Property ID: 9767690342
8408 5th Ave, Birmingham, AL, 35208
Birmingham, AL
Money Down: $31,200
CoC Return: 1.68%
Monthly Cash Flow: $44
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,000
Closing Costs
$5,200
Total Down
$31,200
Investment Snapshot
Purchase Price
$130,000
Money Down
$31,200
Cash-on-Cash Return
1.68%
Rent
$951
Monthly Cash Flow
$44
Annual Cash Flow
$525
Debt Service / Mo
$692
Property Tax / Mo
$66
Insurance / Mo
$54
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$951
Payment Standard
$1,474
Rent
$951
Insurance
$54
Property Tax
$66
Management
$95
Utilities Allowance
$523
NOI (Monthly)
$736
Debt Service
$692
Cash Flow After Debt
$44
Quality Score: 70.60%
Confidence: 95.00%
Based on the exterior photo, listing statement, and active rental history, this tenant-occupied property appears generally well maintained and likely to pass an initial Section 8 (NSPIRE) inspection with minor repairs and verification. Primary concerns that require verification are interior smoke/CO detectors, GFCI outlets, bedroom egress, heating/HW operation, and addressing exterior trip hazards and vegetation near the foundation. With property management in place and no visible major structural or life-safety failures, the property is likely rent-ready within 30 days pending standard code verifications.
Section 8 Payment Standard
$1,474
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$951
Property Management
$95
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$130,000
Beds
3
Baths
1
Living Area
848 sqft
Lot Size
8,276 sqft
Year Built
1948
Days on Market
19
Capital Outlay
$31,200
Debt Service
$692
Property Tax / Mo
$66
Insurance / Mo
$54
Property Description
Tenant-occupied investment property generating $900/month in rental income with professional property management already in place. This well-maintained home is in great condition and offers a turnkey opportunity for investors seeking steady cash flow. Convenient location with easy access to major roads, shopping, and employers. Do not disturb tenant. Showings by appointment only.
Utility Allowances
Heating
$93
Property has central heating. Fuel type is inferred to be electric as the water heater is electric and no gas service is mentioned. Selected 'Ala Power' as the primary provider for Birmingham.
Cooling
$22
Property has 'Central Air'. Selected 'Alabama Power' as the provider, which is standard for Birmingham.
Water Heating
$56
Property info explicitly lists 'Electric Water Heater'. Selected 'Ala Power' as the corresponding provider.
Cooking
$21
Inferred electric cooking based on other electric appliances (water heater) and no mention of gas. Selected 'Ala Power' as the provider.
Other Electric
$68
This allowance covers general electricity for lights and outlets. 'Ala Power' is the assumed provider for Birmingham.
Water
$78
Property info specifies 'Public Water'. Selected 'Water: Birmingham' based on the property's city.
Sewer
$151
Property info states 'Sewer Connected'. The allowance is from the fixed schedule for a 3-bedroom unit.
Trash Collection
$20
A single-family home requires trash collection. Selected the 'Jefferson City' option as the property is located in Birmingham, Jefferson County.
Refrigerator
$8
The property details do not explicitly state a refrigerator is included, so this allowance for a tenant-provided appliance applies.
Range/Microwave
$6
The property details do not explicitly state a range or microwave is included, so this allowance for tenant-provided appliances applies.
