Property ID: 9404208633
18660 County Road 20, Forest, OH, 45843
Forest, OH
Money Down: $40,800
CoC Return: -9.17%
Monthly Cash Flow: $-312
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$34,000
Closing Costs
$6,800
Total Down
$40,800
Investment Snapshot
Purchase Price
$170,000
Money Down
$40,800
Cash-on-Cash Return
-9.17%
Rent
$946
Monthly Cash Flow
$-312
Annual Cash Flow
$-3,741
Debt Service / Mo
$905
Property Tax / Mo
$159
Insurance / Mo
$100
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$946
Payment Standard
$1,230
Rent
$946
Insurance
$100
Property Tax
$159
Management
$95
Utilities Allowance
$284
NOI (Monthly)
$593
Debt Service
$905
Cash Flow After Debt
$-312
Quality Score: 67.30%
Confidence: 93.00%
Overall this property appears largely cosmetically renovated and close to rent-ready, with a new roof/siding, fresh interior finishes and updated bathrooms and flooring. The main inspection risks are the damaged front concrete steps and the absence of a handrail (likely an automatic fail until corrected), a boarded sunroom window indicating localized repair and potential water intrusion, and visible yard clutter/abandoned vehicle that create pest/trip hazards. Major mechanical systems (heating, hot water, electrical panel) were not documented in photos and should be verified. With targeted corrections (install handrail and repair/replace front steps, install/verify smoke & CO detectors, clear yard/debris, repair boarded window, confirm functioning HVAC and hot water, and install missing kitchen appliances) the home should pass an initial HCV/NSPIRE inspection and be rentable within a few weeks.
Section 8 Payment Standard
$1,230
Utility Allowance Total
$284
Guaranteed Section 8 Rent (PS - Utilities)
$946
Property Management
$95
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$170,000
Beds
3
Baths
2
Living Area
2,288 sqft
Lot Size
23,087 sqft
Year Built
1976
Days on Market
117
Capital Outlay
$40,800
Debt Service
$905
Property Tax / Mo
$159
Insurance / Mo
$100
Property Description
Welcome to 18660 County Rd 20, Forest, Ohio! This beautifully updated home features 3 bedrooms and 2 full bathrooms with a finished basement, offering plenty of space and flexibility. Recent upgrades include a new roof, new siding, fresh exterior paint, new doors, a completely updated kitchen, new flooring throughout, fresh interior paint, and brand-new bathrooms. Move-in ready with modern updates from top to bottom-this home is a must-see!
Utility Allowances
heating
$82
Selected 'electric' as the fuel source. The property description does not specify the heating fuel. Electric was chosen as a common default and is the more expensive option compared to natural gas on the schedule.
cooking
$13
Selected 'electric' as the fuel source. The property description does not specify the cooking fuel. Electric was chosen for consistency with the heating fuel assumption.
water_heating
$41
Selected 'electric' as the fuel source. The property description does not specify the water heating fuel. Electric was chosen for consistency with other assumed utilities.
other_electric
$39
This is a standard allowance for general electricity consumption (lights, outlets) for a unit of this size.
water
$32
Property details indicate 'Water Source: Public'. This allowance is for tenant-paid public water.
sewer
$36
Property details indicate 'Sewer: Public Sewer'. This allowance is for tenant-paid public sewer.
trash_collection
$25
Standard allowance for trash collection service, which is typically a tenant expense in single-family homes.
refrigerator
$8
The property listing and photos do not indicate a refrigerator is provided, so this allowance for a tenant-owned appliance is included.
range
$8
The property listing and photos do not indicate a range/oven is provided, so this allowance for a tenant-owned appliance is included.
air_conditioning
$0
The property has 'Central Air', but the utility schedule explicitly lists a null or zero allowance for this utility for all bedroom sizes.
