Property ID: 7331137315
622 Chelsea Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $27,600
CoC Return: 13.80%
Monthly Cash Flow: $317
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Investment Snapshot
Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
13.80%
Rent
$1,241
Monthly Cash Flow
$317
Annual Cash Flow
$3,808
Debt Service / Mo
$612
Property Tax / Mo
$139
Insurance / Mo
$48
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,241
Payment Standard
$1,620
Rent
$1,241
Insurance
$48
Property Tax
$139
Management
$124
Utilities Allowance
$379
NOI (Monthly)
$929
Debt Service
$612
Cash Flow After Debt
$317
Quality Score: 71.60%
Confidence: 89.00%
Overall this single-family home appears to be in good, recently remodeled condition and would likely pass an initial HCV/NSPIRE inspection with minor corrective work. Major structural or life-safety failures are not apparent in photos. Expected items to address before inspection: verify and install smoke and CO alarms per local code and NSPIRE placement, confirm/replace GFCI protection in kitchen and bathrooms if missing, repair/level driveway trip hazards, replace/repair any missing cabinet hardware, and confirm water heater and electrical panel condition. With those small tasks completed it should be rent-ready within 30 days.
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
$115,000
Beds
3
Baths
2
Living Area
1,342 sqft
Lot Size
12,197 sqft
Year Built
1971
Days on Market
10
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$139
Insurance / Mo
$48
Property Description
Check out this investment portfolio with multiple tenant occupied properties available. Properties can be packaged or sold individually. Please call your agent for more information on these homes. This home was recently remodeled and is currently cash flowing! This home is in great condition and would make an easily manageable property to add to your portfolio. Check this one out soon!
Utility Allowances
Heating
$50
Property has central heating. Fuel type was not specified, so Electric was selected as the most expensive plausible option ($50 vs $21 for Natural Gas).
Air Conditioning
$12
Property is listed as having 'Central Air'.
Water Heating
$29
Water heater fuel type was not specified. Electric was selected as it's a common option and more expensive than Natural Gas ($29 vs $18).
Cooking
$11
Property details specify a 'Built-In Electric Range' is included.
Other Electric
$69
Standard allowance for miscellaneous tenant-paid electric use in a 3-bedroom single-family home.
Water
$104
Property details list 'Public' as the water source.
Sewer
$60
Property details list 'Public Sewer'.
Trash Collection
$37
Inferred as a standard tenant responsibility for a single-family residence.
Refrigerator
$4
A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
Range/Microwave
$3
A microwave is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
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$566
DP3 Annual Estimate$592
DP1 Monthly Equivalent$47
DP3 Monthly Equivalent$49
Replacement Value$43,940
Basis1,342 sqft / 1971
Nearby Houses
Photo unavailable
615 Chelsea Dr
sold · 0.04 mi
Price: $39,000
3 bd / 2 ba · 1,655 sqft
Latest sale: — on Mar 28, 2024
Latest rent: —
Photo unavailable
637 Chelsea Dr
sold · 0.04 mi
Price: $60,000
3 bd / 2 ba · 1,230 sqft
Latest sale: — on Jul 25, 2025
Latest rent: —
Photo unavailable
611 Chelsea Dr
for_sale · 0.05 mi
Price: $29,900
3 bd / 2 ba · 1,118 sqft
Latest sale: —
Latest rent: —
Photo unavailable
645 Upper Darby Rd
sold · 0.11 mi
Price: $24,900
3 bd / 2 ba · 1,212 sqft
Latest sale: — on Jul 03, 2024
Latest rent: —
Photo unavailable
605 Upper Darby Rd
for_sale · 0.12 mi
Price: $155,000
3 bd / 2 ba · 1,442 sqft
Latest sale: — on Dec 10, 2019
Latest rent: —
Photo unavailable
613 Upper Darby Rd
for_sale · 0.13 mi
Price: $56,000
3 bd / 2 ba · 1,690 sqft
Latest sale: — on Apr 04, 2018
Latest rent: $975 on Apr 25, 2018
Photo unavailable
609 Briarcliff Cir
sold · 0.16 mi
Price: $60,000
3 bd / 2 ba · 1,613 sqft
Latest sale: — on Sep 08, 2025
Latest rent: —
Photo unavailable
613 Briarcliff Cir
sold · 0.17 mi
Price: $17,500
2 bd / 1 ba · 1,519 sqft
Latest sale: — on Aug 27, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke and carbon-monoxide detectors are not visible in photos; assumed not verified and should be confirmed/installed as required.
