Property ID: 7442634385

130 N Alabama Ave, Jackson, MS, 39209

Jackson, MS

For Sale Feb 16, 2026 11:07 PM UTC Realtor Zillow Street View
Money Down: $14,376 CoC Return: 41.36% Monthly Cash Flow: $495
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$11,980
Closing Costs
$2,396
Total Down
$14,376
Primary property image

Investment Snapshot

Purchase Price
$59,900
Money Down
$14,376
Cash-on-Cash Return
41.36%
Rent
$1,001
Monthly Cash Flow
$495
Annual Cash Flow
$5,946
Debt Service / Mo
$319
Property Tax / Mo
$56
Insurance / Mo
$31

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,001
Payment Standard
$1,380
Rent
$1,001
Insurance
$31
Property Tax
$56
Management
$100
Utilities Allowance
$379
NOI (Monthly)
$814
Debt Service
$319
Cash Flow After Debt
$495

Quality Score: 66.20%

Confidence: 92.00%

Overall the property appears mostly cosmetically updated and likely rentable with moderate follow-up work. Interior paint and floors look good and the kitchen is present, but there are inspection risks: exposed ceiling wiring/light fixtures, no visible smoke/CO alarms, missing major appliances, a weathered exterior ramp, and unconfirmed HVAC/equipment. These are repairable items; with appliance installation, electrical fixture covers/installation, installation of required detectors, and basic site clean-up the home should pass an initial HCV/NSPIRE inspection within ~2-4 weeks. Unseen systems (heating, water heater, electrical panel) must be verified at walkthrough.

Section 8 Payment Standard
$1,380
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,001
Property Management
$100

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$59,900
Beds
3
Baths
2
Living Area
1,471 sqft
Lot Size
9,148 sqft
Year Built
1932
Days on Market
86
Capital Outlay
$14,376
Debt Service
$319
Property Tax / Mo
$56
Insurance / Mo
$31

Property Description

This home is ready for it's new owner! Featuring 3 bedrooms, 2 bathrooms, and recent updates, this house is perfect for an owner occupant or investor looking to rent! Call your realtor today for a showing!

Utility Allowances

Air Conditioning
$12
Included as a standard utility for a single-family home in this climate with connected electricity.
Cooking
$11
Electric option selected as the property has electricity and no gas service is mentioned.
Heating
$50
Electric option selected as the property has electricity and no gas service is mentioned. The more expensive electric resistance option was chosen due to ambiguity, per instructions.
Other Electric
$69
Included for general lighting and small appliances, as the property has electricity connected.
Range/Microwave
$3
Allowance for tenant-owned appliance, as the property listing does not explicitly state one is provided.
Refrigerator
$4
Allowance for tenant-owned appliance, as the property listing does not explicitly state one is provided.
Sewer
$60
The property is explicitly stated to be connected to a public sewer system.
Trash Collection
$37
Included as a standard, tenant-paid utility for a single-family residence, inferred from property type and location.
Water
$104
The property is explicitly stated to be connected to a public water source.
Water Heating
$29
Electric option selected as the property has electricity and no gas service is mentioned.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$241
DP3 Annual Estimate$500
DP1 Monthly Equivalent$20
DP3 Monthly Equivalent$42
Replacement Value$10,344
Basis1,471 sqft / 1932

Nearby Houses

Nearby house 1
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3438 W Capitol St

sold · 0.08 mi
Price: $34,500
4 bd / 2 ba · 1,234 sqft
Latest sale: — on Oct 03, 2022
Latest rent: $1,000 on Nov 20, 2022
Nearby house 2
Photo unavailable

115 Oferrell Ave

for_sale · 0.10 mi
Price: $249,000
2 bd / 1 ba · 3,060 sqft
Latest sale: — on Apr 03, 2015
Latest rent: $500 on Jan 24, 2020
Nearby house 3
Photo unavailable

115 Oferrell Ave

off_market · 0.10 mi
Price: $249,000
28 bd / 14 ba
Latest sale: — on Apr 03, 2015
Latest rent: $500 on Jan 24, 2020
Nearby house 4
Photo unavailable

