Property ID: 7644444688
220 Wildwood Ter, Jackson, MS, 39212
Jackson, MS
Money Down: $20,160
CoC Return: 31.09%
Monthly Cash Flow: $522
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,800
Closing Costs
$3,360
Total Down
$20,160
Investment Snapshot
Purchase Price
$84,000
Money Down
$20,160
Cash-on-Cash Return
31.09%
Rent
$1,241
Monthly Cash Flow
$522
Annual Cash Flow
$6,267
Debt Service / Mo
$447
Property Tax / Mo
$108
Insurance / Mo
$39
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,241
Payment Standard
$1,620
Rent
$1,241
Insurance
$39
Property Tax
$108
Management
$124
Utilities Allowance
$379
NOI (Monthly)
$969
Debt Service
$447
Cash Flow After Debt
$522
Quality Score: 66.50%
Confidence: 87.00%
This single-family property appears mostly sound and is likely rentable after modest repairs and code-item corrections. Primary concerns for an initial HCV/NSPIRE inspection are absence of visible smoke/CO alarms, unclear GFCI protection at wet areas, some damaged ceiling fan fixtures, and missing kitchen appliances. No visible structural failures, active leaks, or life‑threatening hazards were observed. Estimated time-to-pass: 2–6 weeks depending on verification/repair of alarms, GFCIs, and appliance installation.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,241
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$84,000
Beds
3
Baths
1.5
Living Area
1,240 sqft
Lot Size
14,810 sqft
Year Built
1955
Days on Market
301
Capital Outlay
$20,160
Debt Service
$447
Property Tax / Mo
$108
Insurance / Mo
$39
Property Description
Looking for the perfect investment property? Look no further! Spacious home with large living room, 3 bedrooms, 1.5 bathrooms, and a large backyard. Did I mention the two car garage? Yes, you will want to check this one out. Call today for more information.
Utility Allowances
Air Conditioning
$12
The property includes 'Central Air' cooling.
Cooking
$11
The property includes an 'Electric Range', so the electric cooking allowance was selected.
Heating
$50
The property has 'Central' heating but the fuel is unspecified. Electric was chosen as it's a common option and the more expensive choice versus an electric heat pump.
Other Electric
$69
This is a standard allowance for general electricity usage (lights, outlets, etc.) not covered by other specific electric utilities.
Range/Microwave
$3
A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned unit.
Refrigerator
$4
A refrigerator is not listed as a provided appliance, so this allowance is for a tenant-owned unit.
Sewer
$60
The property details explicitly state the property uses 'Public Sewer'.
Trash Collection
$37
Trash collection is a standard required service for a single-family home, inferred as a tenant responsibility unless stated otherwise.
Water
$104
The property details explicitly state the property uses a 'Public' water source.
Water Heating
$29
The water heater fuel type is not specified. Electric was selected as the most likely fuel source since gas is not mentioned as an available utility.
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$458
DP3 Annual Estimate$479
DP1 Monthly Equivalent$38
DP3 Monthly Equivalent$40
Replacement Value$31,590
Basis1,240 sqft / 1955
Nearby Houses
No nearby houses were returned.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarm in photos (life-safety requirement).
- GFCI protection at bathroom/kitchen not clearly present (required for wet areas).
- Ceiling fan fixtures have broken/damaged blades and shades (injury/electrical hazard potential).
- Kitchen appliances (stove/refrigerator) not shown — will need to be provided/installed before tenancy or disclosed as landlord responsibility.
Assumptions
- Photos show interior but not electrical panel, water heater, furnace or HVAC equipment; assumed central HVAC present based on ceiling vents but functionality unconfirmed.
- No smoke or carbon monoxide detectors are visible in images; assume none installed or not in required locations and will be required by inspection.
- Kitchen appliances (stove, refrigerator) are not shown and likely not provided; scored as missing appliances which reduces condition score moderately but not catastrophically.
- No active roof leaks, structural sagging, or foundation movement are visible in photos; assume none severe enough to cause immediate failure.
- Bathroom and kitchen outlets' GFCI protection is not visible; assume at least some outlets may need GFCI upgrades per NSPIRE/local code.
- Windows in bedrooms provide egress (large front living window and bedroom windows present) — assumed compliant for egress but exact dimensions not verified.
