Property ID: 7517304664
4535 Meadowridge Dr, Jackson, MS, 39206
Jackson, MS
Money Down: $28,320
CoC Return: 16.75%
Monthly Cash Flow: $395
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,600
Closing Costs
$4,720
Total Down
$28,320
Investment Snapshot
Purchase Price
$118,000
Money Down
$28,320
Cash-on-Cash Return
16.75%
Rent
$1,297
Monthly Cash Flow
$395
Annual Cash Flow
$4,743
Debt Service / Mo
$628
Property Tax / Mo
$97
Insurance / Mo
$47
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,297
Payment Standard
$1,690
Rent
$1,297
Insurance
$47
Property Tax
$97
Management
$130
Utilities Allowance
$393
NOI (Monthly)
$1,023
Debt Service
$628
Cash Flow After Debt
$395
Quality Score: 61.80%
Confidence: 92.00%
Overall this property appears moderately ready for Section 8/HCV tenancy. Exterior shows a generally intact envelope and what appears to be a recently re-shingled roof, but visible deferred maintenance (overgrown landscaping, leaf buildup, cracked walkway) and lack of interior/system photos force conservative risk scoring for safety and mechanical items. Tenant-in-place and listing language suggest limited rehab is required; however, confirmatory interior inspection is necessary for smoke/CO detectors, GFCI, heating, hot water, and appliance presence. Expect likely pass after 1–4 weeks of minor fixes (clean-up, walkway repair, detector installation if missing).
Section 8 Payment Standard
$1,690
Utility Allowance Total
$393
Guaranteed Section 8 Rent (PS - Utilities)
$1,297
Property Management
$130
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$118,000
Beds
4
Baths
2
Living Area
1,785 sqft
Lot Size
15,246 sqft
Year Built
1949
Days on Market
22
Capital Outlay
$28,320
Debt Service
$628
Property Tax / Mo
$97
Insurance / Mo
$47
Property Description
INVESTMENT ALERT CASH BONANZA EXCELLENT CASH FLOW WITH TENANT IN PLACE * NO DELAYS * NO REHAB *BUY AND HOLD *PORT PORTFOLIO /MAINSTAY
Utility Allowances
Heating
$26
Property data indicates 'Central' heating and 'Natural Gas Connected', so the natural gas option was selected.
Cooking
$14
The cooking fuel type is not specified. Electric was chosen as it's a common option and the more expensive choice between electric ($14) and natural gas ($10) for a 4BR unit, per the rules.
Water Heating
$23
Property data explicitly lists 'Gas Water Heater' and 'Natural Gas Connected', so the natural gas option was selected.
Air Conditioning
$16
Property data confirms the presence of 'Central Air'.
Other Electric
$88
This is a standard allowance for general electricity usage not covered by other specific appliance categories.
Water
$116
Property data confirms connection to 'Public' water source.
Sewer
$70
Property data confirms connection to a 'Public Sewer' system.
Trash Collection
$37
Trash collection is a standard utility for single-family homes and is inferred to be the tenant's responsibility.
Refrigerator
$0
The property's appliance list includes a refrigerator, so there is no allowance for a tenant-provided one.
Range/Microwave
$3
A microwave is not listed as a provided appliance, so the allowance for a tenant-owned appliance is included.
