Property ID: 9572864923
9720 Westfield Pl, Birmingham, AL, 35217
Birmingham, AL
Money Down: $15,600
CoC Return: 43.71%
Monthly Cash Flow: $568
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$13,000
Closing Costs
$2,600
Total Down
$15,600
Investment Snapshot
Purchase Price
$65,000
Money Down
$15,600
Cash-on-Cash Return
43.71%
Rent
$1,123
Monthly Cash Flow
$568
Annual Cash Flow
$6,819
Debt Service / Mo
$346
Property Tax / Mo
$33
Insurance / Mo
$63
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,123
Payment Standard
$1,419
Rent
$1,123
Insurance
$63
Property Tax
$33
Management
$112
Utilities Allowance
$296
NOI (Monthly)
$914
Debt Service
$346
Cash Flow After Debt
$568
Quality Score: 72.00%
Confidence: 86.00%
Overall this 1955 single-family appears to be in fair to good condition cosmetically with recent major updates reported (roof and HVAC). Primary inspection risks are code items not visible in photos: smoke/CO detectors, GFCI protection, and verifiable bedroom egress. Systems appear likely functional (assuming seller statements are accurate) and there are only minor exterior/site repairs visible. Likely a Section 8/HCV initial inspection could pass after addressing alarm devices, confirming egress and GFCI outlets, and providing system documentation — allow 2–6 weeks for final readiness depending on remediation.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$296
Guaranteed Section 8 Rent (PS - Utilities)
$1,123
Property Management
$112
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$65,000
Beds
3
Baths
1
Living Area
927 sqft
Lot Size
5,706 sqft
Year Built
1955
Days on Market
182
Capital Outlay
$15,600
Debt Service
$346
Property Tax / Mo
$33
Insurance / Mo
$63
Property Description
Motivated Seller! Charming 3-bedroom, 1-bathroom home with new roof and HVAC system nestled beside 2 spacious lots with a generous yard ( to be sold with home) - perfect for gardening, play, or outdoor entertaining. Enjoy relaxing mornings or peaceful evenings on the covered front porch, and take advantage of the convenient attached carport. This home offers comfortable living with just the right amount of space, both inside and out!
Utility Allowances
Heating
$38
The property has Natural Gas heating. 'Spire' is selected as the most common provider for the Birmingham area.
Air Conditioning
$22
The property has Central Air conditioning. 'Alabama Power' is selected as the primary electric provider for the area.
Cooking
$21
The property includes an electric stove. 'Alabama Power' is selected as the electric provider, consistent with other electric utilities.
Water Heating
$35
The property has a gas water heater. 'Spire' is selected as the provider, consistent with the heating fuel.
Water
$78
The property uses public water. The 'Water: Birmingham' schedule option was chosen based on the property's location.
Sewer
$0
The property is listed as having a septic tank, so a public sewer allowance of $0 is applied.
Other Electric (Lights, etc.)
$68
This covers general electric use for lights and outlets. 'Alabama Power' is selected as the primary provider. Per rules, this does not include refrigerator.
Trash Collection
$20
Tenant-paid trash removal is assumed for a single-family home. 'Jefferson City (Once per week)' is chosen as the most applicable option for the area.
Refrigerator (Tenant-Owned)
$8
A refrigerator is not listed as a provided appliance, so the allowance for a tenant-owned unit is included.
Range/Microwave (Tenant-Owned)
$6
A microwave is not listed as a provided appliance, so the allowance for a tenant-owned unit is included.
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$615
DP3 Annual Estimate$907
DP1 Monthly Equivalent$51
DP3 Monthly Equivalent$76
Replacement Value$70,600
Basis927 sqft / 1955
Nearby Houses
Photo unavailable
9725 Westfield Ct
sold · 0.04 mi
Price: $170,000
5 bd / 4 ba · 3,118 sqft
Latest sale: $170,000 on Dec 11, 2018
Latest rent: —
Photo unavailable
9801 Westfield Ct
sold · 0.05 mi
Price: $155,000
3 bd / 2 ba · 1,726 sqft
Latest sale: $155,000 on Oct 16, 2023
Latest rent: —
Photo unavailable
9805 Westfield Ct
sold · 0.06 mi
Price: $158,000
3 bd / 2 ba · 1,534 sqft
Latest sale: $158,000 on Oct 26, 2020
Latest rent: —
Photo unavailable
900 Northwood Dr
sold · 0.08 mi
Price: $80,000
3 bd / 1 ba · 868 sqft
Latest sale: $80,000 on Sep 30, 2024
Latest rent: $1,150 on May 19, 2025
Photo unavailable
9645 9th Ave N
sold · 0.11 mi
Price: $68,000
3 bd / 1 ba · 916 sqft
Latest sale: $68,000 on Jul 14, 2023
Latest rent: $1,200 on Sep 23, 2023
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in photos (inspection failure if absent).
