Property ID: 7596801479
251 Maxine Dr, Pearl, MS, 39208
Pearl, MS
Money Down: $31,176
CoC Return: 11.18%
Monthly Cash Flow: $290
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,980
Closing Costs
$5,196
Total Down
$31,176
Investment Snapshot
Purchase Price
$129,900
Money Down
$31,176
Cash-on-Cash Return
11.18%
Rent
$1,272
Monthly Cash Flow
$290
Annual Cash Flow
$3,486
Debt Service / Mo
$691
Property Tax / Mo
$108
Insurance / Mo
$55
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,272
Payment Standard
$1,620
Rent
$1,272
Insurance
$55
Property Tax
$108
Management
$127
Utilities Allowance
$348
NOI (Monthly)
$982
Debt Service
$691
Cash Flow After Debt
$290
Quality Score: 74.20%
Confidence: 92.00%
This single-family home appears largely move-in ready with recent interior updates (flooring, paint, kitchen cabinets, tub surround). Most issues visible are cosmetic or capital items (roof cleaning/inspection, repair of damaged block skirting, minor exterior and GFCI/handrail safety items). No major structural failures, active leaks, collapsed ceilings, exposed high-voltage wiring, or other life-threatening conditions were observed in the photos. Likely could pass an initial HCV/NSPIRE inspection after addressing small safety items (confirm GFCI, ensure smoke/CO coverage, add handrail if required) and verifying operation of HVAC, water heater and electrical panel.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$348
Guaranteed Section 8 Rent (PS - Utilities)
$1,272
Property Management
$127
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,900
Beds
3
Baths
1
Living Area
1,040 sqft
Lot Size
11,326 sqft
Year Built
1960
Days on Market
10
Capital Outlay
$31,176
Debt Service
$691
Property Tax / Mo
$108
Insurance / Mo
$55
Property Description
Welcome home to this freshly updated, move-in ready home featuring newer flooring throughout, fresh neutral paint, an updated kitchen with white cabinets and subway tile backsplash, refreshed bathroom with new tub/shower surround, and a functional layout with a dining area that flows into the main living space, plus a covered carport and a large fully fenced backyard with storage shed attached to carport-perfect for pets, play, or entertaining-so call your favorite agent today to schedule your private tour.
Utility Allowances
Heating
$19
Property has 'Central' heating and 'Central Air' cooling, with 'Electricity Available' but no explicit mention of natural gas. An electric heat pump is common for this setup and chosen over the more expensive standard electric option.
Cooking
$11
The property lists 'Electricity Available' but not natural gas, so electric cooking is inferred.
Water Heating
$29
The property's available utilities do not mention natural gas, so an electric water heater is inferred.
Air Conditioning
$12
The property is listed as having 'Central Air' cooling.
Water
$104
Property details specify the water source is 'Public'.
Sewer
$60
Property details specify 'Public Sewer'.
Trash Collection
$37
Trash collection is a standard tenant utility for single-family homes.
Other Electric
$69
This is a standard allowance for general electricity usage (lights, outlets).
Refrigerator
$4
A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
Range/Microwave
$3
A microwave is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
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$649
DP3 Annual Estimate$678
DP1 Monthly Equivalent$54
DP3 Monthly Equivalent$56
Replacement Value$47,110
Basis1,040 sqft / 1960
Nearby Houses
Photo unavailable
360 Mary Ann Dr
sold · 0.03 mi
Price: $169,000
2 bd / 2 ba · 1,112 sqft
Latest sale: — on Jun 16, 2025
Latest rent: —
Photo unavailable
262 Pemberton Dr
sold · 0.04 mi
Price: $140,000
3 bd / 2 ba · 1,285 sqft
Latest sale: — on Nov 30, 2022
Latest rent: —
Photo unavailable
268 Maxine Dr
sold · 0.04 mi
Price: $169,900
3 bd / 2 ba · 1,323 sqft
Latest sale: — on Dec 20, 2024
Latest rent: $1,600 on Dec 21, 2024
Photo unavailable
232 Pemberton Dr
sold · 0.05 mi
Price: $204,900
4 bd / 3 ba · 2,014 sqft
Latest sale: — on Mar 14, 2025
Latest rent: $1,500 on May 11, 2021
Photo unavailable
238 Maxine Cir
sold · 0.06 mi
Price: $120,000
4 bd / 3 ba · 1,606 sqft
Latest sale: — on Dec 30, 2024
Latest rent: —
Photo unavailable
225 Maxine Dr
for_sale · 0.06 mi
Price: $220,000
4 bd / 2 ba · 2,107 sqft
Latest sale: —
Latest rent: —
Photo unavailable
250 Maxine Cir
for_sale · 0.06 mi
Price: $229,800
4 bd / 2 ba · 1,550 sqft
Latest sale: —
Latest rent: —
Photo unavailable
257 Pemberton Dr
sold · 0.07 mi
Price: $170,000
3 bd / 2 ba · 1,406 sqft
Latest sale: — on Dec 08, 2023
Latest rent: $1,300 on Mar 03, 2021
Photo unavailable
336 Mary Ann Dr
sold · 0.07 mi
Price: $185,000
3 bd / 1 ba · 1,384 sqft
Latest sale: — on Aug 25, 2025
Latest rent: —
Photo unavailable
201 Jeffries Dr
sold · 0.08 mi
Price: $179,900
4 bd / 3 ba · 1,555 sqft
Latest sale: — on Mar 25, 2022
