Property ID: 7482705239
952 Palm St, Jackson, MS, 39212
Jackson, MS
Money Down: $10,776
CoC Return: 76.13%
Monthly Cash Flow: $684
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$8,980
Closing Costs
$1,796
Total Down
$10,776
Investment Snapshot
Purchase Price
$44,900
Money Down
$10,776
Cash-on-Cash Return
76.13%
Rent
$1,238
Monthly Cash Flow
$684
Annual Cash Flow
$8,204
Debt Service / Mo
$239
Property Tax / Mo
$144
Insurance / Mo
$47
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,238
Payment Standard
$1,790
Rent
$1,238
Insurance
$47
Property Tax
$144
Management
$124
Utilities Allowance
$552
NOI (Monthly)
$923
Debt Service
$239
Cash Flow After Debt
$684
Quality Score: 60.10%
Confidence: 86.00%
This 4 bed/2 bath 1969 single-family home appears moderately rentable with targeted repairs. Major visible issues are ceiling staining (possible roof or plumbing leak), cosmetic wall/paint repairs, and no visible smoke/CO detectors. Systems (HVAC, roof, electrical, plumbing) appear present but are not fully verifiable from photos; functional checks will be required. With smoke/CO installation, ceiling repair, verification/repair of any leak source, and installation/verification of required GFCI and other code items, the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks. Missing kitchen appliances are likely but are a moderate, fixable issue and should not alone prevent passing if other safety items are corrected.
Section 8 Payment Standard
$1,790
Utility Allowance Total
$552
Guaranteed Section 8 Rent (PS - Utilities)
$1,238
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$44,900
Beds
4
Baths
2
Living Area
1,503 sqft
Lot Size
13,068 sqft
Year Built
1969
Days on Market
251
Capital Outlay
$10,776
Debt Service
$239
Property Tax / Mo
$144
Insurance / Mo
$47
Property Description
ATTENTION ALL INVESTORS! Now is your chance to scoop up this cute 4/2 home located in the South Jackson area. This home can easily be made into a fantastic income producing property, some work has already been completed. Call your favorite realtor today for your private showing
Utility Allowances
Air Conditioning
$16
Property has 'Central Air' cooling, so the fixed allowance for a 4-bedroom unit is applied.
Cooking
$37
The fuel type for cooking is not specified. The most expensive option (Bottled Gas) was chosen as per instructions for ambiguity.
Heating
$99
The property has 'Central' heating but the fuel source is not specified. The most expensive option (Bottled Gas) was chosen as per instructions for ambiguity.
Other Electric
$88
This is a standard fixed allowance for general electricity use (lights, outlets) in a 4-bedroom single-family home.
Range/Microwave
$3
The property listing does not explicitly state that a range or microwave is provided, so it is assumed to be tenant-owned.
Refrigerator
$0
The property listing states a 'Refrigerator' is included, so there is no allowance for a tenant-owned appliance.
Sewer
$70
The property is connected to a 'Public Sewer' system as stated in the listing details.
Trash Collection
$37
Standard fixed service for a single-family home, assumed to be the tenant's responsibility.
Water
$116
The property is connected to a 'Public' water source as stated in the listing details.
Water Heating
$86
The fuel type for water heating is not specified. The most expensive option (Bottled Gas) was chosen as per instructions for ambiguity.