- Electrical panel, water heater and HVAC mechanical condition are not shown; assumed serviceable due to recent remodel but require verification (service records or inspection).
- Bedrooms have code egress windows (large windows visible in living/bedroom photos) though measurements were not provided; assumed adequate.
- No active roof leaks or major foundation movement indicated by photos; minor roof staining/discoloration observed and assumed cosmetic/age-related rather than acute failure.
- GFCI protection at kitchen counters and bathroom outlets is unverified and should be confirmed; score reflects moderate risk due to this unknown.
- Listing statement 'recently remodeled' is accurate and improvements (floors, paint, appliances) are recent as shown in photos.
- Driveway deterioration is surface/concrete slab heave and not indicative of foundation failure of the dwelling.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,622 | $55,940 | $8,391 |
| 2023 | $1,614 | $55,940 | $8,391 |
| 2021 | $1,614 | $55,940 | $8,391 |
| 2020 | $1,590 | $55,430 | $8,315 |
| 2019 | $1,592 | $55,430 | $8,315 |
| 2018 | $1,574 | $55,430 | $8,315 |
| 2017 | $1,575 | $55,430 | $8,315 |
| 2016 | $1,533 | $55,430 | $8,315 |
| 2015 | $1,467 | $54,650 | $8,198 |
| 2014 | $1,465 | $54,650 | $8,198 |
| 2013 | $1,425 | $54,650 | $8,198 |
| 2012 | $1,425 | $54,650 | $8,198 |
| 2011 | $747 | $56,910 | $5,691 |
| 2010 | $702 | $53,920 | $5,392 |
| 2009 | $702 | $53,920 | $5,392 |
| 2008 | $702 | $44,580 | $4,458 |
| 2007 | $587 | $44,580 | $4,458 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-09-20 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-07-23 | Listed for rent | $1,700 | — |
| 2022-03-29 | Listed for rent | $1,111 | — |
| 2020-07-02 | Listed for rent | $1,025 | — |
Photo Gallery
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"land": 12000,
"total": 54650,
"building": 42650
},
"assessment": {
"land": 1800,
"total": 8198,
"building": 6398
}
},
{
"tax": 747,
"year": 2011,
"market": {
"land": 12000,
"total": 56910,
"building": 44910
},
"assessment": {
"land": 1200,
"total": 5691,
"building": 4491
}
},
{
"tax": 702,
"year": 2010,
"market": {
"land": 12000,
"total": 53920,
"building": 41920
},
"assessment": {
"land": 1200,
"total": 5392,
"building": 4192
}
},
{
"tax": 702,
"year": 2009,
"market": {
"land": 12000,
"total": 53920,
"building": 41920
},
"assessment": {
"land": 1200,
"total": 5392,
"building": 4192
}
},
{
"tax": 702,
"year": 2008,
"market": {
"land": 7500,
"total": 44580,
"building": 37080
},
"assessment": {
"land": 750,
"total": 4458,
"building": 3708
}
},
{
"tax": 587,
"year": 2007,
"market": {
"land": 7500,
"total": 44580,
"building": 37080
},
"assessment": {
"land": 750,
"total": 4458,
"building": 3708
}
}
],
"property_history": [
{
"date": "2026-02-06",
"price": 115000,
"listing": {
"status": "for_sale",
"list_date": "2026-02-06T03:27:32Z",
"list_price": 115000,
"listing_id": "2991301372",
"last_update_date": "2026-02-09T07:02:48Z",
"last_status_change_date": "2026-02-06T03:27:32Z"
},
"event_name": "Listed",
"price_sqft": 85.69299552906111,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4138341",
"price_change_percentage": null
},
{
"date": "2023-09-20",
"price": 0,
"listing": {
"status": "sold",
"list_date": "2024-03-21T19:15:21Z",
"list_price": 55000,
"listing_id": "2956537655",
"last_update_date": "2023-09-21T15:01:47Z",
"last_status_change_date": "2024-03-21T19:15:21Z"
},
"event_name": "Sold",
"price_sqft": 0,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4049789",
"price_change_percentage": null
},
{
"date": "2022-04-15",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-03-30T18:04:37Z",
"list_price": 1020,
"listing_id": "2941615883",
"last_update_date": "2022-03-30T13:00:24Z",
"last_status_change_date": "2022-04-15T08:19:52Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4013017",
"price_change_percentage": null
},
{
"date": "2022-04-14",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-03-29T21:01:44Z",
"list_price": 1020,
"listing_id": "2941588029",
"last_update_date": "2022-04-07T21:02:07Z",
"last_status_change_date": "2022-04-14T19:01:58Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "3827597",
