Property ID: 7328392749
372 E Madison St, Bolton, MS, 39041
Bolton, MS
Money Down: $13,176
CoC Return: 18.39%
Monthly Cash Flow: $202
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$10,980
Closing Costs
$2,196
Total Down
$13,176
Investment Snapshot
Purchase Price
$54,900
Money Down
$13,176
Cash-on-Cash Return
18.39%
Rent
$631
Monthly Cash Flow
$202
Annual Cash Flow
$2,423
Debt Service / Mo
$292
Property Tax / Mo
$47
Insurance / Mo
$27
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$631
Payment Standard
$1,010
Rent
$631
Insurance
$27
Property Tax
$47
Management
$63
Utilities Allowance
$379
NOI (Monthly)
$494
Debt Service
$292
Cash Flow After Debt
$202
Quality Score: 62.80%
Confidence: 92.00%
This 3-bed, 2-bath single family home shows moderate cosmetic deferred maintenance but no obvious structural collapse. Key safety issues to address before a Section 8 / HCV inspection: repair/cover exposed electrical outlets and holes, verify/replace/install GFCI protection in kitchen and baths, confirm and/or install required smoke and CO detectors throughout, verify safe heating system (replace or remove unvented portable heater if required), and repair kitchen cabinets/counter edges and floor refinishing as needed. With 2–6 weeks of focused repairs and system verifications (electrical fixes, detectors, minor kitchen/bath work, confirm HVAC and water heater operation), the unit could be brought to NSPIRE-ready condition.
Section 8 Payment Standard
$1,010
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$631
Property Management
$63
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$54,900
Beds
3
Baths
2
Living Area
764 sqft
Lot Size
14,375 sqft
Year Built
1968
Days on Market
77
Capital Outlay
$13,176
Debt Service
$292
Property Tax / Mo
$47
Insurance / Mo
$27
Property Description
Located less than 2 miles from the Continental Tire Plant this property is located between Bolton & Clinton. It features 3 bedrooms and 2 baths with a functional kitchen and great room. The appears bigger than the sq footage listed, but it has not been measured.
Utility Allowances
Heating
$50
Property has central heating. Assumed to be electric as gas is not mentioned. The 'Electric' option ($50) was chosen over 'Electric Heat Pump' ($19) as it's the more expensive default in case of ambiguity.
Cooking
$11
Property has a kitchen with a stove. Assumed to be electric as gas is not mentioned in the property details.
Water Heating
$29
Property has a water heater. Assumed to be electric as gas is not mentioned as an available utility.
Other Electric
$69
This is a standard allowance for general electricity use (lights, outlets, etc.) in a home.
Air Conditioning
$12
Property is listed as having 'Central Air' cooling.
Water
$104
Property is connected to public water, as stated in the utility details.
Sewer
$60
Sewer is listed as 'Unknown', but it is inferred to be public sewer because the property uses a public water source.
Trash Collection
$37
This is a standard municipal service allowance for a single-family home.
Refrigerator
$4
The property listing does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned and the corresponding allowance is applied.
Range/Microwave
$3
The property listing does not explicitly state a microwave is provided, so it is assumed to be tenant-owned and the corresponding allowance is applied.
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$312
DP3 Annual Estimate$326
DP1 Monthly Equivalent$26
DP3 Monthly Equivalent$27
Replacement Value$18,370
Basis764 sqft / 1968
Nearby Houses
Photo unavailable
213 E Madison St
for_sale · 0.39 mi
Price: $129,900
2 bd / 1 ba · 1,291 sqft
Latest sale: — on Sep 07, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Electrical hazards: missing outlet/box covers and open cutouts visible (immediate repair required).
- Unvented/portable living-room heater present — may be unsafe or not code-compliant if used as primary heat source.
- GFCI protection not evident at kitchen outlets (and not verifiable in bathrooms) — likely code/inspection issue.
Assumptions
- Only photos and listing text were provided; no interior mechanical systems (electrical panel, HVAC condenser, water heater) were shown, so their presence and operational status are assumed but unverified.
- A central HVAC system is assumed to exist because ceiling supply/return registers and a vent hood are visible; its operational condition is unknown.
