Property ID: 9370090870
4824 Chatsworth Ave, Pittsburgh, PA, 15207
Pittsburgh, PA
Money Down: $36,000
CoC Return: 45.36%
Monthly Cash Flow: $1,361
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$30,000
Closing Costs
$6,000
Total Down
$36,000
Investment Snapshot
Purchase Price
$150,000
Money Down
$36,000
Cash-on-Cash Return
45.36%
Rent
$2,510
Monthly Cash Flow
$1,361
Annual Cash Flow
$16,328
Debt Service / Mo
$798
Property Tax / Mo
$1
Insurance / Mo
$99
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,510
Payment Standard
$2,952
Rent
$2,510
Insurance
$99
Property Tax
$1
Management
$251
Utilities Allowance
$442
NOI (Monthly)
$2,159
Debt Service
$798
Cash Flow After Debt
$1,361
Quality Score: 90.00%
Confidence: 95.00%
New-construction, all-electric 3BR/1.5BA home that appears inspection-ready. Visible finishes and installed appliances are modern and intact; safety features (smoke detectors, guardrails, egress windows) appear present. Major systems are reported and appear to be installed. Based on photos and listing, this unit is highly likely to pass an initial HCV/NSPIRE inspection with only minor punch-list items (final trim/landscaping, verification of panel/GFCIs, deadbolt if not installed).
Section 8 Payment Standard
$2,952
Utility Allowance Total
$442
Guaranteed Section 8 Rent (PS - Utilities)
$2,510
Property Management
$251
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$150,000
Beds
3
Baths
1.5
Living Area
1,500 sqft
Lot Size
2,178 sqft
Year Built
2025
Days on Market
79
Capital Outlay
$36,000
Debt Service
$798
Property Tax / Mo
$1
Insurance / Mo
$99
Property Description
You've never seen anything like this beautiful, brand-new, 3 bedroom/1.5 bathroom CBCLT home in Hazelwood! These homes are not only affordable, but also green and serene. Property offers solar panels, front and back porches, durable eco-friendly flooring, rain barrels, and an abundance of windows throughout. Fully electric with Energy Star appliances, this house is well-lit, well-insulated, and highly energy efficient-- all in a great location and ready for its first owner! With state-of-the art heating and cooling systems that filter and recirculate air for better indoor air quality, these homes are the first affordable homes in Pennsylvania to seek the Living Building Challenge Certification, a standard described as "the most advanced measure of sustainability in the built environment today." City of Bridges Community Land Trust envisions diverse communities where people thrive, build wealth, establish roots, and foster community ties without risk of displacement. If you thought homeownership was out of reach, City of Bridges Community Land Trust wants to empower you buy your first home. We're ready to help you explore the wide variety of affordable homeownership opportunities with CBCLT and get started on your homeownership journey!
Utility Allowances
Heating
$50
Selected 'electric heat pump' as the property is described as 'fully electric', 'highly energy efficient' with 'state-of-the art heating and cooling systems'.
Air Conditioning
$17
The property description mentions 'state-of-the art heating and cooling systems'.
Cooking
$14
Selected 'electric' as the property is 'fully electric' and includes an 'Electric Stove'.
Water Heating
$38
Selected 'electric' as the property is described as 'fully electric'.
Other Electric
$75
Standard allowance for general electricity usage (lights, outlets) in a 3-bedroom single-family home.
Water
$101
Standard utility for a single-family residence.
Sewer
$147
Inferred as a standard utility for a city residence connected to public water.
Refrigerator
$0
The allowance is $0 because the property's inclusion list explicitly states a 'Refrigerator' is provided by the landlord.
Range/Microwave
$0
The allowance is $0 because the property's inclusion list explicitly states an 'Electric Stove' (range) is provided. This allowance is for tenant-owned appliances.
