Property ID: 7549113852
1026 Branch St, Jackson, MS, 39212
Jackson, MS
Money Down: $13,200
CoC Return: 63.33%
Monthly Cash Flow: $697
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$11,000
Closing Costs
$2,200
Total Down
$13,200
Investment Snapshot
Purchase Price
$55,000
Money Down
$13,200
Cash-on-Cash Return
63.33%
Rent
$1,241
Monthly Cash Flow
$697
Annual Cash Flow
$8,359
Debt Service / Mo
$293
Property Tax / Mo
$95
Insurance / Mo
$33
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,241
Payment Standard
$1,620
Rent
$1,241
Insurance
$33
Property Tax
$95
Management
$124
Utilities Allowance
$379
NOI (Monthly)
$989
Debt Service
$293
Cash Flow After Debt
$697
Quality Score: 76.80%
Confidence: 88.00%
Based on photos and listing data, this 3-bed, 2-bath 1961 home presents as a cosmetic fixer-upper that is largely turn-key for an HCV inspection. Interiors are freshly painted with new-looking floors, functioning kitchen and baths, and evidence of central HVAC. Main unknowns are location/installation of CO detector (if required), presence of deadbolt on entry, electrical panel and water heater condition, and age of the roof. Likely to pass an initial HCV/NSPIRE inspection after confirming CO/smoke detector locations, adding/verification of deadbolt, and a quick mechanical check — overall ready within 1–2 weeks to 30 days depending on minor fixes.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,241
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$55,000
Beds
3
Baths
2
Living Area
1,236 sqft
Lot Size
10,019 sqft
Year Built
1961
Days on Market
20
Capital Outlay
$13,200
Debt Service
$293
Property Tax / Mo
$95
Insurance / Mo
$33
Property Description
This home features a functional layout with generous room sizes and a solid footprint ready for updates and improvements. Situated in South Jackson, the home is part of an established residential community with long-term neighbors and convenient access to schools, local churches, neighborhood parks, and shopping. The area provides easy connectivity to major roadways, making commutes to downtown Jackson, medical centers, and surrounding employment hubs straightforward. With the right vision, this fixer-upper can be transformed into a comfortable primary residence or a reliable rental property.
Utility Allowances
Air Conditioning
$12
The property is a single-family home in Mississippi, where air conditioning is a standard necessity. Despite conflicting data ('cooling: [None]'), it is assumed the tenant will use AC.
Cooking
$11
The property lists 'Electricity Available' and photos show an electric stove. Electric was chosen over other fuel types.
Heating
$50
The heating fuel type is ambiguous ('Other'). 'Electric' was selected as a plausible option that is more expensive than natural gas, per the rules.
Other Electric
$69
This is a standard allowance for general electricity use (lights, outlets) in a home of this size.
Range/Microwave
$3
The property listing does not explicitly state a microwave is provided by the landlord, so it's assumed to be a tenant-owned appliance.
Refrigerator
$4
The property listing does not explicitly state a refrigerator is provided by the landlord, so it's assumed to be a tenant-owned appliance.
Sewer
$60
The property details explicitly state the property is connected to a 'Public Sewer' system.
Trash Collection
$37
This is a standard allowance for municipal trash collection for a single-family residence.
Water
$104
The property details explicitly state the property is connected to a 'Public' water source.
Water Heating
$29
The water heater fuel type is not specified. 'Electric' was selected as a plausible option that is more expensive than natural gas, per the rules.
