Property ID: 7643289443
2862 Oak Forest Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $12,936
CoC Return: 67.00%
Monthly Cash Flow: $722
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$10,780
Closing Costs
$2,156
Total Down
$12,936
Investment Snapshot
Purchase Price
$53,900
Money Down
$12,936
Cash-on-Cash Return
67.00%
Rent
$1,281
Monthly Cash Flow
$722
Annual Cash Flow
$8,667
Debt Service / Mo
$287
Property Tax / Mo
$106
Insurance / Mo
$38
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,281
Payment Standard
$1,620
Rent
$1,281
Insurance
$38
Property Tax
$106
Management
$128
Utilities Allowance
$339
NOI (Monthly)
$1,009
Debt Service
$287
Cash Flow After Debt
$722
Quality Score: 61.90%
Confidence: 75.00%
Overall the property appears to be a near-term rental candidate with moderate cosmetic and finish work required. Major structural failures are not visible in the photos. The most likely inspection issues are absence or nonfunctional smoke/CO detectors, lack of GFCI protection in kitchen/bath, incomplete front handrail, and needed minor repairs in kitchen cabinetry, flooring, and ceiling patches. With targeted work (install/verify detectors, install GFCI outlets where required, repair/secure handrail, service HVAC/water heater, install missing appliances if landlord-supplied, and cosmetic repairs) the home would likely pass an initial HCV/NSPIRE inspection within ~2–6 weeks.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$339
Guaranteed Section 8 Rent (PS - Utilities)
$1,281
Property Management
$128
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$53,900
Beds
3
Baths
1.5
Living Area
1,314 sqft
Lot Size
14,375 sqft
Year Built
1955
Days on Market
5
Capital Outlay
$12,936
Debt Service
$287
Property Tax / Mo
$106
Insurance / Mo
$38
Property Description
Well-maintained 3 bedroom, 1.5 bathroom property with strong rental potential. The home is nearing rent-ready condition, with only minor finishing items remaining. Functional layout with spacious bedrooms and two full baths. Ideal opportunity for an investor seeking a rental property with minimal remaining work prior to leasing.
Utility Allowances
Air Conditioning
$12
Selected based on the property having 'Central Air' and the fixed allowance for a 3-bedroom single-family detached unit.
Cooking (electric)
$11
Selected 'electric' as an electric stove is visible in property photos. The allowance is for a 3-bedroom unit.
Heating (natural_gas)
$21
Selected 'natural_gas' as the most likely fuel for the 'Forced Air' heating system, supported by neighboring properties listing natural gas. The allowance is for a 3-bedroom unit.
Other Electric
$69
This is a standard allowance for miscellaneous electricity (lights, outlets) for a 3-bedroom single-family detached unit.
Range/Microwave
$3
A microwave was not mentioned or pictured as being provided by the landlord, so a tenant-provided appliance allowance is included.
Refrigerator
$4
A refrigerator was not mentioned or pictured as being provided by the landlord, so a tenant-provided appliance allowance is included.
Sewer
$60
The property details explicitly state 'Public Sewer'. The allowance is the fixed rate for a 3-bedroom unit.
Trash Collection
$37
Standard fixed allowance for trash service, assumed for a single-family home.
Water
$104
The property details explicitly state 'Water Source: Public'. The allowance is the fixed rate for a 3-bedroom unit.
Water Heating (natural_gas)
$18
Selected 'natural_gas' to be consistent with the fuel choice for the main heating system. The allowance is for a 3-bedroom unit.
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$447
DP3 Annual Estimate$468
DP1 Monthly Equivalent$37
DP3 Monthly Equivalent$39
Replacement Value$30,470
Basis1,314 sqft / 1955
Nearby Houses
Photo unavailable
2879 Woodside Dr
sold · 0.04 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
2871 Woodside Dr
for_sale · 0.04 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
2880 Oak Forest Dr
sold · 0.04 mi
Price: $105,000
3 bd / 2 ba · 1,170 sqft
Latest sale: — on Apr 29, 2025
Latest rent: $1,400 on Jun 27, 2025
Photo unavailable
2914 Oak Forest Dr
for_sale · 0.09 mi
Price: $100,000
3 bd / 1 ba · 1,170 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2831 Woodside Dr
sold · 0.09 mi
Price: $80,000
3 bd / 1 ba · 1,032 sqft
Latest sale: — on Dec 15, 2023
Latest rent: $900 on Dec 29, 2023
Photo unavailable
2840 Woodside Dr
sold · 0.11 mi
Price: $36,000
3 bd / 1 ba · 1,032 sqft
Latest sale: — on Aug 03, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Smoke/carbon monoxide detectors not clearly present or verified (NSPIRE fail if missing/nonfunctional).
