Property ID: 9050691172
1443 29th Street Ensley, Birmingham, AL, 35218
Birmingham, AL
Money Down: $18,480
CoC Return: 16.79%
Monthly Cash Flow: $259
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,400
Closing Costs
$3,080
Total Down
$18,480
Investment Snapshot
Purchase Price
$77,000
Money Down
$18,480
Cash-on-Cash Return
16.79%
Rent
$896
Monthly Cash Flow
$259
Annual Cash Flow
$3,102
Debt Service / Mo
$410
Property Tax / Mo
$81
Insurance / Mo
$57
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$896
Payment Standard
$1,419
Rent
$896
Insurance
$57
Property Tax
$81
Management
$90
Utilities Allowance
$523
NOI (Monthly)
$668
Debt Service
$410
Cash Flow After Debt
$259
Quality Score: 62.70%
Confidence: 95.00%
Moderate turnkey readiness. Interior finishes look mostly updated and the building envelope appears painted and intact, but there are several inspection risks that should be addressed before listing as Section 8-ready: repair/replace front steps and walkway and secure/replace handrail, verify that all sleeping rooms have compliant egress (remove or provide quick-release on security bars if they block escape), install/verify smoke and CO alarms, and confirm HVAC, water heater, plumbing and electrical panel are serviceable. With 1–3 weeks of focused safety repairs and verification of systems, the property is likely to pass an initial HCV/NSPIRE inspection.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$896
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$77,000
Beds
3
Baths
1
Living Area
1,419 sqft
Lot Size
7,405 sqft
Year Built
1930
Days on Market
173
Capital Outlay
$18,480
Debt Service
$410
Property Tax / Mo
$81
Insurance / Mo
$57
Property Description
Open 3 bedroom, one bath home with den, dinning room and kitchen. Alley access with tons of parking in back. Large unfinished basement provides lots of room for work shop or hobbies.
Utility Allowances
heating
$93
Property has central heating. Fuel type is not specified, but the water heater and dryer are electric. Selected the electric option from the dominant local provider, 'Ala Power', as the most consistent choice.
cooling
$22
Property has 'Central (COOL)', indicating electric air conditioning. 'Alabama Power' is chosen as the most logical provider for the Birmingham area.
water_heating
$56
Property explicitly states 'Water Heaters: Electric (WTRHTR)'. 'Alabama Power' is chosen to maintain consistency with other electric utilities.
cooking
$21
No cooking appliance is listed as included. It is assumed the tenant will provide an electric range, consistent with the property's other electric systems. 'Ala Power' is the selected provider.
other_electric
$68
This covers baseline electricity for lights and outlets. 'Alabama Power' is chosen for consistency with other electrical services.
refrigerator
$8
The property-provided info does not mention a refrigerator, so it is assumed to be tenant-owned and the corresponding allowance is applied.
range_microwave
$6
The property-provided info does not mention a microwave, so it is assumed to be tenant-owned and the corresponding allowance is applied.
water
$78
Property has 'Public Water'. The 'Water: Birmingham' option is selected from the schedule as the property is located in Birmingham.
sewer
$151
Property is listed as 'Sewer: Connected'. The schedule provides a single rate for sewer service which has been applied.