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$557
DP3 Annual Estimate$582
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$48
Replacement Value$42,920
Basis1,503 sqft / 1969
Nearby Houses
Photo unavailable
3320 Ridgeland Dr
for_sale · 0.03 mi
Price: $56,000
3 bd / 2 ba · 1,850 sqft
Latest sale: — on Oct 18, 2024
Latest rent: $1,225 on Aug 18, 2025
Photo unavailable
947 Palm St
for_sale · 0.05 mi
Price: $55,000
3 bd / 2 ba · 1,332 sqft
Latest sale: — on Aug 30, 2019
Latest rent: —
Photo unavailable
3306 Ridgeland Dr
sold · 0.05 mi
Price: $37,500
3 bd / 2 ba · 1,275 sqft
Latest sale: — on Sep 28, 2023
Latest rent: $1,100 on Nov 13, 2023
Photo unavailable
929 Palm St
sold · 0.06 mi
Price: $5,000
3 bd / 2 ba · 1,649 sqft
Latest sale: — on May 07, 2025
Latest rent: —
Photo unavailable
928 Palm St
for_sale · 0.07 mi
Price: $85,000
3 bd / 2 ba · 1,258 sqft
Latest sale: —
Latest rent: $1,000 on Mar 03, 2021
Photo unavailable
3303 Ridgeland Dr
sold · 0.08 mi
Price: $114,900
3 bd / 2 ba · 1,372 sqft
Latest sale: — on Aug 12, 2025
Latest rent: —
Photo unavailable
3235 Santee St
for_sale · 0.09 mi
Price: $100,000
3 bd / 2 ba · 2,039 sqft
Latest sale: — on Feb 29, 2024
Latest rent: $1,500 on May 25, 2024
Photo unavailable
1010 Deryll St
for_sale · 0.10 mi
Price: $49,900
3 bd / 2 ba · 1,143 sqft
Latest sale: — on Sep 22, 2010
Latest rent: $950 on Sep 20, 2022
Photo unavailable
1003 Deryll St
off_market · 0.11 mi
Price: $13,900
4 bd / 2 ba · 2,040 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3253 Ridgeland Dr
sold · 0.11 mi
Price: $55,000
3 bd / 2 ba · 1,506 sqft
Latest sale: — on Apr 17, 2025
Latest rent: $1,400 on Aug 02, 2025
Photo unavailable
1011 Deryll St
sold · 0.12 mi
Price: $35,900
4 bd / — ba · 1,895 sqft
Latest sale: — on Feb 28, 2022
Latest rent: $825 on Apr 11, 2019
Photo unavailable
936 Westway St
for_sale · 0.12 mi
Price: $71,546
4 bd / 3 ba · 1,592 sqft
Latest sale: — on May 13, 2019
Latest rent: $1,050 on Sep 28, 2021
Risk and Criteria Detail
Red Flags
- success
- Ceiling staining/uneven area in living room consistent with prior or active water intrusion (possible roof or plumbing leak).
- No visible smoke detectors or carbon monoxide detectors in the photographed living areas.
- Manufacture year 1969 — elevated lead-based paint risk (pre-1978 construction).
Assumptions
- Bedrooms, kitchen and bathrooms not pictured are physically present and functional but appliances (stove/refrigerator) are not visible and may be missing.
- Visible ceiling discoloration indicates prior or intermittent water intrusion but no active collapse is shown in photos.
- A central HVAC system exists (inferred from ceiling diffuser/vent), but operational status is unknown.
- No smoke or CO detectors are present in the photographed living spaces; detectors are assumed missing unless present in unseen rooms.
- Electrical panel, water heater and plumbing fixtures are present but their condition is unknown (not photographed).
- Windows in bedrooms meet egress requirements unless otherwise noted during a full walk-through.
