Property ID: 9601748383
615 Hillcrest St, Charlotte, NC, 28206
Charlotte, NC
Money Down: $57,360
CoC Return: 4.75%
Monthly Cash Flow: $227
Est. Final ARV: $312,133
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$47,800
Closing Costs
$9,560
Total Down
$57,360
Investment Snapshot
Purchase Price
$239,000
Money Down
$57,360
Cash-on-Cash Return
4.75%
Rent
$1,911
Monthly Cash Flow
$227
Annual Cash Flow
$2,723
Debt Service / Mo
$1,272
Property Tax / Mo
$151
Insurance / Mo
$70
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,911
Payment Standard
$2,277
Rent
$1,911
Insurance
$70
Property Tax
$151
Management
$191
Utilities Allowance
$366
NOI (Monthly)
$1,499
Debt Service
$1,272
Cash Flow After Debt
$227
Quality Score: 69.80%
Confidence: 95.00%
This 3BR/1BA single‑family home appears broadly rent‑ready with mostly cosmetic work and routine system verifications. Key strengths: updated kitchen with appliances, intact roofline, flat yard and usable deck, and generally intact interior finishes. Primary inspection risks are code items that require confirmation and likely quick fixes: confirm/install CO detectors (required with gas appliances), verify smoke detector coverage, confirm GFCI protection in kitchen/bath, repair/secure front steps/handrail, and verify operation/permits for HVAC, water heater and electrical panel. With 1–3 weeks of targeted remediation (detectors, step repair, carpet replacement or deep cleaning, minor GFCI/electrical checks), the property has a high likelihood of passing an initial HCV/NSPIRE inspection.
Section 8 Payment Standard
$2,277
Utility Allowance Total
$366
Guaranteed Section 8 Rent (PS - Utilities)
$1,911
Property Management
$191
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$239,000
Beds
3
Baths
1
Living Area
1,140 sqft
Lot Size
13,765 sqft
Year Built
1992
Days on Market
18
Capital Outlay
$57,360
Debt Service
$1,272
Property Tax / Mo
$151
Insurance / Mo
$70
Property Description
Incredibly charming single story home for sale in a fast growing area!! This 3 bedroom 1 bath home is ready for a new owner and has so much to offer. The kitchen features updated euro style cabinetry, a gas cooktop, LVP flooring, a SS refrigerator, and a quaint breakfast nook. Each bedroom is generously sized and the cathedral ceiling in the living room creates a warm and open space. The home also features a large deck that overlooks a beautiful large and flat back yard. The detached garage was used as a cabinetry shop and provides endless opportunities for storage or hobbies. Need more space? Make your way upstairs to the finished loft above the garage. With so much to offer this home will certainly not last long!
Utility Allowances
air_conditioning
$25
Property is equipped with Central Air cooling.
cooking
$13
Property has a 'Gas Cooktop'. Natural gas was selected as the fuel type, consistent with the heating system.
gas_service_fee
$11
A monthly service fee is included as the property utilizes natural gas appliances.
heating
$80
Property information explicitly states 'Natural Gas' for heating.
other_electric
$79
Standard allowance for lighting, outlets, and miscellaneous tenant-plugged-in appliances.
sewer
$89
Property information indicates connection to 'Public Sewer'.
water
$32
Property information indicates 'City' as the water source.
water_heating
$37
Water heating fuel is inferred to be natural gas, which is consistent with the property's other gas utilities (heating and cooking).
