Property ID: 7441899735
2971 Kentwood Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $14,376
CoC Return: 66.42%
Monthly Cash Flow: $796
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$11,980
Closing Costs
$2,396
Total Down
$14,376
Investment Snapshot
Purchase Price
$59,900
Money Down
$14,376
Cash-on-Cash Return
66.42%
Rent
$1,341
Monthly Cash Flow
$796
Annual Cash Flow
$9,548
Debt Service / Mo
$319
Property Tax / Mo
$60
Insurance / Mo
$32
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,341
Payment Standard
$1,790
Rent
$1,341
Insurance
$32
Property Tax
$60
Management
$134
Utilities Allowance
$449
NOI (Monthly)
$1,114
Debt Service
$319
Cash Flow After Debt
$796
Quality Score: 66.40%
Confidence: 95.00%
This 4BR/2BA appears moderately turned-over and likely passable after targeted repairs. Major systems (HVAC and water heater) are present and look serviceable; interior and exterior show cosmetic wear, missing kitchen appliances, and likely missing/insufficient life-safety devices (smoke/CO detectors, GFCI). With 1–3 weeks of focused repairs (install detectors, install/verify GFCI, add stove/fridge or ensure safe hookups, clean/caulk bathroom, replace blinds, address minor cabinet and trim repairs) the property should be Section 8/NSPIRE ready. A short verification of roof, electrical panel location/service, and egress window dimensions is recommended.
Section 8 Payment Standard
$1,790
Utility Allowance Total
$449
Guaranteed Section 8 Rent (PS - Utilities)
$1,341
Property Management
$134
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$59,900
Beds
4
Baths
2
Living Area
1,532 sqft
Lot Size
9,148 sqft
Year Built
1959
Days on Market
221
Capital Outlay
$14,376
Debt Service
$319
Property Tax / Mo
$60
Insurance / Mo
$32
Property Description
Great buy on this spacious 4br/2ba with two living areas. Den has a fireplace. Sold in as is condition. Call your agent today!
Utility Allowances
Air Conditioning
$16
Property has central air conditioning.
Cooking
$14
Cooking fuel is not specified. Electric was chosen as the most common and conservative option in the absence of explicit information about natural gas availability.
Heating
$64
Heating type is listed as 'Central'. Without a specific fuel type, 'Electric' is selected as a conservative choice over 'Natural Gas' as it is the more expensive option.
Other Electric
$88
Standard allowance for general electricity usage in a residential property (lights, outlets, etc.).
Range/Microwave
$3
Property does not explicitly state that a range or microwave is provided, so it is assumed to be tenant-owned.
Refrigerator
$4
Property does not explicitly state that a refrigerator is provided, so it is assumed to be tenant-owned.
Sewer
$70
Property details explicitly state connection to a public sewer system.
Trash Collection
$37
Standard allowance for municipal trash collection for a single-family home.
Water
$116
Property details explicitly state connection to a public water source.
Water Heating
$37
Water heater fuel is not specified. Electric was chosen as the most common and conservative option in the absence of explicit information about natural gas availability.
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$521
DP1 Monthly Equivalent$21
DP3 Monthly Equivalent$43
Replacement Value$12,130
Basis1,532 sqft / 1959
Nearby Houses
Photo unavailable
2998 Kentwood Dr
sold · 0.05 mi
Price: $22,900
3 bd / 1 ba · 1,069 sqft
Latest sale: — on Dec 28, 2023
Latest rent: $1,100 on Dec 17, 2024
Photo unavailable
1676 Smallwood St
for_sale · 0.09 mi
Price: $29,900
3 bd / 1 ba · 1,719 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1614 Woody Dr
off_market · 0.09 mi
Price: $44,500
3 bd / 1 ba · 1,080 sqft
Latest sale: —
Latest rent: $800 on Sep 19, 2019
Photo unavailable
1660 Smallwood St
off_market · 0.09 mi
Price: $77,500
4 bd / 3 ba · 2,389 sqft
Latest sale: — on Jun 20, 2012
Latest rent: —
Photo unavailable
1501 Woody Dr
sold · 0.10 mi
Price: $51,000
3 bd / 1 ba · 1,056 sqft
Latest sale: — on Oct 07, 2022
Latest rent: $1,340 on Oct 23, 2022
Photo unavailable
1308 Wooddell Dr
for_sale · 0.11 mi
Price: $190,000
3 bd / 2 ba · 1,914 sqft
Latest sale: — on Nov 21, 2025
Latest rent: —
Photo unavailable
1641 Woodburn St
sold · 0.13 mi
Price: $67,000
3 bd / 1 ba · 998 sqft
Latest sale: — on Jan 06, 2023
Latest rent: $1,487 on Oct 29, 2025
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in photos — immediate fail risk if absent or nonfunctional.
