Property ID: 7008736347
3726 Westchester Dr, Jackson, MS, 39213
Jackson, MS
Money Down: $13,200
CoC Return: 26.10%
Monthly Cash Flow: $287
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$11,000
Closing Costs
$2,200
Total Down
$13,200
Investment Snapshot
Purchase Price
$55,000
Money Down
$13,200
Cash-on-Cash Return
26.10%
Rent
$811
Monthly Cash Flow
$287
Annual Cash Flow
$3,446
Debt Service / Mo
$293
Property Tax / Mo
$107
Insurance / Mo
$43
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$811
Payment Standard
$1,190
Rent
$811
Insurance
$43
Property Tax
$107
Management
$81
Utilities Allowance
$379
NOI (Monthly)
$580
Debt Service
$293
Cash Flow After Debt
$287
Quality Score: 61.00%
Confidence: 72.00%
Based on exterior photos and listing text, the property appears habitable with mostly cosmetic and moderate deferred maintenance issues. Major structural failures or life‑threatening hazards are not visible, but many NSPIRE critical items (smoke/CO detectors, egress, GFCI, interior electrical/plumbing, hot water) cannot be confirmed from the provided photos. Expect a moderate risk of inspection deficiencies that are generally fixable within 30–60 days (clean up vegetation, verify/replace detectors, address GFCI, minor repairs).
Section 8 Payment Standard
$1,190
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$811
Property Management
$81
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$55,000
Beds
3
Baths
2
Living Area
1,450 sqft
Lot Size
7,841 sqft
Year Built
1958
Days on Market
14
Capital Outlay
$13,200
Debt Service
$293
Property Tax / Mo
$107
Insurance / Mo
$43
Property Description
3br/2ba, formal living room & dining room. Plus a separate family room with built ins. This home has lots of space. Screened in porch on back and a two car garage. Corner lot. Currently leased for $850 per month. No interior photos. No showings until we have an accepted contract. Call your agent today!
Utility Allowances
Air Conditioning
$12
Selected based on the property having 'Central Air' cooling.
Cooking
$11
Selected 'electric' as the property listing specifies an 'Electric Cooktop'.
Heating
$50
Selected 'electric' as the most likely fuel source, given the other major appliances (cooktop, water heater) are electric.
Other Electric
$69
This is a standard allowance for general electric use.
Range/Microwave
$3
The property listing does not mention a microwave, so it is assumed to be tenant-supplied.
Refrigerator
$4
The property listing does not mention a refrigerator, so it is assumed to be tenant-supplied.
Sewer
$60
Selected based on the property listing specifying 'Public Sewer'.
Trash Collection
$37
Assumed to be a standard tenant-paid utility for a single-family home.
Water
$104
Selected based on the property listing specifying a 'Public' water source.
Water Heating
$29
Selected 'electric' as the property listing specifies an 'Electric Water Heater'.
Source References
Payment Standard Source
Effective Date:
Oct 01, 2025
Utility Allowance Source
Effective Date:
Dec 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$503
DP3 Annual Estimate$525
DP1 Monthly Equivalent$42
DP3 Monthly Equivalent$44
Replacement Value$36,600
Basis1,450 sqft / 1958
Nearby Houses
Photo unavailable
3658 Westchester Dr
sold · 0.06 mi
Price: $17,500
4 bd / 2 ba · 1,144 sqft
Latest sale: — on Apr 20, 2023
Latest rent: —
Photo unavailable
3714 Abermarle Rd
sold · 0.06 mi
Price: $95,900
4 bd / 2 ba · 1,665 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3652 Westchester Dr
sold · 0.07 mi
Price: $38,500
3 bd / 3 ba · 1,980 sqft
Latest sale: — on Aug 22, 2025
Latest rent: —
Photo unavailable
3654 Main St
for_sale · 0.09 mi
Price: $27,500
3 bd / — ba · 864 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1824 Avenue H
sold · 0.14 mi
Price: $29,000
3 bd / 1 ba · 792 sqft
Latest sale: — on Jul 27, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior condition (flooring, walls, smoke/CO detectors, GFCI outlets, plumbing fixtures, hot water) is unknown because no interior photos were provided.
