445 E Ridgeway St, Jackson, MS, 39206
Jackson, MS
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 62.90%
Confidence: 95.00%
Overall the property looks mostly cosmetically updated inside and structurally intact in photos, but several important inspection items are unknown or show wear. The biggest concerns are an aged roof (visible wear/staining), lack of photographed kitchen/bath and major mechanicals, and no visible smoke/CO detectors. These result in moderate NSPIRE/code risk but are likely correctable within a short scope of repairs and verification. Estimated likely outcome: with modest repairs/verification (install detectors, confirm/repair HVAC, check electrical/GFCI, supply appliances if missing, roof repairs as needed) the home could pass an initial HCV/NSPIRE inspection within 30 days. Recommend a professional systems inspection before listing for voucher tenancy.
Property Fundamentals
Property Description
Bank Owned Property. Owner will consider financing upon request.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos are representative of current property condition and taken within the last year (dates on images show 2025).
- No kitchen or bathroom interior photos provided → appliances, hot water, and plumbing operational status are unknown; assume appliances may be missing or unverified.
- Central HVAC exists (visible ceiling vent) but operational status and age are unknown.
- No smoke detectors or CO alarms were visible in the photographed rooms; assume they are absent or not installed in required locations until verified.
- Electrical panel, GFCI protection, and water heater locations are not shown and are assumed unverified.
- Roof shows significant aging/staining but no obvious collapse or sagging in photos; assume no active interior leaks visible at time of photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $983 | $64,520 | $6,452 |
| 2023 | $977 | $64,520 | $6,452 |
| 2021 | $1,862 | $64,520 | $9,678 |
| 2020 | $1,840 | $64,150 | $9,623 |
| 2019 | $1,842 | $64,150 | $9,623 |
| 2018 | $1,822 | $64,150 | $9,623 |
| 2017 | $1,822 | $64,150 | $9,623 |
| 2016 | $1,774 | $64,150 | $9,623 |
| 2015 | $1,701 | $63,360 | $9,504 |
| 2014 | $1,699 | $63,360 | $9,504 |
| 2013 | $1,617 | $62,020 | $9,303 |
| 2012 | $1,617 | $62,020 | $9,303 |
| 2011 | $1,507 | $58,650 | $8,798 |
| 2010 | $1,498 | $58,650 | $8,798 |
| 2009 | $1,498 | $58,650 | $8,798 |
| 2008 | $1,498 | $39,770 | $5,966 |
| 2007 | $1,026 | $39,770 | $5,966 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-10-08 | Sold | — |
| 2017-05-11 | Sold | — |
Photo Gallery
Show raw JSON (debug)
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/445-E-Ridgeway-St_Jackson_MS_39206_M72068-55396",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 115000.0,
"loan_term_years": 30,
"annual_cash_flow": 11293.31,
"mortgage_monthly": 612.08,
"payment_standard": 1530.0,
"total_amount_out": 23000.0,
"additional_photos": [
"https://ap.rdcpix.com/50752a5b7b01f3faefa0d06371aeeaeel-m3852158250s-w1280.jpg",
"https://ap.rdcpix.com/50752a5b7b01f3faefa0d06371aeeaeel-m3737954877s-w1280.jpg",
"https://ap.rdcpix.com/50752a5b7b01f3faefa0d06371aeeaeel-m75276173s-w1280.jpg",
"https://ap.rdcpix.com/50752a5b7b01f3faefa0d06371aeeaeel-m1922370898s-w1280.jpg",
"https://ap.rdcpix.com/50752a5b7b01f3faefa0d06371aeeaeel-m2094316886s-w1280.jpg",
"https://ap.rdcpix.com/50752a5b7b01f3faefa0d06371aeeaeel-m1486430611s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 46.42,
"monthly_cash_flow": 941.11,
"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": "Property has Central Air cooling, which is a standard tenant-paid utility for this housing type.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Property details specify an 'Electric Range', so the electric cooking allowance was selected.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Property details specify 'Natural Gas' for heating, so the natural gas heating allowance was selected.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Standard allowance for general electricity usage (lights, outlets) in a residential unit of this size.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Allowance for a tenant-owned range and microwave, as the property being bank-owned does not explicitly guarantee they are provided by the landlord.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Allowance for a tenant-owned refrigerator, as the property being bank-owned does not explicitly guarantee one is provided by the landlord.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Property is connected to public sewer as per the listing details.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Inferred as a standard tenant responsibility for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property is connected to a public water source as per the listing details.",