- Exterior trees close to the roof are assumed to be a moderate long-term maintenance/roof risk.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,264 | $43,590 | $6,539 |
| 2023 | $1,257 | $43,590 | $6,539 |
| 2021 | $1,258 | $43,590 | $6,539 |
| 2020 | $1,242 | $43,300 | $6,495 |
| 2019 | $1,243 | $43,300 | $6,495 |
| 2018 | $1,229 | $43,300 | $6,495 |
| 2017 | $1,230 | $43,300 | $6,495 |
| 2016 | $1,198 | $43,300 | $6,495 |
| 2015 | $1,134 | $42,240 | $6,336 |
| 2014 | $1,132 | $42,240 | $6,336 |
| 2013 | $1,101 | $42,240 | $6,336 |
| 2012 | $1,101 | $42,240 | $6,336 |
| 2011 | $1,057 | $41,140 | $6,171 |
| 2010 | $1,051 | $41,140 | $6,171 |
| 2009 | $1,051 | $41,140 | $6,171 |
| 2008 | $1,051 | $32,280 | $4,842 |
| 2007 | $833 | $32,280 | $4,842 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-09-14 | Sold | — |
| 2012-12-14 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-08-07 | Listed for rent | $1,350 | — |
| 2017-07-17 | Listed for rent | $795 | — |
| 2017-01-13 | Listed for rent | $800 | — |
Photo Gallery
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"Tax Year: 2024",
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"Source Neighborhood: Wildwood Terrace",
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"tax": 1101,
"year": 2012,
"market": {
"land": 12000,
"total": 42240,
"building": 30240
},
"assessment": {
"land": 1800,
"total": 6336,
"building": 4536
}
},
{
"tax": 1057,
"year": 2011,
"market": {
"land": 12000,
"total": 41140,
"building": 29140
},
"assessment": {
"land": 1800,
"total": 6171,
"building": 4371
}
},
{
"tax": 1051,
"year": 2010,
"market": {
"land": 12000,
"total": 41140,
"building": 29140
},
"assessment": {
"land": 1800,
"total": 6171,
"building": 4371
}
},
{
"tax": 1051,
"year": 2009,
"market": {
"land": 12000,
"total": 41140,
"building": 29140
},
"assessment": {
"land": 1800,
"total": 6171,
"building": 4371
}
},
{
"tax": 1051,
"year": 2008,
"market": {
"land": 6500,
"total": 32280,
"building": 25780
},
"assessment": {
"land": 975,
"total": 4842,
"building": 3867
}
},
{
"tax": 833,
"year": 2007,
"market": {
"land": 6500,
"total": 32280,
"building": 25780
},
"assessment": {
"land": 975,
"total": 4842,
"building": 3867
}
}
],
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{
"date": "2026-01-17",
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"list_price": 84000,
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{
"date": "2026-01-04",
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{
"date": "2026-01-02",
"price": 0,
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"days_after_listed": "255 days",
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{
"date": "2025-07-13",
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{
"date": "2025-04-22",
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"listing": {
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{
"date": "2025-02-01",
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{
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},
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{
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},
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{
"date": "2024-09-12",
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},
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{
"date": "2024-08-07",
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},
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{
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"last_update_date": "2023-09-15T11:17:20Z",
"last_status_change_date": "2024-03-21T19:57:05Z"
},
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{
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{
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},
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{
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},
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{
"date": "2017-01-12",
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},
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},
{
"date": "2012-11-29",
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"listing": {
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"list_date": "2012-11-15T19:54:00Z",
"list_price": 11900,
"listing_id": "558430915",
"last_update_date": "2012-11-29T16:54:00Z",
"last_status_change_date": "2012-11-29T16:54:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "14 days",
"source_listing_id": "247525",
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},
{
"date": "2012-11-15",
"price": 11900,
"listing": {
"status": "off_market",
"list_date": "2012-11-15T19:54:00Z",
"list_price": 11900,
"listing_id": "558430915",
"last_update_date": "2012-11-29T16:54:00Z",
"last_status_change_date": "2012-11-29T16:54:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
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"source_listing_id": "247525",
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}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7644444688",
"generated_at": "2026-02-16T23:23:06.418486Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.5
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/c1cea53575d52b4a4463c8c7704e7f9dl-m2822225650s-w1280.jpg",
"rent_price": 1241.0,
"loan_amount": 67200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/220-Wildwood-Ter_Jackson_MS_39212_M76444-44688",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 84000.0,
"loan_term_years": 30,
"annual_cash_flow": 11632.38,
"mortgage_monthly": 447.08,
"payment_standard": 1620.0,
"total_amount_out": 16800.0,
"additional_photos": [
"https://ap.rdcpix.com/c1cea53575d52b4a4463c8c7704e7f9dl-m773744827s-w1280.jpg",
