Property ID: 7494609705
4551 Manila Dr, Jackson, MS, 39206
Jackson, MS
Money Down: $28,800
CoC Return: 8.94%
Monthly Cash Flow: $215
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,000
Closing Costs
$4,800
Total Down
$28,800
Investment Snapshot
Purchase Price
$120,000
Money Down
$28,800
Cash-on-Cash Return
8.94%
Rent
$1,241
Monthly Cash Flow
$215
Annual Cash Flow
$2,575
Debt Service / Mo
$639
Property Tax / Mo
$209
Insurance / Mo
$54
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,241
Payment Standard
$1,690
Rent
$1,241
Insurance
$54
Property Tax
$209
Management
$124
Utilities Allowance
$449
NOI (Monthly)
$853
Debt Service
$639
Cash Flow After Debt
$215
Quality Score: 72.40%
Confidence: 82.00%
Overall the property appears largely turnkey for Section 8 / NSPIRE initial inspection with cosmetic wear and a few verifiable items to confirm. Interior renovations (kitchen, paint, flooring) and presence of major appliances support a quick pass after standard pre-listing cleaning and minor repairs. Primary inspection risks: aged roof with tree overhang, unverified GFCI outlets and carbon monoxide protection, and lack of clearly visible deadbolt/secured egress hardware. Expect likely pass pending verification/repair of the few items above; estimate 1-4 weeks to achieve inspection-ready status if unverified items are addressed.
Section 8 Payment Standard
$1,690
Utility Allowance Total
$449
Guaranteed Section 8 Rent (PS - Utilities)
$1,241
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$120,000
Beds
4
Baths
2
Living Area
1,796 sqft
Lot Size
11,326 sqft
Year Built
1960
Days on Market
136
Capital Outlay
$28,800
Debt Service
$639
Property Tax / Mo
$209
Insurance / Mo
$54
Property Description
Come check out this spacious home with 4 bedrooms, 2 baths and even a workshop! House is fairly updated and ready for new owners today.
Utility Allowances
Air Conditioning
$16
Selected based on the 4-bedroom allowance for a single-family home. The property has 'Central Air'.
Heating
$64
Selected the 'Electric' option for a 4-bedroom unit. Property has 'Central' heating, and the utility data does not explicitly list a natural gas connection, making electric the most likely fuel source. The more expensive 'Electric' option was chosen over 'Electric Heat Pump' due to ambiguity.
Water Heating
$37
Selected the 'Electric' option for a 4-bedroom unit. The specific fuel type for water heating is not mentioned, so electric was chosen as the property's utility data does not explicitly list a natural gas connection.
Cooking
$14
Selected the 'Electric' option for a 4-bedroom unit. The property lists 'Oven' as an appliance and has an electrical connection, with no mention of gas for cooking.
Other Electric
$88
Selected based on the 4-bedroom allowance. This is a standard allowance for general electricity usage (e.g., lights, small appliances).
Water
$116
Selected based on the 4-bedroom allowance. Property details confirm connection to 'Public' water.
Sewer
$70
Selected based on the 4-bedroom allowance. Property details confirm connection to 'Public Sewer'.
Trash Collection
$37
Selected based on the 4-bedroom allowance. This is a standard utility for single-family homes.
Refrigerator
$4
Allowance for a tenant-owned refrigerator is included as the property information does not explicitly state that a refrigerator is provided.
Range/Microwave
$3
Allowance for a tenant-owned microwave is included. While an 'Oven' is listed, a microwave is not explicitly stated as provided.
