Property ID: 7663263285
2732 Teresa Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $10,200
CoC Return: 92.27%
Monthly Cash Flow: $784
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$8,500
Closing Costs
$1,700
Total Down
$10,200
Investment Snapshot
Purchase Price
$42,500
Money Down
$10,200
Cash-on-Cash Return
92.27%
Rent
$1,245
Monthly Cash Flow
$784
Annual Cash Flow
$9,411
Debt Service / Mo
$226
Property Tax / Mo
$78
Insurance / Mo
$32
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,245
Payment Standard
$1,620
Rent
$1,245
Insurance
$32
Property Tax
$78
Management
$124
Utilities Allowance
$375
NOI (Monthly)
$1,010
Debt Service
$226
Cash Flow After Debt
$784
Quality Score: 66.90%
Confidence: 94.00%
Overall the property appears cosmetically updated and generally serviceable for rental use, with appliances and finished flooring present. The main inspection risks are items that cannot be verified from photos: functioning/properly-located smoke and CO detectors, presence/operation of HVAC and water heater, GFCI protection in kitchen/bath, and the electrical panel. Exterior and interior show no visible structural or life-safety failures. With targeted verification and installation of detectors/GFCI where needed, this property is likely to become Section 8/NSPIRE-compliant within 1–4 weeks of work (depending on mechanical verifications and any corrective work required by the inspecting authority).
Section 8 Payment Standard
$1,620
Utility Allowance Total
$375
Guaranteed Section 8 Rent (PS - Utilities)
$1,245
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$42,500
Beds
3
Baths
1
Living Area
1,250 sqft
Lot Size
10,019 sqft
Year Built
1958
Days on Market
28
Capital Outlay
$10,200
Debt Service
$226
Property Tax / Mo
$78
Insurance / Mo
$32
Property Description
Investor opportunity with strong potential to enhance your portfolio. Select upgrades and improvements have already been completed. Property is priced accordingly and offered As-Is; seller will make no repairs. Opportunities like this move quickly-submit your offer before it's gone.
Utility Allowances
Air Conditioning
$12
Selected based on the 3-bedroom value for a single-family home. Assumed to be a standard tenant-paid utility despite property data listing 'Cooling: None'.
Cooking
$11
Selected 'Electric' option based on property photos showing an electric stove and the presence of an electric water heater, suggesting an all-electric setup. The allowance is for a 3-bedroom unit.
Heating
$50
Selected 'Electric' as the most likely and more expensive option, consistent with other electric appliances. Property data lists 'Heating: None', which is assumed to be incorrect for the region. The allowance is for a 3-bedroom unit.
Other Electric
$69
This is a standard fixed allowance for general electric use, based on the 3-bedroom value.
Range/Microwave
$3
A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned appliance. Allowance is for a 3-bedroom unit.
Refrigerator
$0
The property information's appliance list includes a refrigerator, so it is landlord-provided. The tenant allowance is $0.
Sewer
$60
The property is connected to a 'Public Sewer' system as stated in the property details. Allowance is based on the 3-bedroom value.
Trash Collection
$37
This is a standard fixed allowance for municipal trash service in a single-family home, based on the 3-bedroom value.
Water
$104
The property uses a 'Public' water source as stated in the property details. Allowance is based on the 3-bedroom value.
