Property ID: 7126210489
112 Purvis Dr, Crystal Springs, MS, 39059
Crystal Springs, MS
Money Down: $24,960
CoC Return: 24.50%
Monthly Cash Flow: $510
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,800
Closing Costs
$4,160
Total Down
$24,960
Investment Snapshot
Purchase Price
$104,000
Money Down
$24,960
Cash-on-Cash Return
24.50%
Rent
$1,305
Monthly Cash Flow
$510
Annual Cash Flow
$6,115
Debt Service / Mo
$554
Property Tax / Mo
$54
Insurance / Mo
$57
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,305
Payment Standard
$1,680
Rent
$1,305
Insurance
$57
Property Tax
$54
Management
$130
Utilities Allowance
$375
NOI (Monthly)
$1,063
Debt Service
$554
Cash Flow After Debt
$510
Quality Score: 70.90%
Confidence: 95.00%
This is a mostly functional 3BR/1BA brick ranch with appliance set and generally sound exterior and roof. The unit appears likely to pass Section 8 / HCV inspection after addressing several moderate issues: replace/clean living-room carpet, patch and confirm no active ceiling leaks, secure/repair exposed wiring at the entry, confirm and install required GFCI outlets in kitchen/bath, and verify HVAC, water heater, and electrical panel operation. No structural sagging or obvious foundation failure visible; primary risks are electrical and possible water intrusion that should be inspected and corrected. Anticipated time-to-rent readiness: ~2–6 weeks depending on system verifications and minor repairs.
Section 8 Payment Standard
$1,680
Utility Allowance Total
$375
Guaranteed Section 8 Rent (PS - Utilities)
$1,305
Property Management
$130
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$104,000
Beds
3
Baths
1
Living Area
1,067 sqft
Lot Size
9,583 sqft
Year Built
1985
Days on Market
23
Capital Outlay
$24,960
Debt Service
$554
Property Tax / Mo
$54
Insurance / Mo
$57
Property Description
Nice and comfortable 3BR/1BA home with a large living area. Kitchen and dining combo with plenty of counter space. Refrigerator remains along with the electric stove. Laundry room is just off of the kitchen. One car carport along with storage room. Low maintenance with brick exterior and a large backyard for the kids to play or to host a cookout!! Rates are beginning to decline so now is the best time to purchase your home!!
Utility Allowances
Heating
$50
Selected 'Electric' based on property data listing 'Heating: Central, Electric'. The 3BR allowance is $50.
Cooking
$11
Selected 'Electric' as property data mentions an 'electric stove' and 'Free-Standing Electric Oven'. The 3BR allowance is $11.
Water Heating
$29
Selected 'Electric' as property data lists 'Electric Water Heater'. The 3BR allowance is $29.
Air Conditioning
$12
AC is standard for the region and the property lists 'Window Unit(s)'. The schedule provides a fixed allowance for a 3BR unit of $12.
Water
$104
Property data specifies 'Water Source: Public'. The 3BR allowance is $104.
Sewer
$60
Property data specifies 'Public Sewer'. The 3BR allowance is $60.
Trash Collection
$37
This is a standard municipal service for a single-family home. The allowance is fixed at $37 for a 3BR unit.
Other Electric
$69
This is a baseline for general electricity use (lights, outlets). The 3BR allowance is $69.
Refrigerator
$0
The property description states 'Refrigerator remains', indicating it is provided by the landlord. Therefore, the tenant allowance is $0.
Range/Microwave
$3
The property includes an electric range, but a microwave is not specified. Per rules, this is treated as a tenant-provided appliance. The allowance is $3.
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$673
DP3 Annual Estimate$704
DP1 Monthly Equivalent$56
DP3 Monthly Equivalent$59
Replacement Value$39,080
Basis1,067 sqft / 1985
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Risk and Criteria Detail
Red Flags
- success
- Exposed/loose wiring and cables at front entry creating an electrical hazard that must be secured.
- Ceiling discoloration/staining in living area consistent with past or active water intrusion — requires investigation to confirm and repair to prevent mold or further damage.
