Property ID: 7228101874
359 Cummins St, Jackson, MS, 39204
Jackson, MS
Money Down: $25,656
CoC Return: 3.31%
Monthly Cash Flow: $71
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,380
Closing Costs
$4,276
Total Down
$25,656
Investment Snapshot
Purchase Price
$106,900
Money Down
$25,656
Cash-on-Cash Return
3.31%
Rent
$790
Monthly Cash Flow
$71
Annual Cash Flow
$849
Debt Service / Mo
$569
Property Tax / Mo
$38
Insurance / Mo
$33
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$790
Payment Standard
$1,180
Rent
$790
Insurance
$33
Property Tax
$38
Management
$79
Utilities Allowance
$390
NOI (Monthly)
$640
Debt Service
$569
Cash Flow After Debt
$71
Quality Score: 81.10%
Confidence: 91.00%
Based on photos and the listing text (recent full renovation), this 4-bed single‑family appears close to Section 8/NSPIRE ready with mostly cosmetic and minor code items to address. Visible positives: updated flooring, fresh paint, new windows/doors per listing, new HVAC claimed, and modern kitchen appliances. Primary inspection uncertainties remain: verification of GFCI protection in kitchen/bath, presence and placement of CO detectors, egress windows for bedrooms, and documentation/condition of electrical panel and water heater. Addressing GFCI, CO alarm placement, and minor exterior/stoop repairs should produce a high likelihood of passing an initial HCV inspection within a short timeframe.
Section 8 Payment Standard
$1,180
Utility Allowance Total
$390
Guaranteed Section 8 Rent (PS - Utilities)
$790
Property Management
$79
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$106,900
Beds
4
Baths
3
Living Area
1,591 sqft
Lot Size
10,454 sqft
Year Built
1954
Days on Market
6
Capital Outlay
$25,656
Debt Service
$569
Property Tax / Mo
$38
Insurance / Mo
$33
Property Description
Fantastic Value in this Fully Renovated 4 bedroom 2 bath home. Beautifully remodeled, this spacious home is like new and move in ready. Beautiful new flooring throughout, new lighting and fans, new stainless-steel appliances, updated bathrooms, a new heating and air system, new windows and doors and just painted interior and exterior. The bedrooms are very spacious especially the master. Take a look you will love it!
Utility Allowances
Heating
$26
Property uses a Natural Gas forced air heating system, as stated in the listing details (resoFacts).
Cooking
$14
Property includes a 'Free-Standing Electric Range', as stated in the listing details (resoFacts).
Water Heating
$23
Property includes a 'Gas Water Heater', as stated in the listing details (resoFacts), and natural gas is connected.
Other Electric
$88
Standard allowance for a tenant's general electricity usage (lights, electronics, etc.).
Air Conditioning
$16
Property is equipped with 'Central Air' conditioning as per the listing details.
Water
$116
Property is connected to 'Public' water, as stated in the listing details.
Sewer
$70
Property is connected to 'Public Sewer', as stated in the listing details.
Trash Collection
$37
Standard allowance for trash collection service, assumed to be a tenant expense for a single-family home.
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$259
DP3 Annual Estimate$541
DP1 Monthly Equivalent$22
DP3 Monthly Equivalent$45
Replacement Value$12,208
Basis1,591 sqft / 1954
Nearby Houses
Photo unavailable
344 Cummins St
sold · 0.04 mi
Price: $50,000
3 bd / 2 ba · 1,184 sqft
Latest sale: — on Jul 26, 2024
Latest rent: —
Photo unavailable
335 Cummins St
sold · 0.05 mi
Price: $89,000
4 bd / 2 ba · 1,286 sqft
Latest sale: — on Jan 09, 2026
Latest rent: $900 on Oct 28, 2023
Photo unavailable
322 Colonial Dr
sold · 0.07 mi
Price: $100,000
4 bd / 2 ba · 2,185 sqft
Latest sale: — on Jun 14, 2024
Latest rent: —
Photo unavailable
405 Cummins St
sold · 0.08 mi
Price: $105,000
3 bd / 1 ba · 1,305 sqft
Latest sale: — on Dec 12, 2023
Latest rent: $1,110 on Apr 12, 2023
Photo unavailable
309 Alta Woods Blvd Unit A
off_market · 0.10 mi
Price: $1,295
5 bd / 2 ba
Latest sale: —
Latest rent: $1,295 on Sep 03, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that HVAC, windows, doors, and bathrooms are new is accurate; HVAC is operational (floor vents visible).