Water Heating
$29
Selected 'Electric' option as the property data explicitly lists an 'Electric Water Heater'. 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$349
DP3 Annual Estimate$425
DP1 Monthly Equivalent$29
DP3 Monthly Equivalent$35
Replacement Value$21,250
Basis1,250 sqft / 1958
Nearby Houses
Photo unavailable
2740 Teresa Dr
sold · 0.02 mi
Price: $33,500
3 bd / 1 ba · 1,068 sqft
Latest sale: — on Mar 20, 2025
Latest rent: $995 on Sep 12, 2025
Photo unavailable
2725 Teresa Dr
sold · 0.04 mi
Price: $65,000
3 bd / 2 ba · 1,032 sqft
Latest sale: — on Jun 29, 2023
Latest rent: $1,100 on Oct 26, 2023
Photo unavailable
2709 Revere St
sold · 0.06 mi
Price: $49,900
3 bd / 2 ba · 1,252 sqft
Latest sale: — on May 20, 2022
Latest rent: $775 on Apr 23, 2019
Photo unavailable
2718 Charleston Dr
sold · 0.06 mi
Price: $50,000
3 bd / 2 ba · 1,383 sqft
Latest sale: — on Dec 28, 2022
Latest rent: —
Photo unavailable
2804 Revere St
sold · 0.06 mi
Price: $55,000
4 bd / 2 ba · 1,484 sqft
Latest sale: — on Aug 08, 2025
Latest rent: —
Photo unavailable
2814 Charleston Dr
sold · 0.07 mi
Price: $29,000
5 bd / 2 ba · 1,548 sqft
Latest sale: — on Aug 08, 2023
Latest rent: —
Photo unavailable
2701 Revere St
sold · 0.07 mi
Price: $1,500
— bd / — ba
Latest sale: — on Dec 10, 2025
Latest rent: —
Photo unavailable
2831 Revere St
sold · 0.08 mi
Price: $27,900
3 bd / 2 ba · 1,381 sqft
Latest sale: — on Mar 01, 2022
Latest rent: —
Photo unavailable
2820 Revere St
off_market · 0.08 mi
Price: $89,000
3 bd / 1 ba · 1,198 sqft
Latest sale: —
Latest rent: $750 on May 21, 2015
Photo unavailable
2835 Teresa Dr
sold · 0.09 mi
Price: $43,900
3 bd / 1 ba · 1,336 sqft
Latest sale: — on Aug 19, 2022
Latest rent: $950 on Oct 11, 2025
Photo unavailable
2815 Tara Rd
for_sale · 0.09 mi
Price: $54,900
3 bd / 2 ba · 1,376 sqft
Latest sale: — on Mar 26, 2013
Latest rent: $850 on Feb 12, 2024
Photo unavailable
2646 Revere St
for_sale · 0.11 mi
Price: $44,500
3 bd / 1 ba · 1,360 sqft
Latest sale: —
Latest rent: $900 on Nov 10, 2025
Risk and Criteria Detail
Red Flags
- success
- No clearly visible, verifiable smoke detectors in required locations (hallway/bedrooms) - likely required fix.
- No visible HVAC equipment (heating/cooling) in photos — absence or inoperability would be a serious inspection fail.
- GFCI protection in kitchen and bathroom not verifiable from photos.
- Seller is offering the property 'As-Is' and will make no repairs — any inspection failures will be owner responsibility to fix.
Assumptions
- Kitchen appliances shown (range and refrigerator) are operational or repairable; electric range is assumed (no gas appliances visible).
- No active roof leaks or major hidden water intrusion exist since ceilings show no staining or sagging in photos.
- Windows shown are operable and provide required egress for bedrooms.
- Electrical panel, water heater and HVAC exist on-site but were not photographed; their condition is unknown.
- Entry door has at least a latch and likely a deadbolt, but deadbolt function is unconfirmed.
- Listing 'As-Is' means seller will not remedy inspection items — landlord/owner will be responsible for any repairs required for voucher inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $906 | $31,250 | $4,688 |
| 2023 | $901 | $31,250 | $4,688 |
| 2021 | $902 | $31,250 | $4,688 |
| 2020 | $929 | $32,400 | $4,860 |
| 2019 | $930 | $32,400 | $4,860 |
| 2018 | $920 | $32,400 | $4,860 |
| 2017 | $920 | $32,400 | $4,860 |
| 2016 | $896 | $32,400 | $4,860 |
| 2015 | $842 | $31,370 | $4,706 |
| 2014 | $841 | $31,370 | $4,706 |
| 2013 | $818 | $31,370 | $4,706 |
| 2012 | $818 | $31,370 | $4,706 |
| 2011 | $805 | $31,350 | $4,703 |
| 2010 | $801 | $31,350 | $4,703 |
| 2009 | $801 | $31,350 | $4,703 |
| 2008 | $801 | $25,380 | $3,807 |
| 2007 | $655 | $25,380 | $3,807 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-04-02 | Sold | — |
| 2024-05-06 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-02-13 | Listed for rent | $750 | — |
| 2026-01-21 | Listed for rent | $750 | — |
| 2025-12-30 | Listed for rent | $750 | — |
| 2025-07-14 | Listed for rent | $750 | — |
| 2025-05-08 | Listed for rent | $1,050 | — |
Photo Gallery
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"https://ap.rdcpix.com/fba1f4a8242a2dcdacb92597e0c4beafl-m1632958777s-w1280.jpg",
"https://ap.rdcpix.com/fba1f4a8242a2dcdacb92597e0c4beafl-m3641526848s-w1280.jpg",
"https://ap.rdcpix.com/fba1f4a8242a2dcdacb92597e0c4beafl-m3309968778s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 32.25,
"monthly_cash_flow": 1010.48,
"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": "Selected based on the 3-bedroom value for a single-family home. Assumed to be a standard tenant-paid utility despite property data listing 'Cooling: None'.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected 'Electric' option based on property photos showing an electric stove and the presence of an electric water heater, suggesting an all-electric setup. The allowance is for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'Electric' as the most likely and more expensive option, consistent with other electric appliances. Property data lists 'Heating: None', which is assumed to be incorrect for the region. The allowance is for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 50
