Property ID: 9892688551
2617-2619 Spring Garden Ave, Pittsburgh, PA, 15212
Pittsburgh, PA
Money Down: $42,000
CoC Return: 30.05%
Monthly Cash Flow: $1,052
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,000
Closing Costs
$7,000
Total Down
$42,000
Investment Snapshot
Purchase Price
$175,000
Money Down
$42,000
Cash-on-Cash Return
30.05%
Rent
$2,498
Monthly Cash Flow
$1,052
Annual Cash Flow
$12,620
Debt Service / Mo
$931
Property Tax / Mo
$245
Insurance / Mo
$20
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,498
Payment Standard
$2,952
Rent
$2,498
Insurance
$20
Property Tax
$245
Management
$250
Utilities Allowance
$454
NOI (Monthly)
$1,983
Debt Service
$931
Cash Flow After Debt
$1,052
Quality Score: 67.80%
Confidence: 93.00%
This two-unit single-family investment appears largely turn-key with mostly cosmetic and capital-refresh items visible (carpet, paint, dated finishes). Exterior envelope and roof appear serviceable and there is off‑street parking. Primary inspection risks are unverified life‑safety and mechanical items: smoke/CO detectors, GFCI protection, bedroom egress, and confirmation of working heating and hot water. With targeted, short‑term work (install/verify detectors, confirm HVAC and hot water, minor cosmetic cleanup and any missing appliances) the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. No catastrophic structural failures are evident from the provided photos.
Section 8 Payment Standard
$2,952
Utility Allowance Total
$454
Guaranteed Section 8 Rent (PS - Utilities)
$2,498
Property Management
$250
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$175,000
Beds
3
Baths
1
Living Area
1,488 sqft
Lot Size
5,480 sqft
Year Built
1900
Days on Market
92
Capital Outlay
$42,000
Debt Service
$931
Property Tax / Mo
$245
Insurance / Mo
$20
Property Description
Welcome to 2617-2619 Spring Garden Avenue - a unique investment opportunity in the heart of Pittsburgh! This well-maintained property is located just minutes from downtown with quick access to major highways, offering convenience for both homeowners and tenants. Live in 2617, a spacious 3-bedroom home featuring newer flooring throughout the first-floor hallway, a convenient second-floor laundry room, and an updated upstairs bathroom. Next door, the 2-bedroom unit at 2619 has been updated and includes a bonus room on the first floor, perfect for storage. As well as a powder room on the main floor. Both units offer plenty of off-street parking with an extra lot on each side, totaling 4 lots altogether, a rare find in the city. Whether you're looking for a smart investment or a home with built-in rental income, 2617-2619 Spring Garden Avenue offers comfort, functionality, and long-term value. You don't want to miss out!!
Utility Allowances
Heating (Natural Gas)
$82
Selected 'natural_gas' for a 3-bedroom unit based on property details specifying 'Heating Features: Gas'.
Cooking (Natural Gas)
$8
Selected 'natural_gas' for a 3-bedroom unit as the property's inclusions list a 'Gas Stove'.
Water Heating (Natural Gas)
$24
Selected 'natural_gas' for a 3-bedroom unit. This fuel type is inferred to be consistent with the property's gas heating and cooking systems.
Water
$101
Selected monthly allowance for a 3-bedroom unit as property details list 'Water Source: Public'.
Sewer
$147
Selected monthly allowance for a 3-bedroom unit as property details list 'Sewer: Public'.
Air Conditioning
$17
Allowance for a 3-bedroom unit included for tenant-provided window units, as central AC is not listed as a feature.
Other Electric
$75
Standard allowance for a 3-bedroom unit, covering general electricity for lights, outlets, and fans.
Refrigerator
$0
The property listing includes a 'Refrigerator', so this cost is not the tenant's responsibility.
Range / Microwave
$0
The property listing includes a 'Microwave Oven', so this cost is not the tenant's responsibility. The gas range is covered under the 'Cooking' allowance.
Trash Collection
$0
The utility schedule does not provide an allowance value for trash collection; it is likely covered by the landlord or billed separately.
