Property ID: 7403419944
751 Woodbury Rd, Jackson, MS, 39206
Jackson, MS
Money Down: $30,000
CoC Return: 11.09%
Monthly Cash Flow: $277
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
11.09%
Rent
$1,245
Monthly Cash Flow
$277
Annual Cash Flow
$3,328
Debt Service / Mo
$665
Property Tax / Mo
$139
Insurance / Mo
$39
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,245
Payment Standard
$1,690
Rent
$1,245
Insurance
$39
Property Tax
$139
Management
$124
Utilities Allowance
$445
NOI (Monthly)
$943
Debt Service
$665
Cash Flow After Debt
$277
Quality Score: 79.10%
Confidence: 76.00%
Overall the property appears largely turnkey for Section 8/HCV tenancy. Recent remodel (2023) and a new roof (2025) significantly reduce near-term capital needs. Interior photos show a functional kitchen and bathrooms and generally clean, updated finishes. Primary remaining inspection risks are verification of smoke/CO detectors and GFCI protection, and potential bedroom egress sizing for the rooms with small high windows. Mechanical components (HVAC, water heater, electrical panel) are not photographed and should be verified, but presence of vents and HUD tenancy suggests they are operational. Likely passable with minor fixes or documentation; estimated rent-ready within 1–3 weeks if detectors/GFCI or egress are confirmed or addressed quickly.
Section 8 Payment Standard
$1,690
Utility Allowance Total
$445
Guaranteed Section 8 Rent (PS - Utilities)
$1,245
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$125,000
Beds
4
Baths
2
Living Area
1,440 sqft
Lot Size
12,197 sqft
Year Built
1950
Days on Market
6
Capital Outlay
$30,000
Debt Service
$665
Property Tax / Mo
$139
Insurance / Mo
$39
Property Description
Tenant-occupied investment property. 4BR/2BA home leased through HUD with total contract rent of $1,284 per month. Tenant wishes to remain. Property underwent a major remodel in 2023 including new kitchen, flooring, lighting, primary bath renovation, and new windows throughout (per photos taken December 2023 prior to occupancy). New architectural roof installed in 2025, reducing near-term capital expenses. No interior access. No showings until property is under contract. No sign. Property being sold as-is. Will not qualify for FHA financing.
Utility Allowances
Air Conditioning
$16
The property is listed as having 'Central Air' conditioning.
Cooking
$14
The property includes an 'Electric Range', so the electric cooking schedule is used.
Heating
$64
The property has central heating and lists 'Electricity Available' with no mention of gas. The standard 'Electric' option was chosen as the most likely and conservative choice.
Other Electric
$88
This is a standard allowance for general electricity usage (lights, outlets, etc.) for a 4-bedroom home.
Range/Microwave
$3
A microwave is not listed as a provided appliance, so this allowance covers a tenant-owned microwave.
Sewer
$70
The property details specify it is connected to a 'Public Sewer'.
Trash Collection
$37
This is a standard allowance for trash collection service at a single-family home.
Water
$116
The property details specify the water source is 'Public'.
Water Heating
$37
Electric water heating is assumed as electricity is the indicated power source and gas is not mentioned.