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$636
DP3 Annual Estimate$665
DP1 Monthly Equivalent$53
DP3 Monthly Equivalent$55
Replacement Value$49,210
Basis1,796 sqft / 1960
Nearby Houses
Photo unavailable
319 E Northside Dr
sold · 0.02 mi
Price: $58,000
3 bd / 2 ba · 1,131 sqft
Latest sale: — on Oct 13, 2022
Latest rent: $1,295 on Aug 04, 2025
Photo unavailable
320 E Northside Dr
sold · 0.08 mi
Price: $99,900
3 bd / 2 ba · 1,705 sqft
Latest sale: — on Aug 14, 2023
Latest rent: $1,300 on Jul 17, 2024
Photo unavailable
361 E Northside Dr
off_market · 0.08 mi
Price: $105,000
2 bd / 1 ba · 950 sqft
Latest sale: —
Latest rent: $1,050 on Feb 28, 2025
Photo unavailable
384 Naples Rd
sold · 0.10 mi
Price: $237,000
4 bd / 3 ba · 2,228 sqft
Latest sale: — on Jul 23, 2025
Latest rent: —
Photo unavailable
258 E Northside Dr
sold · 0.10 mi
Price: $119,000
5 bd / 3 ba · 2,200 sqft
Latest sale: — on Apr 21, 2023
Latest rent: $1,500 on Nov 30, 2018
Photo unavailable
4519 Normandy Dr
sold · 0.10 mi
Price: $120,000
3 bd / 2 ba · 1,685 sqft
Latest sale: — on Oct 16, 2023
Latest rent: —
Photo unavailable
378 Naples Rd
sold · 0.11 mi
Price: $155,000
3 bd / 2 ba · 1,865 sqft
Latest sale: — on Aug 05, 2024
Latest rent: $1,800 on Oct 08, 2023
Photo unavailable
516 Naples Rd
sold · 0.11 mi
Price: $152,000
3 bd / 3 ba · 2,118 sqft
Latest sale: — on Sep 09, 2025
Latest rent: $1,750 on Sep 22, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC system is present and operational (ceiling vents visible) though not directly tested in photos.
- Water heater, furnace and electrical panel exist and are functional though not shown.
- Kitchen appliances pictured (refrigerator, electric range, microwave) are included and operable.
- Bedrooms have legal egress via the shown windows (sill heights and opening sizes assumed adequate from photos).
- No hidden active roof leaks exist despite visible aging shingles and debris (no interior water stains observed).
- Smoke alarm visible represents presence of required detectors; additional detectors and CO alarm may be missing or not photographed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $2,440 | $84,160 | $12,625 |
| 2023 | $2,428 | $84,160 | $12,625 |
| 2021 | $2,429 | $84,160 | $12,625 |
| 2020 | $2,461 | $85,780 | $12,868 |
| 2019 | $2,463 | $85,780 | $12,868 |
| 2018 | $2,436 | $85,780 | $12,868 |
| 2017 | $1,324 | $85,780 | $8,578 |
| 2016 | $1,282 | $85,780 | $8,578 |
| 2015 | $1,209 | $84,290 | $8,429 |
| 2014 | $1,207 | $84,290 | $8,429 |
| 2013 | $1,165 | $84,290 | $8,429 |
| 2012 | $1,165 | $84,290 | $8,429 |
| 2011 | $1,175 | $86,090 | $8,609 |
| 2010 | $1,166 | $86,090 | $8,609 |
| 2009 | $1,166 | $86,090 | $8,609 |
| 2008 | $1,166 | $60,250 | $6,025 |
| 2007 | $791 | $60,250 | $6,025 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-09-30 | Sold | — |
| 2019-07-17 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-02-09 | Listed for rent | $1,395 | — |
| 2024-03-05 | Listed for rent | $1,395 | — |
| 2023-02-06 | Listed for rent | $1,399 | — |
Photo Gallery
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"status": "off_market",
"list_date": "2017-02-13T07:00:00Z",
"list_price": 99900,
"listing_id": "617838627",
"last_update_date": "2017-08-02T01:19:00Z",
"last_status_change_date": "2017-08-01T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 55.5,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "234 days",
"source_listing_id": "294058",
"price_change_percentage": null
},
{
"date": "2017-08-01",
"price": 99900,
"listing": {
"status": "off_market",
"list_date": "2017-02-13T07:00:00Z",
"list_price": 99900,
"listing_id": "617838627",
"last_update_date": "2017-08-02T01:19:00Z",
"last_status_change_date": "2017-08-01T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": 55.5,
"source_name": "CentralMSMLS",
"price_change": -13600,
"days_after_listed": null,
"source_listing_id": "294058",
"price_change_percentage": null
},
{
"date": "2017-02-13",
"price": 113500,
"listing": {
"status": "off_market",
"list_date": "2017-02-13T07:00:00Z",
"list_price": 99900,
"listing_id": "617838627",
"last_update_date": "2017-08-02T01:19:00Z",
"last_status_change_date": "2017-08-01T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 63.05555555555556,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "294058",
"price_change_percentage": null
},
{
"date": "2016-02-13",
"price": 113500,
"listing": {
"status": "off_market",
"list_date": "2015-07-29T07:00:00Z",
"list_price": 113500,
"listing_id": "599345755",
"last_update_date": "2016-01-11T23:41:00Z",
"last_status_change_date": "2016-01-11T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "277855",
"price_change_percentage": null
},
{
"date": "2016-01-11",
"price": 113500,
"listing": {
"status": "off_market",
"list_date": "2015-07-29T07:00:00Z",
"list_price": 113500,
"listing_id": "599345755",
"last_update_date": "2016-01-11T23:41:00Z",
"last_status_change_date": "2016-01-11T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "277855",
"price_change_percentage": null
},
{
"date": "2016-01-01",
"price": 113500,
"listing": {
"status": "off_market",
"list_date": "2015-07-29T07:00:00Z",
"list_price": 113500,
"listing_id": "599345755",
"last_update_date": "2016-01-11T23:41:00Z",
"last_status_change_date": "2016-01-11T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "155 days",