- Kitchen and bathroom GFCI protection not visible — likely required and would be cited.
- Front entry handrail is incomplete/temporary on one side (unsafe/ noncompliant).
- Ceiling cracking and staining in multiple rooms — possible prior water intrusion that requires investigation.
- Major appliances (stove, refrigerator) not shown — landlord-supplied appliance absence will affect tenant readiness and inspection notes depending on local policy.
- Potential lead-based paint risk due to 1955 construction (requires disclosure/testing).
Assumptions
- No full home inspection or systems reports provided; analysis is based solely on listing photos and text.
- Forced-air heating/AC is assumed present due to visible floor vent, but HVAC unit condition and operation are unverified.
- Water heater exists but was not photographed; hot water availability is unverified and should be confirmed prior to inspection.
- Smoke and CO detectors are assumed absent or not guaranteed functional because none are clearly visible; one small ceiling device was ambiguous and not relied on.
- Kitchen appliances (stove/oven, refrigerator) are not present in photos; a stove hookup and range hood are visible. Missing appliances reduce readiness but are fixable.
- No electrical panel or service label visible; electrical compliance (breaker labeling, grounding) is unverified.
- Because the house was built in 1955, assume potential lead-based paint risk until cleared by testing.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,231 | $42,470 | $6,371 |
| 2023 | $1,225 | $42,470 | $6,371 |
| 2021 | $1,225 | $42,470 | $6,371 |
| 2020 | $1,211 | $42,210 | $6,332 |
| 2019 | $1,212 | $42,210 | $6,332 |
| 2018 | $1,198 | $42,210 | $6,332 |
| 2017 | $1,199 | $42,210 | $6,332 |
| 2016 | $1,167 | $42,210 | $6,332 |
| 2015 | $1,105 | $41,150 | $6,173 |
| 2014 | $1,126 | $42,020 | $6,303 |
| 2013 | $1,095 | $42,020 | $6,303 |
| 2012 | $1,095 | $42,020 | $6,303 |
| 2011 | $1,052 | $40,940 | $6,141 |
| 2010 | $1,046 | $40,940 | $6,141 |
| 2009 | $946 | $37,060 | $5,559 |
| 2008 | $946 | $31,170 | $4,676 |
| 2007 | $804 | $31,170 | $4,676 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Listed | $53,900 |
| 2026-02-05 | Listing removed | $0 |
| 2026-01-14 | Listed for rent | $1,145 |
| 2026-01-09 | Listing removed | $0 |
| 2025-11-22 | Listed for rent | $1,150 |
| 2025-09-06 | Listing removed | $0 |
| 2025-08-13 | Price Changed | $54,000 |
| 2025-07-12 | Price Changed | $59,000 |
| 2025-05-28 | Listed | $69,000 |
| 2019-02-27 | Listing removed | $0 |
| 2019-02-22 | Listing removed | $700 |
| 2019-01-22 | Price Changed for rent | $700 |
| 2019-01-14 | Price Changed for rent | $0 |
| 2019-01-05 | Price Changed for rent | $700 |
| 2018-12-14 | Listed for rent | $850 |
| 2015-05-05 | Listing removed | $750 |
| 2015-04-01 | Price Changed for rent | $750 |
| 2015-03-04 | Listed for rent | $850 |
| 2011-07-26 | Listing removed | $13,770 |
| 2011-06-15 | Listed | $13,770 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-11-22 | Listed for rent | $1,150 | — |
| 2018-12-13 | Listed for rent | $850 | — |
| 2015-03-04 | Listed for rent | $850 | — |
Photo Gallery
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{
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},
{
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"utility": "Heating (natural_gas)",
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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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"utility": "Water",
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},
{
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}
],
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"runs": [
{
