Property ID: 7349820146
2944 Glenderry St, Jackson, MS, 39212
Jackson, MS
Money Down: $14,880
CoC Return: 49.90%
Monthly Cash Flow: $619
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$12,400
Closing Costs
$2,480
Total Down
$14,880
Investment Snapshot
Purchase Price
$62,000
Money Down
$14,880
Cash-on-Cash Return
49.90%
Rent
$1,156
Monthly Cash Flow
$619
Annual Cash Flow
$7,425
Debt Service / Mo
$330
Property Tax / Mo
$57
Insurance / Mo
$35
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,156
Payment Standard
$1,620
Rent
$1,156
Insurance
$35
Property Tax
$57
Management
$116
Utilities Allowance
$464
NOI (Monthly)
$949
Debt Service
$330
Cash Flow After Debt
$619
Quality Score: 65.30%
Confidence: 95.00%
Moderately turnkey for Section 8/HCV but requires verification and some repairs. Exterior is generally intact and tenant-occupied, which supports rent-readiness, but the aged roof, cracked driveway, tree overhang, and unknown status of HVAC, smoke/CO detectors, and interior systems create inspection risks. Likely outcome: with basic safety verifications (working smoke/CO detectors, GFCIs, secure deadbolt) and addressing driveway trip hazards and roof debris/repair, the property should be able to pass an initial HCV/NSPIRE inspection after 14–30 days of targeted work. Expect possible capital expense for roof or HVAC replacement within a short timeframe pending in-person system checks.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$464
Guaranteed Section 8 Rent (PS - Utilities)
$1,156
Property Management
$116
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$62,000
Beds
3
Baths
2
Living Area
1,700 sqft
Lot Size
12,632 sqft
Year Built
1956
Days on Market
175
Capital Outlay
$14,880
Debt Service
$330
Property Tax / Mo
$57
Insurance / Mo
$35
Property Description
3 bedroom and 2 bath. Leased at $950 per month. Perfect for investors! Sold in as is condition. NO SHOWINGS until this property has accepted contract. Do not disturb the tenants.
Utility Allowances
Air Conditioning
$12
Property has 'Central Air' cooling, so this fixed allowance is applicable.
Cooking
$29
Cooking fuel type is not specified. As per instructions, the most expensive option (Bottled Gas) was selected from the schedule.
Heating
$78
Heating fuel type is not specified for the 'Central' heating system. As per instructions, the most expensive option (Bottled Gas) was selected from the schedule.
Other Electric
$69
This is a standard fixed allowance for general electricity usage (e.g., lights and outlets).
Range/Microwave
$3
The property listing does not state that a range or microwave is provided, so it is assumed to be tenant-owned and the corresponding allowance is included.
Refrigerator
$4
The property listing does not state that a refrigerator is provided, so it is assumed to be tenant-owned and the corresponding allowance is included.
Sewer
$60
The property is explicitly listed as being connected to 'Public Sewer'.
Trash Collection
$37
Trash collection is a standard utility for a single-family home.
Water
$104
The property is explicitly listed as having a 'Public' water source.
Water Heating
$68
Water heating fuel type is not specified. As per instructions, the most expensive option (Bottled Gas) was selected from the schedule.