"source_listing_id": "277855",
"price_change_percentage": null
},
{
"date": "2015-10-27",
"price": 113500,
"listing": {
"status": "off_market",
"list_date": "2015-07-29T07:00:00Z",
"list_price": 113500,
"listing_id": "599345755",
"last_update_date": "2016-01-11T23:41:00Z",
"last_status_change_date": "2016-01-11T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -6400,
"days_after_listed": null,
"source_listing_id": "277855",
"price_change_percentage": null
},
{
"date": "2015-07-30",
"price": 119900,
"listing": {
"status": "off_market",
"list_date": "2015-07-29T07:00:00Z",
"list_price": 113500,
"listing_id": "599345755",
"last_update_date": "2016-01-11T23:41:00Z",
"last_status_change_date": "2016-01-11T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "277855",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7494609705",
"generated_at": "2026-02-16T22:56:19.563331Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.4
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/885772ea5c110f1996b4a583b0a81a92l-m3880034316s-w1280.jpg",
"rent_price": 1241.0,
"loan_amount": 96000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4551-Manila-Dr_Jackson_MS_39206_M74946-09705",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 120000.0,
"loan_term_years": 30,
"annual_cash_flow": 10239.1,
"mortgage_monthly": 638.69,
"payment_standard": 1690.0,
"total_amount_out": 24000.0,
"additional_photos": [
"https://ap.rdcpix.com/885772ea5c110f1996b4a583b0a81a92l-m555513141s-w1280.jpg",
"https://ap.rdcpix.com/885772ea5c110f1996b4a583b0a81a92l-m2044836028s-w1280.jpg",
"https://ap.rdcpix.com/885772ea5c110f1996b4a583b0a81a92l-m1801625610s-w1280.jpg",
"https://ap.rdcpix.com/885772ea5c110f1996b4a583b0a81a92l-m2364897026s-w1280.jpg",
"https://ap.rdcpix.com/885772ea5c110f1996b4a583b0a81a92l-m2866410312s-w1280.jpg",
"https://ap.rdcpix.com/885772ea5c110f1996b4a583b0a81a92l-m243577337s-w1280.jpg",
"https://ap.rdcpix.com/885772ea5c110f1996b4a583b0a81a92l-m1802980023s-w1280.jpg",
"https://ap.rdcpix.com/885772ea5c110f1996b4a583b0a81a92l-m3487178792s-w1280.jpg",
"https://ap.rdcpix.com/885772ea5c110f1996b4a583b0a81a92l-m1332721327s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 54.21,
"monthly_cash_flow": 853.26,
"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 4-bedroom allowance for a single-family home. The property has 'Central Air'.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Selected the 'Electric' option for a 4-bedroom unit. Property has 'Central' heating, and the utility data does not explicitly list a natural gas connection, making electric the most likely fuel source. The more expensive 'Electric' option was chosen over 'Electric Heat Pump' due to ambiguity.",
"utility": "Heating",
"allowance": 64
},
{
"note": "Selected the 'Electric' option for a 4-bedroom unit. The specific fuel type for water heating is not mentioned, so electric was chosen as the property's utility data does not explicitly list a natural gas connection.",
"utility": "Water Heating",
"allowance": 37
},
{
"note": "Selected the 'Electric' option for a 4-bedroom unit. The property lists 'Oven' as an appliance and has an electrical connection, with no mention of gas for cooking.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Selected based on the 4-bedroom allowance. This is a standard allowance for general electricity usage (e.g., lights, small appliances).",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Selected based on the 4-bedroom allowance. Property details confirm connection to 'Public' water.",
"utility": "Water",
"allowance": 116
},
{
"note": "Selected based on the 4-bedroom allowance. Property details confirm connection to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Selected based on the 4-bedroom allowance. This is a standard utility for single-family homes.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Allowance for a tenant-owned refrigerator is included as the property information does not explicitly state that a refrigerator is provided.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Allowance for a tenant-owned microwave is included. While an 'Oven' is listed, a microwave is not explicitly stated as provided.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.43,
"down_payment_amount": 24000.0,
"property_tax_annual": 2513.2,
"property_tax_monthly": 209.43,
"property_tax_increase": 0.03,
"utility_allowance_total": 449.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/pdr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2574.82,
"property_management_monthly": 124.1,
"monthly_cash_flow_after_debt": 214.57,
"cash_on_cash_return_after_debt": 0.11
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears largely turnkey for Section 8 / NSPIRE initial inspection with cosmetic wear and a few verifiable items to confirm. Interior renovations (kitchen, paint, flooring) and presence of major appliances support a quick pass after standard pre-listing cleaning and minor repairs. Primary inspection risks: aged roof with tree overhang, unverified GFCI outlets and carbon monoxide protection, and lack of clearly visible deadbolt/secured egress hardware. Expect likely pass pending verification/repair of the few items above; estimate 1-4 weeks to achieve inspection-ready status if unverified items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted and partially renovated: new-looking cabinets, countertops, stainless appliances and repaired hardwood floors with surface wear. Minor cosmetic issues visible (scuffed/worn hardwood, paint touch-ups, some dirt/debris on exterior surfaces and porch pavers). No major interior finish collapse or obvious water damage in photos. Missing appliance risk is low (fridge, range and microwave present). Overall turn-key with minor repairs and cleaning."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 68.0,