Trash Collection
$0
The allowance schedule does not provide a value for this utility, indicating it is not a tenant-paid expense under this program.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf
https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf
https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf
https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/doing-business/landlord-resources/
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$831
DP3 Annual Estimate$1,549
DP1 Monthly Equivalent$69
DP3 Monthly Equivalent$129
Replacement Value$300,000
Basis1,500 sqft / 2025
Nearby Houses
Photo unavailable
4826 Chatsworth Ave
for_sale · 0.00 mi
Price: $150,000
3 bd / 1 ba · 1,500 sqft
Latest sale: —
Latest rent: —
Photo unavailable
152 Marsden St
sold · 0.06 mi
Price: $35,000
2 bd / 1 ba
Latest sale: $35,000 on Jun 30, 2022
Latest rent: —
Photo unavailable
4741 Irvine St
sold · 0.08 mi
Price: $75,000
— bd / — ba
Latest sale: $75,000 on Nov 18, 2025
Latest rent: —
Photo unavailable
160 Hazelwood Ave
off_market · 0.10 mi
Price: $69,000
4 bd / 2 ba · 1,474 sqft
Latest sale: $65,000 on Nov 28, 2025
Latest rent: —
Photo unavailable
218 Flowers Ave
for_sale · 0.10 mi
Price: $198,500
4 bd / 1 ba · 1,130 sqft
Latest sale: $10,000 on Aug 05, 2009
Latest rent: —
Photo unavailable
141 Tecumseh St
sold · 0.14 mi
Price: $149,900
3 bd / 2 ba
Latest sale: $149,900 on Apr 01, 2025
Latest rent: —
Photo unavailable
5011 Gertrude St
sold · 0.18 mi
Price: $28,500
2 bd / 1 ba · 1,064 sqft
Latest sale: $28,500 on Jul 05, 2023
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Property is new-construction (2025) as stated in listing and photos reflect final or near-final condition.
- Smoke detectors visible in photos are hard-wired and/or properly installed; additional detectors required by NSPIRE will be present or easily installed.
- Home is fully electric (per listing), so no combustion appliances exist and CO alarm requirement is likely not triggered by gas appliances.
- Electrical panel, water heater and HVAC equipment exist and are installed to code though not pictured; GFCI protection is assumed in kitchen/baths based on new construction standards.
- Entry door deadbolt is assumed present though not clearly visible in exterior photo; if missing this is a quick fix.
- No hidden structural or water-intrusion issues are inferred because finishes and exterior envelope appear new and intact; however unseen subsurface issues cannot be fully ruled out from photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $9 | $400 | $400 |
| 2024 | $9 | $400 | $400 |
| 2019 | $9 | $400 | $400 |
| 2018 | $9 | $400 | $400 |
| 2017 | $9 | $400 | $400 |
| 2016 | $9 | $400 | $400 |
| 2015 | $9 | $400 | $400 |
| 2014 | $8 | $400 | $400 |
| 2013 | $10 | $400 | $400 |
| 2012 | $21 | $700 | $700 |
| 2011 | $20 | $700 | $700 |
| 2010 | $20 | $700 | $700 |
| 2009 | $20 | $700 | $700 |
| 2008 | $20 | $700 | $700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-20 | Listed | $150,000 |
Photo Gallery
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"total": 400,
"building": null
}
},
{
"tax": 21,
"year": 2012,
"market": {
"land": 700,
"total": 700,
"building": null
},
"assessment": {
"land": 700,
"total": 700,
"building": null
}
},
{
"tax": 20,
"year": 2011,
"market": {
"land": 700,
"total": 700,
"building": null
},
"assessment": {
"land": 700,
"total": 700,
"building": null
}
},
{
"tax": 20,
"year": 2010,
"market": {
"land": 700,
"total": 700,
"building": null
},
"assessment": {
"land": 700,
"total": 700,
"building": null
}
},
{
"tax": 20,
"year": 2009,
"market": {
"land": 700,
"total": 700,
"building": null
},
"assessment": {
"land": 700,
"total": 700,
"building": null
}
},
{
"tax": 20,
"year": 2008,
"market": {
"land": 700,
"total": 700,
"building": null
},
"assessment": {
"land": 700,
"total": 700,
"building": null
}
}
],
"property_history": [
{
"date": "2026-01-20",
"price": 150000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-20T18:12:39Z",
"list_price": 150000,
"listing_id": "2990452646",
"last_update_date": "2026-01-21T15:08:35Z",
"last_status_change_date": "2026-01-20T18:12:39Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1737599",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Residential - mechanical - new construction",
"permit_effective_date": "Oct 1, 2025",
"permit_project_type_1": "Mechanical work",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Residential - building - new construction",
"permit_effective_date": "Mar 17, 2025",
"permit_project_type_1": "New construction",
"permit_project_type_2": "New construction (beta)",
"permit_project_type_3": "Residential"
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Residential - electrical - addition alteration",
"permit_effective_date": "Aug 16, 2024",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Home addition",
"permit_project_type_3": "Residential"
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Residential - electrical - addition alteration",
"permit_effective_date": "Apr 18, 2024",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Home addition",
"permit_project_type_3": "Residential"