- Because the house was built in 1969, lead-based paint is a potential hazard and should be considered unless a lead clearance is provided.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,679 | $57,920 | $8,688 |
| 2023 | $1,671 | $57,920 | $8,688 |
| 2021 | $1,671 | $57,920 | $8,688 |
| 2020 | $1,648 | $57,450 | $8,618 |
| 2019 | $1,650 | $57,450 | $8,618 |
| 2018 | $1,631 | $57,450 | $8,618 |
| 2017 | $854 | $57,450 | $5,745 |
| 2016 | $825 | $57,450 | $5,745 |
| 2015 | $781 | $56,360 | $5,636 |
| 2014 | $779 | $56,360 | $5,636 |
| 2013 | $751 | $56,360 | $5,636 |
| 2012 | $751 | $56,360 | $5,636 |
| 2011 | $778 | $59,440 | $5,944 |
| 2010 | $772 | $59,440 | $5,944 |
| 2009 | $772 | $59,440 | $5,944 |
| 2008 | $772 | $48,310 | $4,831 |
| 2007 | $633 | $48,310 | $4,831 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-12-29 | Sold | — |
Photo Gallery
Show raw JSON (debug)
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"year": 2024,
"market": {
"land": 15000,
"total": 57920,
"building": 42920
},
"assessment": {
"land": 2250,
"total": 8688,
"building": 6438
}
},
{
"tax": 1671,
"year": 2023,
"market": {
"land": 15000,
"total": 57920,
"building": 42920
},
"assessment": {
"land": 2250,
"total": 8688,
"building": 6438
}
},
{
"tax": 1671,
"year": 2021,
"market": {
"land": 15000,
"total": 57920,
"building": 42920
},
"assessment": {
"land": 2250,
"total": 8688,
"building": 6438
}
},
{
"tax": 1648,
"year": 2020,
"market": {
"land": 15000,
"total": 57450,
"building": 42450
},
"assessment": {
"land": 2250,
"total": 8618,
"building": 6368
}
},
{
"tax": 1650,
"year": 2019,
"market": {
"land": 15000,
"total": 57450,
"building": 42450
},
"assessment": {
"land": 2250,
"total": 8618,
"building": 6368
}
},
{
"tax": 1631,
"year": 2018,
"market": {
"land": 15000,
"total": 57450,
"building": 42450
},
"assessment": {
"land": 2250,
"total": 8618,
"building": 6368
}
},
{
"tax": 854,
"year": 2017,
"market": {
"land": 15000,
"total": 57450,
"building": 42450
},
"assessment": {
"land": 1500,
"total": 5745,
"building": 4245
}
},
{
"tax": 825,
"year": 2016,
"market": {
"land": 15000,
"total": 57450,
"building": 42450
},
"assessment": {
"land": 1500,
"total": 5745,
"building": 4245
}
},
{
"tax": 781,
"year": 2015,
"market": {
"land": 15000,
"total": 56360,
"building": 41360
},
"assessment": {
"land": 1500,
"total": 5636,
"building": 4136
}
},
{
"tax": 779,
"year": 2014,
"market": {
"land": 15000,
"total": 56360,
"building": 41360
},
"assessment": {
"land": 1500,
"total": 5636,
"building": 4136
}
},
{
"tax": 751,
"year": 2013,
"market": {
"land": 15000,
"total": 56360,
"building": 41360
},
"assessment": {
"land": 1500,
"total": 5636,
"building": 4136
}
},
{
"tax": 751,
"year": 2012,
"market": {
"land": 15000,
"total": 56360,
"building": 41360
},
"assessment": {
"land": 1500,
"total": 5636,
"building": 4136
}
},
{
"tax": 778,
"year": 2011,
"market": {
"land": 15000,
"total": 59440,
"building": 44440
},
"assessment": {
"land": 1500,
"total": 5944,
"building": 4444
}
},
{
"tax": 772,
"year": 2010,
"market": {
"land": 15000,
"total": 59440,
"building": 44440
},
"assessment": {
"land": 1500,
"total": 5944,
"building": 4444
}
},
{
"tax": 772,
"year": 2009,
"market": {
"land": 15000,
"total": 59440,
"building": 44440
},
"assessment": {
"land": 1500,
"total": 5944,
"building": 4444
}
},
{
"tax": 772,
"year": 2008,
"market": {
"land": 9000,
"total": 48310,
"building": 39310
},
"assessment": {
"land": 900,
"total": 4831,
"building": 3931
}
},
{
"tax": 633,
"year": 2007,
"market": {
"land": 9000,
"total": 48310,
"building": 39310
},
"assessment": {
"land": 900,
"total": 4831,
"building": 3931
}
}
],
"property_history": [
{
"date": "2025-09-30",
"price": 44900,
"listing": {
"status": "for_sale",
"list_date": "2025-06-10T20:55:16Z",
"list_price": 44900,
"listing_id": "2982955022",
"last_update_date": "2025-09-30T14:35:01Z",
"last_status_change_date": "2025-06-10T20:55:16Z"
},
"event_name": "Price Changed",
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"source_name": "MLSUnited",
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},
{
"date": "2025-09-02",
"price": 49900,
"listing": {
"status": "for_sale",
"list_date": "2025-06-10T20:55:16Z",
"list_price": 44900,
"listing_id": "2982955022",
"last_update_date": "2025-09-30T14:35:01Z",
"last_status_change_date": "2025-06-10T20:55:16Z"
},
"event_name": "Price Changed",
"price_sqft": 33.20026613439787,
"source_name": "MLSUnited",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "4115912",
"price_change_percentage": null
},
{
