Property ID: 7344236369
1073 Maria Dr, Jackson, MS, 39204
Jackson, MS
Money Down: $25,200
CoC Return: -0.68%
Monthly Cash Flow: $-14
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,000
Closing Costs
$4,200
Total Down
$25,200
Investment Snapshot
Purchase Price
$105,000
Money Down
$25,200
Cash-on-Cash Return
-0.68%
Rent
$854
Monthly Cash Flow
$-14
Annual Cash Flow
$-171
Debt Service / Mo
$559
Property Tax / Mo
$162
Insurance / Mo
$62
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$854
Payment Standard
$1,357
Rent
$854
Insurance
$62
Property Tax
$162
Management
$85
Utilities Allowance
$503
NOI (Monthly)
$545
Debt Service
$559
Cash Flow After Debt
$-14
Quality Score: 62.20%
Confidence: 84.00%
Based on exterior photo and listing, property appears generally serviceable and likely to pass a first HCV/NSPIRE inspection after addressing routine items (verify smoke/CO detectors, add GFCIs if missing, confirm HVAC and hot water operation). Primary concerns are an aging roof and unknown interior/system details; tenant in place and listing claim of 'no rehab' increase likelihood of operability. Estimated overall readiness: minor repairs likely, rent-ready within ~30 days with quick verification and minor fixes.
Section 8 Payment Standard
$1,357
Utility Allowance Total
$503
Guaranteed Section 8 Rent (PS - Utilities)
$854
Property Management
$85
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$105,000
Beds
5
Baths
2.5
Living Area
2,358 sqft
Lot Size
13,504 sqft
Year Built
1960
Days on Market
22
Capital Outlay
$25,200
Debt Service
$559
Property Tax / Mo
$162
Insurance / Mo
$62
Property Description
INVESTOR ALERT CASH BONANZA EXCELLENT CASH FLOW WITH TENANT IN PLACE. * NO DELAYS *NO REHAB *BUY AND HOLD / ANCHOR PORTFOLIO
Utility Allowances
Air Conditioning
$18
The property listing confirms 'Cooling: Electric', and this is a standard utility for a single-family home.
Cooking
$17
Cooking fuel is not specified. 'Electric' was chosen as the property listing confirms 'Electricity Connected' with no mention of gas service.
Heating
$73
The property listing confirms 'Heating: Electric'. The 'Electric' option was chosen over 'Electric Heat Pump' as it is the more expensive option, providing a conservative allowance.
Other Electric
$100
Standard allowance for general electricity usage (lights, outlets, etc.) in a residential unit.
Range/Microwave
$3
Assumed to be tenant-provided as the property listing does not explicitly state these appliances are included.
Refrigerator
$4
Assumed to be tenant-provided as the property listing does not explicitly state a refrigerator is included.
Sewer
$81
The property listing confirms connection to 'Public Sewer'.
Trash Collection
$37
Trash collection is a standard service for a single-family home and is assumed to be a tenant expense as it is included in the allowance schedule.
Water
$127
The property listing confirms the 'Water Source: Public'.
Water Heating
$43
Water heater fuel is not specified. 'Electric' was chosen as the a logical default given the other electric systems and lack of confirmed gas service.