134 S Alabama Ave

off_market · 0.13 mi
Price: $19,999
2 bd / 1 ba · 1,187 sqft
Latest sale: —
Latest rent: —
Nearby house 5
Photo unavailable

173 Parkside Pl

sold · 0.14 mi
Price: $17,000
2 bd / 1 ba · 896 sqft
Latest sale: — on Jul 18, 2025
Latest rent: $500 on Sep 14, 2019
Nearby house 6
Photo unavailable

115 Tennessee Ave

for_sale · 0.17 mi
Price: $35,000
2 bd / 1 ba · 934 sqft
Latest sale: —
Latest rent: $475 on Oct 16, 2018
Nearby house 7
Photo unavailable

239 Georgia Ave

off_market · 0.18 mi
Price: $12,000
2 bd / 1 ba · 864 sqft
Latest sale: — on Dec 08, 2010
Latest rent: —
Nearby house 8
Photo unavailable

170 Galvez St

for_sale · 0.22 mi
Price: $70,000
3 bd / 1 ba · 1,432 sqft
Latest sale: —
Latest rent: $900 on Feb 02, 2024
Nearby house 9
Photo unavailable

167 Galvez St

sold · 0.22 mi
Price: $15,000
3 bd / 1 ba · 1,325 sqft
Latest sale: — on Jan 12, 2024
Latest rent: $750 on Nov 21, 2019
Nearby house 10
Photo unavailable

159 Lynn Ave

off_market · 0.24 mi
Price: $85,000
3 bd / 1 ba · 1,320 sqft
Latest sale: —
Latest rent: $900 on Jun 12, 2025
Nearby house 11
Photo unavailable

196 S Alabama Ave

for_sale · 0.25 mi
Price: $72,000
3 bd / 1 ba · 1,151 sqft
Latest sale: — on Mar 25, 1983
Latest rent: $1,000 on Oct 04, 2025
Nearby house 12
Photo unavailable

269O Ferrell Ave

for_sale · 0.31 mi
Price: $22,000
3 bd / 1 ba · 1,036 sqft
Latest sale: —
Latest rent: $850 on Nov 06, 2013

Risk and Criteria Detail

Red Flags

  • success
  • Exposed electrical wiring / bare lamp sockets in multiple ceiling fixtures (electrical hazard).
  • No visible smoke detectors or carbon monoxide alarms present in photos (NSPIRE fail until installed).
  • No visible heating/HVAC equipment or registers in provided photos (system condition unknown).
  • Cracked/uneven driveway and rear slab remnants present trip/hazard potential until graded/cleaned.
  • Exterior wooden ramp shows weathering and likely needs structural fastening/repair to meet handrail/guard requirements.

Assumptions

  • Utilities (water, electric) are connected and functional at time of inspection; hot water available though not shown.
  • Heating and cooling equipment exist in the property but are not visible in provided photos; assume service/commissioning may be required.
  • Bathrooms exist and are functional (2 baths listed) though no photos were provided — assumed acceptable unless proven otherwise.
  • Bedrooms have egress windows adequate for escape based on visible window sizes in photos.
  • Missing appliances (stove/refrigerator) will be provided by owner/landlord prior to move-in or are acceptable as a capital replacement item.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2021 $649 $22,490 $3,374
2020 $631 $22,020 $3,303
2019 $632 $22,020 $3,303
2018 $625 $22,020 $3,303
2017 $625 $22,020 $3,303
2016 $609 $22,020 $3,303
2015 $594 $22,140 $3,321
2014 $998 $37,210 $5,582
2013 $970 $37,210 $5,582

Sale History

DateEventPrice
2026-02-06 Listing removed $0
2026-01-22 Listed for rent $900
2026-01-06 Listing removed $0
2025-11-22 Listed $59,900
2025-11-12 Listed for rent $900

Rental History

DateEventPriceSource
2026-01-22 Listed for rent $900
2025-11-12 Listed for rent $900

