Property ID: 7174808947
801 Planters Point Dr, Canton, MS, 39046
Canton, MS
Money Down: $29,976
CoC Return: -7.03%
Monthly Cash Flow: $-176
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,980
Closing Costs
$4,996
Total Down
$29,976
Investment Snapshot
Purchase Price
$124,900
Money Down
$29,976
Cash-on-Cash Return
-7.03%
Rent
$717
Monthly Cash Flow
$-176
Annual Cash Flow
$-2,107
Debt Service / Mo
$665
Property Tax / Mo
$96
Insurance / Mo
$60
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$717
Payment Standard
$1,010
Rent
$717
Insurance
$60
Property Tax
$96
Management
$72
Utilities Allowance
$293
NOI (Monthly)
$489
Debt Service
$665
Cash Flow After Debt
$-176
Quality Score: 66.50%
Confidence: 92.00%
Based on the exterior photo and listing, the property appears mostly sound with minor-to-moderate maintenance needs. The biggest visible concern is an aging roof with surface debris/staining and vegetation touching the siding—both are repair/maintenance items that can be addressed cheaply to reduce inspection risk. Key NSPIRE items that cannot be confirmed from the photos (smoke/CO detectors, GFCI outlets, HVAC operation, hot water, electrical panel condition and bedroom egress) should be verified; assuming typical utilities are present and functional, the home is likely to pass an initial Section 8 inspection after minor fixes and documentation. Estimated readiness: likely rent-ready within ~2–4 weeks pending verification of detectors, HVAC and plumbing.
Section 8 Payment Standard
$1,010
Utility Allowance Total
$293
Guaranteed Section 8 Rent (PS - Utilities)
$717
Property Management
$72
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$124,900
Beds
2
Baths
2
Living Area
1,336 sqft
Lot Size
5,227 sqft
Year Built
1988
Days on Market
8
Capital Outlay
$29,976
Debt Service
$665
Property Tax / Mo
$96
Insurance / Mo
$60
Property Description
Charming single-story patio-style home in the desirable Deerfield golf community of Canton. This well-laid-out 2-bedroom, 2-bath residence offers comfortable one-level living with an open living and dining area, a functional kitchen, and a private patio-perfect for easy, low-maintenance living in a quiet, established neighborhood.
Utility Allowances
Air Conditioning
$10
Selected based on the property having 'Central Air' and the fixed allowance for a 2-bedroom unit.
Cooking
$9
Selected 'Electric' option as property details list an 'Electric Cooktop' and 'Electric Range'. The allowance is for a 2-bedroom unit.
Heating
$15
Selected 'Electric Heat Pump' as the property has 'Central' heating and 'Central Air', which typically corresponds to a heat pump system. The allowance is for a 2-bedroom unit.
Other Electric
$56
Standard allowance for general electricity (lights, outlets) for a 2-bedroom unit.
Sewer
$49
Selected based on the property being connected to 'Public Sewer', a typically tenant-paid utility. The allowance is for a 2-bedroom unit.
Trash Collection
$37
Standard municipal service for a single-family home, assumed to be tenant-paid. The allowance is for a 2-bedroom unit.
Water
$93
Selected based on the property using a 'Public' water source, a typically tenant-paid utility. The allowance is for a 2-bedroom unit.
Water Heating
$24
Selected 'Electric' option as property details explicitly list an 'Electric Water Heater'. The allowance is for a 2-bedroom unit.
