Property ID: 7328476727
213 E Madison St, Bolton, MS, 39041
Bolton, MS
Money Down: $31,176
CoC Return: -11.58%
Monthly Cash Flow: $-301
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,980
Closing Costs
$5,196
Total Down
$31,176
Investment Snapshot
Purchase Price
$129,900
Money Down
$31,176
Cash-on-Cash Return
-11.58%
Rent
$550
Monthly Cash Flow
$-301
Annual Cash Flow
$-3,611
Debt Service / Mo
$691
Property Tax / Mo
$51
Insurance / Mo
$54
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$550
Payment Standard
$840
Rent
$550
Insurance
$54
Property Tax
$51
Management
$55
Utilities Allowance
$290
NOI (Monthly)
$390
Debt Service
$691
Cash Flow After Debt
$-301
Quality Score: 62.60%
Confidence: 92.00%
Overall the property appears to be a livable AS-IS REO with mostly cosmetic and moderate repair items. It is likely to pass an initial HCV/NSPIRE inspection after minor repairs and verifications (install/confirm smoke/CO/GFCI devices, repair/secure front steps if a handrail is required, provide working kitchen appliances or document provided utilities, verify HVAC and hot water operation). Major structural or life-safety failures are not evident in photos, but key systems were not shown and must be verified. Estimated time-to-rent: minor repairs and verifications within 2–6 weeks depending on system tests and appliance installation.
Section 8 Payment Standard
$840
Utility Allowance Total
$290
Guaranteed Section 8 Rent (PS - Utilities)
$550
Property Management
$55
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,900
Beds
2
Baths
1
Living Area
1,291 sqft
Lot Size
28,750 sqft
Year Built
1950
Days on Market
101
Capital Outlay
$31,176
Debt Service
$691
Property Tax / Mo
$51
Insurance / Mo
$54
Property Description
Charming Bolton Home with Endless Potential! This home is a REO property being sold AS-IS, WHERE-IS with no disclosures or warranties. If you've been searching for a property full of untapped potential, look no further than this hidden gem in the heart of Bolton, Mississippi. This two-bedroom, one-bath home offers a spacious and open living area filled with natural light, perfect for relaxing or entertaining guests. The kitchen provides plenty of space for cooking and storage, and the two bedrooms share a conveniently located hall bath. Step outside to enjoy the large backyard with beautiful shade trees-an ideal spot for outdoor gatherings or peaceful afternoons. Adding even more value, this property includes an apartment above the two-car garage, complete with a kitchenette, full bath, and an open studio-style living and bedroom area. Don't miss your chance to make this versatile property yours-call your agent today to schedule your private showing!
Utility Allowances
Air Conditioning
$10
Property has 'Central Air' cooling, so the fixed allowance for a 2-bedroom unit is included.
Cooking
$6
Selected 'Natural Gas' as the property listing specifics a 'Free-Standing Gas Range'.
Heating
$17
Selected 'Natural Gas' for 'Central' heating. Fuel type was not specified, so natural gas was inferred based on the presence of a gas range.
Other Electric
$56
Standard allowance for general tenant electrical usage like lights and wall outlets.
Range/Microwave
$3
The property includes a gas range but a microwave is not mentioned. This allowance is included for the electrical components of the range and a tenant-provided microwave.
Refrigerator
$4
The property description does not mention a refrigerator being provided, so the tenant-paid allowance is included.
Sewer
$49
The property listing explicitly states it uses 'Public Sewer'.
Trash Collection
$37
Included as a standard tenant expense for a single-family home.
Water
$93
The property listing explicitly states the 'Water Source: Public'.
Water Heating
$15
Selected 'Natural Gas' for water heating. The fuel type was not specified, so natural gas was inferred based on the presence of other gas appliances.