"price_change_percentage": null
},
{
"date": "2022-04-07",
"price": 1020,
"listing": {
"status": "off_market",
"list_date": "2022-03-29T21:01:44Z",
"list_price": 1020,
"listing_id": "2941588029",
"last_update_date": "2022-04-07T21:02:07Z",
"last_status_change_date": "2022-04-14T19:01:58Z"
},
"event_name": "Price Changed for rent",
"price_sqft": null,
"source_name": "Rently",
"price_change": -91,
"days_after_listed": null,
"source_listing_id": "3827597",
"price_change_percentage": null
},
{
"date": "2022-03-30",
"price": 1020,
"listing": {
"status": "off_market",
"list_date": "2022-03-30T18:04:37Z",
"list_price": 1020,
"listing_id": "2941615883",
"last_update_date": "2022-03-30T13:00:24Z",
"last_status_change_date": "2022-04-15T08:19:52Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4013017",
"price_change_percentage": null
},
{
"date": "2022-03-29",
"price": 1111,
"listing": {
"status": "off_market",
"list_date": "2022-03-29T21:01:44Z",
"list_price": 1020,
"listing_id": "2941588029",
"last_update_date": "2022-04-07T21:02:07Z",
"last_status_change_date": "2022-04-14T19:01:58Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "3827597",
"price_change_percentage": null
},
{
"date": "2010-11-02",
"price": 58000,
"listing": {
"status": "off_market",
"list_date": "2010-05-03T00:16:00Z",
"list_price": 58000,
"listing_id": "519083303",
"last_update_date": "2010-11-02T16:55:00Z",
"last_status_change_date": "2010-11-02T16:55:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "184 days",
"source_listing_id": "218890",
"price_change_percentage": null
},
{
"date": "2010-07-29",
"price": 58000,
"listing": {
"status": "off_market",
"list_date": "2010-05-03T00:16:00Z",
"list_price": 58000,
"listing_id": "519083303",
"last_update_date": "2010-11-02T16:55:00Z",
"last_status_change_date": "2010-11-02T16:55:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -1900,
"days_after_listed": null,
"source_listing_id": "218890",
"price_change_percentage": null
},
{
"date": "2010-06-17",
"price": 59900,
"listing": {
"status": "off_market",
"list_date": "2010-05-03T00:16:00Z",
"list_price": 58000,
"listing_id": "519083303",
"last_update_date": "2010-11-02T16:55:00Z",
"last_status_change_date": "2010-11-02T16:55:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -100,
"days_after_listed": null,
"source_listing_id": "218890",
"price_change_percentage": null
},
{
"date": "2010-06-15",
"price": 60000,
"listing": {
"status": "off_market",
"list_date": "2010-05-03T00:16:00Z",
"list_price": 58000,
"listing_id": "519083303",
"last_update_date": "2010-11-02T16:55:00Z",
"last_status_change_date": "2010-11-02T16:55:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -7000,
"days_after_listed": null,
"source_listing_id": "218890",
"price_change_percentage": null
},
{
"date": "2010-05-09",
"price": 67000,
"listing": {
"status": "off_market",
"list_date": "2010-05-03T00:16:00Z",
"list_price": 58000,
"listing_id": "519083303",
"last_update_date": "2010-11-02T16:55:00Z",
"last_status_change_date": "2010-11-02T16:55:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 2100,
"days_after_listed": null,
"source_listing_id": "218890",
"price_change_percentage": null
},
{
"date": "2010-05-02",
"price": 64900,
"listing": {
"status": "off_market",
"list_date": "2010-05-03T00:16:00Z",
"list_price": 58000,
"listing_id": "519083303",
"last_update_date": "2010-11-02T16:55:00Z",
"last_status_change_date": "2010-11-02T16:55:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "218890",
"price_change_percentage": null
},
{
"date": "2009-05-10",
"price": 78000,
"listing": {
"status": "off_market",
"list_date": "2009-04-04T19:54:00Z",
"list_price": 78000,
"listing_id": "505605171",
"last_update_date": "2009-07-05T16:57:00Z",
"last_status_change_date": "2009-05-10T17:04:35Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "36 days",
"source_listing_id": "200654",
"price_change_percentage": null
},
{
"date": "2009-04-04",
"price": 78000,
"listing": {
"status": "off_market",
"list_date": "2009-04-04T19:54:00Z",
"list_price": 78000,
"listing_id": "505605171",
"last_update_date": "2009-07-05T16:57:00Z",