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$709
DP3 Annual Estimate$741
DP1 Monthly Equivalent$59
DP3 Monthly Equivalent$62
Replacement Value$57,430
Basis1,336 sqft / 1988
Nearby Houses
Photo unavailable
805 Planters Point Dr
sold · 0.01 mi
Price: $130,000
2 bd / 3 ba · 1,075 sqft
Latest sale: — on Feb 02, 2022
Latest rent: $1,325 on Apr 07, 2022
Photo unavailable
811 Planters Point Dr
sold · 0.03 mi
Price: $120,000
2 bd / 2 ba · 1,250 sqft
Latest sale: — on Jul 20, 2018
Latest rent: —
Photo unavailable
820 Planters Point Dr
sold · 0.04 mi
Price: $135,000
2 bd / 3 ba · 1,075 sqft
Latest sale: — on Jun 27, 2025
Latest rent: —
Photo unavailable
901 Hackberry Ln
for_sale · 0.04 mi
Price: $525,000
3 bd / 5 ba · 4,108 sqft
Latest sale: —
Latest rent: —
Photo unavailable
826 Planters Point Dr
sold · 0.05 mi
Price: $195,000
3 bd / 2 ba · 1,246 sqft
Latest sale: — on Aug 22, 2024
Latest rent: —
Photo unavailable
817 Planters Point Dr
sold · 0.05 mi
Price: $189,000
2 bd / 3 ba · 1,200 sqft
Latest sale: — on Feb 06, 2025
Latest rent: —
Photo unavailable
828 Planters Point Dr
sold · 0.05 mi
Price: $199,900
3 bd / 2 ba · 1,312 sqft
Latest sale: — on May 26, 2022
Latest rent: —
Photo unavailable
821 Planters Point Dr
sold · 0.05 mi
Price: $224,900
3 bd / 2 ba · 1,480 sqft
Latest sale: — on Aug 13, 2025
Latest rent: —
Photo unavailable
904 Hackberry Ln
sold · 0.07 mi
Price: $299,900
4 bd / 3 ba · 2,680 sqft
Latest sale: — on Apr 29, 2022
Latest rent: —
Photo unavailable
819 W Deerfield Dr
for_sale · 0.07 mi
Price: $315,000
3 bd / 2 ba · 2,050 sqft
Latest sale: — on May 19, 2018
Latest rent: —
Photo unavailable
829 Planters Point Dr
sold · 0.07 mi
Price: $170,000
2 bd / 3 ba · 1,035 sqft
Latest sale: — on May 24, 2024
Latest rent: —
Photo unavailable
163 Harvey Cir
sold · 0.08 mi
Price: $184,000
3 bd / 2 ba · 1,601 sqft
Latest sale: — on Jun 22, 2016
Latest rent: —
Photo unavailable
169 Harvey Cir
sold · 0.08 mi
Price: $240,000
3 bd / 2 ba · 1,591 sqft
Latest sale: — on Apr 19, 2022
Latest rent: $2,350 on Dec 09, 2025
Photo unavailable
161 Harvey Crossing Dr
sold · 0.08 mi
Price: $248,500
3 bd / 2 ba · 1,687 sqft
Latest sale: —
Latest rent: —
Photo unavailable
835 Planters Point Dr
sold · 0.09 mi
Price: $179,900
2 bd / 3 ba · 1,356 sqft
Latest sale: — on Dec 16, 2024
Latest rent: —
Photo unavailable
841 Planters Point Dr
sold · 0.09 mi
Price: $185,000
2 bd / 2 ba · 1,217 sqft
Latest sale: — on Feb 29, 2024
Latest rent: —
Photo unavailable
112 Pine Ridge Dr
sold · 0.12 mi
Price: $415,000
4 bd / 4 ba · 2,764 sqft
Latest sale: — on Feb 02, 2022
Latest rent: —
Photo unavailable
103 Moss Crk
sold · 0.13 mi
Price: $259,700
3 bd / 2 ba · 1,530 sqft
Latest sale: — on Nov 18, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior systems (smoke detectors, CO detectors where required, GFCI outlets in kitchen/bath, hot water and functioning plumbing fixtures) are present or can be installed quickly; none are visible from exterior photo.
- Kitchen appliances exist or can be provided; listing says 'functional kitchen' so no large appliance absence is assumed.
- Heating and cooling system exists and is operable but not visible in provided photo.
- No active roof leaks or significant hidden water intrusion beyond the visible surface staining/debris on roof; staining is assumed to be surface/need-for-cleaning and potential near-term shingle replacement rather than active collapse.