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$516
DP3 Annual Estimate$784
DP1 Monthly Equivalent$43
DP3 Monthly Equivalent$65
Replacement Value$49,600
Basis848 sqft / 1948
Nearby Houses
Photo unavailable
8412 5th Ave S
sold · 0.01 mi
Price: $114,900
3 bd / 2 ba · 1,472 sqft
Latest sale: $114,900 on Nov 30, 2018
Latest rent: —
Photo unavailable
8403 5th Ave S
sold · 0.04 mi
Price: $180,000
3 bd / 3 ba · 1,439 sqft
Latest sale: $180,000
Latest rent: —
Photo unavailable
8401 S 5th Ave
sold · 0.04 mi
Price: $77,000
4 bd / 2 ba · 1,192 sqft
Latest sale: $77,000 on Dec 31, 2024
Latest rent: —
Photo unavailable
8417 5th Ave S
sold · 0.04 mi
Price: $165,000
4 bd / 3 ba · 1,260 sqft
Latest sale: $165,000 on Aug 13, 2021
Latest rent: $1,550 on Mar 24, 2025
Photo unavailable
8417 4th Ave S
sold · 0.05 mi
Price: $28,000
3 bd / 2 ba · 1,050 sqft
Latest sale: $28,000 on Feb 26, 2018
Latest rent: $825 on Oct 06, 2020
Photo unavailable
8421 4th Ave S
sold · 0.05 mi
Price: $9,000
2 bd / 1 ba
Latest sale: $9,000 on Apr 29, 2016
Latest rent: —
Photo unavailable
8429 5th Ave
for_sale · 0.06 mi
Price: $160,000
3 bd / 1 ba · 1,150 sqft
Latest sale: $160,000 on Nov 11, 2021
Latest rent: $1,250 on Jan 22, 2026
Photo unavailable
8429 4th Ave S
sold · 0.06 mi
Price: $92,000
3 bd / 2 ba · 1,256 sqft
Latest sale: $92,000 on Dec 02, 2024
Latest rent: —
Photo unavailable
512 84th St S
sold · 0.07 mi
Price: $110,000
3 bd / 1 ba · 1,349 sqft
Latest sale: $110,000 on Apr 29, 2022
Latest rent: $1,050 on Sep 30, 2025
Photo unavailable
8435 5th Ave S
sold · 0.07 mi
Price: $159,900
4 bd / 3 ba · 2,098 sqft
Latest sale: $159,900 on Mar 23, 2020
Latest rent: —
Photo unavailable
8408 6th Ave S
sold · 0.07 mi
Price: $178,000
3 bd / 2 ba · 1,560 sqft
Latest sale: $178,000 on May 16, 2025
Latest rent: —
Photo unavailable
518 84th St S
for_sale · 0.08 mi
Price: $49,900
2 bd / 1 ba · 993 sqft
Latest sale: $56,500 on Aug 30, 2021
Latest rent: —
Photo unavailable
8408 6th Ave
sold · 0.08 mi
Price: $178,000
3 bd / 2 ba · 1,530 sqft
Latest sale: $178,000 on May 16, 2025
Latest rent: —
Photo unavailable
412 85th St
for_sale · 0.08 mi
Price: $129,000
3 bd / 1 ba · 1,418 sqft
Latest sale: $103,000 on Aug 12, 2021
Latest rent: —
Photo unavailable
509 83rd Pl S
sold · 0.09 mi
Price: $95,000
2 bd / 1 ba · 955 sqft
Latest sale: $95,000 on Jan 04, 2024
Latest rent: $650 on Jan 12, 2019
Photo unavailable
408 85th St S
sold · 0.09 mi
Price: $100,000
3 bd / 1 ba · 936 sqft
Latest sale: $100,000 on Apr 04, 2022
Latest rent: —
Photo unavailable
8322 5th Ave S
sold · 0.09 mi
Price: $109,275
3 bd / 2 ba · 1,372 sqft
Latest sale: $109,275 on Oct 17, 2024
Latest rent: $1,300 on Oct 21, 2024
Photo unavailable
8325 4th Ave S
sold · 0.09 mi
Price: $150,000
3 bd / 1 ba · 1,372 sqft
Latest sale: $150,000 on Jun 26, 2023
Latest rent: $795 on Dec 18, 2014
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Assessment is based on one exterior photo and listing text; interior condition, smoke/CO detectors, GFCI, and egress windows are not visible and must be verified.
- Active tenant occupancy and professional management imply functioning utilities and basic systems (heat, hot water, plumbing) but exact system age/condition is unknown.
- No evidence of major roof leaks, structural sagging, collapsed ceilings, or standing water was visible from the available photo.
- Appliances (stove, refrigerator) and interior safety items are assumed present or replaceable; missing appliances would moderately lower readiness but not constitute automatic inspection failure.