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$447
DP3 Annual Estimate$490
DP1 Monthly Equivalent$37
DP3 Monthly Equivalent$41
Replacement Value$30,870
Basis1,440 sqft / 1950
Nearby Houses
Photo unavailable
757 Woodbury Rd
off_market · 0.01 mi
Price: $1,100
3 bd / 1 ba
Latest sale: —
Latest rent: $1,100 on Feb 04, 2026
Photo unavailable
734 Broadmoor Dr
sold · 0.04 mi
Price: $36,900
2 bd / 1 ba · 816 sqft
Latest sale: — on Mar 28, 2024
Latest rent: $900 on Jul 09, 2025
Photo unavailable
750 Woodbury Rd
sold · 0.04 mi
Price: $59,500
3 bd / 2 ba · 863 sqft
Latest sale: — on Nov 27, 2023
Latest rent: $1,150 on Jul 07, 2025
Photo unavailable
746 Woodbury Rd
sold · 0.05 mi
Price: $15,500
2 bd / 1 ba · 988 sqft
Latest sale: — on Jan 05, 2024
Latest rent: —
Photo unavailable
764 Broadmoor Dr
sold · 0.05 mi
Price: $79,000
4 bd / 1 ba · 1,239 sqft
Latest sale: — on Dec 23, 2024
Latest rent: $1,250 on Aug 19, 2025
Photo unavailable
736 Woodbury Rd
sold · 0.05 mi
Price: $110,000
3 bd / 1 ba · 1,045 sqft
Latest sale: — on Sep 11, 2024
Latest rent: $1,250 on May 15, 2025
Photo unavailable
730 Woodbury Rd
sold · 0.06 mi
Price: $49,900
2 bd / 1 ba · 851 sqft
Latest sale: — on Dec 04, 2023
Latest rent: $850 on Dec 08, 2023
Photo unavailable
772 Broadmoor Dr
sold · 0.06 mi
Price: $24,900
3 bd / 1 ba · 1,055 sqft
Latest sale: — on Jan 21, 2025
Latest rent: —
Photo unavailable
715 Woodbury Rd
sold · 0.07 mi
Price: $110,000
3 bd / 2 ba · 1,248 sqft
Latest sale: — on Jun 16, 2024
Latest rent: —
Photo unavailable
769 Launcelot Rd
sold · 0.07 mi
Price: $37,900
2 bd / 1 ba · 1,064 sqft
Latest sale: — on Jan 12, 2024
Latest rent: $1,243 on Feb 16, 2024
Photo unavailable
775 Launcelot Rd
sold · 0.08 mi
Price: $29,900
3 bd / 1 ba · 1,246 sqft
Latest sale: — on Apr 29, 2024
Latest rent: $1,350 on Jul 23, 2024
Photo unavailable
751 Launcelot Rd
sold · 0.08 mi
Price: $14,500
3 bd / 1 ba · 1,095 sqft
Latest sale: — on Jan 04, 2024
Latest rent: —
Photo unavailable
739 Launcelot Rd
sold · 0.09 mi
Price: $120,000
4 bd / 2 ba · 1,946 sqft
Latest sale: — on Oct 29, 2021
Latest rent: —
Photo unavailable
713 Broadmoor Dr
sold · 0.10 mi
Price: $50,000
3 bd / 1 ba · 1,134 sqft
Latest sale: — on Aug 15, 2023
Latest rent: $1,050 on Aug 01, 2024
Risk and Criteria Detail
Red Flags
- success
Assumptions
- The property photos (dated Dec 2023) represent the current interior condition and the new roof (installed 2025 per listing) remains intact.
- Central HVAC is present and operational (ceiling vents visible) though the unit age/condition is unknown.
- Smoke detectors and carbon monoxide alarms may be installed but are not visible in photos; their presence/function will need verification.
- GFCI protection for kitchen/bath outlets is not visible in photos and is assumed absent until verified.
- Electrical panel, water heater, and main plumbing shutoffs are present and serviceable though not photographed.
- Bedrooms with small horizontal windows may not meet NSPIRE/egress size requirements unless there are alternate egress windows not shown.
- Tenant-occupied status and HUD lease imply the property has previously passed a HUD inspection or program eligibility check in 2024.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,617 | $55,770 | $8,366 |
| 2023 | $1,609 | $55,770 | $8,366 |
| 2021 | $1,609 | $55,770 | $8,366 |
| 2020 | $1,630 | $56,830 | $8,525 |
| 2019 | $1,632 | $56,830 | $8,525 |
| 2018 | $1,614 | $56,830 | $8,525 |
| 2017 | $1,614 | $56,830 | $8,525 |
| 2016 | $1,572 | $56,830 | $8,525 |
| 2015 | $1,505 | $56,050 | $8,408 |
| 2014 | $1,503 | $56,050 | $8,408 |
| 2013 | $1,461 | $56,050 | $8,408 |
| 2012 | $1,461 | $56,050 | $8,408 |
| 2011 | $1,367 | $53,220 | $7,983 |
| 2010 | $1,359 | $53,220 | $7,983 |
| 2009 | $1,359 | $53,220 | $7,983 |
| 2008 | $1,359 | $40,050 | $6,008 |
| 2007 | $1,034 | $40,050 | $6,008 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2015-10-21 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-01-26 | Listed for rent | $1,400 | — |
| 2017-09-30 | Listed for rent | $975 | — |
Photo Gallery
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"parent_category": "Interior"
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"parent_category": "Exterior"
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{
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"High School: Murrah",
"High School District: Jackson Public",
"Middle School: Bailey APAC",
"School District: Jackson Public"
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"category": "School Information",
"parent_category": "Community"
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"Source Listing Status: Active",
"County: Hinds",