"date": "2025-07-19",
"price": 59900,
"listing": {
"status": "for_sale",
"list_date": "2025-06-10T20:55:16Z",
"list_price": 44900,
"listing_id": "2982955022",
"last_update_date": "2025-09-30T14:35:01Z",
"last_status_change_date": "2025-06-10T20:55:16Z"
},
"event_name": "Price Changed",
"price_sqft": 39.853626081170994,
"source_name": "MLSUnited",
"price_change": -10100,
"days_after_listed": null,
"source_listing_id": "4115912",
"price_change_percentage": null
},
{
"date": "2025-06-10",
"price": 70000,
"listing": {
"status": "for_sale",
"list_date": "2025-06-10T20:55:16Z",
"list_price": 44900,
"listing_id": "2982955022",
"last_update_date": "2025-09-30T14:35:01Z",
"last_status_change_date": "2025-06-10T20:55:16Z"
},
"event_name": "Listed",
"price_sqft": 46.57351962741184,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4115912",
"price_change_percentage": null
},
{
"date": "2021-01-01",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2020-12-03T19:04:35Z",
"list_price": 21000,
"listing_id": "2923959148",
"last_update_date": "2020-12-12T14:21:57Z",
"last_status_change_date": "2021-01-01T04:13:30Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "336473",
"price_change_percentage": null
},
{
"date": "2020-12-15",
"price": 21000,
"listing": {
"status": "off_market",
"list_date": "2020-12-03T19:04:35Z",
"list_price": 21000,
"listing_id": "2923959148",
"last_update_date": "2020-12-12T14:21:57Z",
"last_status_change_date": "2021-01-01T04:13:30Z"
},
"event_name": "Relisted",
"price_sqft": 13.972055888223553,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "336473",
"price_change_percentage": null
},
{
"date": "2020-12-12",
"price": 21000,
"listing": {
"status": "off_market",
"list_date": "2020-12-03T19:04:35Z",
"list_price": 21000,
"listing_id": "2923959148",
"last_update_date": "2020-12-12T14:21:57Z",
"last_status_change_date": "2021-01-01T04:13:30Z"
},
"event_name": "Listing removed",
"price_sqft": 13.972055888223553,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "9 days",
"source_listing_id": "336473",
"price_change_percentage": null
},
{
"date": "2020-12-03",
"price": 21000,
"listing": {
"status": "off_market",
"list_date": "2020-12-03T19:04:35Z",
"list_price": 21000,
"listing_id": "2923959148",
"last_update_date": "2020-12-12T14:21:57Z",
"last_status_change_date": "2021-01-01T04:13:30Z"
},
"event_name": "Listed",
"price_sqft": 13.972055888223553,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "336473",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7482705239",
"generated_at": "2026-02-16T23:14:45.944344Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 60.1
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/1558706db6e4bd4c6de75088a9452790l-m2827091593s-w1280.jpg",
"rent_price": 1238.0,
"loan_amount": 35920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/952-Palm-St_Jackson_MS_39212_M74827-05239",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 44900.0,
"loan_term_years": 30,
"annual_cash_flow": 11071.53,
"mortgage_monthly": 238.98,
"payment_standard": 1790.0,
"total_amount_out": 8980.0,
"additional_photos": [
"https://ap.rdcpix.com/1558706db6e4bd4c6de75088a9452790l-m671508492s-w1280.jpg",
"https://ap.rdcpix.com/1558706db6e4bd4c6de75088a9452790l-m3614205979s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 47.46,
"monthly_cash_flow": 922.63,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Property has 'Central Air' cooling, so the fixed allowance for a 4-bedroom unit is applied.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "The fuel type for cooking is not specified. The most expensive option (Bottled Gas) was chosen as per instructions for ambiguity.",
"utility": "Cooking",
"allowance": 37
},
{
"note": "The property has 'Central' heating but the fuel source is not specified. The most expensive option (Bottled Gas) was chosen as per instructions for ambiguity.",
"utility": "Heating",
"allowance": 99
},
{
"note": "This is a standard fixed allowance for general electricity use (lights, outlets) in a 4-bedroom single-family home.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "The property listing does not explicitly state that a range or microwave is provided, so it is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property listing states a 'Refrigerator' is included, so there is no allowance for a tenant-owned appliance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property is connected to a 'Public Sewer' system as stated in the listing details.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Standard fixed service for a single-family home, assumed to be the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property is connected to a 'Public' water source as stated in the listing details.",