"summary": "Overall the property appears to be a near-term rental candidate with moderate cosmetic and finish work required. Major structural failures are not visible in the photos. The most likely inspection issues are absence or nonfunctional smoke/CO detectors, lack of GFCI protection in kitchen/bath, incomplete front handrail, and needed minor repairs in kitchen cabinetry, flooring, and ceiling patches. With targeted work (install/verify detectors, install GFCI outlets where required, repair/secure handrail, service HVAC/water heater, install missing appliances if landlord-supplied, and cosmetic repairs) the home would likely pass an initial HCV/NSPIRE inspection within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior is mostly intact but shows mid-level deferred maintenance: worn hardwood and patched vinyl flooring (peeling seams), cabinet doors hanging/missing, ceiling cracks and patched areas, scuffed trim and surfaces. Kitchen and some fixtures are present but the stove and refrigerator are not visible (range hookup present). These are mostly cosmetic/finish items and moderate repairs (cabinet hinge/door replacement, floor refinishing/replace sections, ceiling patching, painting, install missing appliance(s)). Not showing major structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 55.0,
"rationale": "Visible risks: smoke/CO detectors are not clearly visible in the photos (one small round device near a doorway is ambiguous), kitchen outlets appear to be standard (no visible GFCI), and window types are older single-pane (egress likely but should be verified). Front entry steps have an inconsistent/temporary wood rail on one side and a metal rail on the other — risk of noncompliant handrail. Ceiling cracking/staining near fixtures suggests prior water intrusion that should be evaluated. Plumbing fixtures and toilet are present. Because smoke detectors, GFCI protection, and some handrail compliance cannot be confirmed, safety score is moderate — these are fixable but would commonly produce inspector notes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical (HVAC, plumbing, electrical, roof)",
"score": 60.0,
"rationale": "Major systems are only partially visible. Floor vent registers indicate a forced-air system likely present but no HVAC unit or age/operation verified. Water heater is not shown and hot water functionality is unverified. Electrical panel not visible; outlets present but GFCI not apparent in kitchen/bath. Roof looks intact from front elevation with no obvious sagging, but condition and leaks cannot be confirmed from supplied photos. Overall moderate risk: systems likely present but need service/verification; no clear catastrophic failures visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior envelope appears intact: siding and brick foundation visible with no obvious large settlement or major structural sagging. Yard is overgrown and needs landscaping/cleanup; driveway and walkway are serviceable though the front steps need consistent handrails. Windows and porch awnings look aged and dirty; some window panes show warping/age. No evidence of standing water or major exterior deterioration in photos. Overall a functional exterior with cosmetic and maintenance needs."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Smoke/carbon monoxide detectors not clearly present or verified (NSPIRE fail if missing/nonfunctional).",
"Kitchen and bathroom GFCI protection not visible — likely required and would be cited.",
"Front entry handrail is incomplete/temporary on one side (unsafe/ noncompliant).",
"Ceiling cracking and staining in multiple rooms — possible prior water intrusion that requires investigation.",
"Major appliances (stove, refrigerator) not shown — landlord-supplied appliance absence will affect tenant readiness and inspection notes depending on local policy.",
"Potential lead-based paint risk due to 1955 construction (requires disclosure/testing)."
],
"confidence": 0.65,
"assumptions": [
"No full home inspection or systems reports provided; analysis is based solely on listing photos and text.",
"Forced-air heating/AC is assumed present due to visible floor vent, but HVAC unit condition and operation are unverified.",
"Water heater exists but was not photographed; hot water availability is unverified and should be confirmed prior to inspection.",
"Smoke and CO detectors are assumed absent or not guaranteed functional because none are clearly visible; one small ceiling device was ambiguous and not relied on.",
"Kitchen appliances (stove/oven, refrigerator) are not present in photos; a stove hookup and range hood are visible. Missing appliances reduce readiness but are fixable.",
"No electrical panel or service label visible; electrical compliance (breaker labeling, grounding) is unverified.",
"Because the house was built in 1955, assume potential lead-based paint risk until cleared by testing."