"Directions: From I-55N, turn west on Northside Dr., turn north on Manhattan Rd., turn left on Woodbury Rd., 6th house on the left.",
"Tax Year: 2024",
"Source Property Type: Residential",
"Source Neighborhood: Broadmoor",
"Parcel Number: 0431-0222-000",
"Subdivision: Broadmoor",
"Property Subtype: Single Family Residence"
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"Year Built: 1950",
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"tax": 1614,
"year": 2017,
"market": {
"land": 24900,
"total": 56830,
"building": 31930
},
"assessment": {
"land": 3735,
"total": 8525,
"building": 4790
}
},
{
"tax": 1572,
"year": 2016,
"market": {
"land": 24900,
"total": 56830,
"building": 31930
},
"assessment": {
"land": 3735,
"total": 8525,
"building": 4790
}
},
{
"tax": 1505,
"year": 2015,
"market": {
"land": 24900,
"total": 56050,
"building": 31150
},
"assessment": {
"land": 3735,
"total": 8408,
"building": 4673
}
},
{
"tax": 1503,
"year": 2014,
"market": {
"land": 24900,
"total": 56050,
"building": 31150
},
"assessment": {
"land": 3735,
"total": 8408,
"building": 4673
}
},
{
"tax": 1461,
"year": 2013,
"market": {
"land": 24900,
"total": 56050,
"building": 31150
},
"assessment": {
"land": 3735,
"total": 8408,
"building": 4673
}
},
{
"tax": 1461,
"year": 2012,
"market": {
"land": 24900,
"total": 56050,
"building": 31150
},
"assessment": {
"land": 3735,
"total": 8408,
"building": 4673
}
},
{
"tax": 1367,
"year": 2011,
"market": {
"land": 24900,
"total": 53220,
"building": 28320
},
"assessment": {
"land": 3735,
"total": 7983,
"building": 4248
}
},
{
"tax": 1359,
"year": 2010,
"market": {
"land": 24900,
"total": 53220,
"building": 28320
},
"assessment": {
"land": 3735,
"total": 7983,
"building": 4248
}
},
{
"tax": 1359,
"year": 2009,
"market": {
"land": 24900,
"total": 53220,
"building": 28320
},
"assessment": {
"land": 3735,
"total": 7983,
"building": 4248
}
},
{
"tax": 1359,
"year": 2008,
"market": {
"land": 15000,
"total": 40050,
"building": 25050
},
"assessment": {
"land": 2250,
"total": 6008,
"building": 3758
}
},
{
"tax": 1034,
"year": 2007,
"market": {
"land": 15000,
"total": 40050,
"building": 25050
},
"assessment": {
"land": 2250,
"total": 6008,
"building": 3758
}
}
],
"property_history": [
{
"date": "2026-02-10",
"price": 125000,
"listing": {
"status": "for_sale",
"list_date": "2026-02-10T12:51:29Z",
"list_price": 125000,
"listing_id": "2991421977",
"last_update_date": "2026-02-10T21:31:58Z",
"last_status_change_date": "2026-02-10T12:51:29Z"
},
"event_name": "Listed",
"price_sqft": 86.80555555555556,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4138692",
"price_change_percentage": null
},
{
"date": "2015-10-17",
"price": 30000,
"listing": {
"status": "off_market",
"list_date": "2015-06-11T07:00:00Z",
"list_price": 30000,
"listing_id": "597748607",
"last_update_date": "2015-09-26T03:26:00Z",
"last_status_change_date": "2015-09-25T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "22 days",
"source_listing_id": "276306",
"price_change_percentage": null
},
{
"date": "2015-09-25",
"price": 30000,
"listing": {
"status": "off_market",
"list_date": "2015-06-11T07:00:00Z",
"list_price": 30000,
"listing_id": "597748607",
"last_update_date": "2015-09-26T03:26:00Z",
"last_status_change_date": "2015-09-25T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "276306",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7403419944",
"generated_at": "2026-02-16T22:56:23.044769Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 79.1
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/6642dfefdf348d59a601ec8d55e244del-m4139235063s-w1280.jpg",
"rent_price": 1245.0,
"loan_amount": 100000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/751-Woodbury-Rd_Jackson_MS_39206_M74034-19944",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 125000.0,
"loan_term_years": 30,
"annual_cash_flow": 11311.99,
"mortgage_monthly": 665.3,
"payment_standard": 1690.0,
"total_amount_out": 25000.0,
"additional_photos": [
"https://ap.rdcpix.com/6642dfefdf348d59a601ec8d55e244del-m4139235063s-w1280.jpg",
"https://ap.rdcpix.com/6642dfefdf348d59a601ec8d55e244del-m1433384860s-w1280.jpg",
"https://ap.rdcpix.com/6642dfefdf348d59a601ec8d55e244del-m1299299048s-w1280.jpg",
"https://ap.rdcpix.com/6642dfefdf348d59a601ec8d55e244del-m2675685779s-w1280.jpg",
"https://ap.rdcpix.com/6642dfefdf348d59a601ec8d55e244del-m3873522433s-w1280.jpg",
"https://ap.rdcpix.com/6642dfefdf348d59a601ec8d55e244del-m1520722945s-w1280.jpg",
"https://ap.rdcpix.com/6642dfefdf348d59a601ec8d55e244del-m148091352s-w1280.jpg",
"https://ap.rdcpix.com/6642dfefdf348d59a601ec8d55e244del-m276772064s-w1280.jpg",
"https://ap.rdcpix.com/6642dfefdf348d59a601ec8d55e244del-m3547299916s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 39.04,
