Property ID: 9816291401
8904 Township Road 1069, McCutchenville, OH, 44844
McCutchenville, OH
Money Down: $38,400
CoC Return: -6.58%
Monthly Cash Flow: $-211
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$32,000
Closing Costs
$6,400
Total Down
$38,400
Investment Snapshot
Purchase Price
$160,000
Money Down
$38,400
Cash-on-Cash Return
-6.58%
Rent
$802
Monthly Cash Flow
$-211
Annual Cash Flow
$-2,526
Debt Service / Mo
$852
Property Tax / Mo
$51
Insurance / Mo
$30
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$802
Payment Standard
$973
Rent
$802
Insurance
$30
Property Tax
$51
Management
$80
Utilities Allowance
$171
NOI (Monthly)
$641
Debt Service
$852
Cash Flow After Debt
$-211
Quality Score: 78.10%
Confidence: 92.00%
Overall the property appears largely move-in ready for a Section 8 / HCV initial inspection. Major house systems and envelope show recent replacement (roof, siding, gutters, HVAC, windows) which strongly reduces inspection risk. The primary concerns are verification of required safety devices (smoke and CO detectors, GFCI outlets), confirmation of egress in bedrooms, and the condition of the detached 3-car garage/outbuilding (older roof and onsite debris). With quick verification/installation of detectors, a brief check of electrical GFCI and minor site cleanup/garage repairs, the home should pass NSPIRE checks and be ready to rent within ~30 days.
Section 8 Payment Standard
$973
Utility Allowance Total
$171
Guaranteed Section 8 Rent (PS - Utilities)
$802
Property Management
$80
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$160,000
Beds
2
Baths
1
Living Area
896 sqft
Lot Size
18,295 sqft
Year Built
1948
Days on Market
113
Capital Outlay
$38,400
Debt Service
$852
Property Tax / Mo
$51
Insurance / Mo
$30
Property Description
Do not miss this charming 2-bedroom, 1-bath home with a spacious three-car detached garage. Property features extensive recent updates including a new gable porch, new roof, new siding, new gutters, new well and downspouts. Interior mechanicals have been fully upgraded with a new A/C, new gas furnace and all new ductwork. Vinyl replacement windows throughout provide energy efficiency and low maintenance. A solid, move-in-ready home with major systems already done. A fantastic opportunity for homeowners or investors.
Utility Allowances
Heating (Natural Gas)
$61
Selected 'Natural Gas' for heating as explicitly stated in the property information ('Heating Features: Forced Air, Natural Gas'). Used the 2-bedroom allowance from the schedule.
Cooking (Natural Gas)
$10
Selected 'Natural Gas' for cooking as the property is connected to natural gas for heating, making it the most likely fuel source. Used the 2-bedroom allowance.
Water Heating (Natural Gas)
$27
Selected 'Natural Gas' for water heating, assuming consistency with the home's primary heating fuel. Used the 2-bedroom allowance from the schedule.
Other Electric
$32
Included as a standard utility for any electrified residence to cover lights and general appliances. Used the 2-bedroom allowance.
Refrigerator (Tenant-Owned)
$8
The property description does not list a refrigerator as included, so it is assumed to be tenant-owned per the rules. Used the 2-bedroom fixed allowance.
Range (Tenant-Owned)
$8
The property description does not list a range/oven as included, so it is assumed to be tenant-owned per the rules. Used the 2-bedroom fixed allowance.
Trash Collection
$25
Trash collection is a standard tenant responsibility for a single-family home unless specified otherwise. Used the fixed allowance for a 2-bedroom unit.
Water
$0
The property has a private well ('Water Source: Well'), so no public water utility costs are incurred.
Sewer
$0
The property uses a private septic system ('Sewer: Septic Tank'), so no public sewer utility costs are incurred.
Air Conditioning
$0
The property has central air, but the utility schedule provides no specific allowance for this utility (values are null). The electricity cost is assumed to be part of the 'Other Electric' allowance.
