Property ID: 9091309901
909 43rd St, Birmingham, AL, 35208
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$4,596
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$114,900
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 65.60%
Confidence: 88.00%
Overall this 3BR/1BA brick home presents as cosmetically updated and largely serviceable but has a few inspection risks that need addressing before a Housing Choice Voucher (NSPIRE) inspection will reliably pass. Strengths: solid brick envelope, updated interior paint, good flooring, functional-looking kitchen and bath finishes, handrail at exterior stairs. Main inspection risks: fixed/security window bars that likely block emergency egress unless retrofitted with quick-release hardware, no smoke/CO detectors visible in photos, and cracked/peeling retaining wall and driveway needing attention. Missing kitchen appliances (stove/fridge) reduce turnkey readiness but are an easy-to-fix capital expense. With targeted corrections (install/verify smoke & CO alarms, confirm/modify window bars for egress, provide required appliances, repair driveway/retaining wall as needed, and verify HVAC/water heater/electrical), the property should be rentable under Section 8 within a short timeline (likely under 30 days).
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$114,900
Beds
3
Baths
1
Living Area
1,236 sqft
Lot Size
5,663 sqft
Year Built
1952
Days on Market
219
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Welcome to your new home! This home is more than what you're looking for! It has so much to offer and ready for you to claim it! Go on and start decorating in your head but don't snooze bc someone else may be moving!
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$688
DP3 Annual Estimate$987
DP1 Monthly Equivalent$57
DP3 Monthly Equivalent$82
Replacement Value$81,300
Basis1,236 sqft / 1952
Nearby Houses
Photo unavailable
921 43rd St
sold · 0.03 mi
Price: $90,000
3 bd / 2 ba · 1,609 sqft
Latest sale: $90,000
Latest rent: —
Photo unavailable
4401 Avenue I
for_sale · 0.03 mi
Price: $84,900
3 bd / 2 ba · 1,002 sqft
Latest sale: $7,899,000
Latest rent: —
Photo unavailable
932 43rd St
sold · 0.06 mi
Price: $339,900
5 bd / 3 ba · 3,592 sqft
Latest sale: $339,900
Latest rent: —
Photo unavailable
931 43rd Pl
sold · 0.07 mi
Price: $110,000
4 bd / 3 ba · 2,083 sqft
Latest sale: $110,000
Latest rent: —
Photo unavailable
935 44th Street Ensley W
sold · 0.08 mi
Price: $79,000
3 bd / 1 ba
Latest sale: $79,000
Latest rent: —
Photo unavailable
957 43rd St
sold · 0.09 mi
Price: $150,000
3 bd / 3 ba · 1,672 sqft
Latest sale: $150,000
Latest rent: —
Photo unavailable
944 43rd St
sold · 0.09 mi
Price: $99,000
4 bd / 2 ba · 1,227 sqft
Latest sale: $99,000
Latest rent: —
Photo unavailable
820 W 45th Street Ensley
sold · 0.09 mi
Price: $62,000
3 bd / 1 ba · 988 sqft
Latest sale: $62,000
Latest rent: —
Photo unavailable
901 45th Street Ensley
sold · 0.10 mi
Price: $100,000
5 bd / 3 ba · 2,514 sqft
Latest sale: $100,000
Latest rent: —
Photo unavailable
952 43rd St
sold · 0.11 mi
Price: $185,000
3 bd / 2 ba · 2,424 sqft
Latest sale: $185,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- Window security bars over egress windows (kitchen/living) — potential NSPIRE egress failure unless quick-release compliance is documented or bars removed/modifed.
- No visible smoke detectors or carbon monoxide detectors in photos — likely inspection failure until installed and tested.
- Cracked/peeling concrete retaining wall and cracked driveway — potential trip hazard and possible structural deterioration requiring repair.
- Large overhanging trees adjacent to roof — increased risk for roof damage/debris; recommend roof inspection to rule out unseen issues.
Assumptions
- Photos show floor vents and ceiling fans — central HVAC is present and likely operational, but equipment (furnace/AC condensing unit) was not photographed and should be verified.