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "9370090870",
"generated_at": "2026-02-24T23:36:49.426256Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 90.0
},
"utility_allowance": {
"zip_code": "15207",
"home_photo": "https://ap.rdcpix.com/c1f8b54bb4c37ce0515e1dd1f39dd490l-m3421128702s-w1280.jpg",
"rent_price": 2510.0,
"loan_amount": 120000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4824-Chatsworth-Ave_Pittsburgh_PA_15207_M93700-90870",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 150000.0,
"loan_term_years": 30,
"annual_cash_flow": 25908.73,
"mortgage_monthly": 798.36,
"payment_standard": 2952.0,
"total_amount_out": 30000.0,
"additional_photos": [
"https://ap.rdcpix.com/c1f8b54bb4c37ce0515e1dd1f39dd490l-m4109869445s-w1280.jpg",
"https://ap.rdcpix.com/c1f8b54bb4c37ce0515e1dd1f39dd490l-m3121575271s-w1280.jpg",
"https://ap.rdcpix.com/c1f8b54bb4c37ce0515e1dd1f39dd490l-m3593628693s-w1280.jpg",
"https://ap.rdcpix.com/c1f8b54bb4c37ce0515e1dd1f39dd490l-m3947150987s-w1280.jpg",
"https://ap.rdcpix.com/c1f8b54bb4c37ce0515e1dd1f39dd490l-m1756322952s-w1280.jpg",
"https://ap.rdcpix.com/c1f8b54bb4c37ce0515e1dd1f39dd490l-m3744632989s-w1280.jpg",
"https://ap.rdcpix.com/c1f8b54bb4c37ce0515e1dd1f39dd490l-m2422185418s-w1280.jpg",
"https://ap.rdcpix.com/c1f8b54bb4c37ce0515e1dd1f39dd490l-m3728457650s-w1280.jpg",
"https://ap.rdcpix.com/c1f8b54bb4c37ce0515e1dd1f39dd490l-m2153290050s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 99.17,
"monthly_cash_flow": 2159.06,
"property_tax_rate": 0.0168,
"_utility_allowance": {
"sources": [
"https://hacp.org/app/uploads/2025/10/2026-HCV-Utility-Allowance-Schedule.pdf",
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'electric heat pump' as the property is described as 'fully electric', 'highly energy efficient' with 'state-of-the art heating and cooling systems'.",
"utility": "Heating",
"allowance": 50
},
{
"note": "The property description mentions 'state-of-the art heating and cooling systems'.",
"utility": "Air Conditioning",
"allowance": 17
},
{
"note": "Selected 'electric' as the property is 'fully electric' and includes an 'Electric Stove'.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Selected 'electric' as the property is described as 'fully electric'.",
"utility": "Water Heating",
"allowance": 38
},
{
"note": "Standard allowance for general electricity usage (lights, outlets) in a 3-bedroom single-family home.",
"utility": "Other Electric",
"allowance": 75
},
{
"note": "Standard utility for a single-family residence.",
"utility": "Water",
"allowance": 101
},
{
"note": "Inferred as a standard utility for a city residence connected to public water.",
"utility": "Sewer",
"allowance": 147
},
{
"note": "The allowance is $0 because the property's inclusion list explicitly states a 'Refrigerator' is provided by the landlord.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The allowance is $0 because the property's inclusion list explicitly states an 'Electric Stove' (range) is provided. This allowance is for tenant-owned appliances.",
"utility": "Range/Microwave",
"allowance": 0
},
{
"note": "The allowance schedule does not provide a value for this utility, indicating it is not a tenant-paid expense under this program.",
"utility": "Trash Collection",
"allowance": 0
}
],
"cash_on_cash_return": 0.86,
"down_payment_amount": 30000.0,
"property_tax_annual": 9.27,
"property_tax_monthly": 0.77,
"property_tax_increase": 0.03,
"utility_allowance_total": 442.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf",
"https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/doing-business/landlord-resources/"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 16328.37,
"property_management_monthly": 251.0,
"monthly_cash_flow_after_debt": 1360.7,
"cash_on_cash_return_after_debt": 0.54
},
"section8_assessment": {
"runs": [
{
"summary": "New-construction, all-electric 3BR/1.5BA home that appears inspection-ready. Visible finishes and installed appliances are modern and intact; safety features (smoke detectors, guardrails, egress windows) appear present. Major systems are reported and appear to be installed. Based on photos and listing, this unit is highly likely to pass an initial HCV/NSPIRE inspection with only minor punch-list items (final trim/landscaping, verification of panel/GFCIs, deadbolt if not installed).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 92.0,
"rationale": "Property is brand-new construction (listing states 2025) with modern finishes, intact flooring, cabinetry and tile, and installed kitchen appliances (range, fridge, dishwasher, microwave). Interior photos show no visible cosmetic damage, stains, or deferred maintenance. Minor punch-list items common to new homes (trim touch-ups, landscaping) may remain, but nothing visible that would materially delay a pass."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 90.0,
"rationale": "Home appears to meet primary NSPIRE safety checkpoints: smoke detector(s) visible in interior shots, adequate bedroom egress windows, secure-looking entry and deck guardrails, no exposed wiring or visible plumbing leaks, and no mold staining. Property is all-electric (listing) so carbon monoxide alarm requirement is likely not triggered by combustion appliances. Some items cannot be visually confirmed (electrical panel labeling, GFCI operation, deadbolt presence on entry door), but new construction makes compliance likely."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 90.0,
