Property ID: 7417206417
2815 Tara Rd, Jackson, MS, 39212
Jackson, MS
Money Down: $13,176
CoC Return: 69.03%
Monthly Cash Flow: $758
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$10,980
Closing Costs
$2,196
Total Down
$13,176
Investment Snapshot
Purchase Price
$54,900
Money Down
$13,176
Cash-on-Cash Return
69.03%
Rent
$1,263
Monthly Cash Flow
$758
Annual Cash Flow
$9,095
Debt Service / Mo
$292
Property Tax / Mo
$56
Insurance / Mo
$30
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,263
Payment Standard
$1,620
Rent
$1,263
Insurance
$30
Property Tax
$56
Management
$126
Utilities Allowance
$357
NOI (Monthly)
$1,050
Debt Service
$292
Cash Flow After Debt
$758
Quality Score: 64.90%
Confidence: 87.00%
This property appears to be in fair condition with mostly cosmetic and moderate deferred-maintenance items. Visible interior finishes are serviceable; HVAC vents indicate central system presence. Primary inspection risks are minor electrical/code items (missing outlet cover, unverified GFCI and detector coverage) and exterior trip hazards (cracked driveway) and weathering to outbuildings. No visible structural collapse, major water intrusion, or severe mold. With targeted fixes (electrical covers, verify/install smoke/CO and GFCIs, driveway repair, paint/patch, verify appliances and mechanicals) the house is likely to pass a Housing Choice Voucher (NSPIRE) initial inspection and be rent-ready within ~2–6 weeks.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$357
Guaranteed Section 8 Rent (PS - Utilities)
$1,263
Property Management
$126
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$54,900
Beds
3
Baths
2
Living Area
1,376 sqft
Lot Size
13,068 sqft
Year Built
1958
Days on Market
12
Capital Outlay
$13,176
Debt Service
$292
Property Tax / Mo
$56
Insurance / Mo
$30
Property Description
Welcome to 2815 Tara Road, a charming 3-bedroom, 2-bath, single-story home located in the heart of Jackson. This inviting property offers a comfortable and practical layout ideal for first-time buyers, downsizers, or investors. Ready for your personal touch-choose your paint, flooring, and finishes to create a space that reflects your style. The home features a spacious living area with great natural light, a functional kitchen with ample cabinet space, and a cozy dining area perfect for everyday meals. The primary bedroom includes its own private bath, while the additional bedrooms are well-sized and versatile for family, guests, or a home office. Enjoy easy, one-level living with a manageable yard that offers space for outdoor activities, gardening, or relaxing. Conveniently located near schools, shopping, dining, and major roadways, this home provides both comfort and accessibility. A great opportunity to own a solid home with plenty of potential.
Utility Allowances
Heating
$21
Property has central heating. Natural Gas is selected as the most common fuel for central systems in the region.
Air Conditioning
$12
Property data explicitly lists 'Central Air' under cooling systems.
Water Heating
$18
Natural Gas selected, assuming the water heater uses the same fuel as the central heating system.
Cooking
$29
Property data does not specify cooking fuel type. The most expensive option (Bottled Gas at $29) was chosen as per instructions.
Other Electric
$69
Standard allowance for general electric usage not covered by other specific utilities, applicable to all properties.
Water
$104
Property data indicates a 'Public' water source.
Sewer
$60
Property data indicates 'Public Sewer' is available.
Trash Collection
$37
Included as a standard tenant-paid utility for single-family homes.
Refrigerator
$4
Property data lists 'None' for appliances, so an allowance for a tenant-supplied refrigerator is included.
Range/Microwave
$3
Property data lists 'None' for appliances, so an allowance for a tenant-supplied range/microwave is included.
