Property ID: 7147784138
1213 Deeb St, Pearl, MS, 39208
Pearl, MS
Money Down: $30,360
CoC Return: 12.54%
Monthly Cash Flow: $317
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,300
Closing Costs
$5,060
Total Down
$30,360
Investment Snapshot
Purchase Price
$126,500
Money Down
$30,360
Cash-on-Cash Return
12.54%
Rent
$1,245
Monthly Cash Flow
$317
Annual Cash Flow
$3,808
Debt Service / Mo
$673
Property Tax / Mo
$81
Insurance / Mo
$49
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,245
Payment Standard
$1,620
Rent
$1,245
Insurance
$49
Property Tax
$81
Management
$124
Utilities Allowance
$375
NOI (Monthly)
$991
Debt Service
$673
Cash Flow After Debt
$317
Quality Score: 73.60%
Confidence: 85.00%
Overall this 3/1 home appears to be in good, mostly move-in condition with recent cosmetic updates and working appliances visible. Major life-safety hazards are not apparent in photos; the property is likely to pass an initial HCV/NSPIRE inspection after addressing small items (verify/install CO alarm if required, confirm/repair GFCI outlets in kitchen/bath, secure porch handrail if necessary, close skirting gaps). Systems (HVAC, plumbing, electrical panel, water heater) require onsite verification but visible evidence (outdoor condenser, intact plumbing and appliances) supports functional status. Anticipated readiness: minor repairs and code confirmations — likely rent-ready within 30 days.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$375
Guaranteed Section 8 Rent (PS - Utilities)
$1,245
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$126,500
Beds
3
Baths
1
Living Area
960 sqft
Lot Size
13,504 sqft
Year Built
1968
Days on Market
133
Capital Outlay
$30,360
Debt Service
$673
Property Tax / Mo
$81
Insurance / Mo
$49
Property Description
3/1 in quiet convenient area of Rankin County. Large backyard. Fresh paint inside. Seller just made more upgrades and it is move in ready.
Utility Allowances
Air Conditioning
$12
Property has 'Central Air' which is electric. This is a fixed allowance for a 3-bedroom unit.
Cooking
$11
Property photos show an electric stove. The 'electric' option was selected from the cooking fuel choices.
Heating
$50
Property has 'Central' heating. The fuel is inferred to be electric as other appliances are electric and natural gas is not mentioned. The 'electric' option was chosen.
Other Electric
$69
Standard allowance for general electricity (lights, outlets) in a 3-bedroom home.
Range/Microwave
$3
The property listing does not mention a microwave, so it is assumed to be tenant-owned.
Refrigerator
$0
The property listing explicitly includes a refrigerator, so this is not a tenant expense.
Sewer
$60
The property is explicitly listed as being connected to 'Public Sewer'.
Trash Collection
$37
Standard allowance for municipal trash collection for a single-family home.
Water
$104
The property is explicitly listed as being connected to 'Public' water.
Water Heating
$29
Property has a water heater. The fuel is inferred to be electric, consistent with other major appliances.
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$575
DP3 Annual Estimate$601
DP1 Monthly Equivalent$48
DP3 Monthly Equivalent$50
Replacement Value$41,280
Basis960 sqft / 1968
Nearby Houses
Photo unavailable
1212 Deeb St
sold · 0.03 mi
Price: $149,900
3 bd / 2 ba · 1,460 sqft
Latest sale: — on Oct 23, 2023
Latest rent: —
Photo unavailable
1235 Deeb St
sold · 0.06 mi
Price: $89,900
3 bd / 1 ba · 790 sqft
Latest sale: — on Aug 14, 2024
Latest rent: —
Photo unavailable
1243 Deeb St
sold · 0.09 mi
Price: $50,000
3 bd / 1 ba · 768 sqft
Latest sale: — on Oct 25, 2023
Latest rent: —
Photo unavailable
1223 Saint Augustine Dr
off_market · 0.10 mi
Price: $175,000
3 bd / 2 ba · 1,154 sqft
Latest sale: — on Mar 01, 2019
Latest rent: —
Photo unavailable
1119 St Augustine Dr
for_sale · 0.10 mi
Price: $162,500
4 bd / 1 ba · 1,182 sqft
Latest sale: — on Oct 28, 2022
Latest rent: $1,450 on Mar 26, 2025
Photo unavailable
1251 Deeb St
sold · 0.12 mi
Price: $149,000
4 bd / 3 ba · 1,620 sqft
Latest sale: — on Feb 02, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No carbon monoxide detector observed in photos — may be required and cause fail if needed and missing.
- GFCI protection for kitchen outlets not visible — missing GFCI could cause inspection failure.
- Skirting gaps/open underside at carport could allow insect/rodent entry and may need enclosure/repair.
