Property ID: 7421670350
2008 W Northside Dr, Clinton, MS, 39056
Clinton, MS
Money Down: $28,920
CoC Return: 0.17%
Monthly Cash Flow: $4
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,100
Closing Costs
$4,820
Total Down
$28,920
Investment Snapshot
Purchase Price
$120,500
Money Down
$28,920
Cash-on-Cash Return
0.17%
Rent
$867
Monthly Cash Flow
$4
Annual Cash Flow
$48
Debt Service / Mo
$641
Property Tax / Mo
$93
Insurance / Mo
$42
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$867
Payment Standard
$1,260
Rent
$867
Insurance
$42
Property Tax
$93
Management
$87
Utilities Allowance
$393
NOI (Monthly)
$645
Debt Service
$641
Cash Flow After Debt
$4
Quality Score: 64.20%
Confidence: 86.00%
This tenant‑occupied single‑family appears mostly habitable with cosmetic deferred maintenance and some systems showing age. Major life‑safety issues are not evident in the photos, but there are clear inspection risks: an exposed outlet cover (electrical hazard), absent/unclear GFCI and CO protection, and roof/ceiling staining that could indicate leaks. With targeted corrections (secure exposed wiring/outlet covers, verify/install smoke/CO detectors, test HVAC and hot water, patch ceilings and minor cosmetic repairs, address driveway drainage and inspect/repair roof if leaking) the house is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. If roof leaks or electrical panel issues are found on-site the scope and timeline increase.
Section 8 Payment Standard
$1,260
Utility Allowance Total
$393
Guaranteed Section 8 Rent (PS - Utilities)
$867
Property Management
$87
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$120,500
Beds
4
Baths
2
Living Area
1,080 sqft
Lot Size
10,890 sqft
Year Built
1980
Days on Market
82
Capital Outlay
$28,920
Debt Service
$641
Property Tax / Mo
$93
Insurance / Mo
$42
Property Description
!!! PRICE REDUCTION !!! Fantastic Rental Opportunity for Investors! This great 4 bedroom home with 2 baths is in a really sweet location and needs a new owner. This home is currently tenant occupied. Home has a large lot with plenty of space. Call your favorite Realtor for showings. Please allow 24 hours notice of previews.
Utility Allowances
Air Conditioning
$16
Property has Central Air, which is covered under the Air Conditioning allowance.
Cooking
$10
Chosen 'natural_gas' as the property details specify 'Natural Gas Connected'.
Heating
$26
Chosen 'natural_gas' as the property has central heating and is specified as 'Natural Gas Connected'.
Other Electric
$88
Standard allowance for general electricity use not covered by other categories (e.g., lights, outlets).
Range/Microwave
$3
Allowance for a tenant-owned appliance, as a range or microwave is not explicitly listed as provided.
Refrigerator
$4
Allowance for a tenant-owned appliance, as a refrigerator is not explicitly listed as provided.
Sewer
$70
Property details confirm connection to 'Public Sewer'.
Trash Collection
$37
Inferred as a standard required utility service for a single-family home.
Water
$116
Property details confirm connection to a 'Public' water source.
Water Heating
$23
Chosen 'natural_gas' as the property has a water heater and is specified as 'Natural Gas Connected'.
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$492
DP3 Annual Estimate$514
DP1 Monthly Equivalent$41
DP3 Monthly Equivalent$43
Replacement Value$37,110
Basis1,080 sqft / 1980
Nearby Houses
Photo unavailable
120 Larado Dr
sold · 0.16 mi
Price: $105,000
2 bd / 1 ba · 939 sqft
Latest sale: — on May 01, 2024
Latest rent: $850 on Feb 16, 2022
Photo unavailable
103 Glendale St
sold · 0.18 mi
Price: $30,000
3 bd / 2 ba · 1,470 sqft
Latest sale: — on Mar 07, 2025
Latest rent: —
Photo unavailable
5 Southern Trace Blvd Lot 5
sold · 0.50 mi
Price: $110,775
— bd / — ba
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Exposed outlet / missing outlet cover (electrical hazard) visible in bedroom — requires immediate correction.