- No smoke detectors or carbon monoxide alarms are visible in the photos; assume detectors may be missing or not photographed — they must be confirmed/installed to pass NSPIRE.
- Window security bars shown are assumed to be fixed/welded (appearance of heavy bars) and therefore likely obstruct emergency egress unless they have quick-release mechanisms; listing photos do not show release hardware.
- Appliances (stove and refrigerator) are not visible in photos and likely not included; assume landlord must supply them prior to tenancy.
- Electrical panel and GFCI protection could not be assessed from photos; assume typical residential panel exists and will require verification for intact cover and no exposed wiring.
- No obvious active leaks, mold staining, or major water damage visible in photos; assume plumbing/hot water are present but should be tested.
- Roof appears even from front photos with no visible sagging, but condition beyond visible edge is unknown and should be inspected if concerns arise (large trees overhead increase future risk).
- Retaining wall and driveway cracking are assumed to be cosmetic/maintenance-level now but could require repair if structural degradation is greater than photos show.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-14 | Price Changed | $114,900 |
| 2025-08-21 | Price Changed | $124,900 |
| 2025-07-29 | Price Changed | $139,900 |
| 2025-07-12 | Listed | $149,900 |
| 2025-06-03 | Listing removed | $0 |
| 2025-05-12 | Relisted | $159,900 |
| 2025-05-09 | Listing removed | $0 |
| 2025-04-01 | Price Changed | $159,900 |
| 2024-12-05 | Price Changed | $165,000 |
| 2024-11-12 | Listed | $200,000 |
Photo Gallery
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"source_name": "GreaterAlabamaMLS",
"price_change": -35000,
"days_after_listed": null,
"source_listing_id": "21402579",
"price_change_percentage": null
},
{
"date": "2024-11-12",
"price": 200000,
"listing": {
"status": "off_market",
"list_date": "2024-11-12T18:38:51Z",
"list_price": 159900,
"listing_id": "2974856229",
"last_update_date": "2025-05-12T19:12:24Z",
"last_status_change_date": "2025-06-03T07:54:30Z"
},
"event_name": "Listed",
"price_sqft": 161.81229773462783,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21402579",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "9091309901",
"generated_at": "2026-02-16T02:24:30.375939Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.6
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3BR/1BA brick home presents as cosmetically updated and largely serviceable but has a few inspection risks that need addressing before a Housing Choice Voucher (NSPIRE) inspection will reliably pass. Strengths: solid brick envelope, updated interior paint, good flooring, functional-looking kitchen and bath finishes, handrail at exterior stairs. Main inspection risks: fixed/security window bars that likely block emergency egress unless retrofitted with quick-release hardware, no smoke/CO detectors visible in photos, and cracked/peeling retaining wall and driveway needing attention. Missing kitchen appliances (stove/fridge) reduce turnkey readiness but are an easy-to-fix capital expense. With targeted corrections (install/verify smoke & CO alarms, confirm/modify window bars for egress, provide required appliances, repair driveway/retaining wall as needed, and verify HVAC/water heater/electrical), the property should be rentable under Section 8 within a short timeline (likely under 30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted and cosmetically updated: flooring (hardwood/tile) looks in good condition, cabinetry intact and countertops in usable condition, bathroom tile and tub appear serviceable. Minor finish issues visible (scuffs at baseboards, paint touch-ups). No major interior structural damage visible. However listing photos do not show stove or refrigerator; missing appliances will need to be provided prior to move-in and reduce turnkey readiness moderately. Overall cosmetic condition is good and requires mostly light repairs/capital replacements (appliances, some caulking/trim)."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 50.0,