Source References
Payment Standard Source
Effective Date:
Dec 01, 2025
Utility Allowance Source
Effective Date:
Aug 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,170
DP3 Annual Estimate$1,223
DP1 Monthly Equivalent$98
DP3 Monthly Equivalent$102
Replacement Value$300,000
Basis2,288 sqft / 1976
Nearby Houses
Photo unavailable
619 W Gage St
sold · 0.05 mi
Price: $20,000
3 bd / 2 ba · 1,580 sqft
Latest sale: $20,000 on Jan 04, 2019
Latest rent: —
Photo unavailable
620 Chestnut St
sold · 0.07 mi
Price: $134,900
4 bd / 2 ba · 1,760 sqft
Latest sale: $134,900 on Aug 31, 2017
Latest rent: —
Photo unavailable
617 W Gage St
for_sale · 0.07 mi
Price: $189,900
4 bd / 2 ba · 1,984 sqft
Latest sale: $54,000 on Jun 24, 2025
Latest rent: —
Photo unavailable
615 W Gage St
sold · 0.09 mi
Price: $124,000
2 bd / 1 ba · 1,188 sqft
Latest sale: $124,000 on Jan 30, 2026
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.15 mi
Price: $77,500
3 bd / 1 ba · 1,732 sqft
Latest sale: $77,500
Latest rent: —
Photo unavailable
108 N Campbell St
sold · 0.18 mi
Price: $9,000
2 bd / 1 ba · 672 sqft
Latest sale: $9,000 on Jan 30, 2025
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Front concrete steps are cracked/deteriorated and there is no visible handrail — unsafe stairs / broken handrail (probable inspection fail).
- Sunroom has a boarded window and visible soiling on the foundation/lattice — possible water intrusion/rot requiring repair.
- Yard contains an abandoned vehicle, debris and a dilapidated outbuilding — pest, safety and egress/obstruction concerns; requires cleanup.
- No smoke detectors or carbon monoxide detectors are visible in interior photos — required safety items must be present and functional.
- Kitchen appears to be missing a stove/range (gap under hood) and no refrigerator is shown — appliances should be provided/verified for move-in.
Assumptions
- Listing statement that roof, siding, doors, bathrooms, flooring and interior paint are recent is accurate and is reflected in photos.
- Kitchen does not currently contain a range/stove (visible gap beneath hood) and no refrigerator is shown; these appliances will need verification/installation prior to move-in but are not counted as structural failures.
- Heating and hot water systems are present but were not photographed; their functionality is unverified and should be tested prior to inspection.
- Smoke and carbon monoxide detectors are not visible in available interior photos; assume they may be missing or not shown and must be confirmed/installed.
- Interior photos show no visible active leaks, severe mold, collapsed ceilings, or major structural sagging; therefore structural failure is not inferred from available imagery.
- Bedroom egress windows are assumed to meet minimum egress based on visible window size in bedroom photos, but lower-level bedrooms (if any) should be verified for egress compliance.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 1997-11-03 | Sold | $42,500 |
Photo Gallery
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"effective_date": "2025-08-01"
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{
"note": "Selected 'electric' as the fuel source. The property description does not specify the heating fuel. Electric was chosen as a common default and is the more expensive option compared to natural gas on the schedule.",
"utility": "heating",
"allowance": 82
},
{
"note": "Selected 'electric' as the fuel source. The property description does not specify the cooking fuel. Electric was chosen for consistency with the heating fuel assumption.",
"utility": "cooking",
"allowance": 13
},
{
"note": "Selected 'electric' as the fuel source. The property description does not specify the water heating fuel. Electric was chosen for consistency with other assumed utilities.",
"utility": "water_heating",
"allowance": 41
},
{
"note": "This is a standard allowance for general electricity consumption (lights, outlets) for a unit of this size.",
"utility": "other_electric",
"allowance": 39
},
{
"note": "Property details indicate 'Water Source: Public'. This allowance is for tenant-paid public water.",
"utility": "water",
"allowance": 32
},
{
"note": "Property details indicate 'Sewer: Public Sewer'. This allowance is for tenant-paid public sewer.",
"utility": "sewer",
"allowance": 36
},
{
"note": "Standard allowance for trash collection service, which is typically a tenant expense in single-family homes.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "The property listing and photos do not indicate a refrigerator is provided, so this allowance for a tenant-owned appliance is included.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "The property listing and photos do not indicate a range/oven is provided, so this allowance for a tenant-owned appliance is included.",
"utility": "range",
"allowance": 8
},
{
"note": "The property has 'Central Air', but the utility schedule explicitly lists a null or zero allowance for this utility for all bedroom sizes.",
"utility": "air_conditioning",
"allowance": 0
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],
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"runs": [
{
