Property ID: 9738601642
4826 Chatsworth Ave, Pittsburgh, PA, 15207
Pittsburgh, PA
Money Down: $36,000
CoC Return: 44.81%
Monthly Cash Flow: $1,344
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
44.81%
Rent
$2,492
Monthly Cash Flow
$1,344
Annual Cash Flow
$16,133
Debt Service / Mo
$798
Property Tax / Mo
$1
Insurance / Mo
$99
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,492
Payment Standard
$2,952
Rent
$2,492
Insurance
$99
Property Tax
$1
Management
$249
Utilities Allowance
$460
NOI (Monthly)
$2,143
Debt Service
$798
Cash Flow After Debt
$1,344
Quality Score: 90.40%
Confidence: 94.00%
New-construction, turnkey single-family home with modern finishes, complete appliances, visible smoke detectors, compliant-looking stairs/guardrails, and a well-kept exterior. Most NSPIRE safety and systems items appear addressed; remaining verification points (GFCI operation, electrical panel labeling, water heater presence/operation, CO alarm if required) are standard final checks for a new build. Likely to pass an initial HCV/NSPIRE inspection with minimal punch-list items and is rent-ready within 1-2 weeks.
Section 8 Payment Standard
$2,952
Utility Allowance Total
$460
Guaranteed Section 8 Rent (PS - Utilities)
$2,492
Property Management
$249
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$150,000
Beds
3
Baths
1.5
Living Area
1,500 sqft
Lot Size
21,780 sqft
Year Built
2025
Days on Market
78
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' for a 3-bedroom unit. The property description mentions it is 'Fully electric' with 'state-of-the art heating and cooling systems' and 'highly energy efficient', which makes a heat pump the most likely system.
Cooking
$14
Selected 'electric' for a 3-bedroom unit. The property is described as 'Fully electric' and includes an 'Electric Stove' in its list of inclusions.
Water Heating
$38
Selected 'electric' for a 3-bedroom unit as the property is 'Fully electric'.
Air Conditioning
$17
Selected 3-bedroom allowance. The property description lists 'Central Air' and 'state-of-the art heating and cooling systems'.
Other Electric
$75
Selected 3-bedroom allowance for general electricity use (lights, outlets, etc.).
Range/Microwave
$18
Selected 3-bedroom allowance. A microwave is not listed in the property's inclusions, so it is assumed to be tenant-owned and its electricity usage is the tenant's responsibility.
Refrigerator
$0
Allowance is $0 because the property inclusions list a 'Refrigerator', indicating it is provided by the landlord.
Water
$101
Selected 3-bedroom allowance. Public water is inferred based on the property being a new construction in an urban area.
Sewer
$147
Selected 3-bedroom allowance. Public sewer is inferred based on the property being a new construction in an urban area.
Trash Collection
$0
The utility schedule has no allowance value for trash collection, implying it is not a tenant expense.
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$951
DP3 Annual Estimate$1,431
DP1 Monthly Equivalent$79
DP3 Monthly Equivalent$119
Replacement Value$300,000
Basis1,500 sqft / 2025
Nearby Houses
Photo unavailable
4824 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 · 0.05 mi
Price: $35,000
2 bd / 1 ba
Latest sale: $35,000 on Jun 30, 2022
Latest rent: —
Photo unavailable
4741 Irvine St
sold · 0.09 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 true new construction (listing year-built 2025) and was built to current code.
- Smoke detectors shown are installed on required ceilings and are operational; at least one is present in/near sleeping areas.
- Because the unit is fully electric, carbon monoxide alarms are not expected to be required by safety protocol unless local code requires them; none were visible in photos.
- GFCI outlets in kitchen and bathrooms and AFCI protection on circuits are installed per modern code though not visible in photos.
- HVAC (heating and cooling) systems described in the listing are installed and functional; no visible heating evidence was required for operation since the listing describes them.
- Electrical panel, water heater, and plumbing fixtures exist and were installed to code but were not photographed.
- Exterior grading and drainage are adequate; rain barrels and downspout chains referenced in listing function as intended.
- No history of rental activity in last 5 years; rental_history_activity criterion excluded from scoring.
