances (range, refrigerator) are intentional removal/unfinished and will be provided or installed prior to rental."
],
"overall_score": 65.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This property is a partially completed renovation that is mostly cosmetic and finish-stage work. Flooring, kitchen cabinetry, and bathroom finishes look largely in place, but exposed electrical wiring, open ceiling penetrations, missing appliance installs, and the lack of visible smoke/CO detectors create a moderate NSPIRE inspection risk. Major systems (HVAC, plumbing, roof) are present but not fully documented; assume functional but recommend verification and minor commissioning. With targeted immediate fixes — secure/cover all wiring and junction boxes, install required detectors, install/verify appliances and lighting, finish patching/paint — the unit is likely to pass a Section 8/HCV inspection within ~30 days. Current condition indicates it is not fully turnkey today but is rentable after modest repair work.",
"criteria": [
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"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows substantial cosmetic work already completed (new vinyl plank flooring through main areas, updated kitchen cabinets and countertops, renovated master bath finishes). However multiple unfinished items are visible: ceiling patch/open fixture holes, exposed wiring at wall/ceiling, missing appliance cavity finishes, scuffed/unfinished walls, and general incomplete renovation in several rooms. These are mostly cosmetic/finish items and appliance installs that can be completed with light carpentry, electrical finishing, paint, and appliance purchase — not major structural repairs. Based on photos, missing stove/fridge and a few fixture covers are likely the largest immediate tasks."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 50.0,
"rationale": "Visible safety issues that can cause an NSPIRE fail: exposed wiring/open junctions and missing ceiling fixture covers are present in multiple rooms, which are electrical hazards. No smoke/CO detectors are visible in the photos (required by code), and several ceiling penetrations/unfinished fixtures could lead to inspector fail until corrected. Entry door appears intact but a verified deadbolt is not visible. Bathroom and bedroom egress windows appear present from photos but are not measured or labeled. No active standing water, collapsed ceilings, or obvious major structural hazards are visible. Because of the exposed wiring and lack of visible detectors, this is a moderate inspection risk until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "There are supply/return vents visible indicating central HVAC; vents and grille presence suggests an installed system but no evidence the system is operational. No water heater, electrical panel, or furnace/AC units are pictured. Roof appears intact from front exterior photo but is a low-slope/older profile and should be evaluated for remaining life — no active leaks are visible in interior photos. Plumbing fixtures (sinks, tub, double vanities) are installed but hot-water availability not confirmed. Given pictures, systems appear partially updated/installed but their operational status is unverified; assume some mechanical commissioning and minor repairs may be required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior shows recently painted/stuccoed front facade and a usable front yard. Driveway has cracking and age-related wear but is serviceable. No visible large foundation cracks, major settlement, or standing water in provided exterior photo. Former carport was converted to interior space — that conversion should be checked for proper permits and proper exterior drainage/roof tie-in, but visually the yard and walkways are acceptable. Overall exterior condition is reasonable with only minor maintenance needed."
}
],
"red_flags": [
"Electrical hazards: exposed wiring and open ceiling/junction locations visible in multiple rooms.",
"Unfinished ceiling penetrations / missing light fixtures and covers (inspection fail risk until corrected).",
"Converted carport area (bonus room) – potential permitting/egress compliance issue that should be verified."
],
"confidence": 0.65,
"assumptions": [
"Photos represent the full scope of visible interior and front exterior conditions; no other rooms (basement/crawlspace/attic) were provided.",
"Central HVAC exists and is served by the visible supply/return vents; operational status is unconfirmed but assumed serviceable until proven otherwise.",
"Water heater and electrical panel exist but were not photographed; their condition is unknown.",
"Smoke and carbon monoxide detectors are not present or not visible in the supplied photos and should be assumed missing until verified.",
"The converted carport is finished as interior space but permitting and egress compliance are unknown and should be verified.",
"Missing major appliances (stove, refrigerator) are not provided with the sale/listing photos and must be installed prior to occupancy if required by the owner/management.",
"No active roof leaks, major foundation movement, or severe mold are visible in photos; severe hidden issues are not assumed but possible given incomplete renovations."
],
"overall_score": 63.0,
"rubric_version": "nspr-2026-03-v1"
},
{
"summary": "This single-family is a mid-renovation property with most major interior finishes in place and a renovated master bathroom. Visible issues that will likely be required repairs before a Housing Choice Voucher/NSPIRE inspection include exposed wiring/open electrical boxes, missing smoke/CO detectors, incomplete light fixtures/cover plates, and absence of kitchen appliances. Mechanical systems (HVAC, water heater, electrical panel) are not fully documented; vents indicate HVAC is present but operation must be verified. Overall the home is likely to pass after 1–4 weeks of focused work addressing electrical safety, installing detectors, completing minor finish carpentry, and adding appliances—assuming no hidden system failures are discovered during inspection/functional testing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows a partially completed renovation: new vinyl plank flooring in main living/kitchen, renovated master bathroom and vanities, but multiple unfinished items remain (open ceiling fixture box, missing light/cover plates, exposed niche wiring in refrigerator alcove, incomplete trim/patch work). Kitchen cabinets and island are installed but major appliances (range/fridge) appear missing. Cosmetic wear, some dirty/unfinished tile grout and patched ceilings observed. These are mostly cosmetic and moderate repair items; missing appliances reduce readiness moderately but are not a fatal defect."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 55.0,
"rationale": "Visible safety concerns: exposed wiring in the refrigerator cabinet alcove and open ceiling electrical fixture boxes represent electrical hazards that would likely need correction before inspection. No smoke or CO detectors are visible in photos. Bedroom egress appears present via windows, and entry door is installed (deadbolt not clearly visible). No obvious major water intrusion, severe mold, foundation cracks, or collapsed ceilings in the photos. GFCI presence in kitchen/bath not documented. Overall moderate NSPIRE risk driven by electrical safety items and missing detectors."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Central HVAC supply/return vents are visible in multiple rooms suggesting a ducted system is present, but exterior condensing unit and mechanical room/water heater are not shown. Plumbing fixtures and a jetted tub are installed in the master bath; sinks and vanities appear in place. Electrical panel and hot water functionality cannot be confirmed from photos. Roof appears visually intact from the front elevation (no obvious sag or missing large areas) but not fully visible for condition details. Given the presence of vents and installed fixtures but lack of verification of operation, score reflects moderate confidence in systems with some unknowns."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior façade and yard appear maintained: painted stucco/siding, intact windows and front door, lawn kept. Driveway has surface cracking but is serviceable. Former carport conversion to bonus room has side access; conversion details are unknown but exterior shows no obvious structural sagging. No standing water, major site erosion, or infestation evidence visible. Overall the site is in acceptable condition with only minor exterior maintenance needed."
