Property ID: 7648747757
333 Reed Ave, Jackson, MS, 39206
Jackson, MS
Money Down: $26,400
CoC Return: 13.33%
Monthly Cash Flow: $293
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
13.33%
Rent
$1,154
Monthly Cash Flow
$293
Annual Cash Flow
$3,518
Debt Service / Mo
$585
Property Tax / Mo
$126
Insurance / Mo
$34
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,154
Payment Standard
$1,530
Rent
$1,154
Insurance
$34
Property Tax
$126
Management
$115
Utilities Allowance
$376
NOI (Monthly)
$879
Debt Service
$585
Cash Flow After Debt
$293
Quality Score: 64.90%
Confidence: 95.00%
This 3-bed, 1-bath single-family appears structurally sound and mostly cosmetically finished; it is likely rentable after a short list of safety and minor repairs. Primary inspection risks are missing/uncertain smoke and CO detectors, probable missing kitchen GFCI protection, and exposed wiring under the kitchen counter. Fixing those electrical/safety items plus a few cosmetic repairs (cabinet door/trim, ceiling fan replacement, touch-up floors) should bring the unit into NSPIRE compliance. With those repairs the property should pass an initial Housing Choice Voucher inspection within 1–4 weeks.
Section 8 Payment Standard
$1,530
Utility Allowance Total
$376
Guaranteed Section 8 Rent (PS - Utilities)
$1,154
Property Management
$115
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
3
Baths
1
Living Area
—
Lot Size
13,504 sqft
Year Built
1958
Days on Market
305
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$126
Insurance / Mo
$34
Utility Allowances
Heating
$50
Selected 'Electric' for Heating as property details specify 'Heating Features: Central Electric'. The allowance is for a 3-bedroom unit.
Air Conditioning
$12
Selected as property details specify 'Cooling Features: Central Air'. The allowance is for a 3-bedroom unit.
Cooking
$11
Selected 'Electric' for Cooking as the property has central electric heating, suggesting it is an all-electric home. The allowance is for a 3-bedroom unit.
Water Heating
$29
Selected 'Electric' for Water Heating based on the property having other electric systems (heating, cooling) and no other fuel source being mentioned. The allowance is for a 3-bedroom unit.
Sewer
$60
Selected as property details specify 'Sewer: Public Sewer'. The allowance is for a 3-bedroom unit.
Water
$104
Selected as property details specify 'Water Source: Public'. The allowance is for a 3-bedroom unit.
Trash Collection
$37
Included as a standard utility for single-family homes. The allowance is fixed for all bedroom sizes.
Other Electric
$69
Included as a standard allowance for general electricity usage (lights, outlets). The allowance is for a 3-bedroom unit.
Refrigerator
$4
Included because the property information does not explicitly state that a refrigerator is provided, so it is assumed to be tenant-owned.
Range/Microwave
$0
Allowance is $0 as the property details explicitly list 'Microwave' and photos show a range/stove, indicating these are owner-provided.
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$390
DP3 Annual Estimate$421
DP1 Monthly Equivalent$32
DP3 Monthly Equivalent$35
Replacement Value$25,720
Basis1,237 sqft / 1958
Nearby Houses
Photo unavailable
327 Reed Ave
sold · 0.02 mi
Price: $77,900
3 bd / 2 ba · 1,432 sqft
Latest sale: — on Oct 05, 2023
Latest rent: —
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316 Barnes St
sold · 0.04 mi
Price: $79,900
3 bd / 10 ba · 1,179 sqft
Latest sale: — on Sep 01, 2023
Latest rent: —
Photo unavailable
346 Reed Ave
sold · 0.05 mi
Price: $75,000
3 bd / 1 ba · 1,112 sqft
Latest sale: — on Nov 17, 2023
Latest rent: $1,100 on Apr 23, 2025
Photo unavailable
5440 Grafton St
for_sale · 0.07 mi
Price: $79,900
3 bd / 1 ba · 1,069 sqft
Latest sale: —
Latest rent: $1,350 on Sep 29, 2024
Photo unavailable
358 Reed Ave
sold · 0.07 mi
Price: $115,900
3 bd / 1 ba · 1,100 sqft
Latest sale: — on May 08, 2025
Latest rent: $1,150 on May 28, 2025
Photo unavailable
340 Barnes St
sold · 0.07 mi
Price: $45,000
4 bd / 2 ba · 1,602 sqft
Latest sale: — on Aug 02, 2023
Latest rent: $950 on May 11, 2017
Photo unavailable
331 Barnes St
sold · 0.07 mi
Price: $128,000
3 bd / 2 ba · 1,532 sqft
Latest sale: — on May 01, 2024
Latest rent: —
Photo unavailable
363 Reed Ave
for_sale · 0.08 mi
Price: $65,000
3 bd / 1 ba · 1,079 sqft
Latest sale: —
Latest rent: —
Photo unavailable
319 Leron Ave
sold · 0.09 mi
Price: $106,000
5 bd / 2 ba · 1,475 sqft
Latest sale: — on Nov 17, 2023
Latest rent: $1,900 on Dec 19, 2023
Risk and Criteria Detail
Red Flags
- success
- Exposed wiring beneath the kitchen counter (electrical hazard).