- A smoke alarm is present (round device visible in interior photo).
- No active roof leaks or structural sagging exist — roof appears intact in photos.
- Water heater and electrical panel exist and are serviceable though they are not shown in photos.
- Bedrooms have code-compliant egress windows (not visible in provided images).
- Kitchen outlet visible near sink may or may not be GFCI-protected; assume GFCI not verifiable from photos.
- Carbon monoxide alarms were not photographed; assume none visible and likely need confirmation/installation if fuel-burning appliances present.
- Interior bathrooms were renovated as stated in listing though not shown; assume plumbing fixtures function.
- Front stoop lacks a handrail; assume step height may trigger a requirement depending on local code/inspector interpretation.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $442 | $15,260 | $2,289 |
| 2023 | $440 | $15,260 | $2,289 |
| 2021 | $440 | $15,260 | $2,289 |
| 2020 | $431 | $15,040 | $2,256 |
| 2019 | $431 | $15,040 | $2,256 |
| 2018 | $424 | $14,960 | $2,244 |
| 2017 | $425 | $14,960 | $2,244 |
| 2016 | $413 | $14,960 | $2,244 |
| 2015 | $400 | $14,910 | $2,237 |
| 2014 | $964 | $35,980 | $5,397 |
| 2013 | $938 | $35,980 | $5,397 |
| 2012 | $938 | $35,980 | $5,397 |
| 2011 | $885 | $34,430 | $5,165 |
| 2010 | $879 | $34,430 | $5,165 |
| 2009 | $879 | $34,430 | $5,165 |
| 2008 | $879 | $30,830 | $4,625 |
| 2007 | $796 | $30,830 | $4,625 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-10 | Listed | $106,900 |
| 2011-05-03 | Listing removed | $14,900 |
| 2010-12-13 | Listed | $14,900 |
Photo Gallery
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{
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"assessment": {
"land": 1125,
"total": 2289,
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},
{
"tax": 440,
"year": 2023,
"market": {
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"total": 15260,
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"assessment": {
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{
"tax": 440,
"year": 2021,
"market": {
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"assessment": {
"land": 1125,
"total": 2289,
"building": 1164
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{
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"market": {
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"assessment": {
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"total": 2256,
"building": 1131
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},
{
"tax": 431,
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"market": {
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"total": 15040,
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"assessment": {
"land": 1125,
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"building": 1131
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{
"tax": 424,
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"market": {
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"total": 14960,
"building": 7460
},
"assessment": {
"land": 1125,
"total": 2244,
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},
{
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"market": {
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"assessment": {
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"building": 1119
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},
{
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"assessment": {
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{
"tax": 400,
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"total": 14910,
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"assessment": {
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{
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"market": {
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"assessment": {
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"total": 5397,
"building": 4272
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{
"tax": 938,
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"total": 35980,
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"assessment": {
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{
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"market": {
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"assessment": {
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"total": 5397,
"building": 4272
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{
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"market": {
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"total": 34430,
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"assessment": {
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"total": 5165,
"building": 4040
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{
"tax": 879,
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"market": {
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"total": 34430,
"building": 26930
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"assessment": {
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"total": 5165,
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{
"tax": 879,
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"market": {
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"total": 34430,
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"assessment": {
"land": 1125,
"total": 5165,
"building": 4040
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{
"tax": 879,
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"total": 30830,
"building": 23830
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"assessment": {
"land": 1050,
"total": 4625,
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},
{
"tax": 796,
"year": 2007,
"market": {
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"total": 30830,
"building": 23830
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"assessment": {
"land": 1050,
"total": 4625,
"building": 3575
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}
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{
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"listing": {
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"list_price": 14900,
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"days_after_listed": "141 days",
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{