trash_collection
$20
Property requires trash collection. As 'Birmingham' is not an explicit option in the schedule, the 'Jefferson City' allowance is used as the most applicable county-level option.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$546
DP3 Annual Estimate$821
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$68
Replacement Value$55,700
Basis1,419 sqft / 1930
Nearby Houses
Photo unavailable
1444 30th Street Ensley W
sold · 0.03 mi
Price: $51,000
3 bd / 1 ba · 1,334 sqft
Latest sale: $51,000
Latest rent: —
Photo unavailable
1500 29th St N
sold · 0.04 mi
Price: $1,437
3 bd / 1 ba · 1,558 sqft
Latest sale: $1,437 on Dec 22, 2023
Latest rent: —
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1512 29th Street Ensley
sold · 0.05 mi
Price: $139,000
6 bd / 2 ba · 4,140 sqft
Latest sale: $139,000
Latest rent: —
Photo unavailable
1411 29th Street Ensley
sold · 0.06 mi
Price: $80,000
3 bd / 1 ba · 1,525 sqft
Latest sale: $80,000
Latest rent: —
Photo unavailable
1424 28th Street Ensley
sold · 0.07 mi
Price: $20,000
3 bd / 1 ba · 1,172 sqft
Latest sale: $20,000
Latest rent: —
Photo unavailable
1414 27th Street Ensley
for_sale · 0.07 mi
Price: $50,000
3 bd / 1 ba · 1,170 sqft
Latest sale: $34,000
Latest rent: —
Photo unavailable
1445 27th Street Ensley
sold · 0.07 mi
Price: $13,250
3 bd / 1 ba · 995 sqft
Latest sale: $13,250
Latest rent: $925 on Apr 01, 2017
Photo unavailable
1423 30th Street Ensley
sold · 0.08 mi
Price: $55,000
3 bd / 1 ba · 1,690 sqft
Latest sale: $55,000
Latest rent: $750 on Feb 06, 2018
Photo unavailable
1516 30th St N
sold · 0.08 mi
Price: $140,000
4 bd / 1 ba · 1,758 sqft
Latest sale: $140,000 on Jun 30, 2023
Latest rent: $1,450 on May 15, 2025
Photo unavailable
1438 27th Street Ensley
sold · 0.09 mi
Price: $56,000
2 bd / 1 ba · 1,318 sqft
Latest sale: $56,000
Latest rent: —
Photo unavailable
1409 30th Street Ensley
sold · 0.10 mi
Price: $170,000
3 bd / 3 ba · 1,550 sqft
Latest sale: $170,000
Latest rent: —
Photo unavailable
1405 Pike Rd
sold · 0.10 mi
Price: $33,000
4 bd / 2 ba · 1,816 sqft
Latest sale: $33,000 on Oct 01, 2018
Latest rent: $950 on Dec 05, 2019
Risk and Criteria Detail
Red Flags
- success
- Front concrete steps and walkway severely cracked - trip/fall hazard and possible unsafe stairs.
- Handrail appears old/corroded and may be loose or insufficient.
- Fixed window security bars on front windows that could block emergency egress from habitable spaces (possible NSPIRE fail for bedrooms).
- No visible smoke detectors or carbon monoxide alarms in interior photos.
- Side walkway and yard debris/vegetation could indicate pest or drainage issues and create trip hazards.
Assumptions
- Interior photos are representative of the whole unit but kitchen, bathroom, electrical panel, water heater and HVAC equipment were not photographed.
- Central HVAC is present and functional based on visible ceiling return/grille; its operation has not been verified.
- No smoke detectors or CO alarms are installed (none visible in photos) and will need installation if absent.
- Window security bars shown are fixed or non-releasing as photographed; if they are quick-release compliant they reduce egress risk.
- Basement is unfinished and may contain mechanicals; no evidence of active flooding seen in photos but moisture risk exists with unfinished basements.
- Appliances (stove/fridge) are not shown and may be absent – treated as a moderate rental-readiness deficiency but not an immediate safety failure.
- Electrical panel and GFCI protection locations are not visible; assume typical older house wiring that may need GFCI updates in kitchen/bath.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $945 | $65,200 | $13,040 |
| 2023 | $945 | $65,200 | $13,040 |
| 2022 | $714 | $49,300 | $9,860 |
| 2021 | $714 | $49,300 | $9,860 |
| 2020 | $714 | $49,300 | $9,860 |
| 2019 | $714 | $68,800 | $13,760 |
| 2018 | $877 | $60,500 | $12,100 |
| 2013 | $291 | $59,600 | $5,960 |
| 2012 | $236 | $43,550 | $4,355 |
| 2011 | $240 | $44,200 | $4,420 |
| 2010 | $283 | $50,400 | $5,040 |
| 2009 | $250 | $45,700 | $4,570 |
| 2008 | $257 | $46,600 | $4,660 |
| 2007 | $254 | $46,200 | $4,620 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-08-27 | Listed | $77,000 |
| 2024-10-17 | Listing removed | $0 |
| 2024-08-27 | Listed for rent | $0 |
| 2024-08-15 | Listing removed | $0 |
| 2024-08-14 | Listed for rent | $0 |
| 1986-08-06 | Sold | $28,500 |
| 1985-07-01 | Sold | $26,000 |
Photo Gallery
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"total_amount_out": 15400.0,
"additional_photos": [
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"https://ap.rdcpix.com/9f838fb72d9f43f4d563b3bb8dc8a16bl-m2617577809s-w1280.jpg",
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"https://ap.rdcpix.com/9f838fb72d9f43f4d563b3bb8dc8a16bl-m3359994235s-w1280.jpg",
"https://ap.rdcpix.com/9f838fb72d9f43f4d563b3bb8dc8a16bl-m1084932102s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 56.96,
"monthly_cash_flow": 668.33,
"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. Fuel type is not specified, but the water heater and dryer are electric. Selected the electric option from the dominant local provider, 'Ala Power', as the most consistent choice.",
