Property ID: 7355868601
3701 Azalea Dr, Jackson, MS, 39206
Jackson, MS
Money Down: $30,000
CoC Return: 11.32%
Monthly Cash Flow: $283
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,000
Closing Costs
$5,000
Total Down
$30,000
Investment Snapshot
Purchase Price
$125,000
Money Down
$30,000
Cash-on-Cash Return
11.32%
Rent
$1,194
Monthly Cash Flow
$283
Annual Cash Flow
$3,396
Debt Service / Mo
$665
Property Tax / Mo
$92
Insurance / Mo
$35
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,194
Payment Standard
$1,530
Rent
$1,194
Insurance
$35
Property Tax
$92
Management
$119
Utilities Allowance
$336
NOI (Monthly)
$948
Debt Service
$665
Cash Flow After Debt
$283
Quality Score: 65.30%
Confidence: 90.00%
Overall this 3BR/1BA single-family home appears structurally serviceable and largely rent-ready after addressing several safety/code items. Major visible concerns for a Section 8 / NSPIRE inspection are the portable heater located in the bathroom (an immediate hazard), lack of visible smoke detectors, possible missing GFCI protection in wet areas, and security bars on windows that may impede emergency egress unless they have quick-release. Cosmetic and finish work (floors, cabinetry, paint/paneling) are the primary capital repairs. If the heater is removed, smoke/CO/GFCI devices are installed, and any window bars are verified/released, the property would likely pass after routine repairs and checks.
Section 8 Payment Standard
$1,530
Utility Allowance Total
$336
Guaranteed Section 8 Rent (PS - Utilities)
$1,194
Property Management
$119
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$125,000
Beds
3
Baths
1
Living Area
1,204 sqft
Lot Size
21,780 sqft
Year Built
1950
Days on Market
165
Capital Outlay
$30,000
Debt Service
$665
Property Tax / Mo
$92
Insurance / Mo
$35
Property Description
Take a look at this great home on corner lot with 3 bedrooms, 1 bathroom. Fenced in back yard with a 2 car space carport. This home has a den, formal living room and dining room area. It's closely located to Fondren with hospitals, shopping, plenty eaters and entertainment. Reach out to a Realtor for showing. Property is sold as is.
Utility Allowances
Air Conditioning
$12
The property has 'Central Air' cooling. The allowance is the fixed value for a 3-bedroom unit.
Cooking
$8
Property details list a 'Free-Standing Gas Range' and 'Natural Gas Connected'. The allowance is based on the natural gas cooking option for a 3-bedroom unit.
Heating
$21
Property details list 'Central' heating and 'Natural Gas Connected'. The allowance is based on the natural gas heating option for a 3-bedroom unit.
Other Electric
$69
This is a standard allowance for general electricity usage (lights, outlets) in a 3-bedroom unit.
Range/Microwave
$3
The property does not explicitly state that a microwave is provided, so this allowance is for a tenant-owned appliance.
Refrigerator
$4
The property does not explicitly state that a refrigerator is provided, so this allowance is for a tenant-owned appliance.
Sewer
$60
The property is connected to a 'Public Sewer' system. The allowance is the fixed value for a 3-bedroom unit.
Trash Collection
$37
This is a standard allowance for trash collection services for a single-family home.
Water
$104
The property is connected to a 'Public' water supply. The allowance is the fixed value for a 3-bedroom unit.
Water Heating
$18
The property is connected to natural gas, which is the most common and logical fuel for water heating given other gas appliances. The allowance is based on the natural gas option for a 3-bedroom unit.