Source References
Payment Standard Source
Effective Date:
Oct 01, 2025
Utility Allowance Source
Effective Date:
Dec 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$257
DP3 Annual Estimate$468
DP1 Monthly Equivalent$21
DP3 Monthly Equivalent$39
Replacement Value$12,670
Basis1,376 sqft / 1958
Nearby Houses
Photo unavailable
2804 Revere St
sold · 0.03 mi
Price: $55,000
4 bd / 2 ba · 1,484 sqft
Latest sale: — on Aug 08, 2025
Latest rent: —
Photo unavailable
2820 Revere St
off_market · 0.03 mi
Price: $89,000
3 bd / 1 ba · 1,198 sqft
Latest sale: —
Latest rent: $750 on May 21, 2015
Photo unavailable
2806 Tara Rd
off_market · 0.05 mi
Price: $85,900
3 bd / 2 ba · 1,100 sqft
Latest sale: —
Latest rent: $700 on Dec 02, 2019
Photo unavailable
2831 Revere St
sold · 0.07 mi
Price: $27,900
3 bd / 2 ba · 1,381 sqft
Latest sale: — on Mar 01, 2022
Latest rent: —
Photo unavailable
2740 Teresa Dr
sold · 0.09 mi
Price: $33,500
3 bd / 1 ba · 1,068 sqft
Latest sale: — on Mar 20, 2025
Latest rent: $995 on Sep 12, 2025
Photo unavailable
2732 Teresa Dr
for_sale · 0.09 mi
Price: $42,500
3 bd / 1 ba · 1,250 sqft
Latest sale: — on Apr 02, 2025
Latest rent: $750 on Feb 13, 2026
Photo unavailable
2709 Revere St
sold · 0.12 mi
Price: $49,900
3 bd / 2 ba · 1,252 sqft
Latest sale: — on May 20, 2022
Latest rent: $775 on Apr 23, 2019
Risk and Criteria Detail
Red Flags
- success
- Exposed electrical outlet / missing outlet cover (electrical hazard) visible in bedroom photo.
- Unverified GFCI protection in kitchen/bath and unknown smoke/CO detector coverage — potential NSPIRE fails if missing.
- Cracked, uneven driveway creating trip hazards.
- Detached carport/garage shows visible deterioration and may need structural/maintenance attention.
Assumptions
- Kitchen and bathroom fixtures/appliances are not shown; assumed to be either present but not photographed or replaceable — missing appliances would be a moderate, not catastrophic, readiness issue.
- At least one ceiling smoke/CO device exists (visible in photos) but full required detector coverage (hallways, each sleeping room) is unknown and assumed incomplete until verified.
- Central HVAC is present (visible ceiling vents) and assumed operable but no outdoor condensing unit or furnace/photos provided — full mechanical condition assumed unknown and may require service.
- No visible major roof sagging or foundation movement in photos; roof and foundation are assumed intact though aged and may need maintenance.
- Electrical panel, water heater and plumbing lines not visible in photos and assumed present and functional unless inspection finds otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $657 | $22,670 | $3,401 |
| 2023 | $654 | $22,670 | $3,401 |
| 2021 | $654 | $22,670 | $3,401 |
| 2020 | $1,169 | $40,760 | $6,114 |
| 2019 | $1,170 | $40,760 | $6,114 |
| 2018 | $1,157 | $40,760 | $6,114 |
| 2017 | $1,158 | $40,760 | $6,114 |
| 2016 | $1,127 | $40,760 | $6,114 |
| 2015 | $1,074 | $39,990 | $5,999 |
| 2014 | $1,072 | $39,990 | $5,999 |
| 2013 | $1,042 | $39,990 | $5,999 |
| 2012 | $1,042 | $39,990 | $5,999 |
| 2011 | $1,027 | $39,990 | $5,999 |
| 2010 | $519 | $39,990 | $3,999 |
| 2009 | $519 | $39,990 | $3,999 |
| 2008 | $519 | $33,030 | $3,303 |
| 2007 | $430 | $33,030 | $3,303 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2013-03-26 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-02-12 | Listed for rent | $850 | — |
| 2024-01-23 | Listed for rent | $850 | — |
| 2022-04-21 | Listed for rent | $825 | — |
Photo Gallery
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"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "98 days",
"source_listing_id": "4126563",
"price_change_percentage": null
},
{
"date": "2025-11-16",
"price": 59900,
"listing": {
"status": "off_market",
"list_date": "2025-09-23T16:34:46Z",
"list_price": 59900,
"listing_id": "2986667144",
"last_update_date": "2025-11-16T14:05:07Z",
"last_status_change_date": "2025-12-30T06:22:11Z"
},
"event_name": "Price Changed",
"price_sqft": 43.531976744186046,
"source_name": "MLSUnited",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "4126563",
"price_change_percentage": null
},
{
"date": "2025-09-23",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2025-09-23T16:34:46Z",