"date": "2010-12-13",
"price": 14900,
"listing": {
"status": "off_market",
"list_date": "2010-12-13T15:16:00Z",
"list_price": 14900,
"listing_id": "524392335",
"last_update_date": "2011-05-03T16:56:00Z",
"last_status_change_date": "2011-05-03T16:56:00Z"
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"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "226500",
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],
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},
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"processing_status": {
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"eligible": true,
"min_score": 60.0,
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"zip_code": "39204",
"home_photo": "https://ap.rdcpix.com/992b49d6bc71398f057a241a65ef7532l-m3285092333s-w1280.jpg",
"rent_price": 790.0,
"loan_amount": 85520.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/359-Cummins-St_Jackson_MS_39204_M72281-01874",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 106900.0,
"loan_term_years": 30,
"annual_cash_flow": 7676.74,
"mortgage_monthly": 568.97,
"payment_standard": 1180.0,
"total_amount_out": 21380.0,
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"insurance_monthly": 33.33,
"monthly_cash_flow": 639.73,
"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 uses a Natural Gas forced air heating system, as stated in the listing details (resoFacts).",
"utility": "Heating",
"allowance": 26
},
{
"note": "Property includes a 'Free-Standing Electric Range', as stated in the listing details (resoFacts).",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Property includes a 'Gas Water Heater', as stated in the listing details (resoFacts), and natural gas is connected.",
"utility": "Water Heating",
"allowance": 23
},
{
"note": "Standard allowance for a tenant's general electricity usage (lights, electronics, etc.).",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Property is equipped with 'Central Air' conditioning as per the listing details.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Property is connected to 'Public' water, as stated in the listing details.",
"utility": "Water",
"allowance": 116
},
{
"note": "Property is connected to 'Public Sewer', as stated in the listing details.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Standard allowance for trash collection service, assumed to be a tenant expense for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
}
],
"cash_on_cash_return": 0.36,
"down_payment_amount": 21380.0,
"property_tax_annual": 455.26,
"property_tax_monthly": 37.94,
"property_tax_increase": 0.03,
"utility_allowance_total": 390.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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"effective_date": "2025-10-01"
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"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 849.14,
"property_management_monthly": 79.0,
"monthly_cash_flow_after_debt": 70.76,
"cash_on_cash_return_after_debt": 0.04
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"section8_assessment": {
"runs": [
{
"summary": "Based on photos and the listing text (recent full renovation), this 4-bed single‑family appears close to Section 8/NSPIRE ready with mostly cosmetic and minor code items to address. Visible positives: updated flooring, fresh paint, new windows/doors per listing, new HVAC claimed, and modern kitchen appliances. Primary inspection uncertainties remain: verification of GFCI protection in kitchen/bath, presence and placement of CO detectors, egress windows for bedrooms, and documentation/condition of electrical panel and water heater. Addressing GFCI, CO alarm placement, and minor exterior/stoop repairs should produce a high likelihood of passing an initial HCV inspection within a short timeframe.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show fresh paint, new-looking flooring, updated lighting/fans and clean finishes. Kitchen and appliances (stove, microwave, refrigerator) are present and appear new. Brick hearth/ fireplace is intact (appears cosmetic). Exterior paint looks recent. Visible minor items: front stoop has chipped concrete and could use patching, driveway has cracks and uneven areas, and some trim/cabinet edges show minor wear. Missing or broken appliance would moderately reduce score, but appliances are present and in good visual condition. Overall few visible deferred maintenance items."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 76.0,
"rationale": "No obvious life‑threatening hazards visible — no collapsed ceilings, major roof sag, exposed high‑voltage wiring or visible severe mold. A smoke detector is visible in the interior/kitchen area (round device over doorway). Carbon monoxide detector not visible in photos. Kitchen outlet near sink is visible but GFCI functionality not confirmed from photos. Entry door shows a security door; deadbolt not clearly visible but listing states new doors. Bedroom egress windows not verifiable from photos. Front stoop lacks a handrail on steps (potential minor code/inspection issue depending on step height). Plumbing fixtures at the kitchen sink look intact. Because some required items (CO alarm, verified GFCI, egress windows) are not clearly documented, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 80.0,
"rationale": "Listing states a new heating and air system and photos show floor vents, supporting an operational forced‑air system. Appliances and microwave are new; stove is electric. No visible water intrusion or roof sag in exterior images; roof surface appears aged but intact. Water heater and electrical panel are not shown; plumbing supply to laundry area visible in kitchen photo. Overall visible systems appear updated and serviceable, but lack of visible water heater/electrical panel documentation creates moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "House exterior and new fence appear in good condition and exterior paint looks recently applied. Yard is large but uneven and patchy grass could use grading/landscaping. Driveway and front walkway are cracked and uneven (trip hazard potential). Crawlspace vents and access panels present. No evidence of standing water or major foundation cracks in provided photos, though some cracking in concrete surfaces is evident. Overall typical minor exterior repairs needed."
