Property ID: 7339408947
409 N Jackson St, Crystal Springs, MS, 39059
Crystal Springs, MS
Money Down: $20,880
CoC Return: 18.05%
Monthly Cash Flow: $314
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,400
Closing Costs
$3,480
Total Down
$20,880
Investment Snapshot
Purchase Price
$87,000
Money Down
$20,880
Cash-on-Cash Return
18.05%
Rent
$1,107
Monthly Cash Flow
$314
Annual Cash Flow
$3,768
Debt Service / Mo
$463
Property Tax / Mo
$98
Insurance / Mo
$121
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,107
Payment Standard
$1,400
Rent
$1,107
Insurance
$121
Property Tax
$98
Management
$111
Utilities Allowance
$293
NOI (Monthly)
$777
Debt Service
$463
Cash Flow After Debt
$314
Quality Score: 64.80%
Confidence: 88.00%
Overall the house appears structurally intact and largely turnkey with primarily cosmetic and deferred-maintenance work required. Kitchen appliances are present and interior finishes are serviceable, but several NSPIRE-required items are not visible in photos (smoke/CO detectors, GFCI by sink) and major systems (HVAC equipment, water heater, electrical panel) are unverified. Expect a likely pass after addressing detector/GFCI installation, minor repairs/cleaning, and verification/servicing of HVAC and water heater. Anticipated time-to-rent is within 2–4 weeks if no hidden system failures are found.
Section 8 Payment Standard
$1,400
Utility Allowance Total
$293
Guaranteed Section 8 Rent (PS - Utilities)
$1,107
Property Management
$111
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$87,000
Beds
2
Baths
1
Living Area
1,827 sqft
Lot Size
18,295 sqft
Year Built
1940
Days on Market
81
Capital Outlay
$20,880
Debt Service
$463
Property Tax / Mo
$98
Insurance / Mo
$121
Property Description
Sitting on a corner lot this house in Crystal Springs MS is ready for its new homeowner. Crystal Springs sits between Jackson and Brookhaven with convenience to I-55. Hardwood floors and high ceilings with oversized bedrooms gives style and space at an affordable price. Call your real estate agent today to schedule your showing.
Utility Allowances
Air Conditioning
$10
Property has Central Air, and the allowance is based on the fixed schedule amount for a 2-bedroom unit.
Cooking
$9
Property information specifies an 'Electric Range', so the electric cooking allowance for a 2-bedroom unit was selected.
Heating
$17
Natural gas is available and used for water heating, making it the most probable fuel for the central heating system. The natural gas option for a 2-bedroom unit was selected.
Other Electric
$56
This is a standard allowance for miscellaneous electrical usage (e.g., lights, outlets) and is applied based on the schedule for a 2-bedroom unit.
Range/Microwave
$3
A microwave was not explicitly listed as a provided appliance in the property data, so it is assumed to be tenant-owned per the rules.
Refrigerator
$4
A refrigerator was not explicitly listed as a provided appliance in the property data, so it is assumed to be tenant-owned per the rules.
Sewer
$49
Property data indicates a connection to 'Public Sewer', so the fixed allowance for a 2-bedroom unit is included.
Trash Collection
$37
Trash collection is a standard municipal service for a single-family home and is assumed to be a tenant expense.
Water
$93
Property data indicates a connection to a 'Public' water source, so the fixed allowance for a 2-bedroom unit is included.
Water Heating
$15
Property information explicitly lists a 'Gas Water Heater', so the natural gas option for a 2-bedroom unit was selected.