},
{
"note": "This is a standard fixed allowance for general electric use, based on the 3-bedroom value.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned appliance. Allowance is for a 3-bedroom unit.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property information's appliance list includes a refrigerator, so it is landlord-provided. The tenant allowance is $0.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property is connected to a 'Public Sewer' system as stated in the property details. Allowance is based on the 3-bedroom value.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "This is a standard fixed allowance for municipal trash service in a single-family home, based on the 3-bedroom value.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property uses a 'Public' water source as stated in the property details. Allowance is based on the 3-bedroom value.",
"utility": "Water",
"allowance": 104
},
{
"note": "Selected 'Electric' option as the property data explicitly lists an 'Electric Water Heater'. The allowance is for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 1.43,
"down_payment_amount": 8500.0,
"property_tax_annual": 933.18,
"property_tax_monthly": 77.77,
"property_tax_increase": 0.03,
"utility_allowance_total": 375.0,
"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": 9411.39,
"property_management_monthly": 124.5,
"monthly_cash_flow_after_debt": 784.28,
"cash_on_cash_return_after_debt": 1.11
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears cosmetically updated and generally serviceable for rental use, with appliances and finished flooring present. The main inspection risks are items that cannot be verified from photos: functioning/properly-located smoke and CO detectors, presence/operation of HVAC and water heater, GFCI protection in kitchen/bath, and the electrical panel. Exterior and interior show no visible structural or life-safety failures. With targeted verification and installation of detectors/GFCI where needed, this property is likely to become Section 8/NSPIRE-compliant within 1–4 weeks of work (depending on mechanical verifications and any corrective work required by the inspecting authority).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic work (paint, new-looking vinyl plank in bedrooms, tile in main area) and functioning kitchen appliances present (stove, refrigerator). Flooring and trim appear intact with only minor scuffs and wear visible. No major interior finish damage or collapsed surfaces observed. Missing minor items (possible missing outlet cover(s) not evident) and some cosmetic touch-ups likely. Seller listing is 'As-Is' which means repairs won't be provided, but visible condition is mostly good so this is a moderate-positive score."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risks",
"score": 60.0,
"rationale": "No exposed wiring or obvious trip hazards were observed. Bedrooms have windows that appear adequate for egress. However, smoke detectors and CO alarms are not clearly visible in most photos (one small round device is visible in a hallway/bedroom area but not verifiable as a working, properly-located smoke alarm). GFCI outlets in kitchen/bath are not visible/verified. Entry door appears secure but deadbolt is not confirmed. No visible active water intrusion, mold, or sagging ceilings. Because critical safety items (smoke/CO detectors, GFCI) cannot be confirmed from photos, this creates a measurable NSPIRE risk that will likely require correction prior to pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 55.0,
"rationale": "Kitchen appliances (electric range, refrigerator) are present and plumbing fixtures (toilet, sink, tub/shower) appear installed and in decent visual condition. Roofline looks straight from the exterior photo with no visible deep sagging or missing roof sections. However, no HVAC equipment (furnace/air-handler/outside condenser) or water heater/electrical panel is shown in any photo; condition and presence of heating/cooling and water heater are unverified. Because missing/unknown major systems are a common inspection failure point, a conservative moderate score is assigned pending mechanical verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior shows a single-story home with carport and concrete driveway in fair condition (small cracks). Siding/paint appear intact and yard is functional though needs basic clean-up (leaf debris). No standing water, visible foundation displacement, major siding failure, or infestation evidence shown. Walkway and entry appear usable. Overall exterior condition suggests low-to-moderate remediation needs (landscaping, minor concrete patching) rather than structural repair."