- Roof shows age and staining near roof penetrations; interior ceiling has minor staining — possible active or previous leak that must be evaluated.
- No visible GFCI outlets in kitchen/bath photos and CO detector not shown — code/safety items likely required.
- Standing water/puddling on driveway indicating drainage issues that can create trip or pest problems and may exacerbate foundation/entry moisture.
Assumptions
- Photos are recent and representative of current condition.
- Central HVAC is present and vents shown are connected to a functioning system (operation not verified).
- Water heater, electrical panel and utility connections exist but were not photographed; their condition is unknown.
- Appliances shown (stove, refrigerator) are assumed present and operable unless tested during inspection.
- The round device visible in a common area is assumed to be a smoke detector but its location/operability and presence of CO detector are unconfirmed.
- No evidence of major foundation movement or collapsed structural members in provided photos; unseen areas (attic, crawlspace) may have additional issues.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,084 | $47,110 | $7,067 |
| 2023 | $1,074 | $47,110 | $7,067 |
| 2021 | $1,074 | $47,110 | $7,067 |
| 2020 | $1,054 | $46,580 | $6,987 |
| 2019 | $1,076 | $46,580 | $6,987 |
| 2018 | $1,076 | $46,580 | $6,987 |
| 2017 | $1,076 | $46,580 | $6,987 |
| 2016 | $1,035 | $46,580 | $6,987 |
| 2015 | $999 | $45,080 | $6,762 |
| 2014 | $999 | $45,080 | $6,762 |
| 2013 | $960 | $45,080 | $6,762 |
| 2012 | $939 | $45,080 | $6,762 |
| 2011 | $892 | $43,830 | $6,575 |
| 2010 | $858 | $43,830 | $6,575 |
| 2009 | $873 | $44,600 | $6,690 |
| 2008 | $873 | $41,180 | $6,177 |
| 2007 | $818 | $41,180 | $6,177 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-11 | Price Changed | $120,500 |
| 2025-11-26 | Listed | $129,600 |
| 2019-05-01 | Listing removed | $0 |
| 2018-04-25 | Listed | $495,000 |
Photo Gallery
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"land": 1500,
"total": 6762,
"building": 5262
}
},
{
"tax": 999,
"year": 2014,
"market": {
"land": 10000,
"total": 45080,
"building": 35080
},
"assessment": {
"land": 1500,
"total": 6762,
"building": 5262
}
},
{
"tax": 960,
"year": 2013,
"market": {
"land": 10000,
"total": 45080,
"building": 35080
},
"assessment": {
"land": 1500,
"total": 6762,
"building": 5262
}
},
{
"tax": 939,
"year": 2012,
"market": {
"land": 10000,
"total": 45080,
"building": 35080
},
"assessment": {
"land": 1500,
"total": 6762,
"building": 5262
}
},
{
"tax": 892,
"year": 2011,
"market": {
"land": 10000,
"total": 43830,
"building": 33830
},
"assessment": {
"land": 1500,
"total": 6575,
"building": 5075
}
},
{
"tax": 858,
"year": 2010,
"market": {
"land": 10000,
"total": 43830,
"building": 33830
},
"assessment": {
"land": 1500,
"total": 6575,
"building": 5075
}
},
{
"tax": 873,
"year": 2009,
"market": {
"land": 10000,
"total": 44600,
"building": 34600
},
"assessment": {
"land": 1500,
"total": 6690,
"building": 5190
}
},
{
"tax": 873,
"year": 2008,
"market": {
"land": 7500,
"total": 41180,
"building": 33680
},
"assessment": {
"land": 1125,
"total": 6177,
"building": 5052
}
},
{
"tax": 818,
"year": 2007,
"market": {
"land": 7500,
"total": 41180,
"building": 33680
},
"assessment": {
"land": 1125,
"total": 6177,
"building": 5052
}
}
],
"property_history": [
{
"date": "2025-12-11",
"price": 120500,
"listing": {
"status": "for_sale",
"list_date": "2025-11-26T21:24:34Z",
"list_price": 120500,
"listing_id": "2989028532",
"last_update_date": "2025-12-11T18:19:43Z",
"last_status_change_date": "2025-11-26T21:24:34Z"
},
"event_name": "Price Changed",
"price_sqft": 111.57407407407408,
"source_name": "MLSUnited",
"price_change": -9100,