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$677
DP3 Annual Estimate$802
DP1 Monthly Equivalent$56
DP3 Monthly Equivalent$67
Replacement Value$53,280
Basis2,358 sqft / 1960
Nearby Houses
Photo unavailable
1079 Maria Dr
sold · 0.02 mi
Price: $119,900
4 bd / 2 ba · 1,863 sqft
Latest sale: — on Feb 02, 2024
Latest rent: —
Photo unavailable
1066 Maria Dr
off_market · 0.04 mi
Price: $69,900
4 bd / 1 ba · 1,504 sqft
Latest sale: — on Apr 26, 1993
Latest rent: —
Photo unavailable
1080 Maria Dr
off_market · 0.05 mi
Price: $62,000
3 bd / 2 ba · 1,305 sqft
Latest sale: — on Dec 21, 2018
Latest rent: $1,350 on May 06, 2025
Photo unavailable
1016 Barbara Ann Dr
sold · 0.06 mi
Price: $40,000
3 bd / 1 ba · 1,250 sqft
Latest sale: — on Nov 24, 2023
Latest rent: $1,100 on Aug 02, 2025
Photo unavailable
1031 Barbara Ann Dr
sold · 0.09 mi
Price: $18,900
3 bd / 1 ba · 1,165 sqft
Latest sale: — on Nov 15, 2022
Latest rent: $700 on Sep 27, 2014
Photo unavailable
1078 Barbara Ann Dr
sold · 0.10 mi
Price: $29,900
3 bd / 1 ba · 1,121 sqft
Latest sale: — on Feb 14, 2024
Latest rent: $600 on Aug 12, 2013
Photo unavailable
1018 Maria Dr
sold · 0.10 mi
Price: $100,000
3 bd / 1 ba · 1,008 sqft
Latest sale: — on Jul 22, 2022
Latest rent: —
Photo unavailable
1019 Maria Dr
sold · 0.12 mi
Price: $100,000
3 bd / 2 ba · 1,908 sqft
Latest sale: — on Jul 10, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior conditions (smoke/CO detectors, GFCI outlets, operable plumbing fixtures, working stove/refrigerator) are not visible; assumed functional or replaceable quickly given tenant occupancy and 'NO REHAB' claim.
- HVAC and water heater are present and functioning but are likely aged given 1960 build; assumed operational for inspection but may require servicing.
- No visible structural sagging, major foundation movement or collapsed ceilings exist inside because exterior shows even roofline and no visible settlement.
- Roof shows age and staining but is not actively collapsed or leaking based on available exterior photo; assumed no active interior leaks observed by tenant/agent.
- Entry door(s) have at least basic locks; presence of deadbolt and interior handrails not confirmed and assumed likely but should be verified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,892 | $65,280 | $9,792 |
| 2023 | $1,883 | $65,280 | $9,792 |
| 2021 | $1,884 | $65,280 | $9,792 |
| 2020 | $1,859 | $64,790 | $9,719 |
| 2019 | $1,860 | $64,790 | $9,719 |
| 2018 | $1,840 | $64,790 | $9,719 |
| 2017 | $1,840 | $64,790 | $9,719 |
| 2016 | $465 | $64,790 | $6,479 |
| 2015 | $441 | $64,020 | $6,402 |
| 2014 | $440 | $64,020 | $6,402 |
| 2013 | $424 | $64,020 | $6,402 |
| 2012 | $424 | $64,020 | $6,402 |
| 2011 | $431 | $65,730 | $6,573 |
| 2010 | $427 | $65,730 | $6,573 |
| 2009 | $427 | $65,730 | $6,573 |
| 2008 | $427 | $54,030 | $5,403 |
| 2007 | $350 | $54,030 | $5,403 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2016-05-11 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-11-17 | Listed for rent | $1,250 | — |
| 2025-11-02 | Listed for rent | $1,250 | — |
| 2025-09-30 | Listed for rent | $1,500 | — |
Photo Gallery
Show raw JSON (debug)
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"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "110 days",
"source_listing_id": "4107295",
"price_change_percentage": null
},
{
"date": "2025-03-20",
"price": 135000,
"listing": {
"status": "off_market",
"list_date": "2025-03-20T04:25:45Z",
"list_price": 135000,
"listing_id": "2979573482",
"last_update_date": "2025-06-07T09:23:10Z",
"last_status_change_date": "2025-07-08T08:21:43Z"
},
"event_name": "Listed",
"price_sqft": 55.10204081632653,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4107295",
"price_change_percentage": null
},
{
"date": "2022-08-22",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-02-24T16:54:42Z",
"list_price": 89000,
"listing_id": "2940580071",
"last_update_date": "2022-07-29T13:40:41Z",
"last_status_change_date": "2022-08-22T08:20:57Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4010028",
"price_change_percentage": null
},
{
"date": "2022-03-16",
"price": 89000,
"listing": {
"status": "off_market",
"list_date": "2022-02-24T16:54:42Z",
"list_price": 89000,
"listing_id": "2940580071",
"last_update_date": "2022-07-29T13:40:41Z",
"last_status_change_date": "2022-08-22T08:20:57Z"
},
"event_name": "Relisted",
"price_sqft": 36.326530612244895,
"source_name": "MLSUnited",
"price_change": 89000,
"days_after_listed": null,
"source_listing_id": "4010028",
"price_change_percentage": null
},
{