Source References
Payment Standard Source
Effective Date:
Jul 01, 2025
Utility Allowance Source
Effective Date:
Feb 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$722
DP3 Annual Estimate$956
DP1 Monthly Equivalent$60
DP3 Monthly Equivalent$80
Replacement Value$146,600
Basis1,140 sqft / 1992
Nearby Houses
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4435 Northaven Dr
sold · 0.05 mi
Price: $110,000
2 bd / 1 ba · 924 sqft
Latest sale: $110,000 on Jan 25, 2019
Latest rent: $995 on Sep 30, 2018
Photo unavailable
4506 Northaven Dr
sold · 0.07 mi
Price: $124,000
3 bd / 2 ba · 995 sqft
Latest sale: $124,000 on Jan 26, 2018
Latest rent: $1,250 on May 07, 2021
Photo unavailable
4428 Northaven Dr
for_sale · 0.08 mi
Price: $369,900
3 bd / 3 ba · 1,714 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4424 Northaven Dr
for_sale · 0.09 mi
Price: $365,000
3 bd / 3 ba · 1,714 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4715 Northaven Dr
sold · 0.11 mi
Price: $445,000
4 bd / 2 ba · 1,904 sqft
Latest sale: $445,000 on Apr 28, 2025
Latest rent: —
Properties Used for Comps
Photo unavailable
631 W Craighead Rd, Charlotte, NC, 28206
sold
Price: $280,000
Rent: —
3 bd / 2 ba · 1,019 sqft
Sale Date: Jan 23, 2026
Distance: 0.28 mi
View listing
Photo unavailable
3801 Sofley Rd, Charlotte, NC, 28206
sold
Price: $260,000
Rent: —
3 bd / 2 ba · 953 sqft
Sale Date: Oct 01, 2025
Distance: 0.22 mi
View listing
Risk and Criteria Detail
Red Flags
- success
- No visible carbon monoxide detector present while a gas cooktop/range is installed (CO detector likely required).
- Front entry stairs and wood handrails are weathered and may be unsafe or loose — trip/fall hazard until repaired.
- Finished loft above detached garage could present egress/permit issues if used as habitable space (needs verification).
- GFCI protection in kitchen/bath not clearly identifiable from photos — must be verified for safety compliance.
Assumptions
- Central HVAC is present and functional (floor registers visible) though mechanical equipment (furnace/AC) and water heater were not photographed.
- At least one smoke detector exists (round ceiling device visible), but full smoke detector coverage and CO detectors are not confirmed in the provided photos.
- Electrical panel condition is unknown (not photographed); outlets and visible covers are intact and assumed functional unless otherwise discovered on inspection.
- Kitchen appliances shown (gas cooktop, range, dishwasher, refrigerator, microwave) are present and assumed operational but should be functional‑tested.
- Finished loft above the detached garage may not have required permits or egress compliant for sleeping occupancy; photos alone cannot confirm code compliance.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,759 | $206,600 | $206,600 |
| 2024 | $1,717 | $206,600 | $206,600 |
| 2023 | $1,654 | $206,600 | $206,600 |
| 2022 | $1,211 | $112,500 | $112,500 |
| 2021 | $1,200 | $112,500 | $112,500 |
| 2020 | $1,192 | $112,500 | $112,500 |
| 2019 | $1,177 | $112,500 | $112,500 |
| 2018 | $928 | $65,200 | $65,200 |
| 2017 | $906 | $65,200 | $65,200 |
| 2016 | $897 | $65,200 | $65,200 |
| 2015 | $885 | $65,200 | $65,200 |
| 2014 | $899 | $65,200 | $65,200 |
| 2013 | $899 | $65,200 | $65,200 |
| 2012 | $863 | $65,200 | $65,200 |
| 2011 | $877 | $65,200 | $65,200 |
| 2010 | $1,069 | $77,800 | $77,800 |
| 2009 | $1,069 | $77,800 | $77,800 |
| 2008 | $1,069 | $77,800 | $77,800 |
| 2007 | $1,066 | $77,800 | $77,800 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-25 | Listed | $239,000 |
Photo Gallery
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"price_sqft": 209.64912280701753,
"source_name": "CanopyMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4361052",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": "Replacement windows",
"permit_status": "Issued",
"permit_type_of_work": "Building Permit",
"permit_effective_date": "Jan 13, 2011",
"permit_project_type_1": "Residential",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": true
},
"property_id": "9601748383",
"generated_at": "2026-03-27T16:40:47.887823Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 69.8
},
"utility_allowance": {
"zip_code": "28206",
"home_photo": "https://ap.rdcpix.com/f4018c92167a22f33381834a6433feb9l-m859945766s-w1280.jpg",
"rent_price": 1911.0,
"loan_amount": 191200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/615-Hillcrest-St_Charlotte_NC_28206_M96017-48383",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 239000.0,
"loan_term_years": 30,
"annual_cash_flow": 17988.03,
"mortgage_monthly": 1272.06,
"payment_standard": 2277.0,
"total_amount_out": 47800.0,
"additional_photos": [
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"https://ap.rdcpix.com/f4018c92167a22f33381834a6433feb9l-m2407303572s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 69.92,
"monthly_cash_flow": 1499.0,
"property_tax_rate": 0.008,
"_utility_allowance": {
"sources": [
