Property ID: 7410163153
2914 Barwood Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $15,360
CoC Return: 55.62%
Monthly Cash Flow: $712
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$12,800
Closing Costs
$2,560
Total Down
$15,360
Investment Snapshot
Purchase Price
$64,000
Money Down
$15,360
Cash-on-Cash Return
55.62%
Rent
$1,277
Monthly Cash Flow
$712
Annual Cash Flow
$8,544
Debt Service / Mo
$341
Property Tax / Mo
$68
Insurance / Mo
$29
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,277
Payment Standard
$1,620
Rent
$1,277
Insurance
$29
Property Tax
$68
Management
$128
Utilities Allowance
$343
NOI (Monthly)
$1,053
Debt Service
$341
Cash Flow After Debt
$712
Quality Score: 65.70%
Confidence: 91.00%
Based on photos and the listing, this tenant-occupied 3BR/2BA appears to be in fair condition with mostly cosmetic deferred maintenance and some moderate inspection risks. Major systems (roof, HVAC unit) are present and appear intact; no clear structural failures or life-threatening hazards are visible. Primary concerns for an initial HCV/NSPIRE inspection: bedroom floor covering pulled up (trip hazard), absence/visibility of CO detector and GFCI outlets, and tenant access/verification of hot water/electrical panel. With targeted minor repairs (secure/replace floor covering, verify/install required detectors and GFCIs, clear vegetation) it likely could pass after 1–4 weeks of prep and repairs. Tenant-occupied status and limited photo coverage leave some uncertainty about hidden plumbing/electrical items.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$343
Guaranteed Section 8 Rent (PS - Utilities)
$1,277
Property Management
$128
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$64,000
Beds
3
Baths
2
Living Area
1,116 sqft
Lot Size
15,682 sqft
Year Built
1950
Days on Market
32
Capital Outlay
$15,360
Debt Service
$341
Property Tax / Mo
$68
Insurance / Mo
$29
Property Description
Tenant occupied 3br/2ba. Great opportunity for Investors. Sold ''AS IS''.
Utility Allowances
Heating
$21
Property has 'Central' heating and 'Natural Gas Connected' is listed as an available utility. Natural Gas was selected as the most likely fuel source.
Air Conditioning
$12
Property data indicates 'Central Air' is present.
Cooking
$11
Property data mentions both gas and electric are available. Kitchen photos show an electric stove, so Electric was selected.
Water Heating
$29
Fuel type is not specified, but both natural gas and electric are available. Per instructions, the more expensive option (Electric) was chosen.
Other Electric
$69
Standard allowance for tenant-paid general electrical use (lights, outlets).
Water
$104
Property data indicates the property uses a 'Public' water source.
Sewer
$60
Property data indicates the property uses 'Public Sewer'.
Trash Collection
$37
Trash collection is a standard utility for single-family homes and is assumed to be the tenant's responsibility.
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$312
DP3 Annual Estimate$379
DP1 Monthly Equivalent$26
DP3 Monthly Equivalent$32
Replacement Value$17,310
Basis1,116 sqft / 1950
Nearby Houses
Photo unavailable
2931 Barwood Dr
for_sale · 0.06 mi
Price: $70,000
3 bd / 1 ba · 1,116 sqft
Latest sale: — on Mar 27, 2024
Latest rent: $1,000 on Nov 19, 2021
Photo unavailable
2919 Barwood Dr
sold · 0.07 mi
Price: $20,900
3 bd / 1 ba · 1,392 sqft
Latest sale: — on Mar 02, 2022
Latest rent: —
Photo unavailable
2934 Barwood Dr
sold · 0.07 mi
Price: $25,000
4 bd / 3 ba · 2,000 sqft
Latest sale: — on Mar 23, 2023
Latest rent: —
Photo unavailable
3008 Woodbine St
sold · 0.10 mi
Price: $3,500
3 bd / 1 ba · 1,070 sqft
Latest sale: — on Dec 09, 2025
Latest rent: —
Photo unavailable
2942 Barwood Dr
for_sale · 0.10 mi
Price: $31,500
4 bd / 2 ba · 2,014 sqft
Latest sale: — on Oct 31, 2014
Latest rent: —
Photo unavailable
2920 Woodbine St
sold · 0.12 mi
Price: $60,000
4 bd / 2 ba · 1,945 sqft
Latest sale: — on Dec 27, 2023
Latest rent: $1,525 on Aug 05, 2025
Photo unavailable
308 Fairhill Dr
off_market · 0.15 mi
Price: $70,000
4 bd / 2 ba · 1,456 sqft
Latest sale: — on Aug 29, 2013
Latest rent: —
Photo unavailable
368 Fairhill Dr
sold · 0.15 mi
Price: $74,500
3 bd / 1 ba · 1,245 sqft
Latest sale: — on Mar 14, 2025
Latest rent: $1,000 on Dec 11, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos are recent and representative of current condition.