- Vegetation close to foundation increases moisture/pest risk and should be cleared during turnover or pre-inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-18 | Sold | $73,000 |
| 2020-04-06 | Sold | $38,000 |
| 2009-11-30 | Sold | $7,500 |
| 2004-08-25 | Sold | $54,000 |
| 2004-05-25 | Sold | $27,000 |
| 2004-01-29 | Sold | $58,327 |
| 2001-09-24 | Sold | $61,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-07-21 | Listed for rent | $995 | — |
| 2024-08-13 | Listed for rent | $1,020 | — |
| 2022-04-16 | Listed for rent | $950 | — |
| 2020-04-30 | Listed for rent | $787 | — |
| 2018-08-22 | Listed for rent | $700 | — |
Photo Gallery
Show raw JSON (debug)
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"property_id": "9767690342",
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"total_amount_out": 26000.0,
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"effective_date": "2026-01-01"
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"note": "Property has central heating. Fuel type is inferred to be electric as the water heater is electric and no gas service is mentioned. Selected 'Ala Power' as the primary provider for Birmingham.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has 'Central Air'. Selected 'Alabama Power' as the provider, which is standard for Birmingham.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property info explicitly lists 'Electric Water Heater'. Selected 'Ala Power' as the corresponding provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Inferred electric cooking based on other electric appliances (water heater) and no mention of gas. Selected 'Ala Power' as the provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "This allowance covers general electricity for lights and outlets. 'Ala Power' is the assumed provider for Birmingham.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property info specifies 'Public Water'. Selected 'Water: Birmingham' based on the property's city.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property info states 'Sewer Connected'. The allowance is from the fixed schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "A single-family home requires trash collection. Selected the 'Jefferson City' option as the property is located in Birmingham, Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property details do not explicitly state a refrigerator is included, so this allowance for a tenant-provided appliance applies.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property details do not explicitly state a range or microwave is included, so this allowance for tenant-provided appliances applies.",
"utility": "Range/Microwave",
"allowance": 6
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],
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"effective_date": "2026-01-01"
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"property_management_monthly": 95.1,
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"cash_on_cash_return_after_debt": 0.02
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{
"summary": "Based on the exterior photo, listing statement, and active rental history, this tenant-occupied property appears generally well maintained and likely to pass an initial Section 8 (NSPIRE) inspection with minor repairs and verification. Primary concerns that require verification are interior smoke/CO detectors, GFCI outlets, bedroom egress, heating/HW operation, and addressing exterior trip hazards and vegetation near the foundation. With property management in place and no visible major structural or life-safety failures, the property is likely rent-ready within 30 days pending standard code verifications.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Exterior photo shows a generally intact, occupied single-family home with no visible collapsed components. Cosmetic issues: overgrown shrubs partially obscuring windows, cracked/uneven front walkway, painted concrete block foundation with staining, and weathered porch steps/paint. Listing states 'well-maintained' and professional management/tenant in place, suggesting interior cosmetics are likely acceptable. Missing interior photos mean appliances/fixtures cannot be confirmed; absent appliances would moderately reduce readiness but listing income indicates unit is rented and likely functional."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No visible exposed wiring or collapsed structures from exterior. Porch has guardrail; steps appear stable though walkway is cracked (trip hazard). There is no visible active water pooling or roof collapse. Unknowns: presence/location of smoke and CO detectors, GFCI protection in kitchen/bath, bedroom egress window sizes, internal handrails, and hot water availability. Vegetation close to foundation increases risk of moisture/infestation. Because many NSPIRE safety items are not verifiable from the single exterior photo, a moderate deduction is applied."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Roof shingles visible and appear aged but not visibly missing or sagging; chimney present. No exterior HVAC unit is visible in the photo (could be located elsewhere or interior system), and no water heater or electrical panel visibility. Home is tenant-occupied with property management and active rental history, which increases likelihood systems are operational, but age (built 1948) and lack of visible HVAC/water heater evidence create uncertainty about remaining service life. Moderate risk assigned for unknowns in heating, cooling, plumbing, water heater, and electrical system condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Front elevation shows intact siding and trim, functioning downspout on right, and no signs of major foundation displacement or structural sag. Concrete block foundation has staining but no large visible cracks. Grass is maintained but shrubs are overgrown against the house which can trap moisture and pests. Front walkway is cracked and uneven (trip hazard). Driveway/sidewalk condition beyond the front path is unknown. No visible evidence of standing water, large shelling of siding, or pest infestation from the photo."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
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"confidence": 0.6,
"assumptions": [
"Assessment is based on one exterior photo and listing text; interior condition, smoke/CO detectors, GFCI, and egress windows are not visible and must be verified.",
"Active tenant occupancy and professional management imply functioning utilities and basic systems (heat, hot water, plumbing) but exact system age/condition is unknown.",
"No evidence of major roof leaks, structural sagging, collapsed ceilings, or standing water was visible from the available photo.",
"Appliances (stove, refrigerator) and interior safety items are assumed present or replaceable; missing appliances would moderately lower readiness but not constitute automatic inspection failure.",
"Vegetation close to foundation increases moisture/pest risk and should be cleared during turnover or pre-inspection."