- No visible GFCI protection in kitchen/bath — potential code failure (install required).
- Kitchen missing major appliances (stove and refrigerator) — inspection may allow absence but landlord responsibility to provide per lease/local rules; will delay move-in.
- Blinds/windows damaged and some interior trim/cabinetry missing — trip/safety/egress issues if windows obstructed or inoperable (blinds broken but not critical).
Assumptions
- Utilities (water, gas, electric) are available and can be turned on for testing; photos were taken with utilities off or on but functionality is assumed for HVAC/water heater based on visible equipment.
- The visible HVAC and water heater are operational; their age/installation appear recent but no test data was provided.
- No smoke detectors or CO alarms are present unless not shown in photos; I assume none are installed or working based on absence in images.
- Kitchen is missing a stove and refrigerator; visible hookups indicate appliances were removed and need replacement.
- Electrical panel, breaker labeling, and service grounding are not shown and are assumed typical but must be verified on inspection.
- Bedroom windows provide egress-sized openings typical for a 1959 single-story house, but exact dimensions/clearances were not measured and must be confirmed.
- No evidence of major structural movement, roof leaks, or severe mold was visible in photos; if on-site inspection reveals signs, score would change significantly.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $699 | $24,130 | $3,620 |
| 2023 | $696 | $24,130 | $3,620 |
| 2021 | $696 | $24,130 | $3,620 |
| 2020 | $682 | $23,800 | $3,570 |
| 2019 | $683 | $23,800 | $3,570 |
| 2018 | $675 | $23,800 | $3,570 |
| 2017 | $676 | $23,800 | $3,570 |
| 2016 | $658 | $23,800 | $3,570 |
| 2015 | $634 | $23,630 | $3,545 |
| 2014 | $633 | $23,630 | $3,545 |
| 2013 | $616 | $23,630 | $3,545 |
| 2012 | $616 | $23,630 | $3,545 |
| 2011 | $580 | $22,570 | $3,386 |
| 2010 | $576 | $22,570 | $3,386 |
| 2009 | $1,261 | $49,360 | $7,404 |
| 2008 | $1,261 | $42,040 | $6,306 |
| 2007 | $1,085 | $42,040 | $6,306 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2012-11-05 | Sold | — |
Photo Gallery
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"last_status_change_date": "2026-02-10T21:24:39Z"
},
"event_name": "Listed",
"price_sqft": 61.945169712793735,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4118834",
"price_change_percentage": null
},
{
"date": "2013-10-27",
"price": 60000,
"listing": {
"status": "off_market",
"list_date": "2013-08-29T13:03:09Z",
"list_price": 60000,
"listing_id": "573172059",
"last_update_date": "2013-10-28T01:09:44Z",
"last_status_change_date": "2013-10-28T01:09:44Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "59 days",
"source_listing_id": "256419",
"price_change_percentage": null
},
{
"date": "2013-08-29",
"price": 60000,
"listing": {
"status": "off_market",
"list_date": "2013-08-29T13:03:09Z",
"list_price": 60000,
"listing_id": "573172059",
"last_update_date": "2013-10-28T01:09:44Z",
"last_status_change_date": "2013-10-28T01:09:44Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "256419",
"price_change_percentage": null
},
{
"date": "2012-10-04",
"price": 4000,
"listing": {
"status": "off_market",
"list_date": "2012-09-22T17:18:00Z",
"list_price": 4000,
"listing_id": "556342215",
"last_update_date": "2012-10-04T16:53:00Z",
"last_status_change_date": "2012-10-04T16:53:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "12 days",
"source_listing_id": "246063",
"price_change_percentage": null
},
{
"date": "2012-09-22",
"price": 4000,
"listing": {
"status": "off_market",
"list_date": "2012-09-22T17:18:00Z",
"list_price": 4000,
"listing_id": "556342215",
"last_update_date": "2012-10-04T16:53:00Z",
"last_status_change_date": "2012-10-04T16:53:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "246063",
"price_change_percentage": null
},
{
"date": "2012-03-26",
"price": 13500,
"listing": {
"status": "off_market",
"list_date": "2011-12-01T22:41:00Z",
"list_price": 13500,
"listing_id": "543096251",
"last_update_date": "2012-05-03T21:55:00Z",
"last_status_change_date": "2012-03-26T16:58:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "237254",
"price_change_percentage": null
},
{
"date": "2012-02-27",
"price": 13500,
"listing": {
"status": "off_market",
"list_date": "2011-12-01T22:41:00Z",
"list_price": 13500,
"listing_id": "543096251",
"last_update_date": "2012-05-03T21:55:00Z",
"last_status_change_date": "2012-03-26T16:58:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -400,
"days_after_listed": null,
"source_listing_id": "237254",
