Property ID: 7682961225
310 Bounds St, Jackson, MS, 39206
Jackson, MS
Money Down: $30,960
CoC Return: 10.74%
Monthly Cash Flow: $277
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,800
Closing Costs
$5,160
Total Down
$30,960
Investment Snapshot
Purchase Price
$129,000
Money Down
$30,960
Cash-on-Cash Return
10.74%
Rent
$1,194
Monthly Cash Flow
$277
Annual Cash Flow
$3,325
Debt Service / Mo
$687
Property Tax / Mo
$73
Insurance / Mo
$38
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,194
Payment Standard
$1,530
Rent
$1,194
Insurance
$38
Property Tax
$73
Management
$119
Utilities Allowance
$336
NOI (Monthly)
$964
Debt Service
$687
Cash Flow After Debt
$277
Quality Score: 76.40%
Confidence: 95.00%
Overall this single‑family home appears rent-ready with only minor repairs and verifications required to meet a typical initial Housing Choice Voucher (NSPIRE) inspection. The unit shows good cosmetic condition, functioning appliances, central HVAC vents present, and a sound exterior/yard. Primary inspection items to verify and likely correct quickly: proper and working smoke detectors and CO alarms, GFCI protection at kitchen/bath, confirm hot water and water heater condition, and any small electrical/outlet cover repairs. No major structural or life‑safety failures are visible in the provided photos, so the property would likely pass after completing minor safety checks and a few small fixes.
Section 8 Payment Standard
$1,530
Utility Allowance Total
$336
Guaranteed Section 8 Rent (PS - Utilities)
$1,194
Property Management
$119
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,000
Beds
3
Baths
1.5
Living Area
1,277 sqft
Lot Size
14,810 sqft
Year Built
1960
Days on Market
95
Capital Outlay
$30,960
Debt Service
$687
Property Tax / Mo
$73
Insurance / Mo
$38
Property Description
Welcome to Living in North Jackson!... This is a well maintained 3 bed/1.5 bath home conveniently located in close proximity to the interstate, shopping, dining, and more. But if you want to entertain without leaving home, there is a large front yard and large fenced back yard perfect for you and your guests. There's even a large workshop with plenty of amenities. When you step inside this home, you won't be disappointed... Call your favorite Realtor today!
Utility Allowances
Heating
$21
Selected 'Natural Gas' for heating based on property details explicitly mentioning 'Natural Gas' heating.
Cooking
$11
Selected 'Electric' for cooking based on property details listing an 'Electric Cooktop' as a provided appliance.
Water Heating
$18
Selected 'Natural Gas' for water heating, as it is consistent with the property's central heating fuel type and listed as an available utility.
Other Electric
$69
Standard allowance for general electricity usage (lights, outlets) in a single-family home.
Sewer
$60
Property details specify connection to 'Public Sewer'.
Water
$104
Property details specify connection to a 'Public' water source.
Trash Collection
$37
Standard allowance for municipal trash collection, assumed to be a tenant responsibility for a single-family home.
Air Conditioning
$12
Property has 'Central Air' conditioning.
Refrigerator
$4
Refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned and an allowance is provided.
Range/Microwave
$0
Property listing includes a microwave, so it is landlord-provided and no tenant allowance is given.
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$442
DP3 Annual Estimate$462
DP1 Monthly Equivalent$37
DP3 Monthly Equivalent$38
Replacement Value$30,950
Basis1,277 sqft / 1960
Nearby Houses
Photo unavailable
305 Francis St
for_sale · 0.03 mi
Price: $105,000
3 bd / 2 ba · 1,315 sqft
Latest sale: — on Oct 16, 2017
Latest rent: —
Photo unavailable
314 Francis St
sold · 0.09 mi
Price: $159,900
4 bd / 3 ba · 1,506 sqft
Latest sale: — on Sep 16, 2024
Latest rent: —
Photo unavailable
346 Bounds St
sold · 0.09 mi
Price: $159,900
3 bd / 2 ba · 1,863 sqft
Latest sale: — on Dec 09, 2022
Latest rent: —
Photo unavailable
338 Francis St
sold · 0.13 mi
Price: $125,000
3 bd / 2 ba · 1,300 sqft
Latest sale: — on Mar 18, 2025
Latest rent: —
Photo unavailable
805 Serville Dr
for_sale · 0.15 mi
Price: $150,000
3 bd / 2 ba · 1,332 sqft
Latest sale: — on Sep 20, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC is operational (vents/registers visible) though age/servicing is unknown.