- Listing states the property is currently leased; therefore basic appliances and utilities are assumed present but their condition is unverified.
- An outdoor HVAC condenser unit is partially visible at the side; assumed there is a central HVAC system though operational status is unknown.
- Roof shows no visible sagging or major failure in photos; assume no active major roof leak visible from exterior images, but age suggests likely near‑term maintenance.
- Property built in 1958 — assume potential lead‑based paint risk unless documentation of remediation is provided.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,249 | $43,100 | $6,465 |
| 2023 | $1,243 | $43,100 | $6,465 |
| 2021 | $1,243 | $43,100 | $6,465 |
| 2020 | $1,295 | $45,130 | $6,770 |
| 2019 | $1,296 | $45,130 | $6,770 |
| 2018 | $1,281 | $45,130 | $6,770 |
| 2017 | $668 | $45,130 | $4,513 |
| 2016 | $646 | $45,130 | $4,513 |
| 2015 | $610 | $44,160 | $4,416 |
| 2014 | $609 | $44,160 | $4,416 |
| 2013 | $587 | $44,160 | $4,416 |
| 2012 | $587 | $44,160 | $4,416 |
| 2011 | $576 | $44,150 | $4,415 |
| 2010 | $572 | $44,150 | $4,415 |
| 2009 | $572 | $44,150 | $4,415 |
| 2008 | $572 | $39,310 | $3,931 |
| 2007 | $514 | $39,310 | $3,931 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2017-10-02 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2018-10-08 | Listed for rent | $900 | — |
| 2017-10-01 | Listed for rent | $1,000 | — |
Photo Gallery
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"listing_id": "639949511",
"last_update_date": "2018-12-11T15:32:31Z",
"last_status_change_date": "2018-12-11T15:32:31Z"
},
"event_name": "Listing removed",
"price_sqft": 0.5378890392422192,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4555375",
"price_change_percentage": null
},
{
"date": "2018-12-04",
"price": 795,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 795,
"listing_id": "639949511",
"last_update_date": "2018-12-11T15:32:31Z",
"last_status_change_date": "2018-12-11T15:32:31Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.5378890392422192,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4555375",
"price_change_percentage": null
},
{
"date": "2017-10-04",
"price": 32500,
"listing": {
"status": "off_market",
"list_date": "2017-06-12T07:00:00Z",
"list_price": 32500,
"listing_id": "622149231",
"last_update_date": "2017-10-03T08:48:00Z",
"last_status_change_date": "2017-10-02T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 22.413793103448278,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "61 days",
"source_listing_id": "298207",
"price_change_percentage": null
},
{
"date": "2017-09-09",
"price": 32500,
"listing": {
"status": "off_market",
"list_date": "2017-06-12T07:00:00Z",
"list_price": 32500,
"listing_id": "622149231",
"last_update_date": "2017-10-03T08:48:00Z",
"last_status_change_date": "2017-10-02T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": 22.413793103448278,
"source_name": "CentralMSMLS",
"price_change": 500,
"days_after_listed": null,
"source_listing_id": "298207",
"price_change_percentage": null
},
{
"date": "2017-08-09",
"price": 32000,
"listing": {
"status": "off_market",
"list_date": "2017-06-12T07:00:00Z",
"list_price": 32500,
"listing_id": "622149231",
"last_update_date": "2017-10-03T08:48:00Z",
"last_status_change_date": "2017-10-02T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": 22.06896551724138,
"source_name": "CentralMSMLS",
"price_change": -2650,
"days_after_listed": null,
"source_listing_id": "298207",
"price_change_percentage": null
},
{
"date": "2017-08-04",
"price": 34650,
"listing": {
"status": "off_market",
"list_date": "2017-06-12T07:00:00Z",
"list_price": 32500,
"listing_id": "622149231",
"last_update_date": "2017-10-03T08:48:00Z",
"last_status_change_date": "2017-10-02T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 23.896551724137932,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "298207",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7008736347",
"generated_at": "2026-02-16T23:26:12.703079Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 61.0
},
"utility_allowance": {
"zip_code": "39213",
"home_photo": "https://ap.rdcpix.com/a085de7e9e1a0d9175f2203dbc8959cfl-m432664089s-w1280.jpg",
"rent_price": 811.0,
"loan_amount": 44000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3726-Westchester-Dr_Jackson_MS_39213_M70087-36347",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 55000.0,
"loan_term_years": 30,
"annual_cash_flow": 6958.33,
"mortgage_monthly": 292.73,
"payment_standard": 1190.0,
"total_amount_out": 11000.0,
"additional_photos": [
"https://ap.rdcpix.com/a085de7e9e1a0d9175f2203dbc8959cfl-m3060925048s-w1280.jpg",
"https://ap.rdcpix.com/a085de7e9e1a0d9175f2203dbc8959cfl-m2028442409s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 42.83,
