Property ID: 7191104497
318 Cameron St, Jackson, MS, 39212
Jackson, MS
Money Down: $22,800
CoC Return: 33.27%
Monthly Cash Flow: $632
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,000
Closing Costs
$3,800
Total Down
$22,800
Investment Snapshot
Purchase Price
$95,000
Money Down
$22,800
Cash-on-Cash Return
33.27%
Rent
$1,381
Monthly Cash Flow
$632
Annual Cash Flow
$7,584
Debt Service / Mo
$506
Property Tax / Mo
$69
Insurance / Mo
$36
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,381
Payment Standard
$1,790
Rent
$1,381
Insurance
$36
Property Tax
$69
Management
$138
Utilities Allowance
$409
NOI (Monthly)
$1,138
Debt Service
$506
Cash Flow After Debt
$632
Quality Score: 61.70%
Confidence: 87.00%
This 4-bed/2-bath 1957 single-family appears cosmetically rentable with moderate work required to meet NSPIRE/Section 8 initial inspection. Primary items to address before inspection: install/verify smoke detectors and CO alarms as required, confirm/label working heating and cooling and hot water, install/verify GFCI protection at required locations (kitchen/bath), repair/secure the leaning support/wire at the front yard and address uneven flooring transitions. Missing range/refrigerator seen in photos is a moderate readiness hit but not an automatic safety failure if tenants provide appliances; landlord should confirm and supply or document appliance responsibility. If electrical, HVAC, or water-heater issues are discovered during a field inspection those could lower readiness significantly. With targeted fixes this property could pass within 2–4 weeks; if hidden system failures are found allow 30+ days.
Section 8 Payment Standard
$1,790
Utility Allowance Total
$409
Guaranteed Section 8 Rent (PS - Utilities)
$1,381
Property Management
$138
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$95,000
Beds
4
Baths
2
Living Area
1,500 sqft
Lot Size
23,958 sqft
Year Built
1957
Days on Market
2
Capital Outlay
$22,800
Debt Service
$506
Property Tax / Mo
$69
Insurance / Mo
$36
Property Description
4 bedroom and 2 bath. Perfect for investors! Sold in as is condition.Do not disturb the tenants. Currently leased for $1100 a month. Property can be sold as a package deal with MLS#4138428.
Utility Allowances
Air Conditioning
$16
Selected based on the property having 'Central Air' and the fixed allowance for a 4-bedroom unit.
Cooking
$14
Selected 'Electric' as the property lists 'Electricity Connected' but does not explicitly mention a natural gas connection. This is the most expensive and logical choice given the available information.
Heating
$24
Selected 'Electric Heat Pump' because the property has 'Central' heating & cooling, and a natural gas connection is not confirmed. A heat pump is a common form of central electric heating.
Other Electric
$88
Standard fixed allowance for general electricity usage (lights, outlets) in a 4-bedroom home.
Range/Microwave
$3
The property description does not explicitly state a microwave is provided, so it is assumed to be tenant-owned and an allowance is provided.
Refrigerator
$4
The property description does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned and an allowance is provided.
Sewer
$70
Selected based on the property's explicit connection to 'Public Sewer'.
Trash Collection
$37
Inferred as a standard, required utility for a single-family residence that is typically the tenant's responsibility.
Water
$116
Selected based on the property's explicit connection to a 'Public' water source.
Water Heating
$37
Selected 'Electric' as the most likely fuel source, consistent with the assumptions for heating and cooking due to the absence of a confirmed natural gas connection.