"list_price": 59900,
"listing_id": "2986667144",
"last_update_date": "2025-11-16T14:05:07Z",
"last_status_change_date": "2025-12-30T06:22:11Z"
},
"event_name": "Listed",
"price_sqft": 50.799418604651166,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4126563",
"price_change_percentage": null
},
{
"date": "2013-04-26",
"price": 9900,
"listing": {
"status": "off_market",
"list_date": "2012-10-26T02:34:00Z",
"list_price": 9900,
"listing_id": "557743827",
"last_update_date": "2013-04-26T19:26:00Z",
"last_status_change_date": "2013-04-26T19:26:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "183 days",
"source_listing_id": "247060",
"price_change_percentage": null
},
{
"date": "2013-01-21",
"price": 9900,
"listing": {
"status": "off_market",
"list_date": "2012-10-26T02:34:00Z",
"list_price": 9900,
"listing_id": "557743827",
"last_update_date": "2013-04-26T19:26:00Z",
"last_status_change_date": "2013-04-26T19:26:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -2489,
"days_after_listed": null,
"source_listing_id": "247060",
"price_change_percentage": null
},
{
"date": "2012-11-23",
"price": 12389,
"listing": {
"status": "off_market",
"list_date": "2012-10-26T02:34:00Z",
"list_price": 9900,
"listing_id": "557743827",
"last_update_date": "2013-04-26T19:26:00Z",
"last_status_change_date": "2013-04-26T19:26:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -253,
"days_after_listed": null,
"source_listing_id": "247060",
"price_change_percentage": null
},
{
"date": "2012-10-25",
"price": 12642,
"listing": {
"status": "off_market",
"list_date": "2012-10-26T02:34:00Z",
"list_price": 9900,
"listing_id": "557743827",
"last_update_date": "2013-04-26T19:26:00Z",
"last_status_change_date": "2013-04-26T19:26:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "247060",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7417206417",
"generated_at": "2026-02-16T23:17:07.895873Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.9
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/f1a3d5bc1d26c6e416637add419b5ec9l-m3480121052s-w1280.jpg",
"rent_price": 1263.0,
"loan_amount": 43920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2815-Tara-Rd_Jackson_MS_39212_M74172-06417",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 54900.0,
"loan_term_years": 30,
"annual_cash_flow": 12601.19,
"mortgage_monthly": 292.2,
"payment_standard": 1620.0,
"total_amount_out": 10980.0,
"additional_photos": [
"https://ap.rdcpix.com/f1a3d5bc1d26c6e416637add419b5ec9l-m1360718050s-w1280.jpg",
"https://ap.rdcpix.com/f1a3d5bc1d26c6e416637add419b5ec9l-m76016095s-w1280.jpg",
"https://ap.rdcpix.com/f1a3d5bc1d26c6e416637add419b5ec9l-m1935829212s-w1280.jpg",
"https://ap.rdcpix.com/f1a3d5bc1d26c6e416637add419b5ec9l-m174313316s-w1280.jpg",
"https://ap.rdcpix.com/f1a3d5bc1d26c6e416637add419b5ec9l-m3671627511s-w1280.jpg",
"https://ap.rdcpix.com/f1a3d5bc1d26c6e416637add419b5ec9l-m2266705086s-w1280.jpg",
"https://ap.rdcpix.com/f1a3d5bc1d26c6e416637add419b5ec9l-m412503688s-w1280.jpg",
"https://ap.rdcpix.com/f1a3d5bc1d26c6e416637add419b5ec9l-m3191107907s-w1280.jpg",
"https://ap.rdcpix.com/f1a3d5bc1d26c6e416637add419b5ec9l-m1246547907s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 30.21,
"monthly_cash_flow": 1050.1,
"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. Natural Gas is selected as the most common fuel for central systems in the region.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Property data explicitly lists 'Central Air' under cooling systems.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Natural Gas selected, assuming the water heater uses the same fuel as the central heating system.",
"utility": "Water Heating",
"allowance": 18
},
{
"note": "Property data does not specify cooking fuel type. The most expensive option (Bottled Gas at $29) was chosen as per instructions.",
"utility": "Cooking",
"allowance": 29
},
{
