Property ID: 7232241542

5145 Gault St, Jackson, MS, 39209

Jackson, MS

For Sale Feb 16, 2026 11:05 PM UTC Realtor Zillow Street View
Money Down: $23,760 CoC Return: 13.58% Monthly Cash Flow: $269
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,800
Closing Costs
$3,960
Total Down
$23,760
Primary property image

Investment Snapshot

Purchase Price
$99,000
Money Down
$23,760
Cash-on-Cash Return
13.58%
Rent
$1,001
Monthly Cash Flow
$269
Annual Cash Flow
$3,227
Debt Service / Mo
$527
Property Tax / Mo
$73
Insurance / Mo
$33

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,001
Payment Standard
$1,380
Rent
$1,001
Insurance
$33
Property Tax
$73
Management
$100
Utilities Allowance
$379
NOI (Monthly)
$796
Debt Service
$527
Cash Flow After Debt
$269

Quality Score: 80.10%

Confidence: 94.00%

Well-remodeled 3BR/2BA showing modern finishes and no visible life-safety defects in photos. Likely to pass an initial Housing Choice Voucher/NSPIRE inspection with minor verification tasks and simple fixes (confirm/install CO alarm and GFCI where required, verify hot water and electrical panel, tighten/maintain deck stairs). Estimated rent-ready timeline: within 1-4 weeks depending on verification and any small repairs.

Section 8 Payment Standard
$1,380
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,001
Property Management
$100

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$99,000
Beds
3
Baths
2
Living Area
1,180 sqft
Lot Size
6,970 sqft
Year Built
1956
Days on Market
13
Capital Outlay
$23,760
Debt Service
$527
Property Tax / Mo
$73
Insurance / Mo
$33

Property Description

Welcome home to this charming, fully remodeled 3-bedroom, 2-bath single-family residence in Jackson, MS. Thoughtfully updated throughout, this move-in-ready home offers modern finishes and functional living spaces ideal for today's lifestyle. The kitchen features stainless steel appliances and flows seamlessly into the main living areas. Additional highlights include a dedicated laundry room, a rear deck perfect for outdoor entertaining, and a generously sized backyard with plenty of room to relax or host guests. Whether you're a first-time homebuyer or an investor seeking a strong addition to your rental portfolio, this property checks all the boxes. Priced to sell-schedule your private showing today!

Utility Allowances

Heating
$50
Property has 'Central' heating. The fuel source was not specified, so 'Electric' was chosen as it is consistent with the other electric appliances listed.
Cooking
$11
Property data explicitly lists 'Electric Cooktop' as an appliance, so the 'Electric' option was selected.
Water Heating
$29
The water heater fuel type was not specified. 'Electric' was assumed to be consistent with the electric cooktop.
Other Electric
$69
This is a standard baseline allowance for general tenant electricity usage, such as lights and outlets.
Air Conditioning
$12
The property is listed as having 'Central Air', so this fixed allowance is included.
Water
$104
The property is listed as having 'Public' water service.
Sewer
$60
The property is listed as being connected to a 'Public Sewer' system.
Trash Collection
$37
This is a standard utility for single-family homes and is assumed to be a tenant expense.
Refrigerator
$4
The property's detailed appliance list does not explicitly include a refrigerator, so it is treated as a tenant-owned appliance per the instructions.
Range/Microwave
$3
Allowance included for the tenant's cost of energy for using a range and microwave.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$380
DP3 Annual Estimate$401
DP1 Monthly Equivalent$32
DP3 Monthly Equivalent$33
Replacement Value$24,670
Basis1,180 sqft / 1956

Nearby Houses

Nearby house 1
Photo unavailable

5063 Sharp St

sold · 0.07 mi
Price: $37,500
2 bd / 1 ba · 937 sqft
Latest sale: — on Jan 16, 2026
Latest rent: —
Nearby house 2
Photo unavailable

5051 Sharp St

sold · 0.10 mi
Price: $6,500
2 bd / 1 ba · 809 sqft
Latest sale: — on Jul 22, 2024
Latest rent: —
Nearby house 3
Photo unavailable

5031 Gardenia St

for_sale · 0.17 mi
Price: $39,000
2 bd / 1 ba · 1,008 sqft
Latest sale: —
Latest rent: —
Nearby house 4
Photo unavailable

