Property ID: 9177530300
1516 Haven Dr N, Birmingham, AL, 35214
Birmingham, AL
Money Down: $26,400
CoC Return: 6.18%
Monthly Cash Flow: $136
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
6.18%
Rent
$995
Monthly Cash Flow
$136
Annual Cash Flow
$1,633
Debt Service / Mo
$585
Property Tax / Mo
$100
Insurance / Mo
$74
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$995
Payment Standard
$1,518
Rent
$995
Insurance
$74
Property Tax
$100
Management
$100
Utilities Allowance
$523
NOI (Monthly)
$722
Debt Service
$585
Cash Flow After Debt
$136
Quality Score: 63.60%
Confidence: 71.00%
Moderate repair/readiness level. The house shows intact structure and basic systems present (HVAC condenser, vents, functioning windows), and interior finishes are serviceable though cosmetically worn. Primary inspection risks are missing/undocumented smoke and CO detectors, visible service wiring across the façade, overgrown vegetation at the foundation, and absent visible stove/refrigerator. These are mostly correctable with targeted work (install alarms, clear vegetation, address wiring presentation, add appliances, add handrail). Expect a likely pass after corrective work and system verifications — plan for ~2–6 weeks of prep depending on contractor access and verification of electrical/plumbing systems.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$995
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
3
Baths
2
Living Area
864 sqft
Lot Size
14,810 sqft
Year Built
1957
Days on Market
42
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$100
Insurance / Mo
$74
Property Description
Fantastic investment opportunity or affordable owner-occupant option! This 3-bedroom, 2-bath home features a spacious primary bedroom, hardwood and LVP flooring, and granite countertops throughout. The home sits on a generous lot with a large backyard, covered parking, and a storage shed, offering functionality that tenants and homeowners alike appreciate. The property has performed well as a rental and presents an excellent chance to add value with exterior improvements, which are already reflected in the price.Schedule a showing today to jump on this "right-priced" property before someone else adds it to their portfolio.
Utility Allowances
Heating
$93
Property has an electric heat pump. 'Elec Heat: Ala Power' was selected as it is a major regional provider and the most expensive option.
Cooling
$22
Property has electric A/C via a heat pump. 'A/C: Alabama Power' was selected as it is a major regional provider and the most expensive option.
Water Heating
$56
Property has an electric water heater. 'Elec: Ala Power' was selected as it is the most expensive electric option.
Cooking
$21
Cooking fuel is not specified. Assumed electric to align with other systems. 'Elec: Ala Power' was selected as the most expensive electric option.
Other Electric
$68
Standard utility for lights and other appliances. 'Lights, Ref, Etc.: Ala Power' was selected as the most expensive option.
Water
$78
Property has public water and is located in Birmingham. 'Water: Birmingham' rate was selected.
Sewer
$151
Property has a connected sewer system. The allowance is a fixed value from the schedule.
Trash Collection
$20
Trash provider is not specified. The 'Jefferson City' rate was selected as a general default for the area.
Refrigerator
$8
A refrigerator is not mentioned as a provided appliance, so it is assumed to be tenant-owned.
Range/Microwave
$6
A range or microwave is not mentioned as a provided appliance, so it is assumed to be tenant-owned.