"note": "Standard allowance for general electric usage not covered by other specific utilities, applicable to all properties.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property data indicates a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Property data indicates 'Public Sewer' is available.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Included as a standard tenant-paid utility for single-family homes.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property data lists 'None' for appliances, so an allowance for a tenant-supplied refrigerator is included.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Property data lists 'None' for appliances, so an allowance for a tenant-supplied range/microwave is included.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 1.15,
"down_payment_amount": 10980.0,
"property_tax_annual": 676.71,
"property_tax_monthly": 56.39,
"property_tax_increase": 0.03,
"utility_allowance_total": 357.0,
"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": 9094.78,
"property_management_monthly": 126.3,
"monthly_cash_flow_after_debt": 757.9,
"cash_on_cash_return_after_debt": 0.83
},
"section8_assessment": {
"runs": [
{
"summary": "This property appears to be in fair condition with mostly cosmetic and moderate deferred-maintenance items. Visible interior finishes are serviceable; HVAC vents indicate central system presence. Primary inspection risks are minor electrical/code items (missing outlet cover, unverified GFCI and detector coverage) and exterior trip hazards (cracked driveway) and weathering to outbuildings. No visible structural collapse, major water intrusion, or severe mold. With targeted fixes (electrical covers, verify/install smoke/CO and GFCIs, driveway repair, paint/patch, verify appliances and mechanicals) the house is likely to pass a Housing Choice Voucher (NSPIRE) initial inspection and be rent-ready within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior is largely cosmetic: recent-looking vinyl plank flooring, painted walls, functioning doors but multiple scuffs, small holes and one visibly damaged door edge. One outlet cover is missing (easy fix). Exterior paint/weathering and cracked driveway are visible. No evidence of collapsed ceilings, large structural cracking, or major finish failure. Kitchen and appliances are not shown; missing or outdated appliances will moderately reduce readiness but are typically capital fixes rather than safety failures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 58.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water). A ceiling-mounted smoke/CO style device is visible in one interior photo (suggests at least one detector), but detector coverage in all required locations is unknown. An outlet cover is missing (exposed electrical hazard). GFCI protection in kitchen/baths cannot be confirmed from photos. Entry door appears secure and a small front handrail exists; however driveway cracks are trip hazards. Overall there are some correctable safety/code items but a few potential NSPIRE failures (missing outlet cover, unknown GFCIs/detector locations) that must be addressed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Supply/return HVAC vents are visible in ceilings indicating central HVAC is present, but no outdoor unit or mechanical room photos were provided so operational status is assumed but unconfirmed. No visible water stains or ceiling sagging to indicate active roof leaks. Electrical panel, water heater and plumbing components are not shown. Given the age (1958) and visual condition, systems likely functional but should be verified and may need service or minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior shows intact siding and continuous brick foundation with crawlspace vents visible. Driveway has significant cracking and some uneven areas (trip hazard). Yard is unkempt with leaf litter; detached carport/garage structure shows weathering and needs repair/painting. Trees are close to the house (leaf/debris risk). No visible standing water, obvious foundation movement, or major roof collapse in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Exposed electrical outlet / missing outlet cover (electrical hazard) visible in bedroom photo.",
"Unverified GFCI protection in kitchen/bath and unknown smoke/CO detector coverage — potential NSPIRE fails if missing.",
"Cracked, uneven driveway creating trip hazards.",
"Detached carport/garage shows visible deterioration and may need structural/maintenance attention."