"utility": "Water",
"allowance": 104
},
{
"note": "Inferred to use natural gas, consistent with the property's primary heating fuel.",
"utility": "Water Heating",
"allowance": 18
}
],
"cash_on_cash_return": 0.49,
"down_payment_amount": 23000.0,
"property_tax_annual": 1012.49,
"property_tax_monthly": 84.37,
"property_tax_increase": 0.03,
"utility_allowance_total": 339.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/pdr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3948.37,
"property_management_monthly": 119.1,
"monthly_cash_flow_after_debt": 329.03,
"cash_on_cash_return_after_debt": 0.17
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property looks mostly cosmetically updated inside and structurally intact in photos, but several important inspection items are unknown or show wear. The biggest concerns are an aged roof (visible wear/staining), lack of photographed kitchen/bath and major mechanicals, and no visible smoke/CO detectors. These result in moderate NSPIRE/code risk but are likely correctable within a short scope of repairs and verification. Estimated likely outcome: with modest repairs/verification (install detectors, confirm/repair HVAC, check electrical/GFCI, supply appliances if missing, roof repairs as needed) the home could pass an initial HCV/NSPIRE inspection within 30 days. Recommend a professional systems inspection before listing for voucher tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior photos show recently painted walls, intact trim, and new-looking flooring — cosmetic condition is generally good. Exterior siding appears intact. Observable deferred items: aged roof with dark streaks and some localized wear, small front awning appears worn/sagging, front steps and stair paint worn. Listing is bank-owned (as-is) and no kitchen/bath photos provided; absence of visible appliances reduces readiness moderately. These are mostly cosmetic or capital-repair tasks (roof evaluation/partial replacement, replace awning, verify/replace appliances)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No visible smoke or CO detectors in photos (inspector will require functioning smoke detectors in hallways/bedrooms and CO where required). Bedroom windows appear to be double-hung and large enough for egress based on photos, but exact clear opening not verified. Entry has a security door; deadbolt presence not confirmed. Stair has a handrail but stairs are narrow/steep and should be checked for secure mounting and riser/tread uniformity. No obvious exposed wiring, collapsed ceilings, severe mold, or major foundation cracks visible. GFCI outlets, electrical panel condition, and hot water/working plumbing not shown and must be verified. Overall moderate risk for code items that are likely fixable but will require inspection verification and minor corrective work."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 55.0,
"rationale": "A ceiling supply/return register is visible indicating central HVAC presence, but no evidence of operational status or age. Roof shows visible wear and staining — potential near-term replacement or repair required. No photos of electrical panel, water heater, plumbing fixtures, or kitchen appliances; these unknowns reduce score. No visible active leaks or ceiling sagging in interior photos. Systems condition is uncertain and represents moderate inspection risk until mechanicals are verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Front and rear yards are serviceable but slightly overgrown; walkways and driveway visible though narrow. Siding and foundation vents appear intact; no obvious major foundation movement or large settlement cracks seen. Detached garage roof shows wear. Yard appears to drain adequately but gutter/downspout details not shown. Site issues are largely manageable maintenance items."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Photos are representative of current property condition and taken within the last year (dates on images show 2025).",
"No kitchen or bathroom interior photos provided → appliances, hot water, and plumbing operational status are unknown; assume appliances may be missing or unverified.",
