Property ID: 7470115524
3648 Molestage Slack Rd, Pickens, MS, 39146
Pickens, MS
Money Down: $13,200
CoC Return: 42.68%
Monthly Cash Flow: $469
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$11,000
Closing Costs
$2,200
Total Down
$13,200
Investment Snapshot
Purchase Price
$55,000
Money Down
$13,200
Cash-on-Cash Return
42.68%
Rent
$978
Monthly Cash Flow
$469
Annual Cash Flow
$5,634
Debt Service / Mo
$293
Property Tax / Mo
$68
Insurance / Mo
$50
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$978
Payment Standard
$1,360
Rent
$978
Insurance
$50
Property Tax
$68
Management
$98
Utilities Allowance
$382
NOI (Monthly)
$762
Debt Service
$293
Cash Flow After Debt
$469
Quality Score: 63.20%
Confidence: 85.00%
This brick single-story property shows several positive attributes for a Section 8/NSPIRE inspection (recent roof replacement, new septic, intact masonry, included major appliances). Exterior condition is generally sound and the site is spacious. Primary risks are unknown interior conditions (smoke/CO detectors, egress windows, GFCIs), an aged/rusted above-ground propane tank that requires safety inspection or replacement, and lack of visible external HVAC equipment/documentation of heating/hot water. With relatively minor to moderate repairs and confirmation/installation of required life-safety devices, the home is likely able to pass an initial HCV inspection within 30 days; however an on-site verification of heating, detectors, electrical panel and water heater is required.
Section 8 Payment Standard
$1,360
Utility Allowance Total
$382
Guaranteed Section 8 Rent (PS - Utilities)
$978
Property Management
$98
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$55,000
Beds
4
Baths
2.5
Living Area
1,368 sqft
Lot Size
43,560 sqft
Year Built
1978
Days on Market
41
Capital Outlay
$13,200
Debt Service
$293
Property Tax / Mo
$68
Insurance / Mo
$50
Property Description
Charming 4-Bedroom Brick Home on 1+/- Acre - Ideal Hunting Camp or Family Fixer-Upper Discover the potential in this 1,368 sq. ft. brick home situated on approximately 1 acre in a quiet country setting. Featuring 4 bedrooms and 1.5 baths, this property offers ample space and flexibility-perfect for a cozy family residence, weekend retreat, or hunting camp. The home needs some TLC, making it an excellent opportunity for buyers looking to add value and personalize the space. The property comes furnished with a washer, dryer, refrigerator, small freezer, gas range, four beds, and several dressers, providing a convenient starting point for occupancy or renovation. Enjoy the durability and classic appeal of brick construction, along with key recent upgrades including a roof replaced in 2018 and a new septic system installed in 2023. With plenty of outdoor space, there's room for parking, recreation, and relaxing in the peaceful rural surroundings. Located near Panther Swamp NWR, Hillside NWR, and Delta National Forest, outdoor enthusiasts will appreciate the exceptional hunting, fishing, and wildlife opportunities nearby. Property Highlights: 1+/- acre lot 1,368 sq. ft. brick home 4 bedrooms, 1.5 baths Comes with washer, dryer, refrigerator, small freezer & gas range Four beds and several dressers included Roof replaced in 2018 New septic system in 2023 Needs TLC - great fixer-upper potential Ideal for a family home or hunting camp Near Panther Swamp NWR, Hillside NWR & Delta National Forest Peaceful rural setting Sold As-Is, Where-Is Bring your vision and make this property your own-opportunities like this don't come around often!
Utility Allowances
Heating
$99
Selected 'bottled_gas' (propane) for a 4-bedroom unit, as property details explicitly mention propane heating.
Cooking
$37
Selected 'bottled_gas' (propane) for a 4-bedroom unit. Property has a 'gas range' and uses propane for heat, so propane cooking is assumed.
Water Heating
$86
Selected 'bottled_gas' (propane) for a 4-bedroom unit, assuming the water heater uses the same fuel as the primary heating source.