"https://ap.rdcpix.com/c1cea53575d52b4a4463c8c7704e7f9dl-m1970647227s-w1280.jpg",
"https://ap.rdcpix.com/c1cea53575d52b4a4463c8c7704e7f9dl-m529844610s-w1280.jpg",
"https://ap.rdcpix.com/c1cea53575d52b4a4463c8c7704e7f9dl-m1663767415s-w1280.jpg",
"https://ap.rdcpix.com/c1cea53575d52b4a4463c8c7704e7f9dl-m2336438480s-w1280.jpg",
"https://ap.rdcpix.com/c1cea53575d52b4a4463c8c7704e7f9dl-m2708674151s-w1280.jpg",
"https://ap.rdcpix.com/c1cea53575d52b4a4463c8c7704e7f9dl-m306312678s-w1280.jpg",
"https://ap.rdcpix.com/c1cea53575d52b4a4463c8c7704e7f9dl-m3996425578s-w1280.jpg",
"https://ap.rdcpix.com/c1cea53575d52b4a4463c8c7704e7f9dl-m1731460354s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 39.04,
"monthly_cash_flow": 969.36,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "The property includes 'Central Air' cooling.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "The property includes an 'Electric Range', so the electric cooking allowance was selected.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "The property has 'Central' heating but the fuel is unspecified. Electric was chosen as it's a common option and the more expensive choice versus an electric heat pump.",
"utility": "Heating",
"allowance": 50
},
{
"note": "This is a standard allowance for general electricity usage (lights, outlets, etc.) not covered by other specific electric utilities.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned unit.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "A refrigerator is not listed as a provided appliance, so this allowance is for a tenant-owned unit.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property details explicitly state the property uses 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Trash collection is a standard required service for a single-family home, inferred as a tenant responsibility unless stated otherwise.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property details explicitly state the property uses a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "The water heater fuel type is not specified. Electric was selected as the most likely fuel source since gas is not mentioned as an available utility.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.69,
"down_payment_amount": 16800.0,
"property_tax_annual": 1301.92,
"property_tax_monthly": 108.49,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/fmr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39212/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 6267.38,
"property_management_monthly": 124.1,
"monthly_cash_flow_after_debt": 522.28,
"cash_on_cash_return_after_debt": 0.37
},
"section8_assessment": {
"runs": [
{
"summary": "This single-family property appears mostly sound and is likely rentable after modest repairs and code-item corrections. Primary concerns for an initial HCV/NSPIRE inspection are absence of visible smoke/CO alarms, unclear GFCI protection at wet areas, some damaged ceiling fan fixtures, and missing kitchen appliances. No visible structural failures, active leaks, or life‑threatening hazards were observed. Estimated time-to-pass: 2–6 weeks depending on verification/repair of alarms, GFCIs, and appliance installation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Interior is generally intact with cosmetic wear: scuffed/dull hardwood, worn carpet in places, ceiling seam/craze lines, broken/damaged ceiling fan blades and missing light shades. Kitchen and bathrooms are basic but serviceable; however no major structural damage is visible. Appliances (stove/refrigerator) are not shown — missing appliances reduce readiness moderately. Overall, mostly cosmetic and small repairs that should be addressable in 1–3 weeks of work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "Several NSPIRE safety items are uncertain or not shown: no smoke detectors or CO alarm visible in photos (required), bathroom/kitchen GFCI protection not clearly evident, and some ceiling-fan fixtures have broken shades/blades (potential injury/electrical). Entry door appears to have a deadbolt. No obvious exposed wiring or collapsed ceiling observed, and bedroom windows appear to provide egress. Because life-safety alarms appear missing and GFCI is unclear, safety risk is moderate and would likely generate inspection items."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 65.0,
"rationale": "Central HVAC appears present (ceiling vents visible) but functionality is not proven. Plumbing fixtures (toilet, vanity) present and show no active leaks in photos. Roof appears aged but intact with no visible active leaks or sagging. Electrical panel and water heater are not shown; outlet covers are present and wiring visible in photos appears concealed. Given the property's age (1955) and unseen major system components, there is moderate uncertainty but no visible catastrophic failure."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior façades and attached two-car garage are intact; paint and siding appear serviceable. Large trees are very close to the roof — this increases future roof/leaf/debris maintenance risk. Driveway and yard are worn/leaf-covered but functional. No obvious foundation movement, standing water, or major exterior structural damage visible in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (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 or carbon monoxide alarm in photos (life-safety requirement).",
"GFCI protection at bathroom/kitchen not clearly present (required for wet areas).",
"Ceiling fan fixtures have broken/damaged blades and shades (injury/electrical hazard potential).",
"Kitchen appliances (stove/refrigerator) not shown — will need to be provided/installed before tenancy or disclosed as landlord responsibility."