"monthly_cash_flow": 942.67,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "The property is listed as having 'Central Air' conditioning.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "The property includes an 'Electric Range', so the electric cooking schedule is used.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "The property has central heating and lists 'Electricity Available' with no mention of gas. The standard 'Electric' option was chosen as the most likely and conservative choice.",
"utility": "Heating",
"allowance": 64
},
{
"note": "This is a standard allowance for general electricity usage (lights, outlets, etc.) for a 4-bedroom home.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "A microwave is not listed as a provided appliance, so this allowance covers a tenant-owned microwave.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property details specify it is connected to a 'Public Sewer'.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "This is a standard allowance for trash collection service at a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property details specify the water source is 'Public'.",
"utility": "Water",
"allowance": 116
},
{
"note": "Electric water heating is assumed as electricity is the indicated power source and gas is not mentioned.",
"utility": "Water Heating",
"allowance": 37
}
],
"cash_on_cash_return": 0.45,
"down_payment_amount": 25000.0,
"property_tax_annual": 1665.51,
"property_tax_monthly": 138.79,
"property_tax_increase": 0.03,
"utility_allowance_total": 445.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/pdr.html",
"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": 3328.36,
"property_management_monthly": 124.5,
"monthly_cash_flow_after_debt": 277.36,
"cash_on_cash_return_after_debt": 0.13
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears largely turnkey for Section 8/HCV tenancy. Recent remodel (2023) and a new roof (2025) significantly reduce near-term capital needs. Interior photos show a functional kitchen and bathrooms and generally clean, updated finishes. Primary remaining inspection risks are verification of smoke/CO detectors and GFCI protection, and potential bedroom egress sizing for the rooms with small high windows. Mechanical components (HVAC, water heater, electrical panel) are not photographed and should be verified, but presence of vents and HUD tenancy suggests they are operational. Likely passable with minor fixes or documentation; estimated rent-ready within 1–3 weeks if detectors/GFCI or egress are confirmed or addressed quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing indicate a major 2023 interior remodel (kitchen, flooring, lighting, primary bath, new windows) and a new architectural roof in 2025. Kitchen cabinets, countertops, range, sink and bathroom fixtures appear serviceable; flooring looks recently replaced. Minor cosmetic touch-ups possible (trim, paint, closet doors). Missing interior access now but tenant-occupied; no visible deferred maintenance. Missing appliances are not an issue (stove present)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 82.0,
"rationale": "No visible exposed wiring, no sagging ceilings, tub/shower and toilet in place, entry door appears secure and there are handrails at entry steps. Central HVAC supply vents are visible indicating heating/cooling. However photos do not show smoke/CO detectors or GFCI outlets in kitchen/bath (required by NSPIRE where applicable). Several bedrooms show small high horizontal windows that may not meet emergency egress size requirements — potential inspection risk. No visible mold, active leaks, or major trip hazards."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 78.0,
"rationale": "New roof (2025) reduces near-term roof risk. Ceiling HVAC vents indicate central HVAC present, but unit age/operation not shown. Electrical panel, water heater, and plumbing risers are not visible in photos; plumbing fixtures appear functional in photos. Because mechanicals are not photographed, there is moderate uncertainty about remaining useful life of HVAC and water heater. No visible water intrusion or roof stains in interior photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 88.0,
"rationale": "Exterior shows freshly painted siding, new windows (2023 per listing), brick skirt foundation with vents, level yard, and a new roof (2025). Front entry has railings and steps. Driveway/sidewalk not shown in detail but yard appears free of obvious hazards or standing water. Vegetation close to the building exists but not excessive; no visible termite/fracture or foundation displacement in photos."