- No visible GFCI outlet at kitchen sink in photos (kitchen electrical safety must be confirmed and corrected if absent).
Assumptions
- Listing text is accurate: electric stove and refrigerator remain on site and are functional.
- Ceiling discoloration in living area represents prior water intrusion; no active leak observed in exterior photos but must be confirmed.
- Central HVAC likely exists (ceiling vents visible) but may be supplemented by window AC units; HVAC operation not confirmed.
- Electrical panel, water heater, plumbing fixtures, and CO detectors are present but their condition/functionality are unknown (not shown).
- No evidence of severe mold, pest infestation, or hidden structural failure was visible in supplied photos; if present, scores would be significantly lower.
- Deadbolt on primary entry is not visible in photos; assume standard lock can be installed if missing.
- Bedrooms have adequate egress through windows as shown in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $629 | $46,210 | $4,621 |
| 2018 | $462 | $39,710 | $3,971 |
| 2017 | $444 | $39,710 | $3,971 |
| 2016 | $441 | $39,310 | $3,931 |
| 2015 | $446 | $39,310 | $3,931 |
| 2014 | $445 | $39,310 | $3,931 |
| 2013 | $893 | $39,310 | $5,897 |
| 2012 | $890 | $39,970 | $5,996 |
| 2011 | $866 | $39,970 | $5,996 |
| 2010 | $865 | $39,970 | $5,996 |
| 2009 | $832 | $39,970 | $5,996 |
| 2008 | $819 | $38,070 | $5,711 |
| 2007 | $401 | $38,070 | $3,807 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-24 | Listed | $104,000 |
Photo Gallery
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{
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{
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"utility": "Water Heating",
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"utility": "Air Conditioning",
"allowance": 12
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{
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"utility": "Water",
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{
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"utility": "Sewer",
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{
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"utility": "Trash Collection",
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{
"summary": "This is a mostly functional 3BR/1BA brick ranch with appliance set and generally sound exterior and roof. The unit appears likely to pass Section 8 / HCV inspection after addressing several moderate issues: replace/clean living-room carpet, patch and confirm no active ceiling leaks, secure/repair exposed wiring at the entry, confirm and install required GFCI outlets in kitchen/bath, and verify HVAC, water heater, and electrical panel operation. No structural sagging or obvious foundation failure visible; primary risks are electrical and possible water intrusion that should be inspected and corrected. Anticipated time-to-rent readiness: ~2–6 weeks depending on system verifications and minor repairs.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Exterior and interior appear generally intact with recent-looking roof shingles and brick envelope. Interior shows worn/soiled carpeting in living room, scuffed walls, ceiling discoloration in living area, and loose hanging cables at the front door — all moderate, fixable issues. Kitchen and major appliances (electric stove and refrigerator) are present which reduces capital needs. Overall mostly cosmetic and mid-level deferred maintenance; replacement/cleaning of carpet, patching ceilings, securing loose wiring and light fixtures, and touch-up painting expected before rental."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Compliance Risk",
"score": 70.0,
"rationale": "Visible smoke detector in hallway (good). Bedrooms have windows for egress. No obvious missing guardrails or trip hazards. Concerns: exposed/loose wiring or cables near entry (electrical hazard), no visible GFCI outlets at kitchen sink (photo angle limited), window AC units visible (securement and proper wiring must be verified), and ceiling stains indicating prior water intrusion that must be inspected for active leaks or mold. Deadbolt not visible in photos. These are fixable but require verification and minor corrections to meet NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Roof appears in good condition with newer shingles and no visible sagging. Ceiling vents visible indicating central HVAC ducting, but window AC units are installed in bedrooms suggesting either supplemental units or central system issues — HVAC operation must be confirmed. Electrical panel, water heater, plumbing fixtures and hot water are not shown; their condition is unknown. Given lack of visible major system failures but notable unknowns, score reflects moderate uncertainty and likelihood of small-to-moderate repairs or service work."
},
{
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"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick exterior and foundation look sound in photos with no visible major cracks or settlement. Carport and storage present, yard is generous and generally maintained. Minor issues: fence panel/area in rear shows wear and there is some yard debris (tires) behind the house. Drainage appears typical for grade; no standing water observed. Overall exterior condition is good and low-maintenance."