- Front steps/handrail configuration may not meet local guardrail/handrail requirements and should be confirmed.
Assumptions
- Interior rooms not shown (bathroom, bedrooms) are in similar updated/clean condition as the kitchen photos.
- Stove and refrigerator shown in photos are included with the property and functioning.
- Central HVAC is present and operational because an exterior condensing unit is visible.
- Water heater and main electrical panel exist and are functional though not photographed; no visible signs of plumbing leaks or electrical hazards were seen.
- No evidence of active roof leaks or structural sagging exists beyond normal roof aging based on exterior and interior photo inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $942 | $49,280 | $7,392 |
| 2023 | $506 | $26,380 | $3,957 |
| 2022 | $500 | $26,380 | $3,957 |
| 2021 | $500 | $26,380 | $3,957 |
| 2020 | $500 | $26,380 | $3,597 |
| 2019 | $461 | $23,980 | $3,597 |
| 2018 | $460 | $23,980 | $3,597 |
| 2017 | $460 | $23,980 | $3,597 |
| 2016 | $440 | $22,930 | $3,440 |
| 2015 | $440 | $22,930 | $3,440 |
| 2014 | $440 | $22,930 | $2,293 |
| 2013 | $420 | $22,930 | $3,440 |
| 2012 | $420 | $22,930 | $3,440 |
| 2011 | $381 | $21,500 | $3,225 |
| 2010 | $379 | $21,500 | $2,150 |
| 2009 | $379 | $21,500 | $3,225 |
| 2008 | $368 | $21,500 | $2,150 |
| 2007 | $378 | $21,040 | $2,104 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-15 | Price Changed | $126,500 |
| 2025-12-12 | Relisted | $134,900 |
| 2025-10-24 | Listing removed | $0 |
| 2025-10-06 | Listed | $115,000 |
| 2023-06-11 | Listing removed | $0 |
| 2023-05-26 | Listed for rent | $1,145 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-09-05 | Listed for rent | $1,300 | — |
| 2023-05-22 | Listed for rent | $1,145 | — |
| 2023-02-02 | Listed for rent | $895 | — |
Photo Gallery
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"Water heater and main electrical panel exist and are functional though not photographed; no visible signs of plumbing leaks or electrical hazards were seen.",
"No evidence of active roof leaks or structural sagging exists beyond normal roof aging based on exterior and interior photo inspection."
],
"overall_score": 76.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 3BR/1BA single-family home appears largely turnkey for Housing Choice Voucher tenancy with fresh interior finishes, working kitchen appliances, and an exterior HVAC unit visible. The most likely items an inspector will request are verification of functional smoke detectors in required locations, a carbon monoxide alarm if applicable, GFCI protection in kitchen/bath, verification of hot water and heating/AC operation, and confirmation of secure entry hardware. No major structural or life-safety failures are visible in the photos. With a short list of verification and minor exterior touch-ups, this property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing show fresh interior paint, new-looking vinyl plank flooring, painted cabinets, and recent new porch decking/steps. Kitchen has fridge and stove present. Exterior siding is intact with only minor cosmetic wear (peeling paint on a small front step/trim). No visible collapsed ceilings, exposed subfloor, or major interior finish damage. Missing cosmetic touch-ups and exterior trim painting are the primary items. Overall appears recently renovated and move-in ready."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk (NSPIRE)",
"score": 70.0,
"rationale": "A smoke detector is visible in the kitchen area (positive). No visible exposed wiring, and the exterior gas/electric meter areas look standard. Bedroom windows visible from exterior appear large enough for egress but interior bedroom photos are not provided to confirm dimensions. Carbon monoxide alarm is not visible in photos (may be required if there are gas appliances; stove appears electric). GFCI protection in kitchen/bathrooms is not clearly visible. Entry door hardware (deadbolt) and electrical panel location/condition are not shown. No signs of active leaks, sagging rooflines, or severe trip hazards. Because several required safety items cannot be confirmed from photos (CO, GFCI, deadbolt, egress confirmation), a moderate deduction was applied."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 70.0,
"rationale": "An exterior HVAC condenser unit is present (image shows a heat pump/AC unit), and kitchen appliances (electric stove and fridge) are present. Roof shingles appear aged with some staining/discoloration but no visible major failure or sag. Water heater, electrical panel and plumbing access are not shown; no visible water intrusion or obvious plumbing failure in photos. Given presence of exterior AC unit and no visible system failures, systems appear serviceable but unverified—hence a moderate score reflecting unknowns (water heater, panel, hot water, circuit protection)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large, mostly level fenced yard with clear access and no standing water observed in photos. Chain link fence shows some leaning/age in sections. Trees are close to the house on the rear/sides (potential root/leaf/debris issues over time). Exterior siding and skirting appear intact; some algae/soil staining near base and some minor trim wear. Carport structure and covered porch appear intact. Overall exterior is functional but has moderate maintenance items (fence repair, trim painting, minor roof aging signs)."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years) - Bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Utilities (electricity, water) can be activated for inspection and are functional; hot water is present though water heater not visible.",
"Kitchen stove is electric (appears electric in photos); carbon monoxide alarm not required unless gas appliances exist. If gas appliances are present, a CO alarm will be required.",
"Bedrooms have adequate egress windows (large window assemblies are visible on elevations but bedroom interiors to confirm egress were not shown).",
"Electrical panel is intact and meets safety requirements though it is not visible in photos.",
"No active roof leaks despite discoloration; roof is assumed watertight based on level roofline and no visible interior stains.",
"Smoke alarm(s) are present at minimum in common area (one is visible); additional detectors in bedrooms/hallways will be installed if missing.",
"Front door locking hardware (deadbolt) is present or will be installed prior to leasing if currently missing."