},
{
"key": "rental_history_activity",
"label": "Rental / HUD Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"The property photos (dated Dec 2023) represent the current interior condition and the new roof (installed 2025 per listing) remains intact.",
"Central HVAC is present and operational (ceiling vents visible) though the unit age/condition is unknown.",
"Smoke detectors and carbon monoxide alarms may be installed but are not visible in photos; their presence/function will need verification.",
"GFCI protection for kitchen/bath outlets is not visible in photos and is assumed absent until verified.",
"Electrical panel, water heater, and main plumbing shutoffs are present and serviceable though not photographed.",
"Bedrooms with small horizontal windows may not meet NSPIRE/egress size requirements unless there are alternate egress windows not shown.",
"Tenant-occupied status and HUD lease imply the property has previously passed a HUD inspection or program eligibility check in 2024."
],
"overall_score": 83.0,
"rubric_version": "ns-p-v1.0"
},
{
"summary": "Overall this tenant-occupied 4BR/2BA appears in good cosmetic and functional condition following a 2023 interior remodel and a 2025 roof replacement. Major systems appear present (HVAC registers, kitchen appliances) and the exterior is maintained. The most significant inspection risks are unverified smoke/CO detector placement and likely inadequate egress dimensions for some rooms that appear to be basement-level with small high windows — either could cause an NSPIRE/Section 8 fail. Interior verification (detectors, GFCI, electrical panel, HVAC operation, hot water) and confirming bedroom egress will be required. With correction of detectors/GFCI and confirmation or remediation of egress windows (if needed), the property is likely to pass an initial HCV inspection within 30 days; as-is there is moderate risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 78.0,
"rationale": "Photos and listing describe a 2023 major interior remodel (kitchen, primary bath, flooring, new windows) and recent 2025 architectural roof. Kitchen cabinets, counters, range and hood, sink and bathroom finishes appear in good cosmetic condition. Floor coverings are mixed (vinyl tile + carpet tiles) but serviceable. Minor scuffs at door base and some ceiling tiles show seams; no visible active water staining or obvious deferred maintenance. Missing or older finish items are cosmetic and repair-level rather than structural."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Compliance Risk",
"score": 65.0,
"rationale": "No smoke/CO detectors visible in photos and their presence/location cannot be confirmed (common HUD failure point). Windows were replaced per listing but several bedrooms / living rooms show small, high horizontal windows (possible basement egress) that may not meet required egress size — potential inspection failure if these are sleeping rooms. Entry has exterior lighting and handrails are present at front steps. No exposed wiring, visible water intrusion, or obvious mold in photos. GFCI presence at sink/outlet cannot be confirmed. Because of unverified detectors and possible inadequate egress, safety risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Electrical, Plumbing)",
"score": 75.0,
"rationale": "Listing confirms a new architectural roof installed 2025 (low near-term roof risk). Ceiling air registers indicate central HVAC present; condition appears intact though operational status and age cannot be verified. Kitchen appliances are present (range, hood). Plumbing fixtures shown appear serviceable; no visible leaks. Electrical panel and water heater not pictured so cannot be evaluated. Overall systems look intact but several critical system verifications (panel, hot water, HVAC operation) require interior inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior facade appears well painted, foundation uses raised brick crawl with vents present. Roof new 2025 per listing and shingles in photos look new. Front steps have handrails on both sides. Yard is low-maintenance with pine straw; no standing water or major drainage issues visible from photos. Fencing/driveway/sidewalk condition not fully documented but no visible exterior neglect or infestation signs."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Potential inadequate bedroom egress (several rooms show small/high horizontal windows that may not meet egress size) — likely cause for inspection failure if these are sleeping rooms.",
"No visible/confirmable smoke and carbon monoxide detectors in photos — missing or improperly located detectors are a common immediate fail.",
"No interior access until property is under contract / tenant-occupied — inability to verify electrical panel, hot water, HVAC operation, and other code items increases risk and can delay remediation."