- There is a functioning water heater and plumbing infrastructure (no interior water stains or visible leaks observed).
- At least one alarm device is present (photo shows a ceiling-mounted alarm); additional smoke/CO locations may be required by local code.
- Electrical panel exists and is intact but was not photographed; no signs of exposed wiring or open junction boxes were visible.
- The advertised workshop exists but was not shown; condition of workshop not included in score.
- Roof is intact with no active leaks (no ceiling stains or water damage observed inside).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $853 | $55,950 | $5,595 |
| 2023 | $837 | $55,080 | $5,508 |
| 2021 | $837 | $55,080 | $5,508 |
| 2020 | $826 | $54,810 | $5,481 |
| 2019 | $827 | $54,810 | $5,481 |
| 2018 | $815 | $54,810 | $5,481 |
| 2017 | $816 | $54,810 | $5,481 |
| 2016 | $1,010 | $54,810 | $5,481 |
| 2015 | $1,459 | $54,360 | $8,154 |
| 2014 | $1,457 | $54,360 | $8,154 |
| 2013 | $1,417 | $54,360 | $8,154 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2014-08-07 | Sold | — |
Photo Gallery
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"rmn_listing_attribution": true
},
"property_id": "7682961225",
"generated_at": "2026-02-16T23:00:54.945384Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 76.4
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/61544dfd07efa197ddc3ccbe06f1ff7fl-m257243494s-w1280.jpg",
"rent_price": 1194.0,
"loan_amount": 103200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/310-Bounds-St_Jackson_MS_39206_M76829-61225",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 129000.0,
"loan_term_years": 30,
"annual_cash_flow": 11564.61,
"mortgage_monthly": 686.59,
"payment_standard": 1530.0,
"total_amount_out": 25800.0,
"additional_photos": [
"https://ap.rdcpix.com/61544dfd07efa197ddc3ccbe06f1ff7fl-m3719859646s-w1280.jpg",
"https://ap.rdcpix.com/61544dfd07efa197ddc3ccbe06f1ff7fl-m3356346464s-w1280.jpg",
"https://ap.rdcpix.com/61544dfd07efa197ddc3ccbe06f1ff7fl-m702556886s-w1280.jpg",
"https://ap.rdcpix.com/61544dfd07efa197ddc3ccbe06f1ff7fl-m1808915110s-w1280.jpg",
"https://ap.rdcpix.com/61544dfd07efa197ddc3ccbe06f1ff7fl-m4079001842s-w1280.jpg",
"https://ap.rdcpix.com/61544dfd07efa197ddc3ccbe06f1ff7fl-m1484163425s-w1280.jpg",
"https://ap.rdcpix.com/61544dfd07efa197ddc3ccbe06f1ff7fl-m3117711741s-w1280.jpg",
"https://ap.rdcpix.com/61544dfd07efa197ddc3ccbe06f1ff7fl-m2736533986s-w1280.jpg",
"https://ap.rdcpix.com/61544dfd07efa197ddc3ccbe06f1ff7fl-m2836320959s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 37.67,
"monthly_cash_flow": 963.72,
"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 'Natural Gas' for heating based on property details explicitly mentioning 'Natural Gas' heating.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Selected 'Electric' for cooking based on property details listing an 'Electric Cooktop' as a provided appliance.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'Natural Gas' for water heating, as it is consistent with the property's central heating fuel type and listed as an available utility.",
"utility": "Water Heating",
"allowance": 18
},
{
"note": "Standard allowance for general electricity usage (lights, outlets) in a single-family home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property details specify connection to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Property details specify connection to a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Standard allowance for municipal trash collection, assumed to be a tenant responsibility for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property has 'Central Air' conditioning.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned and an allowance is provided.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Property listing includes a microwave, so it is landlord-provided and no tenant allowance is given.",
"utility": "Range/Microwave",
"allowance": 0
}
],
"cash_on_cash_return": 0.45,
"down_payment_amount": 25800.0,
"property_tax_annual": 878.59,
"property_tax_monthly": 73.22,
"property_tax_increase": 0.03,
"utility_allowance_total": 336.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/pdr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3325.5,
"property_management_monthly": 119.4,
"monthly_cash_flow_after_debt": 277.13,
"cash_on_cash_return_after_debt": 0.13
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single‑family home appears rent-ready with only minor repairs and verifications required to meet a typical initial Housing Choice Voucher (NSPIRE) inspection. The unit shows good cosmetic condition, functioning appliances, central HVAC vents present, and a sound exterior/yard. Primary inspection items to verify and likely correct quickly: proper and working smoke detectors and CO alarms, GFCI protection at kitchen/bath, confirm hot water and water heater condition, and any small electrical/outlet cover repairs. No major structural or life‑safety failures are visible in the provided photos, so the property would likely pass after completing minor safety checks and a few small fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 78.0,
