Property ID: 7088939472

617 N Park Dr, Jackson, MS, 39206

Jackson, MS

For Sale Feb 16, 2026 10:59 PM UTC Realtor Zillow Street View
Money Down: $23,280 CoC Return: 27.28% Monthly Cash Flow: $529
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,400
Closing Costs
$3,880
Total Down
$23,280
Primary property image

Investment Snapshot

Purchase Price
$97,000
Money Down
$23,280
Cash-on-Cash Return
27.28%
Rent
$1,300
Monthly Cash Flow
$529
Annual Cash Flow
$6,351
Debt Service / Mo
$516
Property Tax / Mo
$78
Insurance / Mo
$46

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,300
Payment Standard
$1,690
Rent
$1,300
Insurance
$46
Property Tax
$78
Management
$130
Utilities Allowance
$390
NOI (Monthly)
$1,046
Debt Service
$516
Cash Flow After Debt
$529

Quality Score: 61.80%

Confidence: 86.00%

Overall this property appears moderately rent-ready for a Section 8/HCV initial inspection but not fully turnkey. The tenant in place and recent rental history are positives. Visible roof staining and the age of the house (1956) are the main concerns — roof inspection and verification of interior safety devices (smoke/CO detectors), GFCI, electrical panel, HVAC and hot water are required. Expect minor-to-moderate repairs and documentation tasks; likely rent-ready within ~30 days if no active roof leaks or major system failures are found.

Section 8 Payment Standard
$1,690
Utility Allowance Total
$390
Guaranteed Section 8 Rent (PS - Utilities)
$1,300
Property Management
$130

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$97,000
Beds
4
Baths
2
Living Area
1,710 sqft
Lot Size
9,148 sqft
Year Built
1956
Days on Market
22
Capital Outlay
$23,280
Debt Service
$516
Property Tax / Mo
$78
Insurance / Mo
$46

Property Description

INVESTOR ALERT CASH BONANZA EXCELLENT CASH FLOW WITH A TENANT IN PLACE *NO DELAYS *NO REHAB *BUY AND HOLD /PORTFOLIO ANCHOR

Utility Allowances

Heating
$26
Property information explicitly lists 'Natural Gas' for heating.
Air Conditioning
$16
Property information explicitly lists 'Central Air'.
Water Heating
$23
Inferred as Natural Gas because the property has a natural gas connection and gas heating.
Cooking
$14
Property information lists 'Free-Standing Electric Oven' and 'Free-Standing Electric Range', indicating an electric fuel source for cooking.
Other Electric
$88
Standard allowance for miscellaneous tenant-paid electric usage in a single-family home.
Water
$116
Property information states the water source is 'Public'.
Sewer
$70
Property information states the property uses 'Public Sewer'.
Trash Collection
$37
Standard utility for a single-family residence, assumed to be the tenant's responsibility.
Refrigerator
$0
The property provides a 'Free-Standing Refrigerator', so no allowance is given to the tenant.
Range/Microwave
$0
The property provides a 'Free-Standing Electric Range', so no allowance is given to the tenant for this appliance.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$534
DP3 Annual Estimate$581
DP1 Monthly Equivalent$44
DP3 Monthly Equivalent$48
Replacement Value$39,440
Basis1,710 sqft / 1956

Nearby Houses

Nearby house 1
Photo unavailable

4214 Meadowlane Dr

sold · 0.02 mi
Price: $109,900
3 bd / 2 ba · 1,320 sqft
Latest sale: — on Feb 25, 2022
Latest rent: —
Nearby house 2
Photo unavailable

622 N Park Dr

sold · 0.04 mi
Price: $133,000
3 bd / 2 ba · 1,260 sqft
Latest sale: — on May 16, 2022
Latest rent: $1,350 on Jun 27, 2024
Nearby house 3
Photo unavailable

4211 Meadowlane Dr

for_sale · 0.05 mi
Price: $115,000
3 bd / 2 ba · 1,836 sqft
Latest sale: — on Nov 13, 2023
Latest rent: $1,400 on Aug 12, 2024
Nearby house 4
Photo unavailable