"rationale": "Significant NSPIRE risks visible or not-verifiable from photos: multiple windows show fixed security bars (kitchen and living area windows) that may obstruct egress for bedrooms/egress windows and would fail inspection unless they are quick-release compliant — photos do not show release hardware. No smoke detectors or carbon monoxide detectors are visible in photos (none mounted on ceilings or walls in living areas/bedrooms shown). Handrails are present on the exterior stair; no exposed wiring is visible. Bathroom plumbing fixtures and bathtub appear functional. Because fixed window bars and absence of visible detectors are likely inspection failures without corrective action, safety/code score is reduced."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Visible floor/register vents and ceiling fans indicate HVAC distribution; no obvious signs of inoperable heating/AC equipment in photos but system components (furnace/condensing unit, water heater, electrical panel) are not shown and thus unverified. Kitchen plumbing and sink fixtures are present and appear functional; bathroom fixtures look serviceable. Roof appears even from front exterior photos with intact soffits/gutters, though roof field condition cannot be fully assessed. Because critical systems are not fully visible but there is visual evidence of functioning distribution (vents) and no visible leaks or damage, rate as moderately good but requiring verification/service records or testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Brick exterior appears intact and in generally good condition. Front concrete driveway and painted retaining wall show cracking, spalling paint and wear; driveway has cracks and may present trip/vehicle concerns. Steep front yard and approach stairs present potential slip/trip risk (handrail present). Large mature trees overhang roof which increases future roof/leaf/debris maintenance risk. Yard slopes and drainage appear typical for the lot but downspouts and site drainage flows are not fully documented. Overall exterior is sound but needs minor-to-moderate site/maintenance work."
}
],
"red_flags": [
"Window security bars over egress windows (kitchen/living) — potential NSPIRE egress failure unless quick-release compliance is documented or bars removed/modifed.",
"No visible smoke detectors or carbon monoxide detectors in photos — likely inspection failure until installed and tested.",
"Cracked/peeling concrete retaining wall and cracked driveway — potential trip hazard and possible structural deterioration requiring repair.",
"Large overhanging trees adjacent to roof — increased risk for roof damage/debris; recommend roof inspection to rule out unseen issues."
],
"confidence": 0.65,
"assumptions": [
"Photos show floor vents and ceiling fans — central HVAC is present and likely operational, but equipment (furnace/AC condensing unit) was not photographed and should be verified.",
"No smoke detectors or carbon monoxide alarms are visible in the photos; assume detectors may be missing or not photographed — they must be confirmed/installed to pass NSPIRE.",
"Window security bars shown are assumed to be fixed/welded (appearance of heavy bars) and therefore likely obstruct emergency egress unless they have quick-release mechanisms; listing photos do not show release hardware.",
"Appliances (stove and refrigerator) are not visible in photos and likely not included; assume landlord must supply them prior to tenancy.",
"Electrical panel and GFCI protection could not be assessed from photos; assume typical residential panel exists and will require verification for intact cover and no exposed wiring.",
"No obvious active leaks, mold staining, or major water damage visible in photos; assume plumbing/hot water are present but should be tested.",
"Roof appears even from front photos with no visible sagging, but condition beyond visible edge is unknown and should be inspected if concerns arise (large trees overhead increase future risk).",
"Retaining wall and driveway cracking are assumed to be cosmetic/maintenance-level now but could require repair if structural degradation is greater than photos show."