- Hot water availability is assumed but not verified from photos.
- Only one smoke detector is visible in photos; additional detectors and CO alarms required by local code/NSPIRE may be missing and should be installed.
- Refrigerator is not shown; lack of fridge is considered a moderate (non-safety) deficiency and is assumed removable with a moderate cost.
- No evidence of major hidden structural issues (foundation movement, sagging roof) was visible in photos; absence of visible distress is assumed indicative of no major structural failure.
- Property built in 1968 — potential lead-based paint risk exists in untested painted surfaces and should be assumed until tested/abated.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $550 | $24,370 | $3,656 |
| 2023 | $551 | $24,370 | $3,656 |
| 2021 | $258 | $24,370 | $2,437 |
| 2020 | $252 | $24,160 | $2,416 |
| 2019 | $251 | $24,160 | $2,416 |
| 2018 | $251 | $24,160 | $2,416 |
| 2017 | $251 | $24,160 | $2,416 |
| 2016 | $244 | $24,160 | $2,416 |
| 2015 | $238 | $23,450 | $2,345 |
| 2014 | $233 | $23,450 | $2,345 |
| 2013 | $224 | $23,450 | $2,345 |
| 2012 | $224 | $23,450 | $2,345 |
| 2011 | $232 | $24,460 | $2,446 |
| 2010 | $229 | $24,460 | $2,446 |
| 2009 | $229 | $24,460 | $2,446 |
| 2008 | $235 | $19,330 | $2,900 |
| 2007 | $405 | $19,330 | $2,900 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-03 | Price Changed | $54,900 |
| 2026-01-03 | Price Changed | $64,900 |
| 2025-12-01 | Listed | $79,900 |
Photo Gallery
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"event_name": "Price Changed",
"price_sqft": 84.94764397905759,
"source_name": "MLSUnited",
"price_change": -15000,
"days_after_listed": null,
"source_listing_id": "4132847",
"price_change_percentage": null
},
{
"date": "2025-12-01",
"price": 79900,
"listing": {
"status": "for_sale",
"list_date": "2025-12-01T19:30:56Z",
"list_price": 54900,
"listing_id": "2989099729",
"last_update_date": "2026-02-03T22:47:36Z",
"last_status_change_date": "2025-12-01T19:30:56Z"
},
"event_name": "Listed",
"price_sqft": 104.58115183246073,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4132847",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7328392749",
"generated_at": "2026-02-16T22:01:53.312311Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 62.8
},
"utility_allowance": {
"zip_code": "39041",
"home_photo": "https://ap.rdcpix.com/92a365ef7eb350eff9fb7c5a85213482l-m1175599635s-w1280.jpg",
"rent_price": 631.0,
"loan_amount": 43920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/372-E-Madison-St_Bolton_MS_39041_M73283-92749",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 54900.0,
"loan_term_years": 30,
"annual_cash_flow": 5929.3,
"mortgage_monthly": 292.2,
"payment_standard": 1010.0,
"total_amount_out": 10980.0,
"additional_photos": [
"https://ap.rdcpix.com/92a365ef7eb350eff9fb7c5a85213482l-m1876930665s-w1280.jpg",
"https://ap.rdcpix.com/92a365ef7eb350eff9fb7c5a85213482l-m3488605321s-w1280.jpg",
"https://ap.rdcpix.com/92a365ef7eb350eff9fb7c5a85213482l-m793202046s-w1280.jpg",
"https://ap.rdcpix.com/92a365ef7eb350eff9fb7c5a85213482l-m3732922322s-w1280.jpg",
"https://ap.rdcpix.com/92a365ef7eb350eff9fb7c5a85213482l-m2359837788s-w1280.jpg",
"https://ap.rdcpix.com/92a365ef7eb350eff9fb7c5a85213482l-m3732912441s-w1280.jpg",
"https://ap.rdcpix.com/92a365ef7eb350eff9fb7c5a85213482l-m509903804s-w1280.jpg",
"https://ap.rdcpix.com/92a365ef7eb350eff9fb7c5a85213482l-m1302185120s-w1280.jpg",
"https://ap.rdcpix.com/92a365ef7eb350eff9fb7c5a85213482l-m1755351907s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 26.58,
"monthly_cash_flow": 494.11,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Property has central heating. Assumed to be electric as gas is not mentioned. The 'Electric' option ($50) was chosen over 'Electric Heat Pump' ($19) as it's the more expensive default in case of ambiguity.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Property has a kitchen with a stove. Assumed to be electric as gas is not mentioned in the property details.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Property has a water heater. Assumed to be electric as gas is not mentioned as an available utility.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "This is a standard allowance for general electricity use (lights, outlets, etc.) in a home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property is listed as having 'Central Air' cooling.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Property is connected to public water, as stated in the utility details.",
"utility": "Water",