"summary": "Overall this property appears largely cosmetically renovated and close to rent-ready, with a new roof/siding, fresh interior finishes and updated bathrooms and flooring. The main inspection risks are the damaged front concrete steps and the absence of a handrail (likely an automatic fail until corrected), a boarded sunroom window indicating localized repair and potential water intrusion, and visible yard clutter/abandoned vehicle that create pest/trip hazards. Major mechanical systems (heating, hot water, electrical panel) were not documented in photos and should be verified. With targeted corrections (install handrail and repair/replace front steps, install/verify smoke & CO detectors, clear yard/debris, repair boarded window, confirm functioning HVAC and hot water, and install missing kitchen appliances) the home should pass an initial HCV/NSPIRE inspection and be rentable within a few weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior photos show recent paint, new carpeting and updated bathrooms/kitchen surfaces consistent with the listing; counters and sink appear serviceable. Exterior siding and roof appear recently replaced per listing and photos. Visible repair needs: cracked/broken concrete steps and front stoop, missing/loose concrete pieces at entry, a boarded window on the sunroom, yard clutter and an abandoned vehicle, and an older outbuilding in poor condition. Kitchen appears to be missing a stove/range (gap under hood). These are mostly fixable, mostly cosmetic or capital items; the broken steps and boarding require timely repair but don't indicate major structural failure."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Photos show multiple safety concerns: front concrete steps are damaged and lack a visible handrail (unsafe stairs / trip fall hazard), which is often an automatic fail until corrected. No smoke detectors or carbon monoxide detectors are visible in interior photos (required). The sunroom has a boarded window (possible rot/water intrusion). No exposed electrical hazards are evident in photos and bedrooms show usable windows that likely provide egress. GFCI presence in kitchen/bath cannot be confirmed. Plumbing fixtures (kitchen sink) appear intact. Overall: a mix of passable items but at least one probable inspection failure (missing handrail / damaged steps) and possible detector noncompliance."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "Listing and photos indicate a new roof and new exterior (positive for envelope). No visible interior HVAC equipment or water heater in photos; an exterior unit near the foundation is visible in one view which suggests central HVAC may be present, but operation is unverified. Electrical panel and water heater were not shown. No signs of active roof leaks or ceiling stains in interior photos. Because systems are plausible but not documented visually, allow moderate score with recommendation to verify heating, hot water, electrical panel condition, and presence/operation of HVAC and water heater prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 60.0,
"rationale": "Siding and roof appear new and in good condition. Yard shows clutter, an abandoned vehicle and an aged metal shed which present aesthetic and possible pest/infestation attractants. The rear sunroom foundation/lattice shows mildew/soiling and has a boarded window. Front driveway/stairs have deterioration and loose concrete. Grading/drainage near foundation is not clearly documented but downspouts are visible. Overall the envelope appears recently improved but site cleanup and repair of steps/porch and removal of junk/vehicle are needed for safe, code-compliant rental readiness."
}
],
"red_flags": [
"Front concrete steps are cracked/deteriorated and there is no visible handrail — unsafe stairs / broken handrail (probable inspection fail).",
"Sunroom has a boarded window and visible soiling on the foundation/lattice — possible water intrusion/rot requiring repair.",
"Yard contains an abandoned vehicle, debris and a dilapidated outbuilding — pest, safety and egress/obstruction concerns; requires cleanup.",
"No smoke detectors or carbon monoxide detectors are visible in interior photos — required safety items must be present and functional.",
"Kitchen appears to be missing a stove/range (gap under hood) and no refrigerator is shown — appliances should be provided/verified for move-in."
],
"confidence": 0.6,
"assumptions": [
"Listing statement that roof, siding, doors, bathrooms, flooring and interior paint are recent is accurate and is reflected in photos.",
"Kitchen does not currently contain a range/stove (visible gap beneath hood) and no refrigerator is shown; these appliances will need verification/installation prior to move-in but are not counted as structural failures.",
"Heating and hot water systems are present but were not photographed; their functionality is unverified and should be tested prior to inspection.",
"Smoke and carbon monoxide detectors are not visible in available interior photos; assume they may be missing or not shown and must be confirmed/installed.",
"Interior photos show no visible active leaks, severe mold, collapsed ceilings, or major structural sagging; therefore structural failure is not inferred from available imagery.",
"Bedroom egress windows are assumed to meet minimum egress based on visible window size in bedroom photos, but lower-level bedrooms (if any) should be verified for egress compliance."