],
"overall_score": 64.0,
"rubric_version": "2026-02-16_v1"
},
{
"summary": "Overall the property shows a cosmetically updated interior and sound exterior shell, with functional plumbing fixtures and visible HVAC registers. The main Section 8/NSPIRE risks visible in photos are potential egress obstructions from window security bars and the absence of visible smoke and carbon monoxide alarms. Missing kitchen appliances (stove/fridge) and unverified GFCI protection and electrical panel status are moderate issues. With targeted corrections — remove or retrofit window bars for emergency egress, install/verify smoke and CO alarms, install required GFCI outlets, supply kitchen appliances or document their inclusion, and a quick systems check (HVAC, water heater, electrical) — this property is likely to pass an initial HCV inspection within ~2–4 weeks. If window bars are non‑removable or electrical/CO issues are found, additional repairs could extend the timeline.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently painted and cosmetically updated: new-looking tile and countertops in kitchen, updated bathroom tile, intact laminate/wood floors, working ceiling fans and light fixtures. Minor cosmetic wear on baseboards and a few scuffs visible. No obvious collapsed surfaces or major water stains. Photos do not show a stove or refrigerator present — missing appliances reduce readiness but are a moderate fix. Exterior brick and porch look solid though retaining wall paint is cracked. Overall mostly cosmetic and minor repairs required (appliances, touch-up paint, possible cabinet hinge/trim repairs)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Significant NSPIRE-related concerns visible: several windows (kitchen and living) have fixed-looking security bars that could impede emergency egress unless they have quick-release hardware (no release visible in photos). No smoke detectors or carbon monoxide alarm are visible in the interior photos; an attached garage is present so CO alarm may be required by local code. GFCI protection at kitchen sink receptacles is not evident in photos. Handrails on the exterior stairs are present. No visible active leaks, collapsed ceilings, or major trip hazards inside. Because egress/alarms are safety-critical, score is reduced to reflect moderate-to-high inspection risk until verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Visible floor registers indicate a forced-air HVAC system and registers appear intact; however no furnace/AC equipment or water heater is shown in photos so operational status is unknown. Plumbing fixtures (kitchen sink, bathroom toilet, tub/shower) are present and appear in functional cosmetic condition. Electrical outlets and switch plates are present and intact in photos; electrical panel is not shown. Roofline and gutters visible from exterior photos appear intact with no obvious sagging or major failure. Systems appear serviceable but need verification (HVAC operation, hot water, electrical panel, water heater)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick exterior, covered porch, gutters and downspouts are present and generally in good condition in photos. Exterior stairs and porch railing are installed; railings appear intact. Driveway shows cracking and some uneven surface which is a minor trip hazard. Concrete retaining wall has visible cracking/peeling paint but appears to be cosmetic rather than structural. Yard slopes steeply toward street; drainage should be checked but no standing water is visible. Satellite dish and vegetation near foundation noted — vegetation should be trimmed to avoid moisture/entry issues."
}
],
"red_flags": [
"Window security bars on multiple windows that appear fixed and may obstruct emergency egress unless they have an internal quick-release mechanism.",
"No visible smoke detectors and no visible carbon monoxide alarm (attached garage present) — safety-critical and required for inspection.",
"Missing kitchen appliances visible in photos (no stove and no refrigerator) — reduces tenant move-in readiness until supplied or disclosed.",
"Driveway surface cracks and some uneven concrete at walk/driveway that could present a trip hazard (minor but noted)."
],
"confidence": 0.66,
"assumptions": [
"Bedrooms have operable egress windows (photos of bedrooms show unobstructed windows); the visible black security bars appear on living/kitchen windows but not necessarily on bedrooms.",
"No smoke detectors or carbon monoxide alarms are present because none are visible in any interior photos.",
"A central HVAC system and ductwork exist and are functional (floor registers visible), but HVAC equipment and water heater operation were not photographed and must be verified.",
"Electrical panel location and condition are not shown; outlets and switch plates appear intact but GFCI protection at kitchen sink is not evident from photos.",
"No active roof leaks, major foundation movement or collapsed ceilings exist; exterior roofline and interior ceilings show no visible distress in provided photos.",