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$531
DP3 Annual Estimate$607
DP1 Monthly Equivalent$44
DP3 Monthly Equivalent$51
Replacement Value$38,460
Basis1,785 sqft / 1949
Nearby Houses
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4528 Normandy Dr
sold · 0.04 mi
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Latest rent: —
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4534 Meadowridge Dr
sold · 0.04 mi
Price: $175,000
2 bd / 2 ba · 1,204 sqft
Latest sale: — on Jun 17, 2022
Latest rent: —
Photo unavailable
550 Naples Rd
sold · 0.05 mi
Price: $110,000
4 bd / 3 ba · 2,388 sqft
Latest sale: — on Aug 31, 2023
Latest rent: —
Photo unavailable
4528 Meadowridge Dr
for_sale · 0.05 mi
Price: $199,900
3 bd / 2 ba · 1,714 sqft
Latest sale: — on Jun 08, 2020
Latest rent: —
Photo unavailable
4516 Meadowridge Dr
sold · 0.05 mi
Price: $195,000
3 bd / 2 ba · 1,398 sqft
Latest sale: — on Mar 07, 2022
Latest rent: $1,800 on Mar 20, 2025
Photo unavailable
4544 Normandy Dr
sold · 0.05 mi
Price: $54,000
3 bd / 2 ba · 1,704 sqft
Latest sale: — on Sep 29, 2023
Latest rent: $1,600 on Jan 23, 2025
Photo unavailable
4554 Meadowridge Dr
sold · 0.06 mi
Price: $150,000
3 bd / 3 ba · 2,097 sqft
Latest sale: — on May 17, 2024
Latest rent: —
Photo unavailable
4560 Meadowridge Dr
sold · 0.08 mi
Price: $189,900
4 bd / 2 ba · 2,120 sqft
Latest sale: — on Aug 28, 2025
Latest rent: $1,250 on Aug 10, 2019
Photo unavailable
415 E Northside Dr
sold · 0.08 mi
Price: $34,900
3 bd / 2 ba · 1,419 sqft
Latest sale: — on Jun 20, 2025
Latest rent: $1,450 on Aug 09, 2025
Photo unavailable
4519 Normandy Dr
sold · 0.08 mi
Price: $120,000
3 bd / 2 ba · 1,685 sqft
Latest sale: — on Oct 16, 2023
Latest rent: —
Photo unavailable
516 Naples Rd
sold · 0.09 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
- Potential lead-based paint risk: house built in 1949 (requires assessment for peeling paint/lead hazards).
- Trip hazard: cracked/uneven front walkway and heavy leaf cover could be a safety violation if not repaired.
- Overgrown shrubs partially block entry path (egress/access impediment).
- No visible smoke/CO detectors from provided exterior photo (presence and function unknown; NSPIRE requires working detectors).
- Major mechanicals (HVAC, water heater, electrical panel) not visible in photos — system condition uncertain and must be verified.
Assumptions
- Interior is occupied and maintained at an average-tenant level (tenant in place as listed).
- Roof replacement is recent or in good condition based on visible new-appearing shingles; no active leaks inferred from exterior photo.
- Heating/HVAC, water heater, plumbing and electrical are present and operational but not verified; tenant presence suggests functionality.
- Smoke detectors and carbon monoxide alarms are not visible from provided exterior photo and their presence/functionality is unknown.
- No obvious active mold, major water intrusion, or structural collapse is present beyond what is visible in the exterior photo.
- No major interior lead-paint peeling observed (cannot be confirmed); elevated lead-paint risk is assumed due to 1949 build year.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,125 | $73,410 | $7,341 |
| 2023 | $1,118 | $73,410 | $7,341 |
| 2021 | $1,118 | $73,410 | $7,341 |
| 2020 | $1,113 | $73,860 | $7,386 |
| 2019 | $1,114 | $73,860 | $7,386 |
| 2018 | $1,098 | $73,860 | $7,386 |
| 2017 | $1,099 | $73,860 | $7,386 |
| 2016 | $1,062 | $73,860 | $7,386 |
| 2015 | $1,005 | $72,580 | $7,258 |
| 2014 | $1,003 | $72,580 | $7,258 |
| 2013 | $967 | $72,580 | $7,258 |
| 2012 | $967 | $72,580 | $7,258 |
| 2011 | $902 | $69,150 | $6,915 |
| 2010 | $895 | $69,150 | $6,915 |
| 2009 | $1,557 | $69,150 | $10,373 |
| 2008 | $895 | $45,270 | $4,527 |
| 2007 | $593 | $45,270 | $4,527 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-11-07 | Sold | — |
| 2019-07-12 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-10-15 | Listed for rent | $1,650 | — |
Photo Gallery
Show raw JSON (debug)
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"total": 73410,
"building": 38460
},
"assessment": {
"land": 3495,
"total": 7341,
"building": 3846
}
},
{
"tax": 1113,
"year": 2020,
"market": {
"land": 34950,
"total": 73860,
"building": 38910
