Property ID: 7468357851
1716 Smallwood St, Jackson, MS, 39212
Jackson, MS
Money Down: $26,880
CoC Return: 16.29%
Monthly Cash Flow: $365
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,400
Closing Costs
$4,480
Total Down
$26,880
Investment Snapshot
Purchase Price
$112,000
Money Down
$26,880
Cash-on-Cash Return
16.29%
Rent
$1,241
Monthly Cash Flow
$365
Annual Cash Flow
$4,378
Debt Service / Mo
$596
Property Tax / Mo
$115
Insurance / Mo
$41
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,241
Payment Standard
$1,620
Rent
$1,241
Insurance
$41
Property Tax
$115
Management
$124
Utilities Allowance
$379
NOI (Monthly)
$961
Debt Service
$596
Cash Flow After Debt
$365
Quality Score: 66.00%
Confidence: 82.00%
Likely to pass an initial HCV/NSPIRE inspection after modest, targeted fixes. The house is tenant‑occupied, structurally appears sound from photos, and systems (plumbing, stove, vents) are present. Primary issues are cosmetic and maintenance: damaged kitchen cabinetry, a removed/propped interior door (security/egress), sunroom floor damage and debris, and lack of clearly visible smoke/CO detectors and confirmed GFCI protection. Recommend: install/verify smoke and CO detectors, repair/replace the removed door and secure all entry points, repair kitchen cabinet faces and drawer doors, remove debris and repair sunroom floor, verify HVAC, water heater and electrical panel functionality and GFCI outlets. With those items addressed (many are quick fixes), the property should be rent‑ready within 2–4 weeks and pass inspection.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,241
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$112,000
Beds
3
Baths
2
Living Area
1,490 sqft
Lot Size
10,890 sqft
Year Built
1964
Days on Market
128
Capital Outlay
$26,880
Debt Service
$596
Property Tax / Mo
$115
Insurance / Mo
$41
Property Description
Welcome to 1716 Smallwood Street, a well-kept 3-bedroom, 2-bath home with a bonus room and a fenced backyard-perfect for tenants or future owners alike. This property is currently rented for $1,200 per month, providing immediate income for the new owner. Inside, you'll find a comfortable floor plan with a spacious living area, functional kitchen, and a bonus room that can serve as an office, playroom, or additional living space. The bedrooms are nicely sized, and the fenced backyard offers plenty of space for outdoor enjoyment. Located in a convenient area close to schools, shopping, and major routes, this home is an excellent addition to any investment portfolio. No showings until an accepted contract. Please do not disturb tenants.
Utility Allowances
Air Conditioning
$12
Selected based on the property having 'Central Air' cooling, using the 3-bedroom fixed rate.
Cooking
$11
Selected 'electric' fuel based on the property listing an 'Electric Range' as a provided appliance. The 3-bedroom rate was used.
Heating
$50
Property's heating fuel is not specified. 'Electric' was chosen over 'electric_heat_pump' as it is the more expensive option, per the rules, for the 3-bedroom rate.
Other Electric
$69
Standard fixed allowance for general electricity usage (lights, outlets) for a 3-bedroom unit.
Range/Microwave
$3
A microwave is not listed as a provided appliance, so this allowance for a tenant-owned appliance applies. The 3-bedroom rate was used.
Refrigerator
$4
A refrigerator is not listed as a provided appliance, so this allowance for a tenant-owned refrigerator applies. The 3-bedroom rate was used.
Sewer
$60
Selected based on the property's connection to 'Public Sewer', using the 3-bedroom fixed rate.
Trash Collection
$37
Standard fixed allowance for municipal trash service, assumed to be a tenant expense. The 3-bedroom rate was used.
Water
$104
Selected based on the property's connection to a 'Public' water source, using the 3-bedroom fixed rate.
Water Heating
$29
Water heater fuel type is not specified. 'Electric' was selected for consistency with the heating fuel selection, using the 3-bedroom rate.
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$482
DP3 Annual Estimate$507
DP1 Monthly Equivalent$40
DP3 Monthly Equivalent$42
Replacement Value$34,120
Basis1,490 sqft / 1964
Nearby Houses
No nearby houses were returned.