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$369
DP3 Annual Estimate$420
DP1 Monthly Equivalent$31
DP3 Monthly Equivalent$35
Replacement Value$23,040
Basis1,236 sqft / 1961
Nearby Houses
Photo unavailable
1027 Woodville Dr
sold · 0.03 mi
Price: $45,000
3 bd / 2 ba · 1,469 sqft
Latest sale: — on Mar 14, 2022
Latest rent: $1,100 on Sep 18, 2025
Photo unavailable
1042 Branch St
sold · 0.03 mi
Price: $97,500
4 bd / 1 ba · 1,247 sqft
Latest sale: — on Sep 04, 2024
Latest rent: $1,200 on Feb 12, 2025
Photo unavailable
1010 Branch St
sold · 0.03 mi
Price: $49,900
3 bd / 2 ba · 1,332 sqft
Latest sale: — on Feb 25, 2025
Latest rent: $1,450 on Apr 23, 2025
Photo unavailable
1009 Branch St
sold · 0.05 mi
Price: $73,000
3 bd / 2 ba · 1,346 sqft
Latest sale: — on Aug 31, 2022
Latest rent: $1,300 on Jul 31, 2024
Photo unavailable
1026 Woodville Dr
sold · 0.07 mi
Price: $95,000
3 bd / 2 ba · 1,035 sqft
Latest sale: — on Apr 10, 2024
Latest rent: $900 on Jan 30, 2020
Photo unavailable
1014 Woodville Dr
sold · 0.07 mi
Price: $75,000
3 bd / 2 ba · 1,146 sqft
Latest sale: — on Oct 03, 2023
Latest rent: $1,475 on Feb 22, 2024
Photo unavailable
1036 Fairway St
sold · 0.08 mi
Price: $100,000
3 bd / 2 ba · 1,581 sqft
Latest sale: — on Jul 28, 2023
Latest rent: $1,100 on Mar 25, 2023
Photo unavailable
1051 Woodville Dr
sold · 0.08 mi
Price: $65,000
3 bd / 2 ba · 1,936 sqft
Latest sale: — on Jan 25, 2024
Latest rent: $900 on Oct 10, 2018
Photo unavailable
1011 Fairway St
sold · 0.10 mi
Price: $91,900
3 bd / 2 ba · 1,161 sqft
Latest sale: — on Jan 06, 2025
Latest rent: $1,495 on Aug 25, 2025
Photo unavailable
3144 Woodville Cir
sold · 0.10 mi
Price: $89,900
3 bd / 2 ba · 1,588 sqft
Latest sale: — on Aug 16, 2024
Latest rent: $1,628 on Aug 19, 2024
Photo unavailable
950 Woodville Dr
sold · 0.11 mi
Price: $17,500
3 bd / 2 ba · 1,362 sqft
Latest sale: — on Sep 05, 2025
Latest rent: —
Photo unavailable
3253 Ridgeland Dr
sold · 0.11 mi
Price: $55,000
3 bd / 2 ba · 1,506 sqft
Latest sale: — on Apr 17, 2025
Latest rent: $1,400 on Aug 02, 2025
Photo unavailable
3115 Ridgeland Dr
off_market · 0.11 mi
Price: $1,400
3 bd / 2 ba
Latest sale: —
Latest rent: $1,400 on Oct 29, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC system is present and operational (supply/return vents visible).
- Stove and refrigerator shown in photos are present and functional; stove fuel type not confirmed.
- Water heater and electrical panel exist and are serviceable though not photographed.
- Smoke detector exists (round device above entry likely a smoke alarm); carbon monoxide alarm presence is unknown.
- No visible roof leaks or interior water staining implies roof is performing, though shingles are aged.
- Windows shown provide required bedroom egress and are operable.
- No significant hidden mold, asbestos, or major foundation movement beyond what is visible in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,103 | $38,040 | $5,706 |
| 2023 | $1,097 | $38,040 | $5,706 |
| 2021 | $1,097 | $38,040 | $5,706 |
| 2020 | $1,072 | $37,380 | $5,607 |
| 2019 | $1,073 | $37,380 | $5,607 |
| 2018 | $1,061 | $37,380 | $5,607 |
| 2017 | $1,062 | $37,380 | $5,607 |
| 2016 | $1,034 | $37,380 | $5,607 |
| 2015 | $443 | $16,500 | $2,475 |
| 2014 | $442 | $16,500 | $2,475 |
| 2013 | $430 | $16,500 | $2,475 |
| 2012 | $430 | $16,500 | $2,475 |
| 2011 | $424 | $16,500 | $2,475 |
| 2010 | $421 | $16,500 | $2,475 |
| 2009 | $816 | $31,960 | $4,794 |
| 2008 | $816 | $24,000 | $3,600 |
| 2007 | $619 | $24,000 | $3,600 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-27 | Listed | $55,000 |
| 2025-12-19 | Listing removed | $0 |
| 2025-10-31 | Price Changed | $55,000 |
| 2025-10-06 | Price Changed | $62,500 |
| 2025-07-14 | Price Changed | $69,000 |
| 2025-06-05 | Price Changed | $75,000 |
| 2025-04-18 | Price Changed | $80,000 |
| 2025-02-21 | Listed | $90,000 |
| 2025-01-28 | Listing removed | $0 |
| 2025-01-27 | Listing removed | $0 |
| 2025-01-17 | Listed for rent | $1,120 |
| 2025-01-16 | Listed for rent | $1,120 |
| 2023-08-18 | Listing removed | $0 |
| 2023-08-18 | Listing removed | $0 |
| 2023-08-17 | Listing removed | $0 |
| 2023-08-11 | Price Changed for rent | $1,025 |
| 2023-08-10 | Price Changed for rent | $1,025 |
| 2023-08-10 | Price Changed for rent | $1,025 |
| 2023-08-09 | Listed for rent | $1,050 |
| 2023-07-18 | Listed for rent | $1,050 |
| 2023-07-18 | Listed for rent | $1,050 |
| 2022-05-12 | Listing removed | $0 |
