Property ID: 7303983037

2646 Revere St, Jackson, MS, 39212

Jackson, MS

For Sale Feb 16, 2026 11:19 PM UTC Realtor Zillow Street View
Money Down: $10,680 CoC Return: 83.62% Monthly Cash Flow: $744
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$8,900
Closing Costs
$1,780
Total Down
$10,680
Primary property image

Investment Snapshot

Purchase Price
$44,500
Money Down
$10,680
Cash-on-Cash Return
83.62%
Rent
$1,241
Monthly Cash Flow
$744
Annual Cash Flow
$8,931
Debt Service / Mo
$237
Property Tax / Mo
$99
Insurance / Mo
$37

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,241
Payment Standard
$1,620
Rent
$1,241
Insurance
$37
Property Tax
$99
Management
$124
Utilities Allowance
$379
NOI (Monthly)
$981
Debt Service
$237
Cash Flow After Debt
$744

Quality Score: 60.30%

Confidence: 92.00%

Moderate-rehab investment property: cosmetically worn but structurally appears intact from photos. Primary needs are cosmetic repairs, cabinet/fixture replacement, appliance installation, ventilation/grille replacement, smoke/CO detector verification/installation, and basic systems checks (HVAC, electrical panel, hot water). With targeted repairs and system servicing this property is likely to pass an initial HCV/NSPIRE inspection within 30–60 days; recent rental history is a positive indicator. No immediate life-threatening hazards are visible in the photos.

Section 8 Payment Standard
$1,620
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,241
Property Management
$124

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$44,500
Beds
3
Baths
1
Living Area
1,360 sqft
Lot Size
10,454 sqft
Year Built
1958
Days on Market
30
Capital Outlay
$10,680
Debt Service
$237
Property Tax / Mo
$99
Insurance / Mo
$37

Property Description

This 3-bedroom, 1-bath investment property offers strong potential for value-add. Some repairs have already been completed, with additional TLC needed. Ideal for investors looking to renovate and execute a BRRR strategy. Property is sold as-is.

Utility Allowances

Air Conditioning
$12
Included as a standard utility for a single-family home in this climate. The property listing's mention of 'Cooling: None' is interpreted as the system not being landlord-provided, rather than the utility not being needed.
Cooking
$11
Fuel type is not specified and appliances are not provided. 'Electric' is selected as a common option that is more expensive than 'natural_gas' on the schedule.
Heating
$50
The property lists 'Heating: None', implying the tenant is responsible. Assumed standard 'Electric' heating as a confirmed available utility and the more expensive option versus a heat pump.
Other Electric
$69
This is a standard baseline allowance for any electrified residence to cover lighting and plug-in appliances.
Range/Microwave
$3
Property listing states 'appliances: None', so the allowance for a tenant-owned range/microwave is included.
Refrigerator
$4
Property listing states 'appliances: None', so the allowance for a tenant-owned refrigerator is included.
Sewer
$60
The property is connected to a 'Public Sewer' system according to the listing.
Trash Collection
$37
Inferred as a standard tenant-paid municipal service for a single-family home.
Water
$104
The property uses a 'Public' water source according to the listing.
Water Heating
$29
The fuel type for water heating is not specified. 'Electric' is selected as it is a common option and is more expensive than 'natural_gas' on the schedule.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$417
DP3 Annual Estimate$462
DP1 Monthly Equivalent$35
DP3 Monthly Equivalent$38
Replacement Value$29,890
Basis1,360 sqft / 1958

Nearby Houses

Nearby house 1
Photo unavailable

2701 Revere St

sold · 0.04 mi
Price: $1,500
— bd / — ba
Latest sale: — on Dec 10, 2025
Latest rent: —
Nearby house 2
Photo unavailable

2709 Revere St

sold · 0.05 mi
Price: $49,900
3 bd / 2 ba · 1,252 sqft
Latest sale: — on May 20, 2022
Latest rent: $775 on Apr 23, 2019
Nearby house 3
Photo unavailable

