Property ID: 7509325197

160 Wildwood Cir, Jackson, MS, 39212

Jackson, MS

For Sale Feb 16, 2026 11:20 PM UTC Realtor Zillow Street View
Money Down: $21,120 CoC Return: 29.11% Monthly Cash Flow: $512
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,600
Closing Costs
$3,520
Total Down
$21,120
Primary property image

Investment Snapshot

Purchase Price
$88,000
Money Down
$21,120
Cash-on-Cash Return
29.11%
Rent
$1,245
Monthly Cash Flow
$512
Annual Cash Flow
$6,148
Debt Service / Mo
$468
Property Tax / Mo
$103
Insurance / Mo
$37

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,245
Payment Standard
$1,620
Rent
$1,245
Insurance
$37
Property Tax
$103
Management
$124
Utilities Allowance
$375
NOI (Monthly)
$981
Debt Service
$468
Cash Flow After Debt
$512

Quality Score: 81.40%

Confidence: 94.00%

Property appears to be in good, recently renovated condition with modern kitchen and bathrooms, intact hardwood floors, and functioning appliances (per listing). Visible smoke detector and central HVAC are positives. Main inspection risks are items not shown in photos: GFCI protection at kitchen counters, presence/placement of carbon monoxide alarm (if required), verified deadbolt on entry, and unseen electrical panel/water heater condition. No visible structural or life-safety failures. Likely to pass an initial HCV/NSPIRE inspection with minor prep (confirm/install CO alarm, confirm/replace GFCI outlets if needed, ensure deadbolt), and would be rent-ready within ~1–4 weeks depending on documentation and tenant access.

Section 8 Payment Standard
$1,620
Utility Allowance Total
$375
Guaranteed Section 8 Rent (PS - Utilities)
$1,245
Property Management
$124

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$88,000
Beds
3
Baths
2
Living Area
1,145 sqft
Lot Size
14,375 sqft
Year Built
1955
Days on Market
107
Capital Outlay
$21,120
Debt Service
$468
Property Tax / Mo
$103
Insurance / Mo
$37

Property Description

* * REDUCED * * This recently updated 3/1.5 is ready to be called ''HOME''. Offering beautiful hardwood floors throughout the living area, extra large eat-in kitchen with butcherblock counters and large picture windows. Partially furnished AND Washer, Dryer and Fridge come with the property. Huge backyard. Large patio. Large backyard, with a circular patio, workshop & storage Room. Great space for entertaining or just hanging out! Tenant occupied - available to show with notice.

Utility Allowances

Air Conditioning
$12
Property has 'Central Air' according to the listing details.
Cooking
$11
Selected 'Electric' fuel type as the property listing specifies 'Electric Range'.
Heating
$50
Selected 'Electric' as the fuel type for consistency with other appliances. Chose the more expensive 'Electric' option over 'Electric Heat Pump' as the type was not specified.
Other Electric
$69
Standard allowance for miscellaneous tenant-paid electricity.
Range/Microwave
$3
A microwave is not explicitly mentioned as being provided by the landlord, so this is treated as a tenant-owned appliance.
Sewer
$60
Property listing confirms connection to 'Public Sewer'.
Trash Collection
$37
Standard utility for a single-family home, assumed to be a tenant expense.
Water
$104
Property listing confirms connection to 'Public' water source.
Water Heating
$29
Selected 'Electric' fuel type for consistency with other electric appliances in the home.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$437
DP3 Annual Estimate$457
DP1 Monthly Equivalent$36
DP3 Monthly Equivalent$38
Replacement Value$29,230
Basis1,145 sqft / 1955

Nearby Houses

Nearby house 1
Photo unavailable

3858 Meadow Ln

sold · 0.06 mi
Price: $105,000
3 bd / 2 ba · 1,652 sqft
Latest sale: — on Mar 27, 2023
Latest rent: —
Nearby house 2
Photo unavailable

3831 Meadow Lane Rd

off_market · 0.06 mi
Price: $1,050
3 bd / 2 ba
Latest sale: —
Latest rent: $1,050 on Nov 19, 2025
Nearby house 3
Photo unavailable

156 McCluer Rd

for_sale · 0.09 mi
Price: $94,500
6 bd / 4 ba · 2,255 sqft
Latest sale: —
Latest rent: $850 on Mar 03, 2017
Nearby house 4
Photo unavailable