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$738
DP3 Annual Estimate$1,048
DP1 Monthly Equivalent$62
DP3 Monthly Equivalent$87
Replacement Value$93,800
Basis864 sqft / 1957
Nearby Houses
Photo unavailable
1512 Haven Dr N
for_sale · 0.03 mi
Price: $155,000
4 bd / 2 ba · 1,036 sqft
Latest sale: —
Latest rent: $1,150 on Jul 04, 2025
Photo unavailable
1515 Haven Dr N
for_sale · 0.05 mi
Price: $134,900
3 bd / 2 ba · 1,465 sqft
Latest sale: $3,819 on Oct 29, 2019
Latest rent: —
Photo unavailable
729 Haven Pl
sold · 0.06 mi
Price: $55,000
3 bd / 1 ba · 1,060 sqft
Latest sale: $55,000 on Feb 25, 2019
Latest rent: —
Photo unavailable
533 Lanewood Dr
for_sale · 0.06 mi
Price: $210,000
3 bd / 2 ba · 1,682 sqft
Latest sale: $77,000 on Sep 15, 2025
Latest rent: —
Photo unavailable
636 December Dr
sold · 0.11 mi
Price: $112,000
4 bd / 2 ba · 1,890 sqft
Latest sale: $112,000 on Feb 24, 2020
Latest rent: $1,500 on Jun 30, 2023
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or CO alarm(s) — inspection fail until installed
- Visible utility/communication wiring attached/strung across front façade at low height — potential electrical/service hazard; needs safe routing/strapping
- Overgrown vegetation contacting siding and close to foundation — raises moisture, pest, and foundation risk and should be cleared
- Exterior side steps lack a handrail — potential safety/code issue
Assumptions
- Photos are current representation of property condition and show the principal living areas and exterior.
- No smoke or CO detectors are installed because none are visible in interior photos.
- Central HVAC is present and operational based on visible exterior condenser and interior floor registers, but unit condition/function was not tested.
- Electrical service panel, water heater and stove/fridge were not photographed; their presence/condition is unknown. Absence of visible stove/refrigerator in kitchen photos is assumed to mean appliances are not provided.
- No active roof leaks, major foundation movement, or severe mold are assumed because no visual signs are present in provided photos; hidden issues cannot be ruled out.
- Exterior steps visible in photo lack a handrail and will need attention if required by local code/inspector.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,160 | $120,300 | $24,060 |
| 2023 | $1,160 | $115,800 | $23,160 |
| 2022 | $960 | $95,900 | $19,180 |
| 2021 | $696 | $69,500 | $13,900 |
| 2020 | $696 | $69,500 | $13,900 |
| 2019 | $312 | $31,200 | $6,240 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-05 | Listed | $110,000 |
| 2025-12-22 | Listed | $110,000 |
| 2025-10-10 | Listing removed | $0 |
| 2025-10-09 | Listing removed | $0 |
| 2025-10-02 | Price Changed for rent | $1,153 |
| 2025-09-17 | Listed for rent | $1,025 |
| 2025-09-16 | Listing removed | $0 |
| 2025-09-12 | Price Changed for rent | $1,025 |
| 2025-08-21 | Listed for rent | $1,099 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-08-21 | Listed for rent | $1,099 | — |
| 2019-09-12 | Listed for rent | $880 | — |
Photo Gallery
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"https://ap.rdcpix.com/c3866a7e09b3f031d365c23f15cc639fl-m1488012020s-w1280.jpg",
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"https://ap.rdcpix.com/c3866a7e09b3f031d365c23f15cc639fl-m4242901739s-w1280.jpg",
"https://ap.rdcpix.com/c3866a7e09b3f031d365c23f15cc639fl-m2669524833s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 74.42,
"monthly_cash_flow": 721.52,
"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 an electric heat pump. 'Elec Heat: Ala Power' was selected as it is a major regional provider and the most expensive option.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has electric A/C via a heat pump. 'A/C: Alabama Power' was selected as it is a major regional provider and the most expensive option.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has an electric water heater. 'Elec: Ala Power' was selected as it is the most expensive electric option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Cooking fuel is not specified. Assumed electric to align with other systems. 'Elec: Ala Power' was selected as the most expensive electric option.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Standard utility for lights and other appliances. 'Lights, Ref, Etc.: Ala Power' was selected as the most expensive option.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has public water and is located in Birmingham. 'Water: Birmingham' rate was selected.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property has a connected sewer system. The allowance is a fixed value from the schedule.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash provider is not specified. The 'Jefferson City' rate was selected as a general default for the area.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not mentioned as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A range or microwave is not mentioned as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.39,