| 2022-05-09 | Listed for rent | $1,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-01-17 | Listed for rent | $1,120 | — |
| 2023-07-17 | Listed for rent | $1,050 | — |
| 2022-04-25 | Listed for rent | $1,000 | — |
| 2021-03-03 | Listed for rent | $1,000 | — |
Photo Gallery
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{
"date": "2025-07-14",
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},
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{
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},
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{
"date": "2025-04-18",
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},
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{
"date": "2025-02-21",
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},
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},
{
"date": "2025-01-28",
"price": 0,
"listing": {
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"list_price": 1120,
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},
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{
"date": "2025-01-27",
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"listing": {
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"list_price": 1120,
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{
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{
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{
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{
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{
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{
"date": "2023-08-11",
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{
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{
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{
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{
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{
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{
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}
],
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}
},
"rmn_listing_attribution": true
},
"property_id": "7549113852",
"generated_at": "2026-02-16T23:18:14.906256Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 76.8
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/4d5a09a897f3931bcadca2e6c2647165l-m3583025356s-w1280.jpg",
"rent_price": 1241.0,
"loan_amount": 44000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1026-Branch-St_Jackson_MS_39212_M75491-13852",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 55000.0,
"loan_term_years": 30,
"annual_cash_flow": 11872.21,
"mortgage_monthly": 292.73,
"payment_standard": 1620.0,
"total_amount_out": 11000.0,
"additional_photos": [
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"https://ap.rdcpix.com/4d5a09a897f3931bcadca2e6c2647165l-m3622935345s-w1280.jpg",
"https://ap.rdcpix.com/4d5a09a897f3931bcadca2e6c2647165l-m453796569s-w1280.jpg",
"https://ap.rdcpix.com/4d5a09a897f3931bcadca2e6c2647165l-m3689568265s-w1280.jpg",
"https://ap.rdcpix.com/4d5a09a897f3931bcadca2e6c2647165l-m3241550445s-w1280.jpg",
"https://ap.rdcpix.com/4d5a09a897f3931bcadca2e6c2647165l-m3514027977s-w1280.jpg",
"https://ap.rdcpix.com/4d5a09a897f3931bcadca2e6c2647165l-m2012503306s-w1280.jpg",
"https://ap.rdcpix.com/4d5a09a897f3931bcadca2e6c2647165l-m1882205418s-w1280.jpg",
"https://ap.rdcpix.com/4d5a09a897f3931bcadca2e6c2647165l-m3552551590s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 32.88,
"monthly_cash_flow": 989.35,
"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": "The property is a single-family home in Mississippi, where air conditioning is a standard necessity. Despite conflicting data ('cooling: [None]'), it is assumed the tenant will use AC.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "The property lists 'Electricity Available' and photos show an electric stove. Electric was chosen over other fuel types.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "The heating fuel type is ambiguous ('Other'). 'Electric' was selected as a plausible option that is more expensive than natural gas, per the rules.",
"utility": "Heating",
"allowance": 50
},
{