"utility": "Water",
"allowance": 116
},
{
"note": "The fuel type for water heating is not specified. The most expensive option (Bottled Gas) was chosen as per instructions for ambiguity.",
"utility": "Water Heating",
"allowance": 86
}
],
"cash_on_cash_return": 1.23,
"down_payment_amount": 8980.0,
"property_tax_annual": 1729.37,
"property_tax_monthly": 144.11,
"property_tax_increase": 0.03,
"utility_allowance_total": 552.0,
"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": 8203.81,
"property_management_monthly": 123.8,
"monthly_cash_flow_after_debt": 683.65,
"cash_on_cash_return_after_debt": 0.91
},
"section8_assessment": {
"runs": [
{
"summary": "This 4 bed/2 bath 1969 single-family home appears moderately rentable with targeted repairs. Major visible issues are ceiling staining (possible roof or plumbing leak), cosmetic wall/paint repairs, and no visible smoke/CO detectors. Systems (HVAC, roof, electrical, plumbing) appear present but are not fully verifiable from photos; functional checks will be required. With smoke/CO installation, ceiling repair, verification/repair of any leak source, and installation/verification of required GFCI and other code items, the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks. Missing kitchen appliances are likely but are a moderate, fixable issue and should not alone prevent passing if other safety items are corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 65.0,
"rationale": "Interior appears largely intact with tile floors, trim and painted walls; some cosmetic damage and deferred maintenance visible (scuffed walls, patched/unfinished paint area in living room). Ceiling shows a noticeable stain/uneven area that indicates prior or ongoing water intrusion and will need repair. No kitchen photos or appliances visible—missing appliances likely. Exterior shows overgrown leaves/debris but no obvious structural collapse. Overall moderate cosmetic work and targeted repairs (ceiling, paint, possible appliance replacement) are needed, not major structural rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 55.0,
"rationale": "No smoke detectors or carbon-monoxide devices are visible in photos (living areas/ceiling); sliding door appears to have security bars but deadbolt on entry door not visible. Ceiling staining suggests water intrusion risk which can create mold or structural concerns. No exposed wiring is visible in photos; outlets and plate covers appear present in living areas. Egress windows/bedrooms are not shown so egress compliance cannot be confirmed. GFCI locations (kitchen/bath) not visible. Year built 1969 creates elevated lead-paint risk. Given visible ceiling staining and lack of visible detectors, there are multiple moderate safety/code items to address before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 60.0,
"rationale": "A ceiling supply/exhaust diffuser and ceiling vent are visible, suggesting a central HVAC system is present; however no thermostat, air handler, or heating source is shown and operational status is unknown. Roof appears intact from front exterior photo with no visible major sagging or missing areas, but leaves obscure portions of the roofline. No water heater, electrical panel, or plumbing fixtures are visible to confirm condition. Ceiling stain implies a previous leak that may have affected roof, attic, or plumbing. Systems appear likely present but unverified and will need functional confirmation and potentially minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, walkways and yard",
"score": 70.0,
"rationale": "Exterior brick/roofline and carport appear serviceable in the single front photo; no obvious foundation settlement or major exterior structural damage visible. Yard and driveway are cluttered with leaves and need clean-up. Walkway and carport surfaces appear intact. Some shrubbery overgrowth near windows may need trimming. No evidence of standing water, pest infestation, or collapsed exterior elements visible in provided photos."
}
],
"red_flags": [
"Ceiling staining/uneven area in living room consistent with prior or active water intrusion (possible roof or plumbing leak).",
"No visible smoke detectors or carbon monoxide detectors in the photographed living areas.",
"Manufacture year 1969 — elevated lead-based paint risk (pre-1978 construction)."