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 |
|---|---|---|
| 2026-01-21 | 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": "2026-01-21",
"price": 150000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-21T00:30:49Z",
"list_price": 150000,
"listing_id": "2990472509",
"last_update_date": "2026-01-21T15:08:56Z",
"last_status_change_date": "2026-01-21T00:30:49Z"
},
"event_name": "Listed",
"price_sqft": 100,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1737655",
"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": "9738601642",
"generated_at": "2026-02-24T23:36:49.190582Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 90.4
},
"utility_allowance": {
"zip_code": "15207",
"home_photo": "https://ap.rdcpix.com/fb976cd4eea7eb561bf3187ca3752174l-m3421128702s-w1280.jpg",
"rent_price": 2492.0,
"loan_amount": 120000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4826-Chatsworth-Ave_Pittsburgh_PA_15207_M97386-01642",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 150000.0,
"loan_term_years": 30,
"annual_cash_flow": 25713.33,
"mortgage_monthly": 798.36,
"payment_standard": 2952.0,
"total_amount_out": 30000.0,
"additional_photos": [
"https://ap.rdcpix.com/fb976cd4eea7eb561bf3187ca3752174l-m1900224425s-w1280.jpg",
"https://ap.rdcpix.com/fb976cd4eea7eb561bf3187ca3752174l-m4109869445s-w1280.jpg",
"https://ap.rdcpix.com/fb976cd4eea7eb561bf3187ca3752174l-m3121575271s-w1280.jpg",
"https://ap.rdcpix.com/fb976cd4eea7eb561bf3187ca3752174l-m3593628693s-w1280.jpg",
"https://ap.rdcpix.com/fb976cd4eea7eb561bf3187ca3752174l-m306841472s-w1280.jpg",
"https://ap.rdcpix.com/fb976cd4eea7eb561bf3187ca3752174l-m1756322952s-w1280.jpg",
"https://ap.rdcpix.com/fb976cd4eea7eb561bf3187ca3752174l-m2422185418s-w1280.jpg",
"https://ap.rdcpix.com/fb976cd4eea7eb561bf3187ca3752174l-m3728457650s-w1280.jpg",
"https://ap.rdcpix.com/fb976cd4eea7eb561bf3187ca3752174l-m3744632989s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 99.25,
"monthly_cash_flow": 2142.78,
"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' for a 3-bedroom unit. The property description mentions it is 'Fully electric' with 'state-of-the art heating and cooling systems' and 'highly energy efficient', which makes a heat pump the most likely system.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Selected 'electric' for a 3-bedroom unit. The property is described as 'Fully electric' and includes an 'Electric Stove' in its list of inclusions.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Selected 'electric' for a 3-bedroom unit as the property is 'Fully electric'.",
"utility": "Water Heating",
"allowance": 38
},
{
"note": "Selected 3-bedroom allowance. The property description lists 'Central Air' and 'state-of-the art heating and cooling systems'.",
"utility": "Air Conditioning",
"allowance": 17
},
{
"note": "Selected 3-bedroom allowance for general electricity use (lights, outlets, etc.).",
"utility": "Other Electric",
"allowance": 75
},
{
"note": "Selected 3-bedroom allowance. A microwave is not listed in the property's inclusions, so it is assumed to be tenant-owned and its electricity usage is the tenant's responsibility.",
"utility": "Range/Microwave",
"allowance": 18
},
{
"note": "Allowance is $0 because the property inclusions list a 'Refrigerator', indicating it is provided by the landlord.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Selected 3-bedroom allowance. Public water is inferred based on the property being a new construction in an urban area.",
"utility": "Water",
"allowance": 101
},
{
"note": "Selected 3-bedroom allowance. Public sewer is inferred based on the property being a new construction in an urban area.",
"utility": "Sewer",
"allowance": 147
},
{
"note": "The utility schedule has no allowance value for trash collection, implying it is not a tenant expense.",
"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": 460.0,
"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": 16132.97,
"property_management_monthly": 249.2,
"monthly_cash_flow_after_debt": 1344.41,
"cash_on_cash_return_after_debt": 0.54
},
"section8_assessment": {
"runs": [
{
"summary": "New-construction, turnkey single-family home with modern finishes, complete appliances, visible smoke detectors, compliant-looking stairs/guardrails, and a well-kept exterior. Most NSPIRE safety and systems items appear addressed; remaining verification points (GFCI operation, electrical panel labeling, water heater presence/operation, CO alarm if required) are standard final checks for a new build. Likely to pass an initial HCV/NSPIRE inspection with minimal punch-list items and is rent-ready within 1-2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 95.0,
"rationale": "Property appears brand-new (listing states 2025 new construction). Interior finishes, flooring, cabinets, countertops, tile, and paint are all in new, undamaged condition in photos. Appliances (range, microwave, dishwasher, refrigerator) are present and look new — missing-appliance risk is not applicable. Exterior finishes, porches, stairs and decorative railings look complete and well-installed. No visible cosmetic defects, stains, or deferred maintenance. Score reduced slightly from perfect only because some minor punch-list items common to new builds (trim touch-ups, final commissioning) cannot be confirmed from photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 90.0,