],
"confidence": 0.7,
"assumptions": [
"Photos show interior but not electrical panel, water heater, furnace or HVAC equipment; assumed central HVAC present based on ceiling vents but functionality unconfirmed.",
"No smoke or carbon monoxide detectors are visible in images; assume none installed or not in required locations and will be required by inspection.",
"Kitchen appliances (stove, refrigerator) are not shown and likely not provided; scored as missing appliances which reduces condition score moderately but not catastrophically.",
"No active roof leaks, structural sagging, or foundation movement are visible in photos; assume none severe enough to cause immediate failure.",
"Bathroom and kitchen outlets' GFCI protection is not visible; assume at least some outlets may need GFCI upgrades per NSPIRE/local code.",
"Windows in bedrooms provide egress (large front living window and bedroom windows present) — assumed compliant for egress but exact dimensions not verified.",
"Exterior trees close to the roof are assumed to be a moderate long-term maintenance/roof risk."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3 bed / 1.5 bath 1955 single-family property is in generally sound, rentable condition but requires several minor-to-moderate repairs before a confident NSPIRE/Section 8 pass. Primary tasks before inspection: verify and install properly located/working smoke and CO detectors, install/verify GFCI protection at kitchen and bathroom, repair or replace damaged ceiling fans and any loose wiring/extension cords, confirm HVAC and water-heater operation, perform modest flooring work (clean or replace stained carpets; refinish or touch hardwood), trim large overhanging trees and clear gutters, and install missing major appliances (stove/refrigerator) if the program requires them. With these items addressed the property is likely to pass an initial Housing Choice Voucher inspection; total time to rent-readiness is estimated at 2–6 weeks depending on HVAC/roof work needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Deferred maintenance",
"score": 70.0,
"rationale": "Interior is mostly intact with fresh paint in areas, functioning doors and cabinets, hardwood floors present but with worn/patchy finish and some stained carpet in bedrooms. Ceiling crack near kitchen and several ceiling fan blades are damaged or peeling. Kitchen and bathroom fixtures are present; however no stove or refrigerator are visible in photos (appliances likely missing). Overall cosmetic and mid-level repair needs (floor refinishing, carpet cleaning/replacement, fan replacement/repair, minor drywall touch-up, appliance installation). No visible collapsed surfaces or severe structural deterioration."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE code risk",
"score": 65.0,
"rationale": "Some positive safety indicators: entry door has a deadbolt/knob lock, bedrooms have windows that appear adequate for egress, bathroom has window. Issues: no clear photo evidence of required smoke detectors/CO alarms in sleeping areas and common areas (one small round device on a wall is visible but placement and functionality unknown), ceiling fan blades are damaged creating a potential electrical/mechanical hazard, visible extension/loose cord across a bedroom (trip hazard), likely missing GFCI protection at bathroom and possibly kitchen receptacles (no GFCI shown). House built 1955 — lead-paint risk exists if paint is disturbed. No visible active leaks, mold, collapsed ceilings, or obvious foundation failure in photos. These items create moderate NSPIRE risk that should be corrected before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Central HVAC supply vents are visible in ceilings (suggesting central heating/cooling), but no condenser, furnace, or service evidence is shown — operation unknown. Electrical outlets and covers are present; electrical panel not photographed. Plumbing fixtures appear present and functional (vanity and toilet shown) but hot water heater and plumbing supply condition unknown. Roof appears aged with large overhanging trees (increases risk of roof damage/debris); no obvious active leaks in interior photos but ceiling shows minor crack. Overall systems appear present but not verified operational; recommend HVAC service, electrical panel check, water heater check, and roof inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 70.0,
"rationale": "Exterior presents a complete envelope: siding/brick painted facade, attached two-car garage, driveway and yard intact. Issues: large mature trees overhang the roof (risk to shingles and gutters), yard and driveway show deferred maintenance (leaf/brush buildup) and shrubs close to foundation which can affect drainage/entry points. Garage doors show dents and will likely need adjustment/repair. No visible major foundation cracks or standing water in photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) — bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No clearly visible/verified smoke detectors or CO alarms in photos (NSPIRE fail if not present/functioning).",
"Damaged ceiling fan blades and some old fixtures — potential electrical/mechanical hazard that must be repaired.",
"Large trees overhanging roof — elevated risk of roof damage and clogged gutters; roof appears aged and should be inspected.",
"Possible lack of GFCI protection at bathroom/kitchen receptacles (no GFCI shown) — common NSPIRE deficiency.",
"Appliances (stove/refrigerator) not pictured — likely missing and will need to be provided for a marketable rental (though not strictly an immediate life-safety failure).",