],
"overall_score": 68.0,
"rubric_version": "ns-pplain-2026-02"
},
{
"summary": "Overall the home appears to be a moderately ready rental with mostly cosmetic and finish work remaining. Major visible items are missing kitchen appliances and aged finishes; the highest inspection risk is missing smoke/CO detectors and apparent lack of GFCI protection in kitchen/bath — these are mandatory NSPIRE items and must be corrected before a Section 8/HCV initial inspection will pass. Mechanical systems (HVAC, water heater, electrical panel) are not shown and should be function-tested; treat them as moderate risk until verified. If smoke/CO detectors, GFCIs, appliance replacements, minor cabinet and flooring repairs, and a basic mechanical check are completed, the property would likely pass an initial inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior is generally intact with usable floors, painted walls and functioning plumbing fixtures visible. Observable deferred items: multiple cabinet doors misaligned/missing, worn hardwood and loose vinyl plank seams, ceiling hairline cracks and cosmetic ceiling texture damage, dirty/aged finishes, missing kitchen appliances (stove/refrigerator). These are mostly cosmetic or small carpentry/plumbing/electrical finish items that will require moderate work (cabinet repair, floor refinish/replace, paint, replace appliances). No evidence of exposed structural members or collapsed ceilings. Missing appliances reduce readiness moderately but are capital items rather than safety failures."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 48.0,
"rationale": "High-risk inspection items appear to be absent or not visible in photos: no smoke detectors or carbon monoxide detectors are evident, and no GFCI-protected receptacles are clearly visible at kitchen counters or bathroom area. Windows in bedrooms look like they would provide egress, but exact clear opening sizes cannot be confirmed from photos. Handrail condition at the front stoop is mixed (one metal rail present, one side shows a small wooden rail) and some exterior skirting/gap at foundation is visible. No obvious active water intrusion, major electrical arcing, collapsed ceilings, or standing water visible. Because smoke/CO/GFCI are commonly required and not seen, this creates a notable NSPIRE fail risk until corrected — these are relatively quick fixes but mandatory for pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 55.0,
"rationale": "Major systems are not shown directly. Evidence: floor grille/vent visible indicating a central HVAC/forced-air system likely exists, and interior plumbing fixtures (sink, toilet, tub/shower) are present. No water heater, furnace, or electrical service/panel photos were provided. Roof appearance from front photo shows no obvious sag or missing large areas, but full roof condition not visible. Given age (1955) and no visible mechanical equipment, treat as moderate risk: systems may be functional but require verification (HVAC operation, water heater, hot water supply, electrical panel condition, GFCI). No visible life-safety mechanical failures photographed, but testing will determine pass/fail."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "Exterior shows an intact envelope with siding and roofline generally straight, a concrete walkway, and brick foundation. Issues: overgrown vegetation touching the structure, missing/loose foundation skirting at lower right, front yard is unkempt with debris and surface roots (trip hazard), and windows appear old/dirty. Front stoop has a handrail on one side and a makeshift wooden rail on the other; railing condition should be secured. Drainage grade near foundation not fully visible. These are moderate exterior repairs (landscaping, replace skirting, secure railings) rather than structural collapse."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors in living areas/bedrooms — mandatory for initial inspection.",
"No visible carbon monoxide detector(s) and likely missing GFCI protection at kitchen/bath — NSPIRE fail items until corrected.",
"Major mechanicals not photographed: no visible furnace, outside condenser, water heater, or electrical panel — requires on-site verification.",
"Front foundation skirting/gap and vegetation contact with the building that could invite pests or moisture intrusion.",
"Loose/misaligned cabinet doors and seam/lifted flooring create trip hazards and will need repair prior to move-in."
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or carbon monoxide alarms are present in the photographed rooms (none visible) and are likely missing elsewhere unless installed out-of-frame.",
"Central HVAC is assumed to exist due to visible floor vent, but equipment (furnace/AC unit) and operation status are not confirmed.",
"Electrical panel, water heater, and utilities are present and serviceable but not photographed — their condition is unknown and presumed to be serviceable until proven otherwise.",
"Kitchen and bathroom outlets likely lack modern GFCI protection because no GFCI receptacles are visible in photos.",
"Windows shown provide adequate egress for bedrooms based on size in photos but exact clear opening dimensions were not measured.",
"Listing text claiming 'nearing rent-ready' is accurate regarding no major structural issues; assessment leans on that statement where photos are inconclusive."