"Appliances (range/fridge) are not present in photos and are assumed missing; washer/dryer hookups or space may be present but were not clearly documented."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/1BA brick house presents as mostly cosmetically updated and structurally intact in photos. Likely a minor-to-moderate amount of work is required for Section 8/HCV initial inspection readiness: typical turnover repairs, installation/verification of smoke and CO detectors, confirmation/upgrade of GFCI protection, and verification that window security bars meet egress standards or are removable from the inside. Major structure or system failures are not apparent in photos, but mechanical/electrical systems are not fully documented and will require in-person verification. Estimated readiness: likely rentable with minor repairs within 1–4 weeks if detectors, egress, and missing appliances are addressed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior appears recently painted and floors are in good visual condition; cabinets and countertops are serviceable. Cosmetic issues only: scuffs at baseboards, minor tile grout work in tub, painted cinderblock retaining wall with cracking/peeling. No major ceiling or wall damage visible. No stove or refrigerator shown in photos (missing appliances reduce readiness moderately but are capital items). Overall mostly cosmetic and standard turnover repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 50.0,
"rationale": "Several safety items are unclear or potentially non-compliant from photos. Positives: solid entry door with two locks, handrail on front stairs, bedrooms show egress windows. Concerns: window security bars on multiple windows (kitchen/living) may block emergency egress unless they are releasable — inspector risk. No smoke/CO detectors are visible in the photos (required and a likely fail if not present/working). GFCI protection in kitchen and bathroom outlets is not visible. No exposed wiring or active water intrusion observed. Because missing/uncertain life-safety devices and window bars are potential inspection failures, score is reduced despite otherwise clean interior."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 60.0,
"rationale": "Evidence of central HVAC via floor vents and a wall thermostat-like device indicates a heating/AC system is present, but its operational status is unconfirmed. Roof and gutters appear intact from exterior photos with no visible sagging or active leakage. Plumbing fixtures (kitchen sink, bathroom fixtures) appear installed and in good cosmetic condition. Electrical panel, hot water heater, and HVAC equipment (furnace/condensing unit) are not shown, so system condition is assumed serviceable but unverified — moderate risk remains until systems are tested."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Brick exterior and porch structure appear solid. Front steps and railing are present and intact. Driveway has surface cracking and the painted cinderblock retaining wall shows cracking/peeling paint — these are maintenance items that can affect curb appeal and drainage but are not immediate life-safety issues. Vegetation is close to the foundation and should be trimmed to reduce moisture/entry risk. Garage door is present but condition/function not verified."
}
],
"red_flags": [
"window_security_bars_potential_egress_issue (kitchen/living windows) — must be releasable from inside to pass",
"no_visible_smoke_or_carbon_monoxide_detectors in photos — required and would cause inspection fail if missing/ nonfunctional",
"retaining_wall_and_driveway_cracking — potential drainage/future foundation risk; needs evaluation"
],
"confidence": 0.7,
"assumptions": [
"Photos represent the full interior and exterior visible condition; areas not photographed (electrical panel, water heater, HVAC equipment, HVAC condenser) are unverified.",
"Central HVAC exists (floor vents and thermostat visible) but operational status is untested; assumed functional unless testing shows otherwise.",
"No stove or refrigerator are visible in the listing photos; assumed not provided and would need to be supplied for a typical rental move-in.",
"Window security bars are present on several windows; it is unknown whether they have quick-release mechanisms compliant with local egress codes.",
"Smoke and carbon monoxide detectors are not visible in photos and are assumed absent/unverified until confirmed or installed.",
"GFCI protection for kitchen and bathroom outlets is not visible in photos and is assumed unverified.",
"No evidence of active roof leaks, major foundation movement, or severe mold was observed in photos; absence of evidence is not proof of absence without an on-site inspection."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "909 43rd St, Birmingham, AL, 35208",
"aggregate": {