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$349
DP3 Annual Estimate$510
DP1 Monthly Equivalent$29
DP3 Monthly Equivalent$42
Replacement Value$21,400
Basis1,500 sqft / 1957
Nearby Houses
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3824 Nichols Blvd
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3 bd / 1 ba · 1,040 sqft
Latest sale: — on Oct 28, 2024
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Photo unavailable
3655 Lee Dr
sold · 0.09 mi
Price: $24,900
2 bd / 1 ba · 849 sqft
Latest sale: — on Aug 30, 2023
Latest rent: $600 on Apr 19, 2012
Photo unavailable
305 Judy St
for_sale · 0.12 mi
Price: $57,400
3 bd / 2 ba · 1,138 sqft
Latest sale: — on Sep 07, 1993
Latest rent: —
Photo unavailable
334 Savanna St
sold · 0.16 mi
Price: $79,000
3 bd / 2 ba · 1,570 sqft
Latest sale: — on Oct 21, 2024
Latest rent: $1,050 on Apr 02, 2025
Photo unavailable
280 Savanna St
for_sale · 0.17 mi
Price: $22,900
3 bd / 1 ba · 1,027 sqft
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or CO alarms in photos — likely NSPIRE fail until installed/verified.
- Potential electrical/site hazard: leaning support/overhead cable anchored to house/front yard — needs evaluation and securing.
- No visible HVAC or water-heater equipment documented in photos — must verify heating and hot water for pass.
- Aged bathroom tile/grout with potential for mold or grout failure — requires closer inspection and cleaning/repair.
- Uneven/misaligned flooring transitions and worn floor areas that present trip hazards and need repair.
Assumptions
- Photos are recent and representative of current interior and exterior condition.
- Tenants are in place (listing warns 'do not disturb tenants') and some appliances (stove/fridge) may be tenant-owned or absent in seller photos.
- Roof has no active leaks (no staining or ceiling collapse visible in interior photos).
- No major unseen foundation movement or concealed water damage exists beyond what is visible.
- HVAC and water heater exist (return vent visible) but operational status is unknown and must be verified on-site.
- Electrical panel is present and meets code, but its condition and breaker labeling are unknown without inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $809 | $27,900 | $4,185 |
| 2023 | $804 | $27,900 | $4,185 |
| 2021 | $805 | $27,900 | $4,185 |
| 2020 | $797 | $27,790 | $4,169 |
| 2019 | $798 | $27,790 | $4,169 |
| 2018 | $789 | $27,790 | $4,169 |
| 2017 | $789 | $27,790 | $4,169 |
| 2016 | $768 | $27,790 | $4,169 |
| 2015 | $766 | $28,560 | $4,284 |
| 2014 | $765 | $28,560 | $4,284 |
| 2013 | $744 | $28,560 | $4,284 |
| 2012 | $744 | $28,560 | $4,284 |
| 2011 | $682 | $26,550 | $3,983 |
| 2010 | $678 | $26,550 | $3,983 |
| 2009 | $678 | $26,550 | $3,983 |
| 2008 | $678 | $23,740 | $3,561 |
| 2007 | $612 | $23,740 | $3,561 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2013-09-23 | Sold | — |
Photo Gallery
Show raw JSON (debug)
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{
"note": "Standard fixed allowance for general electricity usage (lights, outlets) in a 4-bedroom home.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "The property description does not explicitly state a microwave is provided, so it is assumed to be tenant-owned and an allowance is provided.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property description does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned and an allowance is provided.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Selected based on the property's explicit connection to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Inferred as a standard, required utility for a single-family residence that is typically the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Selected based on the property's explicit connection to a 'Public' water source.",
"utility": "Water",
"allowance": 116
},
{
"note": "Selected 'Electric' as the most likely fuel source, consistent with the assumptions for heating and cooking due to the absence of a confirmed natural gas connection.",
"utility": "Water Heating",
"allowance": 37
}
],
"cash_on_cash_return": 0.72,
"down_payment_amount": 19000.0,
"property_tax_annual": 833.27,
"property_tax_monthly": 69.44,
"property_tax_increase": 0.03,
"utility_allowance_total": 409.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/fmr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39212/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 7584.47,