},
"assessment": {
"land": 3495,
"total": 7386,
"building": 3891
}
},
{
"tax": 1114,
"year": 2019,
"market": {
"land": 34950,
"total": 73860,
"building": 38910
},
"assessment": {
"land": 3495,
"total": 7386,
"building": 3891
}
},
{
"tax": 1098,
"year": 2018,
"market": {
"land": 34950,
"total": 73860,
"building": 38910
},
"assessment": {
"land": 3495,
"total": 7386,
"building": 3891
}
},
{
"tax": 1099,
"year": 2017,
"market": {
"land": 34950,
"total": 73860,
"building": 38910
},
"assessment": {
"land": 3495,
"total": 7386,
"building": 3891
}
},
{
"tax": 1062,
"year": 2016,
"market": {
"land": 34950,
"total": 73860,
"building": 38910
},
"assessment": {
"land": 3495,
"total": 7386,
"building": 3891
}
},
{
"tax": 1005,
"year": 2015,
"market": {
"land": 34950,
"total": 72580,
"building": 37630
},
"assessment": {
"land": 3495,
"total": 7258,
"building": 3763
}
},
{
"tax": 1003,
"year": 2014,
"market": {
"land": 34950,
"total": 72580,
"building": 37630
},
"assessment": {
"land": 3495,
"total": 7258,
"building": 3763
}
},
{
"tax": 967,
"year": 2013,
"market": {
"land": 34950,
"total": 72580,
"building": 37630
},
"assessment": {
"land": 3495,
"total": 7258,
"building": 3763
}
},
{
"tax": 967,
"year": 2012,
"market": {
"land": 34950,
"total": 72580,
"building": 37630
},
"assessment": {
"land": 3495,
"total": 7258,
"building": 3763
}
},
{
"tax": 902,
"year": 2011,
"market": {
"land": 34950,
"total": 69150,
"building": 34200
},
"assessment": {
"land": 3495,
"total": 6915,
"building": 3420
}
},
{
"tax": 895,
"year": 2010,
"market": {
"land": 34950,
"total": 69150,
"building": 34200
},
"assessment": {
"land": 3495,
"total": 6915,
"building": 3420
}
},
{
"tax": 1557,
"year": 2009,
"market": {
"land": 34950,
"total": 69150,
"building": 34200
},
"assessment": {
"land": 5243,
"total": 10373,
"building": 5130
}
},
{
"tax": 895,
"year": 2008,
"market": {
"land": 15000,
"total": 45270,
"building": 30270
},
"assessment": {
"land": 1500,
"total": 4527,
"building": 3027
}
},
{
"tax": 593,
"year": 2007,
"market": {
"land": 15000,
"total": 45270,
"building": 30270
},
"assessment": {
"land": 1500,
"total": 4527,
"building": 3027
}
}
],
"property_history": [
{
"date": "2026-01-25",
"price": 118000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-25T03:18:31Z",
"list_price": 118000,
"listing_id": "2990636782",
"last_update_date": "2026-01-27T16:12:47Z",
"last_status_change_date": "2026-01-25T03:18:31Z"
},
"event_name": "Listed",
"price_sqft": 66.10644257703082,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4137272",
"price_change_percentage": null
},
{
"date": "2024-11-07",
"price": 0,
"listing": {
"status": "sold",
"list_date": "2024-08-15T14:45:51Z",
"list_price": 135000,
"listing_id": "2970762703",
"last_update_date": "2024-11-07T19:13:58Z",
"last_status_change_date": "2024-11-08T01:32:30Z"
},
"event_name": "Sold",
"price_sqft": 0,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "84 days",
"source_listing_id": "4088488",
"price_change_percentage": null
},
{
"date": "2024-09-12",
"price": 135000,
"listing": {
"status": "sold",
"list_date": "2024-08-15T14:45:51Z",
"list_price": 135000,
"listing_id": "2970762703",
"last_update_date": "2024-11-07T19:13:58Z",
"last_status_change_date": "2024-11-08T01:32:30Z"
},
"event_name": "Price Changed",
"price_sqft": 75.63025210084034,
"source_name": "MLSUnited",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "4088488",
"price_change_percentage": null
},
{
"date": "2024-08-15",
"price": 140000,
"listing": {
"status": "sold",
"list_date": "2024-08-15T14:45:51Z",
"list_price": 135000,
"listing_id": "2970762703",
"last_update_date": "2024-11-07T19:13:58Z",
"last_status_change_date": "2024-11-08T01:32:30Z"
},
"event_name": "Listed",
"price_sqft": 78.43137254901961,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4088488",
"price_change_percentage": null
},
{
"date": "2019-07-13",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2019-01-23T14:04:33Z",
"list_price": 119400,
"listing_id": "641513371",
"last_update_date": "2019-06-06T12:53:54Z",
"last_status_change_date": "2019-07-13T06:09:08Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "171 days",
"source_listing_id": "316086",
"price_change_percentage": null
},
{
"date": "2019-06-04",
"price": 119400,