Tulane Dr

for_sale · 0.17 mi
Price: $3,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 5
Photo unavailable

1512 Lowery Ln

sold · 0.20 mi
Price: $50,625
3 bd / 2 ba · 1,239 sqft
Latest sale: — on Dec 09, 2022
Latest rent: —
Nearby house 6
Photo unavailable

1513 David Dr

for_sale · 0.26 mi
Price: $24,900
3 bd / 2 ba · 1,304 sqft
Latest sale: —
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Central HVAC is present and operational; supply/return vents in photos indicate an installed system though equipment age is unknown.
  • Hot water is available and water heater is functional though not pictured; assume connected and serviceable unless disclosed otherwise.
  • At least one smoke detector is installed (visible in hallway photo). Additional detectors (per code) may be present but not shown.
  • Carbon monoxide detector presence not visible in photos; assume not verified and may need installation if fuel-burning appliances present.
  • GFCI protection at kitchen and bathroom outlets is not clearly visible in photos; assume verification or replacement may be needed.
  • Electrical panel exists and is intact but was not photographed; no visible exposed wiring or hazardous electrical conditions observed.
  • Bedroom windows provide required egress based on visible window sizes in photos; exact measurements not available.
  • Laundry room exists per listing but equipment condition not shown; assumed functional hookups.
  • No evidence of major structural or roof failure in photos; photos show intact roofline and no sagging or stains indicative of leaks.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $845 $29,170 $4,376
2023 $808 $28,030 $4,205
2021 $809 $28,030 $4,205
2020 $798 $27,840 $4,176
2019 $835 $29,070 $4,361
2018 $825 $29,070 $4,361
2017 $826 $29,070 $4,361
2016 $804 $29,070 $4,361
2015 $775 $28,870 $4,331
2014 $774 $28,870 $4,331
2013 $752 $28,870 $4,331
2012 $752 $28,870 $4,331
2011 $730 $28,420 $4,263
2010 $726 $28,420 $4,263
2009 $726 $28,420 $4,263
2008 $726 $24,910 $3,737
2007 $643 $24,910 $3,737