- HVAC condenser visible in exterior photo is operable and provides heating/cooling.
- Kitchen and range are serviceable as shown; utility services (electric/water) are connected.
- No active roof leaks or major plumbing leaks exist because interior ceilings show no staining in provided images.
- No major electrical hazards behind walls or in panel (panel not photographed); standard outlets present but GFCI locations unverified.
- Absence of CO detector and GFCI outlets in photos is treated as unknown/possible deficiency rather than confirmed failure.
- Tenant-occupied status may obscure some deficiencies and may limit immediate access for repairs/inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $791 | $27,310 | $4,097 |
| 2023 | $788 | $27,310 | $4,097 |
| 2021 | $788 | $27,310 | $4,097 |
| 2020 | $769 | $26,810 | $4,022 |
| 2019 | $770 | $26,810 | $4,022 |
| 2018 | $761 | $26,810 | $4,022 |
| 2017 | $761 | $26,810 | $4,022 |
| 2016 | $741 | $26,810 | $4,022 |
| 2015 | $722 | $26,900 | $4,035 |
| 2014 | $721 | $26,900 | $4,035 |
| 2013 | $701 | $26,900 | $4,035 |
| 2012 | $935 | $35,870 | $5,381 |
| 2011 | $861 | $33,520 | $5,028 |
| 2010 | $856 | $33,520 | $5,028 |
| 2009 | $856 | $33,520 | $5,028 |
| 2008 | $856 | $26,810 | $4,022 |
| 2007 | $692 | $26,810 | $4,022 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-05-29 | Sold | — |
Photo Gallery
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"building": 20810
},
"assessment": {
"land": 900,
"total": 4022,
"building": 3122
}
}
],
"property_history": [
{
"date": "2026-02-09",
"price": 64000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-15T23:47:23Z",
"list_price": 64000,
"listing_id": "2990337740",
"last_update_date": "2026-02-09T21:10:41Z",
"last_status_change_date": "2026-01-15T23:47:23Z"
},
"event_name": "Price Changed",
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"source_name": "MLSUnited",
"price_change": -5000,
"days_after_listed": null,
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{
"date": "2026-01-22",
"price": 69000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-15T23:47:23Z",
"list_price": 64000,
"listing_id": "2990337740",
"last_update_date": "2026-02-09T21:10:41Z",
"last_status_change_date": "2026-01-15T23:47:23Z"
},
"event_name": "Price Changed",
"price_sqft": 61.82795698924731,
"source_name": "MLSUnited",
"price_change": -6000,
"days_after_listed": null,
"source_listing_id": "4136332",
"price_change_percentage": null
},
{
"date": "2026-01-15",
"price": 75000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-15T23:47:23Z",
"list_price": 64000,
"listing_id": "2990337740",
"last_update_date": "2026-02-09T21:10:41Z",
"last_status_change_date": "2026-01-15T23:47:23Z"
},
"event_name": "Listed",
"price_sqft": 67.20430107526882,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4136332",
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},
{
"date": "2025-05-29",
"price": 0,
"listing": {
"status": "sold",
"list_date": "2026-02-03T21:01:57Z",
"list_price": 49900,
"listing_id": "2975611058",
"last_update_date": "2025-05-29T20:06:23Z",
"last_status_change_date": "2026-02-03T21:01:57Z"
},
"event_name": "Sold",
"price_sqft": 0,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4097960",
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},
{
"date": "2020-03-01",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2019-10-23T22:20:54Z",
"list_price": 35000,
"listing_id": "2752181702",
"last_update_date": "2020-01-24T19:43:05Z",
"last_status_change_date": "2020-03-01T08:06:40Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "325081",
"price_change_percentage": null
},
{
"date": "2020-01-24",
"price": 35000,
"listing": {
"status": "off_market",
"list_date": "2019-10-23T22:20:54Z",
"list_price": 35000,
"listing_id": "2752181702",
"last_update_date": "2020-01-24T19:43:05Z",
"last_status_change_date": "2020-03-01T08:06:40Z"
},
"event_name": "Relisted",
"price_sqft": 31.36200716845878,
"source_name": "CentralMSMLS",
"price_change": 35000,
"days_after_listed": null,
"source_listing_id": "325081",
"price_change_percentage": null
},
{
"date": "2020-01-01",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2019-10-23T22:20:54Z",
"list_price": 35000,
"listing_id": "2752181702",