"down_payment_amount": 22000.0,
"property_tax_annual": 1194.8,
"property_tax_monthly": 99.57,
"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": 1632.61,
"property_management_monthly": 99.5,
"monthly_cash_flow_after_debt": 136.05,
"cash_on_cash_return_after_debt": 0.07
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate repair/readiness level. The house shows intact structure and basic systems present (HVAC condenser, vents, functioning windows), and interior finishes are serviceable though cosmetically worn. Primary inspection risks are missing/undocumented smoke and CO detectors, visible service wiring across the façade, overgrown vegetation at the foundation, and absent visible stove/refrigerator. These are mostly correctable with targeted work (install alarms, clear vegetation, address wiring presentation, add appliances, add handrail). Expect a likely pass after corrective work and system verifications — plan for ~2–6 weeks of prep depending on contractor access and verification of electrical/plumbing systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior and finishes are generally intact: painted walls, hardwood/LVP floors and tile kitchen look serviceable though scratched and worn in places. Cabinets and trim show cosmetic wear. Listing/photos do not show a stove or refrigerator — missing appliances are likely and reduce readiness moderately. No obvious collapsed ceilings or major interior damage. Repairs appear to be cosmetic and light carpentry/paint plus appliance installation, estimated minor-to-moderate scope."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in photos (required for passing NSPIRE). Bedrooms show windows that appear to provide egress. Entry door has a lock but deadbolt presence is unclear. Exterior shows utility/service lines attached to the siding and a low-hanging run across the front — visible wiring increases inspector scrutiny. Exterior steps lack a handrail. No visible active leaks, collapsed ceilings, or severe mold. Missing detectors and some exterior safety items are inspection-fail items until corrected."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical (HVAC, plumbing, electrical, roof)",
"score": 60.0,
"rationale": "An exterior condenser unit is visible (central A/C likely present); floor registers and vents are present showing heating distribution. Roof shingles look aged but not obviously failed in photos. Water heater, electrical panel and service condition are not shown. Plumbing fixtures are minimally visible (kitchen sink) and appear functional. Given limited evidence, systems appear present but require verification and routine servicing; moderate uncertainty on electrical panel and water heater condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 55.0,
"rationale": "Exterior siding is intact but shows staining/age; foundation vents visible and no large foundation cracks seen in photos. Driveway is cracked and there's overgrowth and vegetation touching/close to the house which elevates moisture and pest risk. Carport and storage shed exist but show wear. Yard appears sloped reasonably; drainage performance not verifiable. Exterior improvements and vegetation cleanup are recommended."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years) — bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm(s) — inspection fail until installed",
"Visible utility/communication wiring attached/strung across front façade at low height — potential electrical/service hazard; needs safe routing/strapping",
"Overgrown vegetation contacting siding and close to foundation — raises moisture, pest, and foundation risk and should be cleared",
"Exterior side steps lack a handrail — potential safety/code issue"
],
"confidence": 0.65,
"assumptions": [
"Photos are current representation of property condition and show the principal living areas and exterior.",
"No smoke or CO detectors are installed because none are visible in interior photos.",
"Central HVAC is present and operational based on visible exterior condenser and interior floor registers, but unit condition/function was not tested.",
"Electrical service panel, water heater and stove/fridge were not photographed; their presence/condition is unknown. Absence of visible stove/refrigerator in kitchen photos is assumed to mean appliances are not provided.",
"No active roof leaks, major foundation movement, or severe mold are assumed because no visual signs are present in provided photos; hidden issues cannot be ruled out.",
"Exterior steps visible in photo lack a handrail and will need attention if required by local code/inspector."