Risk and Criteria Detail
Red Flags
- success
- Removed/propped interior door in laundry/utility area — security and egress hazard that must be repaired/replaced before inspection.
- Sunroom floor: heavy tile damage/debris and likely loose tiles or damaged substrate — trip hazard and needs repair.
- Worn/damaged kitchen cabinets and exposed cabinet edges — not immediately structural but could cause small safety issues and fail cosmetic standards.
- No clearly visible smoke detectors or CO alarms in photos — must be installed/verified to meet NSPIRE requirements.
- Large trees overhanging roof increase long‑term roof risk and debris/maintenance burden.
Assumptions
- Central HVAC exists (ceiling vents visible) and is operational; the outdoor condenser and furnace are present but not shown in photos.
- Hot water and basic plumbing are functional because kitchen/bath fixtures and a stove are present and the property is currently rented.
- No active roof leaks or major structural movement exist—roof appears aged but intact in photos; no sagging or large stains visible.
- No evidence of active pest infestation from provided photos; sunroom debris is assumed cleanerable rather than an active infestation.
- Electrical panel and service are present and intact inside the house but were not photographed; no obvious exposed wiring visible in photos.
- Bedrooms (not individually shown) have code‑compliant egress windows; egress could not be independently verified from photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,337 | $46,120 | $6,918 |
| 2023 | $1,330 | $46,120 | $6,918 |
| 2021 | $1,331 | $46,120 | $6,918 |
| 2020 | $1,295 | $45,130 | $6,770 |
| 2019 | $1,296 | $45,130 | $6,770 |
| 2018 | $1,281 | $45,130 | $6,770 |
| 2017 | $1,282 | $45,120 | $6,768 |
| 2016 | $1,248 | $45,120 | $6,768 |
| 2015 | $1,189 | $44,290 | $6,644 |
| 2014 | $1,187 | $44,290 | $6,644 |
| 2013 | $1,407 | $53,960 | $8,094 |
| 2012 | $1,407 | $53,960 | $8,094 |
| 2011 | $1,440 | $56,030 | $8,405 |
| 2010 | $726 | $56,030 | $5,603 |
| 2009 | $726 | $56,030 | $5,603 |
| 2008 | $726 | $47,940 | $4,794 |
| 2007 | $633 | $47,940 | $4,794 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-11 | Listed | $112,000 |
| 2025-07-25 | Listing removed | $0 |
| 2025-06-26 | Price Changed for rent | $1,200 |
| 2025-05-02 | Listed for rent | $1,595 |
| 2025-03-02 | Listing removed | $0 |
| 2024-12-14 | Price Changed | $119,500 |
| 2024-11-22 | Listed | $130,000 |
| 2010-04-13 | Listing removed | $30,000 |
| 2010-03-15 | Listed | $30,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-05-02 | Listed for rent | $1,595 | — |
Photo Gallery
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"listing_id": "2981315458",
"last_update_date": "2025-07-09T01:14:37Z",
"last_status_change_date": "2025-07-25T01:09:09Z"
},
"event_name": "Price Changed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": -395,
"days_after_listed": null,
"source_listing_id": "41e9b43c-c445-11ee-a6d4-024e11a41c3d",
"price_change_percentage": null
},
{
"date": "2025-05-02",
"price": 1595,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1200,
"listing_id": "2981315458",
"last_update_date": "2025-07-09T01:14:37Z",
"last_status_change_date": "2025-07-25T01:09:09Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "41e9b43c-c445-11ee-a6d4-024e11a41c3d",
"price_change_percentage": null
},
{
"date": "2025-03-02",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2024-11-22T15:24:49Z",
"list_price": 119500,
"listing_id": "2975343193",
"last_update_date": "2024-12-14T16:00:46Z",
"last_status_change_date": "2025-03-02T21:17:26Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "100 days",
"source_listing_id": "4097392",
"price_change_percentage": null
},
{
"date": "2024-12-14",
"price": 119500,
"listing": {
"status": "off_market",
"list_date": "2024-11-22T15:24:49Z",
"list_price": 119500,
"listing_id": "2975343193",
"last_update_date": "2024-12-14T16:00:46Z",
"last_status_change_date": "2025-03-02T21:17:26Z"
},
"event_name": "Price Changed",
"price_sqft": 80.20134228187919,
"source_name": "MLSUnited",
"price_change": -10500,
"days_after_listed": null,
"source_listing_id": "4097392",
"price_change_percentage": null
},
{
"date": "2024-11-22",
"price": 130000,
"listing": {
"status": "off_market",
"list_date": "2024-11-22T15:24:49Z",
"list_price": 119500,
"listing_id": "2975343193",
"last_update_date": "2024-12-14T16:00:46Z",
"last_status_change_date": "2025-03-02T21:17:26Z"
},
"event_name": "Listed",
"price_sqft": 87.24832214765101,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4097392",