}
],
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"Exposed/loose wiring and cables at front entry creating an electrical hazard that must be secured.",
"Ceiling discoloration/staining in living area consistent with past or active water intrusion — requires investigation to confirm and repair to prevent mold or further damage.",
"No visible GFCI outlet at kitchen sink in photos (kitchen electrical safety must be confirmed and corrected if absent)."
],
"confidence": 0.65,
"assumptions": [
"Listing text is accurate: electric stove and refrigerator remain on site and are functional.",
"Ceiling discoloration in living area represents prior water intrusion; no active leak observed in exterior photos but must be confirmed.",
"Central HVAC likely exists (ceiling vents visible) but may be supplemented by window AC units; HVAC operation not confirmed.",
"Electrical panel, water heater, plumbing fixtures, and CO detectors are present but their condition/functionality are unknown (not shown).",
"No evidence of severe mold, pest infestation, or hidden structural failure was visible in supplied photos; if present, scores would be significantly lower.",
"Deadbolt on primary entry is not visible in photos; assume standard lock can be installed if missing.",
"Bedrooms have adequate egress through windows as shown in photos."
],
"overall_score": 70.0,
"rubric_version": "2026-02-16_v1"
},
{
"summary": "This 3BR/1BA brick ranch presents as a mostly sound, rentable property with cosmetic wear and a few system verification items. The roof and exterior envelope look good. Appliances (stove, refrigerator) are present. Main risks are unknown operability of major systems (central HVAC, water heater, electrical panel) and a few NSPIRE compliance items that are not visible in photos (GFCI outlets, CO alarms, bedroom smoke alarms). Visible issues (hanging cable near the front door, window AC units, minor ceiling discoloration, worn living-room carpet) are fixable. With targeted inspections and simple corrective work (secure wiring, verify/repair HVAC or document functioning window units as temporary, install/verify smoke & CO alarms, install/verify GFCI protection in kitchen/bath), the property is likely able to pass an initial HCV/NSPIRE inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Exterior brick and roof appear in good condition; interior shows normal wear — soiled/indented living-room carpet, scuffs, minor cosmetic wall patches, and dated fixtures. Kitchen appliances (range and refrigerator) are present per listing/photos which reduces impact of missing-appliance risk. No visible collapsed surfaces or large holes. Most issues appear cosmetic or minor repairs/cleaning (replace/clean carpet or install new flooring in living room, tighten/replace light fixtures, paint, replace a few outlet/cover plates)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "A smoke alarm is visible in the hallway (positive). No obvious major life-threatening hazards (no collapsed ceilings, large open holes, standing water or visible severe mold). Observed concerns: loose/coiled cables hanging near front door and window AC power cords — these may need securing. GFCI protection in kitchen/bath not visible from photos (unknown). Bedroom egress windows appear present but not fully verified for size/operation. Carbon monoxide alarms not visible (required if fuel-burning appliances present). Overall a moderate compliance risk that likely can be cleared with targeted fixes and installation/verification of smoke/CO detectors and secured wiring."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Roof appears recently shingled and in good visible condition. Ceiling vents are visible which suggests central HVAC ducting, but multiple rooms show window air-conditioning units which indicates the central HVAC may be absent, partially functional, or supplemented by window units—this is a systems risk until verified. No water heater, furnace, AC condenser, or electrical panel were photographed; plumbing fixtures and hot water operation are unverified. Because major system components were not shown, there is moderate risk and need for functional tests (heat, cooling, hot water, electrical panel check) before inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 80.0,
"rationale": "Brick exterior and rooflines look intact; gutters not clearly shown but no active roof leaks or severe siding damage visible. Yard is level and not heavily overgrown; carport and storage room present. Minor site issues: small amount of yard clutter and a section of fencing visible that may need repair. No visible foundation cracking or major drainage problems from photos."