"Central HVAC exists (visible ceiling vent) but operational status and age are unknown.",
"No smoke detectors or CO alarms were visible in the photographed rooms; assume they are absent or not installed in required locations until verified.",
"Electrical panel, GFCI protection, and water heater locations are not shown and are assumed unverified.",
"Roof shows significant aging/staining but no obvious collapse or sagging in photos; assume no active interior leaks visible at time of photos."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 1939 single-family home presents as cosmetically updated inside with intact floors and paint, and an apparently serviceable envelope. Primary inspection risks are lack of visible smoke/CO detectors, potential lead-based paint (pre-1978 construction), an aged roof showing staining and wear, and limited visibility of major systems (water heater, electrical panel, HVAC operational condition). Most items appear repairable within a typical renovation scope; however installing/confirming smoke detectors, addressing uncovered outlets, and an assessment/likely replacement of the roof (or near-term repairs) are recommended before a Housing Choice Voucher initial inspection. Estimated time to pass NSPIRE if systems are functional and detectors/plate covers are installed: 2–6 weeks for minor work; longer if roof or unseen systems require repair.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior pictures show recently painted walls, intact flooring (laminate/vinyl) and generally clean rooms — indicates cosmetic refresh completed. Visible issues are exterior awning corrosion, aged roof shingles with staining, and minor yard overgrowth. Stair treads are painted and worn but intact. No kitchen or bath photos provided so missing appliances/bathroom fixtures cannot be confirmed; missing appliances would be a moderate deduction but not catastrophic. Overall appears mostly cosmetic with some exterior items needing attention."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (NSPIRE requires functioning smoke detectors in sleeping areas/hallways) — this is a likely inspection failure if absent. Egress windows look present in bedrooms but egress dimensions not verified from photos. Stair is steep/narrow but has a handrail on one side; treads are painted which can be slippery. An uncovered electrical outlet or plate appears visible in a bedroom/living area (small uncovered junction/outlet) — potential electrical hazard. House built in 1939 creates lead-paint risk unless remediated; no lead-safe documentation is provided. No visible active leaks, collapsed ceilings, or standing water in photos. Overall moderate risk for NSPIRE without simple fixes (detectors, outlet covers, verify egress)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.0,
"rationale": "A ceiling vent is visible indicating central heating/cooling ducting and likely HVAC present, but operational status not documented. No photos of water heater, electrical panel, or plumbing fixtures; unknown condition. Roof shows discoloration, staining and some worn areas consistent with near end-of-life shingles — may require replacement within a few years; no visible active roof collapse. Drainage piping and a downspout extension present in backyard suggest basic drainage management. Given visible HVAC vent but aged roof and unknown water heater/electrical, score reflects moderate uncertainty and need for standard system checks."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Siding and exterior paint appear intact with no obvious large sections of rot visible in photos. Front yard is sloped to street, somewhat overgrown; walkway and driveway present though narrow. Detached/attached garage roof shows wear. Foundation vents visible indicating crawlspace; no visible major foundation settling or large cracks from exterior photos. Some debris/yard cleanup and minor exterior maintenance needed but overall envelope appears intact."
}
],
"red_flags": [
"Potential lead-based paint risk (house built 1939) — disclosure or remediation documentation not provided.",
"No visible smoke detectors or CO alarms in interior photos — likely NSPIRE failure if not installed.",
"Aged roof with staining and worn shingles — roof likely near end of service life and may require replacement/repair.",
"Uncovered outlet / exposed electrical box visible in interior photo — potential electrical hazard that must be corrected.",
"Steep, narrow painted stairs with only one handrail — potential safety/egress issue, slippery painted treads."