],
"overall_score": 60.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "This 3BR/2BA 1957 single-family has been an active rental recently and presents as a mostly sound, rentable property with primarily cosmetic and moderate maintenance items. Interior finishes are intact with surface wear; major structural failures are not visible. Main inspection risks likely to be flagged under NSPIRE are missing/undocumented smoke and CO detectors, unsecured/sagging service/communication wiring, possible lack of GFCI protection in kitchen/baths, and driveway/trip-hazard repairs. HVAC equipment is present but age/operation should be verified. With targeted, low-to-moderate scope repairs (install/verify detectors, secure wiring, install GFCI outlets if missing, driveway remediation, trim vegetation, minor cabinet/floor work) the property is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks. If any hidden mechanical issues are found (electrical panel problems, failing HVAC, active leaks) that timeline would extend.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 72.0,
"rationale": "Interior photos show generally intact finishes: painted walls, functioning flush-mounted lights, hardwood/LVP with surface wear and scuffing, baseboards present and minor trim damage. Kitchen cabinets and countertops are present though cabinets show wear and paint touch-up needed. No interior collapsed ceilings or severe drywall damage visible. Exterior siding appears intact but aged and would benefit from cleaning/paint. Driveway is cracked and has vegetation/debris; carport and storage shed present but aged. Missing appliances are not visible in photos (no stove/fridge shown) but this listing was a rental recently; missing appliances would be an easy-to-fix capital item. Overall mostly cosmetic and moderate repairs (floor refinishing, cabinet repaint/replace, driveway cleanup/repair)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms are visible in interior photos (required). Windows in bedrooms appear to provide egress-sized openings but final confirmation needed; bedroom windows look operable and of typical size for egress. Exterior shows electrical meter and multiple service/communication wires routed across the front elevation with some sagging across the facade — these are a code/safety concern that require securing and inspection. No exposed live conductors are obvious, but the loose/sagging wiring increases inspector scrutiny. GFCI outlets in kitchen/bath are not visible and must be verified/installed. Entry door has standard knob; deadbolt presence is unclear. No visible mold, major water stains, or active roof leaks in photos, and ceilings are intact. Working plumbing/hot water cannot be visually confirmed. Overall there are safety items likely to be flagged (alarms, secured wiring, GFCI), but no immediate life-threatening hazards visible."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 70.0,
"rationale": "An exterior condenser unit is visible indicating central HVAC is present (age/operation unknown). Roof appears aged but shows no obvious sagging or large missing areas in provided exterior photos; gutters are present. Electrical service and meter are present on the exterior; the main panel is not shown so panel condition and labeling are unknown. No water heater or plumbing risers are visible in photos; listing indicates two baths and recent rental use which supports probable working plumbing and hot water but requires verification. Crawl/open foundation underhouse visible but no obvious foundation displacement or major cracking seen. Systems likely functional but require verification/possible minor repairs or service."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site & trip/fall hazards",
"score": 68.0,
"rationale": "Siding is intact but weathered; vegetation is close to the foundation and needs trimming to reduce moisture and pest risk. Driveway is cracked and uneven in places (possible trip hazard) and the carport and storage shed are aged. Steps at side entry are present but appear simple; a clear handrail is not visible on the small exterior steps (may be required depending on step height). Yard is large but overgrown at edges. No standing water or obvious major erosion visible in images, but drainage close to foundation should be checked given lot slope toward wooded area."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Sagging/loose service/communication wiring across front elevation (needs securing and electrical review).",
"No visible smoke detectors or CO alarms in interior photos (required for NSPIRE/HCV).",
"Driveway cracking and uneven surfaces creating trip hazards.",
"Vegetation and brush close to foundation (pest/moisture risk) and overgrown site areas.",
"Handrail not visible at exterior side steps (may be required depending on riser height)."