563 N Park Dr

sold · 0.06 mi
Price: $145,000
4 bd / 2 ba · 1,403 sqft
Latest sale: — on Jul 05, 2022
Latest rent: $1,475 on Aug 06, 2025
Nearby house 5
Photo unavailable

647 Piermont St

sold · 0.07 mi
Price: $79,900
3 bd / 2 ba · 1,406 sqft
Latest sale: — on Feb 18, 2022
Latest rent: $1,395 on Aug 13, 2024
Nearby house 6
Photo unavailable

4316 Azalea Dr

sold · 0.08 mi
Price: $65,000
3 bd / 4 ba · 1,719 sqft
Latest sale: — on Mar 04, 2022
Latest rent: —
Photo unavailable

4243 Meadowlane Dr

sold · 0.08 mi
Price: $89,500
3 bd / 2 ba · 1,400 sqft
Latest sale: — on Jun 30, 2020
Latest rent: —
Nearby house 8
Photo unavailable

670 Piermont St

for_sale · 0.09 mi
Price: $79,900
4 bd / 2 ba · 1,467 sqft
Latest sale: —
Latest rent: $995 on Nov 01, 2021

Risk and Criteria Detail

Red Flags

  • success
  • Possible roof failure/active leak (visible staining/discoloration on roof surface)
  • Potential lead-based paint hazard (property built in 1956; requires lead disclosure/assessment)

Assumptions

  • Interior photos and system access were not provided; interior conditions (smoke/CO detectors, GFCI, plumbing fixtures, cosmetic condition) are assumed serviceable unless otherwise noted by tenant/agent.
  • Tenant in place suggests heating, hot water, and basic electrical/plumbing are currently functioning.
  • Roof staining/discoloration in photo is assumed to indicate accelerated aging and possible active or prior leak; exact condition requires inspection.
  • No visible exterior electrical hazards (e.g., exposed wiring) in provided photo; interior panel and wiring condition unknown.
  • Windows are assumed original or older; egress windows in bedrooms assumed present but need verification.
  • No visible structural sagging, foundation movement, or collapsed elements in exterior photo; interior structural issues assumed absent unless inspection indicates otherwise.
  • Lead-based paint risk is assumed due to year built (1956) and must be handled per HUD/lead regulations.
  • Listing statement 'NO REHAB' and tenant occupancy reduce likelihood of major deferred maintenance but do not replace a full systems inspection.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $909 $59,440 $5,944
2023 $903 $59,440 $5,944
2021 $903 $59,440 $5,944
2020 $890 $59,080 $5,908
2019 $891 $59,080 $5,908
2018 $878 $59,080 $5,908
2017 $879 $59,080 $5,908
2016 $849 $59,080 $5,908
2015 $1,560 $58,120 $8,718
2014 $1,558 $58,120 $8,718
2013 $1,010 $58,120 $5,812
2012 $776 $58,120 $5,812
2011 $749 $57,390 $5,739
2010 $743 $57,390 $5,739
2009 $743 $57,390 $5,739
2008 $743 $39,590 $3,959
2007 $519 $39,590 $3,959

Sale History

DateEventPrice
2024-02-23 Sold
2015-09-30 Sold

Rental History

DateEventPriceSource
2025-04-02 Listed for rent $1,500
2024-06-21 Listed for rent $1,500
2024-05-25 Listed for rent $1,500