- Foundation and interior structural elements are sound absent visible exterior indicators of major movement or sagging.
- Built in 1988 (post-1978), so lead-based paint presumed not an automatic hazard, though localized paint condition should still be checked if painted wood is deteriorated.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,115 | $72,430 | $10,865 |
| 2024 | $1,115 | $72,430 | $10,865 |
| 2023 | $1,115 | $72,430 | $10,865 |
| 2022 | $1,115 | $72,430 | $10,865 |
| 2021 | $1,051 | $69,610 | $10,442 |
| 2020 | $1,051 | $69,610 | $10,442 |
| 2019 | $1,051 | $69,610 | $10,442 |
| 2017 | $1,034 | $68,520 | $10,278 |
| 2016 | $1,034 | $68,520 | $10,278 |
| 2015 | $993 | $68,520 | $10,278 |
| 2014 | $747 | $77,320 | $7,732 |
| 2013 | $716 | $74,160 | $7,416 |
| 2012 | $716 | $74,160 | $7,416 |
| 2011 | $698 | $74,160 | $7,416 |
| 2007 | $363 | $72,410 | $7,241 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-05-05 | Sold | — |
| 2014-10-01 | Sold | — |
Photo Gallery
Show raw JSON (debug)
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},
{
"note": "Selected 'Electric' option as property details explicitly list an 'Electric Water Heater'. The allowance is for a 2-bedroom unit.",
"utility": "Water Heating",
"allowance": 24
}
],
"cash_on_cash_return": 0.23,
"down_payment_amount": 24980.0,
"property_tax_annual": 1148.45,
"property_tax_monthly": 95.7,
"property_tax_increase": 0.03,
"utility_allowance_total": 293.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -2107.09,
"property_management_monthly": 71.7,
"monthly_cash_flow_after_debt": -175.59,
"cash_on_cash_return_after_debt": -0.08
},
"section8_assessment": {
"runs": [
{
"summary": "Based on the exterior photo and listing, the property appears mostly sound with minor-to-moderate maintenance needs. The biggest visible concern is an aging roof with surface debris/staining and vegetation touching the siding—both are repair/maintenance items that can be addressed cheaply to reduce inspection risk. Key NSPIRE items that cannot be confirmed from the photos (smoke/CO detectors, GFCI outlets, HVAC operation, hot water, electrical panel condition and bedroom egress) should be verified; assuming typical utilities are present and functional, the home is likely to pass an initial Section 8 inspection after minor fixes and documentation. Estimated readiness: likely rent-ready within ~2–4 weeks pending verification of detectors, HVAC and plumbing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Exterior photo shows generally intact siding, door and windows with only minor visible wear. Landscaping is slightly overgrown and shrubs touch the siding (minor maintenance). Roof shows surface debris, staining and aging shingles which suggest maintenance or shingle replacement may be needed within a few years. No collapsed elements, missing structural components or visible severe deterioration. Listing text describes a functional kitchen; no appliances are visible in photos but missing appliances are not assumed fatal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 68.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, walkway appears intact). Exterior door looks secure but deadbolt presence unknown. No visible exposed wiring or broken guardrails. Smoke/CO detectors, GFCI protection, hot water, bedroom egress windows and plumbing operation cannot be confirmed from exterior photo — these are common pass/fail items and will need verification prior to inspection. Vegetation contacting siding increases moisture risk which can lead to hidden mold or wood decay if unaddressed."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Roof surface condition shows wear and accumulated debris/staining; shingles may be near mid-to-late life and warrant closer inspection. No HVAC equipment visible (no exterior condensing unit in photo) so heating/cooling condition is unknown and must be confirmed. Water heater, plumbing supply/drain, electrical panel and hot water are not visible; absence of evidence reduces score. No visible active leaks or structural sagging from the provided view."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 70.0,
"rationale": "Siding appears intact and painted/stained; foundation not visible in photo. Walkway and small front stoop are serviceable from the image. Landscaping is somewhat neglected (overgrown shrubs) which can trap moisture against siding. Gutters/downspouts are not visible; proper drainage should be confirmed. No visible pest infestation, collapsed elements, or severe yard hazards in the supplied photo."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior systems (smoke detectors, CO detectors where required, GFCI outlets in kitchen/bath, hot water and functioning plumbing fixtures) are present or can be installed quickly; none are visible from exterior photo.",