"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/NC003/sources/utility/wp-content_uploads_2025_12_UA-2.1.26.raster.pdf"
],
"effective_date": "2026-02-01"
},
"utility_allowances": [
{
"note": "Property is equipped with Central Air cooling.",
"utility": "air_conditioning",
"allowance": 25
},
{
"note": "Property has a 'Gas Cooktop'. Natural gas was selected as the fuel type, consistent with the heating system.",
"utility": "cooking",
"allowance": 13
},
{
"note": "A monthly service fee is included as the property utilizes natural gas appliances.",
"utility": "gas_service_fee",
"allowance": 11
},
{
"note": "Property information explicitly states 'Natural Gas' for heating.",
"utility": "heating",
"allowance": 80
},
{
"note": "Standard allowance for lighting, outlets, and miscellaneous tenant-plugged-in appliances.",
"utility": "other_electric",
"allowance": 79
},
{
"note": "Property information indicates connection to 'Public Sewer'.",
"utility": "sewer",
"allowance": 89
},
{
"note": "Property information indicates 'City' as the water source.",
"utility": "water",
"allowance": 32
},
{
"note": "Water heating fuel is inferred to be natural gas, which is consistent with the property's other gas utilities (heating and cooking).",
"utility": "water_heating",
"allowance": 37
}
],
"cash_on_cash_return": 0.38,
"down_payment_amount": 47800.0,
"property_tax_annual": 1811.77,
"property_tax_monthly": 150.98,
"property_tax_increase": 0.03,
"utility_allowance_total": 366.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.inlivian.com/landlords-owners/payment-standards/",
"https://www.inlivian.com/wp-content/uploads/2024/05/7.1.25-PS-No-census-tracts.pdf"
],
"effective_date": "2025-07-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 2723.33,
"property_management_monthly": 191.1,
"monthly_cash_flow_after_debt": 226.94,
"cash_on_cash_return_after_debt": 0.06
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/1BA single‑family home appears broadly rent‑ready with mostly cosmetic work and routine system verifications. Key strengths: updated kitchen with appliances, intact roofline, flat yard and usable deck, and generally intact interior finishes. Primary inspection risks are code items that require confirmation and likely quick fixes: confirm/install CO detectors (required with gas appliances), verify smoke detector coverage, confirm GFCI protection in kitchen/bath, repair/secure front steps/handrail, and verify operation/permits for HVAC, water heater and electrical panel. With 1–3 weeks of targeted remediation (detectors, step repair, carpet replacement or deep cleaning, minor GFCI/electrical checks), the property has a high likelihood of passing an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Interior photos show generally intact finishes with no visible structural damage. Kitchen is updated with matching cabinets and stainless appliances (gas cooktop, fridge, dishwasher, microwave) which reduces capital needs. Major visible items are worn/stained carpeting throughout most rooms, scuffed baseboards, some cosmetic paint touch-ups, and a weathered front stair/handrail that likely needs sanding/paint or replacement. Bathroom fixtures look functional though vanity is dated. Missing minor items (outlet covers present, no visible broken windows). These are mostly cosmetic/turnkey repairs rather than major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "No visible life‑threatening hazards in photos (no collapsed ceilings, no standing water, no exposed high‑voltage wiring). Floor registers indicate forced air heating/AC likely present. However, listing and photos do not clearly show carbon monoxide (CO) detectors — required given the gas cooktop — and CO detector is not visible in living areas/ceilings in provided images. A smoke-type device is visible near the living room fan (likely a smoke detector), but placement and number of detectors throughout bedrooms is not confirmed. Front steps are weathered and could be a trip/fall hazard if loose. GFCI receptors at kitchen counters are not clearly identifiable in photos. Given these unknowns (CO detector, GFCI verification, smoke detector coverage, deadbolt presence), there is moderate NSPIRE risk that would need quick remediation."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, roof, plumbing, electrical)",
"score": 70.0,
"rationale": "Visible indicators suggest functioning systems: floor vents present (central HVAC likely), kitchen plumbing and garbage disposal area appear intact, and appliances are in-place. Roof shingles appear aged but lie flat with no visible sagging or active leaks in interior photos. Electrical panel and water heater were not photographed so their condition is unknown. Gas range is present — gas connection safety should be verified. No visible water stains or mold in interior photos. Overall systems appear serviceable but require standard verification (furnace/AC service, water heater, electrical panel verification, CO detector installation)."