"utility": "heating",
"allowance": 93
},
{
"note": "Property has 'Central (COOL)', indicating electric air conditioning. 'Alabama Power' is chosen as the most logical provider for the Birmingham area.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property explicitly states 'Water Heaters: Electric (WTRHTR)'. 'Alabama Power' is chosen to maintain consistency with other electric utilities.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "No cooking appliance is listed as included. It is assumed the tenant will provide an electric range, consistent with the property's other electric systems. 'Ala Power' is the selected provider.",
"utility": "cooking",
"allowance": 21
},
{
"note": "This covers baseline electricity for lights and outlets. 'Alabama Power' is chosen for consistency with other electrical services.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "The property-provided info does not mention a refrigerator, so it is assumed to be tenant-owned and the corresponding allowance is applied.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "The property-provided info does not mention a microwave, so it is assumed to be tenant-owned and the corresponding allowance is applied.",
"utility": "range_microwave",
"allowance": 6
},
{
"note": "Property has 'Public Water'. The 'Water: Birmingham' option is selected from the schedule as the property is located in Birmingham.",
"utility": "water",
"allowance": 78
},
{
"note": "Property is listed as 'Sewer: Connected'. The schedule provides a single rate for sewer service which has been applied.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Property requires trash collection. As 'Birmingham' is not an explicit option in the schedule, the 'Jefferson City' allowance is used as the most applicable county-level option.",
"utility": "trash_collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 15400.0,
"property_tax_annual": 973.35,
"property_tax_monthly": 81.11,
"property_tax_increase": 0.03,
"utility_allowance_total": 523.0,
"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": 3102.03,
"property_management_monthly": 89.6,
"monthly_cash_flow_after_debt": 258.5,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate turnkey readiness. Interior finishes look mostly updated and the building envelope appears painted and intact, but there are several inspection risks that should be addressed before listing as Section 8-ready: repair/replace front steps and walkway and secure/replace handrail, verify that all sleeping rooms have compliant egress (remove or provide quick-release on security bars if they block escape), install/verify smoke and CO alarms, and confirm HVAC, water heater, plumbing and electrical panel are serviceable. With 1–3 weeks of focused safety repairs and verification of systems, the property is likely to pass an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior appears recently repainted and has new vinyl plank flooring in main living spaces; built-in cabinets and fireplace present and intact. Exterior paint looks fresh. Observable repair items: cracked concrete steps and walkways, worn porch steps, peeling paint on some trim, debris along side yard and small areas of concrete staining. Missing kitchen and bath photos create uncertainty about appliance/fixture condition (listing does not show stove/refrigerator). Overall mostly cosmetic and moderate repairs that are straightforward."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Visible safety concerns that could cause an initial fail: exterior front stairs show significant cracking and an old metal handrail (possible looseness/corrosion) — trip/fall hazard. Side walkway is heavily cracked. No smoke detectors or CO alarms are visible in interior photos. Several front windows have fixed security/grill bars which may restrict egress — potential bedroom egress issue depending on which rooms those windows serve. No exposed live wiring was observed and guardrails on the porch are present. Ceiling shows minor stains near vents which could indicate past leaks. These items raise moderate NSPIRE risk until verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Ceiling return/grille visible in living area indicates central HVAC likely present. No furnace/AC unit, water heater, electrical panel or plumbing fixtures are shown in photos. Roof visible from front appears intact without clear active failure. Unfinished large basement is noted in listing (unknown condition for water heater or mechanicals). Because major systems are not shown, assume functional but unverified; the undemonstrated systems lower the score to moderate."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 60.0,
"rationale": "Siding and painted brick foundation look maintained and recently painted. Gutters and downspouts are present. Significant site issues: steep front grade with cracked concrete steps/walkway (safety/trip), vegetation close to house and debris along the side yard, and some peeling paint/trim at eaves that may need localized carpentry. Porch railings and guards are present. No visible major foundation cracking or roof collapse in photos."