"price_change_percentage": null
},
{
"date": "2010-04-13",
"price": 30000,
"listing": {
"status": "off_market",
"list_date": "2010-03-15T20:07:00Z",
"list_price": 30000,
"listing_id": "516350099",
"last_update_date": "2010-05-25T21:46:00Z",
"last_status_change_date": "2010-04-13T17:08:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "29 days",
"source_listing_id": "217093",
"price_change_percentage": null
},
{
"date": "2010-03-15",
"price": 30000,
"listing": {
"status": "off_market",
"list_date": "2010-03-15T20:07:00Z",
"list_price": 30000,
"listing_id": "516350099",
"last_update_date": "2010-05-25T21:46:00Z",
"last_status_change_date": "2010-04-13T17:08:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "217093",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7468357851",
"generated_at": "2026-02-16T23:22:44.438533Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.0
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/23db3d48ad2ceddba6fdb6fdcbea99bal-m2414929417s-w1280.jpg",
"rent_price": 1241.0,
"loan_amount": 89600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1716-Smallwood-St_Jackson_MS_39212_M74683-57851",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 112000.0,
"loan_term_years": 30,
"annual_cash_flow": 11531.19,
"mortgage_monthly": 596.11,
"payment_standard": 1620.0,
"total_amount_out": 22400.0,
"additional_photos": [
"https://ap.rdcpix.com/23db3d48ad2ceddba6fdb6fdcbea99bal-m2226824697s-w1280.jpg",
"https://ap.rdcpix.com/23db3d48ad2ceddba6fdb6fdcbea99bal-m2047597099s-w1280.jpg",
"https://ap.rdcpix.com/23db3d48ad2ceddba6fdb6fdcbea99bal-m2749974874s-w1280.jpg",
"https://ap.rdcpix.com/23db3d48ad2ceddba6fdb6fdcbea99bal-m136232182s-w1280.jpg",
"https://ap.rdcpix.com/23db3d48ad2ceddba6fdb6fdcbea99bal-m515230435s-w1280.jpg",
"https://ap.rdcpix.com/23db3d48ad2ceddba6fdb6fdcbea99bal-m1188748542s-w1280.jpg",
"https://ap.rdcpix.com/23db3d48ad2ceddba6fdb6fdcbea99bal-m2507665861s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 41.21,
"monthly_cash_flow": 960.93,
"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": "Selected based on the property having 'Central Air' cooling, using the 3-bedroom fixed rate.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected 'electric' fuel based on the property listing an 'Electric Range' as a provided appliance. The 3-bedroom rate was used.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Property's heating fuel is not specified. 'Electric' was chosen over 'electric_heat_pump' as it is the more expensive option, per the rules, for the 3-bedroom rate.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Standard fixed allowance for general electricity usage (lights, outlets) for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "A microwave is not listed as a provided appliance, so this allowance for a tenant-owned appliance applies. The 3-bedroom rate was used.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "A refrigerator is not listed as a provided appliance, so this allowance for a tenant-owned refrigerator applies. The 3-bedroom rate was used.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Selected based on the property's connection to 'Public Sewer', using the 3-bedroom fixed rate.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard fixed allowance for municipal trash service, assumed to be a tenant expense. The 3-bedroom rate was used.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Selected based on the property's connection to a 'Public' water source, using the 3-bedroom fixed rate.",
"utility": "Water",
"allowance": 104
},
{
"note": "Water heater fuel type is not specified. 'Electric' was selected for consistency with the heating fuel selection, using the 3-bedroom rate.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.51,
"down_payment_amount": 22400.0,
"property_tax_annual": 1377.11,
"property_tax_monthly": 114.76,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"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": 4377.86,
"property_management_monthly": 124.1,
"monthly_cash_flow_after_debt": 364.82,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "Likely to pass an initial HCV/NSPIRE inspection after modest, targeted fixes. The house is tenant‑occupied, structurally appears sound from photos, and systems (plumbing, stove, vents) are present. Primary issues are cosmetic and maintenance: damaged kitchen cabinetry, a removed/propped interior door (security/egress), sunroom floor damage and debris, and lack of clearly visible smoke/CO detectors and confirmed GFCI protection. Recommend: install/verify smoke and CO detectors, repair/replace the removed door and secure all entry points, repair kitchen cabinet faces and drawer doors, remove debris and repair sunroom floor, verify HVAC, water heater and electrical panel functionality and GFCI outlets. With those items addressed (many are quick fixes), the property should be rent‑ready within 2–4 weeks and pass inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 65.0,