}
],
"red_flags": [
"Exposed wiring in refrigerator alcove/open electrical outlet (electrical hazard)",
"Open ceiling electrical/fixture boxes and missing light fixtures/cover plates",
"No visible smoke detectors or carbon monoxide detectors in photographed areas"
],
"confidence": 0.65,
"assumptions": [
"No rental history in last 5 years (rental_history_last_5y = missing) so rental activity excluded from the overall score.",
"Central HVAC exists (supply/return vents visible) and is operational unless testing shows otherwise; no outdoor unit photo available.",
"Water heater and hot water are present and functional though not visible in photos.",
"Front entry has a functioning lock; deadbolt not clearly visible but assumed present or easily added.",
"Bedroom windows provide adequate egress (standard-sized windows visible) though dimensions not measured.",
"No active roof leaks or major roof failure based on front elevation photo; roof condition not fully verifiable from provided images.",
"Appliances (range, refrigerator) are currently missing or removed based on empty fridge/range alcove; these are considered moderate readiness items, not immediate safety failures."
],
"overall_score": 63.0,
"rubric_version": "nsPIRE-v1-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "11 Cedar Ln, Gretna, LA, 70053",
"aggregate": {
"summary": "Likely to pass after minor-to-moderate repairs: property is largely cosmetically incomplete but structurally appears intact. The primary inspection risks are exposed electrical/unfinished ceiling boxes and lack of visible smoke/CO detectors; these must be corrected prior to an NSPIRE Section 8 move-in. With those safety fixes, completing missing light fixtures, installing appliances and finishing a few trim/paint items, the home should be rent-ready within ~2-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.3,
"rationale": "Interior shows recent flooring, painted cabinetry and mostly finished kitchen/bath surfaces but several incomplete finishes remain: missing light/ceiling fixtures, visible ceiling cutouts, cutout for fridge/stove, scuffed walls and trim. These are primarily cosmetic and finish repairs and moderately easy to correct. Missing appliances reduce readiness but are not a structural failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior front shows intact painted envelope, level yard and usable driveway though some cracking in concrete. No visible standing water, major foundation cracks, or collapsed exterior elements in provided photos. Converted carport/bonus room exists (possible permitting/egress question) but exterior condition appears serviceable."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 53.3,
"rationale": "Visible safety concerns include multiple open ceiling/fixture boxes and exposed wiring/cutouts (photographed), and no visible smoke or CO alarms in the photos. Entry appears secure but deadbolt not visible. No obvious major water stains or collapsed ceilings were seen. Exposed electrical boxes and missing detectors create probable NSPIRE failures until addressed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical (HVAC, Electrical, Plumbing)",
"score": 60.0,
"rationale": "Ceiling HVAC registers and duct vents are present indicating central HVAC, but operational status is unknown. No water heater, electrical panel or furnace photographed. Bathroom plumbing fixtures and jetted tub appear installed but some finish work incomplete. Because major systems are present but unverified and some electrical work is exposed, score is moderate."
}
],
"red_flags": [
"Exposed wiring and open ceiling/junction boxes visible in multiple rooms — electrical hazard and likely inspection fail until corrected.",
"No smoke detectors or carbon monoxide alarms visible in photos — code requirement and inspection fail until installed.",
"Multiple unfinished ceiling penetrations/fixture holes that indicate incomplete electrical/finish work.",
"Carport converted to interior room (possible unpermitted work / egress or structural concerns that require verification)."
],
"confidence": 0.95,
"assumptions": [
"Photos are recent and represent current condition.",
"Central HVAC exists (ceiling registers visible) and is assumed functional but not tested.",
"No active roof leaks or major hidden water damage (no staining visible in photos).",
"Electrical service/panel is present and intact though some interior junctions/open boxes need finishing.",
"Hot water and plumbing supply are present but unverified; bathroom fixtures appear installed.",
"Converted carport/bonus room is structurally stable but its permitting/egress compliance is unknown.",
"Missing appliances (range, refrigerator) are intentional removal/unfinished and will be provided or installed prior to rental."
],
"score_method": "mean_of_criteria",
"overall_score": 63.6,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8975773357"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.