"date": "2022-02-27",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-02-24T16:54:42Z",
"list_price": 89000,
"listing_id": "2940580071",
"last_update_date": "2022-07-29T13:40:41Z",
"last_status_change_date": "2022-08-22T08:20:57Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "3 days",
"source_listing_id": "4010028",
"price_change_percentage": null
},
{
"date": "2022-02-24",
"price": 89000,
"listing": {
"status": "off_market",
"list_date": "2022-02-24T16:54:42Z",
"list_price": 89000,
"listing_id": "2940580071",
"last_update_date": "2022-07-29T13:40:41Z",
"last_status_change_date": "2022-08-22T08:20:57Z"
},
"event_name": "Listed",
"price_sqft": 36.326530612244895,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4010028",
"price_change_percentage": null
},
{
"date": "2017-11-25",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2017-11-02T17:20:50Z",
"list_price": 85000,
"listing_id": "621591651",
"last_update_date": "2017-11-07T21:40:00Z",
"last_status_change_date": "2017-11-25T11:42:34Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "180 days",
"source_listing_id": "297717",
"price_change_percentage": null
},
{
"date": "2017-11-02",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2017-11-02T17:20:50Z",
"list_price": 85000,
"listing_id": "621591651",
"last_update_date": "2017-11-07T21:40:00Z",
"last_status_change_date": "2017-11-25T11:42:34Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -85000,
"days_after_listed": null,
"source_listing_id": "297717",
"price_change_percentage": null
},
{
"date": "2017-09-12",
"price": 85000,
"listing": {
"status": "off_market",
"list_date": "2017-11-02T17:20:50Z",
"list_price": 85000,
"listing_id": "621591651",
"last_update_date": "2017-11-07T21:40:00Z",
"last_status_change_date": "2017-11-25T11:42:34Z"
},
"event_name": "Price Changed",
"price_sqft": 34.69387755102041,
"source_name": "CentralMSMLS",
"price_change": 6000,
"days_after_listed": null,
"source_listing_id": "297717",
"price_change_percentage": null
},
{
"date": "2017-08-31",
"price": 79000,
"listing": {
"status": "off_market",
"list_date": "2017-11-02T17:20:50Z",
"list_price": 85000,
"listing_id": "621591651",
"last_update_date": "2017-11-07T21:40:00Z",
"last_status_change_date": "2017-11-25T11:42:34Z"
},
"event_name": "Price Changed",
"price_sqft": 32.244897959183675,
"source_name": "CentralMSMLS",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "297717",
"price_change_percentage": null
},
{
"date": "2017-07-07",
"price": 89000,
"listing": {
"status": "off_market",
"list_date": "2017-11-02T17:20:50Z",
"list_price": 85000,
"listing_id": "621591651",
"last_update_date": "2017-11-07T21:40:00Z",
"last_status_change_date": "2017-11-25T11:42:34Z"
},
"event_name": "Price Changed",
"price_sqft": 36.326530612244895,
"source_name": "CentralMSMLS",
"price_change": -6000,
"days_after_listed": null,
"source_listing_id": "297717",
"price_change_percentage": null
},
{
"date": "2017-06-10",
"price": 95000,
"listing": {
"status": "off_market",
"list_date": "2017-11-02T17:20:50Z",
"list_price": 85000,
"listing_id": "621591651",
"last_update_date": "2017-11-07T21:40:00Z",
"last_status_change_date": "2017-11-25T11:42:34Z"
},
"event_name": "Price Changed",
"price_sqft": 38.775510204081634,
"source_name": "CentralMSMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "297717",
"price_change_percentage": null
},
{
"date": "2017-05-29",
"price": 100000,
"listing": {
"status": "off_market",
"list_date": "2017-11-02T17:20:50Z",
"list_price": 85000,
"listing_id": "621591651",
"last_update_date": "2017-11-07T21:40:00Z",
"last_status_change_date": "2017-11-25T11:42:34Z"
},
"event_name": "Listed",
"price_sqft": 40.816326530612244,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "297717",
"price_change_percentage": null
},
{
"date": "2016-04-23",
"price": 30740,
"listing": {
"status": "off_market",
"list_date": "2016-03-17T07:00:00Z",
"list_price": 30740,
"listing_id": "607284615",
"last_update_date": "2016-03-30T21:46:00Z",
"last_status_change_date": "2016-03-30T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 12.552062066149448,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "37 days",
"source_listing_id": "284107",
"price_change_percentage": null
},
{
"date": "2016-03-17",
"price": 30740,
"listing": {
"status": "off_market",
"list_date": "2016-03-17T07:00:00Z",
"list_price": 30740,
"listing_id": "607284615",
"last_update_date": "2016-03-30T21:46:00Z",
"last_status_change_date": "2016-03-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 12.552062066149448,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "284107",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7344236369",
