Property ID: 7636431807
2745 Marydale Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $19,200
CoC Return: 37.74%
Monthly Cash Flow: $604
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,000
Closing Costs
$3,200
Total Down
$19,200
Investment Snapshot
Purchase Price
$80,000
Money Down
$19,200
Cash-on-Cash Return
37.74%
Rent
$1,272
Monthly Cash Flow
$604
Annual Cash Flow
$7,247
Debt Service / Mo
$426
Property Tax / Mo
$79
Insurance / Mo
$36
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,272
Payment Standard
$1,620
Rent
$1,272
Insurance
$36
Property Tax
$79
Management
$127
Utilities Allowance
$348
NOI (Monthly)
$1,030
Debt Service
$426
Cash Flow After Debt
$604
Quality Score: 62.10%
Confidence: 89.00%
Overall this property appears to be a mostly livable, recently refreshed tenant-occupied single-family home with functioning appliances and evidence of recent remodeling. Main inspection risks are code/safety items that are usually quick to remediate: install/verify smoke & CO alarms, add/repair handrails and deck guardrail, confirm GFCI protection in kitchen/bath, and address minor exterior maintenance (deck repairs, driveway cracking, vegetation). Major systems show probable functionality (HVAC registers, appliances) but electrical panel and water-heater were not shown and should be verified. With 1–4 targeted repairs/verification steps the property is likely to pass an initial HCV / NSPIRE inspection; estimate turnkey-ready within ~2–4 weeks if smoke/CO alarms, guardrails, and GFCI/outlet issues are addressed promptly.
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
$80,000
Beds
3
Baths
2
Living Area
1,524 sqft
Lot Size
15,682 sqft
Year Built
1958
Days on Market
10
Capital Outlay
$19,200
Debt Service
$426
Property Tax / Mo
$79
Insurance / Mo
$36
Property Description
Check out this investment portfolio with multiple tenant occupied properties available. Properties can be packaged or sold individually. Please call your agent for more information on these homes. This home was recently remodeled and is currently cash flowing! This home is in great condition and would make an easily manageable property to add to your portfolio. Check this one out soon!
Utility Allowances
Heating
$19
Property has central heating and electricity is available. Selected 'electric_heat_pump' as it's a common and efficient form of electric central heating.
Cooking
$11
Property includes a 'Free-Standing Electric Range' according to listing details.
Water Heating
$29
Water heater fuel type not specified; assumed electric as it's consistent with other electric appliances (range) and available utilities.
Air Conditioning
$12
Property is listed as having 'Central Air' which is electric.
Water
$104
Property is listed with a 'Public' water source.
Sewer
$60
Property is listed with 'Public Sewer'.
Trash Collection
$37
Standard utility for a single-family home, included as a tenant expense.
Other Electric
$69
Standard allowance for lighting and miscellaneous tenant-plugged-in appliances.
Refrigerator
$4
Refrigerator not explicitly listed as a provided appliance in the structured property details; treated as tenant-owned.
Range/Microwave
$3
A microwave is not explicitly listed as a provided appliance; allowance included for a tenant-owned microwave.
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$349
DP3 Annual Estimate$518
DP1 Monthly Equivalent$29
DP3 Monthly Equivalent$43
Replacement Value$21,730
Basis1,524 sqft / 1958
Nearby Houses
Photo unavailable
2725 Charleston Dr
for_sale · 0.08 mi
Price: $79,900
3 bd / 2 ba · 1,008 sqft
Latest sale: — on Mar 21, 2025
Latest rent: —
Photo unavailable
2839 Marydale Dr
sold · 0.08 mi
Price: $24,900
3 bd / 2 ba · 1,172 sqft
Latest sale: — on Jul 31, 2024
Latest rent: —
Photo unavailable
2879 Woodside Dr
sold · 0.09 mi
Price: $25,000
2 bd / 1 ba · 912 sqft
Latest sale: — on Sep 28, 2023
Latest rent: $1,050 on Oct 15, 2024
Photo unavailable
2823 Charleston Dr
sold · 0.09 mi
Price: $65,000
3 bd / 1 ba · 1,008 sqft
Latest sale: — on Oct 16, 2024
Latest rent: $1,100 on Apr 23, 2025
Photo unavailable
2871 Woodside Dr
for_sale · 0.10 mi
Price: $85,000
3 bd / 3 ba · 1,804 sqft
Latest sale: — on Jul 23, 2025
Latest rent: $750 on Jan 30, 2014
Photo unavailable
1335 Marydale Dr
sold · 0.10 mi
Price: $59,000
3 bd / 2 ba · 1,216 sqft
Latest sale: — on Mar 05, 2025
Latest rent: $775 on Nov 08, 2019
Photo unavailable
2705 Charleston Dr
sold · 0.11 mi
Price: $87,900
3 bd / 1 ba · 1,008 sqft
Latest sale: — on Oct 31, 2024
Latest rent: $850 on Dec 30, 2025
Photo unavailable
2943 Woodside Dr
sold · 0.12 mi
Price: $22,500
3 bd / 1 ba · 1,124 sqft
Latest sale: — on Jun 08, 2023
Latest rent: $700 on Feb 06, 2019
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in photos — likely required for passing inspection.