"days_after_listed": null,
"source_listing_id": "4132628",
"price_change_percentage": null
},
{
"date": "2025-11-26",
"price": 129600,
"listing": {
"status": "for_sale",
"list_date": "2025-11-26T21:24:34Z",
"list_price": 120500,
"listing_id": "2989028532",
"last_update_date": "2025-12-11T18:19:43Z",
"last_status_change_date": "2025-11-26T21:24:34Z"
},
"event_name": "Listed",
"price_sqft": 120,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4132628",
"price_change_percentage": null
},
{
"date": "2019-05-01",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2018-04-25T15:25:38Z",
"list_price": 495000,
"listing_id": "632500055",
"last_update_date": "2018-08-02T20:12:04Z",
"last_status_change_date": "2019-05-01T06:08:46Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "371 days",
"source_listing_id": "307957",
"price_change_percentage": null
},
{
"date": "2018-04-25",
"price": 495000,
"listing": {
"status": "off_market",
"list_date": "2018-04-25T15:25:38Z",
"list_price": 495000,
"listing_id": "632500055",
"last_update_date": "2018-08-02T20:12:04Z",
"last_status_change_date": "2019-05-01T06:08:46Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "307957",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7421670350",
"generated_at": "2026-02-16T22:12:29.192407Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.2
},
"utility_allowance": {
"zip_code": "39056",
"home_photo": "https://ap.rdcpix.com/42f68423897b16ab49d0c73c7c11ae2fl-m414575937s-w1280.jpg",
"rent_price": 867.0,
"loan_amount": 96400.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2008-W-Northside-Dr_Clinton_MS_39056_M74216-70350",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 120500.0,
"loan_term_years": 30,
"annual_cash_flow": 7744.08,
"mortgage_monthly": 641.35,
"payment_standard": 1260.0,
"total_amount_out": 24100.0,
"additional_photos": [
"https://ap.rdcpix.com/42f68423897b16ab49d0c73c7c11ae2fl-m3436219543s-w1280.jpg",
"https://ap.rdcpix.com/42f68423897b16ab49d0c73c7c11ae2fl-m3244104507s-w1280.jpg",
"https://ap.rdcpix.com/42f68423897b16ab49d0c73c7c11ae2fl-m755368074s-w1280.jpg",
"https://ap.rdcpix.com/42f68423897b16ab49d0c73c7c11ae2fl-m2335228544s-w1280.jpg",
"https://ap.rdcpix.com/42f68423897b16ab49d0c73c7c11ae2fl-m2236738320s-w1280.jpg",
"https://ap.rdcpix.com/42f68423897b16ab49d0c73c7c11ae2fl-m823459114s-w1280.jpg",
"https://ap.rdcpix.com/42f68423897b16ab49d0c73c7c11ae2fl-m821491812s-w1280.jpg",
"https://ap.rdcpix.com/42f68423897b16ab49d0c73c7c11ae2fl-m2017206141s-w1280.jpg",
"https://ap.rdcpix.com/42f68423897b16ab49d0c73c7c11ae2fl-m582856639s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 41.92,
"monthly_cash_flow": 645.34,
"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 Air, which is covered under the Air Conditioning allowance.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Chosen 'natural_gas' as the property details specify 'Natural Gas Connected'.",
"utility": "Cooking",
"allowance": 10
},
{
"note": "Chosen 'natural_gas' as the property has central heating and is specified as 'Natural Gas Connected'.",
"utility": "Heating",
"allowance": 26
},
{
"note": "Standard allowance for general electricity use not covered by other categories (e.g., lights, outlets).",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Allowance for a tenant-owned appliance, as a range or microwave is not explicitly listed as provided.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Allowance for a tenant-owned appliance, as a refrigerator is not explicitly listed as provided.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Property details confirm connection to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Inferred as a standard required utility service for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property details confirm connection to a 'Public' water source.",