Air Conditioning
$16
Standard allowance for a 4-bedroom single-family home in this climate, included as a typical tenant-paid utility.
Other Electric
$88
Standard allowance for general electricity (lights, outlets, etc.) for a 4-bedroom unit.
Water
$37
Selected for a 4-bedroom unit as property details indicate a 'Community' water source.
Sewer
$0
Allowance is $0 because property details state it has a new septic system, indicating no municipal sewer cost for the tenant.
Trash Collection
$19
Standard fixed allowance for a single-family home.
Refrigerator
$0
Allowance is $0 because the property description explicitly states a refrigerator is included.
Range/Microwave
$0
Allowance is $0 because the property description explicitly states a gas range is included.
Source References
Utility Allowance Source
Effective Date:
Dec 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$587
DP3 Annual Estimate$613
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$51
Replacement Value$33,690
Basis1,368 sqft / 1978
Nearby Houses
No nearby houses were returned.
Risk and Criteria Detail
Red Flags
- success
- Aged/rusted above-ground propane tank immediately adjacent to house — requires safety inspection or replacement prior to tenancy.
- No visible smoke or carbon monoxide detectors in photos — life-safety devices must be verified/installed.
- Heating system not documented on exterior photos (no visible exterior condenser); operational heating source must be confirmed on-site.
- Debris/vegetation piles close to foundation (fire/pest hazard) should be removed and site cleaned.
Assumptions
- Interior photos not provided — assumed moderate interior wear consistent with listing 'needs TLC' but no major structural failure.
- Listing statements are accurate: roof replaced in 2018 and septic replaced in 2023.
- Included appliances (refrigerator, washer, dryer, gas range) are present and in at least operable condition unless proven otherwise.
- Visible flue/chimney indicates some form of vented heating appliance is present, but operational status is unknown.
- No evidence of active roof leaks, significant foundation movement, or collapsed ceilings based on available exterior photos.
- Local code requires functioning smoke detectors and CO alarms (typical), but none are visible in supplied images.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $792 | $41,190 | $6,179 |
| 2024 | $762 | $41,190 | $6,179 |
| 2023 | $694 | $39,560 | $5,935 |
| 2022 | $694 | $39,560 | $5,935 |
| 2021 | $687 | $39,560 | $5,935 |
| 2020 | $680 | $39,560 | $5,935 |
| 2019 | $659 | $38,720 | $5,809 |
| 2018 | $659 | $38,720 | $5,809 |
| 2017 | $659 | $38,720 | $5,809 |
| 2016 | $659 | $38,720 | $5,809 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-06 | Listed | $55,000 |
Photo Gallery
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"market": {
"land": 7500,
"total": 41190,
"building": 33690
},
"assessment": {
"land": null,
"total": 6179,
"building": null
}
},
{
"tax": 694,
"year": 2023,
"market": {
"land": 7500,
"total": 39560,
"building": 32060
},
"assessment": {
"land": null,
"total": 5935,
"building": null
}
},
{
"tax": 694,
"year": 2022,
"market": {
"land": 7500,
"total": 39560,
"building": 32060
},
"assessment": {
"land": null,
"total": 5935,
"building": null
}
},
{
"tax": 687,
"year": 2021,
"market": {
"land": 7500,
"total": 39560,
"building": 32060
},
"assessment": {
"land": null,
"total": 5935,
"building": null
}
},
{
"tax": 680,
"year": 2020,
"market": {
"land": 7500,
"total": 39560,
"building": 32060
},
"assessment": {
"land": null,
"total": 5935,
"building": null
}
},
{
"tax": 659,
"year": 2019,
"market": {
"land": 7500,
"total": 38720,
"building": 31220
},
"assessment": {
"land": null,
"total": 5809,
"building": null
}
},
{
"tax": 659,
"year": 2018,
"market": {
"land": 7500,
"total": 38720,
"building": 31220
},
"assessment": {
"land": null,
"total": 5809,
"building": null
}
},
{
"tax": 659,
"year": 2017,
"market": {
"land": 7500,
"total": 38720,
"building": 31220
},
"assessment": {
"land": null,
"total": 5809,
"building": null
}
},
{
"tax": 659,
"year": 2016,
"market": {
"land": 7500,