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$157
DP3 Annual Estimate$325
DP1 Monthly Equivalent$13
DP3 Monthly Equivalent$27
Replacement Value$10,700
Basis1,488 sqft / 1900
Nearby Houses
Photo unavailable
2617-2619 Spring Garden Ave
for_sale
Price: $175,000
5 bd / 3 ba
Latest sale: —
Latest rent: —
Photo unavailable
2542-44 Spring Garden Ave
sold · 0.05 mi
Price: $55,000
— bd / — ba
Latest sale: $55,000
Latest rent: —
Photo unavailable
2714 Spring Garden Ave
sold · 0.05 mi
Price: $77,500
2 bd / 1 ba · 1,114 sqft
Latest sale: $77,500
Latest rent: —
Photo unavailable
2819 Spring Garden Ave
off_market · 0.12 mi
Price: $115,000
2 bd / 2 ba · 1,344 sqft
Latest sale: $5,000
Latest rent: —
Photo unavailable
2794 Mount Troy Rd
sold · 0.12 mi
Price: $42,500
3 bd / 2 ba · 1,799 sqft
Latest sale: $42,500
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in photos (required for pass).
- No visible heating system or water heater shown — mechanical operation unverified (NSPIRE major concern).
- Unverified bedroom egress (upper-floor windows not clearly shown to meet egress dimensions).
- Steep wooded hillside immediately behind the property — potential drainage/retaining/erosion risk that should be evaluated.
Assumptions
- Listing text is accurate: upstairs bathroom updated and second-floor laundry room is present and functional.
- Kitchens and major appliances (stove, refrigerator) are likely present but not shown; their presence/condition could slightly change readiness score.
- There is a working heating system and water heater in the building but photos did not show them; score reflects conservative uncertainty.
- Smoke and carbon monoxide detectors were not visible in photos; assume they are not installed or not recently verified for NSPIRE compliance until shown.
- Electrical service is intact and not showing obvious exterior hazard; internal panel and GFCI presence are unknown.
- No active interior water intrusion or mold visible in provided photos; hidden issues could exist behind finishes but none are evident.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-23 | Price Changed | $175,000 |
| 2026-02-08 | Price Changed | $180,000 |
| 2026-01-07 | Listed | $200,000 |
Photo Gallery
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"source_name": "WestPenn",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "1707426",
"price_change_percentage": null
},
{
"date": "2026-02-08",
"price": 180000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-07T01:27:47Z",
"list_price": 175000,
"listing_id": "2983455044",
"last_update_date": "2026-02-23T07:54:36Z",
"last_status_change_date": "2026-01-07T01:27:47Z"
},
"event_name": "Price Changed",
"price_sqft": 120.96774193548387,
"source_name": "WestPenn",
"price_change": -20000,
"days_after_listed": null,
"source_listing_id": "1707426",
"price_change_percentage": null
},
{
"date": "2026-01-07",
"price": 200000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-07T01:27:47Z",
"list_price": 175000,
"listing_id": "2983455044",
"last_update_date": "2026-02-23T07:54:36Z",
"last_status_change_date": "2026-01-07T01:27:47Z"
},
"event_name": "Listed",
"price_sqft": 134.40860215053763,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1707426",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "9892688551",
"generated_at": "2026-02-25T00:09:42.125199Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.8
},
"utility_allowance": {
"zip_code": "15212",
"home_photo": "https://ap.rdcpix.com/858f9f3cd7096b71d48e1213e82ad71fl-m796655785s-w1280.jpg",
"rent_price": 2498.0,
"loan_amount": 140000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2617-2619-Spring-Garden-Ave_Pittsburgh_PA_15212_M98926-88551",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 175000.0,
"loan_term_years": 30,
"annual_cash_flow": 23797.4,
"mortgage_monthly": 931.42,
"payment_standard": 2952.0,
"total_amount_out": 35000.0,
"additional_photos": [
"https://ap.rdcpix.com/858f9f3cd7096b71d48e1213e82ad71fl-m3269090631s-w1280.jpg",
"https://ap.rdcpix.com/858f9f3cd7096b71d48e1213e82ad71fl-m2960006435s-w1280.jpg",
"https://ap.rdcpix.com/858f9f3cd7096b71d48e1213e82ad71fl-m2769370391s-w1280.jpg",
"https://ap.rdcpix.com/858f9f3cd7096b71d48e1213e82ad71fl-m1867458390s-w1280.jpg",
"https://ap.rdcpix.com/858f9f3cd7096b71d48e1213e82ad71fl-m2391117115s-w1280.jpg",
"https://ap.rdcpix.com/858f9f3cd7096b71d48e1213e82ad71fl-m937801546s-w1280.jpg",
"https://ap.rdcpix.com/858f9f3cd7096b71d48e1213e82ad71fl-m3571028734s-w1280.jpg",
"https://ap.rdcpix.com/858f9f3cd7096b71d48e1213e82ad71fl-m1503893778s-w1280.jpg",
"https://ap.rdcpix.com/858f9f3cd7096b71d48e1213e82ad71fl-m2726008960s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 20.08,
"monthly_cash_flow": 1983.12,
"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 'natural_gas' for a 3-bedroom unit based on property details specifying 'Heating Features: Gas'.",