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$405
DP3 Annual Estimate$424
DP1 Monthly Equivalent$34
DP3 Monthly Equivalent$35
Replacement Value$26,900
Basis1,204 sqft / 1950
Nearby Houses
Photo unavailable
3705 Azalea Dr
sold · 0.01 mi
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3 bd / 2 ba · 1,355 sqft
Latest sale: — on Mar 31, 2022
Latest rent: —
Photo unavailable
417 Rockdale Dr
sold · 0.04 mi
Price: $35,000
2 bd / 1 ba · 741 sqft
Latest sale: — on May 22, 2023
Latest rent: —
Photo unavailable
394 Wilshire Ave
sold · 0.05 mi
Price: $27,500
2 bd / 1 ba · 969 sqft
Latest sale: — on Mar 25, 2025
Latest rent: —
Photo unavailable
440 Collier Ave
sold · 0.06 mi
Price: $19,900
3 bd / 1 ba · 864 sqft
Latest sale: — on Jun 12, 2023
Latest rent: —
Photo unavailable
411 Wilshire Ave
sold · 0.09 mi
Price: $26,250
3 bd / 1 ba · 1,082 sqft
Latest sale: — on Jun 28, 2024
Latest rent: $1,300 on Oct 16, 2025
Photo unavailable
3554 Cottage St
sold · 0.10 mi
Price: $35,000
2 bd / 2 ba · 1,000 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3558 Lucky St
for_sale · 0.12 mi
Price: $44,600
3 bd / 1 ba · 993 sqft
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Portable heater placed inside bathroom adjacent to tub (electrocution / fire hazard).
- No smoke detectors visible in multiple interior photos (likely missing or not properly located).
- Security bars on windows and front security door — potential egress issue if not quick-release.
- Likely missing GFCI protection in kitchen/bath (not visible in photos).
Assumptions
- Photos are recent representations of the entire unit and there are no major unshown areas (e.g., basement, attic) with hidden damage.
- Central HVAC is present and operative based on visible ceiling vents/returns, though no mechanical equipment (furnace/AC condensing unit) photo was provided.
- Water heater, electrical panel, and smoke/CO detectors exist but were not photographed; absence in photos is treated as unknown and scored conservatively.
- Security bars on front windows may also be present on bedroom windows (cannot be confirmed); assumed potential egress concern until verified.
- The portable heater seen in the bathroom is in regular use and represents an active safety hazard rather than a staged photo prop.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,069 | $36,900 | $5,535 |
| 2023 | $1,064 | $36,900 | $5,535 |
| 2021 | $1,065 | $36,900 | $5,535 |
| 2020 | $1,052 | $36,670 | $5,501 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-09-04 | Listed | $125,000 |
Photo Gallery
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},
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"score": 45.0,
"rationale": "Several NSPIRE safety items are uncertain or show risk. No smoke detectors are visible in the photos (not proof of absence, but absence from multiple room photos is concerning). A portable heater is placed inside the bathroom adjacent to the tub — this is an immediate safety hazard (electrocution/fire) and would likely be cited. Several front windows and the front entry have security bars/doors — if any of those bars are on required bedroom egress windows and are not quick-release, that would fail inspection. GFCI outlets are not visible in the kitchen/bath (likely missing given age). Exposed device cords (TV) and appliance cords are visible; electrical panel not shown. No obvious active roof leaks or collapsed ceilings seen. Overall there are multiple probable code risks that are fixable but could fail an initial inspection if not corrected."
