Property ID: 7371014837
103 Cedar Ridge Blvd, Pearl, MS, 39208
Pearl, MS
Money Down: $24,000
CoC Return: 22.06%
Monthly Cash Flow: $441
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,000
Closing Costs
$4,000
Total Down
$24,000
Investment Snapshot
Purchase Price
$100,000
Money Down
$24,000
Cash-on-Cash Return
22.06%
Rent
$1,270
Monthly Cash Flow
$441
Annual Cash Flow
$5,295
Debt Service / Mo
$532
Property Tax / Mo
$99
Insurance / Mo
$70
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,270
Payment Standard
$1,620
Rent
$1,270
Insurance
$70
Property Tax
$99
Management
$127
Utilities Allowance
$350
NOI (Monthly)
$974
Debt Service
$532
Cash Flow After Debt
$441
Quality Score: 69.50%
Confidence: 90.00%
This double-wide manufactured home on a conventional foundation appears largely refurbished and cosmetically ready — new flooring, painted cabinetry, intact windows and clean finishes. Key items for a Section 8/NSPIRE initial inspection: verify operation of HVAC, water heater and electrical panel; install/confirm carbon monoxide and additional smoke detectors as required; add handrail at front steps; confirm GFCI protection at kitchen/bath; confirm stove/range presence or provide replacement. No visible structural failure or active leaks; primary risks are missing/uncertain safety devices and a potential exposed wire in a kitchen cabinet. With 1–3 trade/verifications (handrail, detectors, minor electrical and appliance hookup) this property is likely to pass an initial HCV inspection within 2–4 weeks.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$350
Guaranteed Section 8 Rent (PS - Utilities)
$1,270
Property Management
$127
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$100,000
Beds
3
Baths
2
Living Area
1,792 sqft
Lot Size
21,780 sqft
Year Built
2000
Days on Market
175
Capital Outlay
$24,000
Debt Service
$532
Property Tax / Mo
$99
Insurance / Mo
$70
Property Description
Large DBL Wide Manufactured Home located on Conventional foundation. This home has been refurbished to the tee. Owner finance plan ! Lease Purchase , must qualify !
Utility Allowances
Heating
$21
Selected 'Natural Gas' as the furnace fuel. The property has a 'Gas Log' fireplace, which indicates the availability of natural gas.
Cooking
$11
Selected 'Electric' for cooking. The property details explicitly list 'Built-In Electric Range' and 'Electric Range' as provided appliances.
Water Heating
$29
The water heater fuel type is not specified. Following instructions, the most expensive option, 'Electric' ($29 vs. $18 for Natural Gas), was chosen.
Air Conditioning
$12
The property is listed as having 'Central Air', which is electric. The fixed allowance is applied.
Other Electric
$69
This is a standard baseline for miscellaneous tenant-paid electric costs. The property has 'Electricity Available'.
Refrigerator
$4
A refrigerator is not listed as a provided appliance. This allowance is for a tenant-owned refrigerator.
Range/Microwave
$3
A microwave is not listed as a provided appliance. This allowance is for a tenant-owned microwave.
Water
$104
The property is listed as having a 'Public' water source. This allowance is for tenant-paid water service.
Sewer
$60
The property is listed as having 'Public Sewer'. This allowance is for tenant-paid sewer service.
Trash Collection
$37
Trash collection is a standard utility service for a single-family residence and is assumed to be tenant-paid.