"rationale": "Photos show ceiling-mounted smoke detectors in main areas and bedrooms, and exterior doors and porch railings look secure. Bedrooms appear to have egress windows. Interior handrail present on the stair. No visible exposed wiring, major trip hazards, peeling paint, or mold. The home is fully electric per listing (reduces CO risk), and mechanical ventilation/air system is described in listing. Score reduced for items not visible in photos: location/operational test of detectors, presence of CO alarm if locally required, GFCI verification for kitchen/bath, and electrical panel location/labeling. These are likely compliant in a new build but could not be visually confirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 90.0,
"rationale": "Listing explicitly notes 'state-of-the-art heating and cooling systems' and the house is fully electric with Energy Star appliances, suggesting a modern HVAC and electrical installation. Kitchen and bath fixtures look properly installed; tile and plumbing fixtures appear new with no visible leaks. Exterior envelope and roofline in photos appear intact with no signs of water intrusion. Score slightly reduced because the electrical panel, water heater, visible ductwork, and system commissioning / operational testing were not shown; these are reasonable best-guess positives for a new construction home but remain unverified by photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard",
"score": 93.0,
"rationale": "Exterior cladding, windows, porches, steps and decorative guardrails are new and in good condition. Small backyard with vinyl privacy fence appears installed and level; site drainage elements (rain barrels mentioned in listing and visible downspout chains) indicate attention to stormwater. Gravel perimeter and slightly exposed under-porch area are visible but not indicative of failure. No visible foundation cracking, standing water, or infestation evidence in photos. Minor deductions for unobservable items such as final grading away from foundation and roof flashing details."
}
],
"red_flags": [],
"confidence": 0.8,
"assumptions": [
"Property is true new construction (listing year-built 2025) and was built to current code.",
"Smoke detectors shown are installed on required ceilings and are operational; at least one is present in/near sleeping areas.",
"Because the unit is fully electric, carbon monoxide alarms are not expected to be required by safety protocol unless local code requires them; none were visible in photos.",
"GFCI outlets in kitchen and bathrooms and AFCI protection on circuits are installed per modern code though not visible in photos.",
"HVAC (heating and cooling) systems described in the listing are installed and functional; no visible heating evidence was required for operation since the listing describes them.",
"Electrical panel, water heater, and plumbing fixtures exist and were installed to code but were not photographed.",
"Exterior grading and drainage are adequate; rain barrels and downspout chains referenced in listing function as intended.",
"No history of rental activity in last 5 years; rental_history_activity criterion excluded from scoring."
],
"overall_score": 92.0,
"rubric_version": "1.0"
},
{
"summary": "This is a brand-new construction home with modern finishes, complete kitchen appliances, visible smoke detectors, secure-looking exterior access, guardrails, and an intact exterior envelope. Based on photos and the listing description, it is highly likely to pass an initial Housing Choice Voucher / NSPIRE inspection with only minor, quick fixes (final verification of GFCI outlets, electrical panel labeling, deadbolt, and operation of HVAC/water heater). Estimated rent-ready status: turnkey within 1-2 weeks pending final mechanical checks and certificate of occupancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 95.0,
"rationale": "Property appears brand-new (listing year-built 2025) and photos show new flooring, cabinetry, countertops, tile, trim, and no visible cosmetic defects. Full set of kitchen appliances (range, microwave, dishwasher, refrigerator) are present in photos. Minor typical touch-ups (landscaping/gravel cleanup) may be required but there are no visible deferred-maintenance items. Missing appliances would have only moderately reduced score, but here they are installed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 88.0,
"rationale": "Visible smoke detector(s) are present on ceilings in photos. Bedrooms show windows that appear to provide egress. Entry/exit points show solid doors and modern hardware though deadbolt is not visible in photos; assume compliant lock hardware in a new build. Handrails and guardrails are present at the rear steps and look installed to code. No exposed wiring, visible water intrusion, mold, peeling paint, collapsed ceilings or obvious trip hazards in photos. GFCI outlets and electrical panel are not pictured; assumed present in new construction but unverified. Carbon monoxide alarm not visible—property is fully electric so CO detector requirement is typically not applicable but local rules may vary. Score reduced slightly to reflect unverified but likely code items (GFCI, panel labeling, deadbolt)."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 85.0,