"listing": {
"status": "off_market",
"list_date": "2019-01-23T14:04:33Z",
"list_price": 119400,
"listing_id": "641513371",
"last_update_date": "2019-06-06T12:53:54Z",
"last_status_change_date": "2019-07-13T06:09:08Z"
},
"event_name": "Price Changed",
"price_sqft": 69.58041958041959,
"source_name": "CentralMSMLS",
"price_change": -3000,
"days_after_listed": null,
"source_listing_id": "316086",
"price_change_percentage": null
},
{
"date": "2019-05-26",
"price": 122400,
"listing": {
"status": "off_market",
"list_date": "2019-01-23T14:04:33Z",
"list_price": 119400,
"listing_id": "641513371",
"last_update_date": "2019-06-06T12:53:54Z",
"last_status_change_date": "2019-07-13T06:09:08Z"
},
"event_name": "Price Changed",
"price_sqft": 71.32867132867133,
"source_name": "CentralMSMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "316086",
"price_change_percentage": null
},
{
"date": "2019-04-15",
"price": 127400,
"listing": {
"status": "off_market",
"list_date": "2019-01-23T14:04:33Z",
"list_price": 119400,
"listing_id": "641513371",
"last_update_date": "2019-06-06T12:53:54Z",
"last_status_change_date": "2019-07-13T06:09:08Z"
},
"event_name": "Price Changed",
"price_sqft": 74.24242424242425,
"source_name": "CentralMSMLS",
"price_change": -2500,
"days_after_listed": null,
"source_listing_id": "316086",
"price_change_percentage": null
},
{
"date": "2019-01-23",
"price": 129900,
"listing": {
"status": "off_market",
"list_date": "2019-01-23T14:04:33Z",
"list_price": 119400,
"listing_id": "641513371",
"last_update_date": "2019-06-06T12:53:54Z",
"last_status_change_date": "2019-07-13T06:09:08Z"
},
"event_name": "Listed",
"price_sqft": 75.6993006993007,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "316086",
"price_change_percentage": null
},
{
"date": "2018-11-09",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2018-09-11T17:28:33Z",
"list_price": 139900,
"listing_id": "637472475",
"last_update_date": "2018-09-11T20:45:52Z",
"last_status_change_date": "2018-11-09T09:24:40Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "59 days",
"source_listing_id": "312810",
"price_change_percentage": null
},
{
"date": "2018-09-11",
"price": 139900,
"listing": {
"status": "off_market",
"list_date": "2018-09-11T17:28:33Z",
"list_price": 139900,
"listing_id": "637472475",
"last_update_date": "2018-09-11T20:45:52Z",
"last_status_change_date": "2018-11-09T09:24:40Z"
},
"event_name": "Listed",
"price_sqft": 81.52680652680652,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "312810",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7517304664",
"generated_at": "2026-02-16T22:56:21.017229Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 61.8
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/ecb1c9dff996508d60ce99270c456650l-m501708232s-w1280.jpg",
"rent_price": 1297.0,
"loan_amount": 94400.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4535-Meadowridge-Dr_Jackson_MS_39206_M75173-04664",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 118000.0,
"loan_term_years": 30,
"annual_cash_flow": 12279.85,
"mortgage_monthly": 628.05,
"payment_standard": 1690.0,
"total_amount_out": 23600.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 47.42,
"monthly_cash_flow": 1023.32,
"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 data indicates 'Central' heating and 'Natural Gas Connected', so the natural gas option was selected.",
"utility": "Heating",
"allowance": 26
},
{
"note": "The cooking fuel type is not specified. Electric was chosen as it's a common option and the more expensive choice between electric ($14) and natural gas ($10) for a 4BR unit, per the rules.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Property data explicitly lists 'Gas Water Heater' and 'Natural Gas Connected', so the natural gas option was selected.",
"utility": "Water Heating",
"allowance": 23
},
{
"note": "Property data confirms the presence of 'Central Air'.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "This is a standard allowance for general electricity usage not covered by other specific appliance categories.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Property data confirms connection to 'Public' water source.",
"utility": "Water",
"allowance": 116
},
{