3817 Meadow Ln

sold · 0.09 mi
Price: $85,000
4 bd / 2 ba · 1,820 sqft
Latest sale: — on Sep 26, 2022
Latest rent: —
Nearby house 5
Photo unavailable

245 Wildwood Ter

sold · 0.10 mi
Price: $136,000
3 bd / 2 ba · 1,252 sqft
Latest sale: — on Oct 07, 2025
Latest rent: $850 on Nov 27, 2018

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Listing text is accurate: washer, dryer and refrigerator are included and functioning.
  • Central HVAC is present and operational (supply grille visible in living area).
  • Roof is in serviceable condition based on exterior photo (no visible sagging or missing shingles).
  • Bedrooms shown have adequate egress windows (visible windows appear full-size).
  • GFCI outlets at kitchen counters and a carbon monoxide detector are not visible in photos; their absence is assumed possible but not confirmed. Budget/time for installing these if missing has been considered.
  • Electrical panel, water heater, and any fuel-burning appliances are present but were not photographed; their condition is unverified.
  • Discrepancy in advertised baths (listing text said 1.5, snapshot shows 2) does not materially affect inspection readiness.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,195 $41,230 $6,185
2023 $1,189 $41,230 $6,185
2021 $1,190 $41,230 $6,185
2020 $1,175 $40,960 $6,144
2019 $1,176 $40,960 $6,144
2018 $1,163 $40,960 $6,144
2017 $1,163 $40,960 $6,144
2016 $1,133 $40,960 $6,144
2015 $1,086 $40,470 $6,071
2014 $1,085 $40,470 $6,071
2013 $1,055 $40,470 $6,071
2012 $1,055 $40,470 $6,071
2007 $390 $30,240 $4,536