"rationale": "One smoke alarm visible near kitchen which is positive. Windows appear intact and bedrooms show egress-sized windows. No exposed wiring seen and outlets have covers. GFCI outlets not clearly visible in photos and carbon monoxide detector not seen (CO requirement depends on fuel appliances/attached garage). Front door lock present but no clearly visible deadbolt; carport door security not verifiable. No visible active leaks, mold, or major trip hazards inside. Because some required items (GFCI/CO/second smoke detectors/deadbolt) are not verifiable from photos, moderate compliance risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 70.0,
"rationale": "Ceiling HVAC vents are present suggesting central HVAC; registers look intact though operation not verified in photos. Kitchen and plumbing fixtures appear functional and recently updated. Electrical panel not shown; no visible evidence of unsafe wiring. Roof shingles show aging, leaf/debris accumulation and some staining but no visible active leak or sag. Water heater and furnace locations not photographed so functionality is assumed but unverified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior paint and siding appear serviceable. Driveway and carport are intact but show cracking and surface staining; roof shows aging/shingle wear and tree overhang which raises risk for debris and future roof servicing. Front porch pavers have vegetation between joints and small step has no handrail (single low step). Yard shows light neglect/overgrowth but no visible foundation cracking or standing water in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC system is present and operational (ceiling vents visible) though not directly tested in photos.",
"Water heater, furnace and electrical panel exist and are functional though not shown.",
"Kitchen appliances pictured (refrigerator, electric range, microwave) are included and operable.",
"Bedrooms have legal egress via the shown windows (sill heights and opening sizes assumed adequate from photos).",
"No hidden active roof leaks exist despite visible aging shingles and debris (no interior water stains observed).",
"Smoke alarm visible represents presence of required detectors; additional detectors and CO alarm may be missing or not photographed."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property presents as a mostly updated, rental-ready single-family home with cosmetic wear (floors, driveway) and a few system unknowns. The interior looks clean, kitchen appliances are present, and central HVAC appears installed. Primary concerns for an initial HCV/NSPIRE inspection are verification of working detectors (smoke + CO), confirmation of GFCI protection at kitchen/bath, and roof condition/maintenance due to visible wear and tree overhang. With small repairs and verification of mechanicals, likely rent-ready within 30 days; currently a high likelihood of passing initial HCV inspection after addressing detector/GFCI verification and minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently painted and updated; kitchen cabinets, counters and appliances are present and look functional. Hardwood floors show wear, scuffs and some areas that will need refinishing or touch-up. Exterior has cosmetic issues (driveway cracks, dented refrigerator, some debris on roof). No major visible interior finish failures. Missing/old cosmetic items lower score modestly but are easy-to-fix."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 74.0,
"rationale": "Visible working ceiling lights and a smoke detector (seen near kitchen) are present. Windows appear operable and likely provide egress from primary rooms. No exposed wiring or obvious trip hazards visible. Carbon monoxide detector and GFCI outlet at kitchen sink are not visible in photos (unknown). Front door looks secure but deadbolt not clearly visible. No signs of active water intrusion, mold, or collapsed ceilings. Lack of visible CO detector and unconfirmed GFCI reduce score."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Central HVAC supply/return vents visible in living areas indicating forced air heating/cooling likely present. Kitchen appliances (electric range, microwave, refrigerator) are in place. Water heater and electrical panel were not photographed so condition is unknown. Roof shingles show wear and tree debris which increases future risk. Without mechanical service records or visible equipment, assume systems are functional but unverified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Exterior siding/paint appear maintained and property is landscaped; carport and driveway are serviceable though driveway has cracks and staining. Roof shows wear and tree overhangs (leaf/debris) which raise maintenance risk. Front steps and planter are intact. No visible foundation cracking or settling in photos, but tree proximity and roof condition warrant attention."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.68,