Source References
Payment Standard Source
Effective Date:
Dec 01, 2025
Utility Allowance Source
Effective Date:
Aug 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$348
DP3 Annual Estimate$364
DP1 Monthly Equivalent$29
DP3 Monthly Equivalent$30
Replacement Value$38,860
Basis896 sqft / 1948
Nearby Houses
Photo unavailable
4404 W Trl # 1070
sold · 0.03 mi
Price: $139,900
3 bd / 1 ba · 1,140 sqft
Latest sale: $139,900
Latest rent: —
Photo unavailable
8845 S State Route 53
sold · 0.04 mi
Price: $10,000
— bd / — ba
Latest sale: $10,000
Latest rent: —
Photo unavailable
8929 High St
sold · 0.04 mi
Price: $106,000
3 bd / 2 ba · 1,528 sqft
Latest sale: $106,000
Latest rent: —
Photo unavailable
8929 Township Road 1069
sold · 0.04 mi
Price: $163,000
3 bd / 2 ba · 1,528 sqft
Latest sale: $163,000
Latest rent: —
Photo unavailable
8955 High St
sold · 0.05 mi
Price: $128,900
3 bd / 2 ba · 1,200 sqft
Latest sale: $128,900
Latest rent: —
Photo unavailable
8801 S State Route 53
sold · 0.08 mi
Price: $161,000
2 bd / 1 ba · 1,764 sqft
Latest sale: $161,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Detached 3-car garage / outbuilding roof shows age, unevenness and possible sagging — potential structural/roof failure risk.
- Accumulated debris and loose materials around the outbuilding/garage present trip/fire hazards and should be removed.
- Presence/operation of required life-safety devices (smoke detectors, carbon monoxide detectors) and GFCI protection in wet areas not verified in photos — must be confirmed or installed before inspection.
Assumptions
- Listing description is accurate that the roof, siding, gutters, A/C, gas furnace, ductwork and well are new or recently replaced.
- Interior photos are representative of overall interior condition; no hidden active leaks, severe mold, or collapsed ceilings exist inside (none visible in photos).
- Kitchen and bathroom condition (fixtures, hot water, plumbing) are functional though not pictured; missing appliances (stove/fridge) are possible but considered easily remedied and not counted as structural failures.
- Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible in photos and therefore assumed to be absent/unknown until confirmed.
- Snow cover in photos hides some ground-level conditions (trip hazards, surface cracks) and may conceal minor exterior defects.
- Detached garage is treated separately from the primary dwelling for risk scoring but could affect overall site safety if not repaired.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $595 | $45,250 | $15,840 |
| 2023 | $580 | $45,250 | $15,840 |
| 2022 | $482 | $32,470 | $11,370 |
| 2021 | $477 | $32,470 | $11,370 |
| 2020 | $488 | $32,470 | $11,370 |
| 2019 | $483 | $32,470 | $11,370 |
| 2018 | $487 | $32,470 | $11,370 |
| 2017 | $485 | $32,470 | $11,370 |
| 2016 | $448 | $30,760 | $10,770 |
| 2015 | $444 | $30,760 | $10,770 |
| 2014 | $417 | $30,760 | $10,770 |
| 2013 | $433 | $30,760 | $10,770 |
| 2012 | $434 | — | $10,770 |
| 2011 | $399 | — | $10,770 |
| 2009 | $409 | — | $11,200 |
| 2008 | $409 | $32,000 | $11,200 |
| 2007 | $406 | $31,790 | $11,130 |
| 2006 | $407 | $31,790 | $11,130 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-01 | Price Changed | $160,000 |
| 2025-12-16 | Listed | $165,000 |
| 2022-05-26 | Listed | $129,900 |
| 2022-05-23 | Sold | $113,000 |
| 2022-04-19 | Listed | $129,900 |
| 2022-04-18 | Listed | $129,900 |
Photo Gallery
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{
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{
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{
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{
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{
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{
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{
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{
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"effective_date": "2025-08-01"
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"utility_allowances": [
{
"note": "Selected 'Natural Gas' for heating as explicitly stated in the property information ('Heating Features: Forced Air, Natural Gas'). Used the 2-bedroom allowance from the schedule.",
"utility": "Heating (Natural Gas)",
"allowance": 61
},
{
"note": "Selected 'Natural Gas' for cooking as the property is connected to natural gas for heating, making it the most likely fuel source. Used the 2-bedroom allowance.",
"utility": "Cooking (Natural Gas)",
"allowance": 10
},
{
"note": "Selected 'Natural Gas' for water heating, assuming consistency with the home's primary heating fuel. Used the 2-bedroom allowance from the schedule.",
"utility": "Water Heating (Natural Gas)",
"allowance": 27
},
{
"note": "Included as a standard utility for any electrified residence to cover lights and general appliances. Used the 2-bedroom allowance.",
"utility": "Other Electric",
"allowance": 32
},
{
"note": "The property description does not list a refrigerator as included, so it is assumed to be tenant-owned per the rules. Used the 2-bedroom fixed allowance.",
"utility": "Refrigerator (Tenant-Owned)",
"allowance": 8
},
{
"note": "The property description does not list a range/oven as included, so it is assumed to be tenant-owned per the rules. Used the 2-bedroom fixed allowance.",