2633 Teresa Dr

sold · 0.10 mi
Price: $20,000
3 bd / 2 ba · 1,424 sqft
Latest sale: — on Jul 22, 2022
Latest rent: $700 on Jul 19, 2018
Nearby house 4
Photo unavailable

2612 Emerald Dr

sold · 0.10 mi
Price: $55,000
4 bd / 2 ba · 1,120 sqft
Latest sale: — on Dec 31, 2025
Latest rent: —
Nearby house 5
Photo unavailable

2732 Teresa Dr

for_sale · 0.11 mi
Price: $42,500
3 bd / 1 ba · 1,250 sqft
Latest sale: — on Apr 02, 2025
Latest rent: $750 on Feb 13, 2026
Nearby house 6
Photo unavailable

2725 Teresa Dr

sold · 0.11 mi
Price: $65,000
3 bd / 2 ba · 1,032 sqft
Latest sale: — on Jun 29, 2023
Latest rent: $1,100 on Oct 26, 2023
Nearby house 7
Photo unavailable

2740 Teresa Dr

sold · 0.12 mi
Price: $33,500
3 bd / 1 ba · 1,068 sqft
Latest sale: — on Mar 20, 2025
Latest rent: $995 on Sep 12, 2025
Nearby house 8
Photo unavailable

2804 Revere St

sold · 0.12 mi
Price: $55,000
4 bd / 2 ba · 1,484 sqft
Latest sale: — on Aug 08, 2025
Latest rent: —
Nearby house 9
Photo unavailable

2806 Tara Rd

off_market · 0.13 mi
Price: $85,900
3 bd / 2 ba · 1,100 sqft
Latest sale: —
Latest rent: $700 on Dec 02, 2019
Nearby house 10
Photo unavailable

2718 Charleston Dr

sold · 0.13 mi
Price: $50,000
3 bd / 2 ba · 1,383 sqft
Latest sale: — on Dec 28, 2022
Latest rent: —
Nearby house 11
Photo unavailable

1184 W McDowell Rd

sold · 0.14 mi
Price: $53,000
2 bd / 1 ba · 808 sqft
Latest sale: — on Jun 27, 2025
Latest rent: —
Nearby house 12
Photo unavailable

2815 Tara Rd

for_sale · 0.14 mi
Price: $54,900
3 bd / 2 ba · 1,376 sqft
Latest sale: — on Mar 26, 2013
Latest rent: $850 on Feb 12, 2024
Nearby house 13
Photo unavailable

1126 Barbara Ann Dr

off_market · 0.15 mi
Price: $975
3 bd / 1 ba
Latest sale: — on Nov 16, 1984
Latest rent: $975 on Dec 19, 2025
Nearby house 14
Photo unavailable

2814 Charleston Dr

sold · 0.17 mi
Price: $29,000
5 bd / 2 ba · 1,548 sqft
Latest sale: — on Aug 08, 2023
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • A central HVAC system exists (venting visible) but condenser/furnace condition is unverified; assume it may need servicing.
  • Hot water system (water heater) is present and operational unless inspection finds otherwise; not visible in photos.
  • At least one smoke/CO device is present (visible device in photos) but quantity and placement likely inadequate for full NSPIRE compliance and will need verification/possible additions.
  • Electrical panel is intact and grounded; no exposed live wiring visible in photos. GFCI protection in kitchen/bath is unverified.
  • No active roof leaks or major hidden structural failures (sagging, foundation movement) beyond visible minor exterior masonry damage, based on interior ceiling condition.
  • Appliances (stove/refrigerator) are not present in photos and will need to be provided; missing appliances reduce readiness but are considered moderate repairs, not an immediate safety failure.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,156 $39,890 $5,984
2023 $1,151 $39,890 $5,984
2021 $1,151 $39,890 $5,984

Sale History

DateEventPrice
2026-01-17 Listed $44,500
2025-11-14 Listing removed $0
2025-11-11 Listed for rent $900
2025-10-30 Listing removed $0
2025-10-20 Listed for rent $900

Rental History

DateEventPriceSource
2025-11-10 Listed for rent $900
2025-08-19 Listed for rent $1,050
2024-12-05 Listed for rent $1,050
2024-06-23 Listed for rent $1,050
2024-05-25 Listed for rent $1,050