"price_change_percentage": null
},
{
"date": "2012-02-26",
"price": 13900,
"listing": {
"status": "off_market",
"list_date": "2011-12-01T22:41:00Z",
"list_price": 13500,
"listing_id": "543096251",
"last_update_date": "2012-05-03T21:55:00Z",
"last_status_change_date": "2012-03-26T16:58:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "237254",
"price_change_percentage": null
},
{
"date": "2012-02-15",
"price": 13900,
"listing": {
"status": "off_market",
"list_date": "2011-12-01T22:41:00Z",
"list_price": 13500,
"listing_id": "543096251",
"last_update_date": "2012-05-03T21:55:00Z",
"last_status_change_date": "2012-03-26T16:58:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -1100,
"days_after_listed": null,
"source_listing_id": "237254",
"price_change_percentage": null
},
{
"date": "2012-01-12",
"price": 15000,
"listing": {
"status": "off_market",
"list_date": "2011-12-01T22:41:00Z",
"list_price": 13500,
"listing_id": "543096251",
"last_update_date": "2012-05-03T21:55:00Z",
"last_status_change_date": "2012-03-26T16:58:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -1400,
"days_after_listed": null,
"source_listing_id": "237254",
"price_change_percentage": null
},
{
"date": "2012-01-06",
"price": 16400,
"listing": {
"status": "off_market",
"list_date": "2011-12-01T22:41:00Z",
"list_price": 13500,
"listing_id": "543096251",
"last_update_date": "2012-05-03T21:55:00Z",
"last_status_change_date": "2012-03-26T16:58:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "237254",
"price_change_percentage": null
},
{
"date": "2011-12-28",
"price": 16400,
"listing": {
"status": "off_market",
"list_date": "2011-12-01T22:41:00Z",
"list_price": 13500,
"listing_id": "543096251",
"last_update_date": "2012-05-03T21:55:00Z",
"last_status_change_date": "2012-03-26T16:58:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "27 days",
"source_listing_id": "237254",
"price_change_percentage": null
},
{
"date": "2011-12-01",
"price": 16400,
"listing": {
"status": "off_market",
"list_date": "2011-12-01T22:41:00Z",
"list_price": 13500,
"listing_id": "543096251",
"last_update_date": "2012-05-03T21:55:00Z",
"last_status_change_date": "2012-03-26T16:58:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "237254",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7441899735",
"generated_at": "2026-02-16T23:21:33.821701Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.4
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/31712c41357d6182a7eaad710e943283l-m370279759s-w1280.jpg",
"rent_price": 1341.0,
"loan_amount": 47920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2971-Kentwood-Dr_Jackson_MS_39212_M74418-99735",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 59900.0,
"loan_term_years": 30,
"annual_cash_flow": 13373.83,
"mortgage_monthly": 318.81,
"payment_standard": 1790.0,
"total_amount_out": 11980.0,
"additional_photos": [
"https://ap.rdcpix.com/31712c41357d6182a7eaad710e943283l-m1307803881s-w1280.jpg",
"https://ap.rdcpix.com/31712c41357d6182a7eaad710e943283l-m1213445427s-w1280.jpg",
"https://ap.rdcpix.com/31712c41357d6182a7eaad710e943283l-m237679562s-w1280.jpg",
"https://ap.rdcpix.com/31712c41357d6182a7eaad710e943283l-m1254825833s-w1280.jpg",
"https://ap.rdcpix.com/31712c41357d6182a7eaad710e943283l-m1001756887s-w1280.jpg",
"https://ap.rdcpix.com/31712c41357d6182a7eaad710e943283l-m1770746883s-w1280.jpg",
"https://ap.rdcpix.com/31712c41357d6182a7eaad710e943283l-m2513242952s-w1280.jpg",
"https://ap.rdcpix.com/31712c41357d6182a7eaad710e943283l-m1785357353s-w1280.jpg",
"https://ap.rdcpix.com/31712c41357d6182a7eaad710e943283l-m1807278614s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 32.42,
"monthly_cash_flow": 1114.49,
"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 conditioning.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Cooking fuel is not specified. Electric was chosen as the most common and conservative option in the absence of explicit information about natural gas availability.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Heating type is listed as 'Central'. Without a specific fuel type, 'Electric' is selected as a conservative choice over 'Natural Gas' as it is the more expensive option.",
"utility": "Heating",
"allowance": 64
},
{
"note": "Standard allowance for general electricity usage in a residential property (lights, outlets, etc.).",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Property does not explicitly state that a range or microwave is provided, so it is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Property does not explicitly state that a refrigerator is provided, so it is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Property details explicitly state connection to a public sewer system.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Standard allowance for municipal trash collection for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property details explicitly state connection to a public water source.",