"utility": "Range (Tenant-Owned)",
"allowance": 8
},
{
"note": "Trash collection is a standard tenant responsibility for a single-family home unless specified otherwise. Used the fixed allowance for a 2-bedroom unit.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "The property has a private well ('Water Source: Well'), so no public water utility costs are incurred.",
"utility": "Water",
"allowance": 0
},
{
"note": "The property uses a private septic system ('Sewer: Septic Tank'), so no public sewer utility costs are incurred.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "The property has central air, but the utility schedule provides no specific allowance for this utility (values are null). The electricity cost is assumed to be part of the 'Other Electric' allowance.",
"utility": "Air Conditioning",
"allowance": 0
}
],
"cash_on_cash_return": 0.24,
"down_payment_amount": 32000.0,
"property_tax_annual": 612.85,
"property_tax_monthly": 51.07,
"property_tax_increase": 0.03,
"utility_allowance_total": 171.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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"https://hancockmetro.com/wp-content/uploads/2025/10/2026-Payment-Standards.pdf"
],
"effective_date": "2025-12-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": -2526.3,
"property_management_monthly": 80.2,
"monthly_cash_flow_after_debt": -210.52,
"cash_on_cash_return_after_debt": -0.08
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"runs": [
{
"summary": "Overall the property appears largely move-in ready for a Section 8 / HCV initial inspection. Major house systems and envelope show recent replacement (roof, siding, gutters, HVAC, windows) which strongly reduces inspection risk. The primary concerns are verification of required safety devices (smoke and CO detectors, GFCI outlets), confirmation of egress in bedrooms, and the condition of the detached 3-car garage/outbuilding (older roof and onsite debris). With quick verification/installation of detectors, a brief check of electrical GFCI and minor site cleanup/garage repairs, the home should pass NSPIRE checks and be ready to rent within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Exterior appears recently renovated (new siding, new roof, new gutters and porch per listing and visible in photos). Exterior paint/trim and vinyl windows look new. Interior living area photo shows finished walls, trim and carpet in serviceable condition; ceiling appears intact and ceiling fan present. No obvious interior water damage or collapsed surfaces visible. Missing/unknown items: kitchen appliances and bathroom condition not shown. Overall visible deferred maintenance is minimal."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 75.0,
"rationale": "Visible positive items: new vinyl windows, intact electrical service/meter, exterior AC unit present, concrete walk to entry, basement bulkhead in place. No visible exposed wiring, no peeling paint or obvious mold. Unknowns: smoke and carbon monoxide detectors are not visible in photos, GFCI protection in kitchen/bath unknown, bedroom egress compliance cannot be fully confirmed from photos. Front steps have a single metal handrail on one side; porch perimeter guardrail not present but drop appears low. Detached garage/outbuilding roof shows aging and possible sag/deterioration which could be a safety issue if structural. Given listed mechanical upgrades and generally tidy appearance, risk is moderate but several required items (detectors/GFCI/egress confirmation) should be verified before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 85.0,
"rationale": "Listing states all major mechanicals replaced: new A/C, new gas furnace and new ductwork, and a new well. Exterior photo confirms an outdoor A/C condensing unit. New roof and gutters are noted and visually supported. Electrical service and meter are present and appear intact. Water heater/plumbing and furnace location/operation are not shown, but listing claims upgrades. With those documented upgrades, major systems likely in good working order; recommend confirmation via service receipts and test-run prior to tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Main house exterior, siding and foundation look in good condition and drainage appears managed with new gutters/downspouts. Concrete walk and ramp provide safe access. However, the detached three-car garage / outbuilding shows an older roof with rust/uneven areas and accumulated debris around it; some roof panels look aged and possibly sagging. Yard has scattered debris near the outbuilding. These site issues are largely limited to an outbuilding but raise safety/repair needs and could require attention prior to passing any exterior-focused inspection items."
}
],
"red_flags": [
"Detached 3-car garage / outbuilding roof shows age, unevenness and possible sagging — potential structural/roof failure risk.",
"Accumulated debris and loose materials around the outbuilding/garage present trip/fire hazards and should be removed.",
"Presence/operation of required life-safety devices (smoke detectors, carbon monoxide detectors) and GFCI protection in wet areas not verified in photos — must be confirmed or installed before inspection."