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$629
DP3 Annual Estimate$658
DP1 Monthly Equivalent$52
DP3 Monthly Equivalent$55
Replacement Value$48,740
Basis1,291 sqft / 1950
Nearby Houses
Photo unavailable
202 High St
sold · 0.25 mi
Price: $84,900
3 bd / 2 ba · 2,200 sqft
Latest sale: — on Jun 03, 2022
Latest rent: —
Photo unavailable
219 Texas St
sold · 0.27 mi
Price: $145,000
2 bd / 1 ba · 1,000 sqft
Latest sale: — on Aug 17, 2022
Latest rent: —
Photo unavailable
372 E Madison St
for_sale · 0.39 mi
Price: $54,900
3 bd / 2 ba · 764 sqft
Latest sale: —
Latest rent: —
Photo unavailable
415 Bolton Brownsville Rd
sold · 0.43 mi
Price: $154,900
3 bd / 2 ba · 1,305 sqft
Latest sale: — on Dec 30, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Accessory apartment above garage — unknown code compliance for separate egress, fire separation, and means of escape (requires verification).
- Major systems (HVAC, water heater, electrical panel) not shown or tested — could be failure points if non-operational.
Assumptions
- Photos represent current condition and are recent; no interior areas beyond pictured rooms have severe hidden damage.
- Central HVAC is present (floor registers visible) but its operational status is unknown and must be verified.
- No gas appliances were photographed; presence of gas in unit is unknown — CO detector requirement will depend on that.
- Electrical panel, water heater and mechanical equipment are located elsewhere and were not visible; their condition is unknown.
- Windows provide required bedroom egress; sizes not measured from photos and should be verified on inspection.
- Appliances (range, refrigerator, possibly washer/dryer) are not shown — assume none included unless seller/agent confirms.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $593 | $53,740 | $5,374 |
| 2023 | $594 | $53,740 | $5,374 |
| 2021 | $418 | $39,210 | $3,921 |
| 2020 | $415 | $38,910 | $3,891 |
| 2019 | $413 | $38,910 | $3,891 |
| 2018 | $413 | $38,910 | $3,891 |
| 2017 | $413 | $38,910 | $3,891 |
| 2016 | $402 | $38,910 | $3,891 |
| 2015 | $392 | $38,440 | $3,844 |
| 2014 | $511 | $50,860 | $5,086 |
| 2013 | $491 | $50,860 | $5,086 |
| 2012 | $491 | $50,860 | $5,086 |
| 2011 | $446 | $46,690 | $4,669 |
| 2010 | $441 | $46,690 | $4,669 |
| 2009 | $441 | $46,690 | $4,669 |
| 2008 | $452 | $41,380 | $4,138 |
| 2007 | $410 | $41,380 | $4,138 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-09-07 | Sold | — |
Photo Gallery
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"last_status_change_date": "2024-03-21T19:57:05Z"
},
"event_name": "Sold",
"price_sqft": 0,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4019374",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7328476727",
"generated_at": "2026-02-16T22:01:53.755451Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 62.6
},
"utility_allowance": {
"zip_code": "39041",
"home_photo": "https://ap.rdcpix.com/fe73b3ed502eae39b9e42a10233c3bdcl-m454485402s-w1280.jpg",
"rent_price": 550.0,
"loan_amount": 103920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/213-E-Madison-St_Bolton_MS_39041_M73284-76727",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 129900.0,
"loan_term_years": 30,
"annual_cash_flow": 4685.71,
"mortgage_monthly": 691.38,
"payment_standard": 840.0,
"total_amount_out": 25980.0,
"additional_photos": [
"https://ap.rdcpix.com/fe73b3ed502eae39b9e42a10233c3bdcl-m3963472257s-w1280.jpg",
"https://ap.rdcpix.com/fe73b3ed502eae39b9e42a10233c3bdcl-m305539532s-w1280.jpg",
"https://ap.rdcpix.com/fe73b3ed502eae39b9e42a10233c3bdcl-m1222633786s-w1280.jpg",
"https://ap.rdcpix.com/fe73b3ed502eae39b9e42a10233c3bdcl-m2405452629s-w1280.jpg",
"https://ap.rdcpix.com/fe73b3ed502eae39b9e42a10233c3bdcl-m2139762563s-w1280.jpg",
"https://ap.rdcpix.com/fe73b3ed502eae39b9e42a10233c3bdcl-m274065940s-w1280.jpg",
"https://ap.rdcpix.com/fe73b3ed502eae39b9e42a10233c3bdcl-m3148368337s-w1280.jpg",
"https://ap.rdcpix.com/fe73b3ed502eae39b9e42a10233c3bdcl-m3486174211s-w1280.jpg",
"https://ap.rdcpix.com/fe73b3ed502eae39b9e42a10233c3bdcl-m864540139s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 53.62,
"monthly_cash_flow": 390.48,
"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 Air' cooling, so the fixed allowance for a 2-bedroom unit is included.",
"utility": "Air Conditioning",
"allowance": 10
},
{
"note": "Selected 'Natural Gas' as the property listing specifics a 'Free-Standing Gas Range'.",
"utility": "Cooking",
"allowance": 6
},
{
"note": "Selected 'Natural Gas' for 'Central' heating. Fuel type was not specified, so natural gas was inferred based on the presence of a gas range.",
"utility": "Heating",
"allowance": 17
},
{