"note": "Property data confirms connection to a 'Public Sewer' system.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Trash collection is a standard utility for single-family homes and is inferred to be the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property's appliance list includes a refrigerator, so there is no allowance for a tenant-provided one.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A microwave is not listed as a provided appliance, so the allowance for a tenant-owned appliance is included.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 23600.0,
"property_tax_annual": 1158.75,
"property_tax_monthly": 96.56,
"property_tax_increase": 0.03,
"utility_allowance_total": 393.0,
"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": 4743.3,
"property_management_monthly": 129.7,
"monthly_cash_flow_after_debt": 395.28,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this property appears moderately ready for Section 8/HCV tenancy. Exterior shows a generally intact envelope and what appears to be a recently re-shingled roof, but visible deferred maintenance (overgrown landscaping, leaf buildup, cracked walkway) and lack of interior/system photos force conservative risk scoring for safety and mechanical items. Tenant-in-place and listing language suggest limited rehab is required; however, confirmatory interior inspection is necessary for smoke/CO detectors, GFCI, heating, hot water, and appliance presence. Expect likely pass after 1–4 weeks of minor fixes (clean-up, walkway repair, detector installation if missing).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Exterior photo shows intact siding, roof shingles that appear recently replaced, and no obvious collapsed elements. Visible deferred maintenance is limited to overgrown shrubs, leaf buildup, and a cracked/uneven front walkway. Listing states 'NO REHAB' and tenant in place, suggesting interior is occupied and not heavily distressed. Missing interior photos prevent appliance verification; missing appliances would moderately reduce score if confirmed but are not evident from provided materials."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Many NSPIRE safety items cannot be confirmed from the single exterior photo. Observed risks: cracked/uneven front walkway (trip hazard) and overgrown vegetation partially blocking approach. No smoke or CO detectors are visible from exterior images (not conclusive). House built 1949 -> elevated lead-paint risk if any paint is peeling (not clearly visible). No exposed electrical hazards or major roof leaks visible. Lack of interior views forces conservative scoring for egress windows, GFCI, detectors, and handrails."
},
{
"key": "systems_mechanical",
"label": "Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 60.0,
"rationale": "Roof shingles look recently replaced and appear serviceable from the photo. No visible signs of active water intrusion or sagging roofline. HVAC, water heater, electrical panel, and plumbing cannot be visually confirmed; a tenant present suggests systems are functional but age (1949) implies potential for older mechanicals. Without interior/system documentation, score is moderate to reflect probable operability but unknown remaining life and code/upgrades."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Yard is heavily leaf-covered and overgrown; shrubs obscure the front entry. Walkway is cracked/uneven and may present a liability/trip hazard. Siding and foundation appear intact at a glance with no visible major cracks or collapse. No evidence of standing water or infestation visible in the image, but limited vantage and vegetation conceal some conditions."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Potential lead-based paint risk: house built in 1949 (requires assessment for peeling paint/lead hazards).",
"Trip hazard: cracked/uneven front walkway and heavy leaf cover could be a safety violation if not repaired.",
"Overgrown shrubs partially block entry path (egress/access impediment).",
"No visible smoke/CO detectors from provided exterior photo (presence and function unknown; NSPIRE requires working detectors).",
"Major mechanicals (HVAC, water heater, electrical panel) not visible in photos — system condition uncertain and must be verified."