"Lead-based paint risk due to year built (1955) — requires disclosure and careful remediation where paint is deteriorated."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC system exists (ceiling vents visible) but its operational status is unconfirmed; a service check is required.",
"Water heater is present on the property but not photographed; hot water availability is assumed but must be verified.",
"No stove or refrigerator are visible in listing photos; assume appliances are not present or not included and will need to be supplied.",
"Electrical panel, meter, and grounding are not shown — assumed intact unless inspection finds defects.",
"No active roof leaks are visible inside; roof is aging and trees increase future risk but no active interior water damage observed in photos.",
"Windows shown meet minimum bedroom egress size based on appearance, but exact dimensions must be measured for NSPIRE compliance.",
"There is potential lead-based paint risk due to 1955 build year; assume standard lead disclosure/abatement procedures as required.",
"Smoke and CO detectors are either missing or insufficiently documented in photos and should be treated as absent until proved present and working."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1.5-bath single-family home appears to be in fair condition with mostly cosmetic repairs needed. Major structural or life-safety failures are not visible in the photos provided. Key inspection risks are missing or unverified smoke/CO detectors, unverified HVAC and water-heater operation, a few trip/electrical hazards (loose cord), and exterior deferred maintenance from overhanging trees and worn garage doors. With a short list of code items (install/verify alarms, secure loose wiring, test HVAC/electrical/plumbing, replace or verify GFCI outlets, minor floor/trim repairs and appliance installation) the property is likely to pass an initial HCV/NSPIRE inspection within approximately 1–4 weeks assuming mechanical systems test functional or are serviced.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior shows mostly cosmetic wear: hardwood floors with finish wear, some carpeted bedrooms, scuffed trim and baseboards, ceiling fans with damaged/chipped blades, kitchen appears to be missing visible major appliances (no stove/fridge shown). Exterior garage doors are dented. Overall defects are repair/cosmetic and moderate in cost; nothing in photos indicates catastrophic structural damage."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 65.0,
"rationale": "Door has a deadbolt (good). Bedrooms have windows for egress visible. No obvious active leaks, major mold, collapsed ceilings or severe trip hazards in photos. Smoke and CO detectors are not clearly visible in photos (one small round device on a wall/ceiling in living area is uncertain) — missing/insufficient alarms would be an immediate NSPIRE corrective item. GFCI protection near wet areas not clearly identified. A loose cord across a bedroom carpet is a trip/electrical hazard that should be secured. Overall some likely minor code fixes needed (install/verify detectors, verify GFCI, secure cords, repair/replace fan blades)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Visible ceiling air diffusers and floor/ceiling vents indicate central HVAC ducting is present, but no furnace/AC equipment or water heater is shown and operational status is unknown. Plumbing fixtures (toilet, sink) are present and appear functional from photos but not tested. Electrical panel not shown. Roof appears intact from the front elevation photos but tree cover and staining could indicate deferred maintenance. Given lack of visible system failures but limited verification, assign moderate risk and likely need for service/testing before tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.0,
"rationale": "Exterior brick/painted siding looks intact. Large mature trees overhang and are immediately adjacent to the roof which increases risk for debris, clogged gutters and potential roof damage over time. Driveway and garage doors show wear/dents. Yard appears large but somewhat overgrown. No visible foundation cracking or obvious site drainage failures in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No clearly visible/verified smoke detectors or CO alarms in photos — NSPIRE requires functioning alarms.",
"Loose electrical cord running across bedroom carpet — trip/electrical hazard that must be corrected.",
"Large trees overhanging roof and close to structure — elevated maintenance and potential roof/gutter damage risk.",
"Garage doors are dented and may need repair to function securely; driveway/approach shows wear."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC exists (visible vents/diffusers) but equipment (furnace/AC) condition and operational status not shown; assumed service likely needed.",
"No water heater visible in photos; assume one exists in utility area and requires verification of hot water.",
"Electrical panel and meter locations were not photographed; assumed intact but unverified.",
"Appliances (stove, refrigerator) are not shown; assume they are not present and will need installation or provision prior to tenancy.",
"Smoke and carbon monoxide alarms are not clearly visible in photos; assume at least some are missing or need relocation/testing.",
"Windows shown in bedrooms provide egress; assume bedroom sizes/egress meet local code but this must be verified in-person.",
"No obvious major foundation movement, roof sagging, or active interior water intrusion visible in photos; assume none present but recommend in-person verification.",
"Exterior trees are close to roof and may cause deferred roof/gutter issues over time; assume trimming/maintenance will be necessary."