Photo Gallery

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                "state_code": "MS",
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    "primary_photo": {
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            "tax": 909,
            "year": 2024,
            "market": {
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              "total": 59440,
              "building": 39440
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            "assessment": {
              "land": 2000,
              "total": 5944,
              "building": 3944
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          {
            "tax": 903,
            "year": 2023,
            "market": {
              "land": 20000,
              "total": 59440,
              "building": 39440
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            "assessment": {
              "land": 2000,
              "total": 5944,
              "building": 3944
            }
          },
          {
            "tax": 903,
            "year": 2021,
            "market": {
              "land": 20000,
              "total": 59440,
              "building": 39440
            },
            "assessment": {
              "land": 2000,
              "total": 5944,
              "building": 3944
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          },
          {
            "tax": 890,
            "year": 2020,
            "market": {
              "land": 20000,
              "total": 59080,
              "building": 39080
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            "assessment": {
              "land": 2000,
              "total": 5908,
              "building": 3908
            }
          },
          {
            "tax": 891,
            "year": 2019,
            "market": {
              "land": 20000,
              "total": 59080,
              "building": 39080
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            "assessment": {
              "land": 2000,
              "total": 5908,
              "building": 3908
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          },
          {
            "tax": 878,
            "year": 2018,
            "market": {
              "land": 20000,
              "total": 59080,
              "building": 39080
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            "assessment": {
              "land": 2000,
              "total": 5908,
              "building": 3908
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          },
          {
            "tax": 879,
            "year": 2017,
            "market": {
              "land": 20000,
              "total": 59080,
              "building": 39080
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            "assessment": {
              "land": 2000,
              "total": 5908,
              "building": 3908
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          },
          {
            "tax": 849,
            "year": 2016,
            "market": {
              "land": 20000,
              "total": 59080,
              "building": 39080
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            "assessment": {
              "land": 2000,
              "total": 5908,
              "building": 3908
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          },
          {
            "tax": 1560,
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            "market": {
              "land": 20000,
              "total": 58120,
              "building": 38120
            },
            "assessment": {
              "land": 3000,
              "total": 8718,
              "building": 5718
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          },
          {
            "tax": 1558,
            "year": 2014,
            "market": {
              "land": 20000,
              "total": 58120,
              "building": 38120
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            "assessment": {
              "land": 3000,
              "total": 8718,
              "building": 5718
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          },
          {
            "tax": 1010,
            "year": 2013,
            "market": {
              "land": 20000,
              "total": 58120,
              "building": 38120
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            "assessment": {
              "land": 2000,
              "total": 5812,
              "building": 3812
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          },
          {
            "tax": 776,
            "year": 2012,
            "market": {
              "land": 20000,
              "total": 58120,
              "building": 38120
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            "assessment": {
              "land": 2000,
              "total": 5812,
              "building": 3812
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          },
          {
            "tax": 749,
            "year": 2011,
            "market": {
              "land": 20000,
              "total": 57390,
              "building": 37390
            },
            "assessment": {
              "land": 2000,
              "total": 5739,
              "building": 3739
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          },
          {
            "tax": 743,
            "year": 2010,
            "market": {
              "land": 20000,
              "total": 57390,
              "building": 37390
            },
            "assessment": {
              "land": 2000,