],
"confidence": 0.55,
"assumptions": [
"Interior is occupied and maintained at an average-tenant level (tenant in place as listed).",
"Roof replacement is recent or in good condition based on visible new-appearing shingles; no active leaks inferred from exterior photo.",
"Heating/HVAC, water heater, plumbing and electrical are present and operational but not verified; tenant presence suggests functionality.",
"Smoke detectors and carbon monoxide alarms are not visible from provided exterior photo and their presence/functionality is unknown.",
"No obvious active mold, major water intrusion, or structural collapse is present beyond what is visible in the exterior photo.",
"No major interior lead-paint peeling observed (cannot be confirmed); elevated lead-paint risk is assumed due to 1949 build year."
],
"overall_score": 67.0,
"rubric_version": "ns-pinspect-v1.0"
},
{
"summary": "Exterior shows a generally intact, older single-family home with moderate cosmetic deferred maintenance (overgrown landscaping, worn paint, cracked walkway, missing handrail). No visible structural collapse or active roof failure. Key NSPIRE risks are unknown interior safety items (smoke/CO detectors, GFCI, egress windows), potential lead-paint (house built 1949), and entry/stair/sidewalk trip hazards. Given tenant-in-place and intact roof, the property is likely to pass an initial HCV inspection after addressing exterior trip hazards, installing/confirming smoke & CO detectors and handrail, and verifying interior systems — estimated rent-ready with minor repairs within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 65.0,
"rationale": "Exterior photo shows cosmetic deferred maintenance: overgrown shrubs, leaf/debris accumulation, worn/aged siding paint and some concrete walkway damage. Roof shingles appear intact with no visible sag or missing large sections. No interior photos to confirm appliances or interior finishes; listing claims 'NO REHAB' and tenant in place which suggests basic functionality. Missing/unknown interior items (appliances, floor/cabinet condition) reduce certainty but are not visibly catastrophic from the exterior. Overall moderate cosmetic work and targeted repairs expected (landscaping, paint touch-up, step/porch repairs, walkway)."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Photo does not show handrails on the front steps and the concrete walkway appears uneven (trip hazard). Home built 1949 with visible weathered paint — potential lead-paint risk until proven otherwise. No visible exposed wiring or collapsed structure; roof shows no obvious active leaks. Cannot confirm smoke/CO detectors, GFCI, egress windows, or presence of deadbolt. These unknowns create moderate NSPIRE risk; visible issues (no handrail, walkway hazard, potential peeling paint) could lead to inspection items if not remediated."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 60.0,
"rationale": "Roof appears in serviceable condition from photo (no visible holes or sag). No exterior HVAC condenser visible in the photo and no interior/system photos provided; water heater, HVAC, plumbing and electrical panel condition are unknown. Tenant-in-place and listing language imply systems are functioning, but absence of visible mechanical equipment and age of house increase uncertainty. Expect routine verification and likely minor servicing rather than major replacement based on exterior evidence."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 60.0,
"rationale": "Yard is cluttered with leaves and overgrown shrubs that encroach on walkways/entry and could conceal trip hazards or pests. Walkway shows cracking/edge deterioration which is a slip/trip risk and will likely be flagged. Siding looks aged with possible peeling; foundation is not visibly failing in the provided image (no obvious settling or large cracks). No standing water or major exterior structural failure observed. Landscaping and entry repairs are needed to meet safe access standards."