"utility": "Water",
"allowance": 116
},
{
"note": "Water heater fuel is not specified. Electric was chosen as the most common and conservative option in the absence of explicit information about natural gas availability.",
"utility": "Water Heating",
"allowance": 37
}
],
"cash_on_cash_return": 1.12,
"down_payment_amount": 11980.0,
"property_tax_annual": 719.97,
"property_tax_monthly": 60.0,
"property_tax_increase": 0.03,
"utility_allowance_total": 449.0,
"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": 9548.07,
"property_management_monthly": 134.1,
"monthly_cash_flow_after_debt": 795.67,
"cash_on_cash_return_after_debt": 0.8
},
"section8_assessment": {
"runs": [
{
"summary": "This 4BR/2BA appears moderately turned-over and likely passable after targeted repairs. Major systems (HVAC and water heater) are present and look serviceable; interior and exterior show cosmetic wear, missing kitchen appliances, and likely missing/insufficient life-safety devices (smoke/CO detectors, GFCI). With 1–3 weeks of focused repairs (install detectors, install/verify GFCI, add stove/fridge or ensure safe hookups, clean/caulk bathroom, replace blinds, address minor cabinet and trim repairs) the property should be Section 8/NSPIRE ready. A short verification of roof, electrical panel location/service, and egress window dimensions is recommended.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior shows mostly intact surfaces with recent-looking vinyl plank flooring, painted walls and working doors. Cosmetic wear, scuffs and dirty baseboards present. Kitchen cabinets are dated and one cabinet base appears missing; there is a clear absence of a stove and refrigerator (space/connection visible). Bathrooms fixtures (toilet, tub, vanity) are present but tub surround and trim show wear and need caulk/cleaning. Overall items are moderate and repairable (cleaning, cabinetry, reinstall appliances, replace blinds, minor trim work)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in any interior photos — HUD/NSPIRE requires working smoke detectors on each level and in/near sleeping rooms. GFCI protection in kitchen/bath is not apparent from photos. Door appears to have a deadbolt on entry (photo ambiguous) and no exposed wiring or obvious open electrical junctions are seen. Windows appear to be standard and bedrooms likely have windows for egress, but full compliance can't be confirmed. Plumbing fixtures appear present and functional; no active leaks visible. Missing detectors and probable missing GFCI outlets represent the primary inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 75.0,
"rationale": "Photograph shows a Rheem furnace/air handler and a gas water heater installed together in a closet — both look recently replaced or in good condition with visible venting and drain piped from the water heater. Supply vents are visible in rooms. No visible signs of water heater leakage or rust in photos. Electrical panel is not shown and condition of electrical service cannot be confirmed. Given visible HVAC and water heater presence and apparent intact venting, major systems likely functional but require verification/testing during inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 65.0,
"rationale": "Exterior shows a single-story ranch with intact siding and roof that appears aged but not failing from photos (no visible sagging or open rafters). Chimney and roofline appear straight. Driveway has surface cracks and yard is overgrown with leaf litter — needs cleanup for trip-hazard and curb appeal. No standing water or visible foundation displacement noted in provided photos. Landscaping and driveway repairs/caretaking recommended; roof condition should be verified on close inspection for missing shingles or leaks."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — immediate fail risk if absent or nonfunctional.",
"No visible GFCI protection in kitchen/bath — potential code failure (install required).",
"Kitchen missing major appliances (stove and refrigerator) — inspection may allow absence but landlord responsibility to provide per lease/local rules; will delay move-in.",
"Blinds/windows damaged and some interior trim/cabinetry missing — trip/safety/egress issues if windows obstructed or inoperable (blinds broken but not critical)."