              "total": 5739,
              "building": 3739
            }
          },
          {
            "tax": 743,
            "year": 2009,
            "market": {
              "land": 20000,
              "total": 57390,
              "building": 37390
            },
            "assessment": {
              "land": 2000,
              "total": 5739,
              "building": 3739
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          },
          {
            "tax": 743,
            "year": 2008,
            "market": {
              "land": 6500,
              "total": 39590,
              "building": 33090
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            "assessment": {
              "land": 650,
              "total": 3959,
              "building": 3309
            }
          },
          {
            "tax": 519,
            "year": 2007,
            "market": {
              "land": 6500,
              "total": 39590,
              "building": 33090
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            "assessment": {
              "land": 650,
              "total": 3959,
              "building": 3309
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            "date": "2026-01-25",
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              "list_price": 97000,
              "listing_id": "2990637026",
              "last_update_date": "2026-01-26T21:28:37Z",
              "last_status_change_date": "2026-01-25T03:42:31Z"
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            "price_sqft": 56.72514619883041,
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            "days_after_listed": null,
            "source_listing_id": "4137274",
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            "date": "2024-02-23",
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            "listing": {
              "status": "sold",
              "list_date": "2023-08-26T22:25:10Z",
              "list_price": 110000,
              "listing_id": "2959124225",
              "last_update_date": "2024-02-23T17:22:11Z",
              "last_status_change_date": "2024-03-21T19:15:21Z"
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            "price_sqft": 0,
            "source_name": "MLSUnited",
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            "days_after_listed": null,
            "source_listing_id": "4057127",
            "price_change_percentage": null
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          {
            "date": "2023-10-28",
            "price": 110000,
            "listing": {
              "status": "sold",
              "list_date": "2023-08-26T22:25:10Z",
              "list_price": 110000,
              "listing_id": "2959124225",
              "last_update_date": "2024-02-23T17:22:11Z",
              "last_status_change_date": "2024-03-21T19:15:21Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 64.32748538011695,
            "source_name": "MLSUnited",
            "price_change": -5000,
            "days_after_listed": null,
            "source_listing_id": "4057127",
            "price_change_percentage": null
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          {
            "date": "2023-10-04",
            "price": 115000,
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              "list_date": "2023-08-26T22:25:10Z",
              "list_price": 110000,
              "listing_id": "2959124225",
              "last_update_date": "2024-02-23T17:22:11Z",
              "last_status_change_date": "2024-03-21T19:15:21Z"
            },
            "event_name": "Relisted",
            "price_sqft": 67.25146198830409,
            "source_name": "MLSUnited",
            "price_change": 115000,
            "days_after_listed": null,
            "source_listing_id": "4057127",
            "price_change_percentage": null
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          {
            "date": "2023-09-09",
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              "list_price": 110000,
              "listing_id": "2959124225",
              "last_update_date": "2024-02-23T17:22:11Z",
              "last_status_change_date": "2024-03-21T19:15:21Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "MLSUnited",
            "price_change": 0,
            "days_after_listed": "14 days",
            "source_listing_id": "4057127",
            "price_change_percentage": null
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          {
            "date": "2023-08-26",
            "price": 115000,
            "listing": {
              "status": "sold",
              "list_date": "2023-08-26T22:25:10Z",
              "list_price": 110000,
              "listing_id": "2959124225",
              "last_update_date": "2024-02-23T17:22:11Z",
              "last_status_change_date": "2024-03-21T19:15:21Z"
            },
            "event_name": "Listed",
            "price_sqft": 67.25146198830409,
            "source_name": "MLSUnited",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "4057127",
            "price_change_percentage": null
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    "rmn_listing_attribution": true
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  "property_id": "7088939472",
  "generated_at": "2026-02-16T22:59:06.331662Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
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  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 61.8
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  "utility_allowance": {
    "zip_code": "39206",