"Kitchen appliances exist or can be provided; listing says 'functional kitchen' so no large appliance absence is assumed.",
"Heating and cooling system exists and is operable but not visible in provided photo.",
"No active roof leaks or significant hidden water intrusion beyond the visible surface staining/debris on roof; staining is assumed to be surface/need-for-cleaning and potential near-term shingle replacement rather than active collapse.",
"Foundation and interior structural elements are sound absent visible exterior indicators of major movement or sagging.",
"Built in 1988 (post-1978), so lead-based paint presumed not an automatic hazard, though localized paint condition should still be checked if painted wood is deteriorated."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-1.0"
},
{
"summary": "Based on the single exterior photo and listing text, this 2-bed, 2-bath patio-style home appears to be in fair to good condition with mostly cosmetic and routine maintenance needs. There are no visible life-safety catastrophes or structural collapse, but many NSPIRE-critical items (smoke/CO detectors, GFCIs, interior egress, operational HVAC/hot water, electrical panel condition) are not shown and must be verified. Likely requires minor repairs and verification/installation of code devices to pass an initial HCV/NSPIRE inspection; estimated time-to-ready is within 1–4 weeks if interior systems are operational and only detectors/GFCI/appliance touch-ups are needed. If interior systems are aged and fail, additional work may be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 72.0,
"rationale": "Exterior photo shows an overall intact single-story home with no collapsed elements, intact siding, and maintained landscaping though shrubs encroach on windows and walkway edges. Roof shows surface debris (pine needles) and some darkening that suggests aging shingles but no visible missing shingles or active collapse. No interior images provided; listing language describes a 'functional kitchen' which implies basic fixtures are present. Based on visible minor deferred maintenance (cleaning gutters/roof, trim shrubbery, touch-up paint, possible small concrete walkway repair) this appears to be mostly cosmetic and moderate capital work rather than major structural rehab. Missing or unknown interior appliance condition was considered a moderate negative but not catastrophic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "No clear evidence of life-threatening hazards in the exterior photo: no visible exposed wiring, no collapsed elements, no standing water or major foundation displacement. However critical NSPIRE items cannot be confirmed from the photo: presence/placement of smoke and CO detectors, functional egress windows in bedrooms, deadbolt on entry door, GFCI in kitchen/baths, hot water availability, and interior mold/water intrusion signs are unknown. The roof appears aged which raises modest risk of leaks. Because absence of required detectors or blocked egress would cause inspection failure and those items are unverified, a conservative mid-range score is used to reflect moderate inspection risk pending interior verification and simple fixes (install detectors, add deadbolt, install/verify GFCI)."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 62.0,
"rationale": "No mechanical systems (HVAC outdoor unit, water heater, electrical panel) are visible in the provided photo. The home was built in 1988 and the roof shows signs of age; however there is no visible major roof failure. With no evidence of active leaks, collapsed ceiling, or exterior indications of plumbing failure, the most likely scenario is aging but functional systems that may need service or replacement in the medium term. Unknowns (operational heating/AC, water heater age/operation, electrical panel condition) reduce the score; absence of visible hazards prevents a lower rating."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 68.0,
"rationale": "Front-yard, walkway, and siding appear generally serviceable. Vegetation is somewhat overgrown against the structure which can trap moisture and should be trimmed. The walkway is intact; no obvious trip hazards are visible. Siding and trim show weathering but no evident large gaps or foundation displacement in the visible area. Roof debris accumulation should be cleaned to avoid gutter/back-up issues. Overall the site condition is fair with routine exterior maintenance needed."
