Property ID: 7245598677
3923 Azalea Dr, Jackson, MS, 39206
Jackson, MS
Money Down: $23,976
CoC Return: 17.11%
Monthly Cash Flow: $342
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,980
Closing Costs
$3,996
Total Down
$23,976
Investment Snapshot
Purchase Price
$99,900
Money Down
$23,976
Cash-on-Cash Return
17.11%
Rent
$1,195
Monthly Cash Flow
$342
Annual Cash Flow
$4,103
Debt Service / Mo
$532
Property Tax / Mo
$154
Insurance / Mo
$48
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,195
Payment Standard
$1,530
Rent
$1,195
Insurance
$48
Property Tax
$154
Management
$120
Utilities Allowance
$335
NOI (Monthly)
$874
Debt Service
$532
Cash Flow After Debt
$342
Quality Score: 68.90%
Confidence: 93.00%
Overall the property appears to be livable and likely to pass an initial HCV (NSPIRE) inspection after modest, short-term work: remove clutter, verify/replace CO alarm (required if local code or gas appliance present), ensure GFCI protection in kitchen and bathrooms, confirm smoke detectors and deadbolt locks on entry doors, and perform a basic systems check (HVAC service, water heater, electrical panel). Major structural or life-safety failures are not visible in the provided photos. Expect minor repairs and clearance tasks with a likely rent-ready timeline of under 30 days if systems are functional and required alarms/outlet upgrades are completed.
Section 8 Payment Standard
$1,530
Utility Allowance Total
$335
Guaranteed Section 8 Rent (PS - Utilities)
$1,195
Property Management
$120
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$99,900
Beds
3
Baths
2
Living Area
1,694 sqft
Lot Size
20,909 sqft
Year Built
1951
Days on Market
321
Capital Outlay
$23,976
Debt Service
$532
Property Tax / Mo
$154
Insurance / Mo
$48
Property Description
Midcentury home with beautiful wooden floors. 3 bedrooms and 2 baths. Screened porch to enjoy you coffee. Quiet neighborhood.
Utility Allowances
Air Conditioning
$12
Selected based on the 3-bedroom allowance for a single-family home. Property has 'Central Air'.
Cooking
$11
Selected 'electric' option based on the property's 'Free-Standing Electric Range'. The 3-bedroom value was used.
Heating
$21
Selected 'natural_gas' option as property details list 'Heating: ... Natural Gas' and 'Natural Gas Connected'. The 3-bedroom value was used.
Other Electric
$69
Selected based on the 3-bedroom allowance for general electricity usage in a single-family home.
Range/Microwave
$3
Allowance for tenant-owned appliance. The property provides a range but does not explicitly mention a microwave, so the tenant may provide their own.
Refrigerator
$0
Allowance is $0 as the property details state a 'Refrigerator' is provided by the landlord.
Sewer
$60
Selected based on the 3-bedroom allowance. Property details confirm 'Public Sewer'.
Trash Collection
$37
Selected based on the 3-bedroom allowance, assuming tenant responsibility as is standard for single-family homes.
Water
$104
Selected based on the 3-bedroom allowance. Property details confirm 'Public' water source.
Water Heating
$18
Selected 'natural_gas' option, which is consistent with the home's heating fuel and 'Natural Gas Connected' status. The 3-bedroom value was used.