"utility": "Water",
"allowance": 116
},
{
"note": "Chosen 'natural_gas' as the property has a water heater and is specified as 'Natural Gas Connected'.",
"utility": "Water Heating",
"allowance": 23
}
],
"cash_on_cash_return": 0.32,
"down_payment_amount": 24100.0,
"property_tax_annual": 1116.52,
"property_tax_monthly": 93.04,
"property_tax_increase": 0.03,
"utility_allowance_total": 393.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.hudexchange.info/programs/hcv/payment-standards/",
"https://www.huduser.gov/portal/datasets/fmr.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": 47.86,
"property_management_monthly": 86.7,
"monthly_cash_flow_after_debt": 3.99,
"cash_on_cash_return_after_debt": 0.0
},
"section8_assessment": {
"runs": [
{
"summary": "This tenant‑occupied single‑family appears mostly habitable with cosmetic deferred maintenance and some systems showing age. Major life‑safety issues are not evident in the photos, but there are clear inspection risks: an exposed outlet cover (electrical hazard), absent/unclear GFCI and CO protection, and roof/ceiling staining that could indicate leaks. With targeted corrections (secure exposed wiring/outlet covers, verify/install smoke/CO detectors, test HVAC and hot water, patch ceilings and minor cosmetic repairs, address driveway drainage and inspect/repair roof if leaking) the house is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. If roof leaks or electrical panel issues are found on-site the scope and timeline increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior is lived-in but largely intact. Tile floors appear serviceable, cabinets and countertops show wear and at least one vanity cabinet front is missing. Walls have scuffs, small holes/peeling paint in bedrooms. Appliances (stove, refrigerator) are present in photos. Overall repair items appear cosmetic and moderate; missing cabinet door and surface repairs plus minor maintenance reduce score but are not structural."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 55.0,
"rationale": "Some safety items visible or likely: a round alarm-like device is visible on a common wall (possible smoke detector), but carbon monoxide detector presence is not shown. There is at least one missing outlet cover visible at a bedroom window (exposed electrical hazard). GFCI outlets in kitchen/bath are not visible. No obvious severe mold, active roof collapse, or major obstructed egress observed. Standing water on the driveway/poor drainage and visible roof staining (and minor interior ceiling staining) raise potential leak concerns. Taken together this produces moderate inspection risk that would likely require correction items before approval."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Ceiling HVAC vents and thermostat are visible indicating central HVAC is present; no evidence HVAC is non-functional but operation not verified. Water heater and electrical panel are not shown. Roof appears aged with stains near vents that could indicate past or potential leaks. Plumbing fixtures appear present and functional in photos, but water heater/hot water not verifiable. Overall systems appear present but aged and would require functional verification and possible minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior brick envelope looks intact with no visible foundation displacement or major wall damage. Roof shows age and staining. Driveway has a significant puddle indicating drainage issues; lawn and walkways are generally passable. No visible signs of infestation or severe exterior neglect. Exterior items are mostly moderate repairs (drainage correction, roof inspection) rather than immediate structural failure."
