Property ID: 7201054504
3920 Walker Ave, Jackson, MS, 39212
Jackson, MS
Money Down: $9,360
CoC Return: 117.37%
Monthly Cash Flow: $915
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$7,800
Closing Costs
$1,560
Total Down
$9,360
Investment Snapshot
Purchase Price
$39,000
Money Down
$9,360
Cash-on-Cash Return
117.37%
Rent
$1,345
Monthly Cash Flow
$915
Annual Cash Flow
$10,986
Debt Service / Mo
$208
Property Tax / Mo
$58
Insurance / Mo
$29
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,345
Payment Standard
$1,790
Rent
$1,345
Insurance
$29
Property Tax
$58
Management
$134
Utilities Allowance
$445
NOI (Monthly)
$1,123
Debt Service
$208
Cash Flow After Debt
$915
Quality Score: 64.00%
Confidence: 93.00%
Based on the single exterior photo and listing text the property appears generally serviceable with mostly cosmetic and moderate repair issues. Key concerns are moisture staining at the foundation, tree overhang on the roof, and the inability to verify interior life-safety items (smoke/CO detectors, GFCI, egress windows) and mechanical systems (HVAC, water heater, electrical panel). Likely falls into 'minor repairs' category; probably rent-ready within ~30 days if interior systems and detectors are present and functional. Recommend a full interior inspection and basic mechanical testing prior to accepting for Section 8 tenancy.
Section 8 Payment Standard
$1,790
Utility Allowance Total
$445
Guaranteed Section 8 Rent (PS - Utilities)
$1,345
Property Management
$134
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$39,000
Beds
4
Baths
2
Living Area
1,188 sqft
Lot Size
10,019 sqft
Year Built
1950
Days on Market
189
Capital Outlay
$9,360
Debt Service
$208
Property Tax / Mo
$58
Insurance / Mo
$29
Property Description
Investor Opportunity! This well-maintained single-family home offers immediate income with a reliable tenant already in place. Featuring 4 bedrooms and 2 bathrooms
Utility Allowances
Heating
$64
Selected 'Electric' for a 4-bedroom unit. Property details list 'Central' heating and 'Electricity Available' with no mention of gas. Electric is the more expensive option compared to natural gas or a heat pump.
Air Conditioning
$16
Selected for a 4-bedroom unit. Property details list 'Central Air' under cooling systems.
Cooking
$14
Selected 'Electric' for a 4-bedroom unit. An oven is listed as provided, and electric service is confirmed. Electric is assumed as the fuel type in the absence of gas information.
Water Heating
$37
Selected 'Electric' for a 4-bedroom unit. The fuel type for the water heater is not specified, so electric is assumed, consistent with other appliances and as the more expensive option.
Water
$116
Selected for a 4-bedroom unit. Property details confirm connection to 'Public' water source.
Sewer
$70
Selected for a 4-bedroom unit. Property details confirm connection to 'Public Sewer'.
Trash Collection
$37
Selected based on the 4-bedroom rate. Trash collection is a standard tenant-paid utility for single-family homes.
Other Electric
$88
Selected for a 4-bedroom unit. This is a standard allowance for general electricity consumption not covered by other categories.
Refrigerator
$0
Allowance is $0 because the property details explicitly state a 'Refrigerator' is provided by the landlord.
Range/Microwave
$3
Selected for a 4-bedroom unit. The property details do not list a microwave as a provided appliance, so this allowance for a tenant-owned microwave applies.
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$302
DP3 Annual Estimate$404
DP1 Monthly Equivalent$25
DP3 Monthly Equivalent$34
Replacement Value$16,820
Basis1,188 sqft / 1950
Nearby Houses
No nearby houses were returned.
Risk and Criteria Detail
Red Flags
- success
- Moss/green staining at brick foundation indicating potential drainage or water intrusion risk (possible mold or ongoing moisture).
- Large tree limbs overhanging roof — increased risk for roof damage, clogged gutters, and accelerated shingle wear.
Assumptions
- Interior condition (floors, walls, ceilings, appliances, plumbing fixtures) is unknown; scoring assumes no catastrophic interior damage.