},
{
"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, verifiable smoke detectors in required locations (hallway/bedrooms) - likely required fix.",
"No visible HVAC equipment (heating/cooling) in photos — absence or inoperability would be a serious inspection fail.",
"GFCI protection in kitchen and bathroom not verifiable from photos.",
"Seller is offering the property 'As-Is' and will make no repairs — any inspection failures will be owner responsibility to fix."
],
"confidence": 0.55,
"assumptions": [
"Kitchen appliances shown (range and refrigerator) are operational or repairable; electric range is assumed (no gas appliances visible).",
"No active roof leaks or major hidden water intrusion exist since ceilings show no staining or sagging in photos.",
"Windows shown are operable and provide required egress for bedrooms.",
"Electrical panel, water heater and HVAC exist on-site but were not photographed; their condition is unknown.",
"Entry door has at least a latch and likely a deadbolt, but deadbolt function is unconfirmed.",
"Listing 'As-Is' means seller will not remedy inspection items — landlord/owner will be responsible for any repairs required for voucher inspection."
],
"overall_score": 70.0,
"rubric_version": "ns-pire-2026-v1"
},
{
"summary": "Overall the property appears in fair to good cosmetic condition with appliances and basic fixtures in place; many items are turnkey or require only minor repairs. Major unknowns are mechanical systems (no heating/air equipment, water heater, or electrical panel shown) and code items that cannot be verified from photos (smoke/CO detectors, GFCI outlets, egress window dimensions). With a short verification and small safety fixes (install/confirm detectors, GFCI, deadbolt) this property is likely rentable and able to pass an initial HCV/NSPIRE inspection within 2–4 weeks; if a hidden mechanical deficiency is discovered (HVAC, water heater, electrical) repair time could extend. Rental history is positive, which supports quick placement.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted and floors (tile in common areas, plank in bedrooms) are in serviceable condition. Kitchen has existing stove and refrigerator; bathroom fixtures (tub, toilet, pedestal sink) are installed and appear new-ish. Minor cosmetic issues visible (scuffs, touch-up paint, grout/wear on floor tile). No visible collapsed ceilings, major drywall damage, or exposed subfloor. Missing or worn finishes are mostly cosmetic and achievable with light rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No exposed wiring or obvious water intrusion seen. A round detector device is visible in one bedroom/hall photo (likely a smoke detector) but placement and number of smoke detectors, carbon monoxide alarm, and GFCI protection at kitchen/bath are not verifiable from photos. Bedroom windows are present for egress but exact dimensions and compliance cannot be confirmed. Entry door shown but deadbolt not visible. Overall moderate risk: likely passable with a short punch-list (add/confirm smoke/CO detectors, install/confirm GFCI outlets, fit deadbolt) but these are required for NSPIRE compliance."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 55.0,
"rationale": "Roof and exterior appear intact from front elevation with no obvious sagging or missing shingles. Plumbing fixtures appear installed and functional. However, no visible heating system (no furnace, air handler, or obvious supply/return registers) and no water heater or electrical panel are shown — these are unknown and therefore constitute inspection risk. Appliances (stove, refrigerator) are present but age/operation not verified. Because major systems are not documented in photos, there is moderate mechanical risk until verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Front yard and carport are serviceable; siding/painted exterior looks in fair condition. Driveway shows some cracking but is functional. No visible standing water, significant foundation displacement, or exterior structural damage in provided images. Yard needs basic cleanup (leaves) but no evidence of major neglect or infestation 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": [
"No visible central heating/air handler, furnace, or supply registers in photos — needs verification (major inspection risk).",
"Presence, placement and functionality of smoke and carbon monoxide detectors unconfirmed — must be confirmed/installed prior to inspection.",
"GFCI protection for kitchen and bathroom outlets not visible/verified — likely required.",
"Egress window dimensions for bedrooms not confirmed from photos — may require measurement to verify compliance.",
"Electrical panel, water heater, and HVAC condition not shown and therefore unverified (potential major-systems risk)."