Photo Gallery

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    "lead_attributes": {
      "lead_type": "co_broke",
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    "property_tax_history": {
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        "tax_history": [
          {
            "tax": 649,
            "year": 2021,
            "market": {
              "land": 6000,
              "total": 22490,
              "building": 16490
            },
            "assessment": {
              "land": 900,
              "total": 3374,
              "building": 2474
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          },
          {
            "tax": 631,
            "year": 2020,
            "market": {
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              "total": 22020,
              "building": 16020
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            "assessment": {
              "land": 900,
              "total": 3303,
              "building": 2403
            }
          },
          {
            "tax": 632,
            "year": 2019,
            "market": {
              "land": 6000,
              "total": 22020,
              "building": 16020
            },
            "assessment": {
              "land": 900,
              "total": 3303,
              "building": 2403
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          },
          {
            "tax": 625,
            "year": 2018,
            "market": {
              "land": 6000,
              "total": 22020,
              "building": 16020
            },
            "assessment": {
              "land": 900,
              "total": 3303,
              "building": 2403
            }
          },
          {
            "tax": 625,
            "year": 2017,
            "market": {
              "land": 6000,
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            "assessment": {
              "land": 900,
              "total": 3303,
              "building": 2403
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          {
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              "building": 16020
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            "assessment": {
              "land": 900,
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              "building": 2403
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          },
          {
            "tax": 594,
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            "market": {
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              "total": 22140,
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            "assessment": {
              "land": 900,
              "total": 3321,
              "building": 2421
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          },
          {
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            "market": {
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              "total": 37210,
              "building": 31210
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            "assessment": {
              "land": 900,
              "total": 5582,
              "building": 4682
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          },
          {
            "tax": 970,
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            "market": {
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              "total": 37210,
              "building": 31210
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            "assessment": {
              "land": 900,
              "total": 5582,
              "building": 4682
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            "days_after_listed": "45 days",
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            "days_after_listed": null,
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          {
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            "price": 900,
            "listing": {
              "status": "off_market",
              "list_date": null,
              "list_price": 900,
              "listing_id": "2988477442",
              "last_update_date": "2026-02-06T15:05:30Z",
              "last_status_change_date": "2026-02-06T20:08:59Z"
            },
            "event_name": "Listed for rent",
            "price_sqft": null,
            "source_name": "TenantTurner",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "885316",
            "price_change_percentage": null
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    "rmn_listing_attribution": true
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  "property_id": "7442634385",
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  "initial_filter": {
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    "reason": "disabled",
    "enabled": false
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    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 66.2
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  "utility_allowance": {
    "zip_code": "39209",
    "home_photo": "https://ap.rdcpix.com/95f6151b28e1f88de1062ccb081b622bl-m1762249418s-w1280.jpg",
    "rent_price": 1001.0,
    "loan_amount": 47920.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/130-N-Alabama-Ave_Jackson_MS_39209_M74426-34385",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 59900.0,
    "loan_term_years": 30,
    "annual_cash_flow": 9771.83,
    "mortgage_monthly": 318.81,
    "payment_standard": 1380.0,
    "total_amount_out": 11980.0,
    "additional_photos": [