Sale History

DateEventPrice
2023-06-13 Sold

Photo Gallery

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            "source_name": "MLSUnited",
            "price_change": -5000,
            "days_after_listed": null,
            "source_listing_id": "4130372",
            "price_change_percentage": null
          },
          {
            "date": "2025-11-21",
            "price": 99900,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-11-01T22:45:39Z",
              "list_price": 88000,
              "listing_id": "2987935544",
              "last_update_date": "2026-02-10T17:43:18Z",
              "last_status_change_date": "2026-02-10T17:45:43Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 87.24890829694323,
            "source_name": "MLSUnited",
            "price_change": -5100,
            "days_after_listed": null,
            "source_listing_id": "4130372",
            "price_change_percentage": null
          },
          {
            "date": "2025-11-16",
            "price": 105000,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-11-01T22:45:39Z",
              "list_price": 88000,
              "listing_id": "2987935544",
              "last_update_date": "2026-02-10T17:43:18Z",
              "last_status_change_date": "2026-02-10T17:45:43Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 91.70305676855895,
            "source_name": "MLSUnited",
            "price_change": -5000,
            "days_after_listed": null,
            "source_listing_id": "4130372",
            "price_change_percentage": null
          },
          {
            "date": "2025-11-01",
            "price": 110000,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-11-01T22:45:39Z",
              "list_price": 88000,
              "listing_id": "2987935544",
              "last_update_date": "2026-02-10T17:43:18Z",
              "last_status_change_date": "2026-02-10T17:45:43Z"
            },
            "event_name": "Listed",
            "price_sqft": 96.06986899563319,
            "source_name": "MLSUnited",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "4130372",
            "price_change_percentage": null
          },
          {
            "date": "2023-06-13",
            "price": 0,
            "listing": {
              "status": "sold",
              "list_date": "2024-03-21T19:57:05Z",
              "list_price": 94500,
              "listing_id": "2953788416",
              "last_update_date": "2023-06-13T12:00:34Z",
              "last_status_change_date": "2024-03-21T19:57:05Z"
            },
            "event_name": "Sold",
            "price_sqft": 0,
            "source_name": "MLSUnited",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "4042829",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": true
  },
  "property_id": "7509325197",
  "generated_at": "2026-02-16T23:20:09.556638Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 81.4
  },
  "utility_allowance": {
    "zip_code": "39212",
    "home_photo": "https://ap.rdcpix.com/04936fc1ff25e11ca06d6681d4f8537fl-m2662259240s-w1280.jpg",
    "rent_price": 1245.0,
    "loan_amount": 70400.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/160-Wildwood-Cir_Jackson_MS_39212_M75093-25197",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 88000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 11768.15,
    "mortgage_monthly": 468.37,
    "payment_standard": 1620.0,
    "total_amount_out": 17600.0,
    "additional_photos": [
      "https://ap.rdcpix.com/04936fc1ff25e11ca06d6681d4f8537fl-m407160724s-w1280.jpg",
      "https://ap.rdcpix.com/04936fc1ff25e11ca06d6681d4f8537fl-m566929705s-w1280.jpg",
      "https://ap.rdcpix.com/04936fc1ff25e11ca06d6681d4f8537fl-m3230484332s-w1280.jpg",
      "https://ap.rdcpix.com/04936fc1ff25e11ca06d6681d4f8537fl-m1812468968s-w1280.jpg",
      "https://ap.rdcpix.com/04936fc1ff25e11ca06d6681d4f8537fl-m2188069908s-w1280.jpg",
      "https://ap.rdcpix.com/04936fc1ff25e11ca06d6681d4f8537fl-m2563770916s-w1280.jpg",
      "https://ap.rdcpix.com/04936fc1ff25e11ca06d6681d4f8537fl-m128006102s-w1280.jpg",
      "https://ap.rdcpix.com/04936fc1ff25e11ca06d6681d4f8537fl-m4152050479s-w1280.jpg",
      "https://ap.rdcpix.com/04936fc1ff25e11ca06d6681d4f8537fl-m2727562880s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 37.25,
    "monthly_cash_flow": 980.68,
    "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' according to the listing details.",
        "utility": "Air Conditioning",
        "allowance": 12
      },
      {
        "note": "Selected 'Electric' fuel type as the property listing specifies 'Electric Range'.",
        "utility": "Cooking",
        "allowance": 11
      },
      {
        "note": "Selected 'Electric' as the fuel type for consistency with other appliances. Chose the more expensive 'Electric' option over 'Electric Heat Pump' as the type was not specified.",
        "utility": "Heating",
        "allowance": 50
      },
      {
        "note": "Standard allowance for miscellaneous tenant-paid electricity.",
        "utility": "Other Electric",
        "allowance": 69
      },
      {
        "note": "A microwave is not explicitly mentioned as being provided by the landlord, so this is treated as a tenant-owned appliance.",
        "utility": "Range/Microwave",
        "allowance": 3
      },
      {
        "note": "Property listing confirms connection to 'Public Sewer'.",
        "utility": "Sewer",
        "allowance": 60
      },
      {
        "note": "Standard utility for a single-family home, assumed to be a tenant expense.",
        "utility": "Trash Collection",
        "allowance": 37
      },
      {
        "note": "Property listing confirms connection to 'Public' water source.",
        "utility": "Water",
        "allowance": 104
      },
      {
        "note": "Selected 'Electric' fuel type for consistency with other electric appliances in the home.",
        "utility": "Water Heating",
        "allowance": 29
      }
    ],
    "cash_on_cash_return": 0.67,
    "down_payment_amount": 17600.0,
    "property_tax_annual": 1230.85,