},
{
"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": [
"Potential lead-based paint risk (built 1949 with weathered paint visible)",
"No visible handrail / potentially unsafe front steps (unsafe stairs / broken handrail risk)",
"Concrete walkway damage and uneven surface creating a trip hazard",
"Overgrown landscaping obstructing entry and potentially concealing hazards or pests",
"No visible exterior HVAC unit (heating/cooling system presence not confirmed) — must verify heating for inspection"
],
"confidence": 0.5,
"assumptions": [
"Interior condition, presence/operation of stove/refrigerator, plumbing fixtures, water heater, HVAC, and electrical panel are not visible; assume basic functionality because of tenant-in-place and listing 'NO REHAB'.",
"Roof is serviceable since shingles appear intact in the photo; no active interior leaks are assumed but not confirmed.",
"No visible exterior electrical hazards from the provided photo. Interior electrical and GFCI status unknown and need verification.",
"House is likely to have lead-based paint risk due to 1949 build date and visible aged exterior paint; testing/abatement may be required per HUD rules if disturbed.",
"No signs of major foundation movement or structural sagging were visible in the provided exterior photo.",
"No interior photos provided, so smoke/CO detectors, secure locks, egress window compliance, and interior mold/moisture cannot be confirmed and must be inspected."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this property appears to be a minor‑repairs candidate for Section 8 / HCV tenancy. Exterior photo shows an intact structure with a seemingly sound roof but noticeable cosmetic and site maintenance issues (overgrown landscaping, leaf/debris in gutters, cracked walkway, no visible handrail). Key life‑safety and mechanical elements (smoke/CO detectors, GFCI, HVAC, hot water, electrical panel) are not visible in the images and should be verified; these are likely addressable within 1–4 weeks. Because the property has a recent rental event and a tenant in place, it is more likely to be passable once standard safety items are confirmed/installed. Recommended pre‑inspection items: install/verify smoke and CO detectors, add/repair handrail if required, clear vegetation and debris, patch walkway trip hazards, confirm GFCI outlets and hot water, and obtain documentation for mechanical systems. With these actions the property is likely to pass an initial NSPIRE/HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photo shows an older but intact single‑story home with relatively new-looking roof shingles and no visible major structural damage. Observable deferred maintenance: overgrown shrubs blocking the porch/entry, leaf/debris accumulation on roof and yard, and a cracked/uneven concrete walkway. Listing states 'NO REHAB' and tenant in place. Interior condition not provided; missing appliances not shown and therefore not penalized heavily. Overall: mostly cosmetic and minor repair items visible; likely moderate/quick repairs (landscaping, walkway patching, minor exterior paint touch-up)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Photo does not show required life‑safety elements (smoke/CO detectors) and interior cannot be inspected from available images. Potential hazards observed or inferred: porch steps have no visible handrail (possible code failure depending on rise), shrubs obstructing egress, and leaf/debris in gutters/roof could indicate drainage issues. Property built in 1949 creates a lead‑paint risk that requires disclosure and possible remediation if peeling paint is present. No clear signs of active roof leaks, collapsed ceilings, or exposed wiring in the photo. Given unknowns for GFCI outlets, functioning detectors, hot water, and egress windows, there is moderate NSPIRE risk that should be addressable prior to/at inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 60.0,
"rationale": "Roof appears to have relatively new shingles and no visible sagging or active leaks in the provided exterior photo. No HVAC equipment, water heater, electrical panel, or plumbing fixtures are visible in images; listing provides no system details. Age of home (1949) increases probability of older HVAC/electrical equipment but listing claim of 'NO REHAB' and active tenant suggest systems are operational. Without interior/system photos, score is cautious — moderate confidence that systems are functional but require verification (HVAC operation, hot water, electrical panel condition, GFCI protection)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Front yard is unkempt with heavy leaf cover; shrubs overgrown and partially obstruct entry. Concrete path shows cracking/unevenness that could be a trip hazard. Siding/paint appears aged but intact; no visible foundation cracking, standing water, or major envelope failure in the single photo. Driveway not clearly visible. Gutters appear to have leaf buildup which can affect drainage if not addressed. Overall exterior issues are largely cosmetic and site‑maintenance related."
},
{
"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": [
"Potential lack of handrail/unsafe porch steps (porch steps appear to have no visible handrail).",
"Lead‑based paint risk due to construction year (1949) — requires disclosure and possible remediation if deteriorated paint exists.",
"No visible smoke or carbon monoxide detectors in available imagery (must be verified/installed).",
"Overgrown vegetation and debris on roof/gutters that may conceal drainage issues or lead to water intrusion if not cleared."