}
],
"red_flags": [],
"confidence": 0.45,
"assumptions": [
"Interior condition is reasonably maintained in line with tidy exterior and listing language; no visible interior photos provided.",
"Kitchen and basic appliances are present and functional or repairable (listing calls kitchen 'functional'), but appliance condition is unverified.",
"Smoke detectors, carbon monoxide detectors, deadbolt locks, and GFCI outlets are not visible in photos and are assumed absent or unverified for scoring purposes; installation may be required.",
"HVAC, water heater, and electrical panel are present and functional unless discovered otherwise; no visible exterior HVAC unit in the provided photo is not conclusive.",
"No major foundation movement, roof leaks, or interior mold issues exist beyond what is visible from the exterior; scoring reduced moderately to reflect uncertainty.",
"Windows likely provide egress for bedrooms given single-story plan, but this is unconfirmed and assumed to be acceptable until interior inspection."
],
"overall_score": 66.0,
"rubric_version": "ns-p-v1.0"
},
{
"summary": "Based on the single exterior photo and listing, the property appears mostly sound and cosmetically in need of light-to-moderate maintenance. The most likely NSPIRE inspection issues are absent or unverified required detectors (smoke/CO), unknown GFCI protection, and aging roof shingles with organic debris. These are addressable items; with installation/verification of detectors, a basic HVAC and plumbing check, and roof/landscape maintenance the unit has a reasonable chance of passing an initial HCV inspection. Expect small repairs and documentation tasks prior to move-in rather than major structural work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 72.0,
"rationale": "Exterior photos show an intact single-story unit with siding, windows and a solid entry walkway. Observable deferred maintenance is limited to overgrown shrubs, minor landscaping neglect, and aged exterior stain/paint. No collapsed surfaces, broken windows, or visible structural failure. Missing/unknown interior cosmetic issues and appliances cannot be confirmed from photos; missing appliances would moderately reduce readiness but are not visible. Overall, mostly cosmetic repairs and light cleanup appear needed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 60.0,
"rationale": "No interior photos to confirm smoke/CO detectors, GFCI outlets, or bedroom egress. Exterior shows a functioning front door and level entrance, no visible trip hazards at entry, and no collapsed elements. However, absence of visible evidence of required detectors and inability to verify electrical panel or GFCI protection present moderate inspection risk. Vegetation touching siding and roof debris increase moisture/pest risk which can lead to NSPIRE concerns if unchecked."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 58.0,
"rationale": "Roof shingles show staining, debris, and possible algae/organic buildup near the chimney/upper slope consistent with an older roof (house built 1988). No HVAC condenser, water heater, or electrical panel visible in photos to verify operational status. Because major systems are unverified from exterior photos and the roof shows age-related signs, there is moderate risk of a systems-related inspection issue; however there is no visible evidence of active leaks, collapsed elements or severe damage."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 68.0,
"rationale": "Yard and walkway are passable with a safe entry path; shrubs are overgrown against the siding which can cause moisture or pest concerns and should be trimmed. Siding appears intact without visible holes or major rot from the provided angle. No visible standing water, large foundation cracks, or unsafe site conditions in the supplied image. Roof debris and nearby trees are a site maintenance issue that could affect long-term envelope integrity."
}
],
"red_flags": [
"Aged roof with visible staining and organic debris — increased risk of roof deterioration or leaks.",
"No visible confirmation of smoke and carbon monoxide detectors — common immediate NSPIRE fail if absent.",
"Vegetation contacting siding and accumulated roof debris — moisture/pest risk that can lead to envelope or habitability issues.",
"Major systems (HVAC, water heater, electrical panel) not visible in photos — operational status unverified and potential inspection failure point if nonfunctional."