"property_management_monthly": 138.1,
"monthly_cash_flow_after_debt": 632.04,
"cash_on_cash_return_after_debt": 0.4
},
"section8_assessment": {
"runs": [
{
"summary": "This 4-bed/2-bath 1957 single-family appears cosmetically rentable with moderate work required to meet NSPIRE/Section 8 initial inspection. Primary items to address before inspection: install/verify smoke detectors and CO alarms as required, confirm/label working heating and cooling and hot water, install/verify GFCI protection at required locations (kitchen/bath), repair/secure the leaning support/wire at the front yard and address uneven flooring transitions. Missing range/refrigerator seen in photos is a moderate readiness hit but not an automatic safety failure if tenants provide appliances; landlord should confirm and supply or document appliance responsibility. If electrical, HVAC, or water-heater issues are discovered during a field inspection those could lower readiness significantly. With targeted fixes this property could pass within 2–4 weeks; if hidden system failures are found allow 30+ days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 68.0,
"rationale": "Interior shows recently painted walls and functional cabinets but multiple cosmetic issues: mixed flooring installations with visible seams and wear, discolored/aged hardwood in places, cabinet trim and lower kick areas showing wear, bathroom tile/grout aged. Kitchen sink and cabinets appear serviceable but there is no visible range or refrigerator in photos (likely tenant-owned or removed) — missing appliances moderately reduce readiness. Exterior shows intact siding and fence but some yard litter and a leaning support/post near the front yard. Overall mostly cosmetic and moderate repair items; no obvious severe structural failure visible in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Photos do not show any smoke detectors or carbon monoxide alarms — absence of visible detectors is a common NSPIRE fail point and must be corrected. Bathroom and kitchen outlets do not show GFCI devices; the outlet near the kitchen sink visible in photos is not clearly GFCI protected. Bedroom windows are present but egress sizing cannot be fully confirmed from photos; at least one window appears modest in size and may require confirmation. The front yard shows a leaning pole/cable tied to the house which could be an electrical/low-voltage hazard or trip hazard and requires inspection. Entry porch has handrail/guardrail visible which is positive. No active roof leaks, collapsed ceilings, or standing water seen in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Roof appears shingled and in reasonable condition from exterior photo; no visible sagging or leaks observed. HVAC equipment (furnace/AC) and water heater are not shown; a wall/return vent is visible suggesting forced-air but system operation and age are unknown and must be verified. Electrical panel not shown — condition unknown. Plumbing fixtures (kitchen sink, bathtub, toilet, lavatory) are present and appear functional in photos but condition of hot water supply and drain performance not verifiable. Given lack of visible catastrophic system failure but missing system confirmations, assign moderate score."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior siding, foundation height/venting, and roofline appear intact. Chain-link fence is present and largely intact. Front porch and steps have rails; carport/pergola structure exists though looks basic. Yard shows some trash and minor ground wear near curb. The leaning support/pole near the front is a site concern and should be remedied. No obvious foundation cracks, major siding failure, or severe site drainage issues visible in photos."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos — likely NSPIRE fail until installed/verified.",
"Potential electrical/site hazard: leaning support/overhead cable anchored to house/front yard — needs evaluation and securing.",
"No visible HVAC or water-heater equipment documented in photos — must verify heating and hot water for pass.",
"Aged bathroom tile/grout with potential for mold or grout failure — requires closer inspection and cleaning/repair.",
"Uneven/misaligned flooring transitions and worn floor areas that present trip hazards and need repair."