],
"confidence": 0.7,
"assumptions": [
"Listing description is accurate that the roof, siding, gutters, A/C, gas furnace, ductwork and well are new or recently replaced.",
"Interior photos are representative of overall interior condition; no hidden active leaks, severe mold, or collapsed ceilings exist inside (none visible in photos).",
"Kitchen and bathroom condition (fixtures, hot water, plumbing) are functional though not pictured; missing appliances (stove/fridge) are possible but considered easily remedied and not counted as structural failures.",
"Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible in photos and therefore assumed to be absent/unknown until confirmed.",
"Snow cover in photos hides some ground-level conditions (trip hazards, surface cracks) and may conceal minor exterior defects.",
"Detached garage is treated separately from the primary dwelling for risk scoring but could affect overall site safety if not repaired."
],
"overall_score": 80.0,
"rubric_version": "2026-02-24_v1"
},
{
"summary": "This 2-bed single‑family appears broadly move‑in ready for Section 8 with many major systems recently replaced (new roof/siding on house, new furnace, A/C and ductwork, new well, replacement windows). The primary inspection risks are documentation and verification items that cannot be confirmed from photos: presence/function of smoke and CO detectors, GFCI outlets, egress window sizes, water heater/hot water, and condition of electrical panel and kitchen/bath fixtures/appliances. The detached three‑car garage shows roof deterioration and yard debris that should be addressed. If detectors, GFCI, and required egress are in place and the interior plumbing/appliances operate, this property is likely to pass an initial HCV/NSPIRE inspection after only minor fixes and readiness tasks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Overall condition and visible repairs",
"score": 80.0,
"rationale": "Exterior and many interior finishes appear recently updated: new siding, new roof (listing), new gutters/downspouts, new porch, vinyl replacement windows and fresh exterior paint. Interior photo (living area) shows finished walls, trim and ceiling fan in good condition. Observable deferred items are minor cosmetic: porch surface needs finish/paint, small concrete step wear, and yard/debris near the detached garage. Kitchen and bath photos are not provided so appliance condition is unknown; absence of visible appliances reduces score moderately but the structure and finishes are good."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: electrical service and meter appear intact, gutters/downspouts present, no visible major water intrusion, and exterior egress looks unobstructed. New furnace and A/C (listing) address heating/AC safety. However key NSPIRE items are not documented in photos: smoke detectors and carbon monoxide alarms are not visible; GFCI protection in kitchen/bath is unverified; bedroom egress window sizes are not proven from pictures; basement bulkhead cover condition is unknown. Front entry has a single handrail on the small steps; the porch perimeter lacks a guardrail (platform height appears low but must be confirmed). These unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 85.0,
"rationale": "Listing states new A/C, new gas furnace and all new ductwork, plus a new well — strong indicators the major systems were recently replaced. Exterior shows an outdoor A/C unit and visible service conduit/meter for electrical. House roof and siding are reported new and visually consistent with recent work. Items not verified in photos: water heater, age/condition of electrical panel internals, and plumbing fixtures/hot water operation. Overall system risk is low based on listing claims and visible equipment."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and outbuildings",
"score": 75.0,
"rationale": "House exterior, foundation masonry and grade look sound; vinyl windows and new siding are complete. Concrete walkway from driveway to entrance is present. However the detached 3‑car garage/outbuilding shows an older/flat roof with visible wear and scattered debris around the structure; that building may require repair or roof replacement. Yard is generally level, but photos show leftover materials near the garage and an unsecured bulkhead cover — maintenance items that should be cleared before inspection."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in provided interior photos (required for HCV/NSPIRE).",
"Detached 3‑car garage roof shows age/deterioration and visible debris — potential active leaks or structural concerns for that outbuilding.",
"Basement/crawlspace bulkhead cover condition and security are not verified (potential egress/safety hazard).",
"Porch lacks continuous perimeter guardrail (photos show posts but no railing along platform); may require guardrail depending on platform height and local code."
],
"confidence": 0.7,
"assumptions": [
"Listing claims are accurate: house roof, siding, gutters/downspouts, new porch, new furnace, new A/C and all ductwork, and a new well have been installed and are functioning.",
"Interior mechanicals (furnace/AC) are operational and properly vented and installed per code.",
"Water heater and hot water are present and functional (not shown in photos).",
"Bedroom egress windows meet local egress dimensions or will be verified during inspection; photos are not sufficient to confirm.",
"Kitchen and bathroom fixtures exist and are serviceable; appliances (stove/fridge) are not shown and may be missing — missing appliances would be a moderate issue but not an immediate safety failure.",
"Electrical service and meter visible are assumed intact; internal panel condition and grounding are not visible and must be verified onsite.",
"Porch platform height is low enough to avoid guardrail requirement or will be fitted if required; current handrail on one step is secure.",
"Detached garage condition (roof) is not part of primary dwelling systems for HCV pass/fail but will be noted as property maintenance concern."