"last_update_date": "2020-01-24T19:43:05Z",
"last_status_change_date": "2020-03-01T08:06:40Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "70 days",
"source_listing_id": "325081",
"price_change_percentage": null
},
{
"date": "2019-10-23",
"price": 35000,
"listing": {
"status": "off_market",
"list_date": "2019-10-23T22:20:54Z",
"list_price": 35000,
"listing_id": "2752181702",
"last_update_date": "2020-01-24T19:43:05Z",
"last_status_change_date": "2020-03-01T08:06:40Z"
},
"event_name": "Listed",
"price_sqft": 31.36200716845878,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "325081",
"price_change_percentage": null
},
{
"date": "2010-10-19",
"price": 14900,
"listing": {
"status": "off_market",
"list_date": "2010-09-13T17:07:00Z",
"list_price": 14900,
"listing_id": "519971095",
"last_update_date": "2010-10-19T16:56:00Z",
"last_status_change_date": "2010-10-19T16:56:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "36 days",
"source_listing_id": "223955",
"price_change_percentage": null
},
{
"date": "2010-09-13",
"price": 14900,
"listing": {
"status": "off_market",
"list_date": "2010-09-13T17:07:00Z",
"list_price": 14900,
"listing_id": "519971095",
"last_update_date": "2010-10-19T16:56:00Z",
"last_status_change_date": "2010-10-19T16:56:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "223955",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7410163153",
"generated_at": "2026-02-16T23:21:11.884372Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.7
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/b1b29a6c654daa881ec2e78c704ac481l-m3577093665s-w1280.jpg",
"rent_price": 1277.0,
"loan_amount": 51200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2914-Barwood-Dr_Jackson_MS_39212_M74101-63153",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 64000.0,
"loan_term_years": 30,
"annual_cash_flow": 12631.37,
"mortgage_monthly": 340.63,
"payment_standard": 1620.0,
"total_amount_out": 12800.0,
"additional_photos": [
"https://ap.rdcpix.com/b1b29a6c654daa881ec2e78c704ac481l-m3661564131s-w1280.jpg",
"https://ap.rdcpix.com/b1b29a6c654daa881ec2e78c704ac481l-m1500454964s-w1280.jpg",
"https://ap.rdcpix.com/b1b29a6c654daa881ec2e78c704ac481l-m1667732980s-w1280.jpg",
"https://ap.rdcpix.com/b1b29a6c654daa881ec2e78c704ac481l-m801301449s-w1280.jpg",
"https://ap.rdcpix.com/b1b29a6c654daa881ec2e78c704ac481l-m4141763808s-w1280.jpg",
"https://ap.rdcpix.com/b1b29a6c654daa881ec2e78c704ac481l-m3515752468s-w1280.jpg",
"https://ap.rdcpix.com/b1b29a6c654daa881ec2e78c704ac481l-m34192850s-w1280.jpg",
"https://ap.rdcpix.com/b1b29a6c654daa881ec2e78c704ac481l-m3696318678s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 28.79,
"monthly_cash_flow": 1052.61,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Property has 'Central' heating and 'Natural Gas Connected' is listed as an available utility. Natural Gas was selected as the most likely fuel source.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Property data indicates 'Central Air' is present.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Property data mentions both gas and electric are available. Kitchen photos show an electric stove, so Electric was selected.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Fuel type is not specified, but both natural gas and electric are available. Per instructions, the more expensive option (Electric) was chosen.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "Standard allowance for tenant-paid general electrical use (lights, outlets).",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property data indicates the property uses a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Property data indicates the property uses 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Trash collection is a standard utility for single-family homes and is assumed to be the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 37
}
],
"cash_on_cash_return": 0.99,
"down_payment_amount": 12800.0,
"property_tax_annual": 814.73,
"property_tax_monthly": 67.89,
"property_tax_increase": 0.03,
"utility_allowance_total": 343.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/fmr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39212/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 8543.75,