}
],
"red_flags": [
"Exposed outlet / missing outlet cover (electrical hazard) visible in bedroom — requires immediate correction.",
"Roof shows age and staining near roof penetrations; interior ceiling has minor staining — possible active or previous leak that must be evaluated.",
"No visible GFCI outlets in kitchen/bath photos and CO detector not shown — code/safety items likely required.",
"Standing water/puddling on driveway indicating drainage issues that can create trip or pest problems and may exacerbate foundation/entry moisture."
],
"confidence": 0.6,
"assumptions": [
"Photos are recent and representative of current condition.",
"Central HVAC is present and vents shown are connected to a functioning system (operation not verified).",
"Water heater, electrical panel and utility connections exist but were not photographed; their condition is unknown.",
"Appliances shown (stove, refrigerator) are assumed present and operable unless tested during inspection.",
"The round device visible in a common area is assumed to be a smoke detector but its location/operability and presence of CO detector are unconfirmed.",
"No evidence of major foundation movement or collapsed structural members in provided photos; unseen areas (attic, crawlspace) may have additional issues."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this single-story 4-bed/2-bath brick home appears structurally intact and likely can pass an initial HCV/NSPIRE inspection after addressing several minor-to-moderate items. Primary near-term actions: correct exposed electrical outlet/cover plates, verify and install smoke detectors/CO alarms per local code, confirm GFCI protection in kitchen/bath, repair/secure damaged cabinet/vanity, touch-up paint and fix small wall holes, and address driveway/site drainage ponding. Mechanical verification (HVAC, water heater, electrical panel) is recommended before listing for voucher tenancy. With the fixes above the property is likely rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows general wear but no catastrophic damage. Tile floors intact, ceiling and walls mostly sound; some cosmetic issues visible (scuffed/peeled paint, small wall damage, cabinet door missing or hanging, clutter). Kitchen appliances (range and refrigerator) are present but cabinets and counters show wear. Exterior brick and roof appear aged but intact. These are mostly cosmetic/repair items that can be addressed with routine maintenance and minor carpentry/paint work."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 65.0,
"rationale": "Some safety items visible: a smoke detector is visible in a common area, and entry door appears to have a deadbolt; vents indicate central HVAC. However an exposed/unfinished electrical outlet is visible in a bedroom (electrical hazard) and several outlet/switch covers are not clearly shown — these are immediate fix items. GFCI presence in kitchen/bath is not visible. No visible severe mold, active leaks, collapsed ceilings, broken stairs, or missing guardrails. Bedroom egress windows appear present but window sizes cannot be measured from photos. Overall moderate risk: several mandatory small corrections likely required before inspection (cover plates, GFCI check, confirm smoke/CO detectors in required locations)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Major systems show mixed evidence: HVAC registers/vents visible suggesting central air, kitchen appliances present and plumbing fixtures appear functional in photos. Electrical panel, water heater, and heating function are not shown. Roof appears aged (shingle discoloration) but no visible sagging or active leaks in interior photos. Given tenant-occupied state and lack of system documentation, a conservative mid-level score is assigned — likely operational but should be verified and serviced (HVAC service, electrical panel check, water heater test)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brick walls look sound and the lot is large and maintained. Driveway has cracking and a notable puddle/standing water at the front — indicates poor drainage that may need grading or gutter/downspout work. Roof shows aging shingles but no visible collapse. No evidence of foundation displacement, heavy exterior neglect or infestation in provided photos. Overall a generally serviceable exterior with a couple of site drainage/driveway repairs recommended."
}
],
"red_flags": [
"Exposed/unfinished electrical outlet observed in bedroom (electrical hazard requiring immediate repair).",
"Standing water in front driveway/ponding at curb (site drainage issue; standing water noted).",
"Missing/unclear GFCI protection in kitchen/bath and unverified smoke/CO coverage in all required locations (potential NSPIRE fail points until confirmed)."