"note": "Standard allowance for general tenant electrical usage like lights and wall outlets.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "The property includes a gas range but a microwave is not mentioned. This allowance is included for the electrical components of the range and a tenant-provided microwave.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property description does not mention a refrigerator being provided, so the tenant-paid allowance is included.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property listing explicitly states it uses 'Public Sewer'.",
"utility": "Sewer",
"allowance": 49
},
{
"note": "Included as a standard tenant expense for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property listing explicitly states the 'Water Source: Public'.",
"utility": "Water",
"allowance": 93
},
{
"note": "Selected 'Natural Gas' for water heating. The fuel type was not specified, so natural gas was inferred based on the presence of other gas appliances.",
"utility": "Water Heating",
"allowance": 15
}
],
"cash_on_cash_return": 0.18,
"down_payment_amount": 25980.0,
"property_tax_annual": 610.79,
"property_tax_monthly": 50.9,
"property_tax_increase": 0.03,
"utility_allowance_total": 290.0,
"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": -3610.88,
"property_management_monthly": 55.0,
"monthly_cash_flow_after_debt": -300.91,
"cash_on_cash_return_after_debt": -0.14
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be a livable AS-IS REO with mostly cosmetic and moderate repair items. It is likely to pass an initial HCV/NSPIRE inspection after minor repairs and verifications (install/confirm smoke/CO/GFCI devices, repair/secure front steps if a handrail is required, provide working kitchen appliances or document provided utilities, verify HVAC and hot water operation). Major structural or life-safety failures are not evident in photos, but key systems were not shown and must be verified. Estimated time-to-rent: minor repairs and verifications within 2–6 weeks depending on system tests and appliance installation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Photos show largely intact interior finishes with recent-looking vinyl plank floors, functioning interior doors, ceiling fans, and painted walls. Visible wear: scuffed/damaged wall panels, worn kitchen cabinets and countertops, chipped concrete front steps, overgrown shrubs, and an older driveway with surface failure. No evidence of collapsed ceilings, exposed subfloor, or major interior structural damage. The listing is AS-IS and appliances (stove/fridge) are not shown — missing appliances reduce turnkey readiness but are moderate items. Overall cosmetic and minor repairs dominate; these are straightforward carpentry/painting/appliance purchases."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "Some safety items visible and acceptable: main entry has deadbolt and knob, at least one round smoke detector-type device visible in living area, windows appear operable for egress, no visible exposed wiring or collapsed ceilings. Concerns: no visible CO alarm (required if fuel-burning appliances present), kitchen outlets appear standard (no confirmed GFCI protection visible), front porch/steps show no handrail (may be a code/inspection issue depending on riser count), shrubbery obscures some windows (egress/inspection access). Electrical panel, water heater, and appliance fuel connections not shown. Risk is moderate — items mostly remediable but require verification/installation (GFCI/CO/smoke placement, handrail if required)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 55.0,
"rationale": "Major systems not directly shown: no visible furnace/AC unit though floor registers present suggesting forced air; water heater and electrical panel not photographed. Roof appears aged but with no obvious sagging or active leaks in interior photos; shingles look weathered. Kitchen plumbing fixture present (double sink) and appears intact, but functionality unknown. Given lack of evidence of operational HVAC, hot water, or panel condition, this category is rated conservatively. If HVAC or water heater require repair/replacement this would raise time-to-rent and cost."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior siding appears intact and painted; foundation vents visible indicating crawlspace. Large shade trees and lawn are positive but overgrown shrubs obscure windows and may conceal foundation/trim damage or pest entry points. Driveway has surface deterioration and patchy paving; front concrete steps are chipped. The garage with an apartment above adds rental value but may also create additional code/egress/fire-separation requirements. No visible standing water, major foundation cracks, or collapsed roof sections in photos."