],
"overall_score": 78.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed/1-bath single-family appears largely turnkey for Section 8 occupancy with fresh interior finishes, flooring and appliances present. Visible safety and structural issues are limited to minor exterior repairs, an aged roof requiring further inspection, a few site issues (leaning fence, trees close to house), and some code-verification items (CO alarm presence, GFCI protection in kitchen, deadbolt). Major life‑threatening hazards (collapsed ceilings, exposed live wiring, standing water, structural sagging) are not visible in the photos. With 1–4 targeted verifications/repairs (confirm electrical panel/water heater, add/confirm CO and GFCI protection if required, address small exterior repairs and fence, verify HVAC operation) this property is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show fresh paint, new flooring, painted cabinets, and present appliances (fridge and stove). New front porch decking and rail installed. Exterior has mildew/green staining at the base of the siding, some skirting deterioration at the foundation perimeter, and a few areas of cosmetic wear around trim and windows. Roof shingles appear aged (discoloration) but no visible active leaks. Chain-link fence is leaning in places. Overall mostly cosmetic and minor repair items; no widespread deferred interior finish failure visible."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 70.0,
"rationale": "A hardwired or battery smoke alarm is visible in the kitchen area. No CO alarm is visible in photos (required where fuel-burning appliances or attached garages exist — stove is electric and there is a carport, but CO requirement should be verified locally). Windows are present in rooms shown (egress likely OK but bedroom shots not provided). No exposed wiring or obvious electrical hazards visible; outlets are covered. GFCI protection for kitchen counters is not visible in images and should be confirmed. Entry door hardware shows a locking latch but a deadbolt is not clearly visible. Front porch has a railing; small rear steps appear to lack a handrail. No visible active water intrusion, sagging ceilings, severe mold, or other immediate life-threatening hazards in the photos."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "A condenser unit for central HVAC is present outside (indicates heating/cooling likely installed). Kitchen plumbing fixtures and sink are present. Electrical panel and water heater are not shown; condition/function not confirmed. Roof appears aged and should be inspected; shingles are discolored but no visible collapse or sagging. Because major system boxes (panel, water heater, furnace/air handler) are not visible in photos, assume functional but recommend verification—this reduces the score moderately."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.0,
"rationale": "Large level yard and chain-link fence provide usable outdoor space. Some fence posts lean and sections look aged. Siding and trim mostly intact though with staining/mildew at base; skirting/ventilation under the home shows minor deterioration in spots. Trees are close to the structure and could contribute to debris/roof wear or roots against foundation; landscaping is minimal. Carport is open and functional but not enclosed. Driveway is unpaved/two-track and may present mud/erosion issues after heavy rain. Overall serviceable but needs cleanup and a few exterior 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": [
"No major structural red flags observed (no collapsed ceilings, severe foundation movement, or standing water visible).",
"Roof appears aged / nearing end of expected service life — recommend roof inspection; replacement may be needed within a short horizon.",
"CO alarm not visible in photos — verify requirement and install if required by local code or PHA policy.",
"GFCI protection for kitchen counters is not visible — verify and install if missing (NSPIRE requires safe outlets in kitchens/baths).",
"Electrical panel and water heater locations and conditions are unknown from photos — verify serviceability; inaccessible main systems reduce inspection pass confidence.",
"Rear/side steps shown lack a handrail — may be cited depending on local code/inspector interpretation and riser/height.",
"Chain-link fence is leaning/damaged in places and should be repaired for secure perimeter and trip-hazard mitigation."