],
"confidence": 0.65,
"assumptions": [
"Bedrooms, kitchen and bathrooms not pictured are physically present and functional but appliances (stove/refrigerator) are not visible and may be missing.",
"Visible ceiling discoloration indicates prior or intermittent water intrusion but no active collapse is shown in photos.",
"A central HVAC system exists (inferred from ceiling diffuser/vent), but operational status is unknown.",
"No smoke or CO detectors are present in the photographed living spaces; detectors are assumed missing unless present in unseen rooms.",
"Electrical panel, water heater and plumbing fixtures are present but their condition is unknown (not photographed).",
"Windows in bedrooms meet egress requirements unless otherwise noted during a full walk-through.",
"Because the house was built in 1969, lead-based paint is a potential hazard and should be considered unless a lead clearance is provided."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 4-bed/2-bath 1969 single-family appears to be a moderate-repair candidate for Section 8/HCV. The home is not turnkey: cosmetic repairs, possible ceiling/water damage remediation, installation/verification of smoke/CO detectors, and mechanical inspections are needed. With prioritized safety fixes and mechanical checks, the property could likely pass an initial NSPIRE inspection after 30–60 days of targeted work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 55.0,
"rationale": "Interior shows cosmetic wear: scuffed/partially patched walls, worn ceiling paint, and some loose or uneven floor tiles visible in photos. Missing or damaged light fixtures/ceiling fans (one fan appears incomplete) and minor finish repairs will be required. Missing appliances are not evident from photos but listing implies rehab; missing appliances would be an easy-to-fix capital item. Overall condition suggests moderate repairs (cosmetic + some repair work) rather than full rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 50.0,
"rationale": "Observed issues that increase NSPIRE risk: no smoke detectors are visible in interior photos (required on each level and outside sleeping areas), ceiling staining and slight sag/rippling suggest prior or ongoing water intrusion (potential safety/egress concern if active), and bedroom egress and GFCI locations are not documented in photos. Entry appears secure (visible solid door), and no exposed wiring is evident in photos. Because smoke detectors and potential water damage are important safety triggers, the score is reduced to a moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 55.0,
"rationale": "A ceiling HVAC vent is visible, indicating central HVAC ductwork, but no mechanical equipment (furnace/AC condensing unit or water heater) is shown to verify operation. Ceiling staining indicates a past or current roof/plumbing leak that may have impacted systems. No electrical panel, water heater, or plumbing fixtures (besides sinks/baths implied by listing) are shown for direct verification. Given visible evidence of probable past water intrusion but otherwise intact finishes and presence of vents, systems are judged as moderately uncertain and likely require inspection and some repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior shows brick envelope and an intact carport; no obvious major foundation displacement or collapsed elements in photos. However, yard is unmaintained with heavy leaf cover and overgrown shrubs close to the foundation (risk for drainage/inspection clearance and pest issues). Roof visible from front photo does not show obvious large open areas or collapsed sections, but full roof condition cannot be confirmed. Overall the exterior appears serviceable but needs yard clean-up and basic site maintenance."
}
],
"red_flags": [
"Visible ceiling staining and slight sag/rippling — possible active or prior water intrusion/roof or plumbing leak",
"No visible smoke detectors in interior photographs (NSPIRE requirement)",
"Age of home (1969) — potential lead-based paint risk (pre-1978)",
"Overgrown vegetation and heavy leaf buildup against foundation — drainage/pest risk and inspection access issue"
],
"confidence": 0.6,
"assumptions": [
"No smoke or carbon monoxide detectors were visible in the photos; assume they are missing or not properly located and will need installation/verification.",
"The ceiling staining/rippling in photos indicates prior water intrusion; assume leak source (roof or plumbing) is not confirmed and requires investigation.",
"Central HVAC is assumed present (ceiling vent visible) but operational status is unknown as no equipment (furnace/condensing unit) is pictured.",
"Water heater, electrical panel, GFCI outlets, and hot water availability were not shown; assume these systems exist but need inspection for functionality and code compliance.",
"Windows appear adequate for egress in photos, but bedroom window sizes/clearances were not measured and should be verified during inspection.",
"Property built in 1969: assume potential lead-based paint hazards for pre-1978 construction and include lead-risk precautions until tested.",
"No rental history in last 5 years (data missing), so rental condition and maintenance history are unknown."