- Smoke and carbon monoxide detectors, GFCI outlets, and proper bedroom egress are not visible in photos and are assumed to possibly be present but must be verified; lack of visible detectors reduced safety score.
- HVAC, water heater, and electrical panel locations are not visible; assumed to be present and operational unless inspection indicates otherwise.
- Listing statement 'tenant already in place' was noted but official rental_history_last_5y data is missing; rental_history_activity not applied.
- Moss/green staining at foundation indicates moisture/drainage issues; assumed potential for elevated moisture risk that requires follow-up.
- No interior evidence of lead-based paint, mold, or active leaks is visible; these remain possible given year built (1950) and must be tested/inspected.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $676 | $23,320 | $3,498 |
| 2023 | $672 | $23,320 | $3,498 |
| 2021 | $673 | $23,320 | $3,498 |
| 2020 | $655 | $22,840 | $3,426 |
| 2019 | $655 | $22,840 | $3,426 |
| 2018 | $648 | $22,840 | $3,426 |
| 2017 | $648 | $22,840 | $3,426 |
| 2016 | $330 | $11,950 | $1,793 |
| 2015 | $314 | $11,700 | $1,755 |
| 2014 | $313 | $11,700 | $1,755 |
| 2013 | $305 | $11,700 | $1,755 |
| 2012 | $305 | $11,700 | $1,755 |
| 2011 | $288 | $11,230 | $1,685 |
| 2010 | $757 | $29,650 | $4,448 |
| 2009 | $757 | $29,650 | $4,448 |
| 2008 | $757 | $25,970 | $3,896 |
| 2007 | $670 | $25,970 | $3,896 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-08-11 | Listed | $39,000 |
| 2011-01-18 | Listing removed | $2,000 |
| 2010-12-21 | Listed | $2,000 |
Photo Gallery
Show raw JSON (debug)
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"assessment": {
"land": 975,
"total": 1685,
"building": 710
}
},
{
"tax": 757,
"year": 2010,
"market": {
"land": 6500,
"total": 29650,
"building": 23150
},
"assessment": {
"land": 975,
"total": 4448,
"building": 3473
}
},
{
"tax": 757,
"year": 2009,
"market": {
"land": 6500,
"total": 29650,
"building": 23150
},
"assessment": {
"land": 975,
"total": 4448,
"building": 3473
}
},
{
"tax": 757,
"year": 2008,
"market": {
"land": 5500,
"total": 25970,
"building": 20470
},
"assessment": {
"land": 825,
"total": 3896,
"building": 3071
}
},
{
"tax": 670,
"year": 2007,
"market": {
"land": 5500,
"total": 25970,
"building": 20470
},
"assessment": {
"land": 825,
"total": 3896,
"building": 3071
}
}
],
"property_history": [
{
"date": "2025-08-11",
"price": 39000,
"listing": {
"status": "for_sale",
"list_date": "2025-08-11T17:25:08Z",
"list_price": 39000,
"listing_id": "2985226046",
"last_update_date": "2025-09-25T15:33:28Z",
"last_status_change_date": "2025-09-25T15:34:41Z"
},
"event_name": "Listed",
"price_sqft": 32.82828282828283,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4122114",
"price_change_percentage": null
},
{
"date": "2011-01-18",
"price": 2000,
"listing": {
"status": "off_market",
"list_date": "2010-12-21T17:15:00Z",
"list_price": 2000,
"listing_id": "524545331",
"last_update_date": "2011-01-18T16:53:00Z",
"last_status_change_date": "2011-01-18T16:53:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "28 days",
"source_listing_id": "226681",
"price_change_percentage": null
},
{
"date": "2010-12-21",
"price": 2000,
"listing": {
"status": "off_market",
"list_date": "2010-12-21T17:15:00Z",
"list_price": 2000,
"listing_id": "524545331",
"last_update_date": "2011-01-18T16:53:00Z",
"last_status_change_date": "2011-01-18T16:53:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "226681",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7201054504",
"generated_at": "2026-02-16T23:22:58.030845Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.0
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/0a55b40d81e2df84ad9c10711273c7ael-m4211195317s-w1280.jpg",
"rent_price": 1345.0,
"loan_amount": 31200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3920-Walker-Ave_Jackson_MS_39212_M72010-54504",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 39000.0,
"loan_term_years": 30,
"annual_cash_flow": 13476.72,
"mortgage_monthly": 207.57,
"payment_standard": 1790.0,
"total_amount_out": 7800.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 29.42,
"monthly_cash_flow": 1123.06,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Selected 'Electric' for a 4-bedroom unit. Property details list 'Central' heating and 'Electricity Available' with no mention of gas. Electric is the more expensive option compared to natural gas or a heat pump.",
"utility": "Heating",
"allowance": 64
},
{
"note": "Selected for a 4-bedroom unit. Property details list 'Central Air' under cooling systems.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Selected 'Electric' for a 4-bedroom unit. An oven is listed as provided, and electric service is confirmed. Electric is assumed as the fuel type in the absence of gas information.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Selected 'Electric' for a 4-bedroom unit. The fuel type for the water heater is not specified, so electric is assumed, consistent with other appliances and as the more expensive option.",