"rationale": "Interior photos show generally well-maintained cosmetic condition: new-looking plank tile in main areas, painted walls, recessed lighting and functioning fixtures. Kitchen has appliances present (refrigerator, dishwasher, cooktop and wall oven) though cabinetry and some trim show wear and could use touch-up; carpeted bedrooms show normal wear and some staining. Small cosmetic door damage and scuffing in hallways are visible. No major interior finish failures are visible. Missing/loose outlet cover near hallway (photo) appears repairable. Overall items are mostly cosmetic or small capital repairs."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 75.0,
"rationale": "No visible life‑threatening hazards in photos: floors are level, no collapsed ceilings, no standing water or visible mold. Entry has a security metal door with two locks (appears to include a deadbolt). Bedrooms have windows (visible) that appear to meet egress size for typical single‑story homes. I can see at least one ceiling‑mounted alarm device (hallway/bedroom photo) but smoke/CO locations and functionality and GFCI protection at kitchen sink are not clearly shown — those are common NSPIRE checkpoints. Electrical panel, hot water heater, and plumbing supply/pressure are not visible. No exposed wiring or open junction boxes are evident in photos. Based on visuals the property has moderate-to-low safety risk but needs verification/possible quick fixes (smoke/CO placement/function, GFCIs)."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 72.0,
"rationale": "Central HVAC appears present (vents visible in living room and hall ceiling) and ceiling registers look intact. Kitchen appliances are present and appear serviceable though some are older (cooktop/oven). Water heater, electrical panel, and roof mechanical elements are not pictured so condition is assumed serviceable but unknown. No visible roof leaks or interior water stains were seen in ceilings, which supports functional roofing and plumbing at time of photos. Because major systems are not documented, allow some deduction for unknown age/condition but photos show no signs of imminent system failure."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 80.0,
"rationale": "Exterior front elevation and yard photos show a well-kept lawn, large fenced backyard advertised, carport/driveway in place and brick/veneer exterior in good visual condition. Roofline appears even with no obvious sagging. Entry light present. No visible foundation cracks, pooling or drainage issues in photos. Workshop referenced in listing not photographed; exterior appearance indicates routine maintenance and no visible exterior safety hazards."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC is operational (vents/registers visible) though age/servicing is unknown.",
"There is a functioning water heater and plumbing infrastructure (no interior water stains or visible leaks observed).",
"At least one alarm device is present (photo shows a ceiling-mounted alarm); additional smoke/CO locations may be required by local code.",
"Electrical panel exists and is intact but was not photographed; no signs of exposed wiring or open junction boxes were visible.",
"The advertised workshop exists but was not shown; condition of workshop not included in score.",
"Roof is intact with no active leaks (no ceiling stains or water damage observed inside)."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1.5BA single-family property presents as well maintained with updated flooring, working appliances, central HVAC vents visible, secure entry and a maintained exterior yard. Observed issues are primarily cosmetic (carpet wear, minor ceiling seam, outlet cover) and easy-to-fix. Key NSPIRE verification items not shown in photos include full smoke/CO detector coverage and functionality, GFCI protection in kitchen/bath, electrical panel condition, and confirmation of hot water and HVAC operation. Based on photos and listing text, the home is likely to pass an initial HCV/NSPIRE inspection after routine pre-rental verifications and small repairs — estimated rent-ready timeline 1–4 weeks depending on verification and minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show generally well maintained finishes: new-looking vinyl plank floor in primary living/kitchen, painted walls, recessed lighting. Minor cosmetic issues visible: worn carpeting in some bedrooms, small ceiling seam/uneven panel in hallway, one visible missing/removed outlet/cover near hall (small round patch), and some cabinet/trim wear in kitchen. All observed issues are cosmetic or small repairs (outlet cover, patching, carpet replacement, cabinet touch-up). Appliances are present (fridge, dishwasher, built-in oven and cooktop) — missing/older appliance condition would be easy-to-fix if needed. No visible major interior damage (no collapsed ceilings, major holes, or severe water stains). Score reflects turnkey-ready with minor finish work and touch-ups."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 75.0,