},
{
"key": "exterior_site",
"label": "Exterior, site, and yard condition",
"score": 70.0,
"rationale": "Exterior siding appears intact and yard is flat and usable; large deck and detached garage (with finished loft above) add value. Front stairway is weathered and will likely require maintenance or replacement for safety and appearance. Detached garage/loft shows older garage door and some siding wear; the loft above a detached garage used historically as a shop may have code/egress/permit implications if intended for occupancy. Drainage and foundation show no obvious issues from photos (foundation vent visible), and no standing water was observed. Site condition is generally acceptable with a few maintenance items."
}
],
"red_flags": [
"No visible carbon monoxide detector present while a gas cooktop/range is installed (CO detector likely required).",
"Front entry stairs and wood handrails are weathered and may be unsafe or loose — trip/fall hazard until repaired.",
"Finished loft above detached garage could present egress/permit issues if used as habitable space (needs verification).",
"GFCI protection in kitchen/bath not clearly identifiable from photos — must be verified for safety compliance."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and functional (floor registers visible) though mechanical equipment (furnace/AC) and water heater were not photographed.",
"At least one smoke detector exists (round ceiling device visible), but full smoke detector coverage and CO detectors are not confirmed in the provided photos.",
"Electrical panel condition is unknown (not photographed); outlets and visible covers are intact and assumed functional unless otherwise discovered on inspection.",
"Kitchen appliances shown (gas cooktop, range, dishwasher, refrigerator, microwave) are present and assumed operational but should be functional‑tested.",
"Finished loft above the detached garage may not have required permits or egress compliant for sleeping occupancy; photos alone cannot confirm code compliance."
],
"overall_score": 69.0,
"rubric_version": "nsPIRE-2026-v1"
},
{
"summary": "This 3BR/1BA single‑family home is generally in good, rentable condition with updated kitchen appliances and intact structure. Primary concerns are cosmetic (worn carpeting, scuffs, weathered deck/steps) and a few code items not clearly documented in photos (no visible carbon monoxide detector, unclear GFCI protection in the kitchen, and unverified HVAC/water heater/electrical panel condition). With relatively minor fixes — install CO detector(s), ensure GFCI in kitchen/bath, clean/replace carpet or apply LVP, repair/secure deck and front steps, and confirm mechanicals — the property should pass an initial HCV/NSPIRE inspection and be rent‑ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "House appears structurally intact with an updated kitchen and functioning appliances (stainless fridge, gas range, microwave, dishwasher). Primary visible deferred items are worn, stained carpeting throughout (several photos), scuffed baseboards and some minor cosmetic wall marks. Front and deck stair/railings are weathered and would benefit from sanding/paint or minor repair. Bathroom and other fixtures appear intact but dated. Overall items are mostly cosmetic or finish-level and should be easy/ moderate fixes (carpet replacement/ deep clean, repaint, minor deck/step rehab)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, no standing water, no visible major structural cracks). Smoke detector device visible in vaulted living area, but carbon monoxide detector is not visible (required with gas appliances). GFCI outlet protection near kitchen sink is not clearly visible; kitchens often require GFCI. Bedroom windows look adequate for egress. Entry door appears to have a lock but presence of a working deadbolt is not clearly shown. Electrical outlets are present and wiring not exposed in photos. Because CO detectors and GFCI compliance are not clearly evident, there is moderate NSPIRE risk that will likely be fixed quickly but could cause a fail on initial inspection if not installed."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 70.0,
"rationale": "Photos show floor vents consistent with central HVAC (presence assumed), gas cooktop/range in good cosmetic condition and a stainless fridge, indicating utilities were functioning recently. Roof shows age/discoloration but no visible sagging or active leak stains on interior ceilings. Water heater, electrical panel and HVAC equipment are not pictured so their conditions are unknown. Given the updated kitchen and otherwise maintained interior, systems risk is moderate — requires verification of HVAC operation, hot water, electrical panel condition, and gas shutoffs/venting prior to tenancy."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 72.0,
"rationale": "Exterior siding appears intact, yard is large, level and clear of obvious hazards, and a detached garage with a finished loft is present (garage door looks aged but functional). Deck and stairs show weathering and need cosmetic repair. No visible major foundation movement or standing water. Some vegetation and vine growth on the garage should be cleared. Driveway area is unpaved/gravel which is acceptable but should be assessed for safe, even access."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Central HVAC system is present and vents seen in photos are operational (no explicit HVAC unit pictured).",
"Gas service to the stove is functional (stove appears recent and connected).",
"There is at least one working smoke alarm (a round device is visible near the vaulted ceiling) but functionality not tested.",
"No significant hidden water intrusion, mold, or active roof leaks exist (no interior stains visible in photos).",
"Entry door has a working lock; presence of a deadbolt is assumed but not clearly pictured.",
"Electrical panel, water heater and furnace/AC are located out of frame and are serviceable, but their condition is unverified.",
"No recent rental history available — rental_history_activity excluded from scoring."