    "home_photo": "https://ap.rdcpix.com/66b577bc954c706fae04084ae64debcbl-m2201784923s-w1280.jpg",
    "rent_price": 1300.0,
    "loan_amount": 77600.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/617-N-Park-Dr_Jackson_MS_39206_M70889-39472",
    "bedroom_count": 4,
    "interest_rate": 0.07,
    "purchase_price": 97000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 12546.23,
    "mortgage_monthly": 516.27,
    "payment_standard": 1690.0,
    "total_amount_out": 19400.0,
    "additional_photos": [],
    "down_payment_rate": 0.2,
    "insurance_monthly": 46.46,
    "monthly_cash_flow": 1045.52,
    "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": "Property information explicitly lists 'Natural Gas' for heating.",
        "utility": "Heating",
        "allowance": 26
      },
      {
        "note": "Property information explicitly lists 'Central Air'.",
        "utility": "Air Conditioning",
        "allowance": 16
      },
      {
        "note": "Inferred as Natural Gas because the property has a natural gas connection and gas heating.",
        "utility": "Water Heating",
        "allowance": 23
      },
      {
        "note": "Property information lists 'Free-Standing Electric Oven' and 'Free-Standing Electric Range', indicating an electric fuel source for cooking.",
        "utility": "Cooking",
        "allowance": 14
      },
      {
        "note": "Standard allowance for miscellaneous tenant-paid electric usage in a single-family home.",
        "utility": "Other Electric",
        "allowance": 88
      },
      {
        "note": "Property information states the water source is 'Public'.",
        "utility": "Water",
        "allowance": 116
      },
      {
        "note": "Property information states the property uses 'Public Sewer'.",
        "utility": "Sewer",
        "allowance": 70
      },
      {
        "note": "Standard utility for a single-family residence, assumed to be the tenant's responsibility.",
        "utility": "Trash Collection",
        "allowance": 37
      },
      {
        "note": "The property provides a 'Free-Standing Refrigerator', so no allowance is given to the tenant.",
        "utility": "Refrigerator",
        "allowance": 0
      },
      {
        "note": "The property provides a 'Free-Standing Electric Range', so no allowance is given to the tenant for this appliance.",
        "utility": "Range/Microwave",
        "allowance": 0
      }
    ],
    "cash_on_cash_return": 0.65,
    "down_payment_amount": 19400.0,
    "property_tax_annual": 936.27,
    "property_tax_monthly": 78.02,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 390.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://www.huduser.gov/portal/datasets/pdr.html",
        "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": 6350.93,
    "property_management_monthly": 130.0,
    "monthly_cash_flow_after_debt": 529.24,
    "cash_on_cash_return_after_debt": 0.33
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  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall this property appears moderately rent-ready for a Section 8/HCV initial inspection but not fully turnkey. The tenant in place and recent rental history are positives. Visible roof staining and the age of the house (1956) are the main concerns — roof inspection and verification of interior safety devices (smoke/CO detectors), GFCI, electrical panel, HVAC and hot water are required. Expect minor-to-moderate repairs and documentation tasks; likely rent-ready within ~30 days if no active roof leaks or major system failures are found.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repairs",
            "score": 60.0,
            "rationale": "Exterior photo shows an older single-story ranch with aged roof surface staining/discoloration and older siding/finish. Front steps and small porch appear intact but cosmetic wear is evident. Listing states 'NO REHAB' and tenant in place, reducing likelihood of pervasive interior deferred maintenance, but visible roof wear and aged windows/siding indicate moderate repair needs (roof assessment, likely local exterior repairs, possible window/trim updates). Missing or older appliances not visible from photos; assumed present given tenant. Overall moderate repairs likely but not full rehab."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 65.0,
            "rationale": "No interior photos to verify smoke/CO detectors, egress window condition, GFCI outlets, or electrical panel. Exterior shows intact entry and short steps with a handrail present, and no obvious exterior exposed wiring. Roof staining could indicate water intrusion which would be a safety concern if active. Built in 1956 so lead-based paint hazard is possible and must be addressed. On balance, visible conditions don't show immediate life‑threatening hazards, but missing interior verifications and potential roof leak present moderate NSPIRE risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
            "score": 60.0,
            "rationale": "No visible exterior HVAC condenser or water heater; electrical panel not shown. Tenant in place and listing claim 'NO REHAB' suggest the major systems are functioning, but the house age (1956) increases likelihood of older plumbing/electrical components and roof nearing end-of-life (visible staining on roof). Recommend immediate inspection of roof, HVAC operation, water heater, and electrical panel. Given limited evidence, rate as moderate risk."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, site, walkways, yard",
            "score": 70.0,