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$821
DP3 Annual Estimate$859
DP1 Monthly Equivalent$68
DP3 Monthly Equivalent$72
Replacement Value$70,310
Basis1,792 sqft / 2000
Nearby Houses
Photo unavailable
203 Trace Dr
sold · 0.05 mi
Price: $44,900
4 bd / 2 ba · 1,792 sqft
Latest sale: — on Jun 21, 2024
Latest rent: —
Photo unavailable
304 Cedar Hill Dr
for_sale · 0.08 mi
Price: $170,000
3 bd / 2 ba · 1,795 sqft
Latest sale: —
Latest rent: —
Photo unavailable
305 Cedar Crest Dr
for_sale · 0.10 mi
Price: $243,290
3 bd / 2 ba · 1,318 sqft
Latest sale: —
Latest rent: —
Photo unavailable
307 Cedar Crest Dr
for_sale · 0.11 mi
Price: $252,900
4 bd / 2 ba · 1,497 sqft
Latest sale: —
Latest rent: —
Photo unavailable
100 Woodridge Dr
sold · 0.15 mi
Price: $250,000
3 bd / 2 ba · 1,686 sqft
Latest sale: — on Jul 17, 2023
Latest rent: —
Photo unavailable
313 Cedar Crest Dr
sold · 0.15 mi
Price: $249,900
4 bd / 2 ba · 1,497 sqft
Latest sale: — on Dec 01, 2025
Latest rent: —
Photo unavailable
102 Woodridge Dr
for_sale · 0.16 mi
Price: $270,000
3 bd / 2 ba · 1,561 sqft
Latest sale: —
Latest rent: —
Photo unavailable
508 Ridgecrest Dr
for_sale · 0.16 mi
Price: $149,900
3 bd / 2 ba · 1,140 sqft
Latest sale: — on May 19, 2023
Latest rent: $1,400 on Jul 27, 2024
Photo unavailable
101 Woodridge
sold · 0.16 mi
Price: $236,000
3 bd / 2 ba · 1,630 sqft
Latest sale: — on Dec 28, 2021
Latest rent: —
Photo unavailable
315 Cedar Crest Dr
sold · 0.17 mi
Price: $237,900
3 bd / 2 ba · 1,318 sqft
Latest sale: — on Oct 28, 2025
Latest rent: —
Photo unavailable
103 Woodridge Dr
sold · 0.17 mi
Price: $285,000
3 bd / 2 ba · 1,755 sqft
Latest sale: — on Aug 26, 2022
Latest rent: —
Photo unavailable
512 Ridgecrest Dr
sold · 0.18 mi
Price: $172,500
3 bd / 2 ba · 1,523 sqft
Latest sale: — on Aug 06, 2025
Latest rent: —
Photo unavailable
320 Cedar Hill Dr
off_market · 0.19 mi
Price: $100,000
4 bd / 2 ba · 2,046 sqft
Latest sale: —
Latest rent: —
Photo unavailable
513 Ridgecrest Dr
sold · 0.20 mi
Price: $142,900
3 bd / 2 ba · 1,515 sqft
Latest sale: — on Sep 18, 2025
Latest rent: —
Photo unavailable
606 Cedar Pl
for_sale · 0.23 mi
Price: $252,900
4 bd / 2 ba · 1,497 sqft
Latest sale: —
Latest rent: —
Photo unavailable
605 Cedar Pl
for_sale · 0.26 mi
Price: $250,900
4 bd / 2 ba · 1,497 sqft
Latest sale: —
Latest rent: —
Photo unavailable
308 London Way
for_sale · 0.26 mi
Price: $265,000
3 bd / 2 ba · 1,627 sqft
Latest sale: — on Jun 10, 2020
Latest rent: —
Photo unavailable
111 Live Oaks Blvd
sold · 0.26 mi
Price: $230,000
3 bd / 2 ba · 1,425 sqft
Latest sale: — on Aug 15, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- unsafe_stairs_missing_handrail - Front brick entry steps have no handrail (safety/egress hazard).
- electrical_hazard_possible_exposed_wiring - Visible hanging/exposed wire in kitchen cabinet area needing evaluation and termination/proper box.
Assumptions
- Interior photos represent the full unit condition (no unseen major damage elsewhere).
- Central HVAC is present and operational based on visible floor vents, but equipment is not photographed.
- Water heater and electrical panel exist in the home though not shown in photos.
- Windows in bedrooms meet egress size requirements (standard double windows are shown) unless otherwise found on-site.
- Dishwasher is present but may or may not be connected; stove/range is currently missing and will need to be provided or installed prior to tenancy.