"monthly_cash_flow": 579.86,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Selected based on the property having 'Central Air' cooling.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected 'electric' as the property listing specifies an 'Electric Cooktop'.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'electric' as the most likely fuel source, given the other major appliances (cooktop, water heater) are electric.",
"utility": "Heating",
"allowance": 50
},
{
"note": "This is a standard allowance for general electric use.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "The property listing does not mention a microwave, so it is assumed to be tenant-supplied.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property listing does not mention a refrigerator, so it is assumed to be tenant-supplied.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Selected based on the property listing specifying 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Assumed to be a standard tenant-paid utility for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Selected based on the property listing specifying a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Selected 'electric' as the property listing specifies an 'Electric Water Heater'.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.63,
"down_payment_amount": 11000.0,
"property_tax_annual": 1286.47,
"property_tax_monthly": 107.21,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3445.53,
"property_management_monthly": 81.1,
"monthly_cash_flow_after_debt": 287.13,
"cash_on_cash_return_after_debt": 0.31
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and listing text, the property appears habitable with mostly cosmetic and moderate deferred maintenance issues. Major structural failures or life‑threatening hazards are not visible, but many NSPIRE critical items (smoke/CO detectors, egress, GFCI, interior electrical/plumbing, hot water) cannot be confirmed from the provided photos. Expect a moderate risk of inspection deficiencies that are generally fixable within 30–60 days (clean up vegetation, verify/replace detectors, address GFCI, minor repairs).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 65.0,
"rationale": "Exterior photos show a structurally intact single‑story house but visible deferred maintenance: overgrown shrubs obscuring windows, unkempt yard, cracked/aged driveway, and older exterior siding/paint. Screened porch appears intact but likely needs cleaning/repair. No interior photos to confirm flooring, cabinets, or appliance condition; listing states property is currently leased (suggesting basic systems/appliances likely present). Missing interior details reduces certainty but visible issues are mostly cosmetic and moderate. Score reduced moderately for deferred maintenance and likely cosmetic fixes."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No obvious life‑threatening hazards visible from exterior photos (no collapsed ceilings, no standing water, no visible electrical hazards). However critical NSPIRE items cannot be confirmed: smoke/CO detectors, egress window sizes, GFCI presence, hot water, and interior handrails. Large tree close to roof and heavy vegetation touching siding are safety/maintenance concerns (risk of roof damage, pests). Property built in 1958 — potential lead‑based paint risk unless remediated. Because many code items are unverifiable from photos, assign a moderate risk score with assumption that routine safety items may require minor corrections."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, electrical, plumbing systems",
"score": 60.0,
"rationale": "Roof appears aged but with no visible sagging or major failure in photos; shingles look weathered. A condenser/AC unit appears present at side (partially visible behind shrubs), indicating heating/cooling likely exists but operational status unknown. No electrical panel, water heater, or plumbing fixtures visible to verify condition. Given age (1958) there is moderate risk of older plumbing/electrical components needing updates, but no visible evidence of catastrophic system failure. Score reflects likely operable but aging systems with moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 60.0,
"rationale": "Corner lot with two‑car garage and screened porch. Foundation appears intact from photos though there is light staining at foundation in places. Chain‑link fence, driveway and walkways are serviceable but show cracking and vegetation intrusion. Overgrown shrubs/trees are in contact with house and may hide rot or pest issues; tree overhang over roof is notable. No visible standing water or major foundation displacement from exterior images. Overall exterior is functional but needs yard cleanup, pruning, and minor repairs."