],
"confidence": 0.55,
"assumptions": [
"Photos are recent and representative of current condition (timestamps in photos are 2025).",
"Central HVAC is present (ceiling vent visible) and likely operational, but not confirmed functional.",
"Water heater, electrical panel, and kitchen appliances are present but not photographed; their condition is unknown.",
"No active roof leaks are visible in interior photos as there are no stains on ceilings; roof is assumed to be aged but not currently leaking.",
"Bedrooms have operable windows providing egress, but exact dimensions and escape routes are not measured from photos.",
"No asbestos or severe hidden mold is present unless discovered on-site; however, pre-1978 construction implies potential lead-based paint unless remediated.",
"Missing smoke/CO detectors are assumed absent as none are visible in interior photos."
],
"overall_score": 63.0,
"rubric_version": "2026-02-16_v1"
},
{
"summary": "Moderate inspection risk but generally repairable: interior appears cosmetically updated and largely clean, but there are key unknowns that could cause an initial HCV failure (no visible smoke/CO detectors, unverified GFCI outlets and electrical panel, and roof showing wear/staining suggesting possible leaks). Expect to clear most Section 8/NSPIRE items with targeted fixes (install detectors, secure loose wiring, verify/repair roof as needed, confirm HVAC and water heater operation). Likely rent-ready within 30 days if mechanical items check out; if the roof or mechanical systems need major repair, time to pass increases.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior photos show recently painted walls, intact flooring (laminate / replacement carpet) and generally clean rooms — indicates cosmetic refresh recently completed. Observable minor deferred items: front awning/porch trim looks damaged, small yard cleanup needed, driveway/walkway edge wear. No major interior structural deterioration visible (no collapsed ceilings, large holes, or exposed subfloor). Kitchen and bathrooms are not photographed so missing appliance/equipment status is unknown; absence of visible appliances reduces score moderately but is not treated as catastrophic. Overall mostly cosmetic and minor repair work expected."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No visible smoke detectors or CO detectors in photos (required) and not shown in bedrooms or hallways — inspection risk. Windows appear intact and multiple windows in bedrooms provide likely egress, but egress compliance cannot be fully confirmed from photos. Front entry has a security door and a deadbolt likely present (security door visible) which is positive. No obvious exposed high-voltage wiring; there is a loose cable visible on living room floor which needs securing. Stair has a handrail on one side but is narrow — may pass but requires secure handrail. Electrical panel, GFCI outlets in kitchen/baths, hot water availability and plumbing operation are not shown; these items therefore represent inspection risk and reduce the score. No visible active water intrusion, collapsed ceilings, or severe mold observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 55.0,
"rationale": "Ceiling vents are visible in living areas indicating a central HVAC duct system is present, but no HVAC unit or water heater is shown — operability unknown. Roof shows visible staining, dark streaks and areas that appear worn, especially on the front slope and over the garage; this suggests aging shingles and potential for leaks — a significant systems risk. Electrical panel and water heater photos are absent; plumbing fixtures and hot water not shown. Given the house age (1939) but observable interior updates, systems may be partially upgraded; however roof condition and lack of verification of mechanical equipment reduce score to moderate."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 65.0,
"rationale": "Siding appears painted and largely intact with no large visible holes. Front yard grading slopes to the street; there is a concrete walkway and a driveway leading to a detached garage — both appear serviceable though the driveway is narrow. Backyard looks level and usable. Vegetation is moderate and would benefit from cleanup. Garage roof/attached side roof shows heavier staining and wear. No obvious foundation heave or major exterior structural cracks visible from photos. Curb appeal is fair but manageable with routine exterior maintenance."
}
],
"red_flags": [
"Roof shows heavy wear/staining and areas of probable shingle deterioration — potential active or future leaks.",
"No visible smoke detectors or CO alarms in interior photos — likely NSPIRE failure without installation.",
"Electrical condition not verified: electrical panel not shown and loose cable observed on living room floor — potential electrical safety issue.",
"Stairs are narrow with a single handrail and may require verification for secure mounting and safe rise/run."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC exists because ceiling vents are visible; assumed functional until proven otherwise but not verified in photos.",
"Plumbing and hot water are present and likely functional (bathrooms listed) though not photographed; assumed operational for scoring but would need verification.",
"Windows shown in bedrooms provide required egress-size openings or can be made compliant with minor work.",
"No major unseen structural issues (foundation movement, hidden mold, or termite damage) beyond what is visible; if present, these would materially lower scores.",
"Kitchen appliances (stove/fridge) are not shown; absence assumed possible but treated as a moderate, fixable deficiency rather than an immediate failure.",
"Electrical panel location and condition are unknown; assume standard modern panel exists given other interior updates but recognize inspection risk."