Latest rent: $1,695 on Oct 18, 2024
Photo unavailable
343 Mary Ann Dr
sold · 0.08 mi
Price: $154,000
3 bd / 2 ba · 1,100 sqft
Latest sale: — on Jun 18, 2024
Latest rent: $1,300 on Jan 12, 2023
Photo unavailable
237 Pemberton Dr
sold · 0.09 mi
Price: $74,000
4 bd / 2 ba · 1,561 sqft
Latest sale: — on Aug 01, 2023
Latest rent: —
Photo unavailable
229 Pemberton Dr
sold · 0.10 mi
Price: $82,000
2 bd / 2 ba · 1,120 sqft
Latest sale: — on Aug 03, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Localized damage to front foundation/block skirting - repair recommended to prevent pest/moisture entry.
- Roof surface littered with leaves and showing wear - requires cleaning and closer inspection for shingle integrity.
- No visible GFCI outlet at kitchen sink in photos — likely needs verification and possible installation.
- Front entry steps lack a handrail (safety/code issue depending on step height) — may require installation.
- Major mechanicals (HVAC unit, water heater, electrical panel) are not shown/verified in photos - condition unknown and should be confirmed prior to tenancy.
Assumptions
- Central HVAC and water heater are present and operational though not photographed.
- Electrical panel exists and is intact and properly labeled; no major electrical hazards hidden behind walls.
- The visible ceiling-mounted alarm is a working smoke detector and batteries are functional.
- Kitchen sink area may not have a GFCI outlet; photos do not clearly show one.
- Bedrooms have egress windows of compliant size, though full dimensions were not measured from photos.
- No active roof leaks are present (no interior staining visible) but roof shows aging and needs inspection/cleaning.
- Plumbing fixtures provide hot water and drain properly (no evidence to the contrary in photos).
- No evidence of severe pest infestation, lead-peeling paint, or significant mold beyond normal for a renovated interior.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,254 | $65,610 | $9,842 |
| 2023 | $883 | $46,010 | $6,902 |
| 2022 | $872 | $46,010 | $6,902 |
| 2021 | $872 | $46,010 | $6,902 |
| 2020 | $872 | $46,010 | $6,363 |
| 2019 | $816 | $42,420 | $6,363 |
| 2018 | $815 | $42,420 | $6,363 |
| 2017 | $815 | $42,420 | $6,363 |
| 2016 | $862 | $44,890 | $6,734 |
| 2015 | $862 | $44,890 | $6,734 |
| 2014 | $862 | $44,890 | $4,489 |
| 2013 | $822 | $44,890 | $6,734 |
| 2012 | $822 | $44,890 | $6,734 |
| 2011 | $797 | $44,890 | $6,734 |
| 2010 | $791 | $44,890 | $4,489 |
| 2009 | $791 | $44,890 | $6,734 |
| 2008 | $770 | $44,890 | $4,489 |
| 2007 | $761 | $42,350 | $4,235 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-05-03 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2020-01-04 | Listed for rent | $950 | — |
| 2019-10-31 | Listed for rent | $1,050 | — |
| 2019-08-26 | Listed for rent | $1,150 | — |
| 2017-02-01 | Listed for rent | $900 | — |
Photo Gallery
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"year": 2012,
"market": {
"land": 18500,
"total": 44890,
"building": 26390
},
"assessment": {
"land": 2775,
"total": 6734,
"building": 3959
}
},
{
"tax": 797,
"year": 2011,
"market": {
"land": 18500,
"total": 44890,
"building": 26390
},
"assessment": {
"land": null,
"total": 6734,
"building": null
}
},
{
"tax": 791,
"year": 2010,
"market": {
"land": 18500,
"total": 44890,
"building": 26390
},
"assessment": {
"land": 1850,
"total": 4489,
"building": 2639
}
},
{
"tax": 791,
"year": 2009,
"market": {
"land": 18500,
"total": 44890,
"building": 26390
},
"assessment": {
"land": 2775,
"total": 6734,
"building": 3959
}
},
{
"tax": 770,
"year": 2008,
"market": {
"land": 18500,
"total": 44890,
"building": 26390
},
"assessment": {
"land": 1850,
"total": 4489,
"building": 2639
}
},
{
"tax": 761,
"year": 2007,
"market": {
"land": 12000,
"total": 42350,
"building": 30350
},
"assessment": {
"land": 1200,
"total": 4235,
"building": 3035
}
}
],
"property_history": [
{
"date": "2026-02-06",
"price": 129900,
"listing": {
"status": "for_sale",
"list_date": "2026-02-06T02:36:34Z",
"list_price": 129900,
"listing_id": "2991300056",
"last_update_date": "2026-02-09T07:02:47Z",
"last_status_change_date": "2026-02-06T02:36:34Z"
},
"event_name": "Listed",
"price_sqft": 124.90384615384616,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4138331",
"price_change_percentage": null
},
{
"date": "2006-01-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": 0,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7596801479",
"generated_at": "2026-02-16T23:03:38.628959Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 74.2
},
"utility_allowance": {
"zip_code": "39208",
"home_photo": "https://ap.rdcpix.com/8ea1aeda6c6517250e8c1b43a4e76827l-m4212635579s-w1280.jpg",
"rent_price": 1272.0,
"loan_amount": 103920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/251-Maxine-Dr_Pearl_MS_39208_M75968-01479",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 129900.0,