"note": "This is a standard allowance for general electricity use (lights, outlets) in a home of this size.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "The property listing does not explicitly state a microwave is provided by the landlord, so it's assumed to be a tenant-owned appliance.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property listing does not explicitly state a refrigerator is provided by the landlord, so it's assumed to be a tenant-owned appliance.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property details explicitly state the property is connected to a 'Public Sewer' system.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "This is a standard allowance for municipal trash collection for a single-family residence.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property details explicitly state the property is connected to a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "The water heater fuel type is not specified. 'Electric' was selected as a plausible option that is more expensive than natural gas, per the rules.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 1.08,
"down_payment_amount": 11000.0,
"property_tax_annual": 1136.09,
"property_tax_monthly": 94.67,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"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": 8359.41,
"property_management_monthly": 124.1,
"monthly_cash_flow_after_debt": 696.62,
"cash_on_cash_return_after_debt": 0.76
},
"section8_assessment": {
"runs": [
{
"summary": "Based on photos and listing data, this 3-bed, 2-bath 1961 home presents as a cosmetic fixer-upper that is largely turn-key for an HCV inspection. Interiors are freshly painted with new-looking floors, functioning kitchen and baths, and evidence of central HVAC. Main unknowns are location/installation of CO detector (if required), presence of deadbolt on entry, electrical panel and water heater condition, and age of the roof. Likely to pass an initial HCV/NSPIRE inspection after confirming CO/smoke detector locations, adding/verification of deadbolt, and a quick mechanical check — overall ready within 1–2 weeks to 30 days depending on minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Interior photos show recent cosmetic updates: fresh paint, new-looking vinyl plank flooring, intact trim, cabinets and countertops. Kitchen and baths are installed and appear functional. Appliances (stove and refrigerator) are present in photos. Minor exterior cosmetic items (driveway staining, aged roof shingles) visible but not repair-critical. No visible major plumbing or finish deterioration."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 80.0,
"rationale": "No visible exposed wiring, trip hazards, or active water stains/mold in photos. A ceiling-mounted round device visible near entry likely a smoke detector. Bedrooms show adequate windows for egress. Entry door appears secure but a deadbolt is not clearly visible in images. Carbon monoxide detector presence is not verifiable (if the range is gas, CO alarm may be required). GFCI outlet coverage in kitchen/bath is not visible. These unknowns lower the score slightly despite generally safe appearing interior."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 78.0,
"rationale": "Ceiling HVAC supply/return vents visible indicating central HVAC likely present. No visible signs of plumbing failure; baths/kitchen fixtures appear operational. Electrical panel and water heater not shown. Roof shingles appear aged but no visible sagging or obvious leak staining inside. Because critical equipment (panel, water heater, furnace/AC condensing unit) are not pictured, there is moderate uncertainty about end-to-end system condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Exterior siding and paint look maintained; yard is mowed and site appears free of debris. Carport/covered parking present. Driveway shows staining/age. No visible foundation cracking, major grading issues, standing water, or infestation evidence in provided exterior photo. Mature trees close to house could present future maintenance considerations but create no immediate visible hazard."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Central HVAC system is present and operational (supply/return vents visible).",
"Stove and refrigerator shown in photos are present and functional; stove fuel type not confirmed.",
"Water heater and electrical panel exist and are serviceable though not photographed.",
"Smoke detector exists (round device above entry likely a smoke alarm); carbon monoxide alarm presence is unknown.",
"No visible roof leaks or interior water staining implies roof is performing, though shingles are aged.",
"Windows shown provide required bedroom egress and are operable.",
"No significant hidden mold, asbestos, or major foundation movement beyond what is visible in photos."