    "property_tax_monthly": 102.57,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 375.0,
    "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": 6147.67,
    "property_management_monthly": 124.5,
    "monthly_cash_flow_after_debt": 512.31,
    "cash_on_cash_return_after_debt": 0.35
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Property appears to be in good, recently renovated condition with modern kitchen and bathrooms, intact hardwood floors, and functioning appliances (per listing). Visible smoke detector and central HVAC are positives. Main inspection risks are items not shown in photos: GFCI protection at kitchen counters, presence/placement of carbon monoxide alarm (if required), verified deadbolt on entry, and unseen electrical panel/water heater condition. No visible structural or life-safety failures. Likely to pass an initial HCV/NSPIRE inspection with minor prep (confirm/install CO alarm, confirm/replace GFCI outlets if needed, ensure deadbolt), and would be rent-ready within ~1–4 weeks depending on documentation and tenant access.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repair needs",
            "score": 85.0,
            "rationale": "Photos and listing show a recently updated interior: refinished hardwoods, fresh paint, updated kitchen cabinets, butcherblock counters, new-looking appliances (range, microwave, dishwasher) and renovated bathrooms. No visible major cosmetic defects, damaged flooring, or failing finishes. Missing minor items (no visible window coverings in some rooms) are easy cosmetic fixes. Tenant-occupied status may limit immediate touch-ups but does not indicate deferred maintenance."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risks",
            "score": 75.0,
            "rationale": "A mounted smoke detector is visible in a bedroom/common area (positive). Bedrooms show adequate windows that appear to provide egress. Entry door and living-room door hardware visible but a verified deadbolt is not clearly shown. No exposed wiring, loose handrails, collapsed ceilings, or visible mold. GFCI outlets near kitchen sink are not clearly identifiable in photos (risk). Carbon monoxide alarm is not visible. Plumbing fixtures appear operational. Because a few code-critical items are not visible (GFCI, CO alarm, verified deadbolt) there is moderate inspection risk, but no obvious life-threatening hazards are seen."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems condition (HVAC/electrical/plumbing/roof)",
            "score": 80.0,
            "rationale": "Ceiling HVAC supply grille is visible in living area indicating central HVAC presence (likely operational). Kitchen appliances are present per listing and photos (fridge, washer/dryer noted in listing). No electrical panel, water heater, or HVAC equipment are pictured, so their condition is assumed but unverified. Roof visible in exterior photo appears intact with no obvious sagging or active leaks. Plumbing fixtures and drains in bathrooms and kitchen appear modern and functional. Overall systems appear recently updated but some critical equipment locations are unverified."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, site and access",
            "score": 80.0,
            "rationale": "Exterior photo shows a straight roofline, painted siding/stucco in good condition, concrete driveway and covered carport. Yard and large backyard noted in listing; no visible standing water, severe grading issues, or foundation cracks in photos. A large trimmed/dead tree stump is present in front yard which could be a minor safety/aesthetic issue but not an inspection failure. Front steps have a railing present. Overall exterior condition appears sound with minor site cleanup possible."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Listing text is accurate: washer, dryer and refrigerator are included and functioning.",
          "Central HVAC is present and operational (supply grille visible in living area).",
          "Roof is in serviceable condition based on exterior photo (no visible sagging or missing shingles).",
          "Bedrooms shown have adequate egress windows (visible windows appear full-size).",
          "GFCI outlets at kitchen counters and a carbon monoxide detector are not visible in photos; their absence is assumed possible but not confirmed. Budget/time for installing these if missing has been considered.",
          "Electrical panel, water heater, and any fuel-burning appliances are present but were not photographed; their condition is unverified.",
          "Discrepancy in advertised baths (listing text said 1.5, snapshot shows 2) does not materially affect inspection readiness."
        ],
        "overall_score": 80.0,
        "rubric_version": "2026-02-Section8-NSPIRE-v1"
      },
      {
        "summary": "This single-family home appears to be renovated and largely rent-ready for a Housing Choice Voucher tenant. Interior finishes, appliances (per listing), and systems visible in photos are in good condition and likely pass an initial NSPIRE inspection after verifying a few code items. Primary inspection risks to confirm before leasing: presence/operation of required smoke and carbon monoxide detectors, GFCI protection at kitchen/bath outlets, electrical panel condition, and water heater operation. Removing the large dead front-yard tree/stub is recommended for safety/curb appeal.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 88.0,
            "rationale": "Photos and listing indicate a recent cosmetic renovation: refinished hardwoods, new paint, updated kitchen cabinets and butcher-block counters, new-looking vinyl bath flooring and modern fixtures. Kitchen appliances (range, over-the-range microwave, dishwasher) are present in photos and listing states fridge + washer/dryer included. No visible major cosmetic deferred maintenance inside. Exterior paint and roof appear in good condition. Only minor exterior cleanup (large dead tree trunk/limb) and routine touch-ups likely required."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risks (NSPIRE)",