}
],
"red_flags": [
"Front concrete steps and walkway severely cracked - trip/fall hazard and possible unsafe stairs.",
"Handrail appears old/corroded and may be loose or insufficient.",
"Fixed window security bars on front windows that could block emergency egress from habitable spaces (possible NSPIRE fail for bedrooms).",
"No visible smoke detectors or carbon monoxide alarms in interior photos.",
"Side walkway and yard debris/vegetation could indicate pest or drainage issues and create trip hazards."
],
"confidence": 0.65,
"assumptions": [
"Interior photos are representative of the whole unit but kitchen, bathroom, electrical panel, water heater and HVAC equipment were not photographed.",
"Central HVAC is present and functional based on visible ceiling return/grille; its operation has not been verified.",
"No smoke detectors or CO alarms are installed (none visible in photos) and will need installation if absent.",
"Window security bars shown are fixed or non-releasing as photographed; if they are quick-release compliant they reduce egress risk.",
"Basement is unfinished and may contain mechanicals; no evidence of active flooding seen in photos but moisture risk exists with unfinished basements.",
"Appliances (stove/fridge) are not shown and may be absent – treated as a moderate rental-readiness deficiency but not an immediate safety failure.",
"Electrical panel and GFCI protection locations are not visible; assume typical older house wiring that may need GFCI updates in kitchen/bath."
],
"overall_score": 62.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "This 3BR/1BA bungalow appears cosmetically refreshed in living areas (new vinyl flooring, paint, ceiling fans) and likely has central HVAC (visible vents). Primary inspection risks are exterior trip hazards (cracked walkway, spalled front steps), a rusted/partial handrail on the public stairs, ceiling stains that suggest past or possible active roof/water leaks, and no visible smoke/CO detectors in photos. Missing kitchen/bath/appliance photos prevent full readiness verification. With targeted fixes (install smoke/CO detectors, repair/replace handrails and cracked concrete, verify/repair any ceiling/roof leaks, confirm functioning mechanicals and install GFCI where required, provide or confirm appliances) the property could be Section 8 ready within 2–6 weeks. Current overall readiness is moderate (likely requires some repairs before passing an initial HCV inspection).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs needed",
"score": 72.0,
"rationale": "Interior shows recent cosmetic work (new vinyl plank flooring in main living areas, fresh paint, functioning ceiling fans). Some rooms still have older/stained carpet. Porch and exterior concrete show paint loss, spalling and staining. Front stair treads are chipped and concrete is deteriorated. No kitchen/bath photos or appliances shown — missing appliances likely. Overall mostly cosmetic and moderate deferred maintenance; missing appliances reduce readiness but are not catastrophic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several observable safety concerns that would likely be cited: no visible smoke detectors in pictured rooms, no visible CO alarm, cracked/uneven walkways and front steps (trip hazards), rusted/partially-missing exterior handrail on the street stairs, ceiling stains near HVAC register (possible prior/active leak). Porch guardrail appears present. Some windows have bars/security grills on lower sashes which could create egress questions depending on whether they are releasable. GFCI outlets, electrical panel condition, hot water availability and plumbing operation not shown; their absence on photos reduces confidence and increases risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Central HVAC registers and ceiling vents are visible indicating a forced-air system likely present (positive). No furnace/ACL or water heater images to confirm condition. Roof appears intact from limited exterior views but eaves show vegetation close to roof and some wear; gutters and downspouts exist. Basement is unfinished (seller notes) — could have mechanicals and potential moisture issues not visible. Electrical panel, water heater and plumbing lines not pictured, so score is moderate based on visible vents and lack of visible system failures."
},
{
"key": "exterior_site",
"label": "Exterior envelope, walkways and site safety",
"score": 50.0,
"rationale": "Exterior siding and painted brick appear recently painted and in fair condition. However the long concrete side walkway is heavily cracked/uneven and front stairs show spalling and a loose/partial handrail (serious trip/fall hazard). Vegetation is close to the structure and there is some debris near the side fence that could indicate neglect. Yard slopes toward the street; drainage details not shown. These site items are actionable and likely to require repair for inspection."