"rationale": "Listing describes state-of-the-art heating and cooling and Energy Star appliances; photos show modern appliances and finished mechanical-grade spaces. No visible roof or plumbing damage; water heater/electrical panel are not pictured but new-construction inference supports operational systems. Because some systems (panel, hot water heater, mechanical closets) are not visible, limited verification reduces score slightly from perfect."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Exterior photos show new siding/panels, stable raised deck with metal guardrails, installed fencing, gravel perimeter for drainage and rain chains, and no visible foundation cracks or standing water. Yard is narrow and adjacent to vacant/industrial lot which is a site quality consideration but not an NSPIRE fail. Minor landscaping/finish grading appears incomplete (gravel/weed areas)."
}
],
"red_flags": [],
"confidence": 0.8,
"assumptions": [
"Property is new-construction (2025) as stated in listing and photos reflect final or near-final condition.",
"Smoke detectors visible in photos are hard-wired and/or properly installed; additional detectors required by NSPIRE will be present or easily installed.",
"Home is fully electric (per listing), so no combustion appliances exist and CO alarm requirement is likely not triggered by gas appliances.",
"Electrical panel, water heater and HVAC equipment exist and are installed to code though not pictured; GFCI protection is assumed in kitchen/baths based on new construction standards.",
"Entry door deadbolt is assumed present though not clearly visible in exterior photo; if missing this is a quick fix.",
"No hidden structural or water-intrusion issues are inferred because finishes and exterior envelope appear new and intact; however unseen subsurface issues cannot be fully ruled out from photos."
],
"overall_score": 90.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This is a brand-new construction home with modern finishes and installed electric appliances; based on photos and listing text it is highly likely to pass an initial Section 8 (NSPIRE) inspection with minimal punch-list items. Main remaining verification items for inspection readiness are correct placement/operation of smoke detectors (inside/near bedrooms and on each level), presence/placement of any required carbon monoxide alarm per local code, visible GFCI protection at kitchen/bath outlets, and confirmation of operational HVAC, water heater and electrical panel. None of the photos show structural or immediate life-safety failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 95.0,
"rationale": "Property appears brand-new (listed year-built 2025) with new flooring, finished drywall, cabinetry and modern fixtures. Photos show installed stainless appliances (range, microwave, refrigerator, dishwasher), finished countertops, intact doors and trim, and no visible cosmetic defects. There are no visible deferred-maintenance items. Missing minor punch-list items (if any) are likely cosmetic and easy-to-fix."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 85.0,
"rationale": "Overall safety features appear well-addressed: exterior entries have railings and secure-looking doors; bedroom windows appear to meet egress size visually; balconies/steps have guardrails. I can see at least one ceiling-mounted detector in living/bath areas. Unknowns that reduce score slightly: smoke detectors are not clearly visible inside each bedroom in the provided photos, carbon-monoxide alarm is not shown (property is fully electric per listing so CO requirement may not apply), and GFCI receptacles in kitchen/bath are not clearly visible. No exposed wiring, visible water intrusion, or trip hazards were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 88.0,
"rationale": "Listing describes state-of-the-art heating and cooling with air filtration and solar panels; photos show modern, Energy Star electric appliances. As new construction, plumbing, electrical and HVAC are likely newly installed. Lowered slightly because key system items (HVAC equipment, water heater, electrical panel, and visible service connections) are not shown in photos — these need verification but are expected to be present and code-compliant given the new build status."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 92.0,
"rationale": "Exterior photos show a new façade, intact siding/panels, secure metal railings, finished steps, and a vinyl privacy fence. Gravel drainage strip and rain barrels are noted in listing; rain chains/downspouts are visible. Yard is small but tidy; no standing water or obvious erosion observed. The foundation and roof edges visible in photos show no signs of damage. Minor observation: underside of deck area is open to grade (standard for elevated decks) — no evidence of infestation or active problems visible."