"allowance": 104
},
{
"note": "Sewer is listed as 'Unknown', but it is inferred to be public sewer because the property uses a public water source.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "This is a standard municipal service allowance for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property listing does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned and the corresponding allowance is applied.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property listing does not explicitly state a microwave is provided, so it is assumed to be tenant-owned and the corresponding allowance is applied.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.54,
"down_payment_amount": 10980.0,
"property_tax_annual": 566.5,
"property_tax_monthly": 47.21,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://tools.usps.com/zip-code-lookup.htm",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39041/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2422.89,
"property_management_monthly": 63.1,
"monthly_cash_flow_after_debt": 201.91,
"cash_on_cash_return_after_debt": 0.22
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed, 2-bath single family home shows moderate cosmetic deferred maintenance but no obvious structural collapse. Key safety issues to address before a Section 8 / HCV inspection: repair/cover exposed electrical outlets and holes, verify/replace/install GFCI protection in kitchen and baths, confirm and/or install required smoke and CO detectors throughout, verify safe heating system (replace or remove unvented portable heater if required), and repair kitchen cabinets/counter edges and floor refinishing as needed. With 2–6 weeks of focused repairs and system verifications (electrical fixes, detectors, minor kitchen/bath work, confirm HVAC and water heater operation), the unit could be brought to NSPIRE-ready condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior shows moderate deferred maintenance: worn and stained wood flooring in multiple rooms, scuffed/peeling paint, missing cabinet drawer and damaged kitchen cabinet faces/counter edge, and some patched wall areas. Kitchen has a gas range present but cabinetry and counters need repair; refrigerator not shown. Bathrooms have fixtures in place though tub is discolored. These are largely cosmetic and finish/fixture repairs (moderate scope) and should be repairable without major structural work."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "One smoke detector is visible in a common area (positive), bedroom egress windows appear present, and doors/windows appear intact. However there are safety concerns: several electrical outlet/box covers are missing or cutouts visible (kitchen and bedroom), an open hole near an outlet is visible — an electrical hazard. A portable unvented heater is present in the living room which may not meet local code or safe venting requirements. GFCI protection for kitchen/bath circuits is not verifiable and appears absent at visible kitchen outlets. No obvious severe mold, collapsed ceilings, or major structural sagging were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Plumbing fixtures (sinks, toilets, tub/shower) and a gas range are present and look intact; bathroom tile surround appears serviceable. Ceiling registers and a vent hood suggest a central HVAC/duct system exists but no exterior condenser or furnace was photographed — operation unverified. Electrical panel was not photographed; visible outlets show missing covers which is a maintenance/electrical issue. Roof shingles show age and dark staining but no visible sagging or active leaks in interior photos. Water heater and main service conditions are not shown. Overall system condition appears fair but unverified and requires testing/repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior and lot are generally in good condition: level yard, solid driveway/carport, intact fencing, and siding in acceptable repair. The attached carport structure looks sound. Roof shows aging (shingle staining) but no visible collapse. Yard/walkways present no obvious trip hazards. No visible standing water or active exterior deterioration that would be an immediate inspection failure."
}
],
"red_flags": [
"Electrical hazards: missing outlet/box covers and open cutouts visible (immediate repair required).",
"Unvented/portable living-room heater present — may be unsafe or not code-compliant if used as primary heat source.",
"GFCI protection not evident at kitchen outlets (and not verifiable in bathrooms) — likely code/inspection issue."