],
"confidence": 0.7,
"assumptions": [
"Photos represent the whole property condition and are current (listing date reflective of present condition).",
"Stove and refrigerator shown are present on-site and functional or repairable without major system work.",
"Bathroom and kitchen plumbing are operational (no visible leaks) though not run-tested in photos.",
"Bedrooms have at least one operable window each; egress window sizes are assumed typical for the era unless inspection indicates otherwise.",
"A smoke detector is present (one round device visible) but number/placement and CO detector are unconfirmed and assumed to need verification; install/replace as needed.",
"Roof is assumed watertight from visible areas; no active leaks evident in interior photos.",
"Electrical panel and HVAC units exist but were not photographed; absence in photos introduces inspection risk and may require verification/access for a pass.",
"No visible mold or severe water damage in supplied photos; hidden issues are possible but not evidenced."
],
"overall_score": 72.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "Overall the property appears to be in fair-to-good cosmetic condition and is likely rent-ready with minor repairs and verification of key safety/system items. Primary concerns that require confirmation before a Section 8/HCV initial inspection are functioning heating/HVAC, verified smoke and (if required) CO detector coverage and placement, GFCI protection in kitchen/bath, and a secure entry lock. If those items are present and working, the home should pass with a short punch-list; if heating or detectors are missing, those would create inspection failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Interior photos show recent cosmetic work: painted walls, new-looking vinyl plank flooring in bedrooms and tile in common area, intact baseboards, functioning fixtures (ceiling fans, lights). Kitchen and bathroom appear fitted and include stove and refrigerator. No major cosmetic damage, peeling paint, or visible subfloor. Minor touch-ups likely (paint scuffs, floor transitions) but no large capital repairs evident. Seller states 'As-Is' which may require budgeted cosmetic punch-list but not structural overhaul."
},
{
"key": "safety_code",
"label": "Safety and code risk (NSPIRE focused)",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no exposed wiring). Bedrooms have windows (egress likely but not measured). A round alarm-like device is visible in one interior photo but smoke/carbon-monoxide detector coverage and placement (in each bedroom and hallways) are not confirmed. Deadbolt on entry door not clearly visible. GFCI presence in kitchen/bath not confirmed in photos. No visible mold or severe water stains on ceilings. Because critical items (smoke/CO detectors, GFCI, verified egress dimensions, and secure deadbolt) cannot be confirmed from photos, moderate risk remains."
},
{
"key": "systems_mechanical",
"label": "Major building systems (HVAC, electrical, plumbing, roof)",
"score": 55.0,
"rationale": "Plumbing fixtures (toilet, pedestal sink, tub/shower) appear installed and in good cosmetic condition. Electric stove and refrigerator present. No heating or central HVAC equipment, vents, or thermostat are visible in the photos — absence of a visible heating system is a potential NSPIRE fail unless operational heating is present but unseen. Electrical panel, water heater, and roof system are not shown; however ceilings show no visible leak staining and roofline appears straight from exterior photo. Because heating/HVAC and major system verification are unconfirmed, there is moderate systems risk and likely need for inspection/repairs."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Exterior photo shows an intact roofline with no visible sagging, siding/paint in reasonable condition, functional driveway and carport. Yard has leaves and needs basic clean-up but no visible drainage pooling or major grading problems. Walkway and steps not shown in detail but no broken/unsafe stairs visible. Overall exterior and site show cosmetic deferred maintenance rather than structural failure."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (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 visible heating system or HVAC equipment shown in photos — potential NSPIRE fail if heating is missing or non-functional.",
"Smoke and carbon-monoxide detector coverage and placement are not confirmed in photos — lack of required detectors would be an inspection failure.",
"Seller offering property 'As-Is' and refusing repairs increases risk of unresolved inspection items at time of tenant move-in."