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$562
DP3 Annual Estimate$588
DP1 Monthly Equivalent$47
DP3 Monthly Equivalent$49
Replacement Value$41,930
Basis1,694 sqft / 1951
Nearby Houses
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sold · 0.05 mi
Price: $44,900
3 bd / 2 ba · 1,766 sqft
Latest sale: — on Aug 20, 2025
Latest rent: $1,460 on Oct 25, 2025
Photo unavailable
3938 Oakhill Dr
sold · 0.10 mi
Price: $74,900
4 bd / 4 ba · 2,290 sqft
Latest sale: — on Oct 02, 2024
Latest rent: $1,795 on Sep 27, 2025
Photo unavailable
571 Hickory Ridge Dr
sold · 0.11 mi
Price: $85,000
3 bd / 2 ba · 1,224 sqft
Latest sale: — on Aug 12, 2024
Latest rent: $975 on Jun 06, 2023
Photo unavailable
460 W Northside Dr
for_sale · 0.14 mi
Price: $111,000
4 bd / 2 ba · 1,989 sqft
Latest sale: — on Apr 26, 2024
Latest rent: —
Photo unavailable
3952 Meadowlane Dr
for_sale · 0.14 mi
Price: $140,000
3 bd / 3 ba · 1,565 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4025 Carol Dr
for_sale · 0.15 mi
Price: $67,500
3 bd / 2 ba · 1,316 sqft
Latest sale: — on May 18, 2012
Latest rent: —
Photo unavailable
4016 Liberty Hill Rd
sold · 0.17 mi
Price: $129,900
4 bd / 2 ba · 1,491 sqft
Latest sale: — on Oct 18, 2024
Latest rent: —
Photo unavailable
4113 Oakhill Dr
sold · 0.18 mi
Price: $44,900
3 bd / 2 ba · 1,386 sqft
Latest sale: — on Nov 06, 2023
Latest rent: $1,588 on Aug 18, 2025
Photo unavailable
3819 Britton Ave
sold · 0.19 mi
Price: $85,000
3 bd / 2 ba · 1,437 sqft
Latest sale: — on Jul 19, 2024
Latest rent: —
Photo unavailable
3811 Mosley Ave
sold · 0.23 mi
Price: $520,000
2 bd / 1 ba
Latest sale: — on Oct 25, 2024
Latest rent: $650 on May 21, 2019
Photo unavailable
528 Beaverbrook Dr
sold · 0.24 mi
Price: $59,900
3 bd / 2 ba · 1,235 sqft
Latest sale: — on Sep 16, 2022
Latest rent: $1,155 on Apr 13, 2023
Photo unavailable
504 Stillwood Dr
for_sale · 0.24 mi
Price: $10,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
644 Beaverbrook Dr
sold · 0.26 mi
Price: $36,000
2 bd / 1 ba
Latest sale: — on May 31, 2024
Latest rent: —
Photo unavailable
706 Beaverbrook Dr
sold · 0.28 mi
Price: $60,000
2 bd / 2 ba · 1,456 sqft
Latest sale: — on Apr 30, 2024
Latest rent: $1,395 on Jul 02, 2024
Photo unavailable
410 Stillwood Dr
sold · 0.31 mi
Price: $52,000
2 bd / 1 ba · 877 sqft
Latest sale: — on Jan 04, 2024
Latest rent: $925 on Feb 13, 2024
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC exists and is operational (ceiling vents visible); full service not documented.
- Hot water system and electrical panel exist and are operational but were not photographed; no visible evidence of failure.
- Gas stove is connected (yellow flexible gas line visible); CO alarm is not visible in photos and will be required if local code or owner policy requires CO monitoring with gas appliances.
- Smoke detector is present (visible in hallway) but additional units in bedrooms may be needed — only one detector was photographed.
- No visible active roof leaks or structural sagging from exterior/interior photos; attic, roof penetrations and foundation not inspected and assumed to be typical for age unless inspection finds otherwise.
- Potential lead-based paint risk exists due to year built (1951); lead hazard inspection/Disclosure will be required per federal rules for pre-1978 housing.
- Clutter visible in photos may conceal small hazards (loose flooring edges, outlet issues, blocked egress); a full walk-through and cleanout will be required prior to inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,794 | $61,880 | $9,283 |
| 2023 | $1,785 | $61,880 | $9,283 |
| 2021 | $1,786 | $61,880 | $9,283 |
| 2020 | $1,765 | $61,500 | $9,226 |
| 2019 | $1,766 | $61,500 | $9,226 |
| 2018 | $1,746 | $61,500 | $9,226 |
| 2017 | $1,747 | $61,500 | $9,226 |
| 2016 | $1,701 | $61,500 | $9,226 |
| 2015 | $1,620 | $60,340 | $9,052 |
| 2014 | $1,618 | $60,340 | $9,052 |
| 2013 | $1,573 | $60,340 | $9,052 |
| 2012 | $1,573 | $60,340 | $9,052 |
| 2011 | $1,456 | $56,660 | $8,500 |
| 2010 | $1,447 | $56,660 | $8,500 |
| 2009 | $1,447 | $56,660 | $8,500 |
| 2008 | $1,447 | $38,980 | $5,847 |
| 2007 | $1,006 | $38,980 | $5,847 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-25 | Price Changed | $99,900 |
| 2025-10-01 | Price Changed | $99,000 |
| 2025-05-14 | Price Changed | $117,000 |
| 2025-04-01 | Listed | $119,000 |
| 2022-10-01 | Listing removed | $0 |
| 2022-09-30 | Listing removed | $0 |
| 2022-09-30 | Listing removed | $0 |
| 2022-09-29 | Listed for rent | $1,175 |
| 2022-08-15 | Relisted | $102,000 |
| 2022-08-13 | Listing removed | $0 |
| 2022-06-26 | Listed for rent | $1,175 |
| 2022-06-24 | Price Changed | $112,000 |
| 2022-06-08 | Listed | $113,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2020-05-27 | Listed for rent | $1,100 | — |
| 2019-11-27 | Listed for rent | $1,100 | — |
| 2018-01-26 | Listed for rent | $1,100 | — |
Photo Gallery
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"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4019929",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7245598677",
"generated_at": "2026-02-16T22:57:08.846350Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.9