"property_management_monthly": 127.7,
"monthly_cash_flow_after_debt": 711.98,
"cash_on_cash_return_after_debt": 0.67
},
"section8_assessment": {
"runs": [
{
"summary": "Based on photos and the listing, this tenant-occupied 3BR/2BA appears to be in fair condition with mostly cosmetic deferred maintenance and some moderate inspection risks. Major systems (roof, HVAC unit) are present and appear intact; no clear structural failures or life-threatening hazards are visible. Primary concerns for an initial HCV/NSPIRE inspection: bedroom floor covering pulled up (trip hazard), absence/visibility of CO detector and GFCI outlets, and tenant access/verification of hot water/electrical panel. With targeted minor repairs (secure/replace floor covering, verify/install required detectors and GFCIs, clear vegetation) it likely could pass after 1–4 weeks of prep and repairs. Tenant-occupied status and limited photo coverage leave some uncertainty about hidden plumbing/electrical items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior photos show generally intact walls and ceilings with functioning ceiling fixtures and fan but visible deferred cosmetic items: loose/partial floor covering in bedroom (sheet vinyl/tiles pulled up), cluttered tenant-occupied rooms, and some wear on trim and stairs. Kitchen and appliances (range, microwave) are present which reduces penalty; listing is AS-IS and tenant-occupied so additional hidden wear is possible. No visible fire damage, collapsed ceilings, or major structural cracking in provided images. Overall moderate, mostly cosmetic repairs and some flooring replacement recommended."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "A smoke detector is visible on the living room ceiling (positive). Entry has a security/metal door and there is a handrail on front steps. No exposed wiring, obvious electrical hazards, or sagging/structural ceiling failure are visible. Egress windows appear present in bedrooms from photos. Missing/unknown items that could trigger inspection issues: no carbon monoxide detector visible (location/requirements depend on fuel appliances), GFCI outlets in kitchen/bath not visible, and the loose floor covering in a bedroom is a trip hazard. No visible active leaks or mold stains. Given photos and tenant presence, risk is moderate but not an immediate fatal safety failure."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electric, Plumbing, Roof)",
"score": 65.0,
"rationale": "Exterior photo shows an outdoor HVAC condenser unit indicating central HVAC is present. Roof appears intact with new-ish shingles and straight roofline in photos. No water stains seen on interior ceilings to indicate active roof or plumbing leaks. Electric panel, water heater, and hot water availability are not shown. Appliances (range, microwave) are present in kitchen which suggests services are connected. Systems appear present and likely operational but cannot be fully confirmed from photos; therefore score reflects likely functioning systems with moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Siding, trim and painted exterior look maintained in photos; brick foundation band appears intact. Front steps and railing exist; driveway/walkway are unpaved/gravel in appearance but serviceable. Vegetation is close to the structure which could create moisture/maintenance issues if not managed. No obvious foundation displacement, major siding failure, or standing water visible. Satellite dish and exterior AC present. Overall site is serviceable but needs minor cleanup/vegetation control."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Photos are recent and representative of current condition.",
"HVAC condenser visible in exterior photo is operable and provides heating/cooling.",
"Kitchen and range are serviceable as shown; utility services (electric/water) are connected.",
"No active roof leaks or major plumbing leaks exist because interior ceilings show no staining in provided images.",
"No major electrical hazards behind walls or in panel (panel not photographed); standard outlets present but GFCI locations unverified.",
"Absence of CO detector and GFCI outlets in photos is treated as unknown/possible deficiency rather than confirmed failure.",