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$1,418
DP3 Annual Estimate$1,483
DP1 Monthly Equivalent$118
DP3 Monthly Equivalent$124
Replacement Value$87,580
Basis1,827 sqft / 1940
Nearby Houses
Photo unavailable
406 N Jackson St
sold · 0.03 mi
Price: $124,500
3 bd / 2 ba · 1,468 sqft
Latest sale: — on Sep 30, 2022
Latest rent: —
Photo unavailable
401 N Jackson St
sold · 0.06 mi
Price: $135,000
5 bd / 3 ba · 3,100 sqft
Latest sale: — on Sep 29, 2023
Latest rent: —
Photo unavailable
100 Glenn St
sold · 0.09 mi
Price: $169,500
5 bd / 3 ba · 2,090 sqft
Latest sale: — on Apr 06, 2021
Latest rent: —
Photo unavailable
Fulgham Ave
sold · 0.09 mi
Price: $40,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
304 N Jackson St
sold · 0.10 mi
Price: $199,000
3 bd / 2 ba · 1,863 sqft
Latest sale: — on Jan 24, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors and carbon monoxide detectors are not visible in the photos and are assumed not installed or not verified; they will likely need verification/installation to meet NSPIRE.
- Central HVAC is assumed present (floor vent visible) but the HVAC unit and its operational status are not shown and must be tested/serviced.
- Water heater and electrical service panel exist on the property but are not visible; their condition is unknown and assumed serviceable until proven otherwise.
- No active roof leaks or interior water intrusion are visible in photos; roof is aged but assumed to be watertight at time of listing.
- Appliances shown (range, microwave, dishwasher) are assumed present and potentially operable but should be function-tested prior to inspection; refrigerator is not pictured and may not be included.
- Windows and sizes shown provide required egress for bedrooms, but bedroom layout/egress compliance cannot be fully confirmed from provided photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,146 | $96,570 | $9,657 |
| 2024 | $956 | $96,570 | $9,657 |
| 2023 | $967 | $80,930 | $8,093 |
| 2022 | $977 | $80,930 | $8,093 |
| 2021 | $949 | $80,930 | $8,093 |
| 2020 | $884 | $75,300 | $7,530 |
| 2019 | $894 | $75,190 | $7,519 |
| 2018 | $883 | $75,190 | $7,519 |
| 2017 | $847 | $75,190 | $7,519 |
| 2016 | $809 | $71,440 | $7,144 |
| 2015 | $818 | $71,440 | $7,144 |
| 2014 | $816 | $71,440 | $7,144 |
| 2013 | $794 | $71,440 | $7,144 |
| 2012 | $1,007 | $67,870 | $6,787 |
| 2011 | $276 | $67,870 | $6,787 |
| 2010 | $270 | $67,870 | $6,787 |
| 2009 | $665 | $67,400 | $6,740 |
| 2008 | $618 | $59,860 | $5,986 |
| 2007 | $636 | $59,860 | $5,986 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1996-02-21 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2020-07-11 | Listed for rent | $1,100 | — |
| 2019-08-02 | Listed for rent | $1,100 | — |
Photo Gallery
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"property_management_monthly": 110.7,
"monthly_cash_flow_after_debt": 314.01,
"cash_on_cash_return_after_debt": 0.22
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the house appears structurally intact and largely turnkey with primarily cosmetic and deferred-maintenance work required. Kitchen appliances are present and interior finishes are serviceable, but several NSPIRE-required items are not visible in photos (smoke/CO detectors, GFCI by sink) and major systems (HVAC equipment, water heater, electrical panel) are unverified. Expect a likely pass after addressing detector/GFCI installation, minor repairs/cleaning, and verification/servicing of HVAC and water heater. Anticipated time-to-rent is within 2–4 weeks if no hidden system failures are found.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior is largely intact with original hardwood and finished kitchen/cabinets; visible issues are cosmetic wear (scuffed/worn floors, wall scuffs, dirt/debris), some trim wear, and overgrown landscaping. Major surfaces (floors, cabinets, counters) appear serviceable; appliances (range, microwave, dishwasher) are present though cleanliness and functionality unverified. No visible collapsed ceilings, large holes, or exposed subfloor. Missing fridge not pictured but not treated as catastrophic."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 62.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no visible severe mold). Entry door shows both knob and what appears to be a deadbolt. Bedroom egress windows appear present (large windows in bedrooms and common areas). However smoke detectors and carbon monoxide detectors are not visible in photos (NSPIRE requires functioning smoke detectors in key locations). GFCI outlets at kitchen sink are not clearly visible. No exposed wiring is apparent in photos. Given absence of visible detectors and uncertain GFCI, there is moderate NSPIRE risk that requires verification/installation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Kitchen appliances (electric range, microwave, dishwasher) are present which reduces appliance risk. Floor vent visible suggesting central HVAC/forced-air but the HVAC unit, water heater and electrical panel are not shown/verified. Roof shingles look aged but intact in photos with some debris in valleys/gutters — no active leaks visible. Plumbing fixtures (kitchen sink) present; no visible active leaks. Unknown condition of heating/cooling, water heater, and service panel require verification; lack of visible mechanical equipment reduces score moderately."