"generated_at": "2026-02-16T22:53:28.864070Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 62.2
},
"utility_allowance": {
"zip_code": "39204",
"home_photo": "https://ap.rdcpix.com/c77481e2c460fce4aa27acef9b98bc3el-m262734290s-w1280.jpg",
"rent_price": 854.0,
"loan_amount": 84000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1073-Maria-Dr_Jackson_MS_39204_M73442-36369",
"bedroom_count": 5,
"interest_rate": 0.07,
"purchase_price": 105000.0,
"loan_term_years": 30,
"annual_cash_flow": 6534.94,
"mortgage_monthly": 558.85,
"payment_standard": 1357.0,
"total_amount_out": 21000.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 61.62,
"monthly_cash_flow": 544.58,
"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": "The property listing confirms 'Cooling: Electric', and this is a standard utility for a single-family home.",
"utility": "Air Conditioning",
"allowance": 18
},
{
"note": "Cooking fuel is not specified. 'Electric' was chosen as the property listing confirms 'Electricity Connected' with no mention of gas service.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "The property listing confirms 'Heating: Electric'. The 'Electric' option was chosen over 'Electric Heat Pump' as it is the more expensive option, providing a conservative allowance.",
"utility": "Heating",
"allowance": 73
},
{
"note": "Standard allowance for general electricity usage (lights, outlets, etc.) in a residential unit.",
"utility": "Other Electric",
"allowance": 100
},
{
"note": "Assumed to be tenant-provided as the property listing does not explicitly state these appliances are included.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Assumed to be tenant-provided as the property listing does not explicitly state a refrigerator is included.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property listing confirms connection to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 81
},
{
"note": "Trash collection is a standard service for a single-family home and is assumed to be a tenant expense as it is included in the allowance schedule.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property listing confirms the 'Water Source: Public'.",
"utility": "Water",
"allowance": 127
},
{
"note": "Water heater fuel is not specified. 'Electric' was chosen as the a logical default given the other electric systems and lack of confirmed gas service.",
"utility": "Water Heating",
"allowance": 43
}
],
"cash_on_cash_return": 0.31,
"down_payment_amount": 21000.0,
"property_tax_annual": 1948.76,
"property_tax_monthly": 162.4,
"property_tax_increase": 0.03,
"utility_allowance_total": 503.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": -171.31,
"property_management_monthly": 85.4,
"monthly_cash_flow_after_debt": -14.28,
"cash_on_cash_return_after_debt": -0.01
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photo and listing, property appears generally serviceable and likely to pass a first HCV/NSPIRE inspection after addressing routine items (verify smoke/CO detectors, add GFCIs if missing, confirm HVAC and hot water operation). Primary concerns are an aging roof and unknown interior/system details; tenant in place and listing claim of 'no rehab' increase likelihood of operability. Estimated overall readiness: minor repairs likely, rent-ready within ~30 days with quick verification and minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Exterior shows an older ranch built 1960 with surface wear: stained/aged roof, older siding/trim, driveway staining, and mature landscaping requiring minor cleanup. No visible collapsed elements or severe exterior damage. Listing claims 'NO REHAB' and a tenant in place which supports functioning interior systems, so missing appliances or minor interior cosmetics are likely easy-to-fix. Score reflects minor-to-moderate cosmetic and end-of-life component risk (roof likely due replacement within a few years)."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards visible from exterior photo: no collapsed ceilings, no visible foundation failure, no obvious exposed wiring. However critical NSPIRE items (smoke/CO detectors, GFCI in kitchen/bath, bedroom egress, deadbolt on entry, interior handrails) are not visible in photos. Given age (1960), there's moderate risk that some detectors or GFCI protection are missing or outdated. Tenant-in-place lowers likelihood of immediate failure but absence of verification reduces score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 58.0,