"utility": "Heating (Natural Gas)",
"allowance": 82
},
{
"note": "Selected 'natural_gas' for a 3-bedroom unit as the property's inclusions list a 'Gas Stove'.",
"utility": "Cooking (Natural Gas)",
"allowance": 8
},
{
"note": "Selected 'natural_gas' for a 3-bedroom unit. This fuel type is inferred to be consistent with the property's gas heating and cooking systems.",
"utility": "Water Heating (Natural Gas)",
"allowance": 24
},
{
"note": "Selected monthly allowance for a 3-bedroom unit as property details list 'Water Source: Public'.",
"utility": "Water",
"allowance": 101
},
{
"note": "Selected monthly allowance for a 3-bedroom unit as property details list 'Sewer: Public'.",
"utility": "Sewer",
"allowance": 147
},
{
"note": "Allowance for a 3-bedroom unit included for tenant-provided window units, as central AC is not listed as a feature.",
"utility": "Air Conditioning",
"allowance": 17
},
{
"note": "Standard allowance for a 3-bedroom unit, covering general electricity for lights, outlets, and fans.",
"utility": "Other Electric",
"allowance": 75
},
{
"note": "The property listing includes a 'Refrigerator', so this cost is not the tenant's responsibility.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property listing includes a 'Microwave Oven', so this cost is not the tenant's responsibility. The gas range is covered under the 'Cooking' allowance.",
"utility": "Range / Microwave",
"allowance": 0
},
{
"note": "The utility schedule does not provide an allowance value for trash collection; it is likely covered by the landlord or billed separately.",
"utility": "Trash Collection",
"allowance": 0
}
],
"cash_on_cash_return": 0.68,
"down_payment_amount": 35000.0,
"property_tax_annual": 2940.0,
"property_tax_monthly": 245.0,
"property_tax_increase": 0.03,
"utility_allowance_total": 454.0,
"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": null,
"annual_cash_flow_after_debt": 12620.32,
"property_management_monthly": 249.8,
"monthly_cash_flow_after_debt": 1051.69,
"cash_on_cash_return_after_debt": 0.36
},
"section8_assessment": {
"runs": [
{
"summary": "This two-unit single-family investment appears largely turn-key with mostly cosmetic and capital-refresh items visible (carpet, paint, dated finishes). Exterior envelope and roof appear serviceable and there is off‑street parking. Primary inspection risks are unverified life‑safety and mechanical items: smoke/CO detectors, GFCI protection, bedroom egress, and confirmation of working heating and hot water. With targeted, short‑term work (install/verify detectors, confirm HVAC and hot water, minor cosmetic cleanup and any missing appliances) the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. No catastrophic structural failures are evident from the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Property shows generally solid, livable condition with cosmetic/dated finishes. Exterior vinyl siding and concrete stoops show dirt/staining but no collapse. Interior photos show newer hallway flooring, intact drywall, finished trim, and dated carpeting/wood paneling in living areas. Listing notes updated upstairs bathroom and second-floor laundry. No photos of kitchens/appliances; missing or aged appliances would be an easy-to-fix capital item. Overall visible issues are cosmetic and moderate replacement/refresh (carpet, paint, some trim) rather than major structural repair."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No obvious life-safety hazards (no collapsed ceilings, visible major roof failure, or severe foundation movement). However, critical NSPIRE items are unverified in photos: smoke detectors and carbon monoxide alarms are not visible, GFCI protection in kitchen/bath cannot be confirmed, and bedroom egress windows are not clearly verified. Entry doors appear solid but presence of deadbolts is not shown. There is an overhead electrical service drop and exterior wiring appears intact from photos (no exposed conductors visible). Because several required safety items cannot be confirmed and could fail an initial inspection without documentation or minor installations, this category is rated moderate risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "Roof and dormers appear intact with no visible active leaks from exterior photos. No furnace, HVAC equipment, water heater, or electrical panel are shown in the photos, so operational status of heating, hot water, and electrical distribution is unverified. Given the building age (c.1900) but visible recent updates (roof dormers, updated bath), it's reasonable to assume systems exist and may be functional, but lack of photographic evidence forces a conservative score. Plumbing fixtures visible in listing text (updated bath, second-floor laundry) suggest plumbing is present and likely operational, reducing risk vs. a vacancy with stripped systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior photos show solid concrete stoops, railings present, functioning gutters, and multiple off‑street parking lots as listed. Siding is older vinyl with minor discoloration; driveway/parking are gravel and appear serviceable. The house sits directly in front of a steep wooded hillside; while no retaining wall collapse is visible, the slope introduces some drainage and erosion risk that should be reviewed. No signs of infestation, standing water, or significant exterior structural distress were observed."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (required for pass).",