}
],
"red_flags": [],
"confidence": 0.85,
"assumptions": [
"Property photos are current and represent final completed construction/finishes.",
"Listing statement that the home is 'fully electric' is accurate; there are no gas appliances or attached garages creating CO risks.",
"Mechanical systems (HVAC, water heater, electrical panel) are installed and operational per the listing but were not photographed.",
"Smoke detectors and required alarms are installed but not all are visible in the provided photos; if missing in bedrooms they would need to be added before inspection.",
"GFCI protection in kitchen and bathrooms is present but not clearly visible in images and should be confirmed.",
"Solar panels and rain barrels mentioned in listing are installed though not visible in provided exterior photos."
],
"overall_score": 90.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "This is a brand-new, well-finished single-family home that is highly likely to pass an initial Housing Choice Voucher (NSPIRE) inspection with minimal preparation. Interior and exterior photos show new code‑quality work, installed appliances, secure stair/guardrails, and no visible safety hazards or water intrusion. Confirmatory checks required before move‑in: verify smoke detector locations and operation, GFCI protection in kitchen/bath, presence/operation of water heater and HVAC commissioning, and that an entry deadbolt is installed. With those quick verifications and any minor punchlist items addressed, the property is turnkey for Section 8 tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 95.0,
"rationale": "Photos and listing indicate brand-new construction (year built 2025), modern finishes, new flooring, cabinetry, countertops, and installed appliances (fridge, range, microwave, dishwasher visible). Interior surfaces and fixtures show no visible wear or deferred maintenance. Minor finish items (e.g., outlet cover visibility in photos is limited) are normal turnover items. Missing items: none observed. Overall cosmetic and repair condition is turnkey."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 88.0,
"rationale": "No visible life‑threatening hazards: no ceiling collapse, no visible water stains, no exposed wiring, handrail present on interior stair and guardrails on exterior deck. A ceiling smoke/CO style device is visible in at least one photo; multiple recessed lights and ceiling fixtures also visible. Bedrooms show windows likely large enough for egress. Entry door appears solid; deadbolt not clearly visible but modern units typically include one. Uncertainties: GFCI protection at kitchen counters not clearly visible in photos, electrical panel location not shown, CO detector requirements depend on local code (home is fully electric per listing). Given new construction and code-forward project description (Living Building Challenge, Energy Star) risk of missing basic safety items is low but verify GFCI outlets, proper placement of smoke detectors (one in corridors/near sleeping areas), and deadbolt before move-in."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 85.0,
"rationale": "Listing states state-of-the-art heating and cooling (air filtration/recirculation) and home is fully electric with solar panels and Energy Star appliances. No visible evidence of system failure in photos. Water heating equipment and electrical service/distribution panel are not shown; plumbing fixtures visible and appear new. Roof and foundation not fully visible from photos but exterior elevation appears new and sound. Remaining risk is typical for new builds where final commissioning/inspection of HVAC, water heater, electrical panel and hot water availability must be confirmed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 90.0,
"rationale": "Exterior cladding, siding and trim appear new and intact. Front and rear porches, deck stairs and metal guardrails look professionally installed and secure. Yard is graded with rock beds and a vinyl fence; drainage provisions (gravel, downspout/rain chain visible) appear present. No standing water, major erosion, or significant exterior deterioration visible. Minor landscaping finish work likely but nothing that would fail NSPIRE standards."