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior shows an intact roofline and siding, brick porch base and columns in place. Yard is overgrown and gutters/porch edges have leaf/debris buildup; some shrubs encroach on foundation area which should be cleared. No visible major foundation cracks or sagging. Porch steps show some wear but appear functional. Overall exterior shows deferred maintenance but not structural failure in photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in the photos and are assumed not installed or not verified; they will likely need verification/installation to meet NSPIRE.",
"Central HVAC is assumed present (floor vent visible) but the HVAC unit and its operational status are not shown and must be tested/serviced.",
"Water heater and electrical service panel exist on the property but are not visible; their condition is unknown and assumed serviceable until proven otherwise.",
"No active roof leaks or interior water intrusion are visible in photos; roof is aged but assumed to be watertight at time of listing.",
"Appliances shown (range, microwave, dishwasher) are assumed present and potentially operable but should be function-tested prior to inspection; refrigerator is not pictured and may not be included.",
"Windows and sizes shown provide required egress for bedrooms, but bedroom layout/egress compliance cannot be fully confirmed from provided photos."
],
"overall_score": 66.0,
"rubric_version": "1.0"
},
{
"summary": "This older, well-built single-family home appears generally sound with mostly cosmetic and capital-repair items. Kitchens and appliances are present and interior structure (ceilings, windows, major rooms) look serviceable. The property would likely NOT pass an initial NSPIRE inspection without corrective work: install/verify smoke detectors and CO alarms (if required), add/repair porch handrail or guardrail as needed, verify/repair GFCI protection at kitchen, clean gutters and trim vegetation, and perform routine checks of HVAC, water heater, and electrical panel. With those targeted fixes (most are short-term items plus some minor carpentry/painting), the property should be rent-ready within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior finishes are mostly intact: hardwood floors are worn and need refinishing, paint and baseboards show scuffs, kitchen cabinets/counters intact but need cleaning. Appliances (electric range, microwave, dishwasher) are present which reduces repair needs. Exterior porch steps show some concrete edge spalling and vegetation is overgrown. Overall visible issues are cosmetic and moderate, repairable with routine rehab and cleaning."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 50.0,
"rationale": "Observed safety concerns that would likely cause an initial NSPIRE fail: no visible smoke detectors in photos (required), no visible GFCI at kitchen sink (not confirmed), and the front porch steps lack a handrail/guardrail which is a common fail depending on riser/height. Entry door shows two locks (deadbolt present). No exposed wiring or collapsed ceilings observed. Several required items (CO alarms, smoke alarms, GFCI) are not shown and should be installed/verified prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 60.0,
"rationale": "Major systems are not fully visible. Floor/ceiling vents and recessed lighting indicate central HVAC and electrical service likely present, but their operational status is unknown. Roof appears intact with no visible sagging or missing large areas though gutters have debris. No water intrusion, active leaks, or collapsed ceilings seen. Water heater and electrical panel not shown; recommend service checks. Risk is moderate due to unverified equipment functionality."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "House sits on corner lot with intact siding and no visible foundation cracking. Landscaping is overgrown with shrubs touching the house which raises moisture/pest risk. Front porch lacks railing and steps show deterioration at edges. Gutters contain leaves. Walkway exists but is covered in leaf litter. Exterior neglect is moderate and repair/cleanup is straightforward."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors in living areas/bedrooms (required) — likely inspection fail until installed.",
"Front porch steps / raised porch have no handrail/guardrail — possible NSPIRE fail depending on rise/height.",
"Overgrown vegetation contacting siding (moisture / pest risk).",
"Possible lack of GFCI protection at kitchen sink area (not visible).",
"Cracked/spalling concrete on porch steps (trip/fall hazard)."