],
"confidence": 0.75,
"assumptions": [
"Interior photos are representative of the entire dwelling but are dated Dec 2023; no interior rework occurred since then except the roof (2025) claimed in listing.",
"New windows installed in 2023 per listing; their condition is assumed sound but size/dimensions for egress are uncertain from photos.",
"Presence and operational status of smoke and carbon monoxide detectors, GFCI outlets, electrical panel condition, HVAC operational status, and water heater are unknown and assumed to be unverified until interior access.",
"Bedrooms shown with small, high windows may be partially below-grade or not meet egress requirements; I assumed at least one sleeping room has questionable egress.",
"No visible signs of active water intrusion, major mold, foundation movement, or roof leaks in provided photos.",
"Tenant-occupied status means inspector access / immediate repairs may be delayed until tenancy/permission is coordinated."
],
"overall_score": 74.0,
"rubric_version": "ns-pipeline-v1"
},
{
"summary": "Based on listing details and interior/exterior photos, this 4BR/2BA tenant-occupied home appears to be largely rent-ready and likely to pass an initial HCV/NSPIRE inspection with minor fixes. Strengths: recent interior remodel (2023), new windows (2023 per listing), new roof (2025 per listing), visible HVAC vents, functioning kitchen appliances, and generally clean finishes. Primary inspection risks to verify on-site: presence and functionality of smoke and carbon monoxide detectors, GFCI protection at required receptacles, and whether all bedrooms meet emergency egress dimensions. These are typically quick fixes if absent. Overall this property rates as turnkey with minor repairs needed (likely rent-ready within 1–4 weeks pending verification of detectors/GFCI and egress).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 85.0,
"rationale": "Photos and listing indicate a near-complete 2023 interior remodel (kitchen, flooring, lighting, primary bath, windows) and interior finishes appear clean and intact. Newer appliances (electric range, hood) and countertops/cabinets shown. Exterior paint and siding look maintained. Minor items likely: cosmetic touch-ups, threshold/door bottom at rear entry shown with wear, and carpet-tile in some rooms may be tenant-installed; these are easy-to-fix, capital-only items. No obvious large-scale deferred maintenance visible in photos."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 75.0,
"rationale": "No exposed wiring, no visible water intrusion, handrails present at front steps, tub/shower and fixtures appear functional, and vents/returns visible (central HVAC). However photos do not show smoke detectors or CO detectors, and GFCI protection near kitchen/bath outlets isn't clearly visible. Several bedrooms show small high/transom-style windows which may not meet emergency egress dimensions — this is the primary inspection risk. Overall there are no visible life-threatening hazards, but missing/uncertain detectors, GFCIs and bedroom egress should be verified/installed if absent."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 78.0,
"rationale": "Listing confirms new architectural roof in 2025 which reduces near-term capital risk. Interior photos show ceiling supply/return vents indicating central HVAC (presence and vents visible), and an electric range and range hood installed. Water heater and electrical panel are not visible in photos; plumbing fixtures in bathrooms/kitchen appear intact. Given the recent remodel and visible HVAC vents, major systems likely functional but unseen components (panel, water heater) require verification during inspection/entry."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior front elevation looks well-maintained: new roof (per listing), painted siding, brick foundation with vents, functioning front steps with railings. Yard is mostly bare ground/pine straw but no standing water, major grading issues, or visible foundation cracks in provided photos. Fencing and rear yard details not shown. Curb appeal and envelope condition are good based on available images."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Occupancy (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Possible inadequate bedroom egress — several rooms show small high/transom-style windows that may not meet emergency egress requirements; verify window size/operation.",
"No visible smoke detectors or carbon monoxide alarms in provided interior photos — verify presence and proper placement/operation.",
"No visible GFCI-protected kitchen/bath receptacles in photos — verify GFCI protection per code/NSPIRE requirements."