}
],
"red_flags": [
"Loose/coiled wiring or cables hanging at the front entry (secure and verify non-live).",
"No visible central HVAC condenser; multiple window AC units are in use (verify heating/cooling adequacy and code compliance).",
"Ceiling discoloration / small stain in living area (possible prior or active water intrusion — investigate)."
],
"confidence": 0.72,
"assumptions": [
"Listing text and photos are representative of the whole property and appliances (refrigerator and electric stove) shown in photos are included and functional or repairable.",
"Ceiling vents indicate presence of central ductwork; however, multiple window AC units suggest central HVAC may be inoperable or supplemented. I assume central heating/cooling operability is unverified and must be tested.",
"Smoke alarm visible in hall is functional; bedroom smoke alarms and carbon monoxide alarm status are unknown and assumed absent unless documented.",
"Electrical panel, water heater, furnace/central AC condenser, plumbing supply & hot water are present in the house but were not photographed; their condition is unknown and assumed to need verification.",
"No severe hidden structural issues (foundation movement/major roof failure/collapsed ceilings) are present because exterior and interior photos show intact roofline, level foundation, and intact ceilings; however limited photos reduce certainty.",
"Minor staining/discoloration on living-room ceiling is assumed to be either cosmetic or a past repaired leak; it requires verification to confirm no active leak."
],
"overall_score": 71.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "This 3BR/1BA brick ranch is generally in good, rent‑ready condition with mostly cosmetic repairs and standard safety items to verify. The roof and exterior appear sound, kitchen appliances are present, and interior systems appear functional at a glance. Primary inspection risks are: verification of HVAC/heating, confirmation of working hot water, installation/verification of GFCI and CO protection (if required), securing loose wiring, and addressing worn living‑room carpet and a small ceiling discoloration. Addressing these items should make the unit likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior brick and roof appear in good condition; interior shows mostly cosmetic wear. Living room carpet is worn/bunched and should be replaced or secured. A missing ceiling fixture/cover and minor ceiling discoloration in living area are visible and should be repaired. Kitchen appears updated and appliances (fridge, electric stove) are present per listing and photos. Overall repairs are minor-to-moderate and mostly cosmetic or small-service items."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 70.0,
"rationale": "A smoke detector is visible in the hallway (positive). No carbon-monoxide detector is visible in photos (needed if fuel-burning appliances are present). Bedroom egress windows appear standard size (likely acceptable) but exact measurements can't be confirmed. No obvious major electrical hazards, but there are loose/exposed cables near the front door that need securing. GFCI outlets in kitchen/bath are not apparent in photos and must be verified/installed if missing. No broken stairs, guardrails, or visible structural failures. Minor safety items should be resolved prior to NSPIRE inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 65.0,
"rationale": "Roof shingles look recently replaced or in good condition. Ceiling vents and attic access indicate there may be central HVAC, but multiple window AC units are present (possible supplemental or partial cooling) and no outdoor condensing unit is clearly visible — HVAC condition and heating source need verification and service. Water heater and main electrical panel are not shown. Plumbing fixtures and laundry room are mentioned but not photographed; hot water operation and plumbing integrity are unconfirmed. Systems show moderate uncertainty and should be inspected/serviced."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick exterior and roofline are straight with no visible sagging. Yard and driveway appear serviceable; a carport and storage room provide covered parking and storage. Some shrubs are close to the foundation (recommend trimming) and there is no visible standing water or major drainage failure in photos. Overall exterior/site condition is good with normal maintenance items."
}
],
"red_flags": [
"Possible water stain / past leak on living room ceiling — needs verification to rule out active leak or ceiling damage.",
"No carbon monoxide detector visible in photos (required if fuel-burning appliances or garages are present) — verify and install if needed.",
"GFCI outlets not evident in kitchen photos — may fail inspection if missing or non-functional near sink and bathroom.",
"Loose/exposed low-voltage cables hanging by front door need securing to avoid trip/electrical hazards."