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$257
DP3 Annual Estimate$578
DP1 Monthly Equivalent$21
DP3 Monthly Equivalent$48
Replacement Value$12,880
Basis1,700 sqft / 1956
Nearby Houses
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3 bd / 2 ba · 1,400 sqft
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1215 Tara Rd
sold · 0.06 mi
Price: $67,000
4 bd / 2 ba · 1,440 sqft
Latest sale: — on Jul 22, 2024
Latest rent: $1,495 on Aug 22, 2024
Photo unavailable
1221 Tara Rd
sold · 0.07 mi
Price: $32,900
3 bd / 2 ba · 1,260 sqft
Latest sale: — on Mar 20, 2024
Latest rent: $795 on Mar 21, 2018
Photo unavailable
415 Daniel Cir
sold · 0.09 mi
Price: $68,900
4 bd / 2 ba · 1,547 sqft
Latest sale: — on Apr 17, 2023
Latest rent: —
Photo unavailable
1222 Tara Rd
sold · 0.10 mi
Price: $63,000
3 bd / 2 ba · 1,188 sqft
Latest sale: — on Jun 05, 2023
Latest rent: $750 on Aug 06, 2018
Photo unavailable
1221 Glen Erin St
sold · 0.11 mi
Price: $10,500
3 bd / 1 ba · 1,254 sqft
Latest sale: — on May 07, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Aged roof with debris and staining — potential for near-term roof failure or leaks
- Large trees directly over/adjacent to roof — increased risk of falling limbs, clogged gutters, roof damage
- Cracked/uneven driveway (trip hazard)
- No exterior HVAC condenser visible in photos — heating/cooling system condition unknown and may be absent or aged
- Tenant-occupied 'sold as-is' listing limits interior verification prior to purchase/inspection
Assumptions
- Interior condition (walls, floors, plumbing fixtures, appliances) is unknown; assume tenant maintains reasonable interior cleanliness but not recent rehab.
- Utilities are active for tenant occupation; hot water and basic plumbing are functioning unless otherwise revealed during inspection.
- Smoke and carbon monoxide detectors are present because the unit is tenant-occupied, but their installation locations and working status must be verified on inspection.
- HVAC exists inside but outdoor condenser is not visible in supplied photos; HVAC age and operability are unknown and may require service or replacement.
- No evident major foundation movement or structural sagging from front elevations; assume foundation is serviceable pending a closer inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $663 | $22,880 | $3,432 |
| 2023 | $660 | $22,880 | $3,432 |
| 2021 | $660 | $22,880 | $3,432 |
| 2020 | $1,184 | $41,270 | $6,191 |
| 2019 | $1,185 | $41,270 | $6,191 |
| 2018 | $1,172 | $41,270 | $6,191 |
| 2017 | $1,172 | $41,270 | $6,191 |
| 2016 | $1,141 | $41,270 | $6,191 |
| 2015 | $1,083 | $40,340 | $6,051 |
| 2014 | $1,081 | $40,340 | $6,051 |
| 2013 | $1,051 | $40,340 | $6,051 |
| 2012 | $1,051 | $40,340 | $6,051 |
| 2011 | $1,022 | $39,780 | $5,967 |
| 2010 | $1,016 | $39,780 | $5,967 |
| 2009 | $1,016 | $39,780 | $5,967 |
| 2008 | $1,016 | $32,840 | $4,926 |
| 2007 | $847 | $32,840 | $4,926 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-29 | Price Changed | $62,000 |
| 2025-08-25 | Listed | $64,500 |
| 2024-11-09 | Listing removed | $0 |
| 2024-09-26 | Price Changed for rent | $950 |
| 2024-07-27 | Listed for rent | $1,050 |
| 2024-04-09 | Listing removed | $0 |
| 2024-02-16 | Listed for rent | $1,095 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-07-27 | Listed for rent | $1,050 | — |
| 2024-02-15 | Listed for rent | $1,095 | — |
Photo Gallery
Show raw JSON (debug)
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"building": 4467
}
},
{
"tax": 1016,
"year": 2008,
"market": {
"land": 6500,
"total": 32840,
"building": 26340
},
"assessment": {
"land": 975,
"total": 4926,
"building": 3951
}
},
{
"tax": 847,
"year": 2007,
"market": {
"land": 6500,
"total": 32840,
"building": 26340
},
"assessment": {
"land": 975,
"total": 4926,
"building": 3951
}
}
],
"property_history": [
{
"date": "2025-10-29",
"price": 62000,
"listing": {
"status": "for_sale",
"list_date": "2025-08-25T18:44:51Z",
"list_price": 62000,
"listing_id": "2985718179",
"last_update_date": "2025-12-16T15:58:28Z",
"last_status_change_date": "2025-08-25T18:44:51Z"
},
"event_name": "Price Changed",
"price_sqft": 57.674418604651166,
"source_name": "MLSUnited",
"price_change": -2500,
"days_after_listed": null,
"source_listing_id": "4123546",
"price_change_percentage": null
},
{
"date": "2025-08-25",