"total": 38720,
"building": 31220
},
"assessment": {
"land": null,
"total": 5809,
"building": null
}
}
],
"property_history": [
{
"date": "2026-01-06",
"price": 55000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-06T15:51:42Z",
"list_price": 55000,
"listing_id": "2990018583",
"last_update_date": "2026-02-09T23:07:50Z",
"last_status_change_date": "2026-02-09T23:09:38Z"
},
"event_name": "Listed",
"price_sqft": 40.2046783625731,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4135176",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7470115524",
"generated_at": "2026-02-16T22:37:42.882496Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 63.2
},
"utility_allowance": {
"zip_code": "39146",
"home_photo": "https://ap.rdcpix.com/f030792e91421edb636366cb79a29776l-m2386957792s-w1280.jpg",
"rent_price": 978.0,
"loan_amount": 44000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3648-Molestage-Slack-Rd_Pickens_MS_39146_M74701-15524",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 55000.0,
"loan_term_years": 30,
"annual_cash_flow": 9146.64,
"mortgage_monthly": 292.73,
"payment_standard": 1360.0,
"total_amount_out": 11000.0,
"additional_photos": [
"https://ap.rdcpix.com/f030792e91421edb636366cb79a29776l-m1585646395s-w1280.jpg",
"https://ap.rdcpix.com/f030792e91421edb636366cb79a29776l-m328620373s-w1280.jpg",
"https://ap.rdcpix.com/f030792e91421edb636366cb79a29776l-m3219873290s-w1280.jpg",
"https://ap.rdcpix.com/f030792e91421edb636366cb79a29776l-m3375706508s-w1280.jpg",
"https://ap.rdcpix.com/f030792e91421edb636366cb79a29776l-m3090873366s-w1280.jpg",
"https://ap.rdcpix.com/f030792e91421edb636366cb79a29776l-m308169527s-w1280.jpg",
"https://ap.rdcpix.com/f030792e91421edb636366cb79a29776l-m3115841243s-w1280.jpg",
"https://ap.rdcpix.com/f030792e91421edb636366cb79a29776l-m2017122603s-w1280.jpg",
"https://ap.rdcpix.com/f030792e91421edb636366cb79a29776l-m2178334527s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 50.0,
"monthly_cash_flow": 762.22,
"property_tax_rate": 0.0097,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Non%20Metro%20Single%20Family%20Detached.pdf"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Selected 'bottled_gas' (propane) for a 4-bedroom unit, as property details explicitly mention propane heating.",
"utility": "Heating",
"allowance": 99
},
{
"note": "Selected 'bottled_gas' (propane) for a 4-bedroom unit. Property has a 'gas range' and uses propane for heat, so propane cooking is assumed.",
"utility": "Cooking",
"allowance": 37
},
{
"note": "Selected 'bottled_gas' (propane) for a 4-bedroom unit, assuming the water heater uses the same fuel as the primary heating source.",
"utility": "Water Heating",
"allowance": 86
},
{
"note": "Standard allowance for a 4-bedroom single-family home in this climate, included as a typical tenant-paid utility.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Standard allowance for general electricity (lights, outlets, etc.) for a 4-bedroom unit.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Selected for a 4-bedroom unit as property details indicate a 'Community' water source.",
"utility": "Water",
"allowance": 37
},
{
"note": "Allowance is $0 because property details state it has a new septic system, indicating no municipal sewer cost for the tenant.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Standard fixed allowance for a single-family home.",
"utility": "Trash Collection",
"allowance": 19
},
{
"note": "Allowance is $0 because the property description explicitly states a refrigerator is included.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Allowance is $0 because the property description explicitly states a gas range is included.",
"utility": "Range/Microwave",
"allowance": 0
}
],
"cash_on_cash_return": 0.83,
"down_payment_amount": 11000.0,
"property_tax_annual": 815.76,
"property_tax_monthly": 67.98,
"property_tax_increase": 0.03,
"utility_allowance_total": 382.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.hud.gov/program_offices/public_indian_housing/programs/hcv",
"https://www.huduser.gov/portal/datasets/payment_standards_by_zip.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 5633.84,