],
"confidence": 0.75,
"assumptions": [
"Interior photos provided (dated Dec 2023) represent the current interior condition except the roof which listing states was replaced in 2025.",
"Central HVAC is present and operational (supply/return vents visible); no evidence of no-heat condition in photos.",
"Water heater and electrical panel are present and functioning although they are not visible in the photos; their condition is assumed serviceable until proven otherwise.",
"Smoke detectors, CO detectors, and GFCI outlets are not visible in photos; the analysis assumes they may be missing or unverified and flags them for verification.",
"Bedrooms shown include at least some windows that meet egress; however several rooms show small high windows that may not meet egress requirements and need verification.",
"Tenant-occupied status (HUD lease) suggests baseline habitability and routine system use, lowering probability of hidden catastrophic defects."
],
"overall_score": 85.0,
"rubric_version": "ns-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "751 Woodbury Rd, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall the property appears largely turnkey for Section 8/HCV tenancy. Recent remodel (2023) and a new roof (2025) significantly reduce near-term capital needs. Interior photos show a functional kitchen and bathrooms and generally clean, updated finishes. Primary remaining inspection risks are verification of smoke/CO detectors and GFCI protection, and potential bedroom egress sizing for the rooms with small high windows. Mechanical components (HVAC, water heater, electrical panel) are not photographed and should be verified, but presence of vents and HUD tenancy suggests they are operational. Likely passable with minor fixes or documentation; estimated rent-ready within 1–3 weeks if detectors/GFCI or egress are confirmed or addressed quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.7,
"rationale": "Photos and listing indicate a major 2023 interior remodel (kitchen, flooring, lighting, primary bath, new windows) and a new architectural roof in 2025. Kitchen cabinets, countertops, range, sink and bathroom fixtures appear serviceable; flooring looks recently replaced. Minor cosmetic touch-ups possible (trim, paint, closet doors). Missing interior access now but tenant-occupied; no visible deferred maintenance. Missing appliances are not an issue (stove present)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.7,
"rationale": "Exterior shows freshly painted siding, new windows (2023 per listing), brick skirt foundation with vents, level yard, and a new roof (2025). Front entry has railings and steps. Driveway/sidewalk not shown in detail but yard appears free of obvious hazards or standing water. Vegetation close to the building exists but not excessive; no visible termite/fracture or foundation displacement in photos."
},
{
"key": "rental_history_activity",
"label": "Rental / HUD Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 74.0,
"rationale": "No visible exposed wiring, no sagging ceilings, tub/shower and toilet in place, entry door appears secure and there are handrails at entry steps. Central HVAC supply vents are visible indicating heating/cooling. However photos do not show smoke/CO detectors or GFCI outlets in kitchen/bath (required by NSPIRE where applicable). Several bedrooms show small high horizontal windows that may not meet emergency egress size requirements — potential inspection risk. No visible mold, active leaks, or major trip hazards."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 77.0,
"rationale": "New roof (2025) reduces near-term roof risk. Ceiling HVAC vents indicate central HVAC present, but unit age/operation not shown. Electrical panel, water heater, and plumbing risers are not visible in photos; plumbing fixtures appear functional in photos. Because mechanicals are not photographed, there is moderate uncertainty about remaining useful life of HVAC and water heater. No visible water intrusion or roof stains in interior photos."
}
],
"red_flags": [],
"confidence": 0.76,
"assumptions": [
"The property photos (dated Dec 2023) represent the current interior condition and the new roof (installed 2025 per listing) remains intact.",
"Central HVAC is present and operational (ceiling vents visible) though the unit age/condition is unknown.",
"Smoke detectors and carbon monoxide alarms may be installed but are not visible in photos; their presence/function will need verification.",
"GFCI protection for kitchen/bath outlets is not visible in photos and is assumed absent until verified.",
"Electrical panel, water heater, and main plumbing shutoffs are present and serviceable though not photographed.",
"Bedrooms with small horizontal windows may not meet NSPIRE/egress size requirements unless there are alternate egress windows not shown.",
"Tenant-occupied status and HUD lease imply the property has previously passed a HUD inspection or program eligibility check in 2024."
],
"score_method": "mean_of_criteria",
"overall_score": 79.1,
"rubric_version": "ns-p-v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7403419944"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.