],
"overall_score": 83.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "Overall this 3-bed/2-bath property appears largely rehabbed cosmetically and is likely to pass a Housing Choice Voucher (NSPIRE) initial inspection after addressing a few quick items. Primary actions before inspection: verify/install working smoke and (if required) carbon monoxide alarms, confirm GFCI protection in kitchen/bath, confirm presence of a secure deadbolt on the entry, and document electrical panel, water heater and HVAC operation. With those items verified/fixed it should be rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic rehab: clean paint, new-looking vinyl plank flooring, intact trim, functioning doors and windows. Kitchen and bath fixtures present; stove and refrigerator visible. Minor cosmetic items observed (tile vanity edging in one bathroom, basic light fixtures). Exterior shows painted siding and maintained lawn. No visible severe deferred maintenance. Missing minor finish repairs only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No visible exposed wiring, ceiling/roof sagging, mold, or major trip hazards in photos. A small round device above entry suggests a smoke detector is present, but carbon monoxide detector is not visible and GFCI receptacles (kitchen/bath) are not clearly identified in photos. Deadbolt presence on entry door unclear. Bedrooms have windows that appear to provide egress. Because several NSPIRE-required items (CO alarm, GFCI, electrical panel labeling, deadbolt) are not shown, assign a moderate risk score pending verification/installation of those devices."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 70.0,
"rationale": "Central HVAC return/vents visible in ceilings suggesting central air/heat is installed. Plumbing fixtures, tubs, and toilets appear intact and functional. Appliances (range and refrigerator) visible. Roof shingles visible from exterior look aged but intact with no visible active leaks or sagging. Electrical panel, water heater, and outdoor A/C unit are not shown, so condition and serviceability are unverified. Score reflects likely serviceable systems but requires on-site verification (panel, water heater, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior photos show painted siding in good condition, a covered carport/driveway, level yard with healthy grass, and no visible major foundation cracks or drainage ponds. Trees are close to the roof which is a minor risk for debris but not an immediate failure. Walkway/entry appears safe and there are no visible missing guardrails or unsafe stairs."
},
{
"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": 0.75,
"assumptions": [
"Rental history within last 5 years is present (listing metadata), counted as positive bonus toward readiness.",
"Central HVAC is installed and operational based on visible ceiling vents; full operational test not available from photos.",
"A round device above the entry is assumed to be a smoke detector, but CO alarm and GFCI outlets are not visible and likely require verification/installation.",
"Stove and refrigerator shown in photos are present and functional; water heater, electrical panel, and outdoor HVAC unit were not shown and assumed serviceable but unverified.",
"Roof appears aged but shows no visible active leaks or sagging in provided exterior photos; interior ceilings show no staining.",
"No evidence of major structural issues (sagging, foundation movement, collapsed ceilings) visible in photos; severe hidden issues cannot be ruled out without on-site inspection."
],
"overall_score": 80.0,
"rubric_version": "2026-02-16_rubric_v1"
},
{
"summary": "Overall this single-story 3BR/2BA appears to be a solid, lightly remodeled fixer-upper that is likely to pass an initial HCV/NSPIRE inspection after a short checklist remediation. Interior finishes, appliances (range and refrigerator), centralized HVAC vents, and tidy exterior indicate the property is close to rent-ready. The primary inspection risk areas are NSPIRE-specific items that are not clearly shown in photos: verified smoke detectors (in bedrooms and outside sleeping areas), CO detector if required, GFCI protection, and visual verification of the electrical panel, water heater and roof condition. With verification/installation of required detectors, confirmation of GFCI, and a quick systems check, the property should be rentable within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently refreshed: new-looking vinyl plank flooring, fresh paint, intact baseboards, cabinets painted, and two full bathrooms present. Kitchen has range and refrigerator visible. Minor cosmetic defects observed: tiled vanity with some chipped/grout lines at the sink, basic flush-mount light fixtures that are older, and window blinds (some slats may be bent). No visible damaged drywall, large stains, or flooring failure. Missing/minor items (cabinet hardware touch-ups, minor tile repair, caulking) are easy fixes and do not suggest major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "One ceiling smoke detector is visible in main living area near the front door, but no detectors are visible in bedrooms or directly outside sleeping areas in provided photos. No visible carbon monoxide detector (CO requirement depends on fuel-burning appliances). Entry door looks present and secure; a deadbolt is not clearly visible in photos. No exposed wiring, visible electrical hazards, or missing outlet covers were observed. Bathrooms and kitchen plumbing fixtures appear intact with no visible active leaks or severe mold. Windows are present in each bedroom and appear operable; however, some bedroom windows are narrow — egress dimensions not verifiable from photos. GFCI protection for kitchen and bathroom outlets is not visible. Overall moderate risk: mostly safe but several NSPIRE-specific items (adequate smoke/CO detectors, GFCI, deadbolt, verified egress) are unconfirmed and likely need verification or minor remedy."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Ceiling HVAC registers are visible indicating a central HVAC system; no evidence of inoperability in photos. Range and refrigerator are present (type unknown). Water heater and electrical panel are not shown so condition and age cannot be confirmed. Roof shingles show weathering and discoloration but no visible sagging or active leaks from interior photos. Plumbing fixtures appear functional and bathtubs/shower surrounds are intact. Overall systems appear present and serviceable but unseen components (panel, water heater, HVAC equipment) need inspection; some roof aging suggests medium-term maintenance may be required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Front yard and landscaping are tidy and level; driveway and attached carport/garage area are intact. Siding and trim look freshly painted and in good condition; foundation appears level with no visible large cracks. Roof shows shingle wear/discoloration but no visible sagging. No standing water or clear evidence of severe exterior neglect or infestation in photos. Driveway shows surface staining; gutters not clearly visible. Overall exterior is maintained with moderate roof age noted."