],
"overall_score": 78.0,
"rubric_version": "ns-pire-2025-v1"
},
{
"summary": "This 2-bed single-family appears largely move-in ready with recent major system upgrades (new roof, siding, A/C, furnace, ductwork, windows) and generally sound exterior and interior condition. Primary risks for an initial HCV/NSPIRE inspection are missing/uncertain smoke and CO detectors, unconfirmed GFCI protection and bedroom egress dimensions, and a front porch without a continuous guardrail which could trigger a fail depending on measured drop. The detached three-car outbuilding shows visible roof wear and debris that should be cleared or repaired. Most issues are fixable with minor work prior to inspection; overall the property is likely to pass after addressing detector installation, verifying GFCIs/egress, and adding/repairing porch guardrail and cleaning the outbuilding area.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Deferred Maintenance",
"score": 78.0,
"rationale": "Exterior and interior photos show recent visible upgrades (new siding, fresh paint/trim, new windows, new porch structure). Interior living area appears clean with intact ceilings and finishes. Minor cosmetic items noted: carpeted floors (may need cleaning or replacement for tenancy), front porch has exposed edge with no continuous guardrail, and detached outbuilding shows wear and scattered debris. No major interior structural defects visible. Absence of kitchen photos means appliances presence is unconfirmed; missing appliances would be a moderate deduction if absent. Overall largely cosmetic and small repair items."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risks",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible in photos: ceilings intact, exterior electrical service appears installed and meter/service mast present, exterior HVAC condenser present. Concerns: no smoke/CO detectors are visible in interior photos (required), the front porch platform has no continuous guardrail on the open side (could fail inspection if height exceeds local guardrail threshold), GFCI protection in kitchen/bath cannot be verified from images, and bedroom egress windows cannot be fully confirmed. No signs of active roof leaks or major water intrusion in the photos. These are moderate NSPIRE risks that can usually be resolved quickly but could cause inspection failures if not addressed prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Roof, Electric, Plumbing)",
"score": 85.0,
"rationale": "Listing states new roof, new A/C, new gas furnace and new ductwork; exterior photo confirms modern/condenser A/C unit and intact roofline/gutters. Electrical service and meter present and appear intact from exterior. New well is reported in listing (supports water supply). Interior mechanicals are described as upgraded; no visible evidence of HVAC failure or roof damage. Unknowns: water heater and GFCI/protection for plumbing fixtures not visible. Given listing statements and visible mechanicals, systems appear recently updated and in good condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "House exterior shows new siding, gutters and downspouts, and generally clean foundation exposure. Walkway and concrete paths are present (snow-covered), and yard is level and appears well-drained. Negative observations: detached three-car outbuilding/garage shows roof wear/rusted panels and has scattered debris and lumber nearby, which is a safety and aesthetic issue and could indicate deferred maintenance on outbuildings. Front porch lacks a continuous guardrail across the open edge. Some yard debris near the outbuilding could be a trip/fire hazard. Overall yard and primary structure are acceptable but outbuilding condition reduces score."
}
],
"red_flags": [
"Front porch open edge lacks a continuous guardrail — possible fall hazard and NSPIRE/inspection fail if height threshold exceeded.",
"Detached three-car outbuilding/garage roof shows visible wear and rust; structural/roof failure risk and debris around it pose safety hazards.",
"No visible smoke detectors or CO alarms in the interior photo set — required for pass and life-safety compliance.",
"Debris/loose materials near outbuilding could be trip/fire hazards and must be cleared prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Listing text is accurate: roof, siding, gutters, well, A/C, gas furnace and ductwork are new and operational.",
"Interior kitchen appliances (stove/refrigerator) are not shown; their presence is unknown. Missing appliances would be a moderate deduction but not an automatic safety fail.",
"Smoke and CO detectors are not visible in provided interior photos; assume they are not verified and may need installation or repositioning to meet NSPIRE locations.",
"Bedroom window sizes/egress compliance cannot be confirmed from exterior photos; assume typical windows may meet egress but must be verified during inspection.",
"Front porch height above grade is estimated from photos; absence of a full-length guardrail is assumed to be a potential code issue depending on local height requirements.",
"Detached garage/outbuilding roof and siding condition shown in photos is representative; interior condition of that structure is unknown.",
"Walkways and steps are snow-covered in photos; assume no major trip/ice hazards remain after normal maintenance but verify handrails and non-slip surfaces before inspection."