"price": 64500,
"listing": {
"status": "for_sale",
"list_date": "2025-08-25T18:44:51Z",
"list_price": 62000,
"listing_id": "2985718179",
"last_update_date": "2025-12-16T15:58:28Z",
"last_status_change_date": "2025-08-25T18:44:51Z"
},
"event_name": "Listed",
"price_sqft": 60,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4123546",
"price_change_percentage": null
},
{
"date": "2024-11-09",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 950,
"listing_id": "2970109432",
"last_update_date": "2024-09-26T01:06:22Z",
"last_status_change_date": "2024-11-09T01:00:43Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "907ad156-fb4e-11ee-a6d4-024e11a41c3d",
"price_change_percentage": null
},
{
"date": "2024-09-26",
"price": 950,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 950,
"listing_id": "2970109432",
"last_update_date": "2024-09-26T01:06:22Z",
"last_status_change_date": "2024-11-09T01:00:43Z"
},
"event_name": "Price Changed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": -100,
"days_after_listed": null,
"source_listing_id": "907ad156-fb4e-11ee-a6d4-024e11a41c3d",
"price_change_percentage": null
},
{
"date": "2024-07-27",
"price": 1050,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 950,
"listing_id": "2970109432",
"last_update_date": "2024-09-26T01:06:22Z",
"last_status_change_date": "2024-11-09T01:00:43Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "907ad156-fb4e-11ee-a6d4-024e11a41c3d",
"price_change_percentage": null
},
{
"date": "2024-04-09",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1095,
"listing_id": "2964160294",
"last_update_date": "2024-02-15T23:02:53Z",
"last_status_change_date": "2024-04-09T04:05:36Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "645895",
"price_change_percentage": null
},
{
"date": "2024-02-16",
"price": 1095,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1095,
"listing_id": "2964160294",
"last_update_date": "2024-02-15T23:02:53Z",
"last_status_change_date": "2024-04-09T04:05:36Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8488372093023255,
"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "645895",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7349820146",
"generated_at": "2026-02-16T23:20:28.625761Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.3
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/0a318682a876ff7b51d123ac61484f9al-m2374016318s-w1280.jpg",
"rent_price": 1156.0,
"loan_amount": 49600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2944-Glenderry-St_Jackson_MS_39212_M73498-20146",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 62000.0,
"loan_term_years": 30,
"annual_cash_flow": 11384.41,
"mortgage_monthly": 329.99,
"payment_standard": 1620.0,
"total_amount_out": 12400.0,
"additional_photos": [
"https://ap.rdcpix.com/0a318682a876ff7b51d123ac61484f9al-m1089566478s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 34.79,
"monthly_cash_flow": 948.7,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Property has 'Central Air' cooling, so this fixed allowance is applicable.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Cooking fuel type is not specified. As per instructions, the most expensive option (Bottled Gas) was selected from the schedule.",
"utility": "Cooking",
"allowance": 29
},
{
"note": "Heating fuel type is not specified for the 'Central' heating system. As per instructions, the most expensive option (Bottled Gas) was selected from the schedule.",
"utility": "Heating",
"allowance": 78
},
{
"note": "This is a standard fixed allowance for general electricity usage (e.g., lights and outlets).",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "The property listing does not state that a range or microwave is provided, so it is assumed to be tenant-owned and the corresponding allowance is included.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property listing does not state that a refrigerator is provided, so it is assumed to be tenant-owned and the corresponding allowance is included.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property is explicitly listed as being connected to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Trash collection is a standard utility for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property is explicitly listed as having a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Water heating fuel type is not specified. As per instructions, the most expensive option (Bottled Gas) was selected from the schedule.",