],
"overall_score": 72.0,
"rubric_version": "2026-02-16_nsprite_v1"
},
{
"summary": "This tenant-occupied, professionally managed 3-bed bungalow appears largely turn-key with primarily cosmetic and minor site/safety repairs needed. The most notable items from the exterior are a cracked/uneven front walkway (trip hazard), overgrown shrubs against the foundation, staining on cinderblock foundation, and possibly noncompliant/insufficient handrail at the front stairs. Major structural failures (roof collapse, foundation movement, collapsed ceilings, active leaks) are not evident from the provided exterior photo. With a short program-compliance checklist (verify working smoke/CO detectors, add/repair handrail, level/repair walkway, test HVAC/electrical/plumbing) this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks. Rental history within the last 5 years is present and treated as a positive indicator of occupancy and system function.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior visible from photo shows generally intact siding, porch, and roofline with only minor deferred maintenance: cracked/uneven front walkway, overgrown shrubs, painted cinderblock foundation with staining/efflorescence, and need for fresh paint on stairs/trim. Listing calls the home 'well-maintained' and tenant-occupied with professional management, which supports a moderate repair load. Missing interior photos prevent assessment of flooring, cabinets, and appliances; missing appliances would be a moderate penalty but are not evident from exterior. Overall condition suggests mostly cosmetic/finish repairs (easy-to-fix) rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 65.0,
"rationale": "Visible safety concerns include a cracked/uneven walkway (trip hazard) and front stairs that may not have a fully compliant continuous handrail on both sides; porch guardrail appears present but its height/securement cannot be confirmed from the photo. No exposed wiring or collapsed elements are visible and roof does not show obvious sagging. Smoke/CO detectors, GFCI protection, hot water, and interior egress windows cannot be confirmed from the exterior photo; professional property management and current tenancy increase likelihood these are present but this is an assumption. Because some front-line safety items are uncertain or borderline, score reflects moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof shingles appear intact from the front photo (no visible sag or major damage), but detailed roof condition, flashing and chimney condition are not verifiable. No exterior HVAC condenser is visible at the front (often located at side/rear), and electrical panel, water heater and plumbing fixtures are not shown. Age of the house (1948) raises the probability of older electrical/plumbing components. Given tenant-occupied status and professional management, systems are likely functional but unverified; moderate risk remains until interior/system verification is completed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.0,
"rationale": "Siding and exterior trim appear intact with no major holes or missing sections. Foundation block shows staining/efflorescence indicating past moisture; shrubs are touching the house which can increase moisture/pest risk. Gutters/downspouts appear present at the visible corner. The yard and walkway show wear (cracked concrete path) and vegetation maintenance is needed. No obvious evidence of active standing water, large foundation movement, or exterior structural sagging in the provided photo."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Cracked/uneven front walkway creating a trip hazard",
"Front porch stairs may lack a compliant continuous handrail (unsafe stairs)"
],
"confidence": 0.62,
"assumptions": [
"Assessment is based on a single exterior front photo plus listing text; interior condition, presence and functionality of smoke/CO detectors, GFCI outlets, electrical panel condition, hot water, water heater, HVAC equipment, and kitchen appliances cannot be directly observed.",
"Tenant-occupied status with professional property management increases likelihood that basic safety items (smoke detectors, functioning plumbing, heat) are present and maintained unless otherwise visible in photos.",
"No major structural distress is visible in the photo; roof appears intact from front elevation but full roof and attic/ceiling condition are unconfirmed.",
"Because the home was built in 1948 there is an elevated possibility of lead-based paint risk; exterior siding may have been replaced but lead risk cannot be ruled out without testing.",
"Rental history evidence within last 5 years is present and treated as a positive bonus indicator (+5 points) reflecting recent successful tenancy and likely operation of major systems."