}
],
"red_flags": [],
"confidence": 0.72,
"assumptions": [
"Listing statement that HVAC, windows, doors, and bathrooms are new is accurate; HVAC is operational (floor vents visible).",
"A smoke alarm is present (round device visible in interior photo).",
"No active roof leaks or structural sagging exist — roof appears intact in photos.",
"Water heater and electrical panel exist and are serviceable though they are not shown in photos.",
"Bedrooms have code-compliant egress windows (not visible in provided images).",
"Kitchen outlet visible near sink may or may not be GFCI-protected; assume GFCI not verifiable from photos.",
"Carbon monoxide alarms were not photographed; assume none visible and likely need confirmation/installation if fuel-burning appliances present.",
"Interior bathrooms were renovated as stated in listing though not shown; assume plumbing fixtures function.",
"Front stoop lacks a handrail; assume step height may trigger a requirement depending on local code/inspector interpretation."
],
"overall_score": 80.0,
"rubric_version": "ns-pire-2026-02-16-v1"
},
{
"summary": "This appears to be a well‑renovated 4BR single‑family home that is close to turnkey for Section 8 / HCV initial inspection. Interior and exterior cosmetic work looks recently completed, appliances and HVAC are claimed new and photos show working fixtures. The main NSPIRE uncertainties are documentation and location/coverage of smoke/CO alarms, confirmation of GFCI protection in kitchen/bath, and unseen service items (electrical panel, water heater). These are likely easy-to-fix items if missing. Estimated readiness: minor repairs/verification should make the property inspection‑passable within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic renovation: new-looking flooring, painted walls, updated lighting and fans, tiled kitchen counters and floors, and new/like-new appliances (stove, microwave, refrigerator). Exterior shows fresh paint and a new wooden side fence. Minor observable defects: front stoop finish is chipped and could use patching, driveway has surface cracks and uneven patches that may be trip hazards if not addressed, and the fireplace hearth is unfinished/older brick (appears decorative). No major visible drywall damage, flooring failure, or heavy deferred maintenance. Missing/older-looking items are cosmetic or small capital repairs — likely easy to fix within a few days to a couple weeks."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 75.0,
"rationale": "No obvious life‑threatening hazards visible: no collapsed ceilings, visible exposed wiring, major foundation cracks, or standing water. A smoke detector is visible in a photo above the kitchen area which indicates alarms present, exterior doors include a metal security door with a lock (likely deadbolt). Bedroom egress is likely provided by multiple windows shown in photos. Uncertainties that reduce score: no clear photo evidence of smoke detectors in each sleeping area or interconnection, no visible carbon monoxide alarm (noting the home appears to have electric range, but heating source unknown), and GFCI protection at kitchen sink receptacles is not clearly identifiable in photos. These missing confirmations are common NSPIRE failure points but may be present; if absent they are straightforward to remedy but could cause an initial fail."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 80.0,
"rationale": "Listing claims a new heating and air system and photos show a register in the kitchen and central HVAC vents in living area (indicating forced air). Appliances are new-style stainless units. Roof appears intact from photos with no visible sagging or active leaks, and crawlspace/vent openings are present. Unknowns: electrical panel condition and age not shown, hot water heater not pictured, and no direct evidence of plumbing/drain integrity beyond visible kitchen sink and hookups. Based on the listing claiming new HVAC and visible vents/appliances, systems likely in good condition but verification (panel, water heater, HVAC installation paperwork) recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior photos show a full‑width single‑story home with recently painted siding/brick skirt and a new wooden side fence. Yard is cleared though uneven in spots and shows some bare patches; no standing water observed. Rear steps have a metal handrail; front entry has 2 small steps (handrail not required for low rise). Driveway is serviceable but has cracking/patches and could use sealing/repair to reduce trip hazards and water intrusion near foundation. Overall curb appeal and envelope appear serviceable after renovation but minor site work recommended."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statements are accurate: HVAC system, windows, doors, interior & exterior paint, and bathroom updates are recent and functional.",