"last_status_change_date": "2009-05-10T17:04:35Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "200654",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7331137315",
"generated_at": "2026-02-16T23:13:18.741855Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 71.6
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/e259cd0667552e3d4b2ac28eb96fe4c2l-m406279475s-w1280.jpg",
"rent_price": 1241.0,
"loan_amount": 92000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/622-Chelsea-Dr_Jackson_MS_39212_M73311-37315",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 115000.0,
"loan_term_years": 30,
"annual_cash_flow": 11153.14,
"mortgage_monthly": 612.08,
"payment_standard": 1620.0,
"total_amount_out": 23000.0,
"additional_photos": [
"https://ap.rdcpix.com/e259cd0667552e3d4b2ac28eb96fe4c2l-m1007004205s-w1280.jpg",
"https://ap.rdcpix.com/e259cd0667552e3d4b2ac28eb96fe4c2l-m3195781922s-w1280.jpg",
"https://ap.rdcpix.com/e259cd0667552e3d4b2ac28eb96fe4c2l-m3819077546s-w1280.jpg",
"https://ap.rdcpix.com/e259cd0667552e3d4b2ac28eb96fe4c2l-m3572155515s-w1280.jpg",
"https://ap.rdcpix.com/e259cd0667552e3d4b2ac28eb96fe4c2l-m3439926075s-w1280.jpg",
"https://ap.rdcpix.com/e259cd0667552e3d4b2ac28eb96fe4c2l-m2355943046s-w1280.jpg",
"https://ap.rdcpix.com/e259cd0667552e3d4b2ac28eb96fe4c2l-m815940330s-w1280.jpg",
"https://ap.rdcpix.com/e259cd0667552e3d4b2ac28eb96fe4c2l-m1786928977s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 48.25,
"monthly_cash_flow": 929.43,
"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. Fuel type was not specified, so Electric was selected as the most expensive plausible option ($50 vs $21 for Natural Gas).",
"utility": "Heating",
"allowance": 50
},
{
"note": "Property is listed as having 'Central Air'.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Water heater fuel type was not specified. Electric was selected as it's a common option and more expensive than Natural Gas ($29 vs $18).",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "Property details specify a 'Built-In Electric Range' is included.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Standard allowance for miscellaneous tenant-paid electric use in a 3-bedroom single-family home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property details list 'Public' as the water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Property details list 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Inferred as a standard tenant responsibility for a single-family residence.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "A microwave is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.48,
"down_payment_amount": 23000.0,
"property_tax_annual": 1670.66,
"property_tax_monthly": 139.22,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/fmr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39212/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3808.2,
"property_management_monthly": 124.1,
"monthly_cash_flow_after_debt": 317.35,
"cash_on_cash_return_after_debt": 0.17
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single-family home appears to be in good, recently remodeled condition and would likely pass an initial HCV/NSPIRE inspection with minor corrective work. Major structural or life-safety failures are not apparent in photos. Expected items to address before inspection: verify and install smoke and CO alarms per local code and NSPIRE placement, confirm/replace GFCI protection in kitchen and bathrooms if missing, repair/level driveway trip hazards, replace/repair any missing cabinet hardware, and confirm water heater and electrical panel condition. With those small tasks completed it should be rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Interior appears recently remodeled with new flooring and paint. Kitchen appliances (fridge, stove, dishwasher) are present; washer/dryer present. Observable issues are cosmetic or minor: one missing/detached cabinet door under sink, scuffed baseboards, minor ceiling seam/low spot in living area, clutter/cleanliness in bathrooms, and a heavily cracked/uneven concrete driveway. These are easy-to-fix or limited capital items; no large areas of collapsed finishes visible."