- Security/metal bars on entry/window area could obstruct emergency egress if not quick-release or compliant.
- GFCI protection for kitchen/bath not observed (potential code fail).
- Bedroom egress (window size/operation) not verifiable from photos and may cause an inspection fail if inadequate.
Assumptions
- Seller statement that roof and HVAC are 'new' is accurate and systems are operational.
- No visible smoke or carbon monoxide detectors in photos implies they may be missing or not visible; assume they are not currently installed properly.
- Kitchen appliances are not clearly shown; assume tenant-supplied or seller may include items (appliance absence would be an easy-to-fix, capital-only item).
- Electrical panel, water heater, and GFCI outlets were not photographed and their condition is unknown; assume typical condition unless inspection shows otherwise.
- Bedroom window egress dimensions and operability were not verifiable from photos and must be confirmed on site.
- No significant hidden structural failures (major foundation movement, sagging floors, collapsed ceilings) are present based on images — if those existed they would likely be visible and would change the assessment.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-12 | Price Changed | $65,000 |
| 2025-12-10 | Price Changed | $85,000 |
| 2025-11-07 | Price Changed | $95,000 |
| 2025-09-22 | Price Changed | $102,900 |
| 2025-08-18 | Listed | $110,000 |
Photo Gallery
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{
"note": "The property has Central Air conditioning. 'Alabama Power' is selected as the primary electric provider for the area.",
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{
"note": "The property includes an electric stove. 'Alabama Power' is selected as the electric provider, consistent with other electric utilities.",
"utility": "Cooking",
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{
"note": "The property has a gas water heater. 'Spire' is selected as the provider, consistent with the heating fuel.",
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{
"note": "The property uses public water. The 'Water: Birmingham' schedule option was chosen based on the property's location.",
"utility": "Water",
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{
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"utility": "Sewer",
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{
"note": "This covers general electric use for lights and outlets. 'Alabama Power' is selected as the primary provider. Per rules, this does not include refrigerator.",
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"summary": "Overall this 1955 single-family appears to be in fair to good condition cosmetically with recent major updates reported (roof and HVAC). Primary inspection risks are code items not visible in photos: smoke/CO detectors, GFCI protection, and verifiable bedroom egress. Systems appear likely functional (assuming seller statements are accurate) and there are only minor exterior/site repairs visible. Likely a Section 8/HCV initial inspection could pass after addressing alarm devices, confirming egress and GFCI outlets, and providing system documentation — allow 2–6 weeks for final readiness depending on remediation.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior appear cosmetically dated but generally intact. Carpets, ceilings (popcorn texture) and finishes are worn but without obvious large damage. Minor exterior masonry damage at the carport base and some surface cracking in the driveway/walkway are visible. Listing states new roof and new HVAC which, if accurate, reduce capital repair needs. Missing/unknown kitchen appliances and some cosmetic touch-up will be needed prior to leasing, but nothing visible indicates major deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Several NSPIRE items cannot be confirmed from photos: no smoke detectors or CO alarms are visible, GFCI protection in kitchen/bath is not shown, and egress window sizes for bedrooms are not verifiable. There are security/metal bars on the front door/window area that could present egress concerns depending on how they are installed (quick-release or fixed). No obvious exposed wiring, active roof leaks, collapsed ceilings, or tripping hazards were observed. Because required alarms and egress details are not demonstrated, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof)",
"score": 70.0,
"rationale": "Listing indicates a new roof and new HVAC; photos show a shingle roof in good visible condition and ceiling HVAC registers present. No visible signs of active plumbing leaks in living areas or ceiling sagging. Water heater and electrical panel were not shown in photos and therefore not verified. Assuming the seller's statement about HVAC/roof is accurate, systems appear serviceable but require documentation/verification (service records, water heater condition, electrical panel condition) for an inspection pass."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Large yard, clear site and usable covered front porch/carport. Minor issues include driveway/walkway surface cracking, some vegetation close to the foundation, and chipped painted brick at carport column base. No signs of standing water, major foundation settlement, or severe exterior envelope failure are visible from photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (inspection failure if absent).",
"Security/metal bars on entry/window area could obstruct emergency egress if not quick-release or compliant.",
"GFCI protection for kitchen/bath not observed (potential code fail).",
"Bedroom egress (window size/operation) not verifiable from photos and may cause an inspection fail if inadequate."