Photo Gallery

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    "rent_price": 1241.0,
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    "bedroom_count": 3,
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    "purchase_price": 44500.0,
    "loan_term_years": 30,
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      "effective_date": "2025-12-01"
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        "utility": "Air Conditioning",
        "allowance": 12
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      {
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        "utility": "Heating",
        "allowance": 50
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      {
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        "utility": "Other Electric",
        "allowance": 69
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      {
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        "utility": "Range/Microwave",
        "allowance": 3
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      {
        "note": "Property listing states 'appliances: None', so the allowance for a tenant-owned refrigerator is included.",
        "utility": "Refrigerator",
        "allowance": 4
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      {
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        "utility": "Sewer",
        "allowance": 60
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      {
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        "utility": "Trash Collection",
        "allowance": 37
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      {
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        "utility": "Water",
        "allowance": 104
      },
      {
        "note": "The fuel type for water heating is not specified. 'Electric' is selected as it is a common option and is more expensive than 'natural_gas' on the schedule.",
        "utility": "Water Heating",
        "allowance": 29
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    "property_tax_annual": 1190.68,
    "property_tax_monthly": 99.22,
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    "runs": [
      {
        "summary": "Moderate-rehab investment property: cosmetically worn but structurally appears intact from photos. Primary needs are cosmetic repairs, cabinet/fixture replacement, appliance installation, ventilation/grille replacement, smoke/CO detector verification/installation, and basic systems checks (HVAC, electrical panel, hot water). With targeted repairs and system servicing this property is likely to pass an initial HCV/NSPIRE inspection within 30–60 days; recent rental history is a positive indicator. No immediate life-threatening hazards are visible in the photos.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 60.0,
            "rationale": "Interior shows mostly cosmetic deferred maintenance: missing cabinet doors, some open/broken cabinet boxes, worn flooring, carpet with stains, painted surfaces partially worn. Kitchen and bath fixtures present but appliances (stove/refrigerator) not visible. Exterior shows cracked driveway and minor masonry damage at carport wall. No widespread collapsed finishes observed. These are moderate, repairable items — will require moderate work but not major structural rehab."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 60.0,
            "rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no major visible mold). Windows appear present in bedrooms for egress. At least one smoke/CO-style device is visible on interior wall but placement and number are uncertain; some ceiling vent/grille covers are missing. No exposed wiring seen in photos; outlets generally have covers. Entry door appears secure and deadbolt unknown. GFCI presence in kitchen/bath cannot be confirmed. Score reflects moderate NSPIRE risk due to uncertain smoke/CO coverage, missing vent covers, and unverified GFCI and hot-water/electrical panel status."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 55.0,
            "rationale": "Duct/ceiling vents and ceiling return suggest a central HVAC system but no exterior condensing unit or furnace/water heater is visible in photos. Age of home (1958) increases likelihood of system servicing or replacement. Plumbing fixtures (kitchen sink) present but hot-water system and water heater condition are unknown. Electrical panel not shown. Given lack of visible equipment and unknown serviceability, rate as moderate risk needing inspection/possible service."
          },
          {
            "key": "exterior_site",
            "label": "Exterior, Site & Access",
            "score": 60.0,
            "rationale": "Exterior metal roof appears intact from photos (no visible major sagging or active leaks), siding painted, windows in place. Driveway is cracked with vegetation in joints; low masonry wall at carport shows partial failure at the right side which will need repair to prevent further deterioration. Yard is somewhat overgrown. No obvious foundation displacement or large exterior structural failures visible in provided images."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental History (5yr)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
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        "red_flags": [],