}
],
"red_flags": [
"Cracked, uneven side walkway and spalled front steps (trip/fall hazard)",
"Rusted/partial/loose handrail on exterior public stairs",
"Ceiling stains near HVAC register suggesting past or possible active roof/water leak",
"No visible smoke detectors or carbon monoxide alarm in photographed rooms",
"Window security bars that may restrict emergency egress (status unknown)"
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational because ceiling supply/return vents are visible; no full HVAC equipment photo was provided.",
"Water heater, electrical panel and kitchen/bath fixtures exist but their condition is unknown because not shown; assume functional unless inspection finds otherwise.",
"Basement is unfinished (as listed) and may contain mechanicals; potential moisture issues are possible but not visible in photos.",
"Window security bars may be decorative or releasable; assume they could create an egress concern until confirmed releasable.",
"No appliances were photographed; assume stove/refrigerator are not present or not shown — their absence will need to be addressed prior to leasing."
],
"overall_score": 62.0,
"rubric_version": "nsPIRE_v1.0_photos_only"
},
{
"summary": "This 3-bed bungalow appears cosmetically upgraded and is close to rent-ready, but has several NSPIRE inspection risks that should be addressed before Section 8 tenancy. High-priority fixes: install/verify smoke detectors and CO alarms, replace missing outlet covers and repair any exposed wiring, repair/level cracked walkway and front steps and secure handrails, and confirm that window security bars allow emergency egress or remove/modify them. Verify operation of HVAC, hot water, and electrical panel and install GFCI protection where required. With 1–4 days of targeted safety work plus 1–2 weeks to verify systems and correct exterior trip hazards, the property could likely pass an initial HCV inspection. If mechanicals or egress/security-bar issues are more serious than photos indicate, additional repairs will be needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior shows recent cosmetic work (new-looking vinyl plank flooring, fresh paint) and functioning fixtures (ceiling fans). Minor deferred maintenance observed: stained bedroom carpet, missing outlet cover at baseboard, scuffed trim, and cracked concrete at porch/sidewalk. Exterior paint looks recent but some small masonry/paint touch-ups around the porch are needed. No evidence in photos of catastrophic structural damage. Missing kitchen/bath photos and no appliances shown — absence of stove/fridge would be a moderate fix but not catastrophic. Overall primarily cosmetic and short-turn repairs required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Several possible NSPIRE failures or inspection risks visible: no interior smoke detectors or CO alarms visible in photos (required), at least one electrical outlet cover missing (exposed outlet hazard), cracked/uneven concrete walkway and worn steps (trip/fall hazard), and metal security bars visible on lower window sash which could impede egress from a bedroom if not quick-release. Porch railing exists but condition of fasteners is unknown. No visible exposed electrical wiring, active leaks, collapsed ceilings, or major foundation cracks were seen, but limited photo set prevents full verification of electrical panel, GFCI protection in kitchen/bath, hot water availability, and required detector placement. These items raise moderate inspection risk until verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.0,
"rationale": "Ceiling vents and registers visible indicating central HVAC ducting present; ceiling fans installed. No photos of the HVAC unit, water heater, electrical panel, or kitchen appliances to confirm operation. Ceiling shows small patch/repair area but no active sagging or large stains that would indicate ongoing roof leaks. Large unfinished basement exists (may hide mechanicals and moisture issues). Because systems are present but unverified, treat as moderate risk until functional tests and panel/water-heater inspection are completed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "House exterior is recently painted and visually weather-tight in photos; gutters and downspouts are present. Site concerns: steep front yard slope, cracked concrete walkway and front steps (trip hazard), vegetation/brush close to house which can affect drainage and invite pests, and an unfinished basement entry/yard area that may collect water. Alley access and parking are positives. No obvious major foundation movement or roof collapse visible from angles provided."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in interior photos — likely NSPIRE fail if absent.",
"Missing outlet cover (exposed electrical hazard) visible — must be corrected before approval.",
"Cracked/uneven front walkway and worn concrete steps — trip/fall hazard and potential inspection fail if not repaired or made safe.",
"Metal security bars on windows that could block emergency egress — may cause a failed inspection unless quick-release or removable from inside.",
"Large unfinished basement (potential moisture/unsafe conditions) and vegetation close to foundation — increased risk for hidden moisture/pest issues and should be evaluated."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is connected (ceiling vents observed) and is operational unless tested otherwise.",
"No kitchen photos/appliances were provided; assume stove and refrigerator may not be present or are not shown — missing appliances are a moderate, easily remedied item.",