],
"confidence": 0.7,
"assumptions": [
"Photos are recent and representative of the entire property condition.",
"Central HVAC is present (inferred from visible floor vents) but its operational status is unknown.",
"No smoke or CO detectors are present in the home (none are visible in photos); if present they are not obvious and should be tested/replaced.",
"Water heater, electrical panel, and plumbing fixtures exist but were not photographed; their condition is unknown and assumed functional until checked.",
"Appliances shown (electric stove, microwave, dishwasher) are included and assumed serviceable but should be tested prior to move-in.",
"No signs of active roof leaks, severe mold, structural sagging, or collapsed ceilings were visible in provided photos."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2-bed single-family house is in solid, mostly cosmetic condition and appears likely to pass a Section 8 (NSPIRE) inspection after addressing a short list of safety items. Primary actions to achieve pass: install or verify smoke/CO alarms, provide GFCI protection at kitchen/bath outlets, repair/secure front steps and add a compliant handrail, clean gutters and clear vegetation at foundation, and address minor interior repairs (floor refinishing, trim). Estimated time to rent-ready: 2–6 weeks depending on contractor scheduling and actual mechanical verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior show generally sound fabric with cosmetic wear: hardwood floors are scratched and will need refinishing or spot repair, paint is dated and scuffed, trim and thresholds show wear, front porch steps/brick caps show spalling/deterioration, gutters contain leaf debris. Kitchen cabinets and counter surfaces appear serviceable and major appliances (range, microwave, dishwasher) are present and appear intact; refrigerator not shown. No large areas of collapsed finishes visible. Overall repairs are mostly cosmetic and moderate in scope."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (none clearly mounted in common areas). Entry door appears to have a deadbolt. No exposed wiring seen in photos; switches/outlets appear intact. GFCI outlets at kitchen sink are not visible and likely required. Front steps lack a handrail and the brick/step deterioration is a trip/fall risk. No visible ceiling/floor collapse, major mold, or active leaks in provided images. Several unknowns (electrical panel condition, hot water, accessible bedroom egress) lower the score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Plumbing, Electrical)",
"score": 65.0,
"rationale": "Roof appears intact from photos with no visible sagging or open areas, but shingles look aged and gutters need cleaning. Floor vent registers are visible in kitchen which indicates a forced-air system likely present (not photographed). Kitchen plumbing fixtures and dishwasher are present; no obvious leaks shown. Recessed lighting and microwave hood indicate functional electrical circuits; electrical panel and water heater not shown. Given age of house (1940) expect older mechanicals — functional but should be verified by service checks."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Siding and trim appear largely intact; porches and columns are standing but paint/trim need repair. Vegetation is overgrown and shrubs are close to the foundation which can cause moisture/infestation risk. Walk path to porch is present but leaf/debris coverage and worn landscaping are trip hazards. No standing water visible. Foundation appears generally stable from photos with no obvious major cracks or settlement visible, though close inspection recommended."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (last 5 yrs)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing or not-visible smoke detectors / CO alarms (likely required for pass)",
"Front steps: missing handrail and visible deterioration of brick/step caps (trip/fall hazard and code issue)",
"Overgrown vegetation against siding which raises moisture/infestation risk and can hide damage",
"Gutters filled with debris (risk of water intrusion) and some exterior trim deterioration"
],
"confidence": 0.65,
"assumptions": [
"No smoke or CO detectors are present in the photographed areas (none visible); assume they are not installed or need replacement.",
"A forced-air HVAC system is present because floor registers are visible; actual operational condition and age are unknown and should be verified.",
"Water heater and electrical panel exist but were not photographed; assume functional but require inspection/testing.",