],
"overall_score": 63.0,
"rubric_version": "nsPIRE_v1_property_snapshot_2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "445 E Ridgeway St, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall the property looks mostly cosmetically updated inside and structurally intact in photos, but several important inspection items are unknown or show wear. The biggest concerns are an aged roof (visible wear/staining), lack of photographed kitchen/bath and major mechanicals, and no visible smoke/CO detectors. These result in moderate NSPIRE/code risk but are likely correctable within a short scope of repairs and verification. Estimated likely outcome: with modest repairs/verification (install detectors, confirm/repair HVAC, check electrical/GFCI, supply appliances if missing, roof repairs as needed) the home could pass an initial HCV/NSPIRE inspection within 30 days. Recommend a professional systems inspection before listing for voucher tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior photos show recently painted walls, intact trim, and new-looking flooring — cosmetic condition is generally good. Exterior siding appears intact. Observable deferred items: aged roof with dark streaks and some localized wear, small front awning appears worn/sagging, front steps and stair paint worn. Listing is bank-owned (as-is) and no kitchen/bath photos provided; absence of visible appliances reduces readiness moderately. These are mostly cosmetic or capital-repair tasks (roof evaluation/partial replacement, replace awning, verify/replace appliances)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Front and rear yards are serviceable but slightly overgrown; walkways and driveway visible though narrow. Siding and foundation vents appear intact; no obvious major foundation movement or large settlement cracks seen. Detached garage roof shows wear. Yard appears to drain adequately but gutter/downspout details not shown. Site issues are largely manageable maintenance items."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 58.3,
"rationale": "No visible smoke or CO detectors in photos (inspector will require functioning smoke detectors in hallways/bedrooms and CO where required). Bedroom windows appear to be double-hung and large enough for egress based on photos, but exact clear opening not verified. Entry has a security door; deadbolt presence not confirmed. Stair has a handrail but stairs are narrow/steep and should be checked for secure mounting and riser/tread uniformity. No obvious exposed wiring, collapsed ceilings, severe mold, or major foundation cracks visible. GFCI outlets, electrical panel condition, and hot water/working plumbing not shown and must be verified. Overall moderate risk for code items that are likely fixable but will require inspection verification and minor corrective work."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 56.7,
"rationale": "A ceiling supply/return register is visible indicating central HVAC presence, but no evidence of operational status or age. Roof shows visible wear and staining — potential near-term replacement or repair required. No photos of electrical panel, water heater, plumbing fixtures, or kitchen appliances; these unknowns reduce score. No visible active leaks or ceiling sagging in interior photos. Systems condition is uncertain and represents moderate inspection risk until mechanicals are verified."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Photos are representative of current property condition and taken within the last year (dates on images show 2025).",
"No kitchen or bathroom interior photos provided → appliances, hot water, and plumbing operational status are unknown; assume appliances may be missing or unverified.",
"Central HVAC exists (visible ceiling vent) but operational status and age are unknown.",
"No smoke detectors or CO alarms were visible in the photographed rooms; assume they are absent or not installed in required locations until verified.",
"Electrical panel, GFCI protection, and water heater locations are not shown and are assumed unverified.",
"Roof shows significant aging/staining but no obvious collapse or sagging in photos; assume no active interior leaks visible at time of photos."
],
"score_method": "mean_of_criteria",
"overall_score": 62.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7206855396"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.