}
],
"red_flags": [
"Accessory apartment above garage — unknown code compliance for separate egress, fire separation, and means of escape (requires verification).",
"Major systems (HVAC, water heater, electrical panel) not shown or tested — could be failure points if non-operational."
],
"confidence": 0.65,
"assumptions": [
"Photos represent current condition and are recent; no interior areas beyond pictured rooms have severe hidden damage.",
"Central HVAC is present (floor registers visible) but its operational status is unknown and must be verified.",
"No gas appliances were photographed; presence of gas in unit is unknown — CO detector requirement will depend on that.",
"Electrical panel, water heater and mechanical equipment are located elsewhere and were not visible; their condition is unknown.",
"Windows provide required bedroom egress; sizes not measured from photos and should be verified on inspection.",
"Appliances (range, refrigerator, possibly washer/dryer) are not shown — assume none included unless seller/agent confirms."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate readiness for a Housing Choice Voucher initial inspection. The property is structurally intact with no visible major structural failures in the photos and appears rentable after cleaning, appliance provisioning and a focused safety/systems check. Primary NSPIRE risks are likely insufficient smoke/CO/GFCI protection, missing kitchen appliances, front step deterioration/no handrail, and unknown operational status of HVAC/electrical/water heater. Expect moderate repairs and 2–6 weeks of work (repairs, testing, installations) to meet NSPIRE requirements unless unseen systems defects are identified on a full inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 65.0,
"rationale": "Interior shows recent-looking plank vinyl floors and painted walls but visible scuffs, chipped trim, dirty surfaces and concrete front steps with spalling. Kitchen cabinets intact but stained and the unit is missing major appliances (stove/fridge) and likely needs a deep clean and minor cabinetry/trim repairs. Exterior siding appears intact but shrub overgrowth contacts the house. Overall cosmetic and moderate deferred maintenance — easy-to-fix cosmetic and appliance items but requires cleaning and finish carpentry."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Some smoke detectors are visible in photos (living area, kitchen) but no detectors are shown in bedrooms and no carbon monoxide detector is visible; GFCI protection in the kitchen is not apparent. Windows appear operable for egress but some are partially obscured by shrubs. Front steps lack a handrail and concrete is deteriorated (trip hazard). No exposed wiring is visible. Because required safety items (bedroom smoke detectors, kitchen GFCI, CO alarm if needed) are likely missing or unverified, there is a moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 55.0,
"rationale": "No mechanical equipment (furnace/AHU, water heater, electrical panel) is shown. Floor registers are visible suggesting central HVAC ducting, but operational status is unknown. Plumbing fixtures (kitchen sink) present and appear intact with no visible active leaks or water staining on ceilings. Roof shingles look aged but not visibly sagging or leaking in photos. Given REO/AS-IS status and lack of equipment photos, systems require inspection and likely servicing; risk moderate but not catastrophic."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Siding and windows appear intact and the foundation has crawl-space vents visible. Roof shows age but no visible severe damage or sagging. Driveway is worn and patchy; landscaping is overgrown near the house which may conceal damage and impede egress. Large yard and garage/apartment above garage are positive features. Overall the exterior is serviceable but needs vegetation control, driveway patching and minor step repair."