"utility": "Water Heating",
"allowance": 37
},
{
"note": "Selected for a 4-bedroom unit. Property details confirm connection to 'Public' water source.",
"utility": "Water",
"allowance": 116
},
{
"note": "Selected for a 4-bedroom unit. Property details confirm connection to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Selected based on the 4-bedroom rate. Trash collection is a standard tenant-paid utility for single-family homes.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Selected for a 4-bedroom unit. This is a standard allowance for general electricity consumption not covered by other categories.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Allowance is $0 because the property details explicitly state a 'Refrigerator' is provided by the landlord.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Selected for a 4-bedroom unit. The property details do not list a microwave as a provided appliance, so this allowance for a tenant-owned microwave applies.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 1.73,
"down_payment_amount": 7800.0,
"property_tax_annual": 696.28,
"property_tax_monthly": 58.02,
"property_tax_increase": 0.03,
"utility_allowance_total": 445.0,
"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": 10985.83,
"property_management_monthly": 134.5,
"monthly_cash_flow_after_debt": 915.49,
"cash_on_cash_return_after_debt": 1.41
},
"section8_assessment": {
"runs": [
{
"summary": "Based on the single exterior photo and listing text the property appears generally serviceable with mostly cosmetic and moderate repair issues. Key concerns are moisture staining at the foundation, tree overhang on the roof, and the inability to verify interior life-safety items (smoke/CO detectors, GFCI, egress windows) and mechanical systems (HVAC, water heater, electrical panel). Likely falls into 'minor repairs' category; probably rent-ready within ~30 days if interior systems and detectors are present and functional. Recommend a full interior inspection and basic mechanical testing prior to accepting for Section 8 tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photo shows an intact roofline and brick/ siding shell with some superficial deferred maintenance: moss/green staining at brick foundation, worn/older window blinds, cracked/uneven front walkway, and general yard neglect. No visible collapsed components, major siding failure, or missing structural elements. Missing interior photos prevent appliance and interior finish verification; missing appliances would moderately reduce score if confirmed but are not visible here. Overall condition suggests mostly cosmetic and minor repair needs (cleaning, window/trim touch-up, walkway repair) rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "From the exterior: entry door has a security screen which suggests a lock, and there is no visible exposed wiring or damaged steps. However key NSPIRE safety items cannot be confirmed from photos: presence/placement of smoke and CO detectors, GFCI outlets, bedroom egress windows, and interior trip hazards. Visible moss/efflorescence at foundation indicates potential moisture intrusion which can lead to mold risk. Large tree limbs overhang the roof (potential for roof debris/clogged gutters). Because several required safety items are unverified and there is evidence of moisture risk, score is moderate with some inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 55.0,
"rationale": "No HVAC condenser, water heater, or electrical panel are visible in the provided exterior image. Gas connection/regulator is visible at the right side of the house indicating fuel service present. Roof appears intact from the eye but is older — no active leaks visible in photo but tree cover raises risk of debris and premature wear. Given lack of visual access to HVAC, water heater, electrical panel and interior plumbing fixtures, assume moderate risk until systems are verified operational by testing; recommend mechanical inspection. Score reflects uncertainty and potential for medium-level repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Property has a continuous roof, carport/driveway, and fenced yard visible. Siding and brick appear serviceable though foundation brick shows green staining. Walkway shows cracking and yard is bare and compacted. Large mature trees close to the house may create gutter/roof maintenance needs and potential root/drainage issues. No obvious major foundation displacement or severe exterior structural failure seen from this angle. Overall, site is functional but needs cleanup and minor repairs."