"Appliances shown (stove, microwave, refrigerator) are installed and operational; stove is electric (no gas appliances visible).",
"Smoke detector visible in photos is functional; additional smoke detectors and CO alarms may be present but are not photographed.",
"No active roof leaks, major plumbing leaks, or hidden structural issues exist beyond what is visible in photos.",
"Electrical panel and GFCI protection exist and are functional, though not pictured; if GFCI devices are absent they will need installation.",
"Water heater is present and functioning though not shown in photos."
],
"overall_score": 80.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on listing claims and the provided photos, this 4-bed renovated single-family home appears largely turnkey for a Housing Choice Voucher inspection. Interiors are recently renovated with working kitchen appliances and visible HVAC vents; safety risks visible in photos are minimal. Unverified items that would be confirmed on an inspection: number and placement of smoke/CO detectors, electrical panel condition, water heater presence/operation, and roof/gutter condition. Expect a high likelihood of passing an initial NSPIRE/HCV inspection after verifying detectors and any required minor exterior repairs (driveway/stoop).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Interior photos and listing show a full recent renovation: new flooring, painted interior/exterior, updated bathrooms, and new stainless appliances. Floors, cabinets and tile counters appear in good condition. Minor observable items: front stoop concrete is chipped and could use patching; small cosmetic scuffs on trim/paint in a few photos. Missing appliances are not an issue here because refrigerator, range and microwave are shown. Overall only minor cosmetic/finish work likely required."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 85.0,
"rationale": "No obvious life-threatening hazards seen. Photos show ceiling-mounted detector (kitchen area) and functioning outlets; kitchen outlet near sink appears to be a GFCI-style device (not fully confirmed). Entry has a metal security door and deadbolt appears present in front view. Windows look large enough for egress in bedrooms. No exposed wiring, active leaks, collapsed ceilings, severe visible mold, or major foundation cracks are visible. Unconfirmed items: exact location/count of smoke detectors for each sleeping area, presence of CO alarm (likely not required with electric range but unknown), and electrical panel condition. These unknowns reduce score slightly."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 80.0,
"rationale": "Listing states a new heating and air system and photos show floor vents and new appliances (microwave, range, refrigerator). No visible signs of HVAC failure, roof sagging, or major plumbing leaks. Water heater is not pictured and the electrical panel is not shown, so their condition is assumed to be functional but unverified. The roof appears intact from photos but only limited vantage is available. Because major systems are reported new but some components are unverified, score is slightly reduced."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior paint and new windows/doors are noted in the listing and appear in photos. Yard is clear and fenced on sides; rear shows steps with railings. Driveway has cracking and wear and there is a small patch of bare soil in the front yard; grading appears typical but long-term drainage/gutter condition not visible. Roof appears level without obvious open penetrations but age cannot be fully assessed from provided photos. Overall exterior sound but some site/driveway repairs and final grading/clean-up recommended."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing is accurate that HVAC system and windows/doors are new and operational.",
"The round ceiling device visible in the kitchen photo is a working smoke detector; additional detectors (required in/near sleeping areas) are present though not pictured.",
"Kitchen outlet near the sink is a GFCI-protected receptacle or GFCI protection is provided at the breaker (GFCI not fully confirmed).",
"Range is electric (photos show electric coils) so CO alarm requirements from gas appliances are not triggered; no gas appliances present inside.",
"Water heater, electrical panel, and plumbing drains are functional but not pictured; no hidden active leaks are present based on lack of visible staining or mold in photos.",
"Front stoop has only cosmetic concrete damage and does not create a required handrail condition (steps appear low)."