- No visible smoke detectors or carbon monoxide alarms (inspection-fail risk).
- No visible GFCI outlet in kitchen (likely required near sink).
Assumptions
- No smoke detectors or CO alarms exist in the unit because none are visible in the provided photos; none were called out in listing text (N/A).
- Central HVAC is assumed present because a ceiling supply/return vent is visible; functionality is not verified.
- Water heater and electrical service are present but not photographed; assumed functional unless inspection finds otherwise.
- Bedrooms have adequate egress via the visible windows; window sizes and operation are assumed acceptable for egress.
- Kitchen stove is gas or electric and appears usable; refrigerator is not pictured and may not be provided by owner.
- No visible active roof leaks or major foundation movement from available photos; interior ceilings show no staining or sagging.
- Exposed wires under kitchen counter are assumed to be live/unfinished and represent an electrical hazard requiring correction.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,470 | $50,720 | $7,608 |
| 2023 | $1,463 | $50,720 | $7,608 |
| 2021 | $1,463 | $50,720 | $7,608 |
| 2020 | $776 | $51,570 | $5,157 |
| 2019 | $777 | $51,570 | $5,157 |
| 2018 | $766 | $51,570 | $5,157 |
| 2017 | $766 | $51,570 | $5,157 |
| 2016 | $741 | $51,570 | $5,157 |
| 2015 | $698 | $50,420 | $5,042 |
| 2014 | $697 | $50,420 | $5,042 |
| 2013 | $672 | $50,420 | $5,042 |
| 2012 | $672 | $50,420 | $5,042 |
| 2011 | $659 | $50,410 | $5,041 |
| 2010 | $654 | $50,410 | $5,041 |
| 2009 | $654 | $50,410 | $5,041 |
| 2008 | $654 | $32,480 | $3,248 |
| 2007 | $427 | $32,480 | $3,248 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1994-10-26 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-07-25 | Listed for rent | $1,000 | — |
Photo Gallery
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],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3518.01,
"property_management_monthly": 115.4,
"monthly_cash_flow_after_debt": 293.17,
"cash_on_cash_return_after_debt": 0.16
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed, 1-bath single-family appears structurally sound and mostly cosmetically finished; it is likely rentable after a short list of safety and minor repairs. Primary inspection risks are missing/uncertain smoke and CO detectors, probable missing kitchen GFCI protection, and exposed wiring under the kitchen counter. Fixing those electrical/safety items plus a few cosmetic repairs (cabinet door/trim, ceiling fan replacement, touch-up floors) should bring the unit into NSPIRE compliance. With those repairs the property should pass an initial Housing Choice Voucher inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Interior appears generally intact with recently refinished-looking hardwoods (some stain/wear areas), painted walls, intact doors and trim. Kitchen cabinetry is older and one lower cabinet/under-counter area is missing a door or facing; ceiling fan blades are damaged/peeling. Tile and flooring in kitchen look serviceable. Minor-to-moderate cosmetic repairs and a few finish carpentry items needed, but no visible collapsed or structurally failing elements. Missing small trim/doors and worn finishes reduce score moderately; presence of a working range is positive."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 45.0,
"rationale": "Several safety items are not confirmed or appear deficient from photos: no visible smoke detectors or carbon monoxide alarms, no visible GFCI-protected receptacle in the kitchen near the sink, and exposed wiring/cables under the kitchen counter area (potential electrical hazard). Entry door appears to have a secure lock and bedroom windows appear to provide egress. No visible active water stains or ceiling sagging. Because smoke/CO detectors and kitchen GFCI are commonly required and exposed wiring is a direct safety hazard, there is a moderate risk of inspection failure until those are corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Roof and exterior appear intact from the single exterior photo (no visible sagging or active leaks). A ceiling supply vent is visible suggesting central HVAC ducting present, but no HVAC equipment, thermostat/readiness, water heater, or main electrical panel is shown. The stove and sink are present; plumbing fixtures appear intact in kitchen with no visible leaks. Exposed wiring under kitchen counter and unknown condition of electrical panel reduce the systems score to moderate — likely functional but requires verification and minor electrical work."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Front yard and siding look maintained; foundation appears level with no visible major cracks or settlement in photos. Walkway and steps to entry are present and yard grading looks typical with no visible standing water. Some small landscaping overgrowth but nothing that indicates immediate safety hazard or repair-intensive neglect."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Exposed wiring beneath the kitchen counter (electrical hazard).",