"utility": "Water Heating",
"allowance": 68
}
],
"cash_on_cash_return": 0.92,
"down_payment_amount": 12400.0,
"property_tax_annual": 682.89,
"property_tax_monthly": 56.91,
"property_tax_increase": 0.03,
"utility_allowance_total": 464.0,
"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": 7424.53,
"property_management_monthly": 115.6,
"monthly_cash_flow_after_debt": 618.71,
"cash_on_cash_return_after_debt": 0.6
},
"section8_assessment": {
"runs": [
{
"summary": "Moderately turnkey for Section 8/HCV but requires verification and some repairs. Exterior is generally intact and tenant-occupied, which supports rent-readiness, but the aged roof, cracked driveway, tree overhang, and unknown status of HVAC, smoke/CO detectors, and interior systems create inspection risks. Likely outcome: with basic safety verifications (working smoke/CO detectors, GFCIs, secure deadbolt) and addressing driveway trip hazards and roof debris/repair, the property should be able to pass an initial HCV/NSPIRE inspection after 14–30 days of targeted work. Expect possible capital expense for roof or HVAC replacement within a short timeframe pending in-person system checks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 68.0,
"rationale": "Exterior photos show a generally intact single-family home with a maintained lawn and intact porch/railings. Observable deferred maintenance: aged roof with debris and dark staining (likely past 15-25 years), cracked driveway with uneven areas, tree stump in front yard, and exterior paint/trim that will need touch-up. Porch lattice and steps appear serviceable but will likely need scraping/paint. No visible collapsed surfaces or severe exterior deterioration. Missing interior photos prevent assessment of flooring/cabinets; listing is 'as-is' and tenant-occupied which can conceal interior minor wear. Overall cosmetic and mid-level capital repairs are indicated rather than major structural rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 64.0,
"rationale": "No obvious life-threatening hazards visible externally: no collapsed ceilings, no standing water, no visible exposed wiring, and entry has a security door. However, several NSPIRE safety items are unverifiable from photos: smoke/CO detectors, GFCI outlets, egress condition of bedroom windows, electrical panel condition, and hot water availability. Observable risks: large trees overhang the roof (increases risk of roof/ gutter blockage and falling limbs), cracked driveway creates trip hazard, and tree stump near front yard is a potential trip hazard. Entry appears secure (screen/security door) but deadbolt presence cannot be confirmed. Given tenant-occupied status, assume basic safety devices may be present but require verification on inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 58.0,
"rationale": "No exterior HVAC condenser, water heater, electrical meter/panel, or plumbing vents are visible in supplied photos. The roof shows aging and debris which raises concern for remaining service life and potential past leaks. Chimney is present (older fireplace) which may indicate older heating sources. Given year built (1956) and visual roof condition, major systems (HVAC, roof, water heater, electrical) are likely older and should be tested; absence of visible condenser in photos increases uncertainty about heating/cooling provision. Because there are no clear signs of catastrophic failure visible, systems score is moderate but warrants in-person verification and probable near-term capital replacement for HVAC or roof."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 62.0,
"rationale": "Lot appears reasonably maintained with mowed lawn and usable front yard. Driveway shows significant cracking and settlement — maintenance/repair needed and potential trip hazard. Large mature trees are close to the structure which increases risk of roof/gutter damage, blocked drainage, and root impacts to the foundation; a visible stump remains near the front yard. Siding/brick appears intact with no obvious foundation displacement visible from front elevation. Carport and front porch provide covered parking and outdoor entry but the driveway and tree proximity reduce site score."