},
{
"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": [],
"confidence": 0.55,
"assumptions": [
"Interior condition (flooring, walls, smoke/CO detectors, GFCI outlets, plumbing fixtures, hot water) is unknown because no interior photos were provided.",
"Listing states the property is currently leased; therefore basic appliances and utilities are assumed present but their condition is unverified.",
"An outdoor HVAC condenser unit is partially visible at the side; assumed there is a central HVAC system though operational status is unknown.",
"Roof shows no visible sagging or major failure in photos; assume no active major roof leak visible from exterior images, but age suggests likely near‑term maintenance.",
"Property built in 1958 — assume potential lead‑based paint risk unless documentation of remediation is provided."
],
"overall_score": 60.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate inspection risk. Exterior photos show a tenant-occupied mid‑century single-family with deferred exterior maintenance (overgrown landscaping, aged roof/shingles, cracked driveway) but no visible catastrophic structural failure. Lack of interior photos leaves critical NSPIRE items (smoke/CO detectors, GFCI, electrical panel, HVAC operation, hot water, bedroom egress) unverified — this produces moderate likelihood of initial HCV inspection issues. With routine fixes (trim/remove vegetation, roof maintenance as needed, minor exterior repairs, and verification/installation of required detectors/GFCI) property is likely to pass after 30 days of targeted work. If interior systems are in poor condition, additional repairs could be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 60.0,
"rationale": "Exterior photos show moderate deferred maintenance: overgrown shrubs, large tree close to house, cracked/aged driveway, peeling/aged siding and weathered roof shingles. Screened porch appears present but age is uncertain. No interior photos; tenant-occupied per listing which suggests basic systems/appliances may be present but cannot be confirmed. Missing interior visibility reduces confidence and keeps this in the 'moderate repairs' range rather than turnkey."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No visible life‑threatening hazards (no collapsed roof/ceilings, no standing water) on exterior images. However critical NSPIRE items cannot be confirmed from photos: presence and placement of smoke/CO detectors, GFCI protection, bedroom egress window condition, electrical panel condition, and hot water. Overgrown shrubs block some windows and could obstruct egress and provide pest/entry vectors. Front step has a handrail on one side but full handrail/guardrail condition cannot be confirmed. Given tenant occupancy, many items are likely present, but the unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 50.0,
"rationale": "Roof appears aged but intact—no obvious sagging or large failures visible from exterior photos; however shingle wear is evident and the large tree close to the roof raises future failure risk. No clear view of exterior HVAC condenser or water heater; one exterior unit/object is visible but unconfirmed as HVAC. Age of home (1958) increases probability of older plumbing/electrical components. Because operational condition of HVAC, water heater, plumbing and electrical cannot be verified from photos, rate as moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site safety",
"score": 65.0,
"rationale": "Corner lot with fenced yard, screened porch and two-car garage — positive rental features. Chain-link fence and driveway show age; vegetation is overgrown and bushes obscure windows and parts of the house. No visible standing water, major foundation cracks, or collapse. Overgrown vegetation contacting siding/roof increases maintenance/safety concerns but site is otherwise serviceable."
},
{
"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": [
"Large tree and climbing vegetation contacting/overhanging roof — increases risk of roof damage, debris accumulation, and potential leaks.",
"Overgrown shrubs obstructing windows and portions of the house — potential egress blockage, pest habitat and moisture retention against siding.",
"No interior photos / limited access — critical NSPIRE compliance items (smoke/CO detectors, GFCI, electrical panel, bedroom egress) cannot be verified and may cause inspection failures if absent."