Sale History

DateEventPrice
2026-02-03 Listed $99,000

Photo Gallery

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            "year": 2023,
            "market": {
              "land": 4500,
              "total": 28030,
              "building": 23530
            },
            "assessment": {
              "land": 675,
              "total": 4205,
              "building": 3530
            }
          },
          {
            "tax": 809,
            "year": 2021,
            "market": {
              "land": 4500,
              "total": 28030,
              "building": 23530
            },
            "assessment": {
              "land": 675,
              "total": 4205,
              "building": 3530
            }
          },
          {
            "tax": 798,
            "year": 2020,
            "market": {
              "land": 4500,
              "total": 27840,
              "building": 23340
            },
            "assessment": {
              "land": 675,
              "total": 4176,
              "building": 3501
            }
          },
          {
            "tax": 835,
            "year": 2019,
            "market": {
              "land": 4500,
              "total": 29070,
              "building": 24570
            },
            "assessment": {
              "land": 675,
              "total": 4361,
              "building": 3686
            }
          },
          {
            "tax": 825,
            "year": 2018,
            "market": {
              "land": 4500,
              "total": 29070,
              "building": 24570
            },
            "assessment": {
              "land": 675,
              "total": 4361,
              "building": 3686
            }
          },
          {
            "tax": 826,
            "year": 2017,
            "market": {
              "land": 4500,
              "total": 29070,
              "building": 24570
            },
            "assessment": {
              "land": 675,
              "total": 4361,
              "building": 3686
            }
          },
          {
            "tax": 804,
            "year": 2016,
            "market": {
              "land": 4500,
              "total": 29070,
              "building": 24570
            },
            "assessment": {
              "land": 675,
              "total": 4361,
              "building": 3686
            }
          },
          {
            "tax": 775,
            "year": 2015,
            "market": {
              "land": 4500,
              "total": 28870,
              "building": 24370
            },
            "assessment": {
              "land": 675,
              "total": 4331,
              "building": 3656
            }
          },
          {
            "tax": 774,
            "year": 2014,
            "market": {
              "land": 4500,
              "total": 28870,
              "building": 24370
            },
            "assessment": {
              "land": 675,
              "total": 4331,
              "building": 3656
            }
          },
          {
            "tax": 752,
            "year": 2013,
            "market": {
              "land": 4500,
              "total": 28870,
              "building": 24370
            },
            "assessment": {
              "land": 675,
              "total": 4331,
              "building": 3656
            }
          },
          {
            "tax": 752,
            "year": 2012,
            "market": {
              "land": 4500,
              "total": 28870,
              "building": 24370
            },
            "assessment": {
              "land": 675,
              "total": 4331,
              "building": 3656
            }
          },
          {
            "tax": 730,
            "year": 2011,
            "market": {
              "land": 4500,
              "total": 28420,
              "building": 23920
            },
            "assessment": {
              "land": 675,
              "total": 4263,
              "building": 3588
            }
          },
          {
            "tax": 726,
            "year": 2010,
            "market": {
              "land": 4500,
              "total": 28420,
              "building": 23920
            },
            "assessment": {
              "land": 675,
              "total": 4263,
              "building": 3588
            }
          },
          {
            "tax": 726,
            "year": 2009,
            "market": {
              "land": 4500,
              "total": 28420,
              "building": 23920
            },
            "assessment": {
              "land": 675,
              "total": 4263,
              "building": 3588
            }
          },
          {
            "tax": 726,
            "year": 2008,
            "market": {
              "land": 3750,
              "total": 24910,
              "building": 21160
            },
            "assessment": {
              "land": 563,
              "total": 3737,
              "building": 3174
            }
          },
          {
            "tax": 643,
            "year": 2007,
            "market": {
              "land": 3750,
              "total": 24910,
              "building": 21160
            },
            "assessment": {
              "land": 563,
              "total": 3737,
              "building": 3174
            }
          }
        ],
        "property_history": [
          {
            "date": "2026-02-03",
            "price": 99000,
            "listing": {
              "status": "for_sale",
              "list_date": "2026-02-03T17:39:34Z",
              "list_price": 99000,
              "listing_id": "2991148443",