"Smoke detectors and CO alarms are not installed or not visible in photos; inspector will require them in required locations.",
"Electrical panel, water heater and GFCI-protected outlets are not shown and their condition is unknown; assume these require verification and possible minor corrective work.",
"Window security bars are fixed to the lower sash/inside and may impede emergency egress unless they are quick-release; assume they are non-compliant until confirmed otherwise.",
"Basement is unfinished and may have moisture, but no active standing water or severe mold was visible in provided photos.",
"Porch and exterior railings are present but their attachment points and structural integrity were not tested; assume they are serviceable unless found loose on inspection."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1443 29th Street Ensley, Birmingham, AL, 35218",
"aggregate": {
"summary": "Moderate turnkey readiness. Interior finishes look mostly updated and the building envelope appears painted and intact, but there are several inspection risks that should be addressed before listing as Section 8-ready: repair/replace front steps and walkway and secure/replace handrail, verify that all sleeping rooms have compliant egress (remove or provide quick-release on security bars if they block escape), install/verify smoke and CO alarms, and confirm HVAC, water heater, plumbing and electrical panel are serviceable. With 1–3 weeks of focused safety repairs and verification of systems, the property is likely to pass an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 72.3,
"rationale": "Interior appears recently repainted and has new vinyl plank flooring in main living spaces; built-in cabinets and fireplace present and intact. Exterior paint looks fresh. Observable repair items: cracked concrete steps and walkways, worn porch steps, peeling paint on some trim, debris along side yard and small areas of concrete staining. Missing kitchen and bath photos create uncertainty about appliance/fixture condition (listing does not show stove/refrigerator). Overall mostly cosmetic and moderate repairs that are straightforward."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 56.7,
"rationale": "Siding and painted brick foundation look maintained and recently painted. Gutters and downspouts are present. Significant site issues: steep front grade with cracked concrete steps/walkway (safety/trip), vegetation close to house and debris along the side yard, and some peeling paint/trim at eaves that may need localized carpentry. Porch railings and guards are present. No visible major foundation cracking or roof collapse in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Visible safety concerns that could cause an initial fail: exterior front stairs show significant cracking and an old metal handrail (possible looseness/corrosion) — trip/fall hazard. Side walkway is heavily cracked. No smoke detectors or CO alarms are visible in interior photos. Several front windows have fixed security/grill bars which may restrict egress — potential bedroom egress issue depending on which rooms those windows serve. No exposed live wiring was observed and guardrails on the porch are present. Ceiling shows minor stains near vents which could indicate past leaks. These items raise moderate NSPIRE risk until verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 61.7,
"rationale": "Ceiling return/grille visible in living area indicates central HVAC likely present. No furnace/AC unit, water heater, electrical panel or plumbing fixtures are shown in photos. Roof visible from front appears intact without clear active failure. Unfinished large basement is noted in listing (unknown condition for water heater or mechanicals). Because major systems are not shown, assume functional but unverified; the undemonstrated systems lower the score to moderate."
}
],
"red_flags": [
"Front concrete steps and walkway severely cracked - trip/fall hazard and possible unsafe stairs.",
"Handrail appears old/corroded and may be loose or insufficient.",
"Fixed window security bars on front windows that could block emergency egress from habitable spaces (possible NSPIRE fail for bedrooms).",
"No visible smoke detectors or carbon monoxide alarms in interior photos.",
"Side walkway and yard debris/vegetation could indicate pest or drainage issues and create trip hazards."
],
"confidence": 0.95,
"assumptions": [
"Interior photos are representative of the whole unit but kitchen, bathroom, electrical panel, water heater and HVAC equipment were not photographed.",
"Central HVAC is present and functional based on visible ceiling return/grille; its operation has not been verified.",
"No smoke detectors or CO alarms are installed (none visible in photos) and will need installation if absent.",
"Window security bars shown are fixed or non-releasing as photographed; if they are quick-release compliant they reduce egress risk.",
"Basement is unfinished and may contain mechanicals; no evidence of active flooding seen in photos but moisture risk exists with unfinished basements.",
"Appliances (stove/fridge) are not shown and may be absent – treated as a moderate rental-readiness deficiency but not an immediate safety failure.",
"Electrical panel and GFCI protection locations are not visible; assume typical older house wiring that may need GFCI updates in kitchen/bath."
],
"score_method": "mean_of_criteria",
"overall_score": 62.7,
"rubric_version": "nsPIRE-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9050691172"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.