],
"confidence": 0.7,
"assumptions": [
"Listing rental_history indicates the property was rented recently and basic utilities/systems were functioning; therefore plumbing/HW and HVAC are assumed likely operational but not guaranteed.",
"No smoke or CO alarms are visible in photos; assume none are installed or they are not visible/accessible and must be verified/installed to pass inspection.",
"Kitchen appliances (stove/refrigerator) are not pictured; their presence is not assumed—missing appliances reduce readiness but are considered an easy/medium capital fix.",
"Electrical panel condition, circuit labeling, and presence of GFCI outlets in kitchen/bath are unknown and assumed to require verification; lack of visible GFCI in kitchen is treated as a probable deficiency.",
"Roof appears aged but not actively failing in photos; assume no active leaks unless a buyer/inspector finds evidence otherwise.",
"Foundation and structural framing show no obvious displacement in photos; assume no major foundation movement unless a closer inspection reveals otherwise."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/2BA single-family appears functionally intact and is likely rentable after modest work. Interior and exterior issues are mostly cosmetic or moderate (floors, paint, appliance installation, yard cleanup). However, there are inspection risks: no visible smoke/CO detectors, lack of visible GFCI at the kitchen sink, low/poorly secured exterior service wiring, missing exterior handrail, and overgrown vegetation close to the structure. Major systems (HVAC, roof, electrical panel, water heater) are present but not fully verifiable from photos and should be tested. Overall the property is likely to pass an HCV/NSPIRE initial inspection with 1–4 trade repairs and safety fixes within 30 days; current weighted score = 62 (minor to moderate items to address).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior is cosmetically worn but largely intact: hardwood/LVP floors show scuffs, walls and trim recently painted, ceilings intact. Kitchen cabinets and counter present but look dated; no stove/refrigerator visible in photos (missing appliances reduce score moderately). Exterior siding and foundation skirt show wear and staining but no collapsed areas visible. Overall defects appear to be cosmetic and minor repairs (floor refinishing, cabinet touch-up, appliance installation, exterior power-wash/paint) that can be completed in <30 days."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risks",
"score": 55.0,
"rationale": "Several NSPIRE-relevant items not visible or negative in photos: no smoke detectors or CO alarms are visible in living areas/bedrooms (likely required), no GFCI device visible at kitchen sink, exterior service wiring is loosely run/low across the facade and may be a hazard, and exterior steps lack a visible handrail. Bedroom windows appear typical and likely provide egress, but verification needed. Plumbing fixtures present with no visible leaks. These items create moderate risk for initial Section 8 inspection and would need remedial work before or during inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 60.0,
"rationale": "An outdoor AC condenser is visible (indicates central HVAC present) but operational status is unknown. Roof shows older shingles with no visible sagging or active leaks in interior photos, but age likely means replacement is medium-term. Electrical panel not shown; exterior service and meter present but wiring appears loosely run. Water heater and main plumbing stack are not visible. No active water intrusion or collapsed ceilings observed. Systems appear present but require inspection/testing (HVAC service, electrical panel check, water heater/hot water confirmation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Large lot with carport and storage shed present. Driveway shows cracking and debris (trip hazard). Vegetation is overgrown and close to the house/shed which raises pest/moisture risk and will need clearing. Siding and foundation appear aged but standing; crawlspace vents visible. No obvious foundation failure or major structural movement seen in photos. Exterior work (yard clean-up, driveway repair, siding/paint) is recommended but not immediate structural emergency."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm(s) in photos — likely NSPIRE failure if not installed/functional.",
"Potential electrical hazard: low-hanging/poorly secured exterior service wiring across the facade.",
"No visible GFCI protection at kitchen sink outlet — electrical safety concern for inspection.",
"Missing exterior handrail at side steps (unsafe stairs/handrail) — potential immediate fail depending on riser count.",
"Overgrown vegetation abutting the house and shed — increased pest/moisture risk and may obstruct safe access."
],
"confidence": 0.65,
"assumptions": [
"HVAC is present because an exterior condenser unit is visible; operational status is unknown and assumed serviceable until tested.",
"Water heater, hot water, and main plumbing are present and functional but were not photographed; assume typical function unless inspection finds otherwise.",
"Smoke and CO alarms are not visible in provided photos; assume they are not installed or not in required locations until confirmed.",
"Electrical panel location and condition are unknown; assume intact service but wires visible at exterior may be unsecured and need evaluation.",
"Bedroom windows shown meet egress size for NSPIRE unless local measurements contradict; assume acceptable egress but should be verified.",
"Missing kitchen appliances (stove, refrigerator) were not photographed; assume landlord will provide or tenant supply; absence reduces condition score moderately but is not a fail by itself."