],
"overall_score": 67.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "220 Wildwood Ter, Jackson, MS, 39212",
"aggregate": {
"summary": "This single-family property appears mostly sound and is likely rentable after modest repairs and code-item corrections. Primary concerns for an initial HCV/NSPIRE inspection are absence of visible smoke/CO alarms, unclear GFCI protection at wet areas, some damaged ceiling fan fixtures, and missing kitchen appliances. No visible structural failures, active leaks, or life‑threatening hazards were observed. Estimated time-to-pass: 2–6 weeks depending on verification/repair of alarms, GFCIs, and appliance installation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 72.3,
"rationale": "Interior is generally intact with cosmetic wear: scuffed/dull hardwood, worn carpet in places, ceiling seam/craze lines, broken/damaged ceiling fan blades and missing light shades. Kitchen and bathrooms are basic but serviceable; however no major structural damage is visible. Appliances (stove/refrigerator) are not shown — missing appliances reduce readiness moderately. Overall, mostly cosmetic and small repairs that should be addressable in 1–3 weeks of work."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 69.3,
"rationale": "Exterior façades and attached two-car garage are intact; paint and siding appear serviceable. Large trees are very close to the roof — this increases future roof/leaf/debris maintenance risk. Driveway and yard are worn/leaf-covered but functional. No obvious foundation movement, standing water, or major exterior structural damage visible in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 61.7,
"rationale": "Several NSPIRE safety items are uncertain or not shown: no smoke detectors or CO alarm visible in photos (required), bathroom/kitchen GFCI protection not clearly evident, and some ceiling-fan fixtures have broken shades/blades (potential injury/electrical). Entry door appears to have a deadbolt. No obvious exposed wiring or collapsed ceiling observed, and bedroom windows appear to provide egress. Because life-safety alarms appear missing and GFCI is unclear, safety risk is moderate and would likely generate inspection items."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 61.7,
"rationale": "Central HVAC appears present (ceiling vents visible) but functionality is not proven. Plumbing fixtures (toilet, vanity) present and show no active leaks in photos. Roof appears aged but intact with no visible active leaks or sagging. Electrical panel and water heater are not shown; outlet covers are present and wiring visible in photos appears concealed. Given the property's age (1955) and unseen major system components, there is moderate uncertainty but no visible catastrophic failure."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in photos (life-safety requirement).",
"GFCI protection at bathroom/kitchen not clearly present (required for wet areas).",
"Ceiling fan fixtures have broken/damaged blades and shades (injury/electrical hazard potential).",
"Kitchen appliances (stove/refrigerator) not shown — will need to be provided/installed before tenancy or disclosed as landlord responsibility."
],
"confidence": 0.87,
"assumptions": [
"Photos show interior but not electrical panel, water heater, furnace or HVAC equipment; assumed central HVAC present based on ceiling vents but functionality unconfirmed.",
"No smoke or carbon monoxide detectors are visible in images; assume none installed or not in required locations and will be required by inspection.",
"Kitchen appliances (stove, refrigerator) are not shown and likely not provided; scored as missing appliances which reduces condition score moderately but not catastrophically.",
"No active roof leaks, structural sagging, or foundation movement are visible in photos; assume none severe enough to cause immediate failure.",
"Bathroom and kitchen outlets' GFCI protection is not visible; assume at least some outlets may need GFCI upgrades per NSPIRE/local code.",
"Windows in bedrooms provide egress (large front living window and bedroom windows present) — assumed compliant for egress but exact dimensions not verified.",
"Exterior trees close to the roof are assumed to be a moderate long-term maintenance/roof risk."
],
"score_method": "mean_of_criteria",
"overall_score": 66.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7644444688"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.