],
"confidence": 0.45,
"assumptions": [
"Interior is tenant‑occupied and in at least functional condition (appliances and basic plumbing/electrical present) since listing states the property is currently leased.",
"Utilities are active (power/water) because the home is leased; however functionality of HVAC, water heater, and electrical system is not confirmed.",
"No visible structural sagging or collapsed areas indicates foundation and main framing are intact; hidden issues (e.g., termite damage, concealed rot) are possible but not evident from photos.",
"Roof is aged but not currently leaking (no visible stains or sagging from exterior photos).",
"No inspection of interior finishes, smoke/CO detectors, GFCI outlets, or bedroom egress was possible; these will need verification during inspection or showing."
],
"overall_score": 57.0,
"rubric_version": "2026-02-NSPIRE-1.0"
},
{
"summary": "Likely rentable with minor-to-moderate work. Exterior shows typical deferred maintenance (overgrown shrubs, driveway cracks, weathered siding, aged roof) but no visible structural collapse or life-safety hazards in the photos. Major NSPIRE unknowns (smoke/CO detectors, GFCI, egress windows, interior plumbing/electrical conditions) cannot be confirmed without interior inspection. Because the listing states the property is currently leased, it is probably in habitable condition but will require an interior check and some exterior maintenance to confidently pass an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Repairs",
"score": 70.0,
"rationale": "Exterior photos show a mostly intact single-family home with a screened porch and two-car garage. Visible deferred-maintenance items: overgrown shrubs/vegetation, cracked driveway, weathered siding/paint, and an aged roof with discoloration. No obvious structural collapse or major exterior damage. Interior not shown; listing states property is currently leased, suggesting habitable condition inside. Missing interior photos prevent confirmation of cosmetic/fixture condition, but exterior condition indicates mostly minor-to-moderate repairs (landscaping, paint, driveway, porch cleaning) rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No visible electrical hazards, exposed wiring, collapsed ceilings, or standing water in exterior photos. Front steps appear to have a handrail. Vegetation is touching the building envelope and a large tree overhangs the roof — both elevate risks for moisture intrusion, pests, and falling limbs. Smoke/CO detectors, GFCI outlets, egress windows, deadbolt locks and interior handrails cannot be confirmed from photos. Given the property's age (1958) and lack of interior imagery, there is moderate NSPIRE compliance risk that requires interior verification (detectors, GFCI, clear egress, visible panel)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "No interior/system photos; an exterior HVAC condenser may be partially visible behind shrubs but is not clearly documented. Roof appears aged (shingle discoloration) and may be approaching end-of-life, though no active leaks are visible from exterior. Original construction year (1958) suggests plumbing, electrical, and water heater may be older and should be inspected. Because the home is listed as leased and the exterior shows no active system failures (no sagging roof, no collapsed features), systems likely function but are of unknown condition and may need servicing or updates."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 65.0,
"rationale": "Corner lot with chain-link fence and screened porch. Siding appears weathered but intact; foundation visible with typical discoloration but no obvious large cracks in provided images. Overgrown landscaping, vegetation abutting siding, and a large mature tree very near the roof are site concerns (roots, debris, falling limb risk). Driveway has visible cracking and there is general exterior wear; however, no collapsed porches or major envelope breaches are visible."
},
{
"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": [
"Large tree overhanging roof — risk of falling limbs and accelerated roof wear.",
"Vegetation growing against siding/screen porch — elevated moisture and pest risk that can lead to code issues if interior damage exists."