},
{
"key": "safety_code",
"label": "Life-safety and code risks (smoke, CO, egress, electrical)",
"score": 70.0,
"rationale": "No exposed wiring, visible outlet covers present, doors have functioning locks visible (deadbolt not shown). Bedrooms/windows appear to provide egress (large living window visible). Central HVAC vents visible. However smoke/CO detectors are not visible in photos (not confirmed), and GFCI protection in kitchen/bath cannot be verified from images; driveway has significant trip/crack hazards at entry. Bathroom/shower surround appears intact; no visible severe mold or active leaks. Overall moderate NSPIRE risk due to unchecked detector/GFCI presence and exterior trip hazard."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, plumbing, electrical systems",
"score": 72.0,
"rationale": "Central HVAC registers/vents are present indicating a forced-air system likely operational. Roof shingles show age/discoloration but no visible sagging or open areas. Kitchen appliances and laundry machines observed and appear functional. No visible plumbing leaks in photos; water heater and electrical panel not shown so their condition is assumed typical. No visible gas venting issues; stove appears electric. Given age (1971) but recent remodel, systems are likely serviceable but unverified components (panel, water heater) lower the score slightly."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site safety, and curb appeal",
"score": 75.0,
"rationale": "Brick and painted siding look intact; gutters are present. Yard shows light overgrowth but no heavy neglect. Primary exterior concern is the driveway: severe cracking, uneven slabs and spalling could create trip hazards. Tree cover close to roof (pine needles observed) may accelerate roof wear and gutter clogging. No visible foundation cracks or major envelope failures in photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (5-year)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Smoke and carbon-monoxide detectors are not visible in photos; assumed not verified and should be confirmed/installed as required.",
"Electrical panel, water heater and HVAC mechanical condition are not shown; assumed serviceable due to recent remodel but require verification (service records or inspection).",
"Bedrooms have code egress windows (large windows visible in living/bedroom photos) though measurements were not provided; assumed adequate.",
"No active roof leaks or major foundation movement indicated by photos; minor roof staining/discoloration observed and assumed cosmetic/age-related rather than acute failure.",
"GFCI protection at kitchen counters and bathroom outlets is unverified and should be confirmed; score reflects moderate risk due to this unknown.",
"Listing statement 'recently remodeled' is accurate and improvements (floors, paint, appliances) are recent as shown in photos.",
"Driveway deterioration is surface/concrete slab heave and not indicative of foundation failure of the dwelling."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/2BA single-family property appears to be in good, recently remodeled condition and is likely to pass an initial HCV/NSPIRE inspection after addressing a few verification and minor repair items. Major structural or life-safety hazards are not visible in the photos. Primary inspection risks are verification of working smoke/CO detectors, GFCI protection in wet areas, and confirmation of functioning hot water and HVAC. Minor repairs (kitchen cabinet faces, cleaning, driveway trip-hazard remediation) should be completed to maximize pass probability and tenant safety.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show recent cosmetic work: new-looking LVP flooring, fresh paint, functioning kitchen appliances and laundry set visible. Observable deferred items are minor: a missing lower kitchen cabinet/face panel, some cabinet wear, cosmetic dirt in bathrooms and shower pan, and general tenant clutter. No visible major finish failure (no collapsed ceilings or exposed subfloor). These are primarily cosmetic/finish repairs and cabinetry work rather than structural fixes."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards in photos (no exposed live wiring, no collapsed ceilings, no standing water). Ceiling vents indicate HVAC present. However required safety items are not visible in photos: smoke detector(s) and CO alarm(s) are not shown (risk of NSPIRE fail if missing or nonfunctional), GFCI receptacles in kitchen/bath are not identifiable, and entry door deadbolt is not visible. Windows appear adequate for egress in main rooms but bedroom windows were not individually documented. Overall moderate risk because many required safety items could be present but are not visible in the provided images."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Evidence of a central forced air system (ceiling vent registers) suggests heating/AC is installed. Kitchen and laundry appliances are present and appear operational. The roof appears intact but shows age/granule loss and staining in photos (no active leaks visible). Electrical fixtures (overhead and fluorescent kitchen light) are present and functioning; electrical panel and water heater were not photographed. Plumbing fixtures are in place; no major leaks visible. Systems appear serviceable but several components are unverified by photos and the roof shows moderate age."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Exterior shows a mostly intact roofline, gutters and downspouts, brick and siding in reasonable condition and mature trees. Driveway concrete has large cracks and spalled areas that are trip hazards and reduce curb appeal. Yard is somewhat overgrown near the rear/side of the house (trees close to roof). No visible foundation settlement, sagging or major exterior structural distress observed."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No smoke detector(s) or carbon monoxide alarm(s) visible in photos — missing/nonfunctional detectors are an NSPIRE fail.",
"Large cracks and spalled areas in the driveway present trip hazards that should be repaired.",
"Missing/lower kitchen cabinet face and open cabinet under sink exposing plumbing — may require repair to meet habitability/appearance standards.",
"Roof shows age/granule loss and staining in photos; further inspection recommended to rule out active leaks or near-term replacement.",
"Ceiling seam/area in living room suggests a previous or potential water intrusion point—needs verification."