            "rationale": "Lot is level with a driveway and carport; front yard is maintained but shows patchy grass and some surface staining at curb. Walkway and driveway appear serviceable; small storage shed visible at rear. Siding and trim show age but no visible foundation displacement or major exterior collapse. Drainage and gutters not visible. Overall the site looks typical and serviceable with minor maintenance likely needed."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent rental history (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Possible roof failure/active leak (visible staining/discoloration on roof surface)",
          "Potential lead-based paint hazard (property built in 1956; requires lead disclosure/assessment)"
        ],
        "confidence": 0.6,
        "assumptions": [
          "Interior photos and system access were not provided; interior conditions (smoke/CO detectors, GFCI, plumbing fixtures, cosmetic condition) are assumed serviceable unless otherwise noted by tenant/agent.",
          "Tenant in place suggests heating, hot water, and basic electrical/plumbing are currently functioning.",
          "Roof staining/discoloration in photo is assumed to indicate accelerated aging and possible active or prior leak; exact condition requires inspection.",
          "No visible exterior electrical hazards (e.g., exposed wiring) in provided photo; interior panel and wiring condition unknown.",
          "Windows are assumed original or older; egress windows in bedrooms assumed present but need verification.",
          "No visible structural sagging, foundation movement, or collapsed elements in exterior photo; interior structural issues assumed absent unless inspection indicates otherwise.",
          "Lead-based paint risk is assumed due to year built (1956) and must be handled per HUD/lead regulations.",
          "Listing statement 'NO REHAB' and tenant occupancy reduce likelihood of major deferred maintenance but do not replace a full systems inspection."
        ],
        "overall_score": 63.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Moderate Section 8 inspection risk. Exterior indicates a mostly intact, occupied single-family property with cosmetic wear and an aged roof showing patching/discoloration. Absence of interior photos prevents confirmation of required smoke/CO detectors, GFCI protection, HVAC and hot-water operation, and appliance presence. Likely to require modest repairs/verification (install/verify detectors, GFCI outlets, address roof condition if leak present, basic interior fixes) before passing NSPIRE; estimate 30–60 days to remediate items if flagged. Rental history (tenant in place) reduces time-to-rent risk.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 70.0,
            "rationale": "Exterior shows moderate deferred maintenance but no obvious structural collapse. Roof shows discoloration/patching indicating age or repairs; siding and paint are worn but intact; front steps and carport appear serviceable. Listing states 'NO REHAB' and tenant in place, suggesting interior is likely occupied and maintained. Missing interior photos prevent confirmation of appliances and interior cosmetics; missing appliances would moderately reduce score but are not evident from exterior. Overall condition suggests minor-to-moderate repairs (roof attention, cosmetic paint/siding, possible minor exterior carpentry) rather than major rehab."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety and code risk",
            "score": 50.0,
            "rationale": "Key safety items cannot be confirmed from exterior photo: smoke detectors, CO alarms, GFCI outlets, secure deadbolt, and proper egress window hardware are not visible. Roof discoloration could indicate prior or ongoing leaks (potential interior water damage/mold risk). No exposed electrical hazards visible from exterior. Front steps have a small handrail visible but condition of handrail and interior stairs (if any) unknown. Given the age (1956) and limited photographic evidence, there is moderate risk that required alarms and GFCI protection may be missing or not up to current code without targeted fixes."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems and mechanical condition",
            "score": 55.0,
            "rationale": "No HVAC condenser, water heater, electrical panel or plumbing fixtures are visible in provided photo. Roof shows signs of age and patching which may indicate prior leaks; older roof may require replacement in near term. The property is listed as tenant-occupied and 'no rehab' which implies systems are functioning, but absent interior/system photos or service records, assume moderate uncertainty. Electrical and plumbing condition are unknown; treat as moderate risk requiring inspection and possibly minor repairs."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 65.0,
            "rationale": "Lot and yard are functional; driveway and carport are present and appear serviceable. Siding/paneling and lower façade show weathering and cosmetic wear. Foundation is not visibly cracked or displaced in provided photo; grade appears reasonably flat with no standing water visible. No clear signs of infestation or severe neglect outside. Overall exterior/site is usable with routine maintenance and modest repairs."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent rental history (bonus)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Roof shows discoloration/patching — potential leak risk that could cause interior water damage or mold if active.",
          "No interior photos to confirm required smoke detectors/carbon monoxide alarms and GFCI protection — high NSPIRE failure risk if missing.",