- No evidence of active roof leaks or major mold was visible in provided photos; small ceiling seam is cosmetic or previously repaired.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,159 | $78,310 | $11,747 |
| 2023 | $1,024 | $69,210 | $10,382 |
| 2022 | $1,009 | $69,210 | $10,382 |
| 2021 | $1,009 | $69,210 | $10,382 |
| 2020 | $1,009 | $69,210 | $9,183 |
| 2019 | $918 | $61,220 | $9,183 |
| 2018 | $899 | $61,220 | $9,183 |
| 2017 | $899 | $61,220 | $9,183 |
| 2016 | $796 | $57,130 | $8,570 |
| 2015 | $796 | $57,130 | $8,570 |
| 2014 | $984 | $72,250 | $7,225 |
| 2013 | $984 | $72,250 | $10,838 |
| 2012 | $984 | $72,250 | $10,838 |
| 2011 | $943 | $72,250 | $10,838 |
| 2010 | $979 | $74,950 | $7,495 |
| 2009 | $979 | $74,950 | $11,243 |
| 2008 | $348 | $74,950 | $7,495 |
| 2007 | $330 | $67,110 | $6,711 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-02 | Relisted | $100,000 |
| 2025-09-06 | Listing removed | $0 |
| 2025-08-25 | Listed | $80,000 |
Photo Gallery
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"Source Listing Status: Active",
"County: Rankin",
"Tax Year: 2023",
"Source Property Type: Residential",
"Source Neighborhood: Cedar Ridge",
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"Year Built: 2000",
"Building Area Total: 1792",
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"Property Condition: Move In Ready",
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"Total Area Sqft: 1792",
"Year Built Details: Move In Ready",
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"building": 51110
},
"assessment": {
"land": 1600,
"total": 6711,
"building": 5111
}
}
],
"property_history": [
{
"date": "2025-10-02",
"price": 100000,
"listing": {
"status": "for_sale",
"list_date": "2025-08-25T15:04:47Z",
"list_price": 100000,
"listing_id": "2977629843",
"last_update_date": "2026-01-28T22:31:54Z",
"last_status_change_date": "2026-01-02T15:12:34Z"
},
"event_name": "Relisted",
"price_sqft": 55.80357142857143,
"source_name": "MLSUnited",
"price_change": 100000,
"days_after_listed": null,
"source_listing_id": "4101982",
"price_change_percentage": null
},
{
"date": "2025-09-06",
"price": 0,
"listing": {
"status": "for_sale",
"list_date": "2025-08-25T15:04:47Z",
"list_price": 100000,
"listing_id": "2977629843",
"last_update_date": "2026-01-28T22:31:54Z",
"last_status_change_date": "2026-01-02T15:12:34Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "12 days",
"source_listing_id": "4101982",
"price_change_percentage": null
},
{
"date": "2025-08-25",
"price": 80000,
"listing": {
"status": "for_sale",
"list_date": "2025-08-25T15:04:47Z",
"list_price": 100000,
"listing_id": "2977629843",
"last_update_date": "2026-01-28T22:31:54Z",
"last_status_change_date": "2026-01-02T15:12:34Z"
},
"event_name": "Listed",
"price_sqft": 44.642857142857146,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4101982",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7371014837",
"generated_at": "2026-02-16T23:03:46.559245Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 69.5
},
"utility_allowance": {
"zip_code": "39208",
"home_photo": "https://ap.rdcpix.com/4370ae060b9a4f026a369b16c3da5903l-m2574009874s-w1280.jpg",
"rent_price": 1270.0,
"loan_amount": 80000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/103-Cedar-Ridge-Blvd_Pearl_MS_39208_M73710-14837",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 100000.0,
"loan_term_years": 30,
"annual_cash_flow": 11682.23,
"mortgage_monthly": 532.24,
"payment_standard": 1620.0,
"total_amount_out": 20000.0,
"additional_photos": [
"https://ap.rdcpix.com/4370ae060b9a4f026a369b16c3da5903l-m1009649824s-w1280.jpg",
"https://ap.rdcpix.com/4370ae060b9a4f026a369b16c3da5903l-m262581887s-w1280.jpg",
"https://ap.rdcpix.com/4370ae060b9a4f026a369b16c3da5903l-m2695488130s-w1280.jpg",
"https://ap.rdcpix.com/4370ae060b9a4f026a369b16c3da5903l-m1885212325s-w1280.jpg",
"https://ap.rdcpix.com/4370ae060b9a4f026a369b16c3da5903l-m24880037s-w1280.jpg",
"https://ap.rdcpix.com/4370ae060b9a4f026a369b16c3da5903l-m875377596s-w1280.jpg",
"https://ap.rdcpix.com/4370ae060b9a4f026a369b16c3da5903l-m2806884164s-w1280.jpg",
"https://ap.rdcpix.com/4370ae060b9a4f026a369b16c3da5903l-m2511967706s-w1280.jpg",
"https://ap.rdcpix.com/4370ae060b9a4f026a369b16c3da5903l-m2308509926s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 70.0,
"monthly_cash_flow": 973.52,
"property_tax_rate": 0.006500000000000001,