"Bedrooms have at least one code-compliant egress window each (not shown), but this must be confirmed during inspection.",
"Refrigerator is not shown and may not be included; kitchen has stove, microwave, and dishwasher present and assumed serviceable.",
"No active roof leaks or major foundation movement are visible in photos; assume no catastrophic structural issues but recommend on-site inspection."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "409 N Jackson St, Crystal Springs, MS, 39059",
"aggregate": {
"summary": "Overall the house appears structurally intact and largely turnkey with primarily cosmetic and deferred-maintenance work required. Kitchen appliances are present and interior finishes are serviceable, but several NSPIRE-required items are not visible in photos (smoke/CO detectors, GFCI by sink) and major systems (HVAC equipment, water heater, electrical panel) are unverified. Expect a likely pass after addressing detector/GFCI installation, minor repairs/cleaning, and verification/servicing of HVAC and water heater. Anticipated time-to-rent is within 2–4 weeks if no hidden system failures are found.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior is largely intact with original hardwood and finished kitchen/cabinets; visible issues are cosmetic wear (scuffed/worn floors, wall scuffs, dirt/debris), some trim wear, and overgrown landscaping. Major surfaces (floors, cabinets, counters) appear serviceable; appliances (range, microwave, dishwasher) are present though cleanliness and functionality unverified. No visible collapsed ceilings, large holes, or exposed subfloor. Missing fridge not pictured but not treated as catastrophic."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Exterior shows an intact roofline and siding, brick porch base and columns in place. Yard is overgrown and gutters/porch edges have leaf/debris buildup; some shrubs encroach on foundation area which should be cleared. No visible major foundation cracks or sagging. Porch steps show some wear but appear functional. Overall exterior shows deferred maintenance but not structural failure in photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 57.3,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no visible severe mold). Entry door shows both knob and what appears to be a deadbolt. Bedroom egress windows appear present (large windows in bedrooms and common areas). However smoke detectors and carbon monoxide detectors are not visible in photos (NSPIRE requires functioning smoke detectors in key locations). GFCI outlets at kitchen sink are not clearly visible. No exposed wiring is apparent in photos. Given absence of visible detectors and uncertain GFCI, there is moderate NSPIRE risk that requires verification/installation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 61.7,
"rationale": "Kitchen appliances (electric range, microwave, dishwasher) are present which reduces appliance risk. Floor vent visible suggesting central HVAC/forced-air but the HVAC unit, water heater and electrical panel are not shown/verified. Roof shingles look aged but intact in photos with some debris in valleys/gutters — no active leaks visible. Plumbing fixtures (kitchen sink) present; no visible active leaks. Unknown condition of heating/cooling, water heater, and service panel require verification; lack of visible mechanical equipment reduces score moderately."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in the photos and are assumed not installed or not verified; they will likely need verification/installation to meet NSPIRE.",
"Central HVAC is assumed present (floor vent visible) but the HVAC unit and its operational status are not shown and must be tested/serviced.",
"Water heater and electrical service panel exist on the property but are not visible; their condition is unknown and assumed serviceable until proven otherwise.",
"No active roof leaks or interior water intrusion are visible in photos; roof is aged but assumed to be watertight at time of listing.",
"Appliances shown (range, microwave, dishwasher) are assumed present and potentially operable but should be function-tested prior to inspection; refrigerator is not pictured and may not be included.",
"Windows and sizes shown provide required egress for bedrooms, but bedroom layout/egress compliance cannot be fully confirmed from provided photos."
],
"score_method": "mean_of_criteria",
"overall_score": 64.8,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7339408947"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.