],
"confidence": 0.65,
"assumptions": [
"Seller statement that roof and HVAC are 'new' is accurate and systems are operational.",
"No visible smoke or carbon monoxide detectors in photos implies they may be missing or not visible; assume they are not currently installed properly.",
"Kitchen appliances are not clearly shown; assume tenant-supplied or seller may include items (appliance absence would be an easy-to-fix, capital-only item).",
"Electrical panel, water heater, and GFCI outlets were not photographed and their condition is unknown; assume typical condition unless inspection shows otherwise.",
"Bedroom window egress dimensions and operability were not verifiable from photos and must be confirmed on site.",
"No significant hidden structural failures (major foundation movement, sagging floors, collapsed ceilings) are present based on images — if those existed they would likely be visible and would change the assessment."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely turnkey with mostly cosmetic and minor capital repairs required. The roof and HVAC are reported new and roof workmanship appears good in photos. Primary inspection risks are missing/uncertain life-safety devices (smoke/CO detectors), security bars on windows/doors that may impede emergency egress, and small exterior brick repairs at the carport. If smoke/CO detectors are installed, security bars are releasable from inside, and basic cosmetic items (carpet, paint, loose bricks, minor concrete repair) are addressed, this home is likely to pass an initial HCV/NSPIRE inspection with only minor repairs and be rent-ready within 1-3 weeks (allowing for appliance verification and a quick electrical/plumbing check).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Interior and exterior show cosmetic wear but no major deferred maintenance. Carpets are dark/worn (likely replacement or deep cleaning), popcorn ceilings and paint are dated, and there is some peeling paint on porch steps/risers. Small brick spall at the carport base and a pile of loose bricks are visible and should be repaired. Fixtures and lighting are present; staging/furniture hides some surfaces but nothing appears severely damaged. Appliances are not fully photographed (a white appliance visible in a hallway suggests at least a refrigerator), but missing or replacement appliances would be a moderate, solvable item. Overall items are easy-to-fix or capital items rather than structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 68.0,
"rationale": "No obvious life-threatening hazards in photos (no sagging ceilings, visible water intrusion, or severe mold). However several NSPIRE items are unknown or potentially problematic: smoke detectors and CO alarms are not visible in any interior photos (their absence would be a fail), GFCI protection in bathroom/kitchen not verifiable, and window/door security bars are present on front window/door — if these are fixed (non-releasable from inside) they pose an egress hazard and would fail inspection. The front entry has a secure metal security door; deadbolt not clearly visible. No exposed wiring is seen and ventilation ducts/AC registers are present. Because several required safety items cannot be confirmed from photos, score reflects moderate risk pending verification and quick fixes (install detectors, add/release hardware on bars if needed)."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 75.0,
"rationale": "Listing states a new roof and new HVAC; exterior roof shingles look recently replaced and in good visual condition. Interior ceiling vents and a central return are visible, supporting the presence of an operational forced-air system. No water stains, active leaks, or rotten rafters are visible inside. Electrical panel, hot water heater and plumbing distribution are not photographed so their condition is assumed serviceable based on overall property condition; plumbing fixtures in the bathroom appear functional. Because critical systems are mostly unverified by photos (panel, water heater, plumbing under-sink, HVAC operational test), score assumes the seller's claim of new HVAC and visually good roof, with conservative allowance for unseen items."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Exterior brick shell and roof appear intact; yard is maintained and curb appeal is good. Concrete driveway and carport show surface cracking and staining but no structural collapse. Covered porch and attached carport provide protected entry; porch railings are present. Minor brick damage at carport column and paint wear on steps should be addressed. No standing water, heavy vegetation against foundation, or obvious pest infestation visible in provided images."