],
"overall_score": 62.0,
"rubric_version": "nsPIRE-2024-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1516 Haven Dr N, Birmingham, AL, 35214",
"aggregate": {
"summary": "Moderate repair/readiness level. The house shows intact structure and basic systems present (HVAC condenser, vents, functioning windows), and interior finishes are serviceable though cosmetically worn. Primary inspection risks are missing/undocumented smoke and CO detectors, visible service wiring across the façade, overgrown vegetation at the foundation, and absent visible stove/refrigerator. These are mostly correctable with targeted work (install alarms, clear vegetation, address wiring presentation, add appliances, add handrail). Expect a likely pass after corrective work and system verifications — plan for ~2–6 weeks of prep depending on contractor access and verification of electrical/plumbing systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 69.0,
"rationale": "Interior and finishes are generally intact: painted walls, hardwood/LVP floors and tile kitchen look serviceable though scratched and worn in places. Cabinets and trim show cosmetic wear. Listing/photos do not show a stove or refrigerator — missing appliances are likely and reduce readiness moderately. No obvious collapsed ceilings or major interior damage. Repairs appear to be cosmetic and light carpentry/paint plus appliance installation, estimated minor-to-moderate scope."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 61.0,
"rationale": "Exterior siding is intact but shows staining/age; foundation vents visible and no large foundation cracks seen in photos. Driveway is cracked and there's overgrowth and vegetation touching/close to the house which elevates moisture and pest risk. Carport and storage shed exist but show wear. Yard appears sloped reasonably; drainage performance not verifiable. Exterior improvements and vegetation cleanup are recommended."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years) — bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 58.3,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in photos (required for passing NSPIRE). Bedrooms show windows that appear to provide egress. Entry door has a lock but deadbolt presence is unclear. Exterior shows utility/service lines attached to the siding and a low-hanging run across the front — visible wiring increases inspector scrutiny. Exterior steps lack a handrail. No visible active leaks, collapsed ceilings, or severe mold. Missing detectors and some exterior safety items are inspection-fail items until corrected."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical (HVAC, plumbing, electrical, roof)",
"score": 63.3,
"rationale": "An exterior condenser unit is visible (central A/C likely present); floor registers and vents are present showing heating distribution. Roof shingles look aged but not obviously failed in photos. Water heater, electrical panel and service condition are not shown. Plumbing fixtures are minimally visible (kitchen sink) and appear functional. Given limited evidence, systems appear present but require verification and routine servicing; moderate uncertainty on electrical panel and water heater condition."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm(s) — inspection fail until installed",
"Visible utility/communication wiring attached/strung across front façade at low height — potential electrical/service hazard; needs safe routing/strapping",
"Overgrown vegetation contacting siding and close to foundation — raises moisture, pest, and foundation risk and should be cleared",
"Exterior side steps lack a handrail — potential safety/code issue"
],
"confidence": 0.71,
"assumptions": [
"Photos are current representation of property condition and show the principal living areas and exterior.",
"No smoke or CO detectors are installed because none are visible in interior photos.",
"Central HVAC is present and operational based on visible exterior condenser and interior floor registers, but unit condition/function was not tested.",
"Electrical service panel, water heater and stove/fridge were not photographed; their presence/condition is unknown. Absence of visible stove/refrigerator in kitchen photos is assumed to mean appliances are not provided.",
"No active roof leaks, major foundation movement, or severe mold are assumed because no visual signs are present in provided photos; hidden issues cannot be ruled out.",
"Exterior steps visible in photo lack a handrail and will need attention if required by local code/inspector."
],
"score_method": "mean_of_criteria",
"overall_score": 63.6,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9177530300"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.