"_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": "Selected 'Natural Gas' as the furnace fuel. The property has a 'Gas Log' fireplace, which indicates the availability of natural gas.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Selected 'Electric' for cooking. The property details explicitly list 'Built-In Electric Range' and 'Electric Range' as provided appliances.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "The water heater fuel type is not specified. Following instructions, the most expensive option, 'Electric' ($29 vs. $18 for Natural Gas), was chosen.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "The property is listed as having 'Central Air', which is electric. The fixed allowance is applied.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "This is a standard baseline for miscellaneous tenant-paid electric costs. The property has 'Electricity Available'.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "A refrigerator is not listed as a provided appliance. This allowance is for a tenant-owned refrigerator.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "A microwave is not listed as a provided appliance. This allowance is for a tenant-owned microwave.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property is listed as having a 'Public' water source. This allowance is for tenant-paid water service.",
"utility": "Water",
"allowance": 104
},
{
"note": "The property is listed as having 'Public Sewer'. This allowance is for tenant-paid sewer service.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Trash collection is a standard utility service for a single-family residence and is assumed to be tenant-paid.",
"utility": "Trash Collection",
"allowance": 37
}
],
"cash_on_cash_return": 0.58,
"down_payment_amount": 20000.0,
"property_tax_annual": 1193.77,
"property_tax_monthly": 99.48,
"property_tax_increase": 0.03,
"utility_allowance_total": 350.0,
"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": 5295.33,
"property_management_monthly": 127.0,
"monthly_cash_flow_after_debt": 441.28,
"cash_on_cash_return_after_debt": 0.26
},
"section8_assessment": {
"runs": [
{
"summary": "This double-wide manufactured home on a conventional foundation appears largely refurbished and cosmetically ready — new flooring, painted cabinetry, intact windows and clean finishes. Key items for a Section 8/NSPIRE initial inspection: verify operation of HVAC, water heater and electrical panel; install/confirm carbon monoxide and additional smoke detectors as required; add handrail at front steps; confirm GFCI protection at kitchen/bath; confirm stove/range presence or provide replacement. No visible structural failure or active leaks; primary risks are missing/uncertain safety devices and a potential exposed wire in a kitchen cabinet. With 1–3 trade/verifications (handrail, detectors, minor electrical and appliance hookup) this property is likely to pass an initial HCV inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos show a recently renovated interior: new-looking LVP floors, painted walls and cabinets, intact windows and trim. Cosmetic defects visible: scuffed/dirty entry door, discolored bathtub, one cabinet face missing or pulled away at dishwasher area and small ceiling panel seam/patch in living room. Stove/range appears to be missing (hood present) which is a moderate deduction but not an automatic fail. Overall mostly cosmetic and finish-level repairs; most are easy/fast to remedy."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "A smoke detector is visible in photos (positive). Floor registers indicate forced-air heating/AC likely present. Observed concerns: no visible entry handrail on brick front steps (potential unsafe stairs), possible exposed wiring/hanging wire in kitchen cabinet area, ceiling panel seam could indicate previous water intrusion though no active leak is visible. Carbon monoxide detector and GFCI protection at kitchen sink are not visible in photos (unknown). Entry door hardware shows knob; a keyed deadbolt is not clearly visible. These items create moderate NSPIRE risk; some can be corrected quickly (handrail, detector, GFCI), but electrical/hidden issues need verification."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Major systems partially evidenced: floor vents present (suggesting central HVAC), kitchen plumbing fixtures and dishwasher present, intact interior finish around plumbing. Electrical panel, water heater and HVAC equipment are not shown. Roof appears flush from front photo with no visible sagging or active water staining on ceilings, but roof condition and appliance operation are unverified. Given visible vents and no obvious system damage, rate as probable functional but requires standard verification/operational testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior vinyl siding and brick skirting appear intact; house sits on a conventional foundation per listing. Yard is overgrown and needs basic landscaping. Front concrete path is cracked/uneven in spots; front steps lack a handrail. No obvious foundation settlement, major siding damage, standing water, or pest infestation visible in provided photos."