"loan_term_years": 30,
"annual_cash_flow": 11782.48,
"mortgage_monthly": 691.38,
"payment_standard": 1620.0,
"total_amount_out": 25980.0,
"additional_photos": [
"https://ap.rdcpix.com/8ea1aeda6c6517250e8c1b43a4e76827l-m3077122466s-w1280.jpg",
"https://ap.rdcpix.com/8ea1aeda6c6517250e8c1b43a4e76827l-m4128392019s-w1280.jpg",
"https://ap.rdcpix.com/8ea1aeda6c6517250e8c1b43a4e76827l-m761154582s-w1280.jpg",
"https://ap.rdcpix.com/8ea1aeda6c6517250e8c1b43a4e76827l-m1136747254s-w1280.jpg",
"https://ap.rdcpix.com/8ea1aeda6c6517250e8c1b43a4e76827l-m3031449600s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 55.29,
"monthly_cash_flow": 981.87,
"property_tax_rate": 0.006500000000000001,
"_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' heating and 'Central Air' cooling, with 'Electricity Available' but no explicit mention of natural gas. An electric heat pump is common for this setup and chosen over the more expensive standard electric option.",
"utility": "Heating",
"allowance": 19
},
{
"note": "The property lists 'Electricity Available' but not natural gas, so electric cooking is inferred.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "The property's available utilities do not mention natural gas, so an electric water heater is inferred.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "The property is listed as having 'Central Air' cooling.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Property details specify the water source is 'Public'.",
"utility": "Water",
"allowance": 104
},
{
"note": "Property details specify 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Trash collection is a standard tenant utility for single-family homes.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "This is a standard allowance for general electricity usage (lights, outlets).",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "A microwave is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.45,
"down_payment_amount": 25980.0,
"property_tax_annual": 1291.62,
"property_tax_monthly": 107.64,
"property_tax_increase": 0.03,
"utility_allowance_total": 348.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"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": 3485.89,
"property_management_monthly": 127.2,
"monthly_cash_flow_after_debt": 290.49,
"cash_on_cash_return_after_debt": 0.13
},
"section8_assessment": {
"runs": [
{
"summary": "This single-family home appears largely move-in ready with recent interior updates (flooring, paint, kitchen cabinets, tub surround). Most issues visible are cosmetic or capital items (roof cleaning/inspection, repair of damaged block skirting, minor exterior and GFCI/handrail safety items). No major structural failures, active leaks, collapsed ceilings, exposed high-voltage wiring, or other life-threatening conditions were observed in the photos. Likely could pass an initial HCV/NSPIRE inspection after addressing small safety items (confirm GFCI, ensure smoke/CO coverage, add handrail if required) and verifying operation of HVAC, water heater and electrical panel.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently updated: new vinyl plank flooring, fresh paint, updated kitchen cabinets and subway tile backsplash, new tub/shower surround and functioning range/fridge present. Visible exterior block skirting has localized damage at front left and roof has accumulated leaves and surface wear that will need cleaning and inspection. These are mostly minor/cosmetic or capital items that can be corrected quickly."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 75.0,
"rationale": "A ceiling-mounted smoke detector is visible and the entry door has multiple locks (deadbolt present). No exposed wiring or interior water damage/mold observed. Potential issues: no visible GFCI at kitchen sink area in photos, front entry steps lack a handrail, and egress from bedrooms appears likely but bedroom window sill heights not fully verified. CO alarm presence not documented (likely not required if no gas appliances). Overall some minor safety fixes probable but no immediate life-threatening hazards visible in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Interior vents and ceiling grille suggest central HVAC exists; however HVAC equipment, water heater and electrical panel are not pictured/verified. Roof shows surface wear and debris build-up which increases risk of future leaks and indicates aging shingles; no active interior leaks visible. Stove and refrigerator are present (electric). Because key system components were not photographed, score reflects an assumption of functional but unverified systems and a moderate risk that one or more systems may need servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Large fully fenced backyard and attached storage shed are positive. Driveway and walk path show typical cracking and the front yard has leaf accumulation. Foundation/block skirting has visible localized damage on the front face that should be repaired to prevent pest/rodent entry and moisture intrusion. Carport and storage room appear serviceable. Overall the site is functional but needs modest exterior maintenance."