],
"confidence": 0.72,
"assumptions": [
"Kitchen and bathroom fixtures/appliances are not shown; assumed to be either present but not photographed or replaceable — missing appliances would be a moderate, not catastrophic, readiness issue.",
"At least one ceiling smoke/CO device exists (visible in photos) but full required detector coverage (hallways, each sleeping room) is unknown and assumed incomplete until verified.",
"Central HVAC is present (visible ceiling vents) and assumed operable but no outdoor condensing unit or furnace/photos provided — full mechanical condition assumed unknown and may require service.",
"No visible major roof sagging or foundation movement in photos; roof and foundation are assumed intact though aged and may need maintenance.",
"Electrical panel, water heater and plumbing lines not visible in photos and assumed present and functional unless inspection finds otherwise."
],
"overall_score": 63.0,
"rubric_version": "1.0"
},
{
"summary": "This property is likely to pass an initial HCV/NSPIRE inspection after minor repairs and verification. Primary issues observed are cosmetic and maintenance-related (scuffed walls, doors, cracked driveway) and a small but critical electrical hazard (missing outlet/faceplate) that should be corrected immediately. Major building systems appear present (central HVAC vents visible) and there are no clear signs of structural failure, active leaks, or collapsed elements in the photos. Expect work to make the unit fully inspection-ready to take 7–30 days depending on confirmation/testing of electrical, HVAC, hot water, and installation of required detectors and GFCI protection where missing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior show mostly cosmetic wear and surface repairs: fresh-looking laminate flooring installed, painted walls with scuffs, door edge damage, a few small wall/ceiling blemishes, and cracked concrete driveway. No visible collapsed ceilings, major drywall failure, or widespread deterioration. Missing outlet/faceplate(s) visible (easy fix). Listing says kitchen is functional but kitchen photos not provided; absence of visible major structural defects suggests only minor-to-moderate repair and finishing work is needed prior to move-in."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "Some safety items are visible and acceptable (bedrooms have windows for egress; smoke detector visible in one bedroom; entry door appears secure and there is a metal handrail at front steps). However there are exposed electrical receptacles / missing outlet covers visible in photos (electrical shock hazard and failable on NSPIRE). No photos of bathrooms/kitchen to confirm GFCI, CO alarm, or functional plumbing fixtures/hot water. Roof and ceiling show no obvious active leaks in photos, but lack of full-system photos increases risk. Overall moderate safety risk until minor electrical and verification items are corrected/documented."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 65.0,
"rationale": "Supply/return vents visible in ceilings indicate central HVAC is present; no visible rusted/heavy roof failure, but roof shingles appear aged. No water heater, electrical panel or mechanical equipment photographed. Given age of home (1958) and no evidence of recent major system replacements, assume systems are functional but should be tested. Score reflects likely operable systems but higher uncertainty pending verification and testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior envelope appears intact: siding painted, brick foundation continuous and no obvious large cracks, detached carport in place. Driveway has cracking and surface settling; yard shows leaf/debris buildup and minor erosion on slope. No visible standing water, major foundation settlement or collapsed structures in photos. Some mildew/staining at foundation/brick-waterline noted but repairable. Site issues are mostly cosmetic and drainage grading appears serviceable."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Exposed electrical receptacle(s) / missing outlet covers (electrical shock hazard and likely immediate NSPIRE failure item until fixed)."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is operational (supply/return vents visible) but has not been tested in these photos.",