"property_management_monthly": 97.8,
"monthly_cash_flow_after_debt": 469.49,
"cash_on_cash_return_after_debt": 0.51
},
"section8_assessment": {
"runs": [
{
"summary": "This brick single-story property shows several positive attributes for a Section 8/NSPIRE inspection (recent roof replacement, new septic, intact masonry, included major appliances). Exterior condition is generally sound and the site is spacious. Primary risks are unknown interior conditions (smoke/CO detectors, egress windows, GFCIs), an aged/rusted above-ground propane tank that requires safety inspection or replacement, and lack of visible external HVAC equipment/documentation of heating/hot water. With relatively minor to moderate repairs and confirmation/installation of required life-safety devices, the home is likely able to pass an initial HCV inspection within 30 days; however an on-site verification of heating, detectors, electrical panel and water heater is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Exterior brick shell appears intact and roof was reportedly replaced in 2018. Listing states appliances (fridge, washer/dryer, gas range) are included. Visible deferred items are piles of yard debris, rusted propane tank, some window coverings/damage and general 'TLC' called out in listing. No major structural cracking or collapsed elements visible. Interior condition not shown — assumed moderate wear given 'fixer-upper' language. Missing interior cosmetics and small repairs likely but no catastrophic deferred maintenance apparent."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 58.0,
"rationale": "No smoke or CO detectors are visible in photos; egress windows, GFCI locations, and interior electrical conditions are not shown. Exterior shows an older, rusted above-ground propane tank which is a potential safety concern and should be inspected/pressure-tested or replaced. No exposed electrical wiring is visible on exterior; service meter and overhead feed appear intact. Ground-level debris near foundation and vegetation close to house present trip/pest/fire risks. Roof shows no visible active leaks from exterior photos. Because critical life-safety items (detectors, interior electrical, functioning heating/hot water) are undocumented, there is moderate NSPIRE risk that must be confirmed onsite."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Plumbing, Electrical, Septic)",
"score": 62.0,
"rationale": "Positive: listing states roof replaced 2018 and septic replaced 2023 — both reduce major system risk. Electrical meter and service drop present externally. Unknowns: no exterior HVAC condenser visible and no photos of water heater or furnace; a flue/chimney pipe is visible suggesting a vented appliance (wood stove or furnace) but its operational status is unknown. Plumbing fixtures, hot water availability and electrical panel condition cannot be confirmed from photos. Overall likely functional but requires verification of heating, cooling (if required in jurisdiction), water heater, GFCIs and panel condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick exterior and foundation appear level with no obvious settlement or major cracks. Lot is spacious (approx 1 acre) with cleared yard and mature tree line. Some overgrown brush near property edges and piles of vegetation/debris close to the structure are visible and should be cleared. The propane tank is rusted and sited near the house; recommend professional evaluation or removal. Driveway/walkways look serviceable from photos. No visible standing water, severe erosion or collapsed exterior elements observed."
}
],
"red_flags": [
"Aged/rusted above-ground propane tank immediately adjacent to house — requires safety inspection or replacement prior to tenancy.",
"No visible smoke or carbon monoxide detectors in photos — life-safety devices must be verified/installed.",
"Heating system not documented on exterior photos (no visible exterior condenser); operational heating source must be confirmed on-site.",
"Debris/vegetation piles close to foundation (fire/pest hazard) should be removed and site cleaned."