}
],
"red_flags": [
"Moss/green staining at brick foundation indicating potential drainage or water intrusion risk (possible mold or ongoing moisture).",
"Large tree limbs overhanging roof — increased risk for roof damage, clogged gutters, and accelerated shingle wear."
],
"confidence": 0.5,
"assumptions": [
"Interior condition (floors, walls, ceilings, appliances, plumbing fixtures) is unknown; scoring assumes no catastrophic interior damage.",
"Smoke and carbon monoxide detectors, GFCI outlets, and proper bedroom egress are not visible in photos and are assumed to possibly be present but must be verified; lack of visible detectors reduced safety score.",
"HVAC, water heater, and electrical panel locations are not visible; assumed to be present and operational unless inspection indicates otherwise.",
"Listing statement 'tenant already in place' was noted but official rental_history_last_5y data is missing; rental_history_activity not applied.",
"Moss/green staining at foundation indicates moisture/drainage issues; assumed potential for elevated moisture risk that requires follow-up.",
"No interior evidence of lead-based paint, mold, or active leaks is visible; these remain possible given year built (1950) and must be tested/inspected."
],
"overall_score": 63.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Generally serviceable older single-family home with tenant in place and no visible catastrophic defects. Most issues appear to be cosmetic or maintenance-related (moss at foundation, aged walkway, tree overhang). Key NSPIRE items (smoke/CO detectors, GFCI, interior egress, HVAC and water heater condition, electrical panel) are not verifiable from photos and should be inspected; expect a moderate likelihood of passing an initial HCV inspection after 1-4 weeks of targeted fixes (detectors, GFCI, minor repairs).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Deferred Maintenance",
"score": 70.0,
"rationale": "Exterior photo shows an intact single-story home with mixed brick and siding, no visible collapsed or severely damaged elements. Visible issues are mostly cosmetic and maintenance-related: moss/green staining on brick foundation, aged window treatments, worn walkway, and general exterior weathering. Listing states 'well-maintained' and tenant in place, suggesting interior is likely serviceable. Because missing interior pictures could hide appliance or cosmetic needs, score reflects minor-to-moderate repairs (paint/cleaning, window/trim repair, walkway work) rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 55.0,
"rationale": "No life‑threatening hazards are visible (no sagging roof, collapsed ceilings, or exposed wiring). However critical safety items cannot be confirmed from the exterior photo: presence/placement of smoke and CO detectors, GFCI protection in kitchen/baths, bedroom egress window compliance, and condition of interior handrails. There is evidence of ground-level moisture staining on the brick base which raises moderate concern for dampness/mold. Security screen/door present at entry suggests a lock, but deadbolt location is not verifiable. Given unknowns and the age of the house (1950), assume some code‑level items will require verification or minor fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 60.0,
"rationale": "Roof shingles appear generally intact from the photo with no obvious sagging or missing large areas. No visible standing water or drainage failure at front. HVAC equipment, water heater, and electrical panel are not clearly visible in provided image; a small outdoor unit or gas meter may be present near the carport but cannot be confirmed. Given the property's age and tenant occupancy claim, systems are likely functioning but will need inspection and possible servicing or component replacement (HVAC tune-up, water heater verification, electrical panel check)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior envelope appears intact: brick and siding look generally serviceable, windows present, carport and driveway available. Concerns: overhanging trees directly above roof (increased debris and potential roof wear), moss/green staining at foundation base (moisture accumulation), and an uneven/aged front walkway (minor trip hazard). Yard has sparse groundcover which is low maintenance but could show drainage issues after heavy rain. No obvious signs of infestation, major foundation cracks, or collapsed exterior elements visible."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Interior condition not shown; assumed habitable given listing text 'well-maintained' and tenant occupancy, but may require typical cosmetic/cleaning work.",
"Smoke detectors, carbon monoxide alarms, and GFCI protection are not visible in exterior photo; conservatively assumed to be missing or in unknown condition and likely need verification or replacement.",
"HVAC, water heater, and electrical panel locations and ages are unknown; assumed operational but may require service or replacement given year built (1950).",
"No evidence of major structural movement or roof collapse in provided image; assumed foundation and roof are structurally sound absent interior/close-up inspection.",
"Listing statement 'tenant already in place' is treated as sufficient evidence of recent rental activity for the rental_history_activity criterion."