"Tenant-occupied status may obscure some deficiencies and may limit immediate access for repairs/inspection."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Tenant-occupied 3BR/2BA appears structurally sound from photos with a serviceable roof, exterior HVAC, and intact siding. Primary deficiencies are cosmetic and minor capital repairs (unfinished/loose flooring, trim/paint, landscaping) and several NSPIRE-required safety items cannot be confirmed (smoke detectors in each bedroom, GFCI outlets, bedroom egress, functioning hot water/electrical panel). Likely a passable Section 8 inspection after 1–3 repairs/confirmations (install/verify detectors, secure/repair loose flooring, verify GFCI/hot water), but verification of mechanicals and smoke/CO placement is required on-site. Estimated readiness: minor repairs, likely rent‑ready within ~30 days contingent on systems verification.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Visible Repairs",
"score": 65.0,
"rationale": "Interior shows generally intact finishes but clear deferred maintenance and temporary/unfinished flooring in at least one bedroom (loose vinyl/tiles over carpet or subfloor) creating a trip hazard and aesthetic issue. Walls and ceilings look mostly intact with normal wear; kitchen has stove and microwave installed but refrigerator not visible (may be tenant-owned). Small concrete stoop has minor spalling. Overall items are mostly cosmetic or capital repairs (flooring, paint, minor trim) which are straightforward to fix and would not alone cause a catastrophic failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards visible (no standing water, no collapsed ceilings, no obvious exposed wiring). A circular smoke/CO style device is visible in the living room which suggests at least one detector is present, but presence/operation of smoke detectors in each bedroom, carbon monoxide alarms (if required), GFCI protection in kitchen/bath, and proper bedroom egress windows are not clearly documented in photos. Front stoop has a handrail; stairs/rail appear present. Because several required items cannot be confirmed from photos, there is a moderate NSPIRE risk — likely fixable but needs verification and possibly minor repairs or additional detectors/outlet upgrades."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Exterior HVAC condenser unit is present and appears mounted on a pad (good). Roof shingles and flashing appear intact from available exterior photos (no visible active leaks). No water heater or electrical panel images provided. Interior fixtures (ceiling fan/light, range, microwave) are present and operating in photos. Because operational condition of HVAC, water heater, plumbing hot water, and electrical service cannot be fully confirmed from photos, treat systems as functional but unverified — moderate risk that inspection will require service or documentation."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Siding, windows, and roofline appear intact; foundation shows brick skirt with no visible major settlement or sagging. Vegetation is close to the house and should be trimmed to prevent moisture/termite risk. Walkways and driveway appear unpaved/gravel but usable. Satellite dish and AC pad placement look typical. Minor landscaping and debris removal required but no structural exterior failures visible."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Photos are recent and representative of current conditions; property is tenant-occupied and may conceal some areas.",
"HVAC condenser visible outside is connected to an indoor air handler and provides heating/cooling; operation is assumed but not tested.",
"Water heater and electrical panel exist and are serviceable although not shown; no visible plumbing leaks were photographed.",
"At least one smoke/CO alarm is present (device visible in living room), but additional alarms in bedrooms/halls may be missing or nonfunctional and must be confirmed.",
"Refrigerator may be tenant-owned and is not included in listing photos; missing appliances alone are not treated as an inspection-fail unless connections are unsafe.",
"No concealed active mold, major foundation movement, or roof leak was visible in photos; however close-cut vegetation elevates moisture/termite risk."