"Water heater and plumbing are present and produce hot water; no active leaks observed in provided interior photos.",
"Kitchen and bathroom fixtures/appliances exist and are functional as per listing text (kitchen not photographed); if appliances are absent they are assumed non-critical and would reduce score modestly.",
"Smoke detector(s) are present at least in the photographed bedroom; additional detectors (hallway/each sleeping room) may be required and should be verified/installed.",
"No active roof leaks or structural sagging are present beyond what is visible in photos (roof appears aged but intact).",
"Electrical service and panel are intact and up to code beyond the visible missing outlet covers; further electrical inspection may reveal required remediation.",
"No evidence of severe mold, pest infestation, or major foundation movement in available photos."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property is in the 'minor repairs' band for Section 8 readiness. Interior cosmetics are largely done but there are several moderate, addressable items: a missing outlet cover (safety), some drywall/trim repairs, exterior paint/siding and carport repairs, cracked driveway, and verification of appliances and major systems (HVAC, water heater, electrical panel). A housing authority inspection would likely identify electrical outlet covers, GFCI/CO detector requirements (if applicable), and a few exterior repairs; after those fixes and verification of HVAC/water heater operation the home is likely to pass an initial HCV/NSPIRE inspection within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 72.0,
"rationale": "Interior appears recently updated cosmetically (newer-looking laminate flooring, fresh paint) but shows multiple minor defects: scuffs, small holes in drywall, at least one missing outlet cover, and some trim damage. Exterior paint/siding is weathered and the detached carport shows visible deterioration. Listing/photos do not show kitchen appliances or bathrooms — missing/unknown appliances reduce readiness moderately but are not catastrophic. Overall defects look cosmetic/repair-level and should be addressable within a short rehab scope."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 62.0,
"rationale": "A ceiling smoke detector is visible in interior photos (positive). Entry door and small front handrail/landing are present. No visible signs of active leaks, mold, collapsed ceilings, or major structural failure in photos. Safety risks observed: at least one outlet cover missing (exposed electrical point). Carbon monoxide detectors, GFCI in kitchen/baths, deadbolt presence, and egress compliance for all bedrooms cannot be confirmed from photos. Given visible smoke detector and intact ceilings, I judge moderate inspection risk pending verification/repair of outlet covers, GFCI, and CO detectors if required."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Supply/return HVAC vents are visible in several rooms, indicating central HVAC exists (positive). No photos of the HVAC equipment, water heater, electrical panel or plumbing fixtures were provided. Roof appears aged but no obvious sagging or large missing sections are visible from exterior photos. Given the age of the home (1958) and limited system-specific evidence, rate is moderate: likely operational but requires verification (service, water heater check, electrical panel inspection, confirm heating & cooling operation)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site & access",
"score": 56.0,
"rationale": "Lot slopes toward the street; yard is unkempt but not severely overgrown. Driveway has multiple cracks and settlement – potential trip hazard and curb appeal issue. Foundation brick appears intact but shows moisture staining at the base in photos (needs investigation). Detached carport/garage shows visible deterioration and will need repair or removal. Siding/paint is weathered; roof appears aged but no obvious active leaks. Overall exterior needs moderate work before move-in readiness."