],
"confidence": 0.6,
"assumptions": [
"Listing statement 'Currently leased' is accurate and indicates the interior is habitable; rental_history_last_5y dataset did not show events but listing text serves as evidence of a current lease.",
"Interior systems (smoke detectors, CO detectors, GFCI outlets, functional plumbing/hot water, operational HVAC) are present and working unless otherwise noted, but this is unverified due to no interior photos.",
"No active roof leaks or interior water damage are present; exterior roof shows aged shingles/discoloration but no visible sagging or missing large sections.",
"HVAC condenser likely exists behind the shrubs (partially obscured), but full functionality is unconfirmed.",
"Vegetation touching siding and large tree overhanging roof increases probability of moisture/pest issues if not remediated.",
"Missing or old appliances inside (fridge/stove) would be treated as moderate repairs and would not by themselves represent an automatic inspection failure unless unsafe connections are present."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3726 Westchester Dr, Jackson, MS, 39213",
"aggregate": {
"summary": "Based on exterior photos and listing text, the property appears habitable with mostly cosmetic and moderate deferred maintenance issues. Major structural failures or life‑threatening hazards are not visible, but many NSPIRE critical items (smoke/CO detectors, egress, GFCI, interior electrical/plumbing, hot water) cannot be confirmed from the provided photos. Expect a moderate risk of inspection deficiencies that are generally fixable within 30–60 days (clean up vegetation, verify/replace detectors, address GFCI, minor repairs).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 65.0,
"rationale": "Exterior photos show a structurally intact single‑story house but visible deferred maintenance: overgrown shrubs obscuring windows, unkempt yard, cracked/aged driveway, and older exterior siding/paint. Screened porch appears intact but likely needs cleaning/repair. No interior photos to confirm flooring, cabinets, or appliance condition; listing states property is currently leased (suggesting basic systems/appliances likely present). Missing interior details reduces certainty but visible issues are mostly cosmetic and moderate. Score reduced moderately for deferred maintenance and likely cosmetic fixes."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 63.3,
"rationale": "Corner lot with two‑car garage and screened porch. Foundation appears intact from photos though there is light staining at foundation in places. Chain‑link fence, driveway and walkways are serviceable but show cracking and vegetation intrusion. Overgrown shrubs/trees are in contact with house and may hide rot or pest issues; tree overhang over roof is notable. No visible standing water or major foundation displacement from exterior images. Overall exterior is functional but needs yard cleanup, pruning, and minor repairs."
},
{
"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."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 58.3,
"rationale": "No obvious life‑threatening hazards visible from exterior photos (no collapsed ceilings, no standing water, no visible electrical hazards). However critical NSPIRE items cannot be confirmed: smoke/CO detectors, egress window sizes, GFCI presence, hot water, and interior handrails. Large tree close to roof and heavy vegetation touching siding are safety/maintenance concerns (risk of roof damage, pests). Property built in 1958 — potential lead‑based paint risk unless remediated. Because many code items are unverifiable from photos, assign a moderate risk score with assumption that routine safety items may require minor corrections."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, electrical, plumbing systems",
"score": 56.7,
"rationale": "Roof appears aged but with no visible sagging or major failure in photos; shingles look weathered. A condenser/AC unit appears present at side (partially visible behind shrubs), indicating heating/cooling likely exists but operational status unknown. No electrical panel, water heater, or plumbing fixtures visible to verify condition. Given age (1958) there is moderate risk of older plumbing/electrical components needing updates, but no visible evidence of catastrophic system failure. Score reflects likely operable but aging systems with moderate uncertainty."
}
],
"red_flags": [],
"confidence": 0.72,
"assumptions": [
"Interior condition (flooring, walls, smoke/CO detectors, GFCI outlets, plumbing fixtures, hot water) is unknown because no interior photos were provided.",
"Listing states the property is currently leased; therefore basic appliances and utilities are assumed present but their condition is unverified.",
"An outdoor HVAC condenser unit is partially visible at the side; assumed there is a central HVAC system though operational status is unknown.",
"Roof shows no visible sagging or major failure in photos; assume no active major roof leak visible from exterior images, but age suggests likely near‑term maintenance.",
"Property built in 1958 — assume potential lead‑based paint risk unless documentation of remediation is provided."
],
"score_method": "mean_of_criteria",
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7008736347"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.