"assumptions": [
"Central forced-air HVAC is present and operational (duct/vents visible), but no service records were provided.",
"Water heater and electrical panel exist and are functional though not shown in photos.",
"Bedrooms have egress-compliant windows (windows visible in bedrooms appear full-size) though exact dimensions were not measured from photos.",
"No active roof leaks at time of photos; roof shows wear/aging and likely needs maintenance or closer inspection.",
"Smoke detector shown is functional; carbon monoxide detector is not visible and may need to be installed if not present.",
"GFCI outlets at kitchen and bathrooms were not visible in photos and should be verified and installed if missing.",
"Bathrooms (plumbing, hot water, exhaust) were not photographed; assumed functional but should be validated."
],
"overall_score": 79.0,
"rubric_version": "nsPIRE-2026-v1"
},
{
"summary": "This single-family home is generally in good cosmetic condition with a recently updated kitchen, appliances present, working-looking HVAC vents, and intact interior finishes. Most issues are minor (floor wear, driveway cracks, some exterior maintenance). The main uncertainties for an initial HCV/NSPIRE inspection are code items that cannot be verified from photos: GFCI protection at kitchen counters, presence of a carbon monoxide alarm (if required), and a clearly observed deadbolt. Roof shows age and trees close to the structure — not an immediate failure but a medium-term replacement risk. With a short list of verification items (confirm GFCI or install GFCI outlets, confirm/replace CO alarm if required, verify and install deadbolt, clean gutters/roof debris and perform minor exterior repairs) this property is likely to pass an initial Housing Choice Voucher inspection and be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently painted and kitchen/baths updated; hardwood floors show wear and some staining but are largely intact. Kitchen has stove, microwave and refrigerator present (reduces appliance penalty). Fireplace is cosmetic. Exterior brick/trim is painted and generally intact. Observable deferred items: mortar/brick planter and front pavers have vegetation in joints, driveway has cracks and surface wear, and roof shows age and debris (discoloration/litter). Overall mostly cosmetic and finish repairs; no obvious widespread decay. These are easy-to-fix or routine maintenance items aside from a roof replacement timeline consideration."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 72.0,
"rationale": "A smoke detector is visible in an interior photo (hall/kitchen area). Central HVAC vents present (implies heating/cooling). Windows appear operable and provide egress in bedrooms shown. No exposed wiring, no collapsed ceilings, and no visible mold or active leaks in provided photos. Unclear items: GFCI protection at kitchen countertop outlets is not visibly obvious from photos (outlets shown are standard), and no carbon monoxide alarm is visible. Entry doors appear to lock but a clear deadbolt is not visible on the front door photo. Because several NSPIRE-required items (GFCI, CO alarm, verified deadbolt) cannot be confirmed, score reduced somewhat for unknown compliance risk even though no active life-threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Central HVAC supply/return vents are visible in ceiling photos (indicating presence of forced-air HVAC). Kitchen appliances (electric range, microwave, fridge) present and appear functional. Plumbing fixtures (kitchen sink) look intact. Water heater, electrical panel and HVAC equipment are not shown so their condition is assumed but not verified. Roof shows aging and tree debris which raises medium-term replacement risk. No visible signs of active plumbing leaks or electrical hazards, but lack of photos of the water heater and panel reduces certitude."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.0,
"rationale": "House exterior (painted brick and siding) appears maintained; carport and attached covered parking are intact. Yard has mature trees very close to the roofline which increases debris and roof wear risk. Driveway and front walkway show cracking and surface deterioration; planter and porch joints need vegetation removal and tuckpointing. No visible standing water or major foundation cracking in provided exterior photos, but limited visibility under the structure and around full perimeter prevents full verification."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years) - Bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"GFCI protection at kitchen countertop/near-sink outlets not visibly confirmed (NSPIRE requires GFCI in kitchen) — potential inspection fail if absent.",
"No carbon monoxide alarm visible in photos (required where fuel-burning appliances or attached garages are present) — needs verification or installation.",
"Roof shows aging, tree debris, and staining; trees overhang the roof increasing risk of damage and accelerated roof wear (medium-term replacement risk).",
"Driveway and front walkway cracks with vegetation in joints — trip hazard / exterior maintenance item that should be addressed."