              "last_update_date": "2026-02-04T10:44:33Z",
              "last_status_change_date": "2026-02-03T17:39:34Z"
            },
            "event_name": "Listed",
            "price_sqft": 83.89830508474576,
            "source_name": "MLSUnited",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "4138030",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": true
  },
  "property_id": "7232241542",
  "generated_at": "2026-02-16T23:05:42.263623Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 80.1
  },
  "utility_allowance": {
    "zip_code": "39209",
    "home_photo": "https://ap.rdcpix.com/75a39e07c62aaf848b7c0c01136d69d0l-m1254797856s-w1280.jpg",
    "rent_price": 1001.0,
    "loan_amount": 79200.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/5145-Gault-St_Jackson_MS_39209_M72322-41542",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 99000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 9549.95,
    "mortgage_monthly": 526.92,
    "payment_standard": 1380.0,
    "total_amount_out": 19800.0,
    "additional_photos": [
      "https://ap.rdcpix.com/75a39e07c62aaf848b7c0c01136d69d0l-m3619448120s-w1280.jpg",
      "https://ap.rdcpix.com/75a39e07c62aaf848b7c0c01136d69d0l-m2712091998s-w1280.jpg",
      "https://ap.rdcpix.com/75a39e07c62aaf848b7c0c01136d69d0l-m3094299816s-w1280.jpg",
      "https://ap.rdcpix.com/75a39e07c62aaf848b7c0c01136d69d0l-m739647832s-w1280.jpg",
      "https://ap.rdcpix.com/75a39e07c62aaf848b7c0c01136d69d0l-m144042357s-w1280.jpg",
      "https://ap.rdcpix.com/75a39e07c62aaf848b7c0c01136d69d0l-m3730685614s-w1280.jpg",
      "https://ap.rdcpix.com/75a39e07c62aaf848b7c0c01136d69d0l-m2225021952s-w1280.jpg",
      "https://ap.rdcpix.com/75a39e07c62aaf848b7c0c01136d69d0l-m1201995185s-w1280.jpg",
      "https://ap.rdcpix.com/75a39e07c62aaf848b7c0c01136d69d0l-m1536074240s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 32.54,
    "monthly_cash_flow": 795.83,
    "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' heating. The fuel source was not specified, so 'Electric' was chosen as it is consistent with the other electric appliances listed.",
        "utility": "Heating",
        "allowance": 50
      },
      {
        "note": "Property data explicitly lists 'Electric Cooktop' as an appliance, so the 'Electric' option was selected.",
        "utility": "Cooking",
        "allowance": 11
      },
      {
        "note": "The water heater fuel type was not specified. 'Electric' was assumed to be consistent with the electric cooktop.",
        "utility": "Water Heating",
        "allowance": 29
      },
      {
        "note": "This is a standard baseline allowance for general tenant electricity usage, such as lights and outlets.",
        "utility": "Other Electric",
        "allowance": 69
      },
      {
        "note": "The property is listed as having 'Central Air', so this fixed allowance is included.",
        "utility": "Air Conditioning",
        "allowance": 12
      },
      {
        "note": "The property is listed as having 'Public' water service.",
        "utility": "Water",
        "allowance": 104
      },
      {
        "note": "The property is listed as being connected to a 'Public Sewer' system.",
        "utility": "Sewer",
        "allowance": 60
      },
      {
        "note": "This is a standard utility for single-family homes and is assumed to be a tenant expense.",
        "utility": "Trash Collection",
        "allowance": 37
      },
      {
        "note": "The property's detailed appliance list does not explicitly include a refrigerator, so it is treated as a tenant-owned appliance per the instructions.",
        "utility": "Refrigerator",
        "allowance": 4
      },
      {
        "note": "Allowance included for the tenant's cost of energy for using a range and microwave.",
        "utility": "Range/Microwave",
        "allowance": 3
      }
    ],
    "cash_on_cash_return": 0.48,
    "down_payment_amount": 19800.0,
    "property_tax_annual": 870.35,
    "property_tax_monthly": 72.53,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 379.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/ps",
        "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": 3226.92,
    "property_management_monthly": 100.1,
    "monthly_cash_flow_after_debt": 268.91,
    "cash_on_cash_return_after_debt": 0.16
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Well-remodeled 3BR/2BA showing modern finishes and no visible life-safety defects in photos. Likely to pass an initial Housing Choice Voucher/NSPIRE inspection with minor verification tasks and simple fixes (confirm/install CO alarm and GFCI where required, verify hot water and electrical panel, tighten/maintain deck stairs). Estimated rent-ready timeline: within 1-4 weeks depending on verification and any small repairs.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 85.0,
            "rationale": "Photos and listing describe a full remodel: new-looking vinyl plank flooring, updated kitchen cabinets, stainless appliances (fridge, dishwasher), modern bathroom tile/vanity, and fresh paint. Minor visible wear only (small trim scuffs, slightly weathered exterior deck stairs). Missing or damaged items are cosmetic and easy to correct; missing appliances are not an issue here since stainless fridge/dishwasher pictured."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risks (NSPIRE)",
            "score": 78.0,