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/16fc8b0659778f17812ce080a6dc781bl-m731450661s-w1280.jpg",
"rent_price": 1195.0,
"loan_amount": 79920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3923-Azalea-Dr_Jackson_MS_39206_M72455-98677",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 99900.0,
"loan_term_years": 30,
"annual_cash_flow": 10483.18,
"mortgage_monthly": 531.71,
"payment_standard": 1530.0,
"total_amount_out": 19980.0,
"additional_photos": [
"https://ap.rdcpix.com/16fc8b0659778f17812ce080a6dc781bl-m2556889783s-w1280.jpg",
"https://ap.rdcpix.com/16fc8b0659778f17812ce080a6dc781bl-m1654512647s-w1280.jpg",
"https://ap.rdcpix.com/16fc8b0659778f17812ce080a6dc781bl-m1776797320s-w1280.jpg",
"https://ap.rdcpix.com/16fc8b0659778f17812ce080a6dc781bl-m4288290926s-w1280.jpg",
"https://ap.rdcpix.com/16fc8b0659778f17812ce080a6dc781bl-m4220994939s-w1280.jpg",
"https://ap.rdcpix.com/16fc8b0659778f17812ce080a6dc781bl-m3223845197s-w1280.jpg",
"https://ap.rdcpix.com/16fc8b0659778f17812ce080a6dc781bl-m4182526947s-w1280.jpg",
"https://ap.rdcpix.com/16fc8b0659778f17812ce080a6dc781bl-m2234158583s-w1280.jpg",
"https://ap.rdcpix.com/16fc8b0659778f17812ce080a6dc781bl-m2106787866s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 47.92,
"monthly_cash_flow": 873.6,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Selected based on the 3-bedroom allowance for a single-family home. Property has 'Central Air'.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected 'electric' option based on the property's 'Free-Standing Electric Range'. The 3-bedroom value was used.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'natural_gas' option as property details list 'Heating: ... Natural Gas' and 'Natural Gas Connected'. The 3-bedroom value was used.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Selected based on the 3-bedroom allowance for general electricity usage in a single-family home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Allowance for tenant-owned appliance. The property provides a range but does not explicitly mention a microwave, so the tenant may provide their own.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Allowance is $0 as the property details state a 'Refrigerator' is provided by the landlord.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Selected based on the 3-bedroom allowance. Property details confirm 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Selected based on the 3-bedroom allowance, assuming tenant responsibility as is standard for single-family homes.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Selected based on the 3-bedroom allowance. Property details confirm 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Selected 'natural_gas' option, which is consistent with the home's heating fuel and 'Natural Gas Connected' status. The 3-bedroom value was used.",
"utility": "Water Heating",
"allowance": 18
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 19980.0,
"property_tax_annual": 1847.82,
"property_tax_monthly": 153.98,
"property_tax_increase": 0.03,
"utility_allowance_total": 335.0,
"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": 4102.66,
"property_management_monthly": 119.5,
"monthly_cash_flow_after_debt": 341.89,
"cash_on_cash_return_after_debt": 0.21
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be livable and likely to pass an initial HCV (NSPIRE) inspection after modest, short-term work: remove clutter, verify/replace CO alarm (required if local code or gas appliance present), ensure GFCI protection in kitchen and bathrooms, confirm smoke detectors and deadbolt locks on entry doors, and perform a basic systems check (HVAC service, water heater, electrical panel). Major structural or life-safety failures are not visible in the provided photos. Expect minor repairs and clearance tasks with a likely rent-ready timeline of under 30 days if systems are functional and required alarms/outlet upgrades are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears generally lived-in but intact — original hardwoods visible and in reasonable condition, crown moulding and trim present. Photos show clutter, cosmetic scuffing on walls, worn kitchen flooring, and painter's cans in kitchen indicating unfinished work. Appliances (range, refrigerator) are present which reduces penalty. No visible major finishes failure (collapsed ceilings, large drywall holes). Overall mostly cosmetic and medium-effort repairs required (deep clean, paint touch-ups, minor flooring and trim repairs)."