- Back deck railing and some deck members appear loose/aged and may fail guardrail requirements.
- Front entry lacks a visible handrail on steps — potential code fail if rise/count requires one.
- GFCI protection in kitchen and bathroom outlets not evident from photos — likely an inspector item.
- Dilapidated shed/outbuilding and dense vegetation against the house increase pest and maintenance risk.
Assumptions
- Central HVAC is present and operational (inferred from ceiling registers/round diffuser).
- Water heater and electrical service are present and functional though not photographed.
- No active roof leak exists; interior ceiling shows minor patched area but no widespread staining indicating active leak.
- Bedrooms have operable egress windows behind the window coverings, but this was not confirmed visually.
- Appliances shown (range, refrigerator, washer/dryer) are operable; no gas connection hazards observed (range appears electric).
- Tenant-occupied status means repairs may require scheduling but the unit is currently inhabited.
- Minor peeling/chipped paint seen on cabinetry only; no widespread hazardous lead-peeling surfaces were visible (house built 1958 — lead risk possible but no severe peeling observed).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $920 | $31,730 | $4,760 |
| 2023 | $915 | $31,730 | $4,760 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1993-06-30 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-11-15 | Listed for rent | $1,150 | — |
| 2024-09-17 | Listed for rent | $1,200 | — |
| 2024-07-26 | Listed for rent | $1,300 | — |
| 2024-06-17 | Listed for rent | $1,150 | — |
| 2024-04-23 | Listed for rent | $1,150 | — |
| 2022-07-01 | Listed for rent | $1,200 | — |
Photo Gallery
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{
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"utility": "Water Heating",
"allowance": 29
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{
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"utility": "Air Conditioning",
"allowance": 12
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{
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"utility": "Water",
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{
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"summary": "Overall this property appears to be a mostly livable, recently refreshed tenant-occupied single-family home with functioning appliances and evidence of recent remodeling. Main inspection risks are code/safety items that are usually quick to remediate: install/verify smoke & CO alarms, add/repair handrails and deck guardrail, confirm GFCI protection in kitchen/bath, and address minor exterior maintenance (deck repairs, driveway cracking, vegetation). Major systems show probable functionality (HVAC registers, appliances) but electrical panel and water-heater were not shown and should be verified. With 1–4 targeted repairs/verification steps the property is likely to pass an initial HCV / NSPIRE inspection; estimate turnkey-ready within ~2–4 weeks if smoke/CO alarms, guardrails, and GFCI/outlet issues are addressed promptly.",
"criteria": [
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"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently refreshed in places (paint, new laminate flooring) and appliances (range, washer/dryer) are present. Visible deferred items are cosmetic and medium-effort: worn/chipped cabinet paint, ceiling patching above a fan, cluttered rooms, driveway cracking, and a backyard deck that needs cleaning/repair. Missing minor trim and cabinet hardware are repair items but not structural. Presence of functioning stove, washer/dryer and fridge (in photos) reduces penalty for missing appliances."
},
{
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"label": "Safety & Code Compliance",
"score": 50.0,
"rationale": "Several NSPIRE safety items cannot be confirmed from photos and several probable deficiencies observed: no smoke detectors or CO alarms are visible in photos; kitchen/bath GFCI protection not evident; front steps appear to lack a secure handrail; backyard deck railing shows loosened/aged members and may fail guardrail requirements. Windows in photos are covered with fabric which prevents confirmation of bedroom egress operability. No obvious exposed wiring or active water intrusion seen. Taken together these are moderate inspection risks that are fixable but likely to generate inspector deficiencies if not corrected before inspection."