],
"overall_score": 76.0,
"rubric_version": "nsPIRE_v1.0_2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "8904 Township Road 1069, McCutchenville, OH, 44844",
"aggregate": {
"summary": "Overall the property appears largely move-in ready for a Section 8 / HCV initial inspection. Major house systems and envelope show recent replacement (roof, siding, gutters, HVAC, windows) which strongly reduces inspection risk. The primary concerns are verification of required safety devices (smoke and CO detectors, GFCI outlets), confirmation of egress in bedrooms, and the condition of the detached 3-car garage/outbuilding (older roof and onsite debris). With quick verification/installation of detectors, a brief check of electrical GFCI and minor site cleanup/garage repairs, the home should pass NSPIRE checks and be ready to rent within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 81.0,
"rationale": "Exterior appears recently renovated (new siding, new roof, new gutters and porch per listing and visible in photos). Exterior paint/trim and vinyl windows look new. Interior living area photo shows finished walls, trim and carpet in serviceable condition; ceiling appears intact and ceiling fan present. No obvious interior water damage or collapsed surfaces visible. Missing/unknown items: kitchen appliances and bathroom condition not shown. Overall visible deferred maintenance is minimal."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 71.7,
"rationale": "Main house exterior, siding and foundation look in good condition and drainage appears managed with new gutters/downspouts. Concrete walk and ramp provide safe access. However, the detached three-car garage / outbuilding shows an older roof with rust/uneven areas and accumulated debris around it; some roof panels look aged and possibly sagging. Yard has scattered debris near the outbuilding. These site issues are largely limited to an outbuilding but raise safety/repair needs and could require attention prior to passing any exterior-focused inspection items."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 71.7,
"rationale": "Visible positive items: new vinyl windows, intact electrical service/meter, exterior AC unit present, concrete walk to entry, basement bulkhead in place. No visible exposed wiring, no peeling paint or obvious mold. Unknowns: smoke and carbon monoxide detectors are not visible in photos, GFCI protection in kitchen/bath unknown, bedroom egress compliance cannot be fully confirmed from photos. Front steps have a single metal handrail on one side; porch perimeter guardrail not present but drop appears low. Detached garage/outbuilding roof shows aging and possible sag/deterioration which could be a safety issue if structural. Given listed mechanical upgrades and generally tidy appearance, risk is moderate but several required items (detectors/GFCI/egress confirmation) should be verified before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 85.0,
"rationale": "Listing states all major mechanicals replaced: new A/C, new gas furnace and new ductwork, and a new well. Exterior photo confirms an outdoor A/C condensing unit. New roof and gutters are noted and visually supported. Electrical service and meter are present and appear intact. Water heater/plumbing and furnace location/operation are not shown, but listing claims upgrades. With those documented upgrades, major systems likely in good working order; recommend confirmation via service receipts and test-run prior to tenancy."
}
],
"red_flags": [
"Detached 3-car garage / outbuilding roof shows age, unevenness and possible sagging — potential structural/roof failure risk.",
"Accumulated debris and loose materials around the outbuilding/garage present trip/fire hazards and should be removed.",
"Presence/operation of required life-safety devices (smoke detectors, carbon monoxide detectors) and GFCI protection in wet areas not verified in photos — must be confirmed or installed before inspection."
],
"confidence": 0.92,
"assumptions": [
"Listing description is accurate that the roof, siding, gutters, A/C, gas furnace, ductwork and well are new or recently replaced.",
"Interior photos are representative of overall interior condition; no hidden active leaks, severe mold, or collapsed ceilings exist inside (none visible in photos).",
"Kitchen and bathroom condition (fixtures, hot water, plumbing) are functional though not pictured; missing appliances (stove/fridge) are possible but considered easily remedied and not counted as structural failures.",
"Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible in photos and therefore assumed to be absent/unknown until confirmed.",
"Snow cover in photos hides some ground-level conditions (trip hazards, surface cracks) and may conceal minor exterior defects.",
"Detached garage is treated separately from the primary dwelling for risk scoring but could affect overall site safety if not repaired."
],
"score_method": "mean_of_criteria",
"overall_score": 78.1,
"rubric_version": "2026-02-24_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9816291401"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.