],
"overall_score": 66.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "This 3BR/2BA home shows many recent upgrades (new roof, siding, interior paint, flooring, updated bathrooms) and appears largely move-in ready from a cosmetic and systems-likelihood perspective. Primary inspection risks observed: damaged front steps with no handrail (unsafe egress), a boarded/blocked sunroom window (possible egress issue), yard clutter/abandoned vehicle, and no visible smoke/CO detectors. Mechanical systems show indications of being present (exterior AC unit, new roof) but major components (furnace, water heater, electrical panel) were not photographed and should be verified. If the front steps/handrail, the boarded window, smoke/CO detectors and site cleanup are addressed and mechanicals test OK, the property is likely to pass an initial HCV/NSPIRE inspection with minor repairs (rent-ready within ~2–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos and listing indicate recent cosmetic upgrades (new paint, new flooring, updated bathrooms and kitchen surfaces). Carpeting and ceilings appear in good condition. Observable concrete front steps are cracked and partially collapsed and there is exterior debris/clutter in the yard (old vehicle, shed). Kitchen is missing a range in the visible cutout which reduces readiness but is not a structural failure. Overall mostly cosmetic/minor repairs with a few location-specific repairs required (front steps, clean-up, install range/refrigerator if provided)."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "Visible safety concerns: the front entry stairs are damaged and lack a handrail (creates an unsafe egress and would likely fail an inspection until repaired/handrail installed). The sunroom has a boarded panel in a window which could affect egress and needs repair. No smoke or CO detectors are visible in photos (if not present these must be installed). No exposed wiring or obvious active leaks visible, and windows appear intact for bedroom egress. Yard clutter and an abandoned vehicle raise trip/infestation and exterior-safety concerns. These issues are repairable but are inspection risks that must be corrected prior to pass."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Listing states a new roof and new siding; roof appears in good visual condition in photos. An exterior HVAC condenser/AC unit is visible at the rear, indicating central HVAC presence (likely operational but unconfirmed). Plumbing fixtures shown (kitchen sink) appear intact. Electrical panel, GFCI locations, water heater and furnace are not shown; absence of visible equipment creates uncertainty. Given recent renovations and visible AC unit, systems are likely functional but need standard verification (furnace operation, hot water, electrical panel, GFCI outlets)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "Exterior siding and roof look recently replaced and in good visual condition. Foundation and basement windows appear intact. However, the front concrete steps/walkway are broken and need repair. The yard contains an abandoned vehicle, a small metal outbuilding showing wear, and scattered debris which affect curb appeal and may create inspection complaints. Drainage appears typical for a rural lot; downspouts are present. Overall the envelope is in fair shape but site cleanup and repair of steps/walkway are needed."
}
],
"red_flags": [
"Broken/partially collapsed front concrete steps and no handrail (unsafe stairs / failed egress risk).",
"Boarded window on rear sunroom that may block emergency egress.",
"No visible smoke and carbon monoxide detectors in interior photos (code requirement; could cause immediate fail).",
"Exterior clutter and an abandoned vehicle on the lot that present trip/infestation and site-safety concerns and may violate local property standards."