],
"overall_score": 58.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed, 1.5-bath 1955 home appears near rent-ready with primarily cosmetic and modest-scope repairs required. Major systems and structure appear intact from photos with no obvious structural failure. Primary inspection risks that would likely need correction before a Housing Choice Voucher initial inspection: install/verify smoke detectors in required locations, add GFCI protection at kitchen/bath outlets, repair/replace missing/sturdy handrail at front steps, fix loose flooring seams (trip hazard), repair damaged kitchen cabinet doors/drawers, and confirm HVAC, hot water and electrical system operation. Lead-based paint disclosure and possible mitigation will be required due to year built. With the indicated minor-to-moderate repairs and system verifications the property is likely passable after ~2–6 weeks of work; it is not turnkey today but close.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior finishes are worn but largely intact: hardwood and vinyl flooring show wear and a few loose seams, ceilings have hairline cracks and cosmetic unevenness, kitchen cabinets are worn with missing/damaged doors and drawer fronts, and appliances are absent in photos (no stove or refrigerator shown). Bathrooms and kitchen fixtures are present but aged. Overall items are cosmetic/finish or cabinet replacements and would be classified as easy-to-fix or capital-only work; no widespread structural collapse or exposed subfloor was seen. Estimated work: cabinet repair/replacement, flooring seam repairs or partial replacement, paint, minor ceiling repairs, install range/refrigerator, general cleaning."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 55.0,
"rationale": "Visible safety concerns that could cause an initial NSPIRE fail: no clear, correctly-located smoke detectors visible in bedrooms or hallways (one small round device over kitchen area may be a detector but coverage appears insufficient), likely absence of GFCI-protected outlet at the kitchen sink (visible outlets are standard style), front steps have a missing/partial wooden handrail on the left (metal handrail on the right only), and loose vinyl flooring seam in a bedroom creates a trip hazard. The house was built in 1955 so it carries lead-based paint risk (peeling not widespread in photos but pre-1978 presumption applies). No obvious exposed wiring, major water intrusion, collapsed ceilings or other immediate life-threatening hazards were seen. These items are repairable but several (smoke detectors, GFCI, handrail) are mandatory for inspection pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Major systems not directly photographed (furnace, water heater, electrical panel) but limited indicators: floor/room vents visible suggesting central forced-air HVAC is present though no equipment photo or confirmation of operation. Plumbing fixtures, sink, toilet and tub/shower are present; no visible active leaks. Electrical outlets and light fixtures are present but missing GFCI near sink is likely. Roof condition not clearly visible; soffits/eaves appear intact from exterior photo and no active roof leaks were observed inside. Because system presence is likely but unverified, this is a moderate score reflecting probable functionality with recommended service and verification (HVAC service, water heater check, electrical/GFCI verification)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior shows an intact envelope with brick foundation skirt and siding in generally fair condition; some overgrown vegetation along the sides and yard appears neglected with tree roots and debris that are trip hazards. Front porch/steps are concrete and structurally present, but one side handrail missing/partial (safety issue). Windows appear older single-pane and at least one looks dirty or damaged; driveway and carport present. No visible major foundation settlement, sagging roof or standing water observed from provided exterior photo."