],
"confidence": 0.75,
"assumptions": [
"Central forced-air HVAC is functional (vents visible in ceilings) though equipment was not photographed.",
"Hot water system and main electrical panel exist and are operational but were not shown in images.",
"Kitchen appliances pictured (fridge, range, microwave) are functional or can be made functional with minor service.",
"No active roof leaks or interior water intrusion exist beyond mild ceiling discoloration marks visible in photos; discoloration is assumed cosmetic rather than active leak.",
"GFCI protection and CO alarm locations are not visible in photos; assume they may be missing or not readily identifiable and should be verified/installed as needed.",
"Front entry has a locking mechanism but presence of a separate deadbolt not confirmed and should be verified/installed if missing."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4551 Manila Dr, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall the property appears largely turnkey for Section 8 / NSPIRE initial inspection with cosmetic wear and a few verifiable items to confirm. Interior renovations (kitchen, paint, flooring) and presence of major appliances support a quick pass after standard pre-listing cleaning and minor repairs. Primary inspection risks: aged roof with tree overhang, unverified GFCI outlets and carbon monoxide protection, and lack of clearly visible deadbolt/secured egress hardware. Expect likely pass pending verification/repair of the few items above; estimate 1-4 weeks to achieve inspection-ready status if unverified items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.0,
"rationale": "Interior appears recently painted and partially renovated: new-looking cabinets, countertops, stainless appliances and repaired hardwood floors with surface wear. Minor cosmetic issues visible (scuffed/worn hardwood, paint touch-ups, some dirt/debris on exterior surfaces and porch pavers). No major interior finish collapse or obvious water damage in photos. Missing appliance risk is low (fridge, range and microwave present). Overall turn-key with minor repairs and cleaning."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.3,
"rationale": "Exterior paint and siding appear serviceable. Driveway and carport are intact but show cracking and surface staining; roof shows aging/shingle wear and tree overhang which raises risk for debris and future roof servicing. Front porch pavers have vegetation between joints and small step has no handrail (single low step). Yard shows light neglect/overgrowth but no visible foundation cracking or standing water in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 71.3,
"rationale": "One smoke alarm visible near kitchen which is positive. Windows appear intact and bedrooms show egress-sized windows. No exposed wiring seen and outlets have covers. GFCI outlets not clearly visible in photos and carbon monoxide detector not seen (CO requirement depends on fuel appliances/attached garage). Front door lock present but no clearly visible deadbolt; carport door security not verifiable. No visible active leaks, mold, or major trip hazards inside. Because some required items (GFCI/CO/second smoke detectors/deadbolt) are not verifiable from photos, moderate compliance risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 70.0,
"rationale": "Ceiling HVAC vents are present suggesting central HVAC; registers look intact though operation not verified in photos. Kitchen and plumbing fixtures appear functional and recently updated. Electrical panel not shown; no visible evidence of unsafe wiring. Roof shingles show aging, leaf/debris accumulation and some staining but no visible active leak or sag. Water heater and furnace locations not photographed so functionality is assumed but unverified."
}
],
"red_flags": [],
"confidence": 0.82,
"assumptions": [
"Central HVAC system is present and operational (ceiling vents visible) though not directly tested in photos.",
"Water heater, furnace and electrical panel exist and are functional though not shown.",
"Kitchen appliances pictured (refrigerator, electric range, microwave) are included and operable.",
"Bedrooms have legal egress via the shown windows (sill heights and opening sizes assumed adequate from photos).",
"No hidden active roof leaks exist despite visible aging shingles and debris (no interior water stains observed).",
"Smoke alarm visible represents presence of required detectors; additional detectors and CO alarm may be missing or not photographed."
],
"score_method": "mean_of_criteria",
"overall_score": 72.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7494609705"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.