],
"confidence": 0.7,
"assumptions": [
"Photos represent current condition; property is tenant-occupied per listing and some damage may be obscured by possessions.",
"Central HVAC is present and vents are functional (visible vents in photos) but system operation and age are unknown and should be tested.",
"Water heater and main electrical panel exist but are not shown; assumed functional until inspection proves otherwise.",
"Windows visible in bedrooms provide egress typical for houses of this era — sizes not measured from photos and must be confirmed during inspection.",
"No evidence of active roof leaks was visible inside; roof is aged but assumed weathertight in short-term absent further evidence.",
"Appliances observed (refrigerator, range) are functional but should be tested; missing small fixtures (outlet covers, cabinet doors) are easy-to-fix items."
],
"overall_score": 68.0,
"rubric_version": "2024-NSPIRE-v1"
},
{
"summary": "This tenant-occupied 4-bed, 2-bath brick single-family appears structurally intact and likely can pass a Housing Choice Voucher/NSPIRE inspection after addressing a handful of moderate issues. Primary concerns are electrical safety (an uncovered outlet and uncertain GFCI protection), minor plumbing/fixture and cabinetry repairs, and exterior drainage at the driveway. Smoke detector presence is noted; HVAC and other major systems appear present but should be verified for operation. With focused, short-term repairs (electrical cover/GFCI, secure exterior lock if required, bathroom vanity repair, patch/paint, correct drainage), the property is likely rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 65.0,
"rationale": "Interior is lived-in but structurally intact. Tile floors appear serviceable, walls have scuffs, small holes and chipped trim, and cabinetry/vanity show visible wear and missing doors/drawers. Kitchen appliances (stove, refrigerator) are present but cabinets and counters show moderate deferred maintenance. These are largely cosmetic/medium-effort repairs and replacement of some cabinet hardware and fixtures; missing or damaged cabinet doors and vanity should be repaired but are not structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "A smoke detector is visible in the hallway (good). However, an uncovered electrical outlet is visible in a bedroom (electrical shock hazard) and GFCI protection for kitchen/bath is not evident from photos — possible inspection failure. Exterior door lock appears to be a knob lock; no visible deadbolt (may be acceptable locally but increases risk). No visible active water intrusion or major mold; ceilings appear intact. Standing water on driveway indicates drainage/ trip/hazard potential to address. Overall several code-related items likely require straightforward fixes but are inspection risks until corrected."
},
{
"key": "systems_mechanical",
"label": "Mechanical systems and major systems condition",
"score": 60.0,
"rationale": "Central HVAC vents and return are visible, indicating a forced-air system is present but functionality not verified. Roof appears aged but not visibly sagging or actively leaking from interior photos. Water heater, electrical panel and plumbing access not shown. Kitchen appliances present (stove, fridge). Because major systems are present with no visible catastrophic issues but lack direct verification of operation or service records, treat as moderate risk: may need servicing or minor system repairs."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard condition",
"score": 70.0,
"rationale": "Single-story brick exterior looks generally intact with no obvious foundation movement or sagging. Roof shingles look aged/discolored but without visible failure. Driveway and front yard show standing water puddle indicating poor drainage/grading that should be corrected to avoid ongoing issues. Walkway and yard are usable; landscaping minimal. No obvious infestation or collapsed structures visible."
}
],
"red_flags": [
"Exposed/uncovered electrical outlet visible in bedroom (electrical shock hazard).",
"Standing water pooling on driveway in front of home (drainage/trip hazard).",
"No visible GFCI-protected outlets in kitchen/bath from photos (potential NSPIRE fail).",
"Exterior entry appears to have only a knob lock and no visible deadbolt (security/lock requirement uncertainty)."