],
"overall_score": 63.0,
"rubric_version": "2026-02-16_v1"
},
{
"summary": "Based on exterior photos and listing text, this 1950 single‑family home appears generally serviceable and tenant‑occupied, with mostly cosmetic deferred maintenance (yard, trim, staining) and older systems likely but not visibly failed. Major safety or structural failures are not evident from the provided photo, but critical NSPIRE items (smoke/CO detectors, GFCI, bedroom egress, interior electrical/plumbing) are unverified and represent moderate inspection risk. With targeted, short‑term fixes and verification of detectors and GFCI/outlet placement, the property is likely to pass an initial HCV inspection after 1–4 weeks of preparatory work. Because the listing claims an existing tenant, rental activity bonus applied.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior front elevation appears intact with brick and siding in place; roof shingles look aged but without visible large failures. Visible deferred maintenance: moss/green staining at brick foundation, worn yard and walkway with surface cracking, faded shutters/trim. No interior photos to confirm flooring, cabinets, drywall or appliance condition; listing states an occupied, 'well-maintained' home which supports a moderate condition. Missing/old windows and trim may require painting or sealing. Overall deficiencies are mostly cosmetic/minor and repairable within a short timeline."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "From exterior photo there are no obvious life‑threatening hazards (no collapsed ceilings, no visible structural sagging, no standing water). However critical safety items cannot be verified from photos: presence and placement of smoke detectors/CO alarms, GFCI outlets in kitchen/bath, operable egress windows in bedrooms, entry deadbolt, and any exposed wiring. Tree canopy overhang near roof increases long‑term roof/gutter/debris risk. The age of the house (1950) raises potential lead‑based paint risk that requires disclosure/testing. Given limited visual evidence, there is moderate inspection risk (items likely present but must be confirmed and corrected)."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 65.0,
"rationale": "Roof appears intact from the provided angle with no visible major failures, but shingles are aged and should be inspected. No obvious collapsed or sagging roof. A utility area and what appears to be utility connections are visible at the right side (near carport), suggesting active services; tenant occupancy in listing implies systems are operational. No condenser or water heater is clearly visible; plumbing, heating/AC and water heater condition cannot be confirmed. Given tenant-occupied claim and lack of visible system failure, assume functional but older systems—medium likelihood of routine repairs or near-term maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior shows brick and siding in place, an intact carport and driveway, and an enclosed rear/side yard fence visible. Yard is worn with tree shade and leaf litter; walkway has surface cracks that could be trip hazards but not severe. Some moss/green staining at foundation brick indicates moisture exposure at grade—needs cleaning and further evaluation for drainage. No visible major foundation cracks, severe sinkage, or infestation evidence from the photo. Overall exterior is functional with minor-to-moderate maintenance needed."
}
],
"red_flags": [
"Potential lead‑based paint risk due to year built (1950) — requires disclosure/testing and remediation if deteriorated paint is present.",
"Moss/green staining at base of brick indicates moisture exposure at grade; potential for moisture intrusion or drainage issues that should be evaluated.",
"No interior evidence of required NSPIRE items (smoke/CO detectors, GFCI outlets) from provided materials — these must be confirmed and installed if missing."