"rationale": "Interior is generally intact and was recently updated with vinyl plank flooring, but there are multiple visible deferred maintenance items: kitchen cabinets and lower trim are worn/damaged, cabinet doors missing or misaligned, countertops and cabinet faces show heavy cosmetic wear, a door is removed and propped in the laundry area, and the sunroom floor is heavily damaged/debris-covered. These are mostly cosmetic and repair/replace tasks; missing or damaged cabinetry and the removed door will require repair but are not structural. Presence of working stove and sinks reduces penalty."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No immediately life‑threatening hazards visible (no collapsed ceilings, major cracks or standing water). However key safety items are unverified or marginal from photos: smoke/CO detectors are not clearly visible in most rooms, an interior door is removed and propped open (security/egress issue), bathroom vent shows discoloration (possible past moisture), some cabinet edges and sunroom debris create trip/cut hazards, and GFCI locations are not confirmed. Entry doors appear present but deadbolt status not visible. Overall moderate compliance risk because several NSPIRE checkpoints cannot be confirmed and a few observable issues need quick remediation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Major systems appear present but are unverified: ceiling vents indicate central HVAC likely exists but outdoor unit and operational status not shown, water heater not visible, electrical panel not shown, and no clear evidence of recent servicing. Plumbing fixtures (kitchen sink, tub, toilet) are present and appear intact. Roof shingles look aged but serviceable in photos (no visible sagging or active leaks). Given tenant occupancy and functioning kitchen appliances, systems likely operational but require verification and routine service—moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding and paint look maintained; front porch/carport structure appears sound with no visible sagging. Roof shows aged shingles and tree canopy close/overhanging roof which increases maintenance risk, but no visible large roof failures. Yard is overgrown and will need lawn maintenance; walk path is intact. Foundation and major structural elements are not visibly distressed in exterior photos. Overall exterior condition is fair-to-good with moderate maintenance needs."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Evidence (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Removed/propped interior door in laundry/utility area — security and egress hazard that must be repaired/replaced before inspection.",
"Sunroom floor: heavy tile damage/debris and likely loose tiles or damaged substrate — trip hazard and needs repair.",
"Worn/damaged kitchen cabinets and exposed cabinet edges — not immediately structural but could cause small safety issues and fail cosmetic standards.",
"No clearly visible smoke detectors or CO alarms in photos — must be installed/verified to meet NSPIRE requirements.",
"Large trees overhanging roof increase long‑term roof risk and debris/maintenance burden."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC exists (ceiling vents visible) and is operational; the outdoor condenser and furnace are present but not shown in photos.",
"Hot water and basic plumbing are functional because kitchen/bath fixtures and a stove are present and the property is currently rented.",
"No active roof leaks or major structural movement exist—roof appears aged but intact in photos; no sagging or large stains visible.",
"No evidence of active pest infestation from provided photos; sunroom debris is assumed cleanerable rather than an active infestation.",
"Electrical panel and service are present and intact inside the house but were not photographed; no obvious exposed wiring visible in photos.",