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "A ceiling smoke detector is visible in hallway which is positive. Central HVAC vents visible. Gas stove appears connected (yellow gas flex visible) so carbon monoxide (CO) alarm is recommended but not visible in photos. No exposed wiring, no collapsed ceilings, no obvious trip hazards shown. GFCI outlets in kitchen/bath not visible; bathrooms not pictured so GFCI compliance uncertain. Windows appear to offer egress in bedrooms/dining areas. Clutter may create temporary egress/inspection issues that should be cleared prior to inspection. Because some required safety elements (CO alarm when gas present, GFCIs) cannot be confirmed, there's a moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Ceiling vents and a thermostat/return grille (photos) indicate central HVAC is present; condition and operational status not documented but vents look intact. Roof shingles visible from front photo look aged but show no visible sagging or active leaks. Water heater, electrical panel and plumbing risers are not shown so their condition is unknown. Kitchen range hood light works in photo suggesting power available. Given age of home (1951) there is moderate uncertainty around electrical capacity and plumbing; no direct evidence of system failure, so score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior siding appears intact with no visible major structural foundation cracking or sagging; front screened porch and awning present. Lawn is somewhat overgrown but there are defined walkways and no visible standing water or significant trip hazards in photos. Drive/parking area partially visible and appears functional. Overall exterior shows wear consistent with an older home but no observable major envelope failure."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is operational (ceiling vents visible); full service not documented.",
"Hot water system and electrical panel exist and are operational but were not photographed; no visible evidence of failure.",
"Gas stove is connected (yellow flexible gas line visible); CO alarm is not visible in photos and will be required if local code or owner policy requires CO monitoring with gas appliances.",
"Smoke detector is present (visible in hallway) but additional units in bedrooms may be needed — only one detector was photographed.",
"No visible active roof leaks or structural sagging from exterior/interior photos; attic, roof penetrations and foundation not inspected and assumed to be typical for age unless inspection finds otherwise.",
"Potential lead-based paint risk exists due to year built (1951); lead hazard inspection/Disclosure will be required per federal rules for pre-1978 housing.",
"Clutter visible in photos may conceal small hazards (loose flooring edges, outlet issues, blocked egress); a full walk-through and cleanout will be required prior to inspection."
],
"overall_score": 68.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears like a viable Section 8 rental with primarily cosmetic and verification-type issues. Interiors show normal wear and clutter but no visible life-safety failures (no collapsed ceilings, severe mold, or structural sagging). Primary inspection risks to address before leasing: install/verify carbon monoxide detectors (required given gas range), verify GFCI protection in kitchen/baths, confirm operational HVAC and hot water, confirm functioning smoke detectors and install additional units if needed, and remove clutter to allow full inspection. Expect minor repairs and documentation (service receipts) to achieve NSPIRE pass; likely rent-ready within 2–4 weeks if utilities and systems are confirmed operational.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition and Repairs",
"score": 72.0,
"rationale": "House appears lived-in but generally maintained. Hardwood floors visible and in reasonably good condition; kitchens/cabinets show normal wear. Appliances (refrigerator and gas range) are present. Minor deferred maintenance visible: cluttered rooms, paint scuffs, cans of paint on kitchen floor, some cosmetic tile/counter edges and trim wear. No visible collapsed finishes or major water stains. Missing or worn fixtures are easy-to-fix, primarily cosmetic and moderate capital repairs."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "A ceiling smoke detector is visible in the hallway (positive). No carbon-monoxide detector is visible in photographs despite a gas range (risk for mandatory CO protection depending on jurisdiction). No exposed wiring or obvious electrical hazards in photos. Ceiling and walls show no active leaks or sagging; windows appear operable and large enough for egress in living areas (bedroom egress not directly pictured). Entry doors appear present; deadbolt not visible in photos. GFCI outlets in kitchen/bath not visible and likely absent given age and photos (moderate risk). Plumbing fixtures and a working kitchen sink are visible; hot water system not shown. Overall moderate NSPIRE risk due to uncertain/absent CO alarm and unknown GFCI protection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Electrical, Plumbing)",
"score": 65.0,
"rationale": "Ceiling HVAC vents/registers are visible in living areas indicating central HVAC is installed; operation not verified but presence reduces risk. Roof appears intact from street photo with no visible sagging or active leak signs. Electrical panel and water heater not pictured; no visible exposed knob-and-tube wiring. Kitchen gas range present and appears connected; condition of gas lines and flue/venting not verified. Plumbing fixtures present but water heater and drain performance unknown. Systems likely functional but require standard verification and service."