],
"overall_score": 56.0,
"rubric_version": "2026-02-Section8-NSPIRE-v1"
},
{
"summary": "This 4-bed, 2-bath 1969 single-family appears to be in mostly serviceable condition with primarily cosmetic and minor repair needs. The property is likely to pass a Housing Choice Voucher/NSPIRE inspection after addressing a handful of targeted items: install/verify smoke and CO detectors, confirm and repair any ceiling/roof leaks, ensure egress hardware on the sliding door is compliant, and confirm HVAC, hot water and electrical systems are operational. Expect minor repairs and testing/service; overall readiness likely within 2–6 weeks depending on system verifications and appliance provisioning.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 65.0,
"rationale": "Interior photos show generally intact finishes: tile floors appear largely sound, baseboards and crown molding present, stone fireplace intact. Cosmetic issues visible include patched/unfinished wall areas, scuffed paint, dirty grout/tiles and some debris. Exterior shows overgrown leaves and shrubs but no obvious collapsed elements. No kitchen or appliances are shown in the listing/photos; missing appliances would be an easy-to-fix capital expense but reduce turnkey readiness moderately. Overall condition indicates mostly cosmetic and minor repairs rather than major rehabilitation."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risks",
"score": 55.0,
"rationale": "Photos do not show any smoke detectors or carbon monoxide alarms; absence in visible living areas is a common NSPIRE failure risk. A noticeable ceiling discoloration/stain in the living area suggests past or possible active water intrusion which is a safety/code concern until verified. Sliding glass door has security bars which could impede emergency egress if not quick-release compliant. Visible electrical outlet covers and ceiling fixtures are present; no exposed wiring seen in photos. No GFCI outlets are visible in kitchen/bath areas in provided images. Given these observations, safety compliance risk is moderate and will likely require fixes (install detectors, verify/repair any leak, verify egress)."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Ceiling vents/returns and a wall vent near a doorway indicate a central HVAC system likely exists, but equipment (furnace/AC, water heater, electrical panel) is not photographed so operational status is unknown. Roof viewed from front appears intact from distance with no obvious sagging or missing large areas, but the interior ceiling stain raises concern for a past roof or plumbing leak that needs investigation. Plumbing fixtures and hot water presence are not shown. Given visible vents and lack of obvious system failure signs, rate as moderate; verification and possible service/repairs will be needed."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate surroundings",
"score": 70.0,
"rationale": "Exterior brick walls and carport appear intact with no visible foundation displacement or major cracking in provided photo. Driveway and walkway show normal wear and accumulation of leaves; landscaping is unmaintained but not hazardous. No standing water or visible erosion observed. Roof from the single exterior photo appears serviceable at a glance (no visible collapse), though tree cover is heavy and could contribute to debris/roof wear. Overall exterior condition is acceptable with routine cleanup and minor repairs likely."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photographed living area (NSPIRE failure risk).",
"Ceiling discoloration/staining in living area suggests possible roof or plumbing leak that requires investigation and repair.",
"Security bars on sliding glass door may restrict emergency egress if not quick-release compliant and could cause an inspection fail."