],
"overall_score": 63.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this tenant-occupied 3BR/2BA appears to be in fair to good repair with mostly cosmetic and routine maintenance items visible — flooring repairs, interior cleaning and minor trim/paint work. Major visible structural or life-safety failures are not apparent in the photos (roof intact, no collapsed ceilings, HVAC condenser present). Main inspection risks are items not shown: presence/placement of all required smoke/CO detectors, GFCI protection in kitchen/baths, water heater condition/hot water, electrical panel condition, and confirmation of bedroom egress compliance. With targeted verification and correcting a few probable minor items, the property looks likely to pass an initial HCV/NSPIRE inspection after 1–4 weeks of prep and small repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Property photos show a generally intact single-story house with cosmetically acceptable exterior paint/siding and an intact roofline. Interior shows lived-in bedrooms and living areas with functioning ceiling fans and light fixtures; kitchen has a stove and microwave visible. Noted visible issues: mismatched/loose flooring panels in a bedroom (seams/temporary boards), cluttered rooms that hide condition, minor wear to front steps and porch, awnings and trim show age, and some interior surfaces may need fresh paint/patching. Tenant-occupied status suggests appliances may be present but refrigerator not visible in photos. These are mostly minor/ cosmetic or capital items and should be repairable without major structural work."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 65.0,
"rationale": "No immediate life-threatening hazards are visible: no collapsed ceilings, no standing water, and no visible exposed high-voltage wiring. A round smoke/CO-type alarm device is visible in the living room ceiling (positive), handrail present at main steps, and bedroom windows appear of a size that likely provide egress. Uncertainties that reduce score: presence and placement of required smoke detectors in each bedroom/hallway not confirmed; carbon monoxide alarm presence not confirmed (required if fuel-burning appliances/piping present); GFCI protection in kitchen/bath not visible; electrical panel and water heater not shown; hot water availability not confirmed. These unknowns create inspection risk but no clear fatal defects are visible in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.0,
"rationale": "Exterior photos show an HVAC condensing unit present (indicating central air/heat likely), and the roof appears to be in serviceable condition with no obvious sagging or active leak staining on interior ceilings. Electric range present suggests electrical service functional. However, key system components are unverified in photos: water heater visibility/condition, electrical panel condition, age/operation of HVAC, and plumbing/drainage performance. Tenant-occupied condition and no visible roof or structural damage are positives, but the unknown condition or age of mechanicals reduces score to moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Exterior siding and brick skirting appear intact and recently painted; roofline and gutters appear proper in available photos. Yard is maintained but vegetation is close to the structure on one side (could affect grading/drainage and create risk of moisture or pest ingress). Driveway/front yard looks unpaved/gravel but serviceable. Steps and railings are present at entrances. No obvious foundation cracking or large site drainage ponds visible from photos. Overall site condition is acceptable with some vegetation-management work recommended."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Tenant-occupied means many interior systems/appliances are present but some (e.g., refrigerator) may be tenant-provided and not shown in photos.",
"The HVAC condenser outside indicates a functioning central HVAC system that provides heat and cooling; exact operational status and age unknown.",
"No visible active roof leaks—interior ceiling stains are minimal/absent in photos; assume roof is serviceable without major failure.",
"Water heater and electrical panel are present and operational but were not photographed; their condition is unknown and must be verified.",
"Smoke detector visible in living area suggests alarms are present, but locations in bedrooms/hallways and CO alarm status are unknown.",