],
"confidence": 0.65,
"assumptions": [
"Listing text is accurate: roof and siding were recently replaced and interior bathrooms/flooring were updated.",
"No smoke or carbon monoxide detectors were visible in photos; assume they are not installed or not documented and thus need verification/installation.",
"An exterior HVAC condenser visible at the rear indicates a central HVAC system exists and is likely operational, but the furnace/water heater/electrical panel were not photographed and must be verified.",
"Kitchen currently lacks a freestanding range (visible empty space under hood) — appliances may not be included; missing range reduces readiness moderately but is not an automatic fail.",
"No rental history within 5 years (rental_history_last_5y.status = missing) — rental history not factored into overall score.",
"No visible signs of active roof leaks, major foundation movement, or collapsed ceilings in provided photos; assume none present unless discovered on-site."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This property appears largely move-in ready for Section 8 with recent major exterior and interior updates (new roof, siding, flooring, bathrooms). Major systems appear intact from photos, but inspection risks that commonly fail NSPIRE remain: missing/undocumented smoke and CO detectors, likely missing GFCI in kitchen, and an unsafe front stair condition (broken steps and missing handrail). Exterior cleanup (abandoned vehicle, debris) and repair to the sunroom/boarding are needed. With targeted fixes (install detectors, add handrail/repair steps, verify HVAC/water heater/electrical, remove debris, install required GFCI outlets and appliances if needed), the home should pass an initial voucher inspection within ~1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Listing and photos show extensive recent renovations (new roof, new siding, fresh interior/exterior paint, new flooring, updated bathrooms and kitchen). Interior finishes and carpets look new; no visible major drywall or ceiling collapse. Deductions for broken/uneven front concrete steps, missing front stair handrail, boarded/partially damaged sunroom window and exterior skirt staining, and yard cleanup (abandoned vehicle and debris). Kitchen appears to be missing a range/stove; cabinetry and counters are serviceable. Overall largely cosmetic and small repair items rather than major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No visible severe electrical hazards, no evidence of active roof leaks or collapsed ceilings. However photos do not show smoke detectors, CO alarms, or GFCI-protected kitchen outlets — these items commonly cause NSPIRE failures if missing. Front entry stairs lack a handrail and concrete steps are damaged (trip/fall hazard), which is an inspection failure risk. Bedroom egress appears likely (standard sash windows visible) but not fully confirmed. Because smoke/CO/GFCI presence is unknown and there is an obvious unsafe stair issue, safety risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Listing reports a new roof and photos show a newer roof and new siding; exterior shows what appears to be an exterior HVAC condenser near the foundation (suggesting central HVAC present). No visible plumbing leaks or water intrusion, and basement and ceilings look dry. Electrical panel, water heater, furnace and hot water status are not shown so scored conservatively. Given recent updates and absence of visible system failure, systems score is above average but reduced for lack of on-site confirmation of operational heating, water heater, and electrical panel labeling."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 65.0,
"rationale": "Exterior siding, roof and windows generally in good visual condition. Rear sunroom shows boarded opening and skirt staining that needs repair; front concrete walks/steps are cracked and uneven; yard contains an abandoned vehicle and debris/containers that require removal. Driveway shows surface wear. Drainage away from foundation looks reasonable from photos, no standing water observed. Overall functional but needs exterior cleanup and minor repairs."
}
],
"red_flags": [
"Front concrete steps are cracked/uneven and there is no handrail — unsafe stairs/trip-fall hazard and likely NSPIRE fail.",
"Sunroom has a boarded window and skirt staining suggesting prior damage and needed repairs.",
"Yard contains abandoned vehicle and debris — sanitation/infestation and property maintenance issue that must be remedied.",
"No visible smoke detectors, CO alarms, or GFCI outlets in photos — these items commonly cause inspection failures if absent."
],
"confidence": 0.7,
"assumptions": [
"New roof and siding noted in listing are complete and watertight (no active leaks visible).",
"There is a central HVAC system or condenser present (unit visible near foundation), but operational status not confirmed.",
"No smoke detectors, carbon monoxide alarms, or GFCI outlets are visible in listing photos; assume they may be missing or not properly located unless provided by owner.",
"Kitchen currently lacks a visible range/stove in photos; assume appliances may not be included or not shown.",
"Interior plumbing and hot water are functioning unless inspection reveals otherwise (no visible leaks or water damage).",
"Bedroom windows provide egress but exact sizes and compliance with egress dimensions are not confirmed from photos.",
"Boarded sunroom window indicates localized damage/repair needed but not full structural failure of the home."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "18660 County Road 20, Forest, OH, 45843",
"aggregate": {