],
"confidence": 0.6,
"assumptions": [
"Utilities (water, gas, electric) are available and can be turned on for testing; photos were taken with utilities off or on but functionality is assumed for HVAC/water heater based on visible equipment.",
"The visible HVAC and water heater are operational; their age/installation appear recent but no test data was provided.",
"No smoke detectors or CO alarms are present unless not shown in photos; I assume none are installed or working based on absence in images.",
"Kitchen is missing a stove and refrigerator; visible hookups indicate appliances were removed and need replacement.",
"Electrical panel, breaker labeling, and service grounding are not shown and are assumed typical but must be verified on inspection.",
"Bedroom windows provide egress-sized openings typical for a 1959 single-story house, but exact dimensions/clearances were not measured and must be confirmed.",
"No evidence of major structural movement, roof leaks, or severe mold was visible in photos; if on-site inspection reveals signs, score would change significantly."
],
"overall_score": 67.0,
"rubric_version": "2024-NSPIRE-v1"
},
{
"summary": "Overall this 4BR/2BA single-family appears structurally sound from photos with functioning HVAC and water heater present and mostly cosmetic interior finishes. The property will likely pass Section 8 (HCV/NSPIRE) after modest remediation: install/verify smoke and CO detectors, install required GFCI protection in kitchen and bathroom outlets (if missing), install/replace missing stove and refrigerator or disclose appliance provision per local HA policy, perform cleaning/paint touch-ups, repair/secure sliding door/blinds and add deadbolt to entry. Expect 1–4 weeks of work if trades scheduled promptly; if smoke/CO or GFCI are missing it is an inspection risk until corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior finish work mostly cosmetic: new-ish vinyl plank flooring throughout, intact baseboards, flush-mount lighting; walls show scuffs/dirt and need painting/cleaning. Kitchen cabinets are worn; missing stove and refrigerator (photos show hookups but no appliances). Bathrooms fixtures appear present but need cleaning and minor trim work. Exterior shows overgrown yard and leaf debris and some driveway cracking/weed growth. Overall repair needs are minor-to-moderate and mostly cosmetic or appliance/cabinet replacement; no obvious major structural repairs visible in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items not verifiable or likely missing from photos: no visible smoke detectors or CO alarms in hallways/bedrooms (required) and no clear GFCI receptacle visible in kitchen/bath (likely required). Front door has a lockset but no visible separate deadbolt. No exposed wiring or collapsed ceilings observed; bedroom windows appear present for egress but measurements not confirmed. Plumbing fixtures and toilet present. These unconfirmed/likely-missing life-safety items create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Elec)",
"score": 75.0,
"rationale": "Photo of mechanical closet shows a Rheem furnace and a newer water heater with proper venting and PVC condensate/drain lines — indicates heating and hot water systems in place and recently replaced or serviced. No electrical panel is shown so panel condition not verified; visible outlets and covers present. No obvious plumbing leaks or water stains in interior photos. Roof appears aged but not actively failing in exterior photo. Based on visible equipment, major systems presence is good though functionality not verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Front yard is overgrown with leaf/organic debris and will need cleanup; driveway has cracking and some vegetation in joints (minor trip hazard). Exterior siding and roof appear intact from front view; chimney and roofline show no visible sagging or missing large sections. Landscaping and curb appeal need attention but no major structural exterior defects are evident in provided photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (life-safety failure on NSPIRE if not present).",
"Likely missing GFCI protection at kitchen and bathroom receptacles (NSPIRE/Code fail if missing).",
"Kitchen appliances (stove/oven and refrigerator) are not present in photos — will affect rent-readiness and may be cited by some HAs if required.",
"Damaged/misaligned vertical blinds and general interior dirt/soiling (tenant-safety & habitability issues until cleaned/repaired)."