}
],
"red_flags": [
"Missing or unverified GFCI protection in kitchen (NSPIRE fail item)",
"Bedroom smoke detectors not visible/likely missing",
"Front concrete steps are deteriorated and lack a handrail (trip/fall hazard)",
"REO 'AS-IS' status — unknown condition of major systems (electrical panel, HVAC, water heater) increases inspection risk"
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is assumed present because floor/register vents are visible; equipment (furnace/AC) condition not shown.",
"No stove or refrigerator are present in listing photos; appliances are assumed missing and will need to be supplied or verified.",
"Smoke detectors shown in living/kitchen areas, but none are visible in bedrooms — assume bedroom detectors are missing until verified.",
"GFCI protection for kitchen counters is not visible in photos and is assumed absent or not readily verifiable.",
"No photographic evidence of electrical panel, water heater, or HVAC equipment; their condition is unknown and assumed to require inspection/possible servicing due to REO AS-IS status.",
"No visible active roof leaks or ceiling stains in photos; assume no active interior water intrusion but roof is aged and may need closer inspection.",
"Exterior vegetation is overgrown adjacent to the building and may hide minor siding/wood damage.",
"The apartment above the garage is described in listing but interior condition is not shown; assume similar condition to main house and requiring separate inspection."
],
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This REO single-family home is in fair to good basic condition with mostly cosmetic repairs and some deferred maintenance. The interior finishes look updated (vinyl plank floors) and structure and envelope appear intact from photos. Major unknowns are the operational condition of HVAC, water heater, electrical panel, and hot water/plumbing — none are shown. Missing kitchen appliances and likely non-GFCI kitchen outlets, chipped paint (pre-1978 build), and crumbling front steps are the primary inspection risks that should be addressed. With targeted fixes (install/verify smoke/CO/GFCI, repair front steps, install appliances, confirm systems operation and remediate any lead/pain issues) the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows recent vinyl plank flooring, intact ceilings and functioning doors/windows but visible cosmetic damage (scuffs, paint chips), worn kitchen cabinets, missing major appliances (no stove or refrigerator shown), and exterior concrete front steps with spalling. Overall appears mostly cosmetic with moderate deferred maintenance; missing appliances reduce turnkey readiness but are not inspection-fatal by themselves."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "Smoke detector is visible in the living area. No exposed wiring or collapsed ceilings seen. However kitchen photos do not show GFCI-protected outlets near sink (likely non-GFCI outlets), carbon monoxide detector not visible, and some interior paint is chipped (house built 1950 — potential lead-paint risk). Front steps are deteriorated (trip hazard). Bedroom egress windows appear present. Because key items (GFCI, CO alarm, full set of smoke detectors) are not verified in photos, there is a moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 55.0,
"rationale": "Floor registers are visible indicating forced-air HVAC ducting, but no furnace/AC unit, water heater, or electrical panel photos are provided to verify condition. Roof appears aged shingle but no visible sagging or active leaks in photos. Plumbing fixtures (kitchen sink) present but hot water and drain function not verified. Lack of visual confirmation of critical equipment and unknown ages create moderate systems risk that will likely require on-site verification or repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding and windows appear intact; yard is maintained though shrubs are overgrown near windows and entry. Driveway is deteriorated with patchy paving/grass; large shade trees close to house may contribute debris and roof wear. Two-car garage with a second-story apartment is an asset but its condition is not shown. No signs of foundation movement, major roof failure, standing water or infestation visible in photos."
}
],
"red_flags": [
"Deteriorated/crumbling front entry steps — trip/unsafe stairs (repair required).",
"No GFCI outlet identified in kitchen photos — likely code non-compliance near sink.",
"No visible verification of mechanical systems (HVAC furnace/AC, water heater, electrical panel) in photos — systems condition unverified.",
"Visible interior paint chips in a 1950 house — potential lead-based paint hazard requiring mitigation or disclosure.",
"Major appliances (range/oven and refrigerator) not shown / likely missing."
],
"confidence": 0.6,
"assumptions": [
"No interior photos of bathroom(s) or mechanical closets were provided; assume plumbing fixtures exist but function (hot water, drains) is not verified and must be tested.",
"Floor registers indicate a forced-air heating/cooling system, but the furnace/AC unit and water heater are not visible in photos; assume units exist but require verification of operation and safety.",
"Electrical panel, service capacity and grounding are not shown; assume standard service but that GFCI protection in kitchen/bath may be missing based on outlet photos.",
"Appliances (stove/oven, refrigerator) are not shown and are assumed missing; these reduce turnkey readiness but are relatively easy capital items to provide.",
"No interior photos of the apartment above the garage were provided; its condition and separate egress/safety features are unknown and not included in scoring beyond exterior presence.",
"No evidence of major structural issues (sagging rooflines, foundation cracks, collapsed ceilings) in provided photos; assume none obvious but limited photo angles may hide issues."