],
"confidence": 0.65,
"assumptions": [
"Listing text and photos are current and accurately represent appliances (refrigerator and electric stove remain).",
"Central HVAC likely exists (ceiling vents and attic access visible) but condition and operability are unverified; window AC units are supplemental.",
"Hot water and plumbing are functioning (no bathroom photos provided; assumed serviceable unless inspection shows otherwise).",
"Electrical panel location and condition are not visible; assumed intact unless inspection finds issues.",
"Front entry door locking hardware (deadbolt) is not visible in photos; assume standard lock is present but should be verified."
],
"overall_score": 72.0,
"rubric_version": "ns-p_snapshot_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "112 Purvis Dr, Crystal Springs, MS, 39059",
"aggregate": {
"summary": "This is a mostly functional 3BR/1BA brick ranch with appliance set and generally sound exterior and roof. The unit appears likely to pass Section 8 / HCV inspection after addressing several moderate issues: replace/clean living-room carpet, patch and confirm no active ceiling leaks, secure/repair exposed wiring at the entry, confirm and install required GFCI outlets in kitchen/bath, and verify HVAC, water heater, and electrical panel operation. No structural sagging or obvious foundation failure visible; primary risks are electrical and possible water intrusion that should be inspected and corrected. Anticipated time-to-rent readiness: ~2–6 weeks depending on system verifications and minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Exterior and interior appear generally intact with recent-looking roof shingles and brick envelope. Interior shows worn/soiled carpeting in living room, scuffed walls, ceiling discoloration in living area, and loose hanging cables at the front door — all moderate, fixable issues. Kitchen and major appliances (electric stove and refrigerator) are present which reduces capital needs. Overall mostly cosmetic and mid-level deferred maintenance; replacement/cleaning of carpet, patching ceilings, securing loose wiring and light fixtures, and touch-up painting expected before rental."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick exterior and foundation look sound in photos with no visible major cracks or settlement. Carport and storage present, yard is generous and generally maintained. Minor issues: fence panel/area in rear shows wear and there is some yard debris (tires) behind the house. Drainage appears typical for grade; no standing water observed. Overall exterior condition is good and low-maintenance."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Compliance Risk",
"score": 70.0,
"rationale": "Visible smoke detector in hallway (good). Bedrooms have windows for egress. No obvious missing guardrails or trip hazards. Concerns: exposed/loose wiring or cables near entry (electrical hazard), no visible GFCI outlets at kitchen sink (photo angle limited), window AC units visible (securement and proper wiring must be verified), and ceiling stains indicating prior water intrusion that must be inspected for active leaks or mold. Deadbolt not visible in photos. These are fixable but require verification and minor corrections to meet NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 61.7,
"rationale": "Roof appears in good condition with newer shingles and no visible sagging. Ceiling vents visible indicating central HVAC ducting, but window AC units are installed in bedrooms suggesting either supplemental units or central system issues — HVAC operation must be confirmed. Electrical panel, water heater, plumbing fixtures and hot water are not shown; their condition is unknown. Given lack of visible major system failures but notable unknowns, score reflects moderate uncertainty and likelihood of small-to-moderate repairs or service work."
}
],
"red_flags": [
"Exposed/loose wiring and cables at front entry creating an electrical hazard that must be secured.",
"Ceiling discoloration/staining in living area consistent with past or active water intrusion — requires investigation to confirm and repair to prevent mold or further damage.",
"No visible GFCI outlet at kitchen sink in photos (kitchen electrical safety must be confirmed and corrected if absent)."
],
"confidence": 0.95,
"assumptions": [
"Listing text is accurate: electric stove and refrigerator remain on site and are functional.",
"Ceiling discoloration in living area represents prior water intrusion; no active leak observed in exterior photos but must be confirmed.",
"Central HVAC likely exists (ceiling vents visible) but may be supplemented by window AC units; HVAC operation not confirmed.",
"Electrical panel, water heater, plumbing fixtures, and CO detectors are present but their condition/functionality are unknown (not shown).",
"No evidence of severe mold, pest infestation, or hidden structural failure was visible in supplied photos; if present, scores would be significantly lower.",
"Deadbolt on primary entry is not visible in photos; assume standard lock can be installed if missing.",
"Bedrooms have adequate egress through windows as shown in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 70.9,
"rubric_version": "2026-02-16_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7126210489"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.