},
{
"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": [
"Localized damage to front foundation/block skirting - repair recommended to prevent pest/moisture entry.",
"Roof surface littered with leaves and showing wear - requires cleaning and closer inspection for shingle integrity.",
"No visible GFCI outlet at kitchen sink in photos — likely needs verification and possible installation.",
"Front entry steps lack a handrail (safety/code issue depending on step height) — may require installation.",
"Major mechanicals (HVAC unit, water heater, electrical panel) are not shown/verified in photos - condition unknown and should be confirmed prior to tenancy."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC and water heater are present and operational though not photographed.",
"Electrical panel exists and is intact and properly labeled; no major electrical hazards hidden behind walls.",
"The visible ceiling-mounted alarm is a working smoke detector and batteries are functional.",
"Kitchen sink area may not have a GFCI outlet; photos do not clearly show one.",
"Bedrooms have egress windows of compliant size, though full dimensions were not measured from photos.",
"No active roof leaks are present (no interior staining visible) but roof shows aging and needs inspection/cleaning.",
"Plumbing fixtures provide hot water and drain properly (no evidence to the contrary in photos).",
"No evidence of severe pest infestation, lead-peeling paint, or significant mold beyond normal for a renovated interior."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1-bath single-family appears largely move-in ready for a Housing Choice Voucher tenant with mostly cosmetic and minor repairs needed. Interior updates (flooring, paint, kitchen, bath) are complete and appliance presence is shown. Primary inspection uncertainties are mechanical/electrical components not photographed (electrical panel, water heater, HVAC operational test) and limited roof wear/debris. With a short targeted checklist (confirm/install GFCI where required, verify/replace CO detector if needed, secure deadbolt if missing, clean gutters, repair foundation skirt, address any worn shingles) the property would likely pass an initial NSPIRE/HCV inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently updated: new-look vinyl plank flooring, fresh paint, updated kitchen cabinets and backsplash, new tub/shower surround and appliances (stove and refrigerator visible). Minor exterior/crawlspace skirt block damage visible at front left that will need patching. No obvious significant interior finish damage, holes, or major deferred-maintenance. Missing or broken small exterior trim and roof debris are easy to remediate. Overall condition is good and only modest cosmetic/capital repairs expected prior to move-in."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 75.0,
"rationale": "A ceiling-mounted smoke detector is visible in the main area. No exposed wiring or obvious electrical hazards in photos; outlet and switch covers are present. Bedrooms have windows that appear to provide egress. Bathroom and kitchen finishes look clean with no visible active water intrusion or mold. Unknowns: carbon monoxide detector presence not shown (likely not required if no gas appliances, but CO recommended), GFCI outlet locations at kitchen counters not clearly visible, and deadbolt on entry door not confirmed. No life-threatening hazards observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "There is a ceiling vent visible, indicating central HVAC ductwork and likely forced-air system; kitchen appliances are electric (electric stove visible). Plumbing fixtures (sink, tub/shower) look newly refreshed. Electrical panel and water heater were not photographed so condition is unverified. Roof shows leaf/debris accumulation and some wear on shingles but no obvious sagging or active leaks visible in photos. Because key system components (panel, water heater, furnace/AC) could not be inspected, a moderate deduction for uncertainty is applied."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Large, fully fenced rear yard and attached storage shed/carport are positive for tenant use and safety. Chain-link fence appears intact. Exterior paint appears recent. Roof surface shows debris and probable aging shingles; gutters are not clearly visible and may need cleaning/repair. Front foundation/block skirt has localized damage that should be repaired. Driveway/walkway show minor cracking. No standing water, visible major foundation movement, or exterior structural sagging seen in photos."