},
{
"key": "rental_history_activity",
"label": "Rental history (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"electrical hazard - missing outlet cover / exposed outlet (visible)",
"detached carport shows structural deterioration (repair needed)"
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is functional based on visible supply/return vents; full operation has not been verified.",
"Bathrooms, kitchen appliances, water heater, and electrical panel were not photographed; assume typical condition for a tenant-occupied property unless issues are discovered.",
"No visible active roof leaks or interior water stains were photographed; assume no active leaks but roof age suggests inspection recommended.",
"Smoke detector observed in at least one room; assume additional detectors may be missing or need placement per local code and NSPIRE requirements.",
"No evidence of major structural issues (sagging, collapsed ceilings) in provided photos; assume foundation is intact though staining suggests possible moisture that should be evaluated.",
"Missing outlet cover(s) represent an exposed electrical hazard and are corrected easily; more extensive electrical issues are not visible but could exist behind panels or in unphotographed areas."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2815 Tara Rd, Jackson, MS, 39212",
"aggregate": {
"summary": "This property appears to be in fair condition with mostly cosmetic and moderate deferred-maintenance items. Visible interior finishes are serviceable; HVAC vents indicate central system presence. Primary inspection risks are minor electrical/code items (missing outlet cover, unverified GFCI and detector coverage) and exterior trip hazards (cracked driveway) and weathering to outbuildings. No visible structural collapse, major water intrusion, or severe mold. With targeted fixes (electrical covers, verify/install smoke/CO and GFCIs, driveway repair, paint/patch, verify appliances and mechanicals) the house is likely to pass a Housing Choice Voucher (NSPIRE) initial inspection and be rent-ready within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior is largely cosmetic: recent-looking vinyl plank flooring, painted walls, functioning doors but multiple scuffs, small holes and one visibly damaged door edge. One outlet cover is missing (easy fix). Exterior paint/weathering and cracked driveway are visible. No evidence of collapsed ceilings, large structural cracking, or major finish failure. Kitchen and appliances are not shown; missing or outdated appliances will moderately reduce readiness but are typically capital fixes rather than safety failures."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 63.7,
"rationale": "Exterior shows intact siding and continuous brick foundation with crawlspace vents visible. Driveway has significant cracking and some uneven areas (trip hazard). Yard is unkempt with leaf litter; detached carport/garage structure shows weathering and needs repair/painting. Trees are close to the house (leaf/debris risk). No visible standing water, obvious foundation movement, or major roof collapse in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years) - bonus",
"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 (NSPIRE risk)",
"score": 60.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water). A ceiling-mounted smoke/CO style device is visible in one interior photo (suggests at least one detector), but detector coverage in all required locations is unknown. An outlet cover is missing (exposed electrical hazard). GFCI protection in kitchen/baths cannot be confirmed from photos. Entry door appears secure and a small front handrail exists; however driveway cracks are trip hazards. Overall there are some correctable safety/code items but a few potential NSPIRE failures (missing outlet cover, unknown GFCIs/detector locations) that must be addressed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 61.7,
"rationale": "Supply/return HVAC vents are visible in ceilings indicating central HVAC is present, but no outdoor unit or mechanical room photos were provided so operational status is assumed but unconfirmed. No visible water stains or ceiling sagging to indicate active roof leaks. Electrical panel, water heater and plumbing components are not shown. Given the age (1958) and visual condition, systems likely functional but should be verified and may need service or minor repairs."
}
],
"red_flags": [
"Exposed electrical outlet / missing outlet cover (electrical hazard) visible in bedroom photo.",
"Unverified GFCI protection in kitchen/bath and unknown smoke/CO detector coverage — potential NSPIRE fails if missing.",
"Cracked, uneven driveway creating trip hazards.",
"Detached carport/garage shows visible deterioration and may need structural/maintenance attention."
],
"confidence": 0.87,
"assumptions": [
"Kitchen and bathroom fixtures/appliances are not shown; assumed to be either present but not photographed or replaceable — missing appliances would be a moderate, not catastrophic, readiness issue.",
"At least one ceiling smoke/CO device exists (visible in photos) but full required detector coverage (hallways, each sleeping room) is unknown and assumed incomplete until verified.",
"Central HVAC is present (visible ceiling vents) and assumed operable but no outdoor condensing unit or furnace/photos provided — full mechanical condition assumed unknown and may require service.",
"No visible major roof sagging or foundation movement in photos; roof and foundation are assumed intact though aged and may need maintenance.",
"Electrical panel, water heater and plumbing lines not visible in photos and assumed present and functional unless inspection finds otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 64.9,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7417206417"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.