],
"confidence": 0.7,
"assumptions": [
"Property utilities (electric/heat/cooling/hot water) are on and functional since property is tenant-occupied and HVAC vents are visible.",
"Smoke detectors and CO alarms may be present but are not visible in photos; if absent they will need installation to meet NSPIRE.",
"Electrical panel and water heater exist and are accessible though not pictured; no visible active electrical hazards were observed.",
"Appliances shown (stove, refrigerator, dishwasher, washer and dryer) are included and operational as tenant-occupied photos suggest.",
"No hidden severe issues (active roof leak, major plumbing failure, hidden mold) beyond what is visible—photos show only cosmetic/age indicators."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be in generally good, recently remodeled condition and is likely to pass an initial Section 8 (NSPIRE) inspection after a short turnover punchlist. Primary issues that need addressing before inspection: install/verify smoke detectors and CO alarms where required, confirm and install GFCI protection at kitchen/bath outlets as needed, repair/secure missing cabinet components, and perform routine cleaning. Mechanical systems (HVAC, water heater, electrical panel) require verification of operation and safety documentation. Exterior driveway repair and minor roof maintenance are recommended but not immediate show-stoppers.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior appears recently remodeled with new-looking LVP flooring, fresh paint and functioning fixtures. Kitchen has appliances present (refrigerator, range, dishwasher) and washer/dryer; lower cabinet(s) show missing door/unfinished fit and some cosmetic wear. Bathroom and shower surround look serviceable but show dirt/debris and need cleaning. Driveway has significant surface cracking and spalling. Overall only minor cosmetic and finish repairs required."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in photos (hall and living area ceilings). No GFCI outlets are evident in kitchen photos and electrical panel is not shown. Bedroom egress windows appear present but cannot be fully verified for size/operation. No exposed wiring, obvious mold, or active water intrusion seen in images. Entry locking hardware not visible to confirm deadbolt. Missing/undocumented smoke/CO detectors and potential absence of required GFCI pose the greatest NSPIRE inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 65.0,
"rationale": "Ceiling supply/return vents indicate central HVAC is present but equipment condition and operational status are not documented. Kitchen appliances, washer and dryer are installed and appear functional; water heater and electrical panel were not photographed. Roof appears aged with discoloration but no visible sagging or active leaks in interior photos. Plumbing fixtures visible and present (kitchen sink, bathroom fixtures), but hot water and drain operation not confirmed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior brick and siding appear intact; gutters are present. Roof shows staining/age but no visible collapse or major failure. Driveway has large cracks and surface deterioration that are trip/appearance issues. Yard is slightly overgrown but no obvious drainage/standing water or infestation evidence in photos. Overall exterior is serviceable with some maintenance required."
},
{
"key": "rental_history_activity",
"label": "Rental History / Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in living/hall photos — likely NSPIRE fail if absent or nonfunctional.",
"No visible GFCI-protected outlets at sink/kitchen area in photos — potential code/NSPIRE failure.",
"Ceiling seam/area visible in photos may indicate prior water intrusion — needs verification to rule out active leak.",
"Electrical panel and meter not shown/verified (cannot confirm labeling or safety)."