            "rationale": "Key safety features are visible: at least one ceiling smoke detector in the hallway and an entry door with deadbolt. Windows in bedrooms appear intact and likely provide egress. No exposed wiring, no peeling paint, no visible mold, and ceilings look sound. Items not confirmed from photos: presence of a carbon-monoxide alarm, GFCI protection at kitchen sink (outlet near sink visible but GFCI not clearly identified), condition/location of electrical panel, and hot-water verification. These unknowns slightly reduce the score but nothing in photos indicates an imminent life-safety failure."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical",
            "score": 75.0,
            "rationale": "Visible HVAC supply/return vents and recessed lighting suggest an operational central HVAC/electrical system. Roof shingles visible from exterior look intact in photos. Kitchen and bathroom plumbing fixtures appear modern and functional. Water heater, electrical panel, and age/condition of HVAC are not shown and assumed serviceable; this uncertainty reduces the score. No signs of active leaks or water damage were observed."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 80.0,
            "rationale": "Exterior siding and paint appear in good condition, new concrete driveway, intact fencing and a usable rear deck. Deck railings present; decking and steps show weathering and will likely benefit from minor maintenance (securing/planing/staining). Yard and walkways are free of visible trip hazards or standing water in photos. Foundation exposure appears normal from photos; no major exterior structural issues seen."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Central HVAC is present and operational; supply/return vents in photos indicate an installed system though equipment age is unknown.",
          "Hot water is available and water heater is functional though not pictured; assume connected and serviceable unless disclosed otherwise.",
          "At least one smoke detector is installed (visible in hallway photo). Additional detectors (per code) may be present but not shown.",
          "Carbon monoxide detector presence not visible in photos; assume not verified and may need installation if fuel-burning appliances present.",
          "GFCI protection at kitchen and bathroom outlets is not clearly visible in photos; assume verification or replacement may be needed.",
          "Electrical panel exists and is intact but was not photographed; no visible exposed wiring or hazardous electrical conditions observed.",
          "Bedroom windows provide required egress based on visible window sizes in photos; exact measurements not available.",
          "Laundry room exists per listing but equipment condition not shown; assumed functional hookups.",
          "No evidence of major structural or roof failure in photos; photos show intact roofline and no sagging or stains indicative of leaks."
        ],
        "overall_score": 80.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This 3BR/2BA single-family appears recently renovated and largely rent-ready for a Housing Choice Voucher tenant. Cosmetic condition is very good; kitchen and baths are updated and appliances (fridge, dishwasher) are visible. Primary inspection risks are typical verify-on-site items: presence/operation of HVAC, water heater, main electrical panel integrity, GFCI and carbon monoxide alarms, and the rear deck/stairs needing minor repairs. If those systems are functioning and CO/GFCI devices are installed, the property is likely to pass an initial NSPIRE/HCV inspection with minor repairs or touch-ups (1–4 items).",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 84.0,
            "rationale": "Interior photos show recent cosmetic remodel: new-looking LVP floors, painted walls, updated cabinets and countertops, renovated bathrooms and kitchen, and installed stainless appliances and dishwasher. Minor visible issues: scuffed trim/door edges, small paint touch-ups needed around utility/closet door, and weathered exterior deck wood and stair treads that need sanding/staining or minor repair. No evidence of collapsed surfaces, large holes, or major deferred maintenance. Missing appliances are not apparent (fridge and dishwasher visible; stove presumed present per listing)."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risks",
            "score": 78.0,
            "rationale": "Key safety items appear present: at least one smoke alarm visible in hallway, exterior doors show a deadbolt, interior doors/windows intact and bedrooms appear to have windows for egress. No exposed wiring visible, flooring is even, and there are no visible ceiling/foundation failures, active leaks, or mold. Uncertainties: no carbon monoxide alarm is visible in photos (may be required depending on local code and presence of gas appliances), electrical panel and its labeling/cover are not shown, and GFCI protection for kitchen/bath is not clearly verifiable though kitchen outlet placement suggests modern updates. Exterior deck railing is present but wood shows weathering — stairs should be checked for secure treads. Overall low-to-moderate NSPIRE risk but requires verification of CO alarm, GFCI, and panel condition on inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems condition (HVAC, electrical, plumbing, roof)",
            "score": 72.0,
            "rationale": "Roof appears intact from exterior photos (asphalt shingles, no visible sag or stains). Interior shows HVAC supply/return vents and a thermostat indicating central HVAC likely present. Kitchen and bathroom fixtures appear in working order (sink, faucet, dishwasher, tub/shower). Water heater, main electrical panel, and HVAC equipment are not shown — their age/condition unknown. No signs of active leaks or water damage in photographed areas. Because major equipment locations/conditions are not visible, deduction applied for unknowns that could create inspection failure if nonfunctional."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, site, and access",