            "score": 78.0,
            "rationale": "No visible exposed wiring, obvious trip hazards, collapsed ceilings, severe mold, or major water intrusion in photos. A smoke detector is visible in the bedroom/hall photo. Bedroom windows appear operable and large enough for egress. Entry door appears secure (storm/security door visible). GFCI protection at kitchen sink is not visibly confirmed from photos and no carbon monoxide detector is pictured (CO may be required depending on local rules and presence of fuel-burning appliances). Electrical panel and water heater not shown. Given the clean, renovated interior and lack of visible hazards the risk is moderate — several NSPIRE items are likely compliant but cannot be confirmed from photos alone."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 80.0,
            "rationale": "Central HVAC supply/return vents are visible in photos (indicating a central heating/cooling system). Roof appears recently shingled and in good condition from exterior photo. Plumbing fixtures (kitchen sink, bathroom sinks, toilets) are present and look newly installed. Electrical shortcomings (panel not shown, GFCI presence unknown) and water heater location/condition are not visible, so score reflects likely working systems given recent renovation but deducts for unverified system components."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 82.0,
            "rationale": "Exterior photos show intact siding/paint, an asphalt shingle roof in good visual condition, a paved driveway/carport, and a large usable backyard with patio and outbuilding noted in listing. Landscaping looks maintained. One large dead tree/stub in the front yard is visible and should be removed for safety/insurance reasons, but otherwise no visible foundation movement, standing water, or severe exterior neglect."
          }
        ],
        "red_flags": [],
        "confidence": 0.75,
        "assumptions": [
          "Listing statement that washer, dryer and fridge are included is accurate and those appliances are present and functional.",
          "Central HVAC is operational (supply/return vents visible but system operation not tested in photos).",
          "No active roof leaks or attic/ceiling damage exist since ceilings appear intact in interior photos.",
          "Plumbing (hot water supply, drains) is functional though water heater not pictured.",
          "Electrical panel exists and is intact but was not photographed; no visible exposed wiring observed.",
          "Bedrooms have adequate egress windows based on visible window sizes and locations.",
          "No recent history of fire, flooding, or severe mold (none evident in photos)."
        ],
        "overall_score": 83.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This 3-bed single-family appears largely turnkey for Section 8 tenancy. Interior renovations are recent and appliances are included per listing. No visible life-threatening hazards or structural failures in the provided photos. Primary inspection uncertainties are verification of GFCI outlets in kitchen, presence/function of CO alarm (if required), operational status of HVAC and water heater, and confirmation of an intact electrical panel. The largest exterior concern is a large dead/pruned tree trunk near the house that may need removal. With routine pre-inspection checks (confirm detectors, verify HVAC/hot water, confirm GFCI and deadbolt) this property is likely to pass an initial HCV/NSPIRE inspection with minimal fixes.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Deferred Maintenance",
            "score": 88.0,
            "rationale": "Interior appears recently renovated: refinished hardwoods, new paint, updated kitchen cabinets, butcherblock counters, new-looking flooring in baths, and included major appliances (stove, dishwasher, fridge, washer/dryer per listing). Minor items visible only: typical trim touch-ups and no obvious damage to floors/walls. No visible evidence of collapsed ceilings, exposed subfloor, or major water damage. Missing or non-working small fixtures not observed in photos. Overall low deferred maintenance."
          },
          {
            "key": "safety_code",
            "label": "Safety & NSPIRE Code Risk",
            "score": 80.0,
            "rationale": "One smoke detector is visible in bedroom ceiling (positive). Windows in bedrooms appear to provide egress. Entry appears to have a secure door and a handrail is present at the front steps. No exposed wiring or open electrical boxes observed; outlet covers are present. Bathrooms and kitchen appear finished with modern fixtures. Uncertainties: carbon monoxide detector not visible (requirement depends on presence of fuel-burning appliances/attached garage), GFCI presence/function at kitchen sink not verifiable from photos, and deadbolt on entry not clearly confirmed. No visible mold, peeling paint, or active leaks."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 78.0,
            "rationale": "Ceiling HVAC vents/returns visible indicating central HVAC likely present. Roof shingles visible in front exterior photo look intact and recently replaced. Kitchen plumbing fixtures and appliances appear installed and modern; bathrooms show functioning fixtures. Electrical panel not shown; function of HVAC, hot water heater and electrical system cannot be fully confirmed from photos. No visible signs of roof leaks or plumbing failure, but unverified systems reduce score moderately."
          },
          {
            "key": "exterior_site",
            "label": "Exterior Envelope & Site Condition",
            "score": 75.0,
            "rationale": "Exterior paint/siding looks maintained and roof shingles appear in good condition. Driveway and carport present and intact. Yard is large and generally tidy. Notable issue: large dead tree trunk/majorly pruned tree immediately in front yard close to the house — potential risk for removal costs and yard hazard. Foundation vents visible suggesting crawlspace; no visible major foundation cracks or standing water in photos. Some site work (tree removal) likely needed."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Listing is accurate: refrigerator, washer and dryer are included and present at move-in.",