],
"confidence": 0.65,
"assumptions": [
"Photos are recent and representative of current interior and exterior condition.",
"Tenants are in place (listing warns 'do not disturb tenants') and some appliances (stove/fridge) may be tenant-owned or absent in seller photos.",
"Roof has no active leaks (no staining or ceiling collapse visible in interior photos).",
"No major unseen foundation movement or concealed water damage exists beyond what is visible.",
"HVAC and water heater exist (return vent visible) but operational status is unknown and must be verified on-site.",
"Electrical panel is present and meets code, but its condition and breaker labeling are unknown without inspection."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate inspection risk. Property is largely structurally intact and appears rentable with mostly cosmetic and moderate repair needs (flooring transitions, bathroom tile/caulking, likely missing appliances). Primary inspection concerns: missing/uncertain smoke and CO detectors, lack of visible GFCI protection at wet areas, and a leaning utility/post in the front yard that represents an exterior safety hazard. Systems (HVAC, water heater, electrical panel) are not shown and should be verified; if functional, the unit would likely pass after addressing detectors, GFCI outlets, securing the leaning utility/post, and finishing minor flooring and cosmetic repairs. Estimated time to full Section 8/NSPIRE readiness: 2–6 weeks depending on speed of addressing detectors, electrical GFCI, and exterior utility issue.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 60.0,
"rationale": "Interior shows recent paint and generally intact surfaces but moderate deferred maintenance: mixed and uneven flooring (laminate overlay pulling at transitions), worn/refinished hardwood with staining, dated bathroom tile and grout, and kitchen cabinets with cosmetic wear. Photos do not show stove or refrigerator (appliances either tenant-owned or missing) which reduces readiness moderately but is a repair/capital issue rather than a life-safety failure."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "No smoke detectors or CO alarms visible in photos and no visible GFCI outlets at kitchen/sink area or bathroom. Front yard shows a leaning utility/post that appears to encroach toward the fenced yard (potential electrical/utility hazard). No exposed interior wiring or collapsed ceilings observed. Bedrooms have windows but egress sizing cannot be confirmed from photos. Built in 1957 — presumed potential lead-paint risk until tested."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Roof appears intact from street photos with no visible sagging or active leaks. A wall/return vent is visible indicating some forced-air/HVAC system presence, but no equipment (furnace/AC unit, water heater, electrical panel) is shown. Plumbing fixtures appear present and functional (sink, tub/toilet), but hot water system and electrical panel condition are unverified. No obvious active mechanical failures visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 60.0,
"rationale": "Siding and foundation vents look generally intact; porch and railing present. Chain-link fence is serviceable but yard has litter and uneven ground at the curb. The most concerning exterior item is a leaning utility pole/wire that appears to be tied into the yard/fence area — a site/safety concern. Carport structure appears serviceable but not fully finished. Drainage and guttering not visible to confirm."
}
],
"red_flags": [
"Leaning utility pole/wire in front yard that contacts/leans toward fenced area (potential electrical/utility hazard).",
"No smoke detectors or CO alarm visible in photos (NSPIRE requirement).",
"No visible GFCI protection at kitchen sink/bath areas in photos.",
"Uneven/partially detached laminate flooring at transitions creating trip hazard.",
"Built in 1957 — potential lead-based paint risk until tested/abated."
],
"confidence": 0.6,
"assumptions": [
"Listing text stating 'currently leased' is accurate and indicates recent rental activity within the last 5 years.",
"An HVAC/forced-air system is present (inferred from visible vent/return) and operational unless inspection reveals otherwise.",
"No active roof leaks or major foundation movement exist since none are visible in exterior photos.",
"Appliances (stove/fridge) are not visible in listing photos; they may be tenant-owned. Missing appliances are treated as capital items, not life-safety failures.",
"Smoke detectors, carbon monoxide alarms, electrical panel condition, and water heater are not shown and therefore treated as unknown; absence in photos is treated as potential deficiency."