"Bedrooms (not individually shown) have code‑compliant egress windows; egress could not be independently verified from photos."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed/2-bath single-family appears largely rent-ready with mostly cosmetic repairs and some targeted safety fixes. The house shows new-looking main-floor LVP, a functioning range, intact doors/windows, and a fenced backyard. Primary inspection risks are missing/uncertain smoke & CO detectors, lack of visible GFCI protection, a removed/leaning laundry door (security hazard), and a sunroom with missing tiles/debris that could indicate localized subfloor issues. Roof appears aged with large tree overhang; systems (HVAC, water heater, electrical panel) are present but unverified. Likely passable with 1-3 small repairs plus verification/testing of alarms, GFCI, and mechanical operation — estimated time to make fully NSPIRE-compliant: 7–30 days depending on access to tenants for repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior is generally serviceable but shows cosmetic wear and deferred minor repairs: scuffed walls, damaged/misaligned cabinet doors, worn counters, one removed/leaning door in the laundry, and the sunroom with missing/loose floor tiles and debris. Newer-looking LVP flooring in main areas reduces scope of work. Appliances: electric range present; refrigerator not shown. All observed issues appear repair-level (cosmetic and carpentry) rather than structural."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 60.0,
"rationale": "Moderate NSPIRE risk. No smoke or CO detectors are visible in the photos (NSPIRE requires alarms in sleeping areas and on each level) and no visible GFCI-protected receptacles in the kitchen/bath images. The laundry area shows a detached/leaning door which is a security/hazard concern. Sunroom floor shows missing tiles and debris (trip/fall risk). No obvious exposed live wiring, collapsed ceilings, or major water intrusion visible. Entry doors/windows appear intact but deadbolt presence cannot be confirmed from photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Roof, Electrical, Plumbing)",
"score": 70.0,
"rationale": "Major systems appear present but age/condition unknown. Ceiling vents and a wall thermostat are visible (indicating central HVAC), and visible plumbing fixtures (kitchen and baths) appear intact. Roof shingles look aged but show no visible sagging or active leaks in photos; however large trees overhang the roof which elevates risk. Water heater, electrical panel and exact HVAC operational condition are not shown. Laundry hookups present. Overall systems likely functional but should be verified by in-person testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior is tidy and functional: siding and trim appear intact, a concrete walkway leads to the porch, and a fenced backyard is noted in the listing. Grass is a bit overgrown but no visible foundation movement, major siding failure, or standing water. Large trees close to the roof present a maintenance concern (gutter/debris/roof damage risk). Carport/covered parking appears serviceable."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Removed/leaning exterior door in laundry area (security and egress concern) — needs replacement/secure installation prior to move-in.",
"Sunroom has missing/loose floor tiles and debris — possible subfloor damage or trip hazards that must be repaired.",
"No visible smoke detectors or CO alarm in photos (NSPIRE failure risk) — alarms required in sleeping areas and on each level.",
"No visible GFCI outlets in kitchen/bath photos (NSPIRE/electrical safety risk) — GFCI protection required at wet locations.",
"Large mature trees overhanging roof — increased long-term roof damage risk and debris concerns."
],
"confidence": 0.7,
"assumptions": [
"Property is tenant-occupied (listing warns tenants present) so interior photos are representative but not a full walkthrough; some conditions may be hidden.",
"Central HVAC exists and is operational — inferred from visible ceiling vents and wall thermostat; full function not verified.",
"Hot water and plumbing are functional — inferred from faucets/sink and active tenancy but not directly tested.",
"Electrical service/panel is intact and grounded; no exposed live wiring visible in photos, but panel condition not shown.",
"Refrigerator is not pictured and may be tenant-supplied; absence of refrigerator would be a moderate repair item but not an automatic safety fail.",
"Smoke and CO detectors are not visible in provided photos; therefore treated as likely missing or unverified for scoring.",
"GFCI protection in kitchen and bathroom is not visible in photos and treated as likely missing or unverified.",
"Sunroom subfloor integrity is uncertain; missing tiles and debris may indicate localized floor repair but no evidence of full structural failure."