},
{
"key": "rental_history_activity",
"label": "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": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (visible ceiling registers), but specific age and functionality were not confirmed.",
"Water heater and electrical panel exist and are serviceable though not pictured; no evidence of leaks or electrical hazard seen in photos.",
"Range and refrigerator shown in photos are functional and connected; fuel type (gas vs electric) is not confirmed.",
"Bedrooms have operable windows that meet egress requirements, but sizes were not measured — assumed adequate based on typical single-story layout.",
"At least one smoke detector exists (visible in living area); additional bedroom/outside detectors and CO detector may be missing or not shown and would need installation/verification to meet NSPIRE.",
"No visible signs of major structural or roof leaks were observed in interior photos; roof shows cosmetic/age wear only.",
"No evidence of active pest infestation, severe mold, or peeling lead-risk paint observed in photos."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1026 Branch St, Jackson, MS, 39212",
"aggregate": {
"summary": "Based on photos and listing data, this 3-bed, 2-bath 1961 home presents as a cosmetic fixer-upper that is largely turn-key for an HCV inspection. Interiors are freshly painted with new-looking floors, functioning kitchen and baths, and evidence of central HVAC. Main unknowns are location/installation of CO detector (if required), presence of deadbolt on entry, electrical panel and water heater condition, and age of the roof. Likely to pass an initial HCV/NSPIRE inspection after confirming CO/smoke detector locations, adding/verification of deadbolt, and a quick mechanical check — overall ready within 1–2 weeks to 30 days depending on minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.7,
"rationale": "Interior photos show recent cosmetic updates: fresh paint, new-looking vinyl plank flooring, intact trim, cabinets and countertops. Kitchen and baths are installed and appear functional. Appliances (stove and refrigerator) are present in photos. Minor exterior cosmetic items (driveway staining, aged roof shingles) visible but not repair-critical. No visible major plumbing or finish deterioration."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 79.0,
"rationale": "Exterior siding and paint look maintained; yard is mowed and site appears free of debris. Carport/covered parking present. Driveway shows staining/age. No visible foundation cracking, major grading issues, standing water, or infestation evidence in provided exterior photo. Mature trees close to house could present future maintenance considerations but create no immediate visible hazard."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (bonus)",
"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": 71.7,
"rationale": "No visible exposed wiring, trip hazards, or active water stains/mold in photos. A ceiling-mounted round device visible near entry likely a smoke detector. Bedrooms show adequate windows for egress. Entry door appears secure but a deadbolt is not clearly visible in images. Carbon monoxide detector presence is not verifiable (if the range is gas, CO alarm may be required). GFCI outlet coverage in kitchen/bath is not visible. These unknowns lower the score slightly despite generally safe appearing interior."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 72.7,
"rationale": "Ceiling HVAC supply/return vents visible indicating central HVAC likely present. No visible signs of plumbing failure; baths/kitchen fixtures appear operational. Electrical panel and water heater not shown. Roof shingles appear aged but no visible sagging or obvious leak staining inside. Because critical equipment (panel, water heater, furnace/AC condensing unit) are not pictured, there is moderate uncertainty about end-to-end system condition."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"Central HVAC system is present and operational (supply/return vents visible).",
"Stove and refrigerator shown in photos are present and functional; stove fuel type not confirmed.",
"Water heater and electrical panel exist and are serviceable though not photographed.",
"Smoke detector exists (round device above entry likely a smoke alarm); carbon monoxide alarm presence is unknown.",
"No visible roof leaks or interior water staining implies roof is performing, though shingles are aged.",
"Windows shown provide required bedroom egress and are operable.",
"No significant hidden mold, asbestos, or major foundation movement beyond what is visible in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 76.8,
"rubric_version": "ns_prep_v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7549113852"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.