],
"confidence": 0.6,
"assumptions": [
"Interior photos not provided — assumed moderate interior wear consistent with listing 'needs TLC' but no major structural failure.",
"Listing statements are accurate: roof replaced in 2018 and septic replaced in 2023.",
"Included appliances (refrigerator, washer, dryer, gas range) are present and in at least operable condition unless proven otherwise.",
"Visible flue/chimney indicates some form of vented heating appliance is present, but operational status is unknown.",
"No evidence of active roof leaks, significant foundation movement, or collapsed ceilings based on available exterior photos.",
"Local code requires functioning smoke detectors and CO alarms (typical), but none are visible in supplied images."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate inspection risk. Exterior shell, roof (2018) and septic (2023) are positives; property appears structurally intact from exterior photos. However, critical NSPIRE verification items are missing from the documentation/photos (smoke/CO detectors, GFCI, heating system, hot water, electrical panel). The rusted propane tank near the house and brush/trees close to the structure increase safety and maintenance attention. Expect to need 30+ days of targeted repairs/verification (install/verify detectors, confirm/repair heating and hot water, electrical/GFCI checks, site cleanup and propane/tank inspection) before passing a Housing Choice Voucher (Section 8 / NSPIRE) initial inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / repairs",
"score": 65.0,
"rationale": "Exterior photos show generally sound brick shell and a relatively new roof (2018) and new septic (2023 noted in listing). Visible deferred items are yard debris piles, rust/staining on lower brick, some window maintenance/casement concerns and general 'TLC' called out in the listing. Appliances are said to be included (washer, dryer, refrigerator, gas range) so missing-appliance risk is low. No major exterior structural damage is visible. Interior condition not shown so moderate allowance made for typical cosmetic/fixture fixes."
},
{
"key": "safety_code",
"label": "Safety / code risk (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE safety items cannot be confirmed from exterior photos: smoke/CO detectors, GFCIs, egress compliance, hot water and functioning heating. Exterior shows an above-ground propane tank (rusted surface) close to the house which is a safety concern that should be inspected. Overhead electrical feed and meter are visible but no exposed conductors are obvious from photos. No signs of collapsed ceilings, active standing water, severe mold, or major foundation movement visible. Because critical life-safety items (smoke/CO, GFCI, heating/hot water) are not documented, the property carries moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems / mechanical (roof, HVAC, plumbing, electrical)",
"score": 50.0,
"rationale": "Positive: listing states roof replaced 2018 and septic replaced 2023. Visible electrical meter and overhead service appear present. Negative/unknown: no exterior AC condenser or explicit heating system is visible in photos; hot water heater and electrical panel not shown. The propane tank suggests the gas range and possibly heating source are propane-fueled, but operability and safe installation are unknown. Given the mix of confirmed recent major work (roof, septic) and unknown critical systems (heat, water heater, electrical panel, HVAC), score reflects moderate system risk and likely need for verification/repairs."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 68.0,
"rationale": "Brick exterior and roofline appear intact with no visible major cracking or sagging. Lot is large and generally clear, though there are brush/trees close to the structure on two sides which can increase pest risk and require trimming. Drive/yard areas are unpaved; small concrete landing at back door is present. Piles of brush/debris and a rusted propane tank near the building reduce curb readiness. Overall exterior envelope appears solid but site cleanup and propane/tank inspection recommended."
}
],
"red_flags": [
"No visible heating system or condenser documented in photos — heating source and operability must be verified (major NSPIRE requirement).",
"Rusted/aged above-ground propane tank adjacent to the house — requires service/inspection and safe mounting/clearance.",
"No smoke detectors or carbon monoxide detectors visible in the documentation (not shown in photos) — NSPIRE requires properly located, working detectors prior to approval."
],
"confidence": 0.6,
"assumptions": [
"Interior condition (walls, ceilings, floors, plumbing fixtures, smoke/CO detectors, GFCI outlets, water heater, electrical panel) is unknown and not visible in provided photos.",
"Listing statement that the property 'comes with' refrigerator, gas range, washer/dryer is accurate and appliances are present but their operational condition is unverified.",
"Heating exists (likely propane or alternative) but no external central HVAC condenser is visible; absence of visible heating equipment increases risk and is assumed to require verification/service.",
"New septic (2023) and roof replacement (2018) as stated in listing are assumed accurate and in functional condition unless proven otherwise.",
"No interior evidence of major structural issues (sagging, collapsed ceilings) is visible from exterior photos; assume none evident but a full interior inspection is required to confirm."