],
"overall_score": 76.0,
"rubric_version": "nsPIRE-2026-v1"
},
{
"summary": "This is a mostly sound 1964 single-family rental with no visible structural failures. Interiors show cosmetic wear, some cabinet and door repairs, and a cluttered/damaged sunroom that will need remediation. Safety/NSPIRE risks include absence of visible smoke/CO alarms, possible lack of GFCI protection at kitchen counters, and a detached door in the laundry that must be secured. Major systems show signs of being present (ceiling vents, thermostat, electric range) but mechanicals (panel, water heater, HVAC condensing unit) were not photographed and should be confirmed. Likely passable on an initial HCV inspection after 1–3 weeks of targeted fixes (install/verify alarms, rehang/repair door, replace/secure cabinetry, clean and repair sunroom floor, verify GFCI outlets), though some repairs may take longer if mechanical issues are discovered.",
"criteria": [
{
"key": "condition_repairs",
"label": "Overall condition & visible repairs",
"score": 65.0,
"rationale": "Interior and exterior appear structurally intact with recent-looking vinyl plank floors and painted surfaces, but there is noticeable deferred cosmetic maintenance: worn/damaged kitchen cabinet doors, chipped cabinet faces, scuffed trim, a detached/removed door in the laundry area, and debris/damaged tile in the sunroom. Stove is present; refrigerator not shown. These are mostly cosmetic/finish and medium-effort repairs that should not require major structural work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "No visible smoke detectors or CO alarm in photos (NSPIRE requires alarms in sleeping areas/hallways). The laundry shows a detached exterior-type door leaning inside which is a security/hazard issue until reinstalled. Kitchen outlets and counters show standard outlets but GFCI protection at counters is not evident. Sunroom has debris and broken tiles (trip hazard). No exposed wiring or collapsed ceilings observed, but lack of visible alarms and door condition create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, electrical, plumbing, water heater",
"score": 60.0,
"rationale": "Roof appears intact with no visible sagging or active leaks from exterior photos but has large tree overhang which raises future-maintenance risk. Ceiling vents and a thermostat on the wall suggest central HVAC is present, but no condenser or water heater is shown. Stove (electric) present and appears functional. Laundry hookups visible. Electrical panel, water heater, and service condition are not shown, so scored conservatively based on visible finishes and installed HVAC vents."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site conditions",
"score": 75.0,
"rationale": "Exterior siding and paint look serviceable; walk path and carport are intact. Yard is somewhat overgrown but fenced backyard is present (positive). Large mature trees overhang the roof (roof debris/blocking gutters risk). No visible foundation cracks, standing water, or major exterior deterioration in the photos."
},
{
"key": "rental_history_activity",
"label": "Recent 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": [
"Detached/removed door left inside laundry area — security / egress concern until reinstalled or replaced.",
"No visible smoke detectors or CO alarms in photographed areas — NSPIRE failure risk unless present elsewhere.",
"Sunroom shows broken/missing floor tiles and debris — trip hazard and possible need for floor replacement.",
"Kitchen cabinets and some trim are damaged or loose (one cabinet face appears detached) — could create minor safety hazards and will need repair."
],
"confidence": 0.7,
"assumptions": [
"Interior photos are representative of the entire unit (no unseen major damage elsewhere).",
"Central HVAC exists and vents shown are operational; a functioning heating/cooling system is present though outdoor unit is not photographed.",
"Water heater and electrical service are present and functional but were not photographed.",
"Refrigerator is not pictured; absence from photos was treated as a moderate logistics issue, not a fatal inspection failure.",
"Detached door photographed in laundry is either an exterior door removed for tenant/owner reasons and can be reinstalled or replaced quickly.",
"No active roof leaks are present despite tree overhang (no water staining visible on interior ceilings in photos).",
"Smoke and CO alarms are not visible in photos and should be treated as absent until verified.",
"Kitchen countertop outlets likely are not GFCI-protected (not clearly visible), so GFCI installation may be required.",
"Sunroom floor tile damage is limited to surface tiles and not an indicator of structural framing failure.",
"Electrical panel, plumbing shutoffs and water heater location are serviceable; if any are in poor condition, repair scope and timeline will increase."