],
"confidence": 0.7,
"assumptions": [
"Photos are recent and depict the current condition; listing 'as-is' indicates no guaranteed repairs by seller.",
"No smoke detectors or CO alarms are present because none are visible in photos; they may exist out of frame.",
"Electrical panel condition and presence of required GFCI outlets are unknown; absence of obvious GFCI covers in kitchen/bath interpreted as likely missing.",
"HVAC and water heater are assumed functional because units appear new/recent and properly vented, but no service records or operational tests provided.",
"Windows appear to provide bedroom egress but sizes/measurements are not verified.",
"No active roof leaks, major foundation movement, or mold issues observed in photos; concealed problems may exist but there is no visible evidence.",
"Missing kitchen appliances (stove/oven and refrigerator) will be required by some PHAs to be provided prior to move-in or documented as tenant-supplied."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 4BR/2BA appears structurally intact and largely serviceable with newer-looking HVAC and water heater, recent-look flooring, and intact finishes. Primary issues for an initial HCV/NSPIRE pass are missing/absent items typically required by inspectors: smoke/CO detectors not visible, likely missing kitchen appliances (stove/refrigerator), unverified GFCI protection in wet areas, and some cosmetic/caulking work in bathrooms and cabinetry. With installation of detectors, verification of HVAC/water heater operation, replacement/installation of a range and fridge (or clear documented hookups), minor kitchen/bath sealant work, and a quick clean-up, the property is likely to pass after 1–4 weeks of targeted repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows recent-looking vinyl plank flooring and intact ceilings but cosmetic wear on walls, scuffed baseboards, broken/blown blinds, dirty tubs, and cabinet damage under the kitchen sink. Kitchen range/stove is missing (space under hood visible) and likely refrigerator is not provided. These are easy-to-fix and mostly cosmetic but missing appliances reduce turnkey readiness moderately."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in the photos (required by NSPIRE), GFCI devices not visible in kitchen/bath photos, and kitchen shows exposed appliance hookup area (missing stove) which requires safe gas/electrical termination. Bedroom windows appear present for egress but sizes not measured. Entry door has a knob but no visible deadbolt in photos. No exposed wiring or active sagging ceilings observed. The lack of visible detectors and unknown GFCI protection are the main inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Water Heater)",
"score": 75.0,
"rationale": "Photos show a Rheem HVAC unit and a gas/electric water heater installed together – equipment appears recently replaced/modern and intact. Supply/vent ducting and a PVC condensate/drain are visible. Plumbing fixtures (toilets, tub, vanity) are present though bathtub caulking/threshold shows dirt and may need re-sealing. Electrical panel is not shown. Overall major systems appear present and serviceable but need verification of operation and proper vent/TPR piping routing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Roof shingles appear aged but lying flat with no visible sagging or active leaks from exterior photos; chimney looks intact. Driveway shows cracking and surface wear; yard is overgrown with leaf debris under large tree that could require cleanup. No evidence of standing water, major foundation cracking, or visible pest infestation in photos. Exterior is cosmetically neglected but structurally appears stable from available images."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Photos show no smoke or carbon monoxide detectors; assume none installed or not operational unless seller provides proof.",
"Kitchen range/stove is missing (space and hookups visible) and refrigerator is not shown; assume appliances not included.",
"HVAC and water heater are present and operational based on new-looking equipment in photo; final verification (power/gas, function) required.",
"No electrical panel or GFCI outlets were photographed; assume panel is present elsewhere and no obvious exposed wiring but GFCI protection may be missing in kitchen/bath unless proven otherwise.",
"Bedroom windows are assumed to provide required egress but exact dimensions and operation (opening) were not confirmed from photos.",
"No active roof leaks, major foundation movement, collapsed ceilings, or severe mold were visible; assume none present but recommend in-person verification.",
"Missing or damaged blinds, cabinet damage, and cosmetic stains are superficial repairs (not inspection-fail hazards) but will need remediation.",
"Water heater temperature/pressure (TPR) discharge routing and presence of a drain pan were not clearly visible and should be confirmed on-site."