"Kitchen appliances visible (range, microwave) are assumed operable but should be tested; GFCI protection in kitchen/bath is not visible and must be confirmed."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2914 Barwood Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Based on photos and the listing, this tenant-occupied 3BR/2BA appears to be in fair condition with mostly cosmetic deferred maintenance and some moderate inspection risks. Major systems (roof, HVAC unit) are present and appear intact; no clear structural failures or life-threatening hazards are visible. Primary concerns for an initial HCV/NSPIRE inspection: bedroom floor covering pulled up (trip hazard), absence/visibility of CO detector and GFCI outlets, and tenant access/verification of hot water/electrical panel. With targeted minor repairs (secure/replace floor covering, verify/install required detectors and GFCIs, clear vegetation) it likely could pass after 1–4 weeks of prep and repairs. Tenant-occupied status and limited photo coverage leave some uncertainty about hidden plumbing/electrical items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 66.7,
"rationale": "Interior photos show generally intact walls and ceilings with functioning ceiling fixtures and fan but visible deferred cosmetic items: loose/partial floor covering in bedroom (sheet vinyl/tiles pulled up), cluttered tenant-occupied rooms, and some wear on trim and stairs. Kitchen and appliances (range, microwave) are present which reduces penalty; listing is AS-IS and tenant-occupied so additional hidden wear is possible. No visible fire damage, collapsed ceilings, or major structural cracking in provided images. Overall moderate, mostly cosmetic repairs and some flooring replacement recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.7,
"rationale": "Siding, trim and painted exterior look maintained in photos; brick foundation band appears intact. Front steps and railing exist; driveway/walkway are unpaved/gravel in appearance but serviceable. Vegetation is close to the structure which could create moisture/maintenance issues if not managed. No obvious foundation displacement, major siding failure, or standing water visible. Satellite dish and exterior AC present. Overall site is serviceable but needs minor cleanup/vegetation control."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "A smoke detector is visible on the living room ceiling (positive). Entry has a security/metal door and there is a handrail on front steps. No exposed wiring, obvious electrical hazards, or sagging/structural ceiling failure are visible. Egress windows appear present in bedrooms from photos. Missing/unknown items that could trigger inspection issues: no carbon monoxide detector visible (location/requirements depend on fuel appliances), GFCI outlets in kitchen/bath not visible, and the loose floor covering in a bedroom is a trip hazard. No visible active leaks or mold stains. Given photos and tenant presence, risk is moderate but not an immediate fatal safety failure."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electric, Plumbing, Roof)",
"score": 61.7,
"rationale": "Exterior photo shows an outdoor HVAC condenser unit indicating central HVAC is present. Roof appears intact with new-ish shingles and straight roofline in photos. No water stains seen on interior ceilings to indicate active roof or plumbing leaks. Electric panel, water heater, and hot water availability are not shown. Appliances (range, microwave) are present in kitchen which suggests services are connected. Systems appear present and likely operational but cannot be fully confirmed from photos; therefore score reflects likely functioning systems with moderate uncertainty."
}
],
"red_flags": [],
"confidence": 0.91,
"assumptions": [
"Photos are recent and representative of current condition.",
"HVAC condenser visible in exterior photo is operable and provides heating/cooling.",
"Kitchen and range are serviceable as shown; utility services (electric/water) are connected.",
"No active roof leaks or major plumbing leaks exist because interior ceilings show no staining in provided images.",
"No major electrical hazards behind walls or in panel (panel not photographed); standard outlets present but GFCI locations unverified.",
"Absence of CO detector and GFCI outlets in photos is treated as unknown/possible deficiency rather than confirmed failure.",
"Tenant-occupied status may obscure some deficiencies and may limit immediate access for repairs/inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 65.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7410163153"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.