},
{
"key": "rental_history_activity",
"label": "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": [
"Aged roof with debris and staining — potential for near-term roof failure or leaks",
"Large trees directly over/adjacent to roof — increased risk of falling limbs, clogged gutters, roof damage",
"Cracked/uneven driveway (trip hazard)",
"No exterior HVAC condenser visible in photos — heating/cooling system condition unknown and may be absent or aged",
"Tenant-occupied 'sold as-is' listing limits interior verification prior to purchase/inspection"
],
"confidence": 0.55,
"assumptions": [
"Interior condition (walls, floors, plumbing fixtures, appliances) is unknown; assume tenant maintains reasonable interior cleanliness but not recent rehab.",
"Utilities are active for tenant occupation; hot water and basic plumbing are functioning unless otherwise revealed during inspection.",
"Smoke and carbon monoxide detectors are present because the unit is tenant-occupied, but their installation locations and working status must be verified on inspection.",
"HVAC exists inside but outdoor condenser is not visible in supplied photos; HVAC age and operability are unknown and may require service or replacement.",
"No evident major foundation movement or structural sagging from front elevations; assume foundation is serviceable pending a closer inspection."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears livable and tenant-occupied with well-kept yard and intact exterior features, but shows signs of aging (roof wear, cracked driveway, weathered porch). Most NSPIRE-critical items (smoke/CO detectors, GFCI, HVAC and water heater operation, interior safety issues) are not visible from photos; given the occupied status and recent rental activity it is likely to pass an initial HCV inspection with minor repairs/verification (smoke detectors, GFCI, sealing, driveway trip mitigation) but roof condition should be inspected further. Estimated readiness: minor repairs; likely rent-ready within 30 days when interior systems and detectors are verified or corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show an occupied, generally maintained 1956 ranch with intact siding, porch, carport and lawn. Observable deferred items: cracked driveway, weathered roof shingles and debris, aged porch paint/wood. No visible collapsed or missing structural elements. Interior condition not shown; listing 'as-is' and tenant-occupied raise uncertainty but not direct evidence of heavy deferred maintenance. Missing interior appliances cannot be assessed from provided photos; seller note 'as is' reduces score modestly."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious life-threatening hazards visible from exterior: entry door has security screen, porch has steps and a handrail present, foundation appears level from photos, no standing water or collapsed elements seen. Risks/unknowns: smoke/CO detectors, GFCI presence, egress windows, plumbing/hot water, and electrical panel location cannot be confirmed. Mature trees close to roof present falling/branch risk and may affect roof integrity. Cracked driveway and a stump in front yard are minor trip hazards. Because most NSPIRE safety items are unobservable from photos, moderate risk is assigned."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Major systems (HVAC, water heater, electrical panel, plumbing) are not visible in photos. The roof shows age and potential remaining life issues (shingle wear/staining) which could indicate near-term need for replacement/repairs. No external HVAC condenser is visible from front photos (may be on side/rear). Chimney is present (condition unclear). Tenant occupancy and recent rental history suggest systems are functional but unverified; moderate score reflects this uncertainty plus visible roof wear."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Yard is maintained, grass appears healthy, porch and lattice skirting present, carport functional. Driveway has significant cracking and surface deterioration. Large trees are very close to the house (risk to roof/gutters). No visible exterior pest infestations, major siding damage, or foundation cracking from the provided photos. Overall favourable curb condition with some site maintenance needs."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (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": 0.62,
"assumptions": [
"Interior was not provided; assumed reasonably maintained due to active lease and tenant occupancy noted in listing.",
"Major systems (HVAC, water heater, electrical) are operational given the property is leased, but their condition and code compliance are unverified from photos.",
"Smoke detectors, CO detectors, GFCI outlets, and electrical panel accessibility were not visible and are treated as unknowns that could require correction.",
"Roof shows visible wear but no active sagging or collapse in photos; assume no active interior leaks evident to exterior photographs.",
"No obvious signs of severe mold, foundation movement, or structural sagging were observed in provided images."