],
"confidence": 0.6,
"assumptions": [
"Photos accurately represent the current condition and no major undisclosed damage exists off-camera.",
"Windows shown provide required bedroom egress dimensions (not measured in photos).",
"Hot water is available via a water heater not shown in photos; presence not confirmed.",
"Electrical panel and wiring are intact and not presenting visible hazards (panel not shown).",
"Kitchen appliances shown (stove, refrigerator) are operational or will be made operational prior to inspection; missing/ non-operational appliances would be a moderate deduction but are not a safety failure by themselves.",
"Ceilings and roof have no active leaks (no visible stains); roof is assumed serviceable from exterior photo.",
"No evidence of severe pest infestation or lead-hazard peeling paint visible in photos."
],
"overall_score": 69.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2732 Teresa Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Overall the property appears cosmetically updated and generally serviceable for rental use, with appliances and finished flooring present. The main inspection risks are items that cannot be verified from photos: functioning/properly-located smoke and CO detectors, presence/operation of HVAC and water heater, GFCI protection in kitchen/bath, and the electrical panel. Exterior and interior show no visible structural or life-safety failures. With targeted verification and installation of detectors/GFCI where needed, this property is likely to become Section 8/NSPIRE-compliant within 1–4 weeks of work (depending on mechanical verifications and any corrective work required by the inspecting authority).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 76.0,
"rationale": "Interior photos show recent cosmetic work (paint, new-looking vinyl plank in bedrooms, tile in main area) and functioning kitchen appliances present (stove, refrigerator). Flooring and trim appear intact with only minor scuffs and wear visible. No major interior finish damage or collapsed surfaces observed. Missing minor items (possible missing outlet cover(s) not evident) and some cosmetic touch-ups likely. Seller listing is 'As-Is' which means repairs won't be provided, but visible condition is mostly good so this is a moderate-positive score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 71.7,
"rationale": "Exterior shows a single-story home with carport and concrete driveway in fair condition (small cracks). Siding/paint appear intact and yard is functional though needs basic clean-up (leaf debris). No standing water, visible foundation displacement, major siding failure, or infestation evidence shown. Walkway and entry appear usable. Overall exterior condition suggests low-to-moderate remediation needs (landscaping, minor concrete patching) rather than structural repair."
},
{
"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."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risks",
"score": 63.3,
"rationale": "No exposed wiring or obvious trip hazards were observed. Bedrooms have windows that appear adequate for egress. However, smoke detectors and CO alarms are not clearly visible in most photos (one small round device is visible in a hallway/bedroom area but not verifiable as a working, properly-located smoke alarm). GFCI outlets in kitchen/bath are not visible/verified. Entry door appears secure but deadbolt is not confirmed. No visible active water intrusion, mold, or sagging ceilings. Because critical safety items (smoke/CO detectors, GFCI) cannot be confirmed from photos, this creates a measurable NSPIRE risk that will likely require correction prior to pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 55.0,
"rationale": "Kitchen appliances (electric range, refrigerator) are present and plumbing fixtures (toilet, sink, tub/shower) appear installed and in decent visual condition. Roofline looks straight from the exterior photo with no visible deep sagging or missing roof sections. However, no HVAC equipment (furnace/air-handler/outside condenser) or water heater/electrical panel is shown in any photo; condition and presence of heating/cooling and water heater are unverified. Because missing/unknown major systems are a common inspection failure point, a conservative moderate score is assigned pending mechanical verification."
}
],
"red_flags": [
"No clearly visible, verifiable smoke detectors in required locations (hallway/bedrooms) - likely required fix.",
"No visible HVAC equipment (heating/cooling) in photos — absence or inoperability would be a serious inspection fail.",
"GFCI protection in kitchen and bathroom not verifiable from photos.",
"Seller is offering the property 'As-Is' and will make no repairs — any inspection failures will be owner responsibility to fix."
],
"confidence": 0.94,
"assumptions": [
"Kitchen appliances shown (range and refrigerator) are operational or repairable; electric range is assumed (no gas appliances visible).",
"No active roof leaks or major hidden water intrusion exist since ceilings show no staining or sagging in photos.",
"Windows shown are operable and provide required egress for bedrooms.",
"Electrical panel, water heater and HVAC exist on-site but were not photographed; their condition is unknown.",
"Entry door has at least a latch and likely a deadbolt, but deadbolt function is unconfirmed.",
"Listing 'As-Is' means seller will not remedy inspection items — landlord/owner will be responsible for any repairs required for voucher inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 66.9,
"rubric_version": "ns-pire-2026-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7663263285"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.