"No visible heating system or water heater shown — mechanical operation unverified (NSPIRE major concern).",
"Unverified bedroom egress (upper-floor windows not clearly shown to meet egress dimensions).",
"Steep wooded hillside immediately behind the property — potential drainage/retaining/erosion risk that should be evaluated."
],
"confidence": 0.65,
"assumptions": [
"Listing text is accurate: upstairs bathroom updated and second-floor laundry room is present and functional.",
"Kitchens and major appliances (stove, refrigerator) are likely present but not shown; their presence/condition could slightly change readiness score.",
"There is a working heating system and water heater in the building but photos did not show them; score reflects conservative uncertainty.",
"Smoke and carbon monoxide detectors were not visible in photos; assume they are not installed or not recently verified for NSPIRE compliance until shown.",
"Electrical service is intact and not showing obvious exterior hazard; internal panel and GFCI presence are unknown.",
"No active interior water intrusion or mold visible in provided photos; hidden issues could exist behind finishes but none are evident."
],
"overall_score": 67.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Overall this two-unit property appears in generally good, rentable condition with mostly cosmetic and moderate items to confirm. Interiors are maintained and listing indicates some updates (bathroom, laundry). Key unknowns are the operational condition of major mechanical systems (furnace/AC, water heater, electrical panel), presence of required alarms (smoke/CO), and potential drainage/slope risk from the steep wooded hill directly behind the house. With basic verification, installation of detectors if missing, and routine mechanical checks it is likely to pass an initial HCV/NSPIRE inspection within 30 days; minor work may be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Interior photos show generally clean, maintained spaces: newer-looking hallway flooring, painted walls, intact trim and stair newel. Carpeting in main rooms is dated but serviceable. Exterior siding has dirt/staining but appears intact; concrete stoops and railings are present and usable. Listing notes updated upstairs bath and second-floor laundry which reduces need for immediate interior capital work. No kitchen images to confirm appliances; missing/unknown appliances reduce score moderately but no visible deferred maintenance or vandalism."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No active life-safety hazards visible (no collapsed ceilings, major cracks or standing water). Entry doors show locks and a deadbolt on at least one door. Stairs and handrails appear present. However, no smoke detectors or CO alarms are visible in photos (quick installation required if absent). GFCI outlets, electrical panel condition, and hot water presence cannot be confirmed from photos. Windows appear adequate for egress in bedrooms but bedroom photos are limited. Overall a moderate risk due to several required items not visible and likely needing verification/installation."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 60.0,
"rationale": "Roof and dormers appear to be in fair/good visual condition in aerial and exterior photos (shingles look intact, no visible sagging). A baseboard heater is visible in an interior photo suggesting a heating source exists. However, no HVAC equipment, furnace, water heater, or electrical panel photos are provided to verify operational condition. Plumbing fixtures and hot water were not shown. Because major systems cannot be confirmed and some could be older (house built 1900), score reflects uncertainty and the need for immediate mechanical verification and possible service."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 70.0,
"rationale": "Exterior siding and foundation appear intact; concrete walk/stoop and handrails are present. Off-street parking and additional lots are a strong positive for rental use. The property backs directly onto a steep, wooded hillside — no active erosion or collapse is visible in photos but the slope represents potential drainage / slope-stability risk that should be investigated (grading, gutters/downspouts, retaining walls). Overall the exterior is serviceable but requires slope/drainage confirmation."