}
],
"red_flags": [
"unsafe_stairs_missing_handrail - Front brick entry steps have no handrail (safety/egress hazard).",
"electrical_hazard_possible_exposed_wiring - Visible hanging/exposed wire in kitchen cabinet area needing evaluation and termination/proper box."
],
"confidence": 0.7,
"assumptions": [
"Interior photos represent the full unit condition (no unseen major damage elsewhere).",
"Central HVAC is present and operational based on visible floor vents, but equipment is not photographed.",
"Water heater and electrical panel exist in the home though not shown in photos.",
"Windows in bedrooms meet egress size requirements (standard double windows are shown) unless otherwise found on-site.",
"Dishwasher is present but may or may not be connected; stove/range is currently missing and will need to be provided or installed prior to tenancy.",
"No evidence of active roof leaks or major mold was visible in provided photos; small ceiling seam is cosmetic or previously repaired."
],
"overall_score": 72.0,
"rubric_version": "nspt-2026-1"
},
{
"summary": "Overall the manufactured double-wide appears cosmetically refurbished and largely rent-ready but not fully turnkey for an initial HCV/NSPIRE inspection. Strengths: refreshed flooring and paint, working plumbing fixtures, dishwasher present, intact exterior siding and skirting, visible smoke detector. Inspection-risk items: exposed wiring near kitchen cabinet, missing/uncertain stove/oven, ceiling panel displacement in the living area, missing front-step handrail, and lack of photographed HVAC unit/water heater/electrical panel verification. With targeted fixes (secure/terminate exposed wiring, install stove if required by owner, install handrail, repair/secure ceiling panel, verify/repair HVAC and hot water, confirm/install CO/GFCI devices as needed) this property should pass NSPIRE and be rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently painted and has new vinyl plank flooring across main living spaces. Kitchen cabinets mostly present and a dishwasher is installed. Visible cosmetic issues: scuffed/discolored entry door, some cabinet toe/kick damage, outdated beige bathtub with scuffs, and at least one ceiling panel seam/panel displaced in the living area. There is no visible stove/oven in the photos (moderate negative). Overall finish is sound and cosmetically improved; missing stove and a few trim/finish repairs bring the score down to the mid-70s range, adjusted to 70 to reflect the missing appliance and interior finish repairs needed."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "A smoke detector is visible in photos (positive). Windows look like standard egress windows in bedrooms (likely compliant but not measured). Outlet cover plates are present in most photos. However there is an apparent loose/exposed wire hanging at the end of a cabinet near the refrigerator space (electrical hazard). The front entry steps have no handrail. Carbon monoxide detectors are not seen in photos. GFCI locations (kitchen/bath) are not visible and should be confirmed. No active water intrusion, heavy mold, or collapsed ceilings are visible, but the ceiling panel displacement is an inspection concern that should be investigated. These mixed findings make a pass possible after minor safety corrections, but the exposed wiring and other unknowns reduce the score."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "Floor vents are visible indicating a central forced-air system likely present. No external HVAC condensing unit or water heater is shown in photos; their operation must be verified. Electrical panel is not shown. Kitchen plumbing fixtures and dishwasher are present; laundry/wash hookups appear present (photo shows wall connections near the back door). Roof shingles appear intact from the front elevation photo with no obvious active leaks. Given visible vents and functioning plumbing fixtures but lack of confirmation of HVAC operation, water heater, and electrical panel, the systems score is cautious at 65."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior shows vinyl siding and brick skirting on a conventional foundation (as advertised). The siding and skirting appear intact with crawl vents visible. Roof from the front view appears intact with no obvious large areas of missing shingles. Yard is open and level; however the concrete walkway/driveway shows broken segments and the front entry steps lack a handrail. No standing water, major erosion, or evidence of infestation is visible in photos. Overall the exterior is in good, rentable shape with a few minor accessibility/safety fixes needed."