},
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},
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},
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"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
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"Back deck railing and some deck members appear loose/aged and may fail guardrail requirements.",
"Front entry lacks a visible handrail on steps — potential code fail if rise/count requires one.",
"GFCI protection in kitchen and bathroom outlets not evident from photos — likely an inspector item.",
"Dilapidated shed/outbuilding and dense vegetation against the house increase pest and maintenance risk."
],
"confidence": 0.7,
"assumptions": [
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"Water heater and electrical service are present and functional though not photographed.",
"No active roof leak exists; interior ceiling shows minor patched area but no widespread staining indicating active leak.",
"Bedrooms have operable egress windows behind the window coverings, but this was not confirmed visually.",
"Appliances shown (range, refrigerator, washer/dryer) are operable; no gas connection hazards observed (range appears electric).",
"Tenant-occupied status means repairs may require scheduling but the unit is currently inhabited.",
"Minor peeling/chipped paint seen on cabinetry only; no widespread hazardous lead-peeling surfaces were visible (house built 1958 — lead risk possible but no severe peeling observed)."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
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"summary": "This tenant-occupied, recently remodeled ranch shows generally serviceable systems and mostly cosmetic interior updates, and has a recent rental history — factors that support Section 8 readiness. However, there are NSPIRE-relevant safety issues that need correction before inspection: the backyard deck/guardrail is a likely immediate fail, lack of visible smoke/CO detectors is a likely fail, and the front steps lack a handrail. Mechanical systems appear present but are not fully documented in photos (roof appears aged). With focused repairs — install/verify smoke and CO alarms, repair/replace deck guardrails and handrails, confirm/label GFCI outlets, check roof penetrations and service HVAC if needed — this property should be able to pass a Housing Choice Voucher inspection within 2–4 weeks (tenant access permitting).",
"criteria": [
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"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently updated in places (tile tub surround, laminate floors) but shows deferred cosmetic items: scuffed/peeling cabinet paint, cluttered tenant-occupied rooms, cracked driveway, and general wear. Missing/old-looking trim and a few cosmetic touch-ups needed. Appliances present (stove, washer/dryer) so missing-appliance risk is low. Overall mostly cosmetic and moderate repairs that are easy to schedule."
},
{
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"label": "Safety / Code Risk (NSPIRE)",
"score": 45.0,
"rationale": "Multiple NSPIRE safety concerns visible or reasonably inferred: backyard deck has broken/missing guardrail sections (potential fall hazard/inspection fail), front steps lack a handrail, no smoke detectors or CO alarms visible in photos, and a basement/living area with a stone fireplace—no clear evidence of a gas vent/clearance or intact screen. GFCI receptacles near kitchen sink are not visible. No exposed wiring seen in photos. These items create moderate-to-high inspection risk; missing detectors and unsafe deck/railings are likely inspection fails until corrected."
},
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"label": "Systems / Mechanical",
"score": 65.0,
"rationale": "Evidence of functioning major systems: electric range, washer/dryer present, thermostat visible, ceiling vents suggest central HVAC. Bathroom fixtures and hot water usage appear functional. Roof is aged with debris accumulation (shingles not obviously collapsed from photos) and the chimney/satellite on roof suggest older roof penetrations that may need maintenance. No water stains or active leaks visible inside. Electrical panel, water heater and HVAC equipment not photographed; assuming operational but aging given house year (1958) and visible wear."
},
{
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"label": "Exterior & Site",
"score": 60.0,
"rationale": "Exterior structure appears intact with no obvious foundation sagging visible from front photo, but the driveway has cracks and patching, landscaping is overgrown, and the backyard shed looks dilapidated. The backyard deck has missing/broken guardrail members (safety issue). Roof has leaf/debris buildup and likely needs gutter/roof maintenance. Site is generally serviceable but requires yard cleanup and deck/driveway repairs for safety and curb condition."
},
{
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"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Backyard deck with missing/broken guardrail(s) — likely immediate inspection fail and fall hazard.",
"No visible smoke detectors or carbon monoxide alarms in photos — likely inspection fail if absent or improperly located.",
"Front entry steps lack a handrail — potential citation/fail depending on local code and inspector.",
"Aging roof with debris accumulation and roof penetrations (chimney, satellite) — maintenance needed and potential leak risk.",
"Dilapidated outbuilding/shed on site — safety/infestation risk and may need removal/repair before leasing."