],
"overall_score": 72.0,
"rubric_version": "ns_prep_v1"
},
{
"summary": "Based on the exterior photo and listing, this tenant-occupied, professionally managed 3BR home appears generally turnkey for a Housing Choice Voucher inspection with minor, addressable issues. Visible items that should be corrected before or at initial inspection include repairing/leveling the cracked walkway (trip hazard), trimming shrubs that block windows (egress concerns), refreshing/repairing porch steps and railings, and confirming presence/function of smoke and CO alarms, GFCI protection, and operational HVAC/hot water. No obvious major structural or life‑threatening hazards are visible, but interior/system verification is required. Estimated readiness: likely rent-ready with minor repairs and verification within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photo shows a generally intact, occupied bungalow with cosmetic wear: chipped/aged paint on foundation and siding, overgrown shrubs, cracked concrete walkway, and painted wooden front steps that need repainting/maintenance. Porch and railings are present but show age. No visible major interior or structural collapse from exterior view; listing states professionally managed and 'well-maintained.' Missing interior details (appliances, flooring, drywall) cannot be verified from provided photo. Based on visible minor deferred maintenance and listing statement, moderate-high condition score assigned."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 80.0,
"rationale": "No obvious life‑threatening hazards visible in the exterior photo: roofline appears straight (no sag), no visible active leaks or standing water, exterior wiring not visible/exposed, porch guardrail present. Observable trip hazard (cracked walkway) and overgrown shrubs partially blocking lower windows (possible egress impairment). Smoke/CO detectors, GFCI outlets, electrical panel, and hot water cannot be verified from photo; professional property management and active tenancy make it reasonably likely detectors and locks are present. Score reflects low-to-moderate NSPIRE risk but recommends verification of smoke/CO detectors, GFCI, egress windows, and stair/handrail fastening."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "No HVAC equipment, water heater, or electrical panel visible in provided exterior photo. Roof shingles appear aged but intact without visibly missing large sections; chimney present. No visible signs of roof failure or foundation displacement, but staining/efflorescence on block foundation suggests past moisture that should be investigated. Given tenant-occupied status and professional management, primary systems are likely operational, but lack of visual confirmation reduces score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front yard is maintained but slightly overgrown; concrete path shows cracking and unevenness (trip hazard). Foundation block is exposed and shows staining; siding and shutters are aged but appear intact. Driveway/sidewalk and drainage features are not fully visible. No evidence of standing water, major grading problems, or active infestation in the photo. Neighboring homes sit close; site is typical of older urban infill. Score reflects generally serviceable exterior with a few maintenance items to address."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Cracked and uneven concrete walkway creating a trip hazard at primary entrance — needs repair.",
"Overgrown shrubs partially blocking lower windows — potential egress impairment and pest harborage; should be trimmed.",
"Exposed painted cinderblock foundation with staining/efflorescence suggests moisture intrusion risk that requires inspection.",
"Front porch steps/railings are aged and need fastening/inspection to ensure secure handrail and guardrail compliance.",
"Roof appears aged; photographic evidence is insufficient to rule out near-term replacement—recommend roof inspection."