},
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"Central HVAC is present and operative based on visible ceiling vents/returns, though no mechanical equipment (furnace/AC condensing unit) photo was provided.",
"Water heater, electrical panel, and smoke/CO detectors exist but were not photographed; absence in photos is treated as unknown and scored conservatively.",
"Security bars on front windows may also be present on bedroom windows (cannot be confirmed); assumed potential egress concern until verified.",
"The portable heater seen in the bathroom is in regular use and represents an active safety hazard rather than a staged photo prop."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA single-family home appears mostly sound and close to Section 8 / NSPIRE rent-ready with mainly cosmetic repairs and verification/repair of a few safety items. Exterior and structural elements visible (roof, siding, foundation, walkway) appear serviceable. Primary inspection risks that could cause an initial failure are window security bars (egress), unclear presence/placement of smoke/CO detectors, and an unverified portable/venting heater in the bathroom area. Major systems (HVAC, water heater, electrical panel) are not documented in photos and should be tested, but there is evidence of central HVAC vents and functioning plumbing/appliances. With targeted fixes (install/verify smoke & CO detectors, confirm/modify quick-release window bars or remove, confirm HVAC and water heater operation, add GFCI where required) this property is likely to pass an initial Housing Choice Voucher inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears generally intact with original hardwood floors, functioning cabinets and a working range visible in photos. Cosmetic wear is present: worn cabinet faces, dated finishes, some carpeted area, and older trim/paneling in rooms. Appliances (stove, refrigerator) are shown so missing-appliance penalty is minimal. Overall condition indicates mostly cosmetic and medium-effort repairs (paint, cabinet refinishing, flooring touch-ups) rather than major rehabilitation. Items classified as easy-to-fix: cosmetic paint, cabinet refinishing, light fixture updates, outlet covers. No visible exposed subfloor or collapsed surfaces in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No obvious life-threatening hazards photographed (no collapsed ceilings, no standing water, no visible major foundation cracks). However several inspection risks are present or unknown: window security bars are installed on many windows (photo) and could block emergency bedroom egress unless quick-release is present — this commonly causes Section 8 fails. Smoke and CO detectors are not clearly visible in bedrooms or hallways from provided photos; absence or improper placement would be a fail. Bathroom shows a portable/heater-looking unit at floor level — if this is an unvented gas heater or portable propane unit it is a safety risk; it needs verification or removal. GFCI presence in kitchen/bath not evident; electrical panel not shown. Entry doors appear to have security door but deadbolt presence is unconfirmed. Because many safety elements are unverified from photos, score reflects moderate risk (likely passable after addressing detectors, ensuring quick-release on bars or removing bars, and removing/relocating any unsafe space heater)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Roof and exterior shingles visible in photos look intact with no obvious sagging or active leaks. Ceiling finishes are generally intact though a few small discolorations near vents are visible — could be minor past leaks but not definitive. Central HVAC supply/return vents are visible in photos which suggests central heating/cooling exists, but operation and service history are unknown. Water heater and electrical service/panel are not shown. Plumbing appears functional (kitchen sink and bathtub shown). Given unknowns for system operation and absence of mechanical photos, score is conservative: systems may be functional but will require verification and likely minor service/maintenance."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior shows vinyl siding in fair-good condition, chain-link fenced yard, two-car carport and paved driveway — all positive for tenant use. Steps and concrete walkway are intact. The carport shows some age and the yard is maintained. No visible severe foundation movement, major roof failure, or standing water on site photos. Security bars on windows and a rear security door exist (helpful for safety but raise egress concerns). Overall exterior appears functional with normal wear and minor deferred maintenance."
}
],
"red_flags": [
"Window security bars on several windows — potential blockage of required emergency egress if quick-release not present.",
"No clearly visible smoke detectors or CO detectors in photos — missing/incorrect placement will cause NSPIRE/Section 8 failure.",
"Portable-looking heater present in bathroom — potential unvented gas or unsafe space heater that must be removed or made code-compliant.",
"Mechanical systems (HVAC, water heater, electrical panel) not documented — functionality unverified and could present inspection issues if inoperable."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists (supply/return vents visible) but system operation and service status are unknown — assumed operational but requires testing.",
"Window steel security bars are present on multiple windows; we assume quick-release devices are not visible and may not be installed — treat as potential egress failure unless proven otherwise.",