],
"overall_score": 59.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears structurally intact and partially turnkey from the exterior — recent roof and septic replacements are strong positives. Major unknowns are interior condition, presence/operation of heating and hot water, and safety items required by NSPIRE (smoke/CO detectors, GFCI, bedroom egress). Expect moderate prep to pass an initial voucher inspection: likely minor-to-moderate repairs, safety device installations, and mechanical verifications (30 days typical) if interior systems are functional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Exterior brick shell appears sound, roof reported replaced in 2018 (photos show intact shingles), and septic new in 2023 per listing. Visible issues are largely cosmetic and site cleanup: yard debris pile at front, rust/staining on lower brick near grade, some window hardware/trim that appear aged. Listing states property 'needs TLC' but includes major appliances (washer, dryer, refrigerator, gas range). No evidence of collapsed or severe structural defect from exterior photos. Missing interior photos create uncertainty about flooring, cabinets, drywall and bath condition; those are likely moderate cosmetic work. Missing appliances would only be a moderate deduction but listing indicates most are present."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No obvious life‑threatening conditions visible (no collapsed ceilings, standing water, visible large foundation movement). However critical NSPIRE items cannot be confirmed from photos: smoke/CO detectors, GFCI in kitchen/bath, bedroom egress windows, interior handrails and functional plumbing/hot water. Exterior shows a rusted above‑ground propane tank close to the house which is a potential gas safety concern and requires certification/inspection. Overhead service line is present and should be checked for proper clearances. Vegetation close to foundation could hide pest entry or create drainage issues. Because many code items are unverified, assign a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 58.0,
"rationale": "Positive indicators: roof replaced in 2018, septic system replaced in 2023 (both reduce major near‑term risk). Visible electrical meter and service drop indicate service to the house. However no exterior central HVAC condenser is visible in the photos and heating source is not documented — a metal chimney/vent is present suggesting a vented appliance (furnace or wood stove) but system type and operability are unknown. Water heater, plumbing, circuit/ground fault protection and hot water supply are not visible. Given new septic and sound roof but unknown heating/electrical/plumbing condition, score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Property sits on ~1 acre with ample clear yard and no visible standing water or severe erosion. Brick walls and eaves appear intact; rear concrete stoop and entry exist. Trees and brush are close to the house perimeter and require trimming to reduce pests/roof damage risk. The propane tank is rusted and should be inspected/removed or certified. Minor grading near foundation and some soil staining observed; recommend clearing vegetation from foundation perimeter and confirming positive drainage away from foundation. Driveway/walkway appear serviceable from photos."
}
],
"red_flags": [
"Rusted above‑ground propane tank located near the house — potential gas safety hazard that requires certification/repair/relocation before occupancy.",
"No visible exterior central AC condenser or clearly identified heating unit in photos — heating system not confirmed and must be verified to meet NSPIRE heating requirements.",
"Overhead electrical service drop visible — inspector should verify proper clearance and that the service connection is secure."