],
"confidence": 0.7,
"assumptions": [
"Only photos and listing text were provided; no interior mechanical systems (electrical panel, HVAC condenser, water heater) were shown, so their presence and operational status are assumed but unverified.",
"A central HVAC system is assumed to exist because ceiling supply/return registers and a vent hood are visible; its operational condition is unknown.",
"Hot water availability is assumed but not verified from photos.",
"Only one smoke detector is visible in photos; additional detectors and CO alarms required by local code/NSPIRE may be missing and should be installed.",
"Refrigerator is not shown; lack of fridge is considered a moderate (non-safety) deficiency and is assumed removable with a moderate cost.",
"No evidence of major hidden structural issues (foundation movement, sagging roof) was visible in photos; absence of visible distress is assumed indicative of no major structural failure.",
"Property built in 1968 — potential lead-based paint risk exists in untested painted surfaces and should be assumed until tested/abated."
],
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/2BA single-family shows mostly cosmetic and moderate interior repair needs with some localized safety/code issues (exposed outlet boxes and missing covers, no visible CO alarm). Major structural failure is not evident in photos. With targeted corrections — cover exposed electrical boxes, install/verify smoke and CO detectors and GFCIs, repair/replace damaged kitchen cabinets and drawer, refinish or repair flooring, patch/paint walls and replace outlet covers — the property appears likely to pass an initial HCV/NSPIRE inspection within ~2–6 weeks depending on confirmation and servicing of HVAC, water heater and electrical panel. Budget for system verification and basic trade work before listing as Section 8 ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 65.0,
"rationale": "House shows mostly cosmetic and mid-level repair needs: worn hardwood and laminate floors with staining and finish failure in multiple rooms, scuffed/dirty walls that need patching and paint, several damaged or missing cabinet faces/drawers in the kitchen, countertop edge damage, and missing outlet/switch covers visible in photos. A gas range is present but refrigerator not shown. No signs of collapsed ceilings or major structural collapse. These are repair- and carpentry-focused items that should be addressable within a moderate rehab scope."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "A ceiling-mounted smoke detector is visible (positive). Bedrooms have windows that appear to provide egress. However there are exposed/uncovered electrical boxes and open outlets visible in the kitchen (electrical hazards), which under NSPIRE would need immediate correction. No carbon-monoxide alarm is visible (likely required where gas appliances are present). No obvious major water stains or roof sagging were observed. Entry door appears intact but deadbolt presence not confirmed. GFCI presence at kitchen sink is not visible. Overall moderate safety risk driven by electrical cover/open-box issues and missing CO/GFCI verification."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 60.0,
"rationale": "Photos show ceiling supply vent(s) indicating central HVAC ducting, and a freestanding/vented gas wall heater is present in the living area — suggests heating exists but operational status unknown. A gas range and sink fixtures are present in the kitchen; bathroom fixtures appear intact (sink, toilet, tub). Roof shingles appear aged but no obvious large failures or sagging are visible from provided front elevation. Electrical panel, water heater and furnace/AC equipment are not shown; functionality of major systems is therefore unconfirmed and should be verified. Given visible intact fixtures and absence of structural/system distress, score reflects acceptable but unverified systems that may need service."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 80.0,
"rationale": "Exterior appearance is generally sound: painted siding in good condition, intact carport and concrete driveway, fenced yard and level lot with no visible standing water. Roof shows normal aging and gutters/downspouts are present. Foundation/grade appears stable from photos with no visible major cracks or settlement. Yard and walkways are serviceable. Exterior issues are largely minimal or cosmetic."