"Smoke and CO detectors are not clearly visible in photos; assume they are missing or insufficiently located until confirmed.",
"The small heater unit visible in the bathroom photo is assumed to be a portable/unvented unit or space heater and should be evaluated/removed; it is not assumed to be a permanently installed, code-compliant water heater.",
"No major structural issues (foundation movement, sagging roof, collapsed ceilings) are present — photos show intact rooflines and floors; however, limited photo angles mean hidden issues could exist.",
"Kitchen appliances shown (range, microwave, small fridge in some room) are assumed functional unless testing shows otherwise; missing full-size appliances would be moderate, not catastrophic.",
"Electrical panel, GFCI protection, and hot water availability are unknown and assumed to need verification but not immediate major repair."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the house appears structurally sound and mostly cosmetic; likely rentable after minor repairs and safety corrections. The greatest inspection risk is safety-related: a portable heater in the bathroom and window security bars/egress uncertainty must be addressed, and smoke/CO alarms should be installed/verified. Major systems (HVAC, roof, plumbing) appear present but need verification. Estimated time to pass an initial HCV/NSPIRE inspection: ~2–6 weeks depending on corrections (smoke/CO alarms, removal/replacement of the bathroom heater or proper venting, ensuring egress from barred windows or installing quick-release).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior finishes are dated but generally intact: hardwood floors, intact cabinetry, tile in kitchen and bath. Minor cosmetic wear (scuffed trim, older cabinetry, small wall cracks in bathroom) visible. Appliances present (range, microwave, small fridge visible) so missing-appliance risk is low. No widespread flooring collapse, major drywall damage, or visible rot in photos. Overall mostly cosmetic and light repair work expected."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 50.0,
"rationale": "Several NSPIRE risks visible or not-verifiable: no smoke detectors or CO alarms visible in photos (likely required), a portable/space heater is placed inside the bathroom (open combustion or unvented heater visible) — this is a significant safety hazard and would fail inspection. Window security bars are present on front windows; if they are not quick-release from inside they can block egress (potential fail). Exposed low-voltage/wiring visible at a wall-mounted TV and general uncertainty about GFCI protection in kitchen/bath. No signs of active roof leaks, major mold, or collapsed ceilings in images. Because of the bathroom heater and egress/barrier uncertainty, safety score is reduced."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.0,
"rationale": "Visual evidence of central HVAC supply/return vents and ceiling fans suggests a forced-air system exists, but operational condition not confirmed. Roof shingles appear intact with no visible sagging or missing large areas in the photos. Water heater and electrical panel not shown; plumbing fixtures (kitchen sink, tub/shower, toilet) appear present. The portable heater in the bathroom implies either supplemental heating or a previous heating deficiency — system functionality should be verified. Given missing direct evidence of panel, water heater, and service records, score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Property on a corner lot with fenced backyard and a 2-car carport. Siding and foundation appear serviceable in photos; driveway and walkways are intact. Front steps have 2–3 risers (no visible handrail) — likely acceptable but should be checked locally. Yard is maintained; no standing water or major site drainage issues visible. Security bars and gated front area are present (security benefit but egress concern if not quick-release)."
}
],
"red_flags": [
"Portable/unvented heater located inside bathroom (safety/fire hazard) — likely fails inspection and must be removed or replaced with code-compliant heating.",
"Window security bars on exterior windows (egress hazard) — must be quick-release from inside or removed/modifed to comply with egress requirements.",
"No visible smoke detectors or CO alarms in living areas/bedrooms in photos — required for passing NSPIRE/HCV inspection.",
"Exposed/unsecured wiring visible behind wall-mounted TV — potential electrical hazard requiring securing/covering.",
"Major systems (electrical panel, water heater) not shown — absent documentation could delay inspection if serviceability cannot be demonstrated."
],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not present or not visible in photos and will need verification/installation.",
"Central HVAC is present (supply/return vents visible) and operational, but no service records were provided; assume functional but recommend verification.",
"Water heater and electrical panel exist but were not photographed; their condition is unknown and assumed serviceable until proven otherwise.",
"Kitchen has a working range/stove and a small refrigerator is visible; larger fridge availability for tenancy assumed but should be confirmed.",
"Window security bars may not be quick-release; assume they require modification to meet egress code unless the owner verifies quick-release operation.",
"Roof appears intact in photos and no active leaks were observed; assume no major roof repair is required but recommend a close exterior inspection."