],
"overall_score": 66.0,
"rubric_version": "2026-02-hcv-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2971 Kentwood Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "This 4BR/2BA appears moderately turned-over and likely passable after targeted repairs. Major systems (HVAC and water heater) are present and look serviceable; interior and exterior show cosmetic wear, missing kitchen appliances, and likely missing/insufficient life-safety devices (smoke/CO detectors, GFCI). With 1–3 weeks of focused repairs (install detectors, install/verify GFCI, add stove/fridge or ensure safe hookups, clean/caulk bathroom, replace blinds, address minor cabinet and trim repairs) the property should be Section 8/NSPIRE ready. A short verification of roof, electrical panel location/service, and egress window dimensions is recommended.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 68.3,
"rationale": "Interior shows mostly intact surfaces with recent-looking vinyl plank flooring, painted walls and working doors. Cosmetic wear, scuffs and dirty baseboards present. Kitchen cabinets are dated and one cabinet base appears missing; there is a clear absence of a stove and refrigerator (space/connection visible). Bathrooms fixtures (toilet, tub, vanity) are present but tub surround and trim show wear and need caulk/cleaning. Overall items are moderate and repairable (cleaning, cabinetry, reinstall appliances, replace blinds, minor trim work)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 66.7,
"rationale": "Exterior shows a single-story ranch with intact siding and roof that appears aged but not failing from photos (no visible sagging or open rafters). Chimney and roofline appear straight. Driveway has surface cracks and yard is overgrown with leaf litter — needs cleanup for trip-hazard and curb appeal. No standing water or visible foundation displacement noted in provided photos. Landscaping and driveway repairs/caretaking recommended; roof condition should be verified on close inspection for missing shingles or leaks."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in any interior photos — HUD/NSPIRE requires working smoke detectors on each level and in/near sleeping rooms. GFCI protection in kitchen/bath is not apparent from photos. Door appears to have a deadbolt on entry (photo ambiguous) and no exposed wiring or obvious open electrical junctions are seen. Windows appear to be standard and bedrooms likely have windows for egress, but full compliance can't be confirmed. Plumbing fixtures appear present and functional; no active leaks visible. Missing detectors and probable missing GFCI outlets represent the primary inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 75.0,
"rationale": "Photograph shows a Rheem furnace/air handler and a gas water heater installed together in a closet — both look recently replaced or in good condition with visible venting and drain piped from the water heater. Supply vents are visible in rooms. No visible signs of water heater leakage or rust in photos. Electrical panel is not shown and condition of electrical service cannot be confirmed. Given visible HVAC and water heater presence and apparent intact venting, major systems likely functional but require verification/testing during inspection."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — immediate fail risk if absent or nonfunctional.",
"No visible GFCI protection in kitchen/bath — potential code failure (install required).",
"Kitchen missing major appliances (stove and refrigerator) — inspection may allow absence but landlord responsibility to provide per lease/local rules; will delay move-in.",
"Blinds/windows damaged and some interior trim/cabinetry missing — trip/safety/egress issues if windows obstructed or inoperable (blinds broken but not critical)."
],
"confidence": 0.95,
"assumptions": [
"Utilities (water, gas, electric) are available and can be turned on for testing; photos were taken with utilities off or on but functionality is assumed for HVAC/water heater based on visible equipment.",
"The visible HVAC and water heater are operational; their age/installation appear recent but no test data was provided.",
"No smoke detectors or CO alarms are present unless not shown in photos; I assume none are installed or working based on absence in images.",
"Kitchen is missing a stove and refrigerator; visible hookups indicate appliances were removed and need replacement.",
"Electrical panel, breaker labeling, and service grounding are not shown and are assumed typical but must be verified on inspection.",
"Bedroom windows provide egress-sized openings typical for a 1959 single-story house, but exact dimensions/clearances were not measured and must be confirmed.",
"No evidence of major structural movement, roof leaks, or severe mold was visible in photos; if on-site inspection reveals signs, score would change significantly."
],
"score_method": "mean_of_criteria",
"overall_score": 66.4,
"rubric_version": "2024-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7441899735"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.