}
],
"red_flags": [
"Security/metal bars on front window and door - potential egress hazard if not releasable from inside (NSPIRE fail if non-compliant).",
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE requires functioning detectors).",
"Loose/spalled bricks at the carport column and piled bricks near porch — repair needed to restore structural/appearance integrity.",
"Peeling/aged paint on porch steps/risers and the house age (built 1955) - possible lead-paint risk until tested or abated."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that roof and HVAC are new is accurate and system installations are code-compliant and functioning.",
"No active roof leaks or interior water damage exist beyond what is visible in photos (none observed).",
"A refrigerator (or at least one white appliance) present in a rear photo suggests basic appliances may be available; stove/oven presence is unknown and may need to be provided.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or not up to date unless verified.",
"Security bars on the front window/door may be fixed or non-releasable from the inside; their release mechanism is unknown and must be confirmed.",
"Electrical panel, water heater, and plumbing are functional but were not photographed and therefore not independently verified.",
"No major hidden structural issues (foundation movement, sagging roof, collapsed ceilings) exist given even ceilings and no visible settlement — however hidden issues could be present and would require on-site inspection to confirm."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed/1-bath home is structurally sound from the available photos and listing (new roof/HVAC claimed) and presents as a property that could pass an initial HCV/NSPIRE inspection after addressing a small set of safety and code items. Primary actions likely required before lease-up: install/verify smoke and CO alarms in required locations, confirm/upgrade GFCI protection in kitchen/bath, verify bedroom egress windows meet emergency escape dimensions or modify as needed, repair localized brick/mortar damage at carport, and confirm presence/operation of water heater and electrical panel. Appliances and cosmetic updates (carpet, paint) are an easy-to-fix capital cost but are not likely to cause an automatic failure if provided and safe.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears lived-in but generally intact: intact ceilings, walls and trim, carpeted floors (worn/dated), functioning bathroom fixtures, and usable porch/steps. Exterior painted brick has some chipped/missing mortar/bricks at the carport base and minor concrete cracking in driveway/walkway. Kitchen not shown; appliances not confirmed — missing or older appliances would be an easy-to-fix capital expense. Overall visible deferred maintenance is minor-to-moderate and mostly cosmetic."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risks",
"score": 65.0,
"rationale": "No visible smoke detectors or CO alarms in photos (required). Entry shows a security door and deadbolt likely present. No exposed wiring observed; ceiling fixtures and fans appear functional. GFCI outlets in kitchen/bath not visible and should be verified/installed. Bedroom windows shown are relatively small — egress compliance cannot be confirmed from photos and may fail if sash/opening is insufficient. No evidence of active leaks, major mold, collapsed ceilings, or unsafe stairs/guardrails. Given the age (1955), potential lead-paint risk exists and should be evaluated if paint is disturbed. Overall moderate inspection risk until detectors, GFCI, and egress are verified or remedied."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 78.0,
"rationale": "Listing states new roof and new HVAC; roof appears in good visual condition and supply vents/registers are visible inside, supporting the claim. Plumbing fixtures in the bathroom appear functional. Electrical fixtures and ceiling fans are present and functioning in photos but the electrical panel and wiring condition are not shown. Water heater not visible. Systems appear recently updated or functional, but verification of HVAC operation, water heater, and panel condition is required. No obvious signs of system failure in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Yard and landscaping are maintained; covered porch and attached carport are serviceable. Concrete driveway and walk show surface cracking/aging but are usable. Carport corner shows some brick/mortar deterioration and a small area of loose bricks which should be repointed. No standing water, visible foundation settlement, or major siding failure observed. Overall good curb appeal with a few localized repairs needed."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos — required for pass.",
"Bedroom egress openings not verified; windows shown appear small and may not meet emergency escape requirements.",
"GFCI protection in kitchen/bath not visible — required for safety compliance.",
"Visible brick/mortar deterioration at carport base that should be repaired to prevent further degradation.",
"Potential lead-based paint risk due to 1955 construction (painted interior/exterior surfaces)."