}
],
"red_flags": [
"Exposed electrical/open outlet boxes and missing outlet covers in kitchen (electrical hazard)",
"No visible carbon monoxide alarm despite presence of gas range and possible gas heater (CO alarm required in many jurisdictions)",
"Multiple open/damaged kitchen cabinet faces/drawers and countertop edge damage (trip/abrasion hazards and leaseability issue until fixed)",
"Unknown condition of central HVAC, water heater and electrical panel (systems unverified from photos)"
],
"confidence": 0.75,
"assumptions": [
"Only interior photos and one front exterior photo were provided; major mechanical equipment (furnace/AC unit, water heater, electrical panel) are not pictured — assumed present but unverified.",
"A gas range is present and assumed connected; a refrigerator is not visible and is assumed not included as shown.",
"One smoke detector is visible; additional detectors and a carbon monoxide alarm are not shown and are assumed missing until verified.",
"No active roof leaks, major foundation movement, or concealed mold/rot were observed in photos and are assumed absent, but interior inspections may reveal otherwise.",
"GFCI protection at kitchen and bathroom receptacles is not visible and is assumed absent until confirmed."
],
"overall_score": 65.0,
"rubric_version": "NSPIRE-2026-1.0"
},
{
"summary": "Likely a Section 8 inspection pass after addressing a short list of safety and cosmetic repairs. Key fixes before initial HCV inspection should include correcting exposed wiring/missing outlet covers, repairing or removing the portable gas heater or ensuring safe, permitted fixed heating, installing/confirming CO alarm coverage, repairing damaged kitchen cabinets/counters, replacing missing outlet/switch covers, and a basic systems check (HVAC, water heater, electrical panel). The property shows no visible structural collapse or severe water intrusion, but several mechanical and electrical verifications are required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior shows moderate deferred maintenance: worn/uneven wood floors, scuffed/dirty walls, missing cabinet drawers and damaged kitchen cabinet faces, and general cosmetic deterioration. Kitchen has a range present but cabinets/counter edges need repair. Bathrooms appear intact but cosmetic patches visible. Missing appliance (refrigerator not pictured) and several cosmetic repairs required — these are straightforward but non-trivial. No evidence of collapsed ceilings or severe structural damage in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 60.0,
"rationale": "A ceiling-mounted smoke detector is visible in a common area (positive). However there are exposed/open electrical locations (missing faceplate and an open cable hole visible in a bedroom) which are electrical-safety risks that must be corrected. No carbon monoxide alarm is visible. Entry door hardware (deadbolt) is not clearly shown. Windows appear present for egress but bedroom window sizes cannot be confirmed from photos. No visible active leaks, collapsed ceilings, or major foundation movement were observed. GFCI presence in kitchen/bath not documented (kitchen outlets shown without covers)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical (HVAC/Plumbing/Electrical)",
"score": 55.0,
"rationale": "A ceiling HVAC supply/return register is visible in the living area suggesting central HVAC exists, but there is no photo confirmation that the system is functional (thermostat/HVAC unit not shown). A portable gas heater is present on the living-room floor — this suggests either supplemental heating or an inoperative primary heating system and raises a potential combustion venting concern. Plumbing fixtures (toilet, sink, tub/shower) are installed and appear intact; hot water system not shown. Electrical panel not shown. Overall, major systems are present but functionality and safety of some items (heating, electrical) are unverified and need inspection/repair."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior curb view shows an intact siding finish, fenced yard, covered carport, and a driveway in serviceable condition. Roof shingles look aged but no obvious sagging or active roof collapse visible in the photos. Yard is maintained and level, with no visible standing water or major site hazards. Minor wear to gutters/roof edges may exist but nothing indicating immediate structural failure from exterior photos."