],
"overall_score": 62.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "213 E Madison St, Bolton, MS, 39041",
"aggregate": {
"summary": "Overall the property appears to be a livable AS-IS REO with mostly cosmetic and moderate repair items. It is likely to pass an initial HCV/NSPIRE inspection after minor repairs and verifications (install/confirm smoke/CO/GFCI devices, repair/secure front steps if a handrail is required, provide working kitchen appliances or document provided utilities, verify HVAC and hot water operation). Major structural or life-safety failures are not evident in photos, but key systems were not shown and must be verified. Estimated time-to-rent: minor repairs and verifications within 2–6 weeks depending on system tests and appliance installation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 66.7,
"rationale": "Photos show largely intact interior finishes with recent-looking vinyl plank floors, functioning interior doors, ceiling fans, and painted walls. Visible wear: scuffed/damaged wall panels, worn kitchen cabinets and countertops, chipped concrete front steps, overgrown shrubs, and an older driveway with surface failure. No evidence of collapsed ceilings, exposed subfloor, or major interior structural damage. The listing is AS-IS and appliances (stove/fridge) are not shown — missing appliances reduce turnkey readiness but are moderate items. Overall cosmetic and minor repairs dominate; these are straightforward carpentry/painting/appliance purchases."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior siding appears intact and painted; foundation vents visible indicating crawlspace. Large shade trees and lawn are positive but overgrown shrubs obscure windows and may conceal foundation/trim damage or pest entry points. Driveway has surface deterioration and patchy paving; front concrete steps are chipped. The garage with an apartment above adds rental value but may also create additional code/egress/fire-separation requirements. No visible standing water, major foundation cracks, or collapsed roof sections in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Some safety items visible and acceptable: main entry has deadbolt and knob, at least one round smoke detector-type device visible in living area, windows appear operable for egress, no visible exposed wiring or collapsed ceilings. Concerns: no visible CO alarm (required if fuel-burning appliances present), kitchen outlets appear standard (no confirmed GFCI protection visible), front porch/steps show no handrail (may be a code/inspection issue depending on riser count), shrubbery obscures some windows (egress/inspection access). Electrical panel, water heater, and appliance fuel connections not shown. Risk is moderate — items mostly remediable but require verification/installation (GFCI/CO/smoke placement, handrail if required)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 55.0,
"rationale": "Major systems not directly shown: no visible furnace/AC unit though floor registers present suggesting forced air; water heater and electrical panel not photographed. Roof appears aged but with no obvious sagging or active leaks in interior photos; shingles look weathered. Kitchen plumbing fixture present (double sink) and appears intact, but functionality unknown. Given lack of evidence of operational HVAC, hot water, or panel condition, this category is rated conservatively. If HVAC or water heater require repair/replacement this would raise time-to-rent and cost."
}
],
"red_flags": [
"Accessory apartment above garage — unknown code compliance for separate egress, fire separation, and means of escape (requires verification).",
"Major systems (HVAC, water heater, electrical panel) not shown or tested — could be failure points if non-operational."
],
"confidence": 0.92,
"assumptions": [
"Photos represent current condition and are recent; no interior areas beyond pictured rooms have severe hidden damage.",
"Central HVAC is present (floor registers visible) but its operational status is unknown and must be verified.",
"No gas appliances were photographed; presence of gas in unit is unknown — CO detector requirement will depend on that.",
"Electrical panel, water heater and mechanical equipment are located elsewhere and were not visible; their condition is unknown.",
"Windows provide required bedroom egress; sizes not measured from photos and should be verified on inspection.",
"Appliances (range, refrigerator, possibly washer/dryer) are not shown — assume none included unless seller/agent confirms."
],
"score_method": "mean_of_criteria",
"overall_score": 62.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7328476727"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.