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    "down_payment_rate": 0.2,
    "insurance_monthly": 30.88,
    "monthly_cash_flow": 814.32,
    "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": "Included as a standard utility for a single-family home in this climate with connected electricity.",
        "utility": "Air Conditioning",
        "allowance": 12
      },
      {
        "note": "Electric option selected as the property has electricity and no gas service is mentioned.",
        "utility": "Cooking",
        "allowance": 11
      },
      {
        "note": "Electric option selected as the property has electricity and no gas service is mentioned. The more expensive electric resistance option was chosen due to ambiguity, per instructions.",
        "utility": "Heating",
        "allowance": 50
      },
      {
        "note": "Included for general lighting and small appliances, as the property has electricity connected.",
        "utility": "Other Electric",
        "allowance": 69
      },
      {
        "note": "Allowance for tenant-owned appliance, as the property listing does not explicitly state one is provided.",
        "utility": "Range/Microwave",
        "allowance": 3
      },
      {
        "note": "Allowance for tenant-owned appliance, as the property listing does not explicitly state one is provided.",
        "utility": "Refrigerator",
        "allowance": 4
      },
      {
        "note": "The property is explicitly stated to be connected to a public sewer system.",
        "utility": "Sewer",
        "allowance": 60
      },
      {
        "note": "Included as a standard, tenant-paid utility for a single-family residence, inferred from property type and location.",
        "utility": "Trash Collection",
        "allowance": 37
      },
      {
        "note": "The property is explicitly stated to be connected to a public water source.",
        "utility": "Water",
        "allowance": 104
      },
      {
        "note": "Electric option selected as the property has electricity and no gas service is mentioned.",
        "utility": "Water Heating",
        "allowance": 29
      }
    ],
    "cash_on_cash_return": 0.82,
    "down_payment_amount": 11980.0,
    "property_tax_annual": 668.47,
    "property_tax_monthly": 55.71,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 379.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/ps",
        "https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
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      "effective_date": "2025-10-01"
    },
    "property_tax_history_year": 2021,
    "annual_cash_flow_after_debt": 5946.07,
    "property_management_monthly": 100.1,
    "monthly_cash_flow_after_debt": 495.51,
    "cash_on_cash_return_after_debt": 0.5
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  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall the property appears mostly cosmetically updated and likely rentable with moderate follow-up work. Interior paint and floors look good and the kitchen is present, but there are inspection risks: exposed ceiling wiring/light fixtures, no visible smoke/CO alarms, missing major appliances, a weathered exterior ramp, and unconfirmed HVAC/equipment. These are repairable items; with appliance installation, electrical fixture covers/installation, installation of required detectors, and basic site clean-up the home should pass an initial HCV/NSPIRE inspection within ~2-4 weeks. Unseen systems (heating, water heater, electrical panel) must be verified at walkthrough.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 75.0,
            "rationale": "Interior appears recently painted with new-look laminate flooring and intact trim; kitchen cabinets and sink present. Visible minor deferred items: missing light fixtures (exposed lamp holders), some debris on floors, one loose board near living area, and exterior wood ramp shows weathering and needs repairs/finish. No visible major drywall or floor failures. Missing major appliances (stove/fridge not pictured) — reduces readiness moderately but is a capital-only item. Overall mostly cosmetic/finish scope."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 68.0,
            "rationale": "No smoke detectors or CO alarms are visible in photos (required). Several ceiling light locations show exposed wiring or bare lamp sockets which is an electrical safety issue until properly terminated/covered. Entry appears secure; windows in bedrooms appear large enough for egress based on photos. No visible active leaks, collapsed ceilings, or significant trip hazards inside. Exterior driveway has cracking and uneven areas that present trip risk. GFCI presence in kitchen/bath cannot be confirmed from photos. Score reduced for exposed wiring and missing alarms which are common NSPIRE fail items."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems / Mechanical",
            "score": 60.0,
            "rationale": "Major systems largely unshown: no HVAC equipment, registers, water heater, or electrical panel are visible in the photos. Roof and exterior brick look intact with no obvious sagging or active roof leaks. Interior plumbing fixtures appear present (kitchen sink) but hot water and full plumbing function not shown. Electrical finish work (missing fixtures, exposed wires) indicates contractor work incomplete. Because critical systems are not documented in photos, assume there may be service/commissioning needed — moderate risk."
          },
          {
            "key": "exterior_site",
            "label": "Exterior and Site",
            "score": 70.0,