}
],
"red_flags": [
"Exposed electrical wiring visible at kitchen cabinet base (electrical hazard)",
"Front entry steps do not have a handrail (fall hazard / code deficiency)",
"Displaced / sagging ceiling panel in living area (potential ceiling integrity issue)"
],
"confidence": 0.65,
"assumptions": [
"Central forced-air HVAC exists and floor vents are connected to a working system; external condenser and water heater are present off-frame but their operation is unconfirmed.",
"Bedrooms have adequate egress (windows large enough) although dimensions are not confirmed from photos.",
"Electrical panel is present and intact inside the home but not shown in photos.",
"Dishwasher is functioning; refrigerator and stove/oven are not present in listing photos (stove likely missing and would need to be provided before tenant move-in or prior to inspection depending on local program rules).",
"Listing statement 'refurbished to the tee' is accurate and no hidden active roof leaks or major structural defects exist beyond the visible ceiling panel displacement.",
"No evidence of pest infestation or lead-risk paint beyond normal wear; walls and trim painted recently.",
"Smoke detector(s) are installed and operational as at least one unit is visible; carbon monoxide alarm presence is unknown and should be installed if fuel appliances exist."
],
"overall_score": 69.0,
"rubric_version": "NSPIRE-2026-v1"
},
{
"summary": "This manufactured single-family home appears largely renovated and could be Section 8 / HCV-ready with a focused punch-list. The interior finishes and flooring look good, and exterior envelope appears intact. Key items to address before an inspector visit: provide/verify kitchen range and refrigerator (or document that tenant-supplied appliances are acceptable), verify and install required smoke and CO detectors and ensure GFCI protection in kitchen/baths, repair/secure the sagging ceiling panel and replace the loose ceiling light fixture, and confirm HVAC and hot water operation and electrical panel condition. With those items handled (most are minor or capital fixes), the property is likely to pass an initial NSPIRE/HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently refreshed: new vinyl plank flooring, painted walls and cabinets, working lighting in many rooms. Cosmetic defects seen: stained/dirty entry door, damaged access panel at bathtub, missing ceiling light/fixture in one room (fixture shown on floor), one ceiling panel seam/sag, and the kitchen is missing the range and refrigerator. These are mostly cosmetic or easily fixed items; missing appliances reduce readiness but are not inspection-fatal by themselves."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Visible outlet covers, finished floors, and installed windows support basic safety. A round detector device is visible (likely smoke) but quantity/placement of smoke detectors and presence of a CO alarm are not confirmed. Kitchen GFCI protection is not visible and should be verified/installed. The main concern is a sagging ceiling panel in the living area (possible prior moisture or movement) and a missing/replaced ceiling light fixture; no obvious exposed wiring is visible in photos. Entry door appears to have a deadbolt. Bedroom egress windows appear present but exact sizes are not measured. Overall moderate compliance risk until GFCI, detectors, and ceiling condition are verified."
},
{
"key": "systems_mechanical",
"label": "Mechanical & Major Systems",
"score": 65.0,
"rationale": "Supply vents are visible in rooms indicating central HVAC ducting; no outdoor condenser or furnace/water heater photos were provided so operation/age are unverified. Roof appears intact from the single exterior shot with no obvious open areas, but full roof condition not confirmed. Plumbing fixtures (sinks, tub) are present though tub shows cosmetic damage and a removed access panel. Electrical panel not shown. Because major systems are implied but not documented, score reflects likely serviceable condition but requires on-site verification of HVAC function, hot water, and electrical panel condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior siding and brick skirting appear intact; manufactured home is on a conventional foundation (per listing). Yard is somewhat overgrown but without standing water visible. Front brick steps are intact but there is no handrail shown (verify riser count and local requirement). Crawl/vent openings appear present and closed; no obvious foundation cracking or active roof failure visible in provided photo set. Overall exterior is in acceptable, mostly cosmetic condition."