},
{
"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": 0.7,
"assumptions": [
"The visible ceiling vent indicates a functional central HVAC system is present and operational, though no mechanical equipment (furnace/AC unit) photo was provided.",
"A smoke detector shown in the main living area is functional; additional detectors/carbon monoxide alarms are not visible and may need installation depending on local code and presence of gas appliances (none visible).",
"Electric stove and refrigerator shown will be left with the unit for tenancy and are in working condition; the water heater and electrical service/panel exist and are intact but were not photographed.",
"No visible active roof leaks or interior water stains were observed; roof age/wear is inferred from surface debris and mild shingle wear but not confirmed as leaking.",
"Bedrooms have adequate egress via operable windows based on photos (no blocking seen).",
"Peeling paint or other lead-risk indicators are not visible in photographs; lead-hazard evaluation not performed and should follow local requirements for 1960-built housing if minors or pregnant occupants may be present.",
"No signs of severe mold, pest infestation, structural sagging, or collapsed elements were observed in the provided photos."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed, 1-bath single-family shows recent interior updates (new flooring, paint, refreshed bath, working stove and refrigerator) and is likely to pass an initial NSPIRE/Section 8 inspection with a small set of targeted fixes. Primary items to address before inspection: clean/inspect roof, repair/replace displaced foundation skirt/block near front, install or verify GFCI outlets and CO detector per local code, and add a handrail if step rise requires one. Mechanical systems (HVAC, water heater, electrical) should be tested to confirm operational status. With these actions the property is minor-repairs ready and should be rentable within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears freshly updated with new flooring, paint, refreshed bathroom tub surround and a functional kitchen. Appliances (stove and refrigerator) are present. Observable deferred items are minor: scuffed baseboards, a few exterior block/skirt panels displaced at the front foundation, and roof surface debris/leaf buildup. These are mostly cosmetic or moderate repairs (exterior block repair, roof cleaning/inspection). No evidence of collapsed finishes or extensive water damage inside."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "Visible round smoke detector on ceiling in main living area and a deadbolt on the entry door (positive safety items). No exposed wiring or obvious electrical hazards in photos. Bedrooms show windows that appear likely to function as egress. Missing/unknown items that reduce score: no CO detector visible (may be required depending on local code and fuel sources), GFCI presence in kitchen/bath is not confirmed, and the small front stoop lacks a handrail (could be cited depending on step height/municipal code). No visible mold, active roof leaks, or severe trip hazards in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Ceiling vents visible suggesting central HVAC is present; kitchen and bathroom plumbing fixtures look functional and updated. Electrical panel appears to be present (photo of hallway shows a recessed panel). Water heater is not visible in photos so condition is assumed but unconfirmed. Roof shows surface debris and some wear but no obvious sagging or collapse; needs close inspection. Overall systems appear intact but not fully verifiable from photos, so moderate risk remains until mechanicals are tested."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Large fully-fenced backyard and covered carport with attached storage shed are positives for rental desirability. Chain-link fence appears intact. Exterior block/brick skirt at foundation shows displaced/damaged sections at the front which should be repaired. Roof has significant leaf/debris accumulation and staining; gutters not visible and drainage away from foundation cannot be fully confirmed. Driveway and yard show normal wear and debris (tree stump visible). These items are repairable but reduce immediate turnkey readiness."