],
"confidence": 0.7,
"assumptions": [
"Kitchen stove and refrigerator shown are included and functional (stove appears electric).",
"Central HVAC condenser unit visible is connected to a functioning air handler/heating system inside (operation not verified in photos).",
"Hot water heater, electrical panel, and interior mechanical equipment exist in reasonable working condition though not shown in images.",
"Bedrooms have code-compliant egress windows (bedroom-specific photos not provided); therefore egress is assumed adequate based on window quantity/placement visible elsewhere.",
"Only one smoke alarm is visible; assume additional alarms may be present but should be verified and installed/relocated to meet NSPIRE/PHAs as needed.",
"No active roof leaks or interior water stains were visible in interior photos; roof is aged but not actively failing based on exterior photos.",
"Rental_history_last_5y provided in snapshot is accurate and qualifies as recent rental activity (included as bonus)."
],
"overall_score": 71.0,
"rubric_version": "ns-pire-2025-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1213 Deeb St, Pearl, MS, 39208",
"aggregate": {
"summary": "Overall this 3/1 home appears to be in good, mostly move-in condition with recent cosmetic updates and working appliances visible. Major life-safety hazards are not apparent in photos; the property is likely to pass an initial HCV/NSPIRE inspection after addressing small items (verify/install CO alarm if required, confirm/repair GFCI outlets in kitchen/bath, secure porch handrail if necessary, close skirting gaps). Systems (HVAC, plumbing, electrical panel, water heater) require onsite verification but visible evidence (outdoor condenser, intact plumbing and appliances) supports functional status. Anticipated readiness: minor repairs and code confirmations — likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.3,
"rationale": "Photos show a recently painted interior, new-looking kitchen cabinets, new vinyl plank flooring and a stainless refrigerator and stove — all reduce repair scope. Exterior paint is generally intact but there is green staining/mildew at the base of the siding and some missing/loose skirting under the structure and carport area. The front porch and steps appear recently replaced but the step/handrail arrangement is minimal (one-side). Overall visible deferred maintenance is minor and mostly cosmetic; missing subfloor or collapsed elements are not apparent. Missing appliances are not an issue (stove and fridge shown)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 71.7,
"rationale": "Large, well-maintained yard and intact chain-link fencing generally favorable for rental. Siding and trim are intact though bottom edges show algae/mildew and minor staining; some skirting gaps under the house and open carport underside may allow rodent entry and should be closed. Trees are close to the building and could pose future roof/limb risk. Driveway/parking is unpaved/muddy in spots but serviceable. No visible foundation displacement or major exterior structural failure in photos."
},
{
"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": "Safety & Code Risk (NSPIRE)",
"score": 71.3,
"rationale": "A smoke alarm is visible in the kitchen area which is positive. Windows appear adequate for light and likely egress in primary rooms based on photos. Exterior stairs/porch have a railing but the configuration may not meet every local handrail/guardrail requirement (only one side visible and rail height/strength unknown). No exposed electrical wiring or sagging ceilings visible in photos. No obvious major water intrusion or roof sag is evident. Potential safety concerns: no carbon monoxide alarm is visible (may be required if fuel appliances are present), GFCI protection at kitchen counters/sink is not visible in photos and should be verified/installed, and the porch step/rail detail may require adjustment. These are fixable but could cause a conditional fail if not corrected before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 68.3,
"rationale": "An exterior HVAC condensing unit is present (indicates central HVAC likely), and kitchen plumbing fixtures appear intact. Roof shingles are present and show aging/discoloration but no visible sagging or active leak stains on interior ceiling photos. The electrical panel is not shown, so panel condition and grounding cannot be confirmed. Water heater and hot water supply are not photographed. Based on visible evidence the major systems appear present and functional, but unseen components (panel, water heater, vents, GFCI) should be verified; potential medium-term roof replacement may be needed but no immediate roof collapse indicators are visible."
}
],
"red_flags": [
"No carbon monoxide detector observed in photos — may be required and cause fail if needed and missing.",
"GFCI protection for kitchen outlets not visible — missing GFCI could cause inspection failure.",
"Skirting gaps/open underside at carport could allow insect/rodent entry and may need enclosure/repair.",
"Front steps/handrail configuration may not meet local guardrail/handrail requirements and should be confirmed."
],
"confidence": 0.85,
"assumptions": [
"Interior rooms not shown (bathroom, bedrooms) are in similar updated/clean condition as the kitchen photos.",
"Stove and refrigerator shown in photos are included with the property and functioning.",
"Central HVAC is present and operational because an exterior condensing unit is visible.",
"Water heater and main electrical panel exist and are functional though not photographed; no visible signs of plumbing leaks or electrical hazards were seen.",
"No evidence of active roof leaks or structural sagging exists beyond normal roof aging based on exterior and interior photo inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 73.6,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7147784138"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.