"summary": "Overall this 3BR/1BA brick home presents as cosmetically updated and largely serviceable but has a few inspection risks that need addressing before a Housing Choice Voucher (NSPIRE) inspection will reliably pass. Strengths: solid brick envelope, updated interior paint, good flooring, functional-looking kitchen and bath finishes, handrail at exterior stairs. Main inspection risks: fixed/security window bars that likely block emergency egress unless retrofitted with quick-release hardware, no smoke/CO detectors visible in photos, and cracked/peeling retaining wall and driveway needing attention. Missing kitchen appliances (stove/fridge) reduce turnkey readiness but are an easy-to-fix capital expense. With targeted corrections (install/verify smoke & CO alarms, confirm/modify window bars for egress, provide required appliances, repair driveway/retaining wall as needed, and verify HVAC/water heater/electrical), the property should be rentable under Section 8 within a short timeline (likely under 30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Interior appears recently painted and cosmetically updated: flooring (hardwood/tile) looks in good condition, cabinetry intact and countertops in usable condition, bathroom tile and tub appear serviceable. Minor finish issues visible (scuffs at baseboards, paint touch-ups). No major interior structural damage visible. However listing photos do not show stove or refrigerator; missing appliances will need to be provided prior to move-in and reduce turnkey readiness moderately. Overall cosmetic condition is good and requires mostly light repairs/capital replacements (appliances, some caulking/trim)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Brick exterior appears intact and in generally good condition. Front concrete driveway and painted retaining wall show cracking, spalling paint and wear; driveway has cracks and may present trip/vehicle concerns. Steep front yard and approach stairs present potential slip/trip risk (handrail present). Large mature trees overhang roof which increases future roof/leaf/debris maintenance risk. Yard slopes and drainage appear typical for the lot but downspouts and site drainage flows are not fully documented. Overall exterior is sound but needs minor-to-moderate site/maintenance work."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 51.7,
"rationale": "Significant NSPIRE risks visible or not-verifiable from photos: multiple windows show fixed security bars (kitchen and living area windows) that may obstruct egress for bedrooms/egress windows and would fail inspection unless they are quick-release compliant — photos do not show release hardware. No smoke detectors or carbon monoxide detectors are visible in photos (none mounted on ceilings or walls in living areas/bedrooms shown). Handrails are present on the exterior stair; no exposed wiring is visible. Bathroom plumbing fixtures and bathtub appear functional. Because fixed window bars and absence of visible detectors are likely inspection failures without corrective action, safety/code score is reduced."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Visible floor/register vents and ceiling fans indicate HVAC distribution; no obvious signs of inoperable heating/AC equipment in photos but system components (furnace/condensing unit, water heater, electrical panel) are not shown and thus unverified. Kitchen plumbing and sink fixtures are present and appear functional; bathroom fixtures look serviceable. Roof appears even from front exterior photos with intact soffits/gutters, though roof field condition cannot be fully assessed. Because critical systems are not fully visible but there is visual evidence of functioning distribution (vents) and no visible leaks or damage, rate as moderately good but requiring verification/service records or testing."
}
],
"red_flags": [
"Window security bars over egress windows (kitchen/living) — potential NSPIRE egress failure unless quick-release compliance is documented or bars removed/modifed.",
"No visible smoke detectors or carbon monoxide detectors in photos — likely inspection failure until installed and tested.",
"Cracked/peeling concrete retaining wall and cracked driveway — potential trip hazard and possible structural deterioration requiring repair.",
"Large overhanging trees adjacent to roof — increased risk for roof damage/debris; recommend roof inspection to rule out unseen issues."
],
"confidence": 0.88,
"assumptions": [
"Photos show floor vents and ceiling fans — central HVAC is present and likely operational, but equipment (furnace/AC condensing unit) was not photographed and should be verified.",
"No smoke detectors or carbon monoxide alarms are visible in the photos; assume detectors may be missing or not photographed — they must be confirmed/installed to pass NSPIRE.",
"Window security bars shown are assumed to be fixed/welded (appearance of heavy bars) and therefore likely obstruct emergency egress unless they have quick-release mechanisms; listing photos do not show release hardware.",
"Appliances (stove and refrigerator) are not visible in photos and likely not included; assume landlord must supply them prior to tenancy.",
"Electrical panel and GFCI protection could not be assessed from photos; assume typical residential panel exists and will require verification for intact cover and no exposed wiring.",
"No obvious active leaks, mold staining, or major water damage visible in photos; assume plumbing/hot water are present but should be tested.",
"Roof appears even from front photos with no visible sagging, but condition beyond visible edge is unknown and should be inspected if concerns arise (large trees overhead increase future risk).",
"Retaining wall and driveway cracking are assumed to be cosmetic/maintenance-level now but could require repair if structural degradation is greater than photos show."
],
"score_method": "mean_of_criteria",
"overall_score": 65.6,
"rubric_version": "2026-02-16_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9091309901"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.