}
],
"red_flags": [
"Steep wooded slope immediately behind the property — potential drainage / slope-stability risk that should be investigated",
"No visible smoke detectors or carbon monoxide alarms in interior photos (required life-safety devices)"
],
"confidence": 0.6,
"assumptions": [
"No kitchen photos provided — assume standard range/refrigerator may or may not be present; missing appliances would be an easy-to-fix capital item.",
"Baseboard visible in hallway indicates a heating source is present (likely hot-water or electric baseboards) but operational status is unknown.",
"No smoke detectors or CO alarms are visible in photos — assume they are either absent or not photographed and will need verification/installation to meet NSPIRE.",
"Roof appears visually intact in photos; assume no active roof leaks visible from exterior images but an interior inspection could reveal hidden issues.",
"Electrical panel, GFCI protection, hot water heater, and HVAC equipment were not photographed and are assumed unknown — these require inspection.",
"Steep wooded hillside directly behind the building is assumed to be close to the property line and could affect drainage or slope stability; no active movement was observed in photos."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This property appears moderately turnkey for Section 8 tenancy but requires verification of a few safety and system items before inspection. Cosmetic condition is generally good and listing notes recent updates. Primary inspection risks are lack of visible smoke/CO detectors, unknown GFCI protection in kitchens/baths, and undocumented status of the heating, water heater and electrical panel. The steep wooded hillside directly behind the building is a site-level concern for drainage that should be evaluated. With installation/verification of required detectors, confirmation of functioning heating/hot water/electrical systems, and minor cosmetic/stoop repairs, the property should be able to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Exterior and interior photos show a generally maintained building with cosmetic wear: older carpeting, dated wall paneling, some staining/discoloration on vinyl siding, and minor spalling on the concrete stoops. Listing states updated upstairs bathroom and newer flooring in a first-floor hallway which reduces concerns. No visible collapsed surfaces or major finish damage. Appliances are not shown — missing or older appliances would moderately reduce turnkey readiness but are not visible. Overall condition indicates mostly cosmetic and low-cost repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 60.0,
"rationale": "Exterior handrails and guard rails are present on front stoops. Windows appear intact and bedrooms likely have adequate openings (dormer windows visible). No visible active roof leaks, collapsed ceilings, or severe mold in photos. However: no smoke detectors or carbon monoxide alarms are visible in interior photos, GFCI protection in kitchen/bath not shown, and the electrical panel and visible wiring are not shown (overhead service lines are present but appear secured). The steep wooded hillside directly behind the house introduces potential drainage/erosion/groundwater risk that may affect safety if not managed. Because key safety items (smoke/CO detectors, GFCI, panel condition) are not documented, there is moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Roof shingles and dormers appear intact in exterior photos with no visible sagging or missing areas, suggesting roof is serviceable. No outdoor HVAC condenser is visible; interior shows baseboard/convectors which indicate some form of heating likely present, but central AC presence is unknown. Water heater and main plumbing stacks are not visible; listing references laundry and updated bath which implies functional plumbing/hot water, but not confirmed. Electrical panel location and condition unknown. Given the lack of visible system failures but also lack of documentation, score reflects moderate uncertainty and a probable need to verify heating, hot water, electrical panel, and appliance operation."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and grounds",
"score": 70.0,
"rationale": "Vinyl siding and foundation look generally intact; driveway/parking areas (gravel) exist on both sides providing off-street parking as advertised. Front concrete stoops show minor spalling but have railings. Property backs onto a steep, heavily vegetated hillside — provides privacy but creates potential drainage/runoff risk and could complicate egress from rear or create water intrusion if not properly drained. No visible major foundation cracks, standing water, or evidence of infestation in photos. Overall exterior/site is functional with a notable hillside drainage consideration."