],
"overall_score": 68.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1716 Smallwood St, Jackson, MS, 39212",
"aggregate": {
"summary": "Likely to pass an initial HCV/NSPIRE inspection after modest, targeted fixes. The house is tenant‑occupied, structurally appears sound from photos, and systems (plumbing, stove, vents) are present. Primary issues are cosmetic and maintenance: damaged kitchen cabinetry, a removed/propped interior door (security/egress), sunroom floor damage and debris, and lack of clearly visible smoke/CO detectors and confirmed GFCI protection. Recommend: install/verify smoke and CO detectors, repair/replace the removed door and secure all entry points, repair kitchen cabinet faces and drawer doors, remove debris and repair sunroom floor, verify HVAC, water heater and electrical panel functionality and GFCI outlets. With those items addressed (many are quick fixes), the property should be rent‑ready within 2–4 weeks and pass inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 68.3,
"rationale": "Interior is generally intact and was recently updated with vinyl plank flooring, but there are multiple visible deferred maintenance items: kitchen cabinets and lower trim are worn/damaged, cabinet doors missing or misaligned, countertops and cabinet faces show heavy cosmetic wear, a door is removed and propped in the laundry area, and the sunroom floor is heavily damaged/debris-covered. These are mostly cosmetic and repair/replace tasks; missing or damaged cabinetry and the removed door will require repair but are not structural. Presence of working stove and sinks reduces penalty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 76.7,
"rationale": "Exterior siding and paint look maintained; front porch/carport structure appears sound with no visible sagging. Roof shows aged shingles and tree canopy close/overhanging roof which increases maintenance risk, but no visible large roof failures. Yard is overgrown and will need lawn maintenance; walk path is intact. Foundation and major structural elements are not visibly distressed in exterior photos. Overall exterior condition is fair-to-good with moderate maintenance needs."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Evidence (last 5 years)",
"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 Risk (NSPIRE)",
"score": 58.3,
"rationale": "No immediately life‑threatening hazards visible (no collapsed ceilings, major cracks or standing water). However key safety items are unverified or marginal from photos: smoke/CO detectors are not clearly visible in most rooms, an interior door is removed and propped open (security/egress issue), bathroom vent shows discoloration (possible past moisture), some cabinet edges and sunroom debris create trip/cut hazards, and GFCI locations are not confirmed. Entry doors appear present but deadbolt status not visible. Overall moderate compliance risk because several NSPIRE checkpoints cannot be confirmed and a few observable issues need quick remediation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 63.3,
"rationale": "Major systems appear present but are unverified: ceiling vents indicate central HVAC likely exists but outdoor unit and operational status not shown, water heater not visible, electrical panel not shown, and no clear evidence of recent servicing. Plumbing fixtures (kitchen sink, tub, toilet) are present and appear intact. Roof shingles look aged but serviceable in photos (no visible sagging or active leaks). Given tenant occupancy and functioning kitchen appliances, systems likely operational but require verification and routine service—moderate risk."
}
],
"red_flags": [
"Removed/propped interior door in laundry/utility area — security and egress hazard that must be repaired/replaced before inspection.",
"Sunroom floor: heavy tile damage/debris and likely loose tiles or damaged substrate — trip hazard and needs repair.",
"Worn/damaged kitchen cabinets and exposed cabinet edges — not immediately structural but could cause small safety issues and fail cosmetic standards.",
"No clearly visible smoke detectors or CO alarms in photos — must be installed/verified to meet NSPIRE requirements.",
"Large trees overhanging roof increase long‑term roof risk and debris/maintenance burden."
],
"confidence": 0.82,
"assumptions": [
"Central HVAC exists (ceiling vents visible) and is operational; the outdoor condenser and furnace are present but not shown in photos.",
"Hot water and basic plumbing are functional because kitchen/bath fixtures and a stove are present and the property is currently rented.",
"No active roof leaks or major structural movement exist—roof appears aged but intact in photos; no sagging or large stains visible.",
"No evidence of active pest infestation from provided photos; sunroom debris is assumed cleanerable rather than an active infestation.",
"Electrical panel and service are present and intact inside the house but were not photographed; no obvious exposed wiring visible in photos.",
"Bedrooms (not individually shown) have code‑compliant egress windows; egress could not be independently verified from photos."
],
"score_method": "mean_of_criteria",
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7468357851"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.