],
"overall_score": 63.0,
"rubric_version": "ns-pinspect-v1.0"
},
{
"summary": "Overall this 4-bed/2-bath single-family appears mostly cosmetically updated and structurally serviceable from photos, with typical minor-to-moderate repair items. Main NSPIRE inspection risks are missing/uncertain smoke and CO detectors, unverified GFCI protection, unknown status of HVAC/water heater/electrical panel, and a leaning post/yard hazard. Missing kitchen appliances reduce readiness but are a moderate, fixable item. With targeted fixes (install detectors, verify/repair HVAC and water heater if needed, secure/replace leaning post, add GFCI outlets or breakers, address flooring transition), the property is likely to pass an initial HCV/NSPIRE inspection within 30–60 days. Current tenant occupancy suggests recent rental activity, which supports rental-readiness once the listed safety/system items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 70.0,
"rationale": "Interior shows generally intact surfaces with recent paint and cabinet work; kitchen has sink, cabinets and visible washer hookups but no stove or refrigerator in photos (missing appliances reduce score moderately). Flooring is a mix of hardwood and newer vinyl plank with a visible mismatched/loose transition and some stained/uneven hardwood areas that will need refinishing or replacement in places. Bathroom fixtures appear present and functional but tile is old and cosmetic. Exterior siding and porch steps appear intact. Overall mostly cosmetic and medium-minor repairs; likely rentable after 1-3 weeks of targeted work (appliances, secure flooring transitions, minor cabinet/trim touch-up)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "Photos do not show smoke detectors or CO alarms — absence of visible detectors is a common NSPIRE fail and needs immediate attention. No obvious exposed wiring or collapsed ceilings visible. GFCI protection at kitchen counter not visible in photos (likely needed). Windows appear older; bedroom egress was not verified from photos. Front entry has a metal security railing; chain-link fence secures yard. A leaning pole/support in the front yard near the fence could be a trip/utility hazard and should be investigated (possible electrical/utility guy-wire or unsecured post). Plumbing fixtures (toilet, tub, sink) are present. In sum: several inspection-risk items (missing detectors, unknown GFCI/egress, potential exterior hazard) but no immediate visible life-threatening conditions."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 60.0,
"rationale": "Roof and exterior envelope look serviceable from the photo (asphalt shingles appear intact). No obvious active roof leaks or ceiling stains. A floor/return vent and wall vent cover are visible indicating a central HVAC/forced-air duct system may be present, but the heating/cooling equipment and water heater are not shown — their operational status is unknown and therefore a moderate risk. Electrical panel is not pictured and GFCI locations are not confirmed. Plumbing fixtures are installed; no visible active leaks in the photos. Because critical equipment (furnace/A/C, water heater, panel) is unverified, allow moderate deduction for system unknowns."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard condition",
"score": 70.0,
"rationale": "Chain-link fence and gate provide secured yard; porch and steps have railings. Siding and foundation vents appear intact with no visible major foundation movement. Yard is somewhat unkempt with scattered litter. A leaning wooden/metal post near the front fence is visible and should be assessed/secured or removed. Carport/covered parking structure appears structurally straightforward but not fully finished. No obvious standing water or large grading problems visible in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — NSPIRE/Section 8 fail until installed and functional.",
"Leaning post/pole in front yard adjacent to fence — potential utility/structural/trip hazard that requires immediate evaluation and remediation.",
"Unverified major mechanical equipment (furnace/AC and water heater) — lack of photographed operational systems increases inspection risk and must be confirmed functioning.",
"Mismatched/loose flooring transition creates a trip hazard in living area and must be secured."