],
"overall_score": 84.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "359 Cummins St, Jackson, MS, 39204",
"aggregate": {
"summary": "Based on photos and the listing text (recent full renovation), this 4-bed single‑family appears close to Section 8/NSPIRE ready with mostly cosmetic and minor code items to address. Visible positives: updated flooring, fresh paint, new windows/doors per listing, new HVAC claimed, and modern kitchen appliances. Primary inspection uncertainties remain: verification of GFCI protection in kitchen/bath, presence and placement of CO detectors, egress windows for bedrooms, and documentation/condition of electrical panel and water heater. Addressing GFCI, CO alarm placement, and minor exterior/stoop repairs should produce a high likelihood of passing an initial HCV inspection within a short timeframe.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.7,
"rationale": "Interior photos show fresh paint, new-looking flooring, updated lighting/fans and clean finishes. Kitchen and appliances (stove, microwave, refrigerator) are present and appear new. Brick hearth/ fireplace is intact (appears cosmetic). Exterior paint looks recent. Visible minor items: front stoop has chipped concrete and could use patching, driveway has cracks and uneven areas, and some trim/cabinet edges show minor wear. Missing or broken appliance would moderately reduce score, but appliances are present and in good visual condition. Overall few visible deferred maintenance items."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "House exterior and new fence appear in good condition and exterior paint looks recently applied. Yard is large but uneven and patchy grass could use grading/landscaping. Driveway and front walkway are cracked and uneven (trip hazard potential). Crawlspace vents and access panels present. No evidence of standing water or major foundation cracks in provided photos, though some cracking in concrete surfaces is evident. Overall typical minor exterior repairs needed."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 78.7,
"rationale": "No obvious life‑threatening hazards visible — no collapsed ceilings, major roof sag, exposed high‑voltage wiring or visible severe mold. A smoke detector is visible in the interior/kitchen area (round device over doorway). Carbon monoxide detector not visible in photos. Kitchen outlet near sink is visible but GFCI functionality not confirmed from photos. Entry door shows a security door; deadbolt not clearly visible but listing states new doors. Bedroom egress windows not verifiable from photos. Front stoop lacks a handrail on steps (potential minor code/inspection issue depending on step height). Plumbing fixtures at the kitchen sink look intact. Because some required items (CO alarm, verified GFCI, egress windows) are not clearly documented, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 80.0,
"rationale": "Listing states a new heating and air system and photos show floor vents, supporting an operational forced‑air system. Appliances and microwave are new; stove is electric. No visible water intrusion or roof sag in exterior images; roof surface appears aged but intact. Water heater and electrical panel are not shown; plumbing supply to laundry area visible in kitchen photo. Overall visible systems appear updated and serviceable, but lack of visible water heater/electrical panel documentation creates moderate uncertainty."
}
],
"red_flags": [],
"confidence": 0.91,
"assumptions": [
"Listing statement that HVAC, windows, doors, and bathrooms are new is accurate; HVAC is operational (floor vents visible).",
"A smoke alarm is present (round device visible in interior photo).",
"No active roof leaks or structural sagging exist — roof appears intact in photos.",
"Water heater and electrical panel exist and are serviceable though they are not shown in photos.",
"Bedrooms have code-compliant egress windows (not visible in provided images).",
"Kitchen outlet visible near sink may or may not be GFCI-protected; assume GFCI not verifiable from photos.",
"Carbon monoxide alarms were not photographed; assume none visible and likely need confirmation/installation if fuel-burning appliances present.",
"Interior bathrooms were renovated as stated in listing though not shown; assume plumbing fixtures function.",
"Front stoop lacks a handrail; assume step height may trigger a requirement depending on local code/inspector interpretation."
],
"score_method": "mean_of_criteria",
"overall_score": 81.1,
"rubric_version": "ns-pire-2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7228101874"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.