},
{
"key": "rental_history_activity",
"label": "Rental history / recent occupancy (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Broken / missing handrail at front steps (unsafe stairs)",
"Probable lead-based paint hazard (house built 1955; pre-1978)",
"Missing or insufficient smoke detectors in bedrooms/hallways (inspection-fail risk)",
"Likely absence of GFCI protection at kitchen/bath electrical outlets"
],
"confidence": 0.7,
"assumptions": [
"Central forced-air HVAC exists (floor vents visible) and is operable or serviceable — no HVAC equipment photo was provided.",
"Water heater and main plumbing are present and supply hot water, since bathroom fixtures are installed and no active leaks are visible in photos.",
"Electrical service and panel are intact and meet code, but GFCI protection at kitchen/bath is likely absent and will need upgrading.",
"Windows provide required bedroom egress (bedroom windows appear large enough), though panes are older and may need repair or replacement.",
"No active roof leaks or major foundation movement exist (no interior staining or exterior settlement visible in provided photos).",
"Stove and refrigerator are NOT present in photos and should be considered missing until confirmed; missing appliances reduce readiness but are not a fatal NSPIRE failure."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2862 Oak Forest Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Overall the property appears to be a near-term rental candidate with moderate cosmetic and finish work required. Major structural failures are not visible in the photos. The most likely inspection issues are absence or nonfunctional smoke/CO detectors, lack of GFCI protection in kitchen/bath, incomplete front handrail, and needed minor repairs in kitchen cabinetry, flooring, and ceiling patches. With targeted work (install/verify detectors, install GFCI outlets where required, repair/secure handrail, service HVAC/water heater, install missing appliances if landlord-supplied, and cosmetic repairs) the home would likely pass an initial HCV/NSPIRE inspection within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.7,
"rationale": "Interior is mostly intact but shows mid-level deferred maintenance: worn hardwood and patched vinyl flooring (peeling seams), cabinet doors hanging/missing, ceiling cracks and patched areas, scuffed trim and surfaces. Kitchen and some fixtures are present but the stove and refrigerator are not visible (range hookup present). These are mostly cosmetic/finish items and moderate repairs (cabinet hinge/door replacement, floor refinishing/replace sections, ceiling patching, painting, install missing appliance(s)). Not showing major structural failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior envelope appears intact: siding and brick foundation visible with no obvious large settlement or major structural sagging. Yard is overgrown and needs landscaping/cleanup; driveway and walkway are serviceable though the front steps need consistent handrails. Windows and porch awnings look aged and dirty; some window panes show warping/age. No evidence of standing water or major exterior deterioration in photos. Overall a functional exterior with cosmetic and maintenance needs."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 52.7,
"rationale": "Visible risks: smoke/CO detectors are not clearly visible in the photos (one small round device near a doorway is ambiguous), kitchen outlets appear to be standard (no visible GFCI), and window types are older single-pane (egress likely but should be verified). Front entry steps have an inconsistent/temporary wood rail on one side and a metal rail on the other — risk of noncompliant handrail. Ceiling cracking/staining near fixtures suggests prior water intrusion that should be evaluated. Plumbing fixtures and toilet are present. Because smoke detectors, GFCI protection, and some handrail compliance cannot be confirmed, safety score is moderate — these are fixable but would commonly produce inspector notes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical (HVAC, plumbing, electrical, roof)",
"score": 60.0,
"rationale": "Major systems are only partially visible. Floor vent registers indicate a forced-air system likely present but no HVAC unit or age/operation verified. Water heater is not shown and hot water functionality is unverified. Electrical panel not visible; outlets present but GFCI not apparent in kitchen/bath. Roof looks intact from front elevation with no obvious sagging, but condition and leaks cannot be confirmed from supplied photos. Overall moderate risk: systems likely present but need service/verification; no clear catastrophic failures visible."
}
],
"red_flags": [
"Smoke/carbon monoxide detectors not clearly present or verified (NSPIRE fail if missing/nonfunctional).",
"Kitchen and bathroom GFCI protection not visible — likely required and would be cited.",
"Front entry handrail is incomplete/temporary on one side (unsafe/ noncompliant).",
"Ceiling cracking and staining in multiple rooms — possible prior water intrusion that requires investigation.",
"Major appliances (stove, refrigerator) not shown — landlord-supplied appliance absence will affect tenant readiness and inspection notes depending on local policy.",
"Potential lead-based paint risk due to 1955 construction (requires disclosure/testing)."
],
"confidence": 0.75,
"assumptions": [
"No full home inspection or systems reports provided; analysis is based solely on listing photos and text.",
"Forced-air heating/AC is assumed present due to visible floor vent, but HVAC unit condition and operation are unverified.",
"Water heater exists but was not photographed; hot water availability is unverified and should be confirmed prior to inspection.",
"Smoke and CO detectors are assumed absent or not guaranteed functional because none are clearly visible; one small ceiling device was ambiguous and not relied on.",
"Kitchen appliances (stove/oven, refrigerator) are not present in photos; a stove hookup and range hood are visible. Missing appliances reduce readiness but are fixable.",
"No electrical panel or service label visible; electrical compliance (breaker labeling, grounding) is unverified.",
"Because the house was built in 1955, assume potential lead-based paint risk until cleared by testing."
],
"score_method": "mean_of_criteria",
"overall_score": 61.9,
"rubric_version": "ns-pplain-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7643289443"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.