],
"overall_score": 71.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA single-family home appears broadly rent-ready for Section 8 with mostly minor repairs and code updates. Key easy fixes: deep cleaning or replacement of carpets, repair/secure/paint front steps and deck railings, and address cosmetic wear in cabinets and trim. Required code items to verify/upgrade before inspection: install/verify carbon monoxide detectors, install/verify GFCI protection in kitchen/bath as required, and confirm smoke detectors in all sleeping areas and common corridors. The finished loft above the detached garage represents a potential compliance/egress/permit risk that should be verified. With the listed minor repairs and code confirmations the property is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears structurally intact with updated kitchen appliances, functioning gas range, and mostly finished spaces. Visible deferred items are worn/soiled wall-to-wall carpet in living/bedrooms, weathered exterior/front steps and railings, and cosmetic wear to cabinetry and bathroom fixtures. Missing or worn flooring and finishes are easy-to-fix or capital-only items — replacement/cleaning of carpets, repaint, refinish/repair deck and stairs, and minor cabinet work."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE focus)",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible. A smoke detector-like device is visible in the vaulted living room, and windows are present in bedrooms (egress likely adequate from photos). Concerns: no carbon monoxide detector is visible, GFCI protection at kitchen/bath outlets is not evident in photos, front and deck stairs/railings are weathered and may need tightening/repair, and the finished loft above the detached garage (listed in description) raises potential egress/smoke-detection/permitting questions. No exposed wiring, standing water, collapsed ceilings, or visible severe mold were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Kitchen shows gas cooktop and modern appliances (dishwasher, fridge, microwave). Floor vents are visible (forced air/heating distribution likely present). Roof appears intact from exterior photos (no visible sag or active leaks). Electrical panel and water heater are not shown; no visible evidence of plumbing failure or active leaks. Because major systems are not directly photographed, this is a best‑judgement moderate score assuming typical maintenance for a 1992 house with recent kitchen updates."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Siding and foundation vents look intact with a large flat backyard and usable deck. Detached garage and driveway are functional but show cosmetic age (garage door older, some siding/trim weathering). Walkways are gravel; yard is maintained. Deck and stair railings require maintenance/repair. No visible standing water, major foundation cracking, or significant exterior structural issues in photos."
}
],
"red_flags": [
"Finished loft above detached garage listed as 'finished' — potential non‑permitted living space; egress, heating, smoke/CO detection and permitting unknown.",
"No carbon monoxide detector visible in photos (required when gas appliances are present).",
"No clearly visible GFCI protected outlets in kitchen/bath; GFCI absence would fail inspection.",
"Front steps and deck stairs/railings are weathered and may be loose — trip/fall risk and could fail inspection if not repaired.",
"Worn and stained wall-to-wall carpeting throughout bedrooms and living areas — may require replacement/cleaning prior to move-in (health/cleanliness concern)."
],
"confidence": 0.7,
"assumptions": [
"Utilities (water, gas, electric) are on and functional for inspection testing.",
"The visible ceiling device in the living area is a working smoke detector; additional detectors may be required in bedrooms/hallways.",
"HVAC exists and is functional (floor vents visible), though the equipment itself was not photographed.",
"Kitchen and laundry plumbing supply/drain and hot water are operational; no active leaks exist beyond what is visible.",
"Gas range is properly connected and venting is code‑compliant; no obvious gas odours or disconnected lines in photos.",
"No interior areas with severe hidden damage (e.g., major mold, structural movement) beyond what is visible; photos show generally sound structure.",
"Finished loft above the garage may be an unpermitted space or lack required egress/smoke/CO devices — condition is unknown and requires verification."