}
],
"red_flags": [],
"confidence": 0.72,
"assumptions": [
"Property is being sold/represented as two address units (2617 and 2619) though snapshot lists single_family; evaluation assumes both units must meet basic HCV/NSPIRE requirements.",
"Interior photos represent typical condition across units; areas not photographed (kitchen, electrical panel, water heater, bathrooms) are assumed serviceable based on listing claims of updated bathrooms and laundry, but require verification.",
"Heating is present and functional (evidence of baseboard/convectors in photos); central AC condenser absence in photos does not mean heating is absent.",
"No visible active roof leaks or structural sagging from exterior/interior photos — roof is assumed in fair condition based on shingle appearance.",
"No visible evidence of severe mold, standing water, or major pest infestation in the provided photos.",
"Appliances (stove, refrigerator, washer/dryer) are not pictured; missing appliances would lower readiness but are not treated as automatic fail conditions here."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2617-2619 Spring Garden Ave, Pittsburgh, PA, 15212",
"aggregate": {
"summary": "This two-unit single-family investment appears largely turn-key with mostly cosmetic and capital-refresh items visible (carpet, paint, dated finishes). Exterior envelope and roof appear serviceable and there is off‑street parking. Primary inspection risks are unverified life‑safety and mechanical items: smoke/CO detectors, GFCI protection, bedroom egress, and confirmation of working heating and hot water. With targeted, short‑term work (install/verify detectors, confirm HVAC and hot water, minor cosmetic cleanup and any missing appliances) the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. No catastrophic structural failures are evident from the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Property shows generally solid, livable condition with cosmetic/dated finishes. Exterior vinyl siding and concrete stoops show dirt/staining but no collapse. Interior photos show newer hallway flooring, intact drywall, finished trim, and dated carpeting/wood paneling in living areas. Listing notes updated upstairs bathroom and second-floor laundry. No photos of kitchens/appliances; missing or aged appliances would be an easy-to-fix capital item. Overall visible issues are cosmetic and moderate replacement/refresh (carpet, paint, some trim) rather than major structural repair."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior photos show solid concrete stoops, railings present, functioning gutters, and multiple off‑street parking lots as listed. Siding is older vinyl with minor discoloration; driveway/parking are gravel and appear serviceable. The house sits directly in front of a steep wooded hillside; while no retaining wall collapse is visible, the slope introduces some drainage and erosion risk that should be reviewed. No signs of infestation, standing water, or significant exterior structural distress were observed."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 63.3,
"rationale": "No obvious life-safety hazards (no collapsed ceilings, visible major roof failure, or severe foundation movement). However, critical NSPIRE items are unverified in photos: smoke detectors and carbon monoxide alarms are not visible, GFCI protection in kitchen/bath cannot be confirmed, and bedroom egress windows are not clearly verified. Entry doors appear solid but presence of deadbolts is not shown. There is an overhead electrical service drop and exterior wiring appears intact from photos (no exposed conductors visible). Because several required safety items cannot be confirmed and could fail an initial inspection without documentation or minor installations, this category is rated moderate risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "Roof and dormers appear intact with no visible active leaks from exterior photos. No furnace, HVAC equipment, water heater, or electrical panel are shown in the photos, so operational status of heating, hot water, and electrical distribution is unverified. Given the building age (c.1900) but visible recent updates (roof dormers, updated bath), it's reasonable to assume systems exist and may be functional, but lack of photographic evidence forces a conservative score. Plumbing fixtures visible in listing text (updated bath, second-floor laundry) suggest plumbing is present and likely operational, reducing risk vs. a vacancy with stripped systems."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (required for pass).",
"No visible heating system or water heater shown — mechanical operation unverified (NSPIRE major concern).",
"Unverified bedroom egress (upper-floor windows not clearly shown to meet egress dimensions).",
"Steep wooded hillside immediately behind the property — potential drainage/retaining/erosion risk that should be evaluated."
],
"confidence": 0.93,
"assumptions": [
"Listing text is accurate: upstairs bathroom updated and second-floor laundry room is present and functional.",
"Kitchens and major appliances (stove, refrigerator) are likely present but not shown; their presence/condition could slightly change readiness score.",
"There is a working heating system and water heater in the building but photos did not show them; score reflects conservative uncertainty.",
"Smoke and carbon monoxide detectors were not visible in photos; assume they are not installed or not recently verified for NSPIRE compliance until shown.",
"Electrical service is intact and not showing obvious exterior hazard; internal panel and GFCI presence are unknown.",
"No active interior water intrusion or mold visible in provided photos; hidden issues could exist behind finishes but none are evident."
],
"score_method": "mean_of_criteria",
"overall_score": 67.8,
"rubric_version": "nsPIRE-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9892688551"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.