"No visible smoke detectors or carbon monoxide alarms (inspection-fail risk).",
"No visible GFCI outlet in kitchen (likely required near sink)."
],
"confidence": 0.75,
"assumptions": [
"No smoke detectors or CO alarms exist in the unit because none are visible in the provided photos; none were called out in listing text (N/A).",
"Central HVAC is assumed present because a ceiling supply/return vent is visible; functionality is not verified.",
"Water heater and electrical service are present but not photographed; assumed functional unless inspection finds otherwise.",
"Bedrooms have adequate egress via the visible windows; window sizes and operation are assumed acceptable for egress.",
"Kitchen stove is gas or electric and appears usable; refrigerator is not pictured and may not be provided by owner.",
"No visible active roof leaks or major foundation movement from available photos; interior ceilings show no staining or sagging.",
"Exposed wires under kitchen counter are assumed to be live/unfinished and represent an electrical hazard requiring correction."
],
"overall_score": 70.0,
"rubric_version": "2026-02-16_v1"
},
{
"summary": "Overall the property appears in generally good, mostly cosmetic condition and would likely be rentable with minor repairs and verification of systems. Main concerns for an initial Section 8/NSPIRE inspection are exposed/loose wiring beneath the kitchen counter and lack of visible smoke/CO detectors and GFCI protection; these are correctable within days. Mechanical systems (HVAC, water heater, electrical panel) are not shown and should be verified operational prior to leasing. Expect a likely pass after addressing electrical safety and installing/confirming detectors — approximately 7–30 days of prep work depending on contractor scheduling.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show generally intact, recently refinished hardwood floors with localized wear/staining. Walls and trim appear painted and in good condition. Kitchen cabinets and countertops are aged with visible wear; one lower cabinet/side shelf area is open/missing and shows loose cables. Ceiling fans present but blades show peeling paint. A gas/electric range is present; no refrigerator is pictured. Overall items are cosmetic and small repairs (cabinet repairs, replace/secure trim, cap exposed wiring, replace peeling fan blades, supply a refrigerator) — no evidence of major structural failure. Missing refrigerator reduces score moderately but not critically."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the provided photos; absence on photos creates an NSPIRE risk (smoke detectors required). There is exposed/loose wiring under the kitchen counter which is an electrical hazard and could fail inspection. Entry door shows a deadbolt/knob and an exterior security/storm door (good). No obvious roof leaks, ceiling sagging, or trip hazards are visible. GFCI protection in kitchen/bath not visible. Windows appear to provide egress for bedrooms but bathrooms are not shown. Because of the exposed wiring and missing/undocumented detectors, this property has moderate risk of failing a first inspection without corrections."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Ceiling supply vent visible in kitchen indicates central HVAC ducting and likely a forced-air system is present; operability not confirmed but presence reduces risk. Stove/oven is present and appears functional. Water heater, main electrical panel and HVAC equipment are not shown; a covered service panel/cover is visible in the hallway (suggests utilities present). No visible active leaks or water intrusion in ceiling or around windows. Given the age (1958) there is moderate uncertainty about system condition but nothing in the images indicates immediate catastrophic failure; recommended verification of HVAC operation, water heater, and electrical panel/grounding prior to tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Street-facing photo shows an intact roofline and siding in fair condition; front steps and small stoop appear serviceable. Front yard is maintained but has leaf litter; no standing water or major erosion visible. Window security bars are present on lower windows which can be good for safety but must not block egress — windows appear to still provide egress but should be checked for operability. No obvious foundation cracking or exterior structural sagging visible in 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": [
"Exposed electrical wiring under kitchen counter — electrical hazard (may cause inspection failure).",
"No visible smoke detectors or carbon monoxide detector in photos — NSPIRE requirement and likely inspection fail until installed.",
"Peeling paint on ceiling fan blades — potential lead-risk paint issue (home built 1958)."