],
"confidence": 0.55,
"assumptions": [
"Interior photos and systems (smoke/CO detectors, GFCI outlets, electrical panel, water heater, HVAC controls) were not provided; their presence and condition are unknown.",
"Appliances (stove, refrigerator, washer/dryer) are not shown; their presence is not assumed. Missing appliances would moderately lower readiness but are not considered catastrophic.",
"Heating and cooling equipment is assumed to exist (typical for a 1988 single-family home) but was not visible in the supplied exterior photo and must be verified functional.",
"Roof appears aged with organic debris; assume shingles are original or near the end of service life unless a recent replacement is documented.",
"No signs of active interior water intrusion, severe mold, structural sagging, or collapsed ceilings are visible from the exterior image; these conditions are assumed absent but must be confirmed by interior inspection.",
"No rental history in last 5 years (rental_history_last_5y shows missing) so rental-readiness documentation and operating history cannot be used to boost score."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "801 Planters Point Dr, Canton, MS, 39046",
"aggregate": {
"summary": "Based on the exterior photo and listing, the property appears mostly sound with minor-to-moderate maintenance needs. The biggest visible concern is an aging roof with surface debris/staining and vegetation touching the siding—both are repair/maintenance items that can be addressed cheaply to reduce inspection risk. Key NSPIRE items that cannot be confirmed from the photos (smoke/CO detectors, GFCI outlets, HVAC operation, hot water, electrical panel condition and bedroom egress) should be verified; assuming typical utilities are present and functional, the home is likely to pass an initial Section 8 inspection after minor fixes and documentation. Estimated readiness: likely rent-ready within ~2–4 weeks pending verification of detectors, HVAC and plumbing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 73.0,
"rationale": "Exterior photo shows generally intact siding, door and windows with only minor visible wear. Landscaping is slightly overgrown and shrubs touch the siding (minor maintenance). Roof shows surface debris, staining and aging shingles which suggest maintenance or shingle replacement may be needed within a few years. No collapsed elements, missing structural components or visible severe deterioration. Listing text describes a functional kitchen; no appliances are visible in photos but missing appliances are not assumed fatal."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 68.7,
"rationale": "Siding appears intact and painted/stained; foundation not visible in photo. Walkway and small front stoop are serviceable from the image. Landscaping is somewhat neglected (overgrown shrubs) which can trap moisture against siding. Gutters/downspouts are not visible; proper drainage should be confirmed. No visible pest infestation, collapsed elements, or severe yard hazards in the supplied photo."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 62.7,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, walkway appears intact). Exterior door looks secure but deadbolt presence unknown. No visible exposed wiring or broken guardrails. Smoke/CO detectors, GFCI protection, hot water, bedroom egress windows and plumbing operation cannot be confirmed from exterior photo — these are common pass/fail items and will need verification prior to inspection. Vegetation contacting siding increases moisture risk which can lead to hidden mold or wood decay if unaddressed."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Roof surface condition shows wear and accumulated debris/staining; shingles may be near mid-to-late life and warrant closer inspection. No HVAC equipment visible (no exterior condensing unit in photo) so heating/cooling condition is unknown and must be confirmed. Water heater, plumbing supply/drain, electrical panel and hot water are not visible; absence of evidence reduces score. No visible active leaks or structural sagging from the provided view."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Interior systems (smoke detectors, CO detectors where required, GFCI outlets in kitchen/bath, hot water and functioning plumbing fixtures) are present or can be installed quickly; none are visible from exterior photo.",
"Kitchen appliances exist or can be provided; listing says 'functional kitchen' so no large appliance absence is assumed.",
"Heating and cooling system exists and is operable but not visible in provided photo.",
"No active roof leaks or significant hidden water intrusion beyond the visible surface staining/debris on roof; staining is assumed to be surface/need-for-cleaning and potential near-term shingle replacement rather than active collapse.",
"Foundation and interior structural elements are sound absent visible exterior indicators of major movement or sagging.",
"Built in 1988 (post-1978), so lead-based paint presumed not an automatic hazard, though localized paint condition should still be checked if painted wood is deteriorated."
],
"score_method": "mean_of_criteria",
"overall_score": 66.5,
"rubric_version": "2026-02-NSPIRE-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7174808947"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.