],
"overall_score": 70.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "615 Hillcrest St, Charlotte, NC, 28206",
"aggregate": {
"summary": "This 3BR/1BA single‑family home appears broadly rent‑ready with mostly cosmetic work and routine system verifications. Key strengths: updated kitchen with appliances, intact roofline, flat yard and usable deck, and generally intact interior finishes. Primary inspection risks are code items that require confirmation and likely quick fixes: confirm/install CO detectors (required with gas appliances), verify smoke detector coverage, confirm GFCI protection in kitchen/bath, repair/secure front steps/handrail, and verify operation/permits for HVAC, water heater and electrical panel. With 1–3 weeks of targeted remediation (detectors, step repair, carpet replacement or deep cleaning, minor GFCI/electrical checks), the property has a high likelihood of passing an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 73.3,
"rationale": "Interior photos show generally intact finishes with no visible structural damage. Kitchen is updated with matching cabinets and stainless appliances (gas cooktop, fridge, dishwasher, microwave) which reduces capital needs. Major visible items are worn/stained carpeting throughout most rooms, scuffed baseboards, some cosmetic paint touch-ups, and a weathered front stair/handrail that likely needs sanding/paint or replacement. Bathroom fixtures look functional though vanity is dated. Missing minor items (outlet covers present, no visible broken windows). These are mostly cosmetic/turnkey repairs rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior, site, and yard condition",
"score": 72.3,
"rationale": "Exterior siding appears intact and yard is flat and usable; large deck and detached garage (with finished loft above) add value. Front stairway is weathered and will likely require maintenance or replacement for safety and appearance. Detached garage/loft shows older garage door and some siding wear; the loft above a detached garage used historically as a shop may have code/egress/permit implications if intended for occupancy. Drainage and foundation show no obvious issues from photos (foundation vent visible), and no standing water was observed. Site condition is generally acceptable with a few maintenance items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 63.3,
"rationale": "No visible life‑threatening hazards in photos (no collapsed ceilings, no standing water, no exposed high‑voltage wiring). Floor registers indicate forced air heating/AC likely present. However, listing and photos do not clearly show carbon monoxide (CO) detectors — required given the gas cooktop — and CO detector is not visible in living areas/ceilings in provided images. A smoke-type device is visible near the living room fan (likely a smoke detector), but placement and number of detectors throughout bedrooms is not confirmed. Front steps are weathered and could be a trip/fall hazard if loose. GFCI receptors at kitchen counters are not clearly identifiable in photos. Given these unknowns (CO detector, GFCI verification, smoke detector coverage, deadbolt presence), there is moderate NSPIRE risk that would need quick remediation."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, roof, plumbing, electrical)",
"score": 70.0,
"rationale": "Visible indicators suggest functioning systems: floor vents present (central HVAC likely), kitchen plumbing and garbage disposal area appear intact, and appliances are in-place. Roof shingles appear aged but lie flat with no visible sagging or active leaks in interior photos. Electrical panel and water heater were not photographed so their condition is unknown. Gas range is present — gas connection safety should be verified. No visible water stains or mold in interior photos. Overall systems appear serviceable but require standard verification (furnace/AC service, water heater, electrical panel verification, CO detector installation)."
}
],
"red_flags": [
"No visible carbon monoxide detector present while a gas cooktop/range is installed (CO detector likely required).",
"Front entry stairs and wood handrails are weathered and may be unsafe or loose — trip/fall hazard until repaired.",
"Finished loft above detached garage could present egress/permit issues if used as habitable space (needs verification).",
"GFCI protection in kitchen/bath not clearly identifiable from photos — must be verified for safety compliance."
],
"confidence": 0.95,
"assumptions": [
"Central HVAC is present and functional (floor registers visible) though mechanical equipment (furnace/AC) and water heater were not photographed.",
"At least one smoke detector exists (round ceiling device visible), but full smoke detector coverage and CO detectors are not confirmed in the provided photos.",
"Electrical panel condition is unknown (not photographed); outlets and visible covers are intact and assumed functional unless otherwise discovered on inspection.",
"Kitchen appliances shown (gas cooktop, range, dishwasher, refrigerator, microwave) are present and assumed operational but should be functional‑tested.",
"Finished loft above the detached garage may not have required permits or egress compliant for sleeping occupancy; photos alone cannot confirm code compliance."
],
"score_method": "mean_of_criteria",
"overall_score": 69.8,
"rubric_version": "nsPIRE-2026-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9601748383"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.