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'new roof and HVAC' is accurate and both systems are operational (vents present inside).",
"No electrical panel, water heater, or kitchen photos were provided; these items are assumed present but must be inspected for function and code compliance.",
"Appliances (stove, refrigerator) are not shown; assume they may be missing or included but should be confirmed. Missing appliances are treated as moderate condition issue, not an immediate safety failure.",
"No visible active leaks, severe mold, or structural sagging were observed in photos; assume none significant unless disclosed or found on-site.",
"Given the 1955 build year, painted surfaces could contain lead-based paint; assume lead-risk potential and that HUD-required disclosures/abatement/testing will be needed if disturbed.",
"Bedroom windows shown may be smaller than modern egress standards; assume egress needs verification on site."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
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"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "9720 Westfield Pl, Birmingham, AL, 35217",
"aggregate": {
"summary": "Overall this 1955 single-family appears to be in fair to good condition cosmetically with recent major updates reported (roof and HVAC). Primary inspection risks are code items not visible in photos: smoke/CO detectors, GFCI protection, and verifiable bedroom egress. Systems appear likely functional (assuming seller statements are accurate) and there are only minor exterior/site repairs visible. Likely a Section 8/HCV initial inspection could pass after addressing alarm devices, confirming egress and GFCI outlets, and providing system documentation — allow 2–6 weeks for final readiness depending on remediation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior appear cosmetically dated but generally intact. Carpets, ceilings (popcorn texture) and finishes are worn but without obvious large damage. Minor exterior masonry damage at the carport base and some surface cracking in the driveway/walkway are visible. Listing states new roof and new HVAC which, if accurate, reduce capital repair needs. Missing/unknown kitchen appliances and some cosmetic touch-up will be needed prior to leasing, but nothing visible indicates major deferred maintenance."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 76.7,
"rationale": "Large yard, clear site and usable covered front porch/carport. Minor issues include driveway/walkway surface cracking, some vegetation close to the foundation, and chipped painted brick at carport column base. No signs of standing water, major foundation settlement, or severe exterior envelope failure are visible from photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 62.7,
"rationale": "Several NSPIRE items cannot be confirmed from photos: no smoke detectors or CO alarms are visible, GFCI protection in kitchen/bath is not shown, and egress window sizes for bedrooms are not verifiable. There are security/metal bars on the front door/window area that could present egress concerns depending on how they are installed (quick-release or fixed). No obvious exposed wiring, active roof leaks, collapsed ceilings, or tripping hazards were observed. Because required alarms and egress details are not demonstrated, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof)",
"score": 74.3,
"rationale": "Listing indicates a new roof and new HVAC; photos show a shingle roof in good visible condition and ceiling HVAC registers present. No visible signs of active plumbing leaks in living areas or ceiling sagging. Water heater and electrical panel were not shown in photos and therefore not verified. Assuming the seller's statement about HVAC/roof is accurate, systems appear serviceable but require documentation/verification (service records, water heater condition, electrical panel condition) for an inspection pass."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (inspection failure if absent).",
"Security/metal bars on entry/window area could obstruct emergency egress if not quick-release or compliant.",
"GFCI protection for kitchen/bath not observed (potential code fail).",
"Bedroom egress (window size/operation) not verifiable from photos and may cause an inspection fail if inadequate."
],
"confidence": 0.86,
"assumptions": [
"Seller statement that roof and HVAC are 'new' is accurate and systems are operational.",
"No visible smoke or carbon monoxide detectors in photos implies they may be missing or not visible; assume they are not currently installed properly.",
"Kitchen appliances are not clearly shown; assume tenant-supplied or seller may include items (appliance absence would be an easy-to-fix, capital-only item).",
"Electrical panel, water heater, and GFCI outlets were not photographed and their condition is unknown; assume typical condition unless inspection shows otherwise.",
"Bedroom window egress dimensions and operability were not verifiable from photos and must be confirmed on site.",
"No significant hidden structural failures (major foundation movement, sagging floors, collapsed ceilings) are present based on images — if those existed they would likely be visible and would change the assessment."
],
"score_method": "mean_of_criteria",
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9572864923"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.