],
"overall_score": 65.0,
"rubric_version": "2026-02-16-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3701 Azalea Dr, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall this 3BR/1BA single-family home appears structurally serviceable and largely rent-ready after addressing several safety/code items. Major visible concerns for a Section 8 / NSPIRE inspection are the portable heater located in the bathroom (an immediate hazard), lack of visible smoke detectors, possible missing GFCI protection in wet areas, and security bars on windows that may impede emergency egress unless they have quick-release. Cosmetic and finish work (floors, cabinetry, paint/paneling) are the primary capital repairs. If the heater is removed, smoke/CO/GFCI devices are installed, and any window bars are verified/released, the property would likely pass after routine repairs and checks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Interior photos show an occupied but generally maintained older home: intact hardwood floors with wear, older cabinetry and finishes, functioning range/vent in kitchen, and no large visible holes or collapsed surfaces. Cosmetic deferred maintenance is present (worn finishes, dated wall paneling, older bathroom tile/vanity). Appliances appear present (range; small refrigerator visible in one room). No evidence of major interior structural damage from photos. Missing minor items (outlet covers not shown, some loose trim) are easy-to-fix capital items."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior photos show a fenced back yard, a two-space carport, level concrete walkway to the front steps, and vinyl siding in generally good condition. The lot is maintained with no heavy vegetation against the structure. Driveway and chain-link fencing appear serviceable. Overhead service lines are present (normal). Front steps lack a visible handrail — may be a minor code concern depending on riser count and local code; no collapsed porch or obvious foundation cracking is visible. Overall exterior is in good, rentable condition with normal low-cost fixes possible."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 51.7,
"rationale": "Several NSPIRE safety items are uncertain or show risk. No smoke detectors are visible in the photos (not proof of absence, but absence from multiple room photos is concerning). A portable heater is placed inside the bathroom adjacent to the tub — this is an immediate safety hazard (electrocution/fire) and would likely be cited. Several front windows and the front entry have security bars/doors — if any of those bars are on required bedroom egress windows and are not quick-release, that would fail inspection. GFCI outlets are not visible in the kitchen/bath (likely missing given age). Exposed device cords (TV) and appliance cords are visible; electrical panel not shown. No obvious active roof leaks or collapsed ceilings seen. Overall there are multiple probable code risks that are fixable but could fail an initial inspection if not corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 61.7,
"rationale": "Ceiling vents and central return/registers are visible indicating a central HVAC system likely present; ceiling registers and ceiling-mounted vent look intact. Roof appears shingled and in serviceable condition from exterior photos with no obvious sagging or missing areas. Kitchen plumbing fixtures and range are present and appear functional; bathroom fixtures look serviceable. Water heater and electrical panel are not visible in photos so their condition is unknown. Given the age (1950) some systems may be older but visible components appear functional; absence of visible active leaks or structural system failure supports a moderate score."
}
],
"red_flags": [
"Portable heater placed inside bathroom adjacent to tub (electrocution / fire hazard).",
"No smoke detectors visible in multiple interior photos (likely missing or not properly located).",
"Security bars on windows and front security door — potential egress issue if not quick-release.",
"Likely missing GFCI protection in kitchen/bath (not visible in photos)."
],
"confidence": 0.9,
"assumptions": [
"Photos are recent representations of the entire unit and there are no major unshown areas (e.g., basement, attic) with hidden damage.",
"Central HVAC is present and operative based on visible ceiling vents/returns, though no mechanical equipment (furnace/AC condensing unit) photo was provided.",
"Water heater, electrical panel, and smoke/CO detectors exist but were not photographed; absence in photos is treated as unknown and scored conservatively.",
"Security bars on front windows may also be present on bedroom windows (cannot be confirmed); assumed potential egress concern until verified.",
"The portable heater seen in the bathroom is in regular use and represents an active safety hazard rather than a staged photo prop."
],
"score_method": "mean_of_criteria",
"overall_score": 65.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7355868601"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.