],
"confidence": 0.6,
"assumptions": [
"Roof replaced in 2018 and septic replaced in 2023 as stated in listing are accurate.",
"Listing appliances (washer, dryer, refrigerator, small freezer, gas range) are present and in at least operable condition as described.",
"Interior condition (drywall, flooring, bathrooms, smoke/CO detectors, GFCI outlets) is unknown — assumed average for a 'needs TLC' fixer-upper but not severely damaged.",
"Heating system exists inside (likely propane-fired or vented appliance indicated by a vent pipe) though no outdoor condenser was observed in photos; operability unconfirmed.",
"Electrical service is active (meter and service drop present) but internal panel condition and GFCI protection are unverified.",
"No obvious structural movement or roof leak evidence was visible from exterior photos; interior inspection could reveal additional issues."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3648 Molestage Slack Rd, Pickens, MS, 39146",
"aggregate": {
"summary": "This brick single-story property shows several positive attributes for a Section 8/NSPIRE inspection (recent roof replacement, new septic, intact masonry, included major appliances). Exterior condition is generally sound and the site is spacious. Primary risks are unknown interior conditions (smoke/CO detectors, egress windows, GFCIs), an aged/rusted above-ground propane tank that requires safety inspection or replacement, and lack of visible external HVAC equipment/documentation of heating/hot water. With relatively minor to moderate repairs and confirmation/installation of required life-safety devices, the home is likely able to pass an initial HCV inspection within 30 days; however an on-site verification of heating, detectors, electrical panel and water heater is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 67.3,
"rationale": "Exterior brick shell appears intact and roof was reportedly replaced in 2018. Listing states appliances (fridge, washer/dryer, gas range) are included. Visible deferred items are piles of yard debris, rusted propane tank, some window coverings/damage and general 'TLC' called out in listing. No major structural cracking or collapsed elements visible. Interior condition not shown — assumed moderate wear given 'fixer-upper' language. Missing interior cosmetics and small repairs likely but no catastrophic deferred maintenance apparent."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.7,
"rationale": "Brick exterior and foundation appear level with no obvious settlement or major cracks. Lot is spacious (approx 1 acre) with cleared yard and mature tree line. Some overgrown brush near property edges and piles of vegetation/debris close to the structure are visible and should be cleared. The propane tank is rusted and sited near the house; recommend professional evaluation or removal. Driveway/walkways look serviceable from photos. No visible standing water, severe erosion or collapsed exterior elements observed."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 57.7,
"rationale": "No smoke or CO detectors are visible in photos; egress windows, GFCI locations, and interior electrical conditions are not shown. Exterior shows an older, rusted above-ground propane tank which is a potential safety concern and should be inspected/pressure-tested or replaced. No exposed electrical wiring is visible on exterior; service meter and overhead feed appear intact. Ground-level debris near foundation and vegetation close to house present trip/pest/fire risks. Roof shows no visible active leaks from exterior photos. Because critical life-safety items (detectors, interior electrical, functioning heating/hot water) are undocumented, there is moderate NSPIRE risk that must be confirmed onsite."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Plumbing, Electrical, Septic)",
"score": 56.7,
"rationale": "Positive: listing states roof replaced 2018 and septic replaced 2023 — both reduce major system risk. Electrical meter and service drop present externally. Unknowns: no exterior HVAC condenser visible and no photos of water heater or furnace; a flue/chimney pipe is visible suggesting a vented appliance (wood stove or furnace) but its operational status is unknown. Plumbing fixtures, hot water availability and electrical panel condition cannot be confirmed from photos. Overall likely functional but requires verification of heating, cooling (if required in jurisdiction), water heater, GFCIs and panel condition."
}
],
"red_flags": [
"Aged/rusted above-ground propane tank immediately adjacent to house — requires safety inspection or replacement prior to tenancy.",
"No visible smoke or carbon monoxide detectors in photos — life-safety devices must be verified/installed.",
"Heating system not documented on exterior photos (no visible exterior condenser); operational heating source must be confirmed on-site.",
"Debris/vegetation piles close to foundation (fire/pest hazard) should be removed and site cleaned."
],
"confidence": 0.85,
"assumptions": [
"Interior photos not provided — assumed moderate interior wear consistent with listing 'needs TLC' but no major structural failure.",
"Listing statements are accurate: roof replaced in 2018 and septic replaced in 2023.",
"Included appliances (refrigerator, washer, dryer, gas range) are present and in at least operable condition unless proven otherwise.",
"Visible flue/chimney indicates some form of vented heating appliance is present, but operational status is unknown.",
"No evidence of active roof leaks, significant foundation movement, or collapsed ceilings based on available exterior photos.",
"Local code requires functioning smoke detectors and CO alarms (typical), but none are visible in supplied images."
],
"score_method": "mean_of_criteria",
"overall_score": 63.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7470115524"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.