"rationale": "Photos show at least one alarm device in a bedroom/hall area and a secure front security door with a deadbolt (good for entry security). Bedrooms show adequate egress-size windows. No exposed live wiring observed; no visible mold, active leaks, or water intrusion. Visible HVAC supply/return vents indicate central HVAC distribution. Unknown/NOT SHOWN: electrical panel condition, presence of GFCI-protected outlets in kitchen/bath, operational hot water heater, and full smoke/CO detector coverage in all required locations. There is a visible cable running to TV and a missing outlet cover in the hallway — both low-to-moderate safety repairs. Overall low inspection risk but requires verification of outlet/GFCI protection, smoke/CO detector placement and functionality, and hot water for final NSPIRE pass."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Central HVAC registers and ceiling vents visible, suggesting a central forced-air system is present. Kitchen appliances (electric cooktop, built-in oven, dishwasher, refrigerator) are present; cooktop/oven appear older but intact. No water heater, electrical panel, or furnace/AC units are shown in photos; their age and service condition are unknown. Exterior roof appears intact from distance with no visible sagging or missing large sections. Because major systems are present but not documented, score assumes functional but aging systems that may need service or verification (recommended: test HVAC operation, inspect service records, check water heater, and confirm electrical panel safety/GFCI)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Front elevation shows a level lawn, large front yard and a fenced back yard is noted in the listing (large workshop mentioned). Brick/siding and low-slope roof appear intact with no visible major deterioration from listing photos. Driveway and covered carport present. No standing water, obvious drainage problems, or significant site neglect visible. Landscaping is maintained. Exterior lighting at front door present. Score reflects a sound exterior envelope with typical maintenance needs only."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational (visible ceiling vents used as basis).",
"Water heater and main plumbing are present and providing hot water (not shown but assumed for occupied-looking listing).",
"Smoke/CO detectors exist at least in some locations (one alarm-like device visible) but full required placement and function must be verified.",
"Electrical service/panel exists and is intact though not photographed; no obvious exposed live wiring observed inside photos.",
"Kitchen and major appliances shown (fridge, cooktop/oven, dishwasher) are present and likely functional; any minor appliance replacement is considered a capital item, not an automatic inspection fail.",
"Listing statement regarding fenced back yard and workshop is accurate even though exterior workshop photos are not provided.",
"No major unseen structural issues (foundation movement, roof failure, hidden active leaks) are present given absence of visual indicators in supplied photos; however, older 1960 house may have aging systems."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This single‑level 3BR/1.5BA home appears largely rent‑ready for a Housing Choice Voucher inspection with mostly cosmetic repairs and a few verifications required. Interior finishes are updated and the kitchen is equipped with appliances; the exterior and yard are in good condition. The main inspection risks are verification items: properly located smoke detectors (and CO alarm if required), presence of GFCI protection in kitchen/bath, and confirmation that HVAC, water heater and electrical panel are operational and up to code. Fix the missing outlet/cover, address minor carpet/wall damage, and confirm life‑safety devices and GFCI locations to be likely to pass an initial NSPIRE/HCV inspection within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show generally clean, recently-updated finishes (vinyl/plank flooring in main areas, painted walls, recessed lighting). Kitchen has full set of appliances (refrigerator, dishwasher, wall oven and cooktop) though some appear older; cabinets show normal wear. Bedrooms have carpet with visible wear and minor scuffs on walls/trim. Small cosmetic items visible: a missing outlet/plate in the hallway, a closet/door with edge damage and one closet door slightly off. No large areas of peeling paint, major damaged drywall, or exposed subfloor seen. These are mostly easy-to-fix cosmetic/maintenance items and/or simple capital replacements. Score reflects minor repairs and light cosmetic work to be fully turnkey."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 72.0,
"rationale": "No obvious life‑threatening hazards in the photos: no collapsed ceilings, active water intrusion, visible electrical sparking/exposed conductors, or broken stairs. Entry door has a secure metal security door and a deadbolt visible. Bedrooms show windows that appear large enough for egress. However, presence and placement of required smoke detectors and CO alarms cannot be fully verified by photos; one ceiling device is visible in a bedroom/hall photo but it is not conclusive that detectors are installed in all required locations (hall outside sleeping rooms, each sleeping room). GFCI protection in kitchen/bath not identifiable in photos. A missing wall/outlet cover seen in hallway is a minor safety/code defect and should be repaired before inspection. Overall risk is moderate-low but contingent on confirming proper smoke/CO detectors and GFCI outlets."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 72.0,