            "score": 78.0,
            "rationale": "Curb appeal and exterior look good: siding and paint in good condition, concrete driveway and garage present, fenced backyard, and grade appears reasonable for drainage. Rear deck and stairs have solid railings but show weathering and require maintenance (staining/fastener check). No visible standing water, major foundation cracks, or significant site hazards in photos. Vegetation is controlled and walkways are clear."
          }
        ],
        "red_flags": [],
        "confidence": 0.72,
        "assumptions": [
          "Listing statement that property is 'fully remodeled' is accurate and interior photos represent overall condition throughout the home.",
          "Kitchen includes a range/stove even though it is not visible in the provided photos (stainless appliances referenced in listing).",
          "Central HVAC and a water heater are present and operational (vents and thermostat visible; equipment not photographed).",
          "Electrical panel exists and is intact/covered and circuits are functional though not pictured.",
          "Bedroom windows meet local egress size requirements (windows visible appear standard double-hung); no blocked exits.",
          "No active roof leaks or hidden water damage exist beyond areas shown; roof appears in serviceable condition from available photos.",
          "No visible peeling paint or chipping that would constitute an immediate lead-paint hazard, although property was built in 1956 so lead disclosure/abatement rules apply and should be verified."
        ],
        "overall_score": 79.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This 3BR/2BA single-family home appears turnkey for Section 8 tenancy with a high likelihood of passing an initial HCV/NSPIRE inspection after basic verification tasks. The interior shows a recent full remodel (floors, paint, kitchen, baths) and appliances are present. Major visible life-safety hazards are not apparent. Key verifications required before inspection: confirm working/installed smoke detectors in required locations and interconnection, confirm CO alarm presence if fuel-burning appliances or gas lines exist, test HVAC and hot water, verify electrical panel condition and GFCI protection in kitchen/baths, and tighten/seal the rear deck stairs and handrail. With those verifications and minor maintenance (deck sealing, any small trim touch-ups), this property should be rent-ready within 1-2 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 88.0,
            "rationale": "Interior photos and listing indicate a full remodel: new-looking LVT flooring, fresh paint, new trim/baseboards, updated kitchen cabinets/countertops, stainless fridge and dishwasher, and renovated bathrooms with tile surrounds. Cosmetic wear is minimal. Exterior paint and siding look in good condition. Minor easy-to-fix items observed: weathering on deck stairs/rail (needs staining/sealing), minor scuffing on some trim/doors, potential small touch-ups at door edges. No visible collapsed surfaces or exposed subfloor. Overall appears move-in ready with minor cosmetic/capital fixes only."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance (NSPIRE risks)",
            "score": 80.0,
            "rationale": "Visible positive items: hallway smoke detector-like device present in photos, front door has a deadbolt, outlets have covers, no exposed wiring visible, fixtures and plumbing appear functional (kitchen sink, dishwasher, bathroom fixtures), window present in bathrooms and bedrooms provide natural light and apparent egress. Unconfirmed items that affect score: presence/operation of smoke detectors in every sleeping room and interconnected alarm system, presence of a CO alarm (required if fuel-burning appliances present; no gas appliances visible but heating source not confirmed), and GFCI protection for kitchen/bath outlets cannot be visually confirmed. Electrical panel and water heater were not photographed. No visible severe water intrusion, mold, sagging ceilings, loose guardrails or missing handrails that would indicate an immediate life-safety failure. Recommend verifying alarm locations/operation and GFCI receptacles before inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Mechanical Systems (HVAC, electrical, plumbing, roof)",
            "score": 76.0,
            "rationale": "Evidence of central HVAC (ceiling/return vents and thermostat visible) and modern kitchen appliances (electric refrigerator, dishwasher). Roof appears to be asphalt shingles in fair condition from exterior photo with no visible sagging or staining. Plumbing fixtures and hot water use (dishwasher, sinks) appear present, but water heater not photographed. Electrical panel not shown so service condition and labeling unknown. Because major systems are present and no visible signs of failure (no stains, no visible leaks, no collapsed ceilings), risk is moderate — requires functional testing of HVAC, hot water, electrical panel, and confirmation of water heater condition prior to inspection. If any of these are non-operational the score would drop significantly."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 82.0,
            "rationale": "Front yard and driveway appear well-maintained; new or recent concrete driveway visible. Siding and paint in good condition; fenced backyard present. Rear deck and stairs have intact guardrail but show weathered wood and would benefit from sealing/tightening; steps appear structurally intact but should be inspected for loose treads. No standing water, erosion, or vegetation overgrowth observed in photos. Foundation visible at deck area appears intact with new concrete skirting; no major foundation cracks or settlement visible from provided images."