],
"confidence": 0.6,
"assumptions": [
"Only one exterior front photo was provided; interior condition, appliances, HVAC, water heater, electrical panel, and detectors were not shown.",
"Listing text ('NO REHAB' and tenant in place) is taken at face value and suggests basic systems are operational.",
"Roof shingles visible in photo are assumed to be in reasonable condition (no active leaks) despite leaf debris.",
"No visible major foundation cracks, sagging, or collapsed elements exist beyond what is shown in the single photo.",
"No evidence of severe mold, active leaks, or fire damage in the provided image; absence cannot be fully confirmed without interior inspection.",
"Because the house was built in 1949, lead‑based paint risk is assumed present and will require disclosure and inspection if peeling paint is found."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4535 Meadowridge Dr, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall this property appears moderately ready for Section 8/HCV tenancy. Exterior shows a generally intact envelope and what appears to be a recently re-shingled roof, but visible deferred maintenance (overgrown landscaping, leaf buildup, cracked walkway) and lack of interior/system photos force conservative risk scoring for safety and mechanical items. Tenant-in-place and listing language suggest limited rehab is required; however, confirmatory interior inspection is necessary for smoke/CO detectors, GFCI, heating, hot water, and appliance presence. Expect likely pass after 1–4 weeks of minor fixes (clean-up, walkway repair, detector installation if missing).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 69.0,
"rationale": "Exterior photo shows intact siding, roof shingles that appear recently replaced, and no obvious collapsed elements. Visible deferred maintenance is limited to overgrown shrubs, leaf buildup, and a cracked/uneven front walkway. Listing states 'NO REHAB' and tenant in place, suggesting interior is occupied and not heavily distressed. Missing interior photos prevent appliance verification; missing appliances would moderately reduce score if confirmed but are not evident from provided materials."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Yard is heavily leaf-covered and overgrown; shrubs obscure the front entry. Walkway is cracked/uneven and may present a liability/trip hazard. Siding and foundation appear intact at a glance with no visible major cracks or collapse. No evidence of standing water or infestation visible in the image, but limited vantage and vegetation conceal some conditions."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Many NSPIRE safety items cannot be confirmed from the single exterior photo. Observed risks: cracked/uneven front walkway (trip hazard) and overgrown vegetation partially blocking approach. No smoke or CO detectors are visible from exterior images (not conclusive). House built 1949 -> elevated lead-paint risk if any paint is peeling (not clearly visible). No exposed electrical hazards or major roof leaks visible. Lack of interior views forces conservative scoring for egress windows, GFCI, detectors, and handrails."
},
{
"key": "systems_mechanical",
"label": "Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 60.0,
"rationale": "Roof shingles look recently replaced and appear serviceable from the photo. No visible signs of active water intrusion or sagging roofline. HVAC, water heater, electrical panel, and plumbing cannot be visually confirmed; a tenant present suggests systems are functional but age (1949) implies potential for older mechanicals. Without interior/system documentation, score is moderate to reflect probable operability but unknown remaining life and code/upgrades."
}
],
"red_flags": [
"Potential lead-based paint risk: house built in 1949 (requires assessment for peeling paint/lead hazards).",
"Trip hazard: cracked/uneven front walkway and heavy leaf cover could be a safety violation if not repaired.",
"Overgrown shrubs partially block entry path (egress/access impediment).",
"No visible smoke/CO detectors from provided exterior photo (presence and function unknown; NSPIRE requires working detectors).",
"Major mechanicals (HVAC, water heater, electrical panel) not visible in photos — system condition uncertain and must be verified."
],
"confidence": 0.92,
"assumptions": [
"Interior is occupied and maintained at an average-tenant level (tenant in place as listed).",
"Roof replacement is recent or in good condition based on visible new-appearing shingles; no active leaks inferred from exterior photo.",
"Heating/HVAC, water heater, plumbing and electrical are present and operational but not verified; tenant presence suggests functionality.",
"Smoke detectors and carbon monoxide alarms are not visible from provided exterior photo and their presence/functionality is unknown.",
"No obvious active mold, major water intrusion, or structural collapse is present beyond what is visible in the exterior photo.",
"No major interior lead-paint peeling observed (cannot be confirmed); elevated lead-paint risk is assumed due to 1949 build year."
],
"score_method": "mean_of_criteria",
"overall_score": 61.8,
"rubric_version": "ns-pinspect-v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7517304664"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.