          "Mechanical systems (HVAC, water heater, electrical panel) not visible or documented — operational uncertainty increases inspection risk."
        ],
        "confidence": 0.55,
        "assumptions": [
          "Interior not shown — assume typical occupied tenant condition but unknown state of smoke detectors, CO alarms, GFCI outlets, and appliance presence.",
          "Listing statement 'NO REHAB' and active tenant imply major systems (heat, hot water, electricity) are functional, but no service records were provided.",
          "Roof discoloration/patching in photo indicates age and possible past leaks; assume there may be isolated leak repairs needed but no visible sagging or collapse.",
          "No visible signs of foundation movement or severe structural distress from the single exterior photo; assume foundation is serviceable until interior inspection indicates otherwise.",
          "No HVAC condenser or mechanical equipment is visible in the single exterior photo; assume an installed but unverified HVAC system exists given tenant occupancy."
        ],
        "overall_score": 60.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall the property appears to be moderately close to Section 8 / NSPIRE readiness but not turnkey. The exterior and site are serviceable and there is recent rental history, which are positive indicators. Visible roof surface wear/patching is the main observable deficiency and elevates inspection risk (possible leaks). Lack of interior photos prevents verification of smoke/CO detectors, GFCI protection, HVAC presence, and interior egress; these unknowns produce moderate risk for an initial HCV inspection. Expect likely pass after addressing roof repairs (or verification of sound roof) and confirming/installing required detectors and GFCI outlets if absent. Estimated time-to-rent-ready: within 30 days if roof is sound or needs only patching; longer (30-60 days) if roof replacement or system repairs are required.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 65.0,
            "rationale": "Exterior photo shows a structurally intact single-story ranch with a carport and generally even siding; however the roof shows visible dark staining/patches and possible wear that suggest shingle failure or long-term surface deterioration. Lawn and curb appeal are unmaintained but not critical. Listing states 'NO REHAB' and tenant-in-place, which supports that interior deferred maintenance is likely limited. Missing interior photos prevent verification of flooring, cabinets, and fixtures; because visible defects are limited to the roof and minor exterior wear, score reflects minor-to-moderate repair needs (roof work likely required, cosmetic exterior/upkeep)."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code compliance risk",
            "score": 60.0,
            "rationale": "Photo does not show life-safety devices (smoke/CO detectors) or GFCI outlets, and interior egress windows and interior stairs/handrails cannot be confirmed. Entry door appears present and solid; carport/post supports look serviceable and no obvious structural sagging is visible. The roof surface condition raises a risk of leaks which would be a safety/health issue if unresolved. Tenant-in-place and listing 'no rehab' somewhat reduce likelihood of obvious life-safety failures, but absence of visible detectors and unknown electrical/plumbing conditions create moderate NSPIRE risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (roof, HVAC, electrical, plumbing)",
            "score": 55.0,
            "rationale": "Roof shows visible surface wear/patching and is the primary visible systems concern. No HVAC equipment, water heater, electrical panel, or plumbing fixtures are shown in photos. Given year built (1956) there is elevated risk of older plumbing/electrical components needing update. Tenant-in-place and seller marketing as investor-ready suggest systems are functional, but lack of visible HVAC and roof wear justify a conservative score reflecting need for mechanical verification and likely minor-to-moderate service or replacement work."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 70.0,
            "rationale": "Front elevation, carport, driveway, and yard appear serviceable with no visible foundation displacement, significant siding failure, or major grading/standing water. There are no visible collapsed structures, major cracks, or infestation evidence in the provided image. Absence of visible gutters/roof drainage and the worn roof increase long-term water-intrusion risk but immediate site safety appears acceptable."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent rental history (bonus)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Roof surface shows visible staining/patches indicating potential shingle failure or leak risk that could cause inspection failure if active leaks or severe deterioration are confirmed.",
          "No visible smoke or carbon monoxide detectors in provided imagery (interior not shown) — absence would be an NSPIRE failure.",
          "No visible roof gutters/clear drainage in photo which increases water-intrusion risk to foundation and walls if drainage is poor.",
          "Age of building (1956) increases likelihood of outdated electrical/plumbing components that may need remediation for code compliance."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Listing claim 'NO REHAB' and tenant-in-place imply interior systems are functional; I assume basic utilities are active and unit is occupied.",