],
"confidence": 0.65,
"assumptions": [
"Major mechanical equipment (furnace/air handler, water heater, electrical panel) are present and operational but not shown in photos; no known active leaks were observed inside photos.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they are absent or not correctly placed and must be verified/installed.",
"Windows shown provide required egress for bedrooms but some are covered with fabric — assume operable but this must be confirmed.",
"Appliances visible (range, washer/dryer, refrigerator) are tenant-provided in some photos; assume at least an electric range is present and operable for inspection, but refrigerator in living room may be tenant-owned.",
"Listing statement 'recently remodeled' is accurate and interior updates are relatively recent, supporting operational systems unless contradicted by inspection.",
"No evidence of active roof leaks or major foundation movement in photos; however roof is aging and should be inspected."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
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"summary": "Overall this property appears moderately rent-ready and likely to pass a Housing Choice Voucher (NSPIRE) inspection after a short targeted fix list: install/verify smoke and CO detectors, repair/replace damaged deck guardrail, confirm GFCI protection in kitchen/bath, and verify HVAC, electrical panel, and hot water operation. Cosmetic touch-ups and some exterior cleaning/driveway repairs are recommended but not inspection-blocking. Expect ~1-4 weeks to correct the likely inspection items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show mostly functional finishes and recent cosmetic updates (painted cabinets, new-looking stove, replacement vinyl plank flooring in living area, tile surround in bath). Some cabinet paint is chipped, counters are dated, and there is visible clutter. Appliances (stove, refrigerator, washer/dryer) are present though the fridge was staged in the living area in one photo — likely still serviceable. Exterior shows normal wear (driveway cracks, leaves on roof). Overall only minor/medium cosmetic repairs are needed; missing capital items are not severe."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Several NSPIRE-relevant items are unknown or borderline: no smoke detectors or CO alarms are visible in photos (inspector will require functioning units in required locations), GFCI outlets near kitchen sink are not visible and may be missing, and the backyard deck/rail appears damaged/missing sections (visible broken/missing guardrail) which is a common fail if drop/height exceeds code threshold. Entry doors have security bars/metal doors visible which are OK if operable. No exposed wiring or collapsed ceilings observed. Because smoke/CO detection and deck guardrail are likely issues, there is moderate risk of initial inspection failure until addressed."
},
{
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"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Central supply vents and a thermostat in photos suggest a forced-air HVAC system is present, but no external unit or service records are shown. Plumbing fixtures and hot water usage appear functional (bath and kitchen fixtures present). Roof appears aged with leaf/debris accumulation; no active leaks visible from interior photos. Electrical panel and water heater are not shown; presence/functionality of GFCI and breaker labeling unknown. Given limited evidence but no obvious system failure, score reflects moderate uncertainty and the need for verification/possible minor service."
},
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"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "House exterior and lot appear typical for a 1958 ranch: intact siding/brick lower facade, carport in place, driveway with cracking. Mature trees close to roof and some roof debris are visible (increase long-term roof maintenance risk). Backyard shows an elevated wooden deck/porch with railing sections that are loose/missing and an older storage shed; fencing is chain-link. No obvious foundation settlement or standing water visible from photos, but yard and deck need repair/cleanup."