        "confidence": 0.6,
        "assumptions": [
          "A central HVAC system exists (venting visible) but condenser/furnace condition is unverified; assume it may need servicing.",
          "Hot water system (water heater) is present and operational unless inspection finds otherwise; not visible in photos.",
          "At least one smoke/CO device is present (visible device in photos) but quantity and placement likely inadequate for full NSPIRE compliance and will need verification/possible additions.",
          "Electrical panel is intact and grounded; no exposed live wiring visible in photos. GFCI protection in kitchen/bath is unverified.",
          "No active roof leaks or major hidden structural failures (sagging, foundation movement) beyond visible minor exterior masonry damage, based on interior ceiling condition.",
          "Appliances (stove/refrigerator) are not present in photos and will need to be provided; missing appliances reduce readiness but are considered moderate repairs, not an immediate safety failure."
        ],
        "overall_score": 64.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Moderate repair property. Structure and interior shell appear serviceable with no visible catastrophic structural failures, but there are multiple moderate NSPIRE risks and unknowns (smoke/CO detectors, GFCI outlets, hot water, HVAC/electrical panel) that require verification and remediation. Typical work to reach Section 8 inspection pass: install/confirm smoke & CO alarms, install GFCI outlets where required, secure entry with deadbolt, repair/secure carport low wall and driveway trip hazards, replace/repair missing cabinet doors, install appliances, and service major systems as needed. Based on photos and listing, expect 30–60 days and moderate renovation budget to achieve voucher-ready condition. Rental history is recent (bonus).",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 65.0,
            "rationale": "Interior finishes are generally intact but show deferred maintenance: kitchen cabinets have missing doors/hinges, some cabinet bases open, flooring is patched/worn, carpeting in living room appears stained and may need replacement, scattered debris present. No obvious collapsed ceilings or large-scale water damage in photos. Missing kitchen appliances (stove/fridge) visible — reduces turnkey readiness but is a repair/capital item rather than immediate safety hazard."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risks (NSPIRE)",
            "score": 60.0,
            "rationale": "No visible exposed wiring in photos and bedroom windows provide egress. However smoke/CO detection is not clearly visible on ceilings (one small round device is seen high on a wall in bedrooms but location and functionality are unconfirmed) and GFCI presence in kitchen/bath is not shown. Entry door has a knob but a keyed deadbolt is not visible. No visible mold, major trip hazards inside, or active leaks shown. Exterior carport/driveway areas have uneven/cracked concrete and a failing low wall that are trip/fall hazards that would need repair. Overall this is moderate NSPIRE risk until detectors, GFCI, and door security are confirmed/installed."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 55.0,
            "rationale": "Photos show ceiling round vents and ceiling fans (indicating some forced-air ducting or at least passive vents), and a kitchen sink (plumbing present). No HVAC unit, water heater, or electrical panel are shown for verification. Roof appears to be metal and generally intact from the photo but has visible surface rust/age. Given property age (1958) and limited system photos, mechanical systems require inspection and likely service; uncertainty about hot water, heating/AC operation, and electrical panel condition reduces score."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 58.0,
            "rationale": "Exterior shell appears generally intact with painted siding and a metal roof. Driveway is cracked with vegetation in joints; the carport concrete and adjacent low wall show deterioration and localized collapse which are safety/maintenance issues. Yard is somewhat overgrown. No visible major foundation settlement or sagging observed in provided photos, but site work is needed (driveway/carport repairs, landscaping, loose masonry)."
          },
          {
            "key": "rental_history_activity",
            "label": "Rental History / Recent Activity (5y)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Cracked/uneven driveway and failing low retaining wall at the carport (trip/fall hazard and localized structural failure of low wall).",
          "No clearly visible, properly-located smoke detectors on ceilings in sleeping areas — likely requires installation to meet NSPIRE."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Kitchen appliances (stove and refrigerator) are not present and would need installation; their absence was treated as a moderate reduction in condition score rather than a fail.",
          "Smoke and carbon monoxide detectors are not reliably visible on ceilings in photos; assume either missing or improperly located and will need installation/verification.",
          "HVAC exists or ducting exists (ceiling round vents visible), but operation and presence of an outdoor compressor or furnace are not verified — contractor inspection required.",