            "rationale": "Brick bungalow exterior appears structurally sound with intact roofline in the images; yard recently cleared and former slab/foundation remnants are visible in rear which suggests demolition of an outbuilding — could be a trip/hazard until graded. Driveway is cracked and uneven but serviceable. Wooden accessibility ramp exists but shows weathering and needs stabilization/fasteners/finish. Mature trees and ivy close to structure could require trimming to prevent moisture/house-wall contact. No visible standing water."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental Activity (5y)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Exposed electrical wiring / bare lamp sockets in multiple ceiling fixtures (electrical hazard).",
          "No visible smoke detectors or carbon monoxide alarms present in photos (NSPIRE fail until installed).",
          "No visible heating/HVAC equipment or registers in provided photos (system condition unknown).",
          "Cracked/uneven driveway and rear slab remnants present trip/hazard potential until graded/cleaned.",
          "Exterior wooden ramp shows weathering and likely needs structural fastening/repair to meet handrail/guard requirements."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Utilities (water, electric) are connected and functional at time of inspection; hot water available though not shown.",
          "Heating and cooling equipment exist in the property but are not visible in provided photos; assume service/commissioning may be required.",
          "Bathrooms exist and are functional (2 baths listed) though no photos were provided — assumed acceptable unless proven otherwise.",
          "Bedrooms have egress windows adequate for escape based on visible window sizes in photos.",
          "Missing appliances (stove/refrigerator) will be provided by owner/landlord prior to move-in or are acceptable as a capital replacement item."
        ],
        "overall_score": 69.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall this 3BR/2BA brick bungalow appears cosmetically updated and close to Section 8 rent-ready, but several systems and safety items are unverified from photos. Expect minor-to-moderate repairs (install/verify smoke & CO alarms, finish electrical fixtures, confirm HVAC and hot water operation, install GFCI where required, supply appliances) before passing an initial HCV/NSPIRE inspection. With routine checks and a short scope of work the property is likely rentable within 2–6 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 75.0,
            "rationale": "Interior shows recent cosmetic updates (paint, new vinyl plank flooring) and clean walls; kitchen cabinets and sink are present but stove/refrigerator not shown. Minor finish work remains (trim touch-up, missing light fixtures, small debris on floors). Exterior ramp and driveway show wear but are serviceable. Missing appliances reduce score moderately but no major visible deferred maintenance."
          },
          {
            "key": "safety_code",
            "label": "Safety & code compliance risk",
            "score": 60.0,
            "rationale": "No smoke detectors or CO alarms are visible in photos. Ceiling light fixtures show exposed wires/temporary bulb at several locations (potential electrical hazard if not properly terminated). Windows appear intact providing likely egress in bedrooms. No obvious severe mold, active leaks, collapsed ceilings, or broken guardrails visible. GFCI outlets, electrical panel, and door deadbolt not shown — unverified. These unknowns create moderate NSPIRE risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems & mechanical condition",
            "score": 55.0,
            "rationale": "Roof and exterior brick appear intact from photos; no visible roof sagging or major leaks. Kitchen plumbing sink present but hot water and water heater not shown. No visible HVAC equipment, vents, or registers in photos (heating/cooling system unverified). Electrical panel and water heater not shown; condition of plumbing/drainage unknown. Because critical systems are not visible/verified, this is a moderate systems risk."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 70.0,
            "rationale": "Brick bungalow exterior looks structurally sound with intact roofline. Driveway has cracks and surface wear; front wooden accessibility ramp appears weathered and may need reinforcement/repair. Backyard shows cleared slabs (former garage/foundation) and overgrown trees/ivy at lot edge which may require cleanup. No obvious foundation settlement or standing water observed in provided photos."
          },
          {
            "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": [
          "No visible smoke detectors or CO alarm in photos (NSPIRE safety requirement).",
          "Exposed ceiling wiring / missing light fixtures visible (electrical hazard until properly terminated/covered).",
          "No visible heating system or HVAC registers in photos (must be present and operational to pass)."
        ],
        "confidence": 0.6,
        "assumptions": [
          "No smoke detectors or CO alarms were visible in photos; assume they are not installed or not obvious and will need verification/installation.",
          "No HVAC equipment, vents, or registers are visible in photos; assume heating/cooling system presence is unverified and must be confirmed functional.",
          "Water heater, electrical panel and GFCI protection were not shown; assume condition is unknown and requires inspection.",
          "Missing stove/refrigerator are not treated as catastrophic—assume landlord may supply or tenant-supplied appliances will be addressed prior to leasing.",