"rationale": "Major systems not visible in photos. Roof shows discoloration/staining consistent with aging shingles which may be near end of service life. No visible HVAC equipment from front; plumbing/electrical condition unknown. Tenant occupancy and listing claim of no rehab suggest systems are operational, but age of home implies moderate replacement risk; score reflects unknown but plausible deferred maintenance on mechanicals and roof lifecycle concerns."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Front yard, sidewalk and carport appear serviceable. Brick foundation veneer and siding look intact with no visible large cracks or sagging. Driveway and carport show staining but no trip hazards or broken walkways are evident. Yard grading appears flat; no visible standing water in photo aside from wet pavement from rain. Overall exterior/site is serviceable with routine maintenance needed."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Interior conditions (smoke/CO detectors, GFCI outlets, operable plumbing fixtures, working stove/refrigerator) are not visible; assumed functional or replaceable quickly given tenant occupancy and 'NO REHAB' claim.",
"HVAC and water heater are present and functioning but are likely aged given 1960 build; assumed operational for inspection but may require servicing.",
"No visible structural sagging, major foundation movement or collapsed ceilings exist inside because exterior shows even roofline and no visible settlement.",
"Roof shows age and staining but is not actively collapsed or leaking based on available exterior photo; assumed no active interior leaks observed by tenant/agent.",
"Entry door(s) have at least basic locks; presence of deadbolt and interior handrails not confirmed and assumed likely but should be verified."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears moderately ready for Section 8 tenancy. Exterior and site are generally serviceable with mostly cosmetic deferred maintenance; however the aged roof, unknown interior safety devices (smoke/CO detectors), missing front step handrail, and uncertain mechanical (HVAC/electrical/plumbing) age elevate NSPIRE inspection risk. With tenant in place and no obvious structural distress from the exterior, the unit is likely to pass after addressing a few safety items and confirming functioning detectors, GFCI outlets, and secure handrails. Expect minor-to-moderate repairs and verifications; probable rent-ready timeline within 2–6 weeks depending on interior conditions and system verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior shows dated but intact finishes, minor deferred maintenance (overgrown shrubs, stained/aged roof surface, worn window coverings). No evidence of collapsed ceilings, major siding failure, or foundation drop from exterior photo. Listing claims 'NO REHAB' and tenant in place; therefore probable mostly cosmetic and routine repairs (paint, trim, landscaping, possible roof patching). Missing/unknown interior items (appliances, flooring, cosmetics) assumed moderate. Missing appliances alone not treated as catastrophic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Photo provides no view of smoke/CO detectors, GFCI outlets, electrical panel, or egress windows. Front steps appear to lack a handrail (trip/fall risk). No visible exposed wiring or collapsed structures. Given age (1960) potential lead-paint risk and likely older electrical components increase inspection risk. Tenant in place suggests functioning basic systems, but lack of visible safety devices and potential missing handrail create moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 55.0,
"rationale": "Roof surface looks aged and stained — may be near end-of-life and could require replacement in near term. No visible exterior HVAC equipment (compressor) in photo but that may be out of frame; heating/cooling condition unknown. No visible water intrusion or active leaks from exterior view; plumbing, water heater, electrical panel not visible. Given year built (1960) and visual roof wear, assume mechanicals are older and present moderate risk of repair/maintenance need."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Building appears level with intact siding/brick veneer and carport present. Driveway and walkway appear serviceable; yard is flat but slightly overgrown. No visible foundation cracking, standing water, major erosion, or infestation signs in photo. Roof condition reduces score but overall exterior/site appears serviceable for tenancy with basic cleanup and minor repairs."