],
"confidence": 0.6,
"assumptions": [
"No smoke or carbon monoxide detectors are present in the photographed living area; none were visible in the provided images and none were documented in the listing.",
"Central HVAC exists (ceiling vents/returns visible) but equipment condition and operational status are unknown and must be verified.",
"Kitchen and appliances (stove, refrigerator) are not shown; assume appliances may be missing or in unknown condition and would be provided by owner or installed prior to tenancy.",
"Electrical panel, GFCI protection in kitchen/bath, water heater and plumbing fixtures are present somewhere in the house but were not photographed; their condition is unknown.",
"The ceiling discoloration represents either a past or current leak; further investigation is needed to confirm active water intrusion.",
"Bedrooms have egress-size windows typical of houses of this vintage, but egress compliance was not verifiable from provided photos.",
"No evidence of structural foundation movement, major pest infestation, or extensive mold visible in photos; severe hidden conditions cannot be ruled out."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "952 Palm St, Jackson, MS, 39212",
"aggregate": {
"summary": "This 4 bed/2 bath 1969 single-family home appears moderately rentable with targeted repairs. Major visible issues are ceiling staining (possible roof or plumbing leak), cosmetic wall/paint repairs, and no visible smoke/CO detectors. Systems (HVAC, roof, electrical, plumbing) appear present but are not fully verifiable from photos; functional checks will be required. With smoke/CO installation, ceiling repair, verification/repair of any leak source, and installation/verification of required GFCI and other code items, the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks. Missing kitchen appliances are likely but are a moderate, fixable issue and should not alone prevent passing if other safety items are corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 61.7,
"rationale": "Interior appears largely intact with tile floors, trim and painted walls; some cosmetic damage and deferred maintenance visible (scuffed walls, patched/unfinished paint area in living room). Ceiling shows a noticeable stain/uneven area that indicates prior or ongoing water intrusion and will need repair. No kitchen photos or appliances visible—missing appliances likely. Exterior shows overgrown leaves/debris but no obvious structural collapse. Overall moderate cosmetic work and targeted repairs (ceiling, paint, possible appliance replacement) are needed, not major structural rehab."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, walkways and yard",
"score": 70.0,
"rationale": "Exterior brick/roofline and carport appear serviceable in the single front photo; no obvious foundation settlement or major exterior structural damage visible. Yard and driveway are cluttered with leaves and need clean-up. Walkway and carport surfaces appear intact. Some shrubbery overgrowth near windows may need trimming. No evidence of standing water, pest infestation, or collapsed exterior elements visible in provided photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 53.3,
"rationale": "No smoke detectors or carbon-monoxide devices are visible in photos (living areas/ceiling); sliding door appears to have security bars but deadbolt on entry door not visible. Ceiling staining suggests water intrusion risk which can create mold or structural concerns. No exposed wiring is visible in photos; outlets and plate covers appear present in living areas. Egress windows/bedrooms are not shown so egress compliance cannot be confirmed. GFCI locations (kitchen/bath) not visible. Year built 1969 creates elevated lead-paint risk. Given visible ceiling staining and lack of visible detectors, there are multiple moderate safety/code items to address before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 58.3,
"rationale": "A ceiling supply/exhaust diffuser and ceiling vent are visible, suggesting a central HVAC system is present; however no thermostat, air handler, or heating source is shown and operational status is unknown. Roof appears intact from front exterior photo with no visible major sagging or missing areas, but leaves obscure portions of the roofline. No water heater, electrical panel, or plumbing fixtures are visible to confirm condition. Ceiling stain implies a previous leak that may have affected roof, attic, or plumbing. Systems appear likely present but unverified and will need functional confirmation and potentially minor repairs."
}
],
"red_flags": [
"Ceiling staining/uneven area in living room consistent with prior or active water intrusion (possible roof or plumbing leak).",
"No visible smoke detectors or carbon monoxide detectors in the photographed living areas.",
"Manufacture year 1969 — elevated lead-based paint risk (pre-1978 construction)."
],
"confidence": 0.86,
"assumptions": [
"Bedrooms, kitchen and bathrooms not pictured are physically present and functional but appliances (stove/refrigerator) are not visible and may be missing.",
"Visible ceiling discoloration indicates prior or intermittent water intrusion but no active collapse is shown in photos.",
"A central HVAC system exists (inferred from ceiling diffuser/vent), but operational status is unknown.",
"No smoke or CO detectors are present in the photographed living spaces; detectors are assumed missing unless present in unseen rooms.",
"Electrical panel, water heater and plumbing fixtures are present but their condition is unknown (not photographed).",
"Windows in bedrooms meet egress requirements unless otherwise noted during a full walk-through.",
"Because the house was built in 1969, lead-based paint is a potential hazard and should be considered unless a lead clearance is provided."
],
"score_method": "mean_of_criteria",
"overall_score": 60.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7482705239"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.