          "Interior compliance items (smoke/CO detectors, GFCI outlets, egress windows, condition of stairs/handrails) are not visible; I assume they may be present but must be verified on inspection.",
          "No evidence of structural sagging, collapsed ceilings, or standing water was observed in the single provided exterior photo; assume no catastrophic structural failure visible from front elevation.",
          "Because only an exterior front photo was provided, interior appliance presence (stove/refrigerator), HVAC equipment, water heater, electrical panel condition and plumbing function are unknown and assumed possibly serviceable but should be checked."
        ],
        "overall_score": 67.0,
        "rubric_version": "2026-02-16_v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "617 N Park Dr, Jackson, MS, 39206",
    "aggregate": {
      "summary": "Overall this property appears moderately rent-ready for a Section 8/HCV initial inspection but not fully turnkey. The tenant in place and recent rental history are positives. Visible roof staining and the age of the house (1956) are the main concerns — roof inspection and verification of interior safety devices (smoke/CO detectors), GFCI, electrical panel, HVAC and hot water are required. Expect minor-to-moderate repairs and documentation tasks; likely rent-ready within ~30 days if no active roof leaks or major system failures are found.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Visible condition and repairs",
          "score": 65.0,
          "rationale": "Exterior photo shows an older single-story ranch with aged roof surface staining/discoloration and older siding/finish. Front steps and small porch appear intact but cosmetic wear is evident. Listing states 'NO REHAB' and tenant in place, reducing likelihood of pervasive interior deferred maintenance, but visible roof wear and aged windows/siding indicate moderate repair needs (roof assessment, likely local exterior repairs, possible window/trim updates). Missing or older appliances not visible from photos; assumed present given tenant. Overall moderate repairs likely but not full rehab."
        },
        {
          "key": "exterior_site",
          "label": "Exterior envelope, site, walkways, yard",
          "score": 68.3,
          "rationale": "Lot is level with a driveway and carport; front yard is maintained but shows patchy grass and some surface staining at curb. Walkway and driveway appear serviceable; small storage shed visible at rear. Siding and trim show age but no visible foundation displacement or major exterior collapse. Drainage and gutters not visible. Overall the site looks typical and serviceable with minor maintenance likely needed."
        },
        {
          "key": "rental_history_activity",
          "label": "Recent rental history (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 interior photos to verify smoke/CO detectors, egress window condition, GFCI outlets, or electrical panel. Exterior shows intact entry and short steps with a handrail present, and no obvious exterior exposed wiring. Roof staining could indicate water intrusion which would be a safety concern if active. Built in 1956 so lead-based paint hazard is possible and must be addressed. On balance, visible conditions don't show immediate life‑threatening hazards, but missing interior verifications and potential roof leak present moderate NSPIRE risk."
        },
        {
          "key": "systems_mechanical",
          "label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
          "score": 56.7,
          "rationale": "No visible exterior HVAC condenser or water heater; electrical panel not shown. Tenant in place and listing claim 'NO REHAB' suggest the major systems are functioning, but the house age (1956) increases likelihood of older plumbing/electrical components and roof nearing end-of-life (visible staining on roof). Recommend immediate inspection of roof, HVAC operation, water heater, and electrical panel. Given limited evidence, rate as moderate risk."
        }
      ],
      "red_flags": [
        "Possible roof failure/active leak (visible staining/discoloration on roof surface)",
        "Potential lead-based paint hazard (property built in 1956; requires lead disclosure/assessment)"
      ],
      "confidence": 0.86,
      "assumptions": [
        "Interior photos and system access were not provided; interior conditions (smoke/CO detectors, GFCI, plumbing fixtures, cosmetic condition) are assumed serviceable unless otherwise noted by tenant/agent.",
        "Tenant in place suggests heating, hot water, and basic electrical/plumbing are currently functioning.",
        "Roof staining/discoloration in photo is assumed to indicate accelerated aging and possible active or prior leak; exact condition requires inspection.",
        "No visible exterior electrical hazards (e.g., exposed wiring) in provided photo; interior panel and wiring condition unknown.",
        "Windows are assumed original or older; egress windows in bedrooms assumed present but need verification.",
        "No visible structural sagging, foundation movement, or collapsed elements in exterior photo; interior structural issues assumed absent unless inspection indicates otherwise.",
        "Lead-based paint risk is assumed due to year built (1956) and must be handled per HUD/lead regulations.",
        "Listing statement 'NO REHAB' and tenant occupancy reduce likelihood of major deferred maintenance but do not replace a full systems inspection."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 61.8,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7088939472"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.