          }
        ],
        "red_flags": [],
        "confidence": 0.75,
        "assumptions": [
          "Interior photos represent current typical condition throughout the unit (no hidden significant damage elsewhere).",
          "Central HVAC is present and was recently serviced or is operational (inferred from vents and thermostat visible in photos).",
          "Kitchen appliances (refrigerator, dishwasher) are functional as shown in photos and listing text.",
          "No gas appliances were visible; therefore CO detector may not be required by jurisdiction, but this must be confirmed.",
          "Smoke detector visible in hallway is functional; additional detectors in bedrooms may be present but were not photographed.",
          "No active roof leaks or major foundation movement exist—absence of stains/sagging in interior photos used to infer this.",
          "Electrical panel and water heater exist and are in serviceable condition though not photographed."
        ],
        "overall_score": 82.0,
        "rubric_version": "ns-pire_inspection_v1.0_2026-02-16"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "5145 Gault St, Jackson, MS, 39209",
    "aggregate": {
      "summary": "Well-remodeled 3BR/2BA showing modern finishes and no visible life-safety defects in photos. Likely to pass an initial Housing Choice Voucher/NSPIRE inspection with minor verification tasks and simple fixes (confirm/install CO alarm and GFCI where required, verify hot water and electrical panel, tighten/maintain deck stairs). Estimated rent-ready timeline: within 1-4 weeks depending on verification and any small repairs.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 85.7,
          "rationale": "Photos and listing describe a full remodel: new-looking vinyl plank flooring, updated kitchen cabinets, stainless appliances (fridge, dishwasher), modern bathroom tile/vanity, and fresh paint. Minor visible wear only (small trim scuffs, slightly weathered exterior deck stairs). Missing or damaged items are cosmetic and easy to correct; missing appliances are not an issue here since stainless fridge/dishwasher pictured."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 80.0,
          "rationale": "Exterior siding and paint appear in good condition, new concrete driveway, intact fencing and a usable rear deck. Deck railings present; decking and steps show weathering and will likely benefit from minor maintenance (securing/planing/staining). Yard and walkways are free of visible trip hazards or standing water in photos. Foundation exposure appears normal from photos; no major exterior structural issues seen."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Risks (NSPIRE)",
          "score": 78.7,
          "rationale": "Key safety features are visible: at least one ceiling smoke detector in the hallway and an entry door with deadbolt. Windows in bedrooms appear intact and likely provide egress. No exposed wiring, no peeling paint, no visible mold, and ceilings look sound. Items not confirmed from photos: presence of a carbon-monoxide alarm, GFCI protection at kitchen sink (outlet near sink visible but GFCI not clearly identified), condition/location of electrical panel, and hot-water verification. These unknowns slightly reduce the score but nothing in photos indicates an imminent life-safety failure."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems & Mechanical",
          "score": 74.3,
          "rationale": "Visible HVAC supply/return vents and recessed lighting suggest an operational central HVAC/electrical system. Roof shingles visible from exterior look intact in photos. Kitchen and bathroom plumbing fixtures appear modern and functional. Water heater, electrical panel, and age/condition of HVAC are not shown and assumed serviceable; this uncertainty reduces the score. No signs of active leaks or water damage were observed."
        }
      ],
      "red_flags": [],
      "confidence": 0.94,
      "assumptions": [
        "Central HVAC is present and operational; supply/return vents in photos indicate an installed system though equipment age is unknown.",
        "Hot water is available and water heater is functional though not pictured; assume connected and serviceable unless disclosed otherwise.",
        "At least one smoke detector is installed (visible in hallway photo). Additional detectors (per code) may be present but not shown.",
        "Carbon monoxide detector presence not visible in photos; assume not verified and may need installation if fuel-burning appliances present.",
        "GFCI protection at kitchen and bathroom outlets is not clearly visible in photos; assume verification or replacement may be needed.",
        "Electrical panel exists and is intact but was not photographed; no visible exposed wiring or hazardous electrical conditions observed.",
        "Bedroom windows provide required egress based on visible window sizes in photos; exact measurements not available.",
        "Laundry room exists per listing but equipment condition not shown; assumed functional hookups.",
        "No evidence of major structural or roof failure in photos; photos show intact roofline and no sagging or stains indicative of leaks."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 80.1,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7232241542"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.