},
{
"key": "rental_history_activity",
"label": "Rental history / recent rental activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Aged roof with visible staining and wear — potential near-term roof failure or leak risk",
"Front entry steps lack a visible handrail (unsafe stairs / trip-fall hazard)",
"Potential lead-based paint risk (house built 1960) requiring evaluation during inspection"
],
"confidence": 0.5,
"assumptions": [
"Interior photos and systems not provided; assume interior is occupied and in generally maintained condition because listing states 'NO REHAB' and tenant-in-place.",
"Smoke and carbon monoxide detectors, GFCI protection, water heater, HVAC and electrical panel locations were not visible in the provided photo and are assumed unknown.",
"No visible major foundation settlement, ceiling collapse, or active leaks from exterior photo; assume no catastrophic structural failures absent interior evidence.",
"Roof shows visible wear; assumed to be nearing end of life though not currently collapsed or actively leaking from exterior.",
"Appliances (stove, refrigerator) are unknown; missing appliances would be moderate inspection issue but not an immediate safety failure."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate inspection risk. From the street/photo and listing, the property appears structurally intact but shows age-related wear (roof, siding, trim) and some site maintenance needs. Key safety items (smoke/CO detectors, handrail, GFCI, egress windows) are not visible and likely require verification/repairs. Major systems are not apparent in photos (HVAC, water heater, electrical panel) so mechanical condition is uncertain. With targeted minor repairs and verification of smoke detectors, GFCI, and egress, the home could be ready for Section 8/HCV in roughly 30–60 days. Tenant-in-place and recent rental history are strong positive factors.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior shows surface-level deferred maintenance: roof shingles/discoloration indicating age, faded siding, overgrown shrubs, and possible worn trim. Front steps have no visible handrail (cosmetic + minor safety). No obvious collapsed ceilings, structural sagging, or major exterior damage in the provided photo. Listing notes a tenant in place and 'NO REHAB' but photo supports need for minor exterior repairs and likely some interior cosmetic work. Missing interior appliances or fixtures are not visible; if absent they would be moderate, not catastrophic."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 50.0,
"rationale": "Photo does not show smoke/CO detectors, GFCI outlets, egress window conditions, or electrical panel; these critical items are unknown and therefore create moderate inspection risk. Visible missing front porch handrail is a safety violation risk. Front entry appears intact with door present but deadbolt presence unknown. No visible exposed wiring or collapsed ceilings in photo. Age of home (1960) raises potential for lead-based paint risk which would require compliance actions if present."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 50.0,
"rationale": "Major systems not visible in provided photo: no external HVAC condenser located on the pictured elevation, water heater and electrical panel not visible. Roof shows wear and may be near end of service life which risks interior leaks. Given the building age, electrical and plumbing may be original or older and warrant inspection; tenant-occupied listing suggests systems are functioning but condition uncertainty equates to moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Yard and driveway are intact and reasonably flat; carport structure appears serviceable. Siding and brick foundation visible with no obvious major foundation displacement or large cracks from street view. Landscaping is overgrown and gutters are not visible (potential drainage issues). No visible standing water, erosion, or infestation evidence in photo."