],
"confidence": 0.6,
"assumptions": [
"Property is tenant-occupied as listed (listing text states currently leased).",
"Central HVAC / forced-air ducting is present (inferred from visible return/vent cover) but equipment (furnace/AC unit) was not photographed and its operability is unknown.",
"Electrical panel and GFCI outlets are not shown in photos; assume standard older electrical installation with possible missing GFCI protection at kitchen/bath until verified.",
"No visible active roof leaks or major foundation movement in provided photos; assume roof is serviceable but not formally inspected.",
"Leaning pole in front yard is a freestanding post or guy-wire support; it could be a utility hazard but its electrical connection is not confirmed from photos.",
"No smoke or carbon monoxide detectors were visible in photos; assume none or not properly located until confirmed.",
"Lead-based paint risk exists due to 1957 build date; no testing documents provided."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "318 Cameron St, Jackson, MS, 39212",
"aggregate": {
"summary": "This 4-bed/2-bath 1957 single-family appears cosmetically rentable with moderate work required to meet NSPIRE/Section 8 initial inspection. Primary items to address before inspection: install/verify smoke detectors and CO alarms as required, confirm/label working heating and cooling and hot water, install/verify GFCI protection at required locations (kitchen/bath), repair/secure the leaning support/wire at the front yard and address uneven flooring transitions. Missing range/refrigerator seen in photos is a moderate readiness hit but not an automatic safety failure if tenants provide appliances; landlord should confirm and supply or document appliance responsibility. If electrical, HVAC, or water-heater issues are discovered during a field inspection those could lower readiness significantly. With targeted fixes this property could pass within 2–4 weeks; if hidden system failures are found allow 30+ days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 66.0,
"rationale": "Interior shows recently painted walls and functional cabinets but multiple cosmetic issues: mixed flooring installations with visible seams and wear, discolored/aged hardwood in places, cabinet trim and lower kick areas showing wear, bathroom tile/grout aged. Kitchen sink and cabinets appear serviceable but there is no visible range or refrigerator in photos (likely tenant-owned or removed) — missing appliances moderately reduce readiness. Exterior shows intact siding and fence but some yard litter and a leaning support/post near the front yard. Overall mostly cosmetic and moderate repair items; no obvious severe structural failure visible in photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 68.3,
"rationale": "Exterior siding, foundation height/venting, and roofline appear intact. Chain-link fence is present and largely intact. Front porch and steps have rails; carport/pergola structure exists though looks basic. Yard shows some trash and minor ground wear near curb. The leaning support/pole near the front is a site concern and should be remedied. No obvious foundation cracks, major siding failure, or severe site drainage issues visible in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 53.3,
"rationale": "Photos do not show any smoke detectors or carbon monoxide alarms — absence of visible detectors is a common NSPIRE fail point and must be corrected. Bathroom and kitchen outlets do not show GFCI devices; the outlet near the kitchen sink visible in photos is not clearly GFCI protected. Bedroom windows are present but egress sizing cannot be fully confirmed from photos; at least one window appears modest in size and may require confirmation. The front yard shows a leaning pole/cable tied to the house which could be an electrical/low-voltage hazard or trip hazard and requires inspection. Entry porch has handrail/guardrail visible which is positive. No active roof leaks, collapsed ceilings, or standing water seen in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Roof appears shingled and in reasonable condition from exterior photo; no visible sagging or leaks observed. HVAC equipment (furnace/AC) and water heater are not shown; a wall/return vent is visible suggesting forced-air but system operation and age are unknown and must be verified. Electrical panel not shown — condition unknown. Plumbing fixtures (kitchen sink, bathtub, toilet, lavatory) are present and appear functional in photos but condition of hot water supply and drain performance not verifiable. Given lack of visible catastrophic system failure but missing system confirmations, assign moderate score."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos — likely NSPIRE fail until installed/verified.",
"Potential electrical/site hazard: leaning support/overhead cable anchored to house/front yard — needs evaluation and securing.",
"No visible HVAC or water-heater equipment documented in photos — must verify heating and hot water for pass.",
"Aged bathroom tile/grout with potential for mold or grout failure — requires closer inspection and cleaning/repair.",
"Uneven/misaligned flooring transitions and worn floor areas that present trip hazards and need repair."
],
"confidence": 0.87,
"assumptions": [
"Photos are recent and representative of current interior and exterior condition.",
"Tenants are in place (listing warns 'do not disturb tenants') and some appliances (stove/fridge) may be tenant-owned or absent in seller photos.",
"Roof has no active leaks (no staining or ceiling collapse visible in interior photos).",
"No major unseen foundation movement or concealed water damage exists beyond what is visible.",
"HVAC and water heater exist (return vent visible) but operational status is unknown and must be verified on-site.",
"Electrical panel is present and meets code, but its condition and breaker labeling are unknown without inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 61.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7191104497"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.