          "Central HVAC is present and operational (ceiling supply/return vents observed), but not directly tested in photos.",
          "No active fuel-burning appliances inside that would require a CO alarm; if there are gas appliances or an attached, enclosed garage, a CO detector may be required and should be installed if missing.",
          "Electrical panel is intact and properly labeled/covered (not visible in photos).",
          "Hot water heater and plumbing are functional; no active leaks were visible in photos.",
          "Smoke detector shown is functional and additional detectors (per NSPIRE/local code) will be installed in required locations if not already present.",
          "Windows in bedrooms meet egress size requirements (appear to be standard double-hung but not dimension-verified).",
          "No concealed major issues (e.g., severe mold, hidden structural damage) beyond what is visible; photos show finished surfaces without staining or sagging."
        ],
        "overall_score": 81.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "160 Wildwood Cir, Jackson, MS, 39212",
    "aggregate": {
      "summary": "Property appears to be in good, recently renovated condition with modern kitchen and bathrooms, intact hardwood floors, and functioning appliances (per listing). Visible smoke detector and central HVAC are positives. Main inspection risks are items not shown in photos: GFCI protection at kitchen counters, presence/placement of carbon monoxide alarm (if required), verified deadbolt on entry, and unseen electrical panel/water heater condition. No visible structural or life-safety failures. Likely to pass an initial HCV/NSPIRE inspection with minor prep (confirm/install CO alarm, confirm/replace GFCI outlets if needed, ensure deadbolt), and would be rent-ready within ~1–4 weeks depending on documentation and tenant access.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Visible condition & repair needs",
          "score": 87.0,
          "rationale": "Photos and listing show a recently updated interior: refinished hardwoods, fresh paint, updated kitchen cabinets, butcherblock counters, new-looking appliances (range, microwave, dishwasher) and renovated bathrooms. No visible major cosmetic defects, damaged flooring, or failing finishes. Missing minor items (no visible window coverings in some rooms) are easy cosmetic fixes. Tenant-occupied status may limit immediate touch-ups but does not indicate deferred maintenance."
        },
        {
          "key": "exterior_site",
          "label": "Exterior envelope, site and access",
          "score": 79.0,
          "rationale": "Exterior photo shows a straight roofline, painted siding/stucco in good condition, concrete driveway and covered carport. Yard and large backyard noted in listing; no visible standing water, severe grading issues, or foundation cracks in photos. A large trimmed/dead tree stump is present in front yard which could be a minor safety/aesthetic issue but not an inspection failure. Front steps have a railing present. Overall exterior condition appears sound with minor site cleanup possible."
        },
        {
          "key": "safety_code",
          "label": "Section 8 / NSPIRE safety & code risks",
          "score": 77.7,
          "rationale": "A mounted smoke detector is visible in a bedroom/common area (positive). Bedrooms show adequate windows that appear to provide egress. Entry door and living-room door hardware visible but a verified deadbolt is not clearly shown. No exposed wiring, loose handrails, collapsed ceilings, or visible mold. GFCI outlets near kitchen sink are not clearly identifiable in photos (risk). Carbon monoxide alarm is not visible. Plumbing fixtures appear operational. Because a few code-critical items are not visible (GFCI, CO alarm, verified deadbolt) there is moderate inspection risk, but no obvious life-threatening hazards are seen."
        },
        {
          "key": "systems_mechanical",
          "label": "Major systems condition (HVAC/electrical/plumbing/roof)",
          "score": 79.3,
          "rationale": "Ceiling HVAC supply grille is visible in living area indicating central HVAC presence (likely operational). Kitchen appliances are present per listing and photos (fridge, washer/dryer noted in listing). No electrical panel, water heater, or HVAC equipment are pictured, so their condition is assumed but unverified. Roof visible in exterior photo appears intact with no obvious sagging or active leaks. Plumbing fixtures and drains in bathrooms and kitchen appear modern and functional. Overall systems appear recently updated but some critical equipment locations are unverified."
        }
      ],
      "red_flags": [],
      "confidence": 0.94,
      "assumptions": [
        "Listing text is accurate: washer, dryer and refrigerator are included and functioning.",
        "Central HVAC is present and operational (supply grille visible in living area).",
        "Roof is in serviceable condition based on exterior photo (no visible sagging or missing shingles).",
        "Bedrooms shown have adequate egress windows (visible windows appear full-size).",
        "GFCI outlets at kitchen counters and a carbon monoxide detector are not visible in photos; their absence is assumed possible but not confirmed. Budget/time for installing these if missing has been considered.",
        "Electrical panel, water heater, and any fuel-burning appliances are present but were not photographed; their condition is unverified.",
        "Discrepancy in advertised baths (listing text said 1.5, snapshot shows 2) does not materially affect inspection readiness."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 81.4,
      "rubric_version": "2026-02-Section8-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7509325197"
  }
}

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