}
],
"red_flags": [
"structural_sagging_interior_ceiling_panel (observed slight sag/seam in living room ceiling) "
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (supply vents visible) though no outdoor unit or furnace photo was provided.",
"Hot water heater and plumbing supply are present and functioning unless otherwise indicated; no active leaks were visible in photos.",
"The round ceiling/wall device visible is a smoke detector but the count/locations of detectors throughout the unit are unknown.",
"Kitchen shows a vent hood and cabinet space but a range/stove and refrigerator are not present in photos; these are assumed missing rather than removed for staging.",
"Exterior foundation and skirting are assumed structurally continuous despite only one exterior view.",
"No active pest infestation or severe mold was visible in photos; minor surface staining/dirt is cosmetic."
],
"overall_score": 67.0,
"rubric_version": "2026-01-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "103 Cedar Ridge Blvd, Pearl, MS, 39208",
"aggregate": {
"summary": "This double-wide manufactured home on a conventional foundation appears largely refurbished and cosmetically ready — new flooring, painted cabinetry, intact windows and clean finishes. Key items for a Section 8/NSPIRE initial inspection: verify operation of HVAC, water heater and electrical panel; install/confirm carbon monoxide and additional smoke detectors as required; add handrail at front steps; confirm GFCI protection at kitchen/bath; confirm stove/range presence or provide replacement. No visible structural failure or active leaks; primary risks are missing/uncertain safety devices and a potential exposed wire in a kitchen cabinet. With 1–3 trade/verifications (handrail, detectors, minor electrical and appliance hookup) this property is likely to pass an initial HCV inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.7,
"rationale": "Photos show a recently renovated interior: new-looking LVP floors, painted walls and cabinets, intact windows and trim. Cosmetic defects visible: scuffed/dirty entry door, discolored bathtub, one cabinet face missing or pulled away at dishwasher area and small ceiling panel seam/patch in living room. Stove/range appears to be missing (hood present) which is a moderate deduction but not an automatic fail. Overall mostly cosmetic and finish-level repairs; most are easy/fast to remedy."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 76.7,
"rationale": "Exterior vinyl siding and brick skirting appear intact; house sits on a conventional foundation per listing. Yard is overgrown and needs basic landscaping. Front concrete path is cracked/uneven in spots; front steps lack a handrail. No obvious foundation settlement, major siding damage, standing water, or pest infestation visible in provided photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 63.3,
"rationale": "A smoke detector is visible in photos (positive). Floor registers indicate forced-air heating/AC likely present. Observed concerns: no visible entry handrail on brick front steps (potential unsafe stairs), possible exposed wiring/hanging wire in kitchen cabinet area, ceiling panel seam could indicate previous water intrusion though no active leak is visible. Carbon monoxide detector and GFCI protection at kitchen sink are not visible in photos (unknown). Entry door hardware shows knob; a keyed deadbolt is not clearly visible. These items create moderate NSPIRE risk; some can be corrected quickly (handrail, detector, GFCI), but electrical/hidden issues need verification."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 66.7,
"rationale": "Major systems partially evidenced: floor vents present (suggesting central HVAC), kitchen plumbing fixtures and dishwasher present, intact interior finish around plumbing. Electrical panel, water heater and HVAC equipment are not shown. Roof appears flush from front photo with no visible sagging or active water staining on ceilings, but roof condition and appliance operation are unverified. Given visible vents and no obvious system damage, rate as probable functional but requires standard verification/operational testing."
}
],
"red_flags": [
"unsafe_stairs_missing_handrail - Front brick entry steps have no handrail (safety/egress hazard).",
"electrical_hazard_possible_exposed_wiring - Visible hanging/exposed wire in kitchen cabinet area needing evaluation and termination/proper box."
],
"confidence": 0.9,
"assumptions": [
"Interior photos represent the full unit condition (no unseen major damage elsewhere).",
"Central HVAC is present and operational based on visible floor vents, but equipment is not photographed.",
"Water heater and electrical panel exist in the home though not shown in photos.",
"Windows in bedrooms meet egress size requirements (standard double windows are shown) unless otherwise found on-site.",
"Dishwasher is present but may or may not be connected; stove/range is currently missing and will need to be provided or installed prior to tenancy.",
"No evidence of active roof leaks or major mold was visible in provided photos; small ceiling seam is cosmetic or previously repaired."
],
"score_method": "mean_of_criteria",
"overall_score": 69.5,
"rubric_version": "nspt-2026-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7371014837"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.