"rationale": "Listing specifically describes state-of-the-art heating and cooling (air filtration and recirculation) and the home is fully electric with Energy Star appliances; photos show supply/return vents and modern fixtures. No visible water heater, electrical panel, or mechanical closets in images — assumed installed given new construction. Roof is not clearly pictured but exterior cladding and trim are new and intact. Slight deduction for lack of visible mechanical equipment and inability to confirm operation of HVAC, water heater, and electrical panel labeling prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 90.0,
"rationale": "Exterior photos show new siding/trim, solid porch and stairs, metal guardrail/railings, and a vinyl privacy fence on the side yard. Gravel/drainage strip along foundation is present; downspouts/rainwater features (rain barrels mentioned in listing) are not fully visible but appear to be considered in design. No obvious foundation cracks, standing water, infestation signs, or major site neglect visible. Minor landscaping/weed control likely needed but nothing that would block an initial inspection."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Property is newly built (2025) and mechanical systems (HVAC, water heater, electrical panel) have been installed and are operational as described in the listing.",
"Smoke detectors shown are functional and additional required units (per local code) are installed where not pictured.",
"Carbon monoxide detector is not required due to fully electric dwelling; if local jurisdiction requires CO alarm, one would need to be installed.",
"GFCI protection in kitchen and bathrooms and proper electrical panel labeling are present but not visible in images; score modestly reduced to reflect lack of direct verification.",
"Entry door includes a compliant deadbolt/secure locking hardware typical for new construction, though not visible in photos.",
"No hidden active leaks, major foundation movement, or roof failures exist; absence of visible distress and new-construction status used to infer soundness."
],
"overall_score": 90.0,
"rubric_version": "2026-02-hud-nspire-v1"
},
{
"summary": "This is a brand-new construction home with high likelihood of passing an initial Housing Choice Voucher (NSPIRE) inspection with minimal punch-list items. Interiors and exterior are finished to modern standards, appliances are present, safety features and guardrails are installed, and there are no visible structural or moisture issues. Remaining verification items that an inspector would check (electrical panel labeling and accessibility, GFCI locations, hot-water source, final placement/operation of smoke detectors, and egress window dimensions) are likely compliant on a 2025 build but should be confirmed during the inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 92.0,
"rationale": "Property is brand-new construction (listed 2025) and photos show pristine finishes: new flooring, cabinetry, countertops, tile bath surround, intact drywall, clean paint, and installed Energy Star appliances (range, fridge, microwave, dishwasher). No visible cosmetic damage, stains, or deferred maintenance. Missing/misplaced items: none apparent. Minor expected turnkey touch-ups (trim caulking, punchlist) only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 86.0,
"rationale": "Photos show modern doors and locks, handrails at front ramp and rear steps, intact guardrails on exterior decks, no exposed wiring, no visible water intrusion, and finished ceilings without sagging. A round ceiling device visible in hallway likely a smoke detector. Bedrooms have windows that appear operable for egress. Property is fully electric, so CO detectors are not strictly required for absence of fuel-burning appliances. Unseen items that slightly reduce score: electrical panel, GFCI protection in kitchen/bath, and hot-water source not shown in photos; these are likely present in a new build but cannot be independently confirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 88.0,
"rationale": "Listing advertises state-of-the-art heating & cooling, solar panels, high-efficiency electric systems and Energy Star appliances. Interior photos show modern recessed lighting and powered appliances, implying completed electrical work. No visible roof leaks or water staining inside. Water heater and main electrical panel are not pictured; given new construction and certifications sought, assume new, code-compliant installations. Score reduced slightly for unverified placement/accessibility of mechanicals and for lack of visual of water heater/electrical service."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and walkways",
"score": 90.0,
"rationale": "Exterior images show new siding, intact fascia, vinyl privacy fencing, even gravel drainage strip along foundation, and secure stairs with decorative guardrail. Front ramp with handrail present. Yard is small but maintained; no standing water visible. Foundation appears elevated and even; no visible major cracks or settlement. Slight deductions for narrow side yard/limited clearances and proximity to an old brick structure nearby which could affect site grading but no immediate defect visible."