          "Water heater, hot water supply, and main electrical panel locations were not photographed; assume functional but unverified and include potential risk for systems remediation.",
          "No evidence of active roof leaks, major foundation movement, collapsed ceilings, or severe mold were visible in the supplied photos; those conditions are assumed absent unless later inspection shows otherwise.",
          "Entry door lockset has a knob; presence of a keyed deadbolt is not confirmed. A deadbolt will likely be required for Section 8 compliance if absent.",
          "Bathroom condition and plumbing fixtures were not photographed; assumed functional but need verification for hot water and GFCI as applicable."
        ],
        "overall_score": 60.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall the property appears structurally intact with moderate cosmetic and service items to repair. Likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after straightforward repairs (install/verify smoke alarms in required locations, replace fixture covers, repair cabinet doors, address trip hazards on driveway/retaining wall, install required GFCI protection in kitchen and bathroom, provide functioning HVAC and hot water evidence). Major systems (HVAC, water heater, electrical panel) were not photographed so functionality must be verified; these unknowns are the main drivers of inspection risk. With targeted corrective work the house is rentable in 2–6 weeks; current condition suggests a likely pass only after these fixes are completed and documentation of functioning systems is provided.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Interior shows cosmetic updates and moderate deferred maintenance: several cabinet doors missing, some cabinet hardware and trim detached, ceiling light/fixture covers missing, flooring mixed condition (vinyl and painted wood with wear), debris and minor surface damage. Exterior has cracked/uneven driveway and worn carport flooring. No evidence of major structural collapse or extensive water damage in the photos. Missing appliances (stove/refrigerator) are observed and reduce readiness moderately but are not automatic inspection failures."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk (NSPIRE)",
            "score": 60.0,
            "rationale": "Visible safety items mixed: bedrooms have windows that appear to provide egress; outlets and switches appear installed with covers in most locations. I can only identify one round detector device (likely a smoke/CO unit) in a bedroom area — there is no clear photo showing smoke alarms outside sleeping areas or on each level. Ceiling vent openings have exposed annular gaps where diffusers/covers are missing. No exposed live wiring or obvious electrical hazards in photos, but electrical panel and GFCI protection at kitchen sink are not shown. Driveway and low retaining wall areas show trip/fall hazards. Bathroom, water heater and HVAC equipment are not pictured, creating uncertainty about hot water and appliance-required detectors. Because required alarm placement and GFCI presence cannot be confirmed, there is moderate NSPIRE risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
            "score": 55.0,
            "rationale": "Ceiling vents and return grilles visible, indicating central HVAC ducting, but no HVAC unit or water heater is pictured and functionality is unconfirmed. Kitchen plumbing fixtures (double sink) present; no visible leaks in photos. Roof is a standing-seam/metal type that appears intact from the small exterior photo but shows localized rust/vegetation in one valley area which increases future leak risk. Electrical panel not shown; no clear evidence of GFCI in kitchen. Given the absence of photographed mechanical equipment and missing service details, systems score is reduced for uncertainty and moderate repair risk."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 60.0,
            "rationale": "Exterior siding and paint appear serviceable though dated; metal roof generally intact. Driveway has several large cracks and vegetation intrusion creating trip hazards; a low brick/retaining wall at the carport appears damaged/collapsed at one end. Yard slopes down from the house; drainage details and downspout terminations are not visible. No obvious active standing water or major foundation displacement was visible in listed photos, but exterior maintenance and concrete repairs are 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": [
          "No confirmed smoke detectors outside sleeping areas / on each level (may cause NSPIRE failure).",
          "Large cracks and uneven concrete in driveway creating trip hazards.",
          "Partial deterioration/collapse of low retaining/brick wall at carport — potential fall/trip hazard.",
          "Missing ceiling diffuser/cover around HVAC openings (visible open duct holes) — possible airflow/ fire barrier concern and evidence of incomplete mechanical finish work."
        ],
        "confidence": 0.6,
        "assumptions": [
          "No photos of bathroom, water heater, HVAC outdoor unit, or electrical panel were provided; assumed plumbing and electrical are present but unverified and may require servicing.",