},
{
"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": [
"Missing/absent front porch handrail (trip/fall hazard and likely failed safety item)",
"Roof shows heavy wear/discoloration — near end-of-life and potential leak risk",
"Property built in 1960 — potential lead-based paint hazards that require disclosure and risk mitigation"
],
"confidence": 0.6,
"assumptions": [
"Interior condition not shown; assume average wear for a 1960-built tenant-occupied home unless otherwise disclosed.",
"Smoke and CO detectors, GFCI outlets, and egress window conditions are unknown; assumed not verified and therefore potential inspection items.",
"No HVAC condenser is visible from the provided front photo; assume HVAC exists but its condition/age is unknown.",
"No visible electrical panel or water heater in photo; assume these systems are present but unverified.",
"Roof staining/discoloration indicates aged roofing that may be near end-of-life but not actively collapsed; assume inspection required to confirm leaks.",
"Listing 'NO REHAB' may be marketing language; photo shows at least minor exterior maintenance needed.",
"Front steps appear without a handrail; assume handrail missing (trip/fall hazard)."
],
"overall_score": 60.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1073 Maria Dr, Jackson, MS, 39204",
"aggregate": {
"summary": "Based on exterior photo and listing, property appears generally serviceable and likely to pass a first HCV/NSPIRE inspection after addressing routine items (verify smoke/CO detectors, add GFCIs if missing, confirm HVAC and hot water operation). Primary concerns are an aging roof and unknown interior/system details; tenant in place and listing claim of 'no rehab' increase likelihood of operability. Estimated overall readiness: minor repairs likely, rent-ready within ~30 days with quick verification and minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.3,
"rationale": "Exterior shows an older ranch built 1960 with surface wear: stained/aged roof, older siding/trim, driveway staining, and mature landscaping requiring minor cleanup. No visible collapsed elements or severe exterior damage. Listing claims 'NO REHAB' and a tenant in place which supports functioning interior systems, so missing appliances or minor interior cosmetics are likely easy-to-fix. Score reflects minor-to-moderate cosmetic and end-of-life component risk (roof likely due replacement within a few years)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Front yard, sidewalk and carport appear serviceable. Brick foundation veneer and siding look intact with no visible large cracks or sagging. Driveway and carport show staining but no trip hazards or broken walkways are evident. Yard grading appears flat; no visible standing water in photo aside from wet pavement from rain. Overall exterior/site is serviceable with routine maintenance needed."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 56.7,
"rationale": "No obvious life‑threatening hazards visible from exterior photo: no collapsed ceilings, no visible foundation failure, no obvious exposed wiring. However critical NSPIRE items (smoke/CO detectors, GFCI in kitchen/bath, bedroom egress, deadbolt on entry, interior handrails) are not visible in photos. Given age (1960), there's moderate risk that some detectors or GFCI protection are missing or outdated. Tenant-in-place lowers likelihood of immediate failure but absence of verification reduces score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 54.3,
"rationale": "Major systems not visible in photos. Roof shows discoloration/staining consistent with aging shingles which may be near end of service life. No visible HVAC equipment from front; plumbing/electrical condition unknown. Tenant occupancy and listing claim of no rehab suggest systems are operational, but age of home implies moderate replacement risk; score reflects unknown but plausible deferred maintenance on mechanicals and roof lifecycle concerns."
}
],
"red_flags": [],
"confidence": 0.84,
"assumptions": [
"Interior conditions (smoke/CO detectors, GFCI outlets, operable plumbing fixtures, working stove/refrigerator) are not visible; assumed functional or replaceable quickly given tenant occupancy and 'NO REHAB' claim.",
"HVAC and water heater are present and functioning but are likely aged given 1960 build; assumed operational for inspection but may require servicing.",
"No visible structural sagging, major foundation movement or collapsed ceilings exist inside because exterior shows even roofline and no visible settlement.",
"Roof shows age and staining but is not actively collapsed or leaking based on available exterior photo; assumed no active interior leaks observed by tenant/agent.",
"Entry door(s) have at least basic locks; presence of deadbolt and interior handrails not confirmed and assumed likely but should be verified."
],
"score_method": "mean_of_criteria",
"overall_score": 62.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7344236369"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.