}
],
"red_flags": [],
"confidence": 0.8,
"assumptions": [
"Property is completed per listing (new construction, 2025) and systems (HVAC, water heater, electrical service) have been installed and commissioned although not shown in photos.",
"Smoke detector(s) are installed (one device visible in photos); additional detectors in required locations are assumed but should be verified.",
"Because the home is fully electric, no carbon monoxide alarm is assumed to be required by local code for fuel-burning appliances; however a CO alarm may still be advisable if local ordinance requires it.",
"GFCI protection at kitchen countertop and bathroom outlets is not clearly visible in photos and should be confirmed during inspection.",
"Electrical panel location and labeling not shown; assumed to be code-compliant for a new build but should be confirmed.",
"Bedroom windows pictured are assumed to meet egress size requirements for sleeping rooms, based on visible dimensions in photos.",
"No visible mold, active leaks, structural sagging, or major exterior failures were observed in photos; absence of visible distress supports lower risk of hidden defects."
],
"overall_score": 90.0,
"rubric_version": "2026-02-24_nsipre_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4824 Chatsworth Ave, Pittsburgh, PA, 15207",
"aggregate": {
"summary": "New-construction, all-electric 3BR/1.5BA home that appears inspection-ready. Visible finishes and installed appliances are modern and intact; safety features (smoke detectors, guardrails, egress windows) appear present. Major systems are reported and appear to be installed. Based on photos and listing, this unit is highly likely to pass an initial HCV/NSPIRE inspection with only minor punch-list items (final trim/landscaping, verification of panel/GFCIs, deadbolt if not installed).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 94.0,
"rationale": "Property is brand-new construction (listing states 2025) with modern finishes, intact flooring, cabinetry and tile, and installed kitchen appliances (range, fridge, dishwasher, microwave). Interior photos show no visible cosmetic damage, stains, or deferred maintenance. Minor punch-list items common to new homes (trim touch-ups, landscaping) may remain, but nothing visible that would materially delay a pass."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 89.0,
"rationale": "Exterior photos show new siding/panels, stable raised deck with metal guardrails, installed fencing, gravel perimeter for drainage and rain chains, and no visible foundation cracks or standing water. Yard is narrow and adjacent to vacant/industrial lot which is a site quality consideration but not an NSPIRE fail. Minor landscaping/finish grading appears incomplete (gravel/weed areas)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 87.7,
"rationale": "Home appears to meet primary NSPIRE safety checkpoints: smoke detector(s) visible in interior shots, adequate bedroom egress windows, secure-looking entry and deck guardrails, no exposed wiring or visible plumbing leaks, and no mold staining. Property is all-electric (listing) so carbon monoxide alarm requirement is likely not triggered by combustion appliances. Some items cannot be visually confirmed (electrical panel labeling, GFCI operation, deadbolt presence on entry door), but new construction makes compliance likely."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 87.7,
"rationale": "Listing describes state-of-the-art heating and cooling and Energy Star appliances; photos show modern appliances and finished mechanical-grade spaces. No visible roof or plumbing damage; water heater/electrical panel are not pictured but new-construction inference supports operational systems. Because some systems (panel, hot water heater, mechanical closets) are not visible, limited verification reduces score slightly from perfect."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Property is new-construction (2025) as stated in listing and photos reflect final or near-final condition.",
"Smoke detectors visible in photos are hard-wired and/or properly installed; additional detectors required by NSPIRE will be present or easily installed.",
"Home is fully electric (per listing), so no combustion appliances exist and CO alarm requirement is likely not triggered by gas appliances.",
"Electrical panel, water heater and HVAC equipment exist and are installed to code though not pictured; GFCI protection is assumed in kitchen/baths based on new construction standards.",
"Entry door deadbolt is assumed present though not clearly visible in exterior photo; if missing this is a quick fix.",
"No hidden structural or water-intrusion issues are inferred because finishes and exterior envelope appear new and intact; however unseen subsurface issues cannot be fully ruled out from photos."
],
"score_method": "mean_of_criteria",
"overall_score": 90.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9370090870"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.