          "Presence of at least one smoke/CO detector observed in a bedroom; assumed there are not yet alarms in all required locations (outside sleeping areas / each level) because photos do not show them.",
          "Central HVAC is inferred from visible ceiling vents/returns but the system's operational status is unknown.",
          "No visible major foundation cracks, structural sagging, collapsed ceilings, or active roof leaks in the photos; assumed no catastrophic structural failure.",
          "Listing 'sold as-is' and 'additional TLC needed' indicates owner has completed some repairs but remaining repairs are expected; missing appliances (stove/fridge) will be supplied by owner or installed prior to rental or by tenant per lease — absence reduces readiness but is not treated as a critical safety failure."
        ],
        "overall_score": 62.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "2646 Revere St, Jackson, MS, 39212",
    "aggregate": {
      "summary": "Moderate-rehab investment property: cosmetically worn but structurally appears intact from photos. Primary needs are cosmetic repairs, cabinet/fixture replacement, appliance installation, ventilation/grille replacement, smoke/CO detector verification/installation, and basic systems checks (HVAC, electrical panel, hot water). With targeted repairs and system servicing this property is likely to pass an initial HCV/NSPIRE inspection within 30–60 days; recent rental history is a positive indicator. No immediate life-threatening hazards are visible in the photos.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 65.0,
          "rationale": "Interior shows mostly cosmetic deferred maintenance: missing cabinet doors, some open/broken cabinet boxes, worn flooring, carpet with stains, painted surfaces partially worn. Kitchen and bath fixtures present but appliances (stove/refrigerator) not visible. Exterior shows cracked driveway and minor masonry damage at carport wall. No widespread collapsed finishes observed. These are moderate, repairable items — will require moderate work but not major structural rehab."
        },
        {
          "key": "exterior_site",
          "label": "Exterior, Site & Access",
          "score": 59.3,
          "rationale": "Exterior metal roof appears intact from photos (no visible major sagging or active leaks), siding painted, windows in place. Driveway is cracked with vegetation in joints; low masonry wall at carport shows partial failure at the right side which will need repair to prevent further deterioration. Yard is somewhat overgrown. No obvious foundation displacement or large exterior structural failures visible in provided images."
        },
        {
          "key": "rental_history_activity",
          "label": "Recent Rental History (5yr)",
          "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 Compliance Risk",
          "score": 60.0,
          "rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no major visible mold). Windows appear present in bedrooms for egress. At least one smoke/CO-style device is visible on interior wall but placement and number are uncertain; some ceiling vent/grille covers are missing. No exposed wiring seen in photos; outlets generally have covers. Entry door appears secure and deadbolt unknown. GFCI presence in kitchen/bath cannot be confirmed. Score reflects moderate NSPIRE risk due to uncertain smoke/CO coverage, missing vent covers, and unverified GFCI and hot-water/electrical panel status."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems & Mechanical",
          "score": 55.0,
          "rationale": "Duct/ceiling vents and ceiling return suggest a central HVAC system but no exterior condensing unit or furnace/water heater is visible in photos. Age of home (1958) increases likelihood of system servicing or replacement. Plumbing fixtures (kitchen sink) present but hot-water system and water heater condition are unknown. Electrical panel not shown. Given lack of visible equipment and unknown serviceability, rate as moderate risk needing inspection/possible service."
        }
      ],
      "red_flags": [],
      "confidence": 0.92,
      "assumptions": [
        "A central HVAC system exists (venting visible) but condenser/furnace condition is unverified; assume it may need servicing.",
        "Hot water system (water heater) is present and operational unless inspection finds otherwise; not visible in photos.",
        "At least one smoke/CO device is present (visible device in photos) but quantity and placement likely inadequate for full NSPIRE compliance and will need verification/possible additions.",
        "Electrical panel is intact and grounded; no exposed live wiring visible in photos. GFCI protection in kitchen/bath is unverified.",
        "No active roof leaks or major hidden structural failures (sagging, foundation movement) beyond visible minor exterior masonry damage, based on interior ceiling condition.",
        "Appliances (stove/refrigerator) are not present in photos and will need to be provided; missing appliances reduce readiness but are considered moderate repairs, not an immediate safety failure."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 60.3,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7303983037"
  }
}

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