},
{
"key": "exterior_site",
"label": "Exterior and Site Condition",
"score": 70.0,
"rationale": "Exterior siding and roof look intact with no obvious structural cracking or foundation displacement visible in the provided front photo. Yard is somewhat overgrown but no standing water or severe drainage issues observed. Walkway is present; screened porch looks serviceable. No visible signs of infestation, major siding failure or erosion. Typical yard cleanup and minor exterior paint/trim touch-ups likely needed."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Utilities (electric, gas, water) are active at time of inspection or can be activated for testing.",
"Bedrooms have operable windows that meet egress requirements (not directly shown but implied by window sizes in living areas).",
"Smoke detector(s) shown are operational (battery/power not tested in photos).",
"HVAC system is present and operable (ceiling vents visible but functionality not verified).",
"No active roof leaks despite aged shingles visible in exterior photo (no interior water stains shown).",
"Electrical panel and water heater exist and are serviceable even though not photographed.",
"Gas range connection is intact and safe (no visible gas leaks in photos)."
],
"overall_score": 68.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this midcentury single-family house appears largely rent-ready with mostly cosmetic repairs and routine verification of systems. It is likely to pass an initial HCV/NSPIRE inspection after a short punch-list: install/verify carbon monoxide alarms (required with gas range), confirm/upgrade GFCI protection in the kitchen and bathrooms, verify functioning smoke detectors in all sleeping areas, and perform a targeted systems check (water heater, electrical panel, HVAC operation). Typical cleanout, minor paint touch-ups and installation of any missing outlet covers/locks should make the unit turnkey within 1–4 weeks. Primary risks are missing CO detection and unverified GFCI/electrical items and lead-paint potential due to the 1951 construction date.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Interior appears lived-in but structurally intact: hardwood floors generally in good condition, walls and trim painted, no visible collapsed ceilings or major drywall damage. Kitchen and counters show normal wear; some areas have clutter and paint cans on floor. Appliances (stove and refrigerator) are present. Minor cosmetic repairs, cleaning, and touch-up painting expected before tenancy. Missing cabinet/drawer damage not evident. Overall mostly cosmetic and easy-to-fix items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "One smoke detector visible in hallway (positive). Central HVAC vents visible. However, a gas range is present (yellow flex line visible) and there is no visible carbon monoxide alarm in photos — this is a significant NSPIRE/safety concern. GFCI protection at kitchen sink/outlets is not visible and should be verified/installed. No exposed wiring or active leaks visible. Egress windows appear to be standard double-hung and likely meet bedroom egress but bedrooms/bath photos are limited. Entry door hardware and deadbolt not clearly visible. These unknowns lower the safety score to a moderate-risk level."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Evidence of central HVAC supply vents and ceiling registers suggests an installed heating/cooling system (not fully verified). Stove (gas) and refrigerator present and appear functional. Water heater, electrical panel and furnace/air handler are not photographed — assumed present and functional based on occupied condition but need verification. Roof appears intact in exterior photo with no sagging. Plumbing fixtures and hot water not shown; assume functional but unverified. Systems appear serviceable but require standard verification/maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior photos show an intact roofline and siding with a screened porch and awning; no visible major foundation cracks or sagging. Yard is somewhat overgrown but walkways present and level. Driveway/parking present. Some cosmetic exterior paint wear and landscaping cleanup needed. No visible standing water, significant drainage problems, or pest infestations evident in provided images."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible carbon monoxide detector in photos while a gas range (yellow flex line) is present — immediate CO alarm installation required.",
"No visible GFCI receptacle protection at the kitchen sink area in photos — possible NSPIRE failure if absent.",
"Property built 1951 — potential lead-based paint hazards; requires HUD/State lead disclosure and remediation planning if disturbed.",
"Cluttered rooms could conceal trip hazards, minor damage, or maintenance issues that should be cleared prior to inspection."