],
"overall_score": 66.0,
"rubric_version": "2026-02-16_nsPIRE_v1"
},
{
"summary": "Property appears renter-occupied and broadly serviceable from exterior photos: maintained yard, intact porch/railings and windows. Primary concerns are an aged roof, cracked driveway, close overhanging trees, and unknown condition/presence of HVAC, smoke/CO detectors, GFCI protection, and interior plumbing/electrical components. These are moderate inspection risks; with targeted repairs (roof assessment or replacement if needed, driveway patching, verification/installation of detectors and GFCI, proof of working HVAC and hot water) this property could pass an initial HCV/NSPIRE inspection within 30 days. Tenant-occupied status may make immediate interior verification difficult without coordination.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show a maintained yard, intact windows and porch railings, and a tenant-occupied interior (listing says leased). Visible deferred items: asphalt shingle roof shows staining/age and probable granule loss, driveway concrete is cracked with surface spalling, porch lattice and paint look weathered, and a tree stump in the front yard. No evidence of collapsed surfaces or severe exterior structural damage. Interior condition cannot be confirmed (no interior photos) but presence of tenants and active lease suggests livable condition. Missing interior appliances or cosmetic issues are assumed possible but not visible and scored as moderate impact."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No visible immediate life-threatening hazards in photos: porch has a handrail, entry appears to have a secure metal security door, windows appear intact for egress. However critical NSPIRE items cannot be verified from exterior photos: presence/placement/operation of smoke & CO detectors, GFCI protection in kitchen/baths, electrical panel condition, plumbing/hot water, and interior trip/mold/peeling paint risks. Trees are very close to the roof (debris risk), and driveway cracking is a trip hazard. Given tenant-occupancy and otherwise intact exterior, assign moderate risk for safety compliance pending interior verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 60.0,
"rationale": "Roof appears aged and likely near end-of-life based on visible wear and staining; replacement may be required within a short timeframe. No exterior HVAC condenser is visible in the provided photos (could be located rear or obscured) so the presence and condition of heating/cooling equipment is uncertain. No visible electrical hazards externally, but electrical panel and grounding cannot be assessed. Plumbing and water heater not visible. Because tenants occupy the property and the home appears lived-in, systems are likely functional but undocumented; this produces moderate concern and a tangible risk the inspection will require system documentation or repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Lot and yard are mowed and generally maintained. Driveway surface is cracked and uneven which is a trip hazard and likely requires repair. Large mature trees close to and overhanging the roof increase risk of roof damage and clogged gutters. Siding and foundation visible in photos appear intact with no obvious major cracks or settling. Carport and porch are intact but show cosmetic wear. No visible standing water or pest infestation in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5y)",
"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 wear and debris — may require replacement or major repairs soon",
"Large trees directly overhanging roof (risk of damage/clogged gutters and accelerated roof wear)",
"No visible external HVAC condenser in provided photos — heating/cooling system not confirmed",
"Cracked and uneven driveway creating trip hazard",
"Tenant-occupied (listing) — limits immediate interior inspection and verification of required detectors and systems"
],
"confidence": 0.6,
"assumptions": [
"Interior photos were not provided; assume interior is occupied and generally livable since listing states property is leased.",
"Smoke and carbon monoxide detectors, GFCI outlets, electrical panel condition, hot water heater and HVAC presence/functionality are not visible and therefore assumed present but unverified.",
"No visible active roof leaks or collapsed ceilings from exterior; assume any interior ceiling or plumbing leaks would have been visible in yard staining but are not evident.",
"Exterior HVAC condenser may be located at rear of the house or obscured by vegetation; absence in photos is noted but not proof of no HVAC.",
"No visible peeling paint or obvious mold from exterior photos; because house built in 1956, lead-based paint risk exists but was not observed in photos."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2944 Glenderry St, Jackson, MS, 39212",
"aggregate": {