],
"confidence": 0.75,
"assumptions": [
"Smoke detector visible in hallway is present and functional; additional detectors in bedrooms may be present but not visible in all photos.",
"Central HVAC system exists (visible vents) and is operational or serviceable; operation has not been verified in photos.",
"Water heater and electrical panel exist but were not photographed; assumed typical location in closet/utility area and accessible.",
"Bedrooms have egress windows of code-acceptable size; window dimensions not confirmed from photos.",
"Kitchen and bathroom outlets may lack visible GFCI — assume GFCI protection is not present unless verified.",
"No active roof leaks are present (no interior water stains seen in photos).",
"Tenant-occupied status may limit full inspection access and conceal some issues behind furnishings."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2008 W Northside Dr, Clinton, MS, 39056",
"aggregate": {
"summary": "This tenant‑occupied single‑family appears mostly habitable with cosmetic deferred maintenance and some systems showing age. Major life‑safety issues are not evident in the photos, but there are clear inspection risks: an exposed outlet cover (electrical hazard), absent/unclear GFCI and CO protection, and roof/ceiling staining that could indicate leaks. With targeted corrections (secure exposed wiring/outlet covers, verify/install smoke/CO detectors, test HVAC and hot water, patch ceilings and minor cosmetic repairs, address driveway drainage and inspect/repair roof if leaking) the house is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. If roof leaks or electrical panel issues are found on-site the scope and timeline increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 66.7,
"rationale": "Interior is lived-in but largely intact. Tile floors appear serviceable, cabinets and countertops show wear and at least one vanity cabinet front is missing. Walls have scuffs, small holes/peeling paint in bedrooms. Appliances (stove, refrigerator) are present in photos. Overall repair items appear cosmetic and moderate; missing cabinet door and surface repairs plus minor maintenance reduce score but are not structural."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 71.7,
"rationale": "Exterior brick envelope looks intact with no visible foundation displacement or major wall damage. Roof shows age and staining. Driveway has a significant puddle indicating drainage issues; lawn and walkways are generally passable. No visible signs of infestation or severe exterior neglect. Exterior items are mostly moderate repairs (drainage correction, roof inspection) rather than immediate structural failure."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 58.3,
"rationale": "Some safety items visible or likely: a round alarm-like device is visible on a common wall (possible smoke detector), but carbon monoxide detector presence is not shown. There is at least one missing outlet cover visible at a bedroom window (exposed electrical hazard). GFCI outlets in kitchen/bath are not visible. No obvious severe mold, active roof collapse, or major obstructed egress observed. Standing water on the driveway/poor drainage and visible roof staining (and minor interior ceiling staining) raise potential leak concerns. Taken together this produces moderate inspection risk that would likely require correction items before approval."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 61.7,
"rationale": "Ceiling HVAC vents and thermostat are visible indicating central HVAC is present; no evidence HVAC is non-functional but operation not verified. Water heater and electrical panel are not shown. Roof appears aged with stains near vents that could indicate past or potential leaks. Plumbing fixtures appear present and functional in photos, but water heater/hot water not verifiable. Overall systems appear present but aged and would require functional verification and possible minor repairs."
}
],
"red_flags": [
"Exposed outlet / missing outlet cover (electrical hazard) visible in bedroom — requires immediate correction.",
"Roof shows age and staining near roof penetrations; interior ceiling has minor staining — possible active or previous leak that must be evaluated.",
"No visible GFCI outlets in kitchen/bath photos and CO detector not shown — code/safety items likely required.",
"Standing water/puddling on driveway indicating drainage issues that can create trip or pest problems and may exacerbate foundation/entry moisture."
],
"confidence": 0.86,
"assumptions": [
"Photos are recent and representative of current condition.",
"Central HVAC is present and vents shown are connected to a functioning system (operation not verified).",
"Water heater, electrical panel and utility connections exist but were not photographed; their condition is unknown.",
"Appliances shown (stove, refrigerator) are assumed present and operable unless tested during inspection.",
"The round device visible in a common area is assumed to be a smoke detector but its location/operability and presence of CO detector are unconfirmed.",
"No evidence of major foundation movement or collapsed structural members in provided photos; unseen areas (attic, crawlspace) may have additional issues."
],
"score_method": "mean_of_criteria",
"overall_score": 64.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7421670350"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.