],
"confidence": 0.55,
"assumptions": [
"Listing statement 'tenant already in place' is accurate and indicates recent occupancy and functioning basic systems (heat/AC, plumbing, hot water).",
"No interior photos provided; interior conditions (smoke detectors, GFCI, appliances, flooring, mold) are unknown and assumed typical for an occupied, 'well‑maintained' unit unless otherwise stated.",
"Roof appears intact from the photo; no active leaks or collapsed ceilings are present but an interior inspection is required to confirm.",
"Windows are assumed operable but may be older single‑pane units; bedroom egress is assumed present but must be verified.",
"No visible electrical hazards from exterior; electrical panel condition not visible and assumed serviceable pending inspection."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3920 Walker Ave, Jackson, MS, 39212",
"aggregate": {
"summary": "Based on the single exterior photo and listing text the property appears generally serviceable with mostly cosmetic and moderate repair issues. Key concerns are moisture staining at the foundation, tree overhang on the roof, and the inability to verify interior life-safety items (smoke/CO detectors, GFCI, egress windows) and mechanical systems (HVAC, water heater, electrical panel). Likely falls into 'minor repairs' category; probably rent-ready within ~30 days if interior systems and detectors are present and functional. Recommend a full interior inspection and basic mechanical testing prior to accepting for Section 8 tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photo shows an intact roofline and brick/ siding shell with some superficial deferred maintenance: moss/green staining at brick foundation, worn/older window blinds, cracked/uneven front walkway, and general yard neglect. No visible collapsed components, major siding failure, or missing structural elements. Missing interior photos prevent appliance and interior finish verification; missing appliances would moderately reduce score if confirmed but are not visible here. Overall condition suggests mostly cosmetic and minor repair needs (cleaning, window/trim touch-up, walkway repair) rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Property has a continuous roof, carport/driveway, and fenced yard visible. Siding and brick appear serviceable though foundation brick shows green staining. Walkway shows cracking and yard is bare and compacted. Large mature trees close to the house may create gutter/roof maintenance needs and potential root/drainage issues. No obvious major foundation displacement or severe exterior structural failure seen from this angle. Overall, site is functional but needs cleanup and minor repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 58.3,
"rationale": "From the exterior: entry door has a security screen which suggests a lock, and there is no visible exposed wiring or damaged steps. However key NSPIRE safety items cannot be confirmed from photos: presence/placement of smoke and CO detectors, GFCI outlets, bedroom egress windows, and interior trip hazards. Visible moss/efflorescence at foundation indicates potential moisture intrusion which can lead to mold risk. Large tree limbs overhang the roof (potential for roof debris/clogged gutters). Because several required safety items are unverified and there is evidence of moisture risk, score is moderate with some inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "No HVAC condenser, water heater, or electrical panel are visible in the provided exterior image. Gas connection/regulator is visible at the right side of the house indicating fuel service present. Roof appears intact from the eye but is older — no active leaks visible in photo but tree cover raises risk of debris and premature wear. Given lack of visual access to HVAC, water heater, electrical panel and interior plumbing fixtures, assume moderate risk until systems are verified operational by testing; recommend mechanical inspection. Score reflects uncertainty and potential for medium-level repairs."
}
],
"red_flags": [
"Moss/green staining at brick foundation indicating potential drainage or water intrusion risk (possible mold or ongoing moisture).",
"Large tree limbs overhanging roof — increased risk for roof damage, clogged gutters, and accelerated shingle wear."
],
"confidence": 0.93,
"assumptions": [
"Interior condition (floors, walls, ceilings, appliances, plumbing fixtures) is unknown; scoring assumes no catastrophic interior damage.",
"Smoke and carbon monoxide detectors, GFCI outlets, and proper bedroom egress are not visible in photos and are assumed to possibly be present but must be verified; lack of visible detectors reduced safety score.",
"HVAC, water heater, and electrical panel locations are not visible; assumed to be present and operational unless inspection indicates otherwise.",
"Listing statement 'tenant already in place' was noted but official rental_history_last_5y data is missing; rental_history_activity not applied.",
"Moss/green staining at foundation indicates moisture/drainage issues; assumed potential for elevated moisture risk that requires follow-up.",
"No interior evidence of lead-based paint, mold, or active leaks is visible; these remain possible given year built (1950) and must be tested/inspected."
],
"score_method": "mean_of_criteria",
"overall_score": 64.0,
"rubric_version": "nsPIRE-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7201054504"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.