"summary": "Overall this property appears largely cosmetically renovated and close to rent-ready, with a new roof/siding, fresh interior finishes and updated bathrooms and flooring. The main inspection risks are the damaged front concrete steps and the absence of a handrail (likely an automatic fail until corrected), a boarded sunroom window indicating localized repair and potential water intrusion, and visible yard clutter/abandoned vehicle that create pest/trip hazards. Major mechanical systems (heating, hot water, electrical panel) were not documented in photos and should be verified. With targeted corrections (install handrail and repair/replace front steps, install/verify smoke & CO detectors, clear yard/debris, repair boarded window, confirm functioning HVAC and hot water, and install missing kitchen appliances) the home should pass an initial HCV/NSPIRE inspection and be rentable within a few weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 76.0,
"rationale": "Interior photos show recent paint, new carpeting and updated bathrooms/kitchen surfaces consistent with the listing; counters and sink appear serviceable. Exterior siding and roof appear recently replaced per listing and photos. Visible repair needs: cracked/broken concrete steps and front stoop, missing/loose concrete pieces at entry, a boarded window on the sunroom, yard clutter and an abandoned vehicle, and an older outbuilding in poor condition. Kitchen appears to be missing a stove/range (gap under hood). These are mostly fixable, mostly cosmetic or capital items; the broken steps and boarding require timely repair but don't indicate major structural failure."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 61.7,
"rationale": "Siding and roof appear new and in good condition. Yard shows clutter, an abandoned vehicle and an aged metal shed which present aesthetic and possible pest/infestation attractants. The rear sunroom foundation/lattice shows mildew/soiling and has a boarded window. Front driveway/stairs have deterioration and loose concrete. Grading/drainage near foundation is not clearly documented but downspouts are visible. Overall the envelope appears recently improved but site cleanup and repair of steps/porch and removal of junk/vehicle are needed for safe, code-compliant rental readiness."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Photos show multiple safety concerns: front concrete steps are damaged and lack a visible handrail (unsafe stairs / trip fall hazard), which is often an automatic fail until corrected. No smoke detectors or carbon monoxide detectors are visible in interior photos (required). The sunroom has a boarded window (possible rot/water intrusion). No exposed electrical hazards are evident in photos and bedrooms show usable windows that likely provide egress. GFCI presence in kitchen/bath cannot be confirmed. Plumbing fixtures (kitchen sink) appear intact. Overall: a mix of passable items but at least one probable inspection failure (missing handrail / damaged steps) and possible detector noncompliance."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 66.7,
"rationale": "Listing and photos indicate a new roof and new exterior (positive for envelope). No visible interior HVAC equipment or water heater in photos; an exterior unit near the foundation is visible in one view which suggests central HVAC may be present, but operation is unverified. Electrical panel and water heater were not shown. No signs of active roof leaks or ceiling stains in interior photos. Because systems are plausible but not documented visually, allow moderate score with recommendation to verify heating, hot water, electrical panel condition, and presence/operation of HVAC and water heater prior to inspection."
}
],
"red_flags": [
"Front concrete steps are cracked/deteriorated and there is no visible handrail — unsafe stairs / broken handrail (probable inspection fail).",
"Sunroom has a boarded window and visible soiling on the foundation/lattice — possible water intrusion/rot requiring repair.",
"Yard contains an abandoned vehicle, debris and a dilapidated outbuilding — pest, safety and egress/obstruction concerns; requires cleanup.",
"No smoke detectors or carbon monoxide detectors are visible in interior photos — required safety items must be present and functional.",
"Kitchen appears to be missing a stove/range (gap under hood) and no refrigerator is shown — appliances should be provided/verified for move-in."
],
"confidence": 0.93,
"assumptions": [
"Listing statement that roof, siding, doors, bathrooms, flooring and interior paint are recent is accurate and is reflected in photos.",
"Kitchen does not currently contain a range/stove (visible gap beneath hood) and no refrigerator is shown; these appliances will need verification/installation prior to move-in but are not counted as structural failures.",
"Heating and hot water systems are present but were not photographed; their functionality is unverified and should be tested prior to inspection.",
"Smoke and carbon monoxide detectors are not visible in available interior photos; assume they may be missing or not shown and must be confirmed/installed.",
"Interior photos show no visible active leaks, severe mold, collapsed ceilings, or major structural sagging; therefore structural failure is not inferred from available imagery.",
"Bedroom egress windows are assumed to meet minimum egress based on visible window size in bedroom photos, but lower-level bedrooms (if any) should be verified for egress compliance."
],
"score_method": "mean_of_criteria",
"overall_score": 67.3,
"rubric_version": "2026-02-24-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9404208633"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.