},
{
"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": [
"Localized displaced/damaged foundation/block skirt at front of house (visible) — potential crawlspace/settlement risk and should be inspected/repaired.",
"Roof surface has heavy leaf/debris accumulation and visible wear/staining — requires cleaning and close inspection for shingle integrity.",
"Front entry stoop lacks a visible handrail (may be a code/safety violation depending on step height and local rules).",
"No carbon monoxide detector visible in photos (may be required depending on fuel appliances and local ordinance)."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational (visible ceiling vents) though not tested in photos.",
"Water heater and main plumbing systems are present and functional (not visible in photos).",
"Bedrooms have standard-sized windows that meet egress requirements (windows visible look typical size but were not measured).",
"Electrical panel shown in hallway photo is intact and properly labeled, and there are no hidden electrical hazards beyond what is visible.",
"Stove is electric (visible electric coil range) so carbon monoxide generation from the stove is not expected; CO detector requirement depends on any unseen gas appliances.",
"No active roof leaks are present despite visible roof debris; roof is aged but not actively failing based on photos (requires inspection)."
],
"overall_score": 72.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "251 Maxine Dr, Pearl, MS, 39208",
"aggregate": {
"summary": "This single-family home appears largely move-in ready with recent interior updates (flooring, paint, kitchen cabinets, tub surround). Most issues visible are cosmetic or capital items (roof cleaning/inspection, repair of damaged block skirting, minor exterior and GFCI/handrail safety items). No major structural failures, active leaks, collapsed ceilings, exposed high-voltage wiring, or other life-threatening conditions were observed in the photos. Likely could pass an initial HCV/NSPIRE inspection after addressing small safety items (confirm GFCI, ensure smoke/CO coverage, add handrail if required) and verifying operation of HVAC, water heater and electrical panel.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 81.0,
"rationale": "Interior appears recently updated: new vinyl plank flooring, fresh paint, updated kitchen cabinets and subway tile backsplash, new tub/shower surround and functioning range/fridge present. Visible exterior block skirting has localized damage at front left and roof has accumulated leaves and surface wear that will need cleaning and inspection. These are mostly minor/cosmetic or capital items that can be corrected quickly."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.3,
"rationale": "Large fully fenced backyard and attached storage shed are positive. Driveway and walk path show typical cracking and the front yard has leaf accumulation. Foundation/block skirting has visible localized damage on the front face that should be repaired to prevent pest/rodent entry and moisture intrusion. Carport and storage room appear serviceable. Overall the site is functional but needs modest exterior maintenance."
},
{
"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."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 73.3,
"rationale": "A ceiling-mounted smoke detector is visible and the entry door has multiple locks (deadbolt present). No exposed wiring or interior water damage/mold observed. Potential issues: no visible GFCI at kitchen sink area in photos, front entry steps lack a handrail, and egress from bedrooms appears likely but bedroom window sill heights not fully verified. CO alarm presence not documented (likely not required if no gas appliances). Overall some minor safety fixes probable but no immediate life-threatening hazards visible in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Interior vents and ceiling grille suggest central HVAC exists; however HVAC equipment, water heater and electrical panel are not pictured/verified. Roof shows surface wear and debris build-up which increases risk of future leaks and indicates aging shingles; no active interior leaks visible. Stove and refrigerator are present (electric). Because key system components were not photographed, score reflects an assumption of functional but unverified systems and a moderate risk that one or more systems may need servicing."
}
],
"red_flags": [
"Localized damage to front foundation/block skirting - repair recommended to prevent pest/moisture entry.",
"Roof surface littered with leaves and showing wear - requires cleaning and closer inspection for shingle integrity.",
"No visible GFCI outlet at kitchen sink in photos — likely needs verification and possible installation.",
"Front entry steps lack a handrail (safety/code issue depending on step height) — may require installation.",
"Major mechanicals (HVAC unit, water heater, electrical panel) are not shown/verified in photos - condition unknown and should be confirmed prior to tenancy."
],
"confidence": 0.92,
"assumptions": [
"Central HVAC and water heater are present and operational though not photographed.",
"Electrical panel exists and is intact and properly labeled; no major electrical hazards hidden behind walls.",
"The visible ceiling-mounted alarm is a working smoke detector and batteries are functional.",
"Kitchen sink area may not have a GFCI outlet; photos do not clearly show one.",
"Bedrooms have egress windows of compliant size, though full dimensions were not measured from photos.",
"No active roof leaks are present (no interior staining visible) but roof shows aging and needs inspection/cleaning.",
"Plumbing fixtures provide hot water and drain properly (no evidence to the contrary in photos).",
"No evidence of severe pest infestation, lead-peeling paint, or significant mold beyond normal for a renovated interior."
],
"score_method": "mean_of_criteria",
"overall_score": 74.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7596801479"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.