}
],
"red_flags": [
"Exposed electrical wiring / missing outlet and switch covers (electrical hazard)",
"Portable/space gas heater observed in living area — potential unsafe combustion appliance or indicator of primary heating issues (venting/CO risk)"
],
"confidence": 0.62,
"assumptions": [
"Central HVAC exists (visible ceiling register) but its operational status is unknown; functional HVAC would be verified by an in-person test.",
"Water heater and main electrical panel are present on the property but were not photographed; their condition is unknown.",
"Refrigerator is not present / not pictured; stove/range is present and visually appears connected but gas/electrical connection safety has not been verified.",
"Only one smoke detector was visible in photos; additional detectors and CO alarms may be required per code and are assumed absent unless provided.",
"Bedroom window egress dimensions cannot be verified from photos; I assume they meet local minimums but this must be confirmed onsite.",
"No active roof leaks or major foundation movement were visible from exterior/interior photos; severe hidden issues cannot be ruled out without an in-person inspection.",
"No evidence of severe mold, pest infestation, or water intrusion was visible in the photos; localized stains exist but do not appear widespread."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "372 E Madison St, Bolton, MS, 39041",
"aggregate": {
"summary": "This 3-bed, 2-bath single family home shows moderate cosmetic deferred maintenance but no obvious structural collapse. Key safety issues to address before a Section 8 / HCV inspection: repair/cover exposed electrical outlets and holes, verify/replace/install GFCI protection in kitchen and baths, confirm and/or install required smoke and CO detectors throughout, verify safe heating system (replace or remove unvented portable heater if required), and repair kitchen cabinets/counter edges and floor refinishing as needed. With 2–6 weeks of focused repairs and system verifications (electrical fixes, detectors, minor kitchen/bath work, confirm HVAC and water heater operation), the unit could be brought to NSPIRE-ready condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 61.7,
"rationale": "Interior shows moderate deferred maintenance: worn and stained wood flooring in multiple rooms, scuffed/peeling paint, missing cabinet drawer and damaged kitchen cabinet faces/counter edge, and some patched wall areas. Kitchen has a gas range present but cabinetry and counters need repair; refrigerator not shown. Bathrooms have fixtures in place though tub is discolored. These are largely cosmetic and finish/fixture repairs (moderate scope) and should be repairable without major structural work."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.3,
"rationale": "Exterior and lot are generally in good condition: level yard, solid driveway/carport, intact fencing, and siding in acceptable repair. The attached carport structure looks sound. Roof shows aging (shingle staining) but no visible collapse. Yard/walkways present no obvious trip hazards. No visible standing water or active exterior deterioration that would be an immediate inspection failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 58.3,
"rationale": "One smoke detector is visible in a common area (positive), bedroom egress windows appear present, and doors/windows appear intact. However there are safety concerns: several electrical outlet/box covers are missing or cutouts visible (kitchen and bedroom), an open hole near an outlet is visible — an electrical hazard. A portable unvented heater is present in the living room which may not meet local code or safe venting requirements. GFCI protection for kitchen/bath circuits is not verifiable and appears absent at visible kitchen outlets. No obvious severe mold, collapsed ceilings, or major structural sagging were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 58.3,
"rationale": "Plumbing fixtures (sinks, toilets, tub/shower) and a gas range are present and look intact; bathroom tile surround appears serviceable. Ceiling registers and a vent hood suggest a central HVAC/duct system exists but no exterior condenser or furnace was photographed — operation unverified. Electrical panel was not photographed; visible outlets show missing covers which is a maintenance/electrical issue. Roof shingles show age and dark staining but no visible sagging or active leaks in interior photos. Water heater and main service conditions are not shown. Overall system condition appears fair but unverified and requires testing/repairs."
}
],
"red_flags": [
"Electrical hazards: missing outlet/box covers and open cutouts visible (immediate repair required).",
"Unvented/portable living-room heater present — may be unsafe or not code-compliant if used as primary heat source.",
"GFCI protection not evident at kitchen outlets (and not verifiable in bathrooms) — likely code/inspection issue."
],
"confidence": 0.92,
"assumptions": [
"Only photos and listing text were provided; no interior mechanical systems (electrical panel, HVAC condenser, water heater) were shown, so their presence and operational status are assumed but unverified.",
"A central HVAC system is assumed to exist because ceiling supply/return registers and a vent hood are visible; its operational condition is unknown.",
"Hot water availability is assumed but not verified from photos.",
"Only one smoke detector is visible in photos; additional detectors and CO alarms required by local code/NSPIRE may be missing and should be installed.",
"Refrigerator is not shown; lack of fridge is considered a moderate (non-safety) deficiency and is assumed removable with a moderate cost.",
"No evidence of major hidden structural issues (foundation movement, sagging roof) was visible in photos; absence of visible distress is assumed indicative of no major structural failure.",
"Property built in 1968 — potential lead-based paint risk exists in untested painted surfaces and should be assumed until tested/abated."
],
"score_method": "mean_of_criteria",
"overall_score": 62.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7328392749"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.