],
"confidence": 0.7,
"assumptions": [
"HVAC exists and is centrally ducted (inferred from visible ceiling vent) but operability has not been tested.",
"Water heater and main electrical panel are present on property though not pictured; panel access appears to be behind the covered wall plate in the hallway.",
"Bathroom(s) are functional but not photographed; plumbing fixtures and hot water are assumed to be present but should be verified.",
"No active roof leaks or major foundation movement exist; none are visible in the interior or exterior photos.",
"No refrigerator is present (not pictured) and will need to be supplied for tenancy.",
"Windows are assumed to provide required egress for bedrooms based on typical layout and visible window sizes; confirm operable sash clearance on inspection.",
"Peeling paint on ceiling fan blades is the only observed paint degradation; walls and trim appear intact but property was built in 1958 so lead paint risk exists and must be managed per local rules if disturbed."
],
"overall_score": 68.0,
"rubric_version": "nsPIRE-v1-2026-02"
},
{
"summary": "This 3BR/1BA 1958 single-family home appears structurally sound and cosmetically serviceable — likely rentable with mostly minor repairs. Primary inspection risks are missing/undemonstrated smoke and CO detectors, exposed wiring in the kitchen, and lack of visible GFCI protection; a refrigerator is not shown. With correction of the electrical/wiring issues, installation of required detectors and kitchen GFCI, and a few cosmetic/cabinet repairs, the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior is largely cosmetic: hardwood floors present but worn and unevenly finished in places, walls freshly painted, dated kitchen cabinets with missing shelf/trim under counter, one stove present but no refrigerator shown. Ceiling fans are old and cosmetically damaged but appear functional. No visible collapsed ceilings, major water damage, or extensive mold. Missing refrigerator and some cabinet work lower the score but are reparable."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 45.0,
"rationale": "Multiple inspection-risk items visible or not observable: no smoke detectors visible in photographed rooms (likely fail unless present elsewhere), no carbon monoxide detector visible (required with gas appliances), exposed wiring/cables visible in open kitchen cabinet area, no visible GFCI near kitchen sink, but entry door has a deadbolt and windows/egress appear typical. No active roof leaks, major foundation cracks, or collapsed ceilings seen. Overall safety compliance risk is moderate-high until detectors and wiring/GFCI issues are corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Ceiling supply vent visible (suggesting central HVAC), but mechanical equipment not photographed so operational status is assumed. Kitchen sink and range are present; gas range visible (implies gas line). No water staining or visible plumbing leaks. Roof visible from front looks intact and not sagging. Electrical panel cover appears present on hallway wall, but the exposed wiring under kitchen cabinets is a concern. Given limited visibility of systems, assume functionality but with moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding and roof appear intact in the single front photo. Yard is maintained though some leaf litter is present. Front steps exist with a security door/iron grill; no visible severe foundation settlement, standing water, or collapsed walkways. No visible evidence of infestation. Small front step appears to lack a handrail, but that may not be required depending on riser height."
},
{
"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": [
"Exposed wiring/cables visible in open kitchen cabinet (electrical hazard).",
"No visible smoke detectors inside photographed rooms (likely NSPIRE failure).",
"No visible carbon monoxide detector (required with gas stove).",
"No visible GFCI-protected outlet at kitchen counter/sink area (NSPIRE/GFCI requirement).",
"Damaged/aged ceiling fan blades (potential electrical/physical hazard)."