],
"confidence": 0.65,
"assumptions": [
"Property utilities (electric, gas, water) are active; stove and refrigerator are functional as they are in-place in photos.",
"Central HVAC exists and is operational (ceiling vents visible), but the system has not been tested in these photos.",
"Smoke detector present in hallway (visible) — additional detectors in bedrooms likely required and may not be present.",
"No active roof leaks or major foundation movement inferred from exterior photos; roof appears aged but intact.",
"Bedrooms provide adequate egress via the visible double-hung windows; specific window opening sizes were not measured.",
"Electrical panel, water heater and furnace/air handler were not photographed and are assumed present but need on-site verification.",
"No evidence of severe mold, active pests, or standing water in provided photos; heavy clutter could be hiding minor issues."
],
"overall_score": 71.0,
"rubric_version": "2026-02-16-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3923 Azalea Dr, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall the property appears to be livable and likely to pass an initial HCV (NSPIRE) inspection after modest, short-term work: remove clutter, verify/replace CO alarm (required if local code or gas appliance present), ensure GFCI protection in kitchen and bathrooms, confirm smoke detectors and deadbolt locks on entry doors, and perform a basic systems check (HVAC service, water heater, electrical panel). Major structural or life-safety failures are not visible in the provided photos. Expect minor repairs and clearance tasks with a likely rent-ready timeline of under 30 days if systems are functional and required alarms/outlet upgrades are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Interior appears generally lived-in but intact — original hardwoods visible and in reasonable condition, crown moulding and trim present. Photos show clutter, cosmetic scuffing on walls, worn kitchen flooring, and painter's cans in kitchen indicating unfinished work. Appliances (range, refrigerator) are present which reduces penalty. No visible major finishes failure (collapsed ceilings, large drywall holes). Overall mostly cosmetic and medium-effort repairs required (deep clean, paint touch-ups, minor flooring and trim repairs)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 71.7,
"rationale": "Exterior siding appears intact with no visible major structural foundation cracking or sagging; front screened porch and awning present. Lawn is somewhat overgrown but there are defined walkways and no visible standing water or significant trip hazards in photos. Drive/parking area partially visible and appears functional. Overall exterior shows wear consistent with an older home but no observable major envelope failure."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 63.3,
"rationale": "A ceiling smoke detector is visible in hallway which is positive. Central HVAC vents visible. Gas stove appears connected (yellow gas flex visible) so carbon monoxide (CO) alarm is recommended but not visible in photos. No exposed wiring, no collapsed ceilings, no obvious trip hazards shown. GFCI outlets in kitchen/bath not visible; bathrooms not pictured so GFCI compliance uncertain. Windows appear to offer egress in bedrooms/dining areas. Clutter may create temporary egress/inspection issues that should be cleared prior to inspection. Because some required safety elements (CO alarm when gas present, GFCIs) cannot be confirmed, there's a moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 66.7,
"rationale": "Ceiling vents and a thermostat/return grille (photos) indicate central HVAC is present; condition and operational status not documented but vents look intact. Roof shingles visible from front photo look aged but show no visible sagging or active leaks. Water heater, electrical panel and plumbing risers are not shown so their condition is unknown. Kitchen range hood light works in photo suggesting power available. Given age of home (1951) there is moderate uncertainty around electrical capacity and plumbing; no direct evidence of system failure, so score is moderate."
}
],
"red_flags": [],
"confidence": 0.93,
"assumptions": [
"Central HVAC exists and is operational (ceiling vents visible); full service not documented.",
"Hot water system and electrical panel exist and are operational but were not photographed; no visible evidence of failure.",
"Gas stove is connected (yellow flexible gas line visible); CO alarm is not visible in photos and will be required if local code or owner policy requires CO monitoring with gas appliances.",
"Smoke detector is present (visible in hallway) but additional units in bedrooms may be needed — only one detector was photographed.",
"No visible active roof leaks or structural sagging from exterior/interior photos; attic, roof penetrations and foundation not inspected and assumed to be typical for age unless inspection finds otherwise.",
"Potential lead-based paint risk exists due to year built (1951); lead hazard inspection/Disclosure will be required per federal rules for pre-1978 housing.",
"Clutter visible in photos may conceal small hazards (loose flooring edges, outlet issues, blocked egress); a full walk-through and cleanout will be required prior to inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 68.9,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7245598677"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.