          "Interior water intrusion, mold, major foundation movement, and active roof leaks are not evident in photos; assume none present but require on-site verification.",
          "Front ramp is functional but weathered; assume it is temporary/older and may require repair to meet safety standards."
        ],
        "overall_score": 65.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This 3BR/2BA brick bungalow has had visible cosmetic updates and shows good basic structure (intact roof, solid brick exterior, new flooring and paint). Primary inspection risks are exposed electrical wiring at missing ceiling fixtures, lack of clearly visible smoke/CO detectors, and no visible HVAC/water-heating equipment in photos. Exterior ramp railings, cracked driveway and backyard slab remnants need addressing. With a focused short punch-list (install/secure light fixtures and cover open wiring, verify & install smoke/CO detectors, confirm HVAC and hot water operation, reinforce/repair ramp railings and address trip hazards), the property is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection. Estimated time-to-inspection readiness: 1–4 weeks depending on verification/repair of mechanical systems and electrical work.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 75.0,
            "rationale": "Interior shows recent cosmetic updates: fresh paint, new vinyl plank flooring, repaired walls and trim. Kitchen cabinets and sink are present but countertops/cabinet finishes look incomplete (open shelving, missing drawer or trim). Several ceiling light fixtures are missing (exposed lamp holders/wiring) and there is scattered debris on floors. Exterior brick and roof appear intact. Missing appliances (stove/fridge not shown) will require provisioning for tenancy but are a moderate, fixable item. Overall these are mainly cosmetic/finish items and easily addressed with a short punch-list."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk",
            "score": 60.0,
            "rationale": "Some safety elements are present: operable windows for egress appear in bedrooms and living spaces; windows and doors look intact. However there are visible ceiling light boxes with exposed wiring and hanging lamp bases (electrical hazard until properly terminated/fixtures installed). Smoke/CO detectors are not clearly visible in photos (round discs on ceilings might be detectors but could be recessed lights) so detector coverage cannot be confirmed. Kitchen GFCI presence cannot be verified from photos. Front entry has a wooden ramp with railings, but rail condition looks weathered and may not meet guardrail strength requirements. No visible active water intrusion or large mold stains were seen. Exposed electrical boxes and uncertain detector coverage are primary Section 8/NSPIRE risks that may cause inspection failure until corrected."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems / Mechanical",
            "score": 55.0,
            "rationale": "No mechanical equipment (HVAC condenser, furnace, or water heater) is visible in exterior or interior photos; supply/return vents were not clearly observed. Roof shingles appear intact in the exterior photo and there are no visible ceiling sagging or active water stains inside. Plumbing fixtures (kitchen sink) are present; hot water availability cannot be confirmed. Electrical panel condition not shown. Given the absence of visible heating/cooling equipment in photos, there is moderate uncertainty about operational status of HVAC and water heating — which are critical systems that must be verified prior to inspection."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 65.0,
            "rationale": "Brick exterior and roofline look generally sound from the provided photo. Driveway concrete is cracked and uneven and shows areas of pooling/mud near the yard which is a minor trip/drainage concern. The front wooden access ramp and its railings appear weathered and may need reinforcement or replacement to meet safety/guardrail standards. Backyard shows cleared slabs and disturbed soil where a structure or slab was removed — this area could be a trip hazard or require clean-up. Overgrown trees and vines adjacent to the house are visible and should be trimmed to prevent future roof/soffit issues."
          },
          {
            "key": "rental_history_activity",
            "label": "Evidence of recent rental activity (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 wiring and open light fixture boxes visible on multiple ceilings — potential electrical hazard.",
          "No visible heating/HVAC equipment in photos — heating system operation not confirmed (can be inspection-failing if absent).",
          "Front wooden ramp railings appear weathered and possibly insecure — could fail guardrail/handrail safety requirements.",
          "Cracked/uneven driveway and disturbed backyard slabs present trip hazards and drainage concerns near the structure."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Photos are recent and representative of current interior and exterior condition.",
          "Missing ceiling fixtures indicate fixture removal but the wiring is live and accessible — will need proper reinstallation/termination by a licensed electrician.",
          "HVAC and water-heating equipment exist but were not visible in provided photos; their operation is unconfirmed and must be verified. If no heating exists, that would be a major fail.",