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or carbon monoxide detector are present in the home because none are visible in photos.",
"The visible stove is a gas range (based on appearance); therefore a CO detector would be required near sleeping areas.",
"Central HVAC is present and operational (supply vent visible) but equipment functionality was not confirmed in photos.",
"Water heater and main plumbing fixtures are present and functional though not photographed.",
"Electrical panel exists behind the hallway covered box seen in the photos and is intact; full panel access/function not confirmed.",
"Front entry has at least one small step; handrail may not be required depending on riser count, but none is visible.",
"Refrigerator was not photographed and is assumed missing from the unit as shown."
],
"overall_score": 68.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "333 Reed Ave, Jackson, MS, 39206",
"aggregate": {
"summary": "This 3-bed, 1-bath single-family appears structurally sound and mostly cosmetically finished; it is likely rentable after a short list of safety and minor repairs. Primary inspection risks are missing/uncertain smoke and CO detectors, probable missing kitchen GFCI protection, and exposed wiring under the kitchen counter. Fixing those electrical/safety items plus a few cosmetic repairs (cabinet door/trim, ceiling fan replacement, touch-up floors) should bring the unit into NSPIRE compliance. With those repairs the property should pass an initial Housing Choice Voucher inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 72.7,
"rationale": "Interior appears generally intact with recently refinished-looking hardwoods (some stain/wear areas), painted walls, intact doors and trim. Kitchen cabinetry is older and one lower cabinet/under-counter area is missing a door or facing; ceiling fan blades are damaged/peeling. Tile and flooring in kitchen look serviceable. Minor-to-moderate cosmetic repairs and a few finish carpentry items needed, but no visible collapsed or structurally failing elements. Missing small trim/doors and worn finishes reduce score moderately; presence of a working range is positive."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 76.7,
"rationale": "Front yard and siding look maintained; foundation appears level with no visible major cracks or settlement in photos. Walkway and steps to entry are present and yard grading looks typical with no visible standing water. Some small landscaping overgrowth but nothing that indicates immediate safety hazard or repair-intensive neglect."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 48.3,
"rationale": "Several safety items are not confirmed or appear deficient from photos: no visible smoke detectors or carbon monoxide alarms, no visible GFCI-protected receptacle in the kitchen near the sink, and exposed wiring/cables under the kitchen counter area (potential electrical hazard). Entry door appears to have a secure lock and bedroom windows appear to provide egress. No visible active water stains or ceiling sagging. Because smoke/CO detectors and kitchen GFCI are commonly required and exposed wiring is a direct safety hazard, there is a moderate risk of inspection failure until those are corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 63.3,
"rationale": "Roof and exterior appear intact from the single exterior photo (no visible sagging or active leaks). A ceiling supply vent is visible suggesting central HVAC ducting present, but no HVAC equipment, thermostat/readiness, water heater, or main electrical panel is shown. The stove and sink are present; plumbing fixtures appear intact in kitchen with no visible leaks. Exposed wiring under kitchen counter and unknown condition of electrical panel reduce the systems score to moderate — likely functional but requires verification and minor electrical work."
}
],
"red_flags": [
"Exposed wiring beneath the kitchen counter (electrical hazard).",
"No visible smoke detectors or carbon monoxide alarms (inspection-fail risk).",
"No visible GFCI outlet in kitchen (likely required near sink)."
],
"confidence": 0.95,
"assumptions": [
"No smoke detectors or CO alarms exist in the unit because none are visible in the provided photos; none were called out in listing text (N/A).",
"Central HVAC is assumed present because a ceiling supply/return vent is visible; functionality is not verified.",
"Water heater and electrical service are present but not photographed; assumed functional unless inspection finds otherwise.",
"Bedrooms have adequate egress via the visible windows; window sizes and operation are assumed acceptable for egress.",
"Kitchen stove is gas or electric and appears usable; refrigerator is not pictured and may not be provided by owner.",
"No visible active roof leaks or major foundation movement from available photos; interior ceilings show no staining or sagging.",
"Exposed wires under kitchen counter are assumed to be live/unfinished and represent an electrical hazard requiring correction."
],
"score_method": "mean_of_criteria",
"overall_score": 64.9,
"rubric_version": "2026-02-16_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7648747757"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.