}
],
"red_flags": [],
"confidence": 0.78,
"assumptions": [
"Property is new construction completed to code in 2025 as listed; major systems were installed per modern code.",
"Appliances shown (electric range, microwave, dishwasher, refrigerator) are included and operational.",
"Round ceiling device(s) visible are functioning smoke detectors and are installed in required locations.",
"No fuel-burning appliances are present (property stated 'fully electric'); therefore carbon monoxide detector requirement is not triggered by gas appliances.",
"Electrical panel, water heater, HVAC equipment exist and are code-compliant though not pictured.",
"Bedrooms’ windows meet egress size requirements typical for new construction in Pittsburgh (inference based on window sizes shown).",
"No hidden active roof leaks, major mold, or concealed structural defects exist given new-construction photos and listing claims. If severe hidden defects were present, risk would be higher."
],
"overall_score": 89.0,
"rubric_version": "2026-02-24-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4826 Chatsworth Ave, Pittsburgh, PA, 15207",
"aggregate": {
"summary": "New-construction, turnkey single-family home with modern finishes, complete appliances, visible smoke detectors, compliant-looking stairs/guardrails, and a well-kept exterior. Most NSPIRE safety and systems items appear addressed; remaining verification points (GFCI operation, electrical panel labeling, water heater presence/operation, CO alarm if required) are standard final checks for a new build. Likely to pass an initial HCV/NSPIRE inspection with minimal punch-list items and is rent-ready within 1-2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 94.0,
"rationale": "Property appears brand-new (listing states 2025 new construction). Interior finishes, flooring, cabinets, countertops, tile, and paint are all in new, undamaged condition in photos. Appliances (range, microwave, dishwasher, refrigerator) are present and look new — missing-appliance risk is not applicable. Exterior finishes, porches, stairs and decorative railings look complete and well-installed. No visible cosmetic defects, stains, or deferred maintenance. Score reduced slightly from perfect only because some minor punch-list items common to new builds (trim touch-ups, final commissioning) cannot be confirmed from photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard",
"score": 91.0,
"rationale": "Exterior cladding, windows, porches, steps and decorative guardrails are new and in good condition. Small backyard with vinyl privacy fence appears installed and level; site drainage elements (rain barrels mentioned in listing and visible downspout chains) indicate attention to stormwater. Gravel perimeter and slightly exposed under-porch area are visible but not indicative of failure. No visible foundation cracking, standing water, or infestation evidence in photos. Minor deductions for unobservable items such as final grading away from foundation and roof flashing details."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 88.0,
"rationale": "Photos show ceiling-mounted smoke detectors in main areas and bedrooms, and exterior doors and porch railings look secure. Bedrooms appear to have egress windows. Interior handrail present on the stair. No visible exposed wiring, major trip hazards, peeling paint, or mold. The home is fully electric per listing (reduces CO risk), and mechanical ventilation/air system is described in listing. Score reduced for items not visible in photos: location/operational test of detectors, presence of CO alarm if locally required, GFCI verification for kitchen/bath, and electrical panel location/labeling. These are likely compliant in a new build but could not be visually confirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 87.7,
"rationale": "Listing explicitly notes 'state-of-the-art heating and cooling systems' and the house is fully electric with Energy Star appliances, suggesting a modern HVAC and electrical installation. Kitchen and bath fixtures look properly installed; tile and plumbing fixtures appear new with no visible leaks. Exterior envelope and roofline in photos appear intact with no signs of water intrusion. Score slightly reduced because the electrical panel, water heater, visible ductwork, and system commissioning / operational testing were not shown; these are reasonable best-guess positives for a new construction home but remain unverified by photos."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Property is true new construction (listing year-built 2025) and was built to current code.",
"Smoke detectors shown are installed on required ceilings and are operational; at least one is present in/near sleeping areas.",
"Because the unit is fully electric, carbon monoxide alarms are not expected to be required by safety protocol unless local code requires them; none were visible in photos.",
"GFCI outlets in kitchen and bathrooms and AFCI protection on circuits are installed per modern code though not visible in photos.",
"HVAC (heating and cooling) systems described in the listing are installed and functional; no visible heating evidence was required for operation since the listing describes them.",
"Electrical panel, water heater, and plumbing fixtures exist and were installed to code but were not photographed.",
"Exterior grading and drainage are adequate; rain barrels and downspout chains referenced in listing function as intended.",
"No history of rental activity in last 5 years; rental_history_activity criterion excluded from scoring."
],
"score_method": "mean_of_criteria",
"overall_score": 90.4,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9738601642"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.