},
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"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": [
"Broken/missing deck guardrail (safety fail risk)",
"No visible smoke detectors or CO alarm in photos (code failure risk if absent)",
"Unknown GFCI protection near kitchen sink (potential code fail)",
"Roof appears aged with debris against flashing/valleys (increased leak risk)"
],
"confidence": 0.6,
"assumptions": [
"Photos represent current condition and show main living areas, kitchen, bath, backyard deck and front exterior.",
"An active central HVAC system exists (visible ceiling vents and thermostat) but external unit and service status were not shown.",
"No smoke alarms or CO detectors were visible in provided photos; assume they are missing or not in visible locations and would need verification/installation.",
"Electrical panel, water heater, attic/crawlspace, and under-sink plumbing were not photographed; their condition is assumed typical for a recently occupied rental but require verification.",
"Deck railing shown with broken/missing sections is assumed to be high enough to require a guardrail per code (will likely need repair to pass).",
"Staged placement of the refrigerator in a living area photo indicates the unit is present but may have been moved for photos; fridge and other appliances are assumed serviceable unless inspection finds otherwise.",
"No evidence of active roof leaks or major structural failure was visible in interior photos; roof age inferred as older due to shingle appearance and debris."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2745 Marydale Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Overall this property appears to be a mostly livable, recently refreshed tenant-occupied single-family home with functioning appliances and evidence of recent remodeling. Main inspection risks are code/safety items that are usually quick to remediate: install/verify smoke & CO alarms, add/repair handrails and deck guardrail, confirm GFCI protection in kitchen/bath, and address minor exterior maintenance (deck repairs, driveway cracking, vegetation). Major systems show probable functionality (HVAC registers, appliances) but electrical panel and water-heater were not shown and should be verified. With 1–4 targeted repairs/verification steps the property is likely to pass an initial HCV / NSPIRE inspection; estimate turnkey-ready within ~2–4 weeks if smoke/CO alarms, guardrails, and GFCI/outlet issues are addressed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior appears recently refreshed in places (paint, new laminate flooring) and appliances (range, washer/dryer) are present. Visible deferred items are cosmetic and medium-effort: worn/chipped cabinet paint, ceiling patching above a fan, cluttered rooms, driveway cracking, and a backyard deck that needs cleaning/repair. Missing minor trim and cabinet hardware are repair items but not structural. Presence of functioning stove, washer/dryer and fridge (in photos) reduces penalty for missing appliances."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 61.7,
"rationale": "Lot and exterior show overgrown vegetation near the structure, driveway cracking, roof debris, and a rear deck and outbuilding that look weathered and partially dilapidated. The carport and main entry look serviceable. Vegetation touching the building and a rundown shed increase maintenance and pest risk; deck rail condition appears marginal and could be an exterior code fail if not repaired."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Occupancy (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",
"score": 50.0,
"rationale": "Several NSPIRE safety items cannot be confirmed from photos and several probable deficiencies observed: no smoke detectors or CO alarms are visible in photos; kitchen/bath GFCI protection not evident; front steps appear to lack a secure handrail; backyard deck railing shows loosened/aged members and may fail guardrail requirements. Windows in photos are covered with fabric which prevents confirmation of bedroom egress operability. No obvious exposed wiring or active water intrusion seen. Taken together these are moderate inspection risks that are fixable but likely to generate inspector deficiencies if not corrected before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Elect/Plumb/Roof)",
"score": 61.7,
"rationale": "Central HVAC registers/ceiling diffusers are visible indicating a forced-air system likely present, and a range and laundry appliances are installed. Electrical panel and water heater are not shown. Roof shows surface wear and leaf/debris accumulation but no visible sagging or active leaks from interior ceiling photos (some patched ceiling area noted). Plumbing fixtures (kitchen sink, tub/shower, toilet) appear functional visually. Without panel/water-heater photos the systems score is moderate — likely serviceable but need verification (panel condition, GFCIs, water heater, HVAC operational test)."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — likely required for passing inspection.",
"Back deck railing and some deck members appear loose/aged and may fail guardrail requirements.",
"Front entry lacks a visible handrail on steps — potential code fail if rise/count requires one.",
"GFCI protection in kitchen and bathroom outlets not evident from photos — likely an inspector item.",
"Dilapidated shed/outbuilding and dense vegetation against the house increase pest and maintenance risk."
],
"confidence": 0.89,
"assumptions": [
"Central HVAC is present and operational (inferred from ceiling registers/round diffuser).",
"Water heater and electrical service are present and functional though not photographed.",
"No active roof leak exists; interior ceiling shows minor patched area but no widespread staining indicating active leak.",
"Bedrooms have operable egress windows behind the window coverings, but this was not confirmed visually.",
"Appliances shown (range, refrigerator, washer/dryer) are operable; no gas connection hazards observed (range appears electric).",
"Tenant-occupied status means repairs may require scheduling but the unit is currently inhabited.",
"Minor peeling/chipped paint seen on cabinetry only; no widespread hazardous lead-peeling surfaces were visible (house built 1958 — lead risk possible but no severe peeling observed)."
],
"score_method": "mean_of_criteria",
"overall_score": 62.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7636431807"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.