],
"confidence": 0.65,
"assumptions": [
"Interior conditions (smoke/CO detectors, GFCI outlets, operational stove/refrigerator, flooring, walls) are not visible; assumed present/functional or readily repairable based on professional management and active tenancy.",
"Primary mechanical systems (HVAC, water heater, electrical service) are assumed to be present and functional because the property is tenant-occupied and managed, but require verification.",
"No active roof leaks or major foundation movement exist beyond cosmetic staining/efflorescence on the exposed block foundation (inference based on straight roofline and no visible sagging).",
"Entry door has a lockable mechanism (likely deadbolt) given rental status, but this must be confirmed at inspection.",
"Listing description claiming 'well-maintained' and professional management is accurate and reflects ongoing maintenance.",
"Assessment is based on one exterior photo and listing data; interior and system-level conditions could alter scores materially if they reveal defects."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "8408 5th Ave, Birmingham, AL, 35208",
"aggregate": {
"summary": "Based on the exterior photo, listing statement, and active rental history, this tenant-occupied property appears generally well maintained and likely to pass an initial Section 8 (NSPIRE) inspection with minor repairs and verification. Primary concerns that require verification are interior smoke/CO detectors, GFCI outlets, bedroom egress, heating/HW operation, and addressing exterior trip hazards and vegetation near the foundation. With property management in place and no visible major structural or life-safety failures, the property is likely rent-ready within 30 days pending standard code verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.3,
"rationale": "Exterior photo shows a generally intact, occupied single-family home with no visible collapsed components. Cosmetic issues: overgrown shrubs partially obscuring windows, cracked/uneven front walkway, painted concrete block foundation with staining, and weathered porch steps/paint. Listing states 'well-maintained' and professional management/tenant in place, suggesting interior cosmetics are likely acceptable. Missing interior photos mean appliances/fixtures cannot be confirmed; absent appliances would moderately reduce readiness but listing income indicates unit is rented and likely functional."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front elevation shows intact siding and trim, functioning downspout on right, and no signs of major foundation displacement or structural sag. Concrete block foundation has staining but no large visible cracks. Grass is maintained but shrubs are overgrown against the house which can trap moisture and pests. Front walkway is cracked and uneven (trip hazard). Driveway/sidewalk condition beyond the front path is unknown. No visible evidence of standing water, large shelling of siding, or pest infestation from the photo."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 71.7,
"rationale": "No visible exposed wiring or collapsed structures from exterior. Porch has guardrail; steps appear stable though walkway is cracked (trip hazard). There is no visible active water pooling or roof collapse. Unknowns: presence/location of smoke and CO detectors, GFCI protection in kitchen/bath, bedroom egress window sizes, internal handrails, and hot water availability. Vegetation close to foundation increases risk of moisture/infestation. Because many NSPIRE safety items are not verifiable from the single exterior photo, a moderate deduction is applied."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Roof shingles visible and appear aged but not visibly missing or sagging; chimney present. No exterior HVAC unit is visible in the photo (could be located elsewhere or interior system), and no water heater or electrical panel visibility. Home is tenant-occupied with property management and active rental history, which increases likelihood systems are operational, but age (built 1948) and lack of visible HVAC/water heater evidence create uncertainty about remaining service life. Moderate risk assigned for unknowns in heating, cooling, plumbing, water heater, and electrical system condition."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Assessment is based on one exterior photo and listing text; interior condition, smoke/CO detectors, GFCI, and egress windows are not visible and must be verified.",
"Active tenant occupancy and professional management imply functioning utilities and basic systems (heat, hot water, plumbing) but exact system age/condition is unknown.",
"No evidence of major roof leaks, structural sagging, collapsed ceilings, or standing water was visible from the available photo.",
"Appliances (stove, refrigerator) and interior safety items are assumed present or replaceable; missing appliances would moderately lower readiness but not constitute automatic inspection failure.",
"Vegetation close to foundation increases moisture/pest risk and should be cleared during turnover or pre-inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 70.6,
"rubric_version": "2026-02-16_nsprite_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9767690342"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.