],
"confidence": 0.75,
"assumptions": [
"Photos are representative of the whole unit; no hidden major structural damage exists beyond photographed areas.",
"Central HVAC exists (ceiling vents visible) and is operational; condenser/furnace not photographed.",
"No smoke detectors or CO alarms are installed or they are not visible in provided images; inspectors will require visible, functioning detectors.",
"Electrical panel and its labeling were not provided; assumed to be present but unverified for condition.",
"Hot water availability and plumbing function are assumed but not tested from photos.",
"Stove appears to be electric (no visible gas line) but fuel type not confirmed.",
"No active roof leak is present despite ceiling seam/patch visible — the seam could be cosmetic or from prior repair; further verification recommended."
],
"overall_score": 73.0,
"rubric_version": "ns-pire-2024-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "622 Chelsea Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Overall this single-family home appears to be in good, recently remodeled condition and would likely pass an initial HCV/NSPIRE inspection with minor corrective work. Major structural or life-safety failures are not apparent in photos. Expected items to address before inspection: verify and install smoke and CO alarms per local code and NSPIRE placement, confirm/replace GFCI protection in kitchen and bathrooms if missing, repair/level driveway trip hazards, replace/repair any missing cabinet hardware, and confirm water heater and electrical panel condition. With those small tasks completed it should be rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 77.0,
"rationale": "Interior appears recently remodeled with new flooring and paint. Kitchen appliances (fridge, stove, dishwasher) are present; washer/dryer present. Observable issues are cosmetic or minor: one missing/detached cabinet door under sink, scuffed baseboards, minor ceiling seam/low spot in living area, clutter/cleanliness in bathrooms, and a heavily cracked/uneven concrete driveway. These are easy-to-fix or limited capital items; no large areas of collapsed finishes visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site safety, and curb appeal",
"score": 72.3,
"rationale": "Brick and painted siding look intact; gutters are present. Yard shows light overgrowth but no heavy neglect. Primary exterior concern is the driveway: severe cracking, uneven slabs and spalling could create trip hazards. Tree cover close to roof (pine needles observed) may accelerate roof wear and gutter clogging. No visible foundation cracks or major envelope failures in photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (5-year)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Life-safety and code risks (smoke, CO, egress, electrical)",
"score": 66.7,
"rationale": "No exposed wiring, visible outlet covers present, doors have functioning locks visible (deadbolt not shown). Bedrooms/windows appear to provide egress (large living window visible). Central HVAC vents visible. However smoke/CO detectors are not visible in photos (not confirmed), and GFCI protection in kitchen/bath cannot be verified from images; driveway has significant trip/crack hazards at entry. Bathroom/shower surround appears intact; no visible severe mold or active leaks. Overall moderate NSPIRE risk due to unchecked detector/GFCI presence and exterior trip hazard."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, plumbing, electrical systems",
"score": 69.0,
"rationale": "Central HVAC registers/vents are present indicating a forced-air system likely operational. Roof shingles show age/discoloration but no visible sagging or open areas. Kitchen appliances and laundry machines observed and appear functional. No visible plumbing leaks in photos; water heater and electrical panel not shown so their condition is assumed typical. No visible gas venting issues; stove appears electric. Given age (1971) but recent remodel, systems are likely serviceable but unverified components (panel, water heater) lower the score slightly."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Smoke and carbon-monoxide detectors are not visible in photos; assumed not verified and should be confirmed/installed as required.",
"Electrical panel, water heater and HVAC mechanical condition are not shown; assumed serviceable due to recent remodel but require verification (service records or inspection).",
"Bedrooms have code egress windows (large windows visible in living/bedroom photos) though measurements were not provided; assumed adequate.",
"No active roof leaks or major foundation movement indicated by photos; minor roof staining/discoloration observed and assumed cosmetic/age-related rather than acute failure.",
"GFCI protection at kitchen counters and bathroom outlets is unverified and should be confirmed; score reflects moderate risk due to this unknown.",
"Listing statement 'recently remodeled' is accurate and improvements (floors, paint, appliances) are recent as shown in photos.",
"Driveway deterioration is surface/concrete slab heave and not indicative of foundation failure of the dwelling."
],
"score_method": "mean_of_criteria",
"overall_score": 71.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7331137315"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.