          "Appliances (stove/fridge) are not shown; landlord/investor is expected to supply or tenant to supply per local program rules — absence lowers readiness moderately but is not a structural failure.",
          "Smoke and carbon monoxide detectors are not clearly visible in the photos; assume detectors are either missing or insufficient until proven present and functional.",
          "Front wooden ramp is intended for accessibility but rail strength and rise/run were not measured; assume repairs/strengthening may be required to meet safety standards."
        ],
        "overall_score": 67.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "130 N Alabama Ave, Jackson, MS, 39209",
    "aggregate": {
      "summary": "Overall the property appears mostly cosmetically updated and likely rentable with moderate follow-up work. Interior paint and floors look good and the kitchen is present, but there are inspection risks: exposed ceiling wiring/light fixtures, no visible smoke/CO alarms, missing major appliances, a weathered exterior ramp, and unconfirmed HVAC/equipment. These are repairable items; with appliance installation, electrical fixture covers/installation, installation of required detectors, and basic site clean-up the home should pass an initial HCV/NSPIRE inspection within ~2-4 weeks. Unseen systems (heating, water heater, electrical panel) must be verified at walkthrough.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition / Repairs",
          "score": 75.0,
          "rationale": "Interior appears recently painted with new-look laminate flooring and intact trim; kitchen cabinets and sink present. Visible minor deferred items: missing light fixtures (exposed lamp holders), some debris on floors, one loose board near living area, and exterior wood ramp shows weathering and needs repairs/finish. No visible major drywall or floor failures. Missing major appliances (stove/fridge not pictured) — reduces readiness moderately but is a capital-only item. Overall mostly cosmetic/finish scope."
        },
        {
          "key": "exterior_site",
          "label": "Exterior and Site",
          "score": 68.3,
          "rationale": "Brick bungalow exterior appears structurally sound with intact roofline in the images; yard recently cleared and former slab/foundation remnants are visible in rear which suggests demolition of an outbuilding — could be a trip/hazard until graded. Driveway is cracked and uneven but serviceable. Wooden accessibility ramp exists but shows weathering and needs stabilization/fasteners/finish. Mature trees and ivy close to structure could require trimming to prevent moisture/house-wall contact. No visible standing water."
        },
        {
          "key": "rental_history_activity",
          "label": "Recent Rental Activity (5y)",
          "score": 100.0,
          "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Compliance Risk",
          "score": 62.7,
          "rationale": "No smoke detectors or CO alarms are visible in photos (required). Several ceiling light locations show exposed wiring or bare lamp sockets which is an electrical safety issue until properly terminated/covered. Entry appears secure; windows in bedrooms appear large enough for egress based on photos. No visible active leaks, collapsed ceilings, or significant trip hazards inside. Exterior driveway has cracking and uneven areas that present trip risk. GFCI presence in kitchen/bath cannot be confirmed from photos. Score reduced for exposed wiring and missing alarms which are common NSPIRE fail items."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems / Mechanical",
          "score": 56.7,
          "rationale": "Major systems largely unshown: no HVAC equipment, registers, water heater, or electrical panel are visible in the photos. Roof and exterior brick look intact with no obvious sagging or active roof leaks. Interior plumbing fixtures appear present (kitchen sink) but hot water and full plumbing function not shown. Electrical finish work (missing fixtures, exposed wires) indicates contractor work incomplete. Because critical systems are not documented in photos, assume there may be service/commissioning needed — moderate risk."
        }
      ],
      "red_flags": [
        "Exposed electrical wiring / bare lamp sockets in multiple ceiling fixtures (electrical hazard).",
        "No visible smoke detectors or carbon monoxide alarms present in photos (NSPIRE fail until installed).",
        "No visible heating/HVAC equipment or registers in provided photos (system condition unknown).",
        "Cracked/uneven driveway and rear slab remnants present trip/hazard potential until graded/cleaned.",
        "Exterior wooden ramp shows weathering and likely needs structural fastening/repair to meet handrail/guard requirements."
      ],
      "confidence": 0.92,
      "assumptions": [
        "Utilities (water, electric) are connected and functional at time of inspection; hot water available though not shown.",
        "Heating and cooling equipment exist in the property but are not visible in provided photos; assume service/commissioning may be required.",
        "Bathrooms exist and are functional (2 baths listed) though no photos were provided — assumed acceptable unless proven otherwise.",
        "Bedrooms have egress windows adequate for escape based on visible window sizes in photos.",
        "Missing appliances (stove/refrigerator) will be provided by owner/landlord prior to move-in or are acceptable as a capital replacement item."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 66.2,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7442634385"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.