"summary": "Moderately turnkey for Section 8/HCV but requires verification and some repairs. Exterior is generally intact and tenant-occupied, which supports rent-readiness, but the aged roof, cracked driveway, tree overhang, and unknown status of HVAC, smoke/CO detectors, and interior systems create inspection risks. Likely outcome: with basic safety verifications (working smoke/CO detectors, GFCIs, secure deadbolt) and addressing driveway trip hazards and roof debris/repair, the property should be able to pass an initial HCV/NSPIRE inspection after 14–30 days of targeted work. Expect possible capital expense for roof or HVAC replacement within a short timeframe pending in-person system checks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 69.3,
"rationale": "Exterior photos show a generally intact single-family home with a maintained lawn and intact porch/railings. Observable deferred maintenance: aged roof with debris and dark staining (likely past 15-25 years), cracked driveway with uneven areas, tree stump in front yard, and exterior paint/trim that will need touch-up. Porch lattice and steps appear serviceable but will likely need scraping/paint. No visible collapsed surfaces or severe exterior deterioration. Missing interior photos prevent assessment of flooring/cabinets; listing is 'as-is' and tenant-occupied which can conceal interior minor wear. Overall cosmetic and mid-level capital repairs are indicated rather than major structural rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 67.3,
"rationale": "Lot appears reasonably maintained with mowed lawn and usable front yard. Driveway shows significant cracking and settlement — maintenance/repair needed and potential trip hazard. Large mature trees are close to the structure which increases risk of roof/gutter damage, blocked drainage, and root impacts to the foundation; a visible stump remains near the front yard. Siding/brick appears intact with no obvious foundation displacement visible from front elevation. Carport and front porch provide covered parking and outdoor entry but the driveway and tree proximity reduce site score."
},
{
"key": "rental_history_activity",
"label": "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 Risk",
"score": 64.7,
"rationale": "No obvious life-threatening hazards visible externally: no collapsed ceilings, no standing water, no visible exposed wiring, and entry has a security door. However, several NSPIRE safety items are unverifiable from photos: smoke/CO detectors, GFCI outlets, egress condition of bedroom windows, electrical panel condition, and hot water availability. Observable risks: large trees overhang the roof (increases risk of roof/ gutter blockage and falling limbs), cracked driveway creates trip hazard, and tree stump near front yard is a potential trip hazard. Entry appears secure (screen/security door) but deadbolt presence cannot be confirmed. Given tenant-occupied status, assume basic safety devices may be present but require verification on inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 59.3,
"rationale": "No exterior HVAC condenser, water heater, electrical meter/panel, or plumbing vents are visible in supplied photos. The roof shows aging and debris which raises concern for remaining service life and potential past leaks. Chimney is present (older fireplace) which may indicate older heating sources. Given year built (1956) and visual roof condition, major systems (HVAC, roof, water heater, electrical) are likely older and should be tested; absence of visible condenser in photos increases uncertainty about heating/cooling provision. Because there are no clear signs of catastrophic failure visible, systems score is moderate but warrants in-person verification and probable near-term capital replacement for HVAC or roof."
}
],
"red_flags": [
"Aged roof with debris and staining — potential for near-term roof failure or leaks",
"Large trees directly over/adjacent to roof — increased risk of falling limbs, clogged gutters, roof damage",
"Cracked/uneven driveway (trip hazard)",
"No exterior HVAC condenser visible in photos — heating/cooling system condition unknown and may be absent or aged",
"Tenant-occupied 'sold as-is' listing limits interior verification prior to purchase/inspection"
],
"confidence": 0.95,
"assumptions": [
"Interior condition (walls, floors, plumbing fixtures, appliances) is unknown; assume tenant maintains reasonable interior cleanliness but not recent rehab.",
"Utilities are active for tenant occupation; hot water and basic plumbing are functioning unless otherwise revealed during inspection.",
"Smoke and carbon monoxide detectors are present because the unit is tenant-occupied, but their installation locations and working status must be verified on inspection.",
"HVAC exists inside but outdoor condenser is not visible in supplied photos; HVAC age and operability are unknown and may require service or replacement.",
"No evident major foundation movement or structural sagging from front elevations; assume foundation is serviceable pending a closer inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 65.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7349820146"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.