"rationale": "Evidence of central HVAC registers and ceiling vents indicate a central HVAC system is present; no outdoor unit photo to verify condition or age. Kitchen plumbing fixtures, sink, dishwasher and visible appliances suggest plumbing is intact and functional, and no visible leaks or water stains are present. Roof appears intact from the exterior photo (no visible sagging or missing large sections), but roof age and flashing condition are unknown. Electrical panel was not photographed; no visible exposed wiring, and switches/outlets appear to function in photos (except the missing cover). Water heater and hot‑water availability not shown. Given presence of functioning appliances and no visible system failures, major systems appear serviceable but verification (HVAC operation, water heater, electrical panel condition, GFCIs) is recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior brick/siding and roofline appear intact in the front elevation photo; large, level front yard and a fenced rear yard are highlighted in the listing and visible. Driveway and covered carport appear serviceable. A workshop is advertised (not photographed inside) which is a positive amenity. Landscaping appears maintained with no visible standing water or erosion. Overall exterior/site condition is good and low risk for initial inspection issues."
}
],
"red_flags": [
"Missing outlet/cover plate in hallway (visible) — repair required for safety/compliance.",
"Smoke detector / CO alarm placement not clearly documented in photos — must verify detectors in required locations; potential fail if absent or non‑functional.",
"GFCI protection in kitchen/bath not visible — must confirm GFCI outlets or breakers to pass inspection.",
"No photos of electrical panel, water heater, or HVAC equipment — operational verification required prior to inspection."
],
"confidence": 0.65,
"assumptions": [
"No recent rental history available; assessment based solely on listing text and photos.",
"Central HVAC is present and operational since vents/registers are visible, but outdoor unit and service history were not provided.",
"Water heater, electrical panel, and utility connections exist and are functional though not shown in photos.",
"Kitchen and laundry plumbing are functional (no visible stains or leaks), and the listed dishwasher and cooktop are operational.",
"Bedrooms have compliant egress windows based on visible window size, but measurements were not taken.",
"Listing reference to a 'large workshop' is true though interior workshop photos were not provided.",
"No evidence of roof leaks, mold, structural foundation movement, or pest infestation was visible in supplied photos; absence of evidence is not confirmation."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "310 Bounds St, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall this single‑family home appears rent-ready with only minor repairs and verifications required to meet a typical initial Housing Choice Voucher (NSPIRE) inspection. The unit shows good cosmetic condition, functioning appliances, central HVAC vents present, and a sound exterior/yard. Primary inspection items to verify and likely correct quickly: proper and working smoke detectors and CO alarms, GFCI protection at kitchen/bath, confirm hot water and water heater condition, and any small electrical/outlet cover repairs. No major structural or life‑safety failures are visible in the provided photos, so the property would likely pass after completing minor safety checks and a few small fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 78.7,
"rationale": "Interior photos show generally well-maintained cosmetic condition: new-looking plank tile in main areas, painted walls, recessed lighting and functioning fixtures. Kitchen has appliances present (refrigerator, dishwasher, cooktop and wall oven) though cabinetry and some trim show wear and could use touch-up; carpeted bedrooms show normal wear and some staining. Small cosmetic door damage and scuffing in hallways are visible. No major interior finish failures are visible. Missing/loose outlet cover near hallway (photo) appears repairable. Overall items are mostly cosmetic or small capital repairs."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 83.3,
"rationale": "Exterior front elevation and yard photos show a well-kept lawn, large fenced backyard advertised, carport/driveway in place and brick/veneer exterior in good visual condition. Roofline appears even with no obvious sagging. Entry light present. No visible foundation cracks, pooling or drainage issues in photos. Workshop referenced in listing not photographed; exterior appearance indicates routine maintenance and no visible exterior safety hazards."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 74.0,
"rationale": "No visible life‑threatening hazards in photos: floors are level, no collapsed ceilings, no standing water or visible mold. Entry has a security metal door with two locks (appears to include a deadbolt). Bedrooms have windows (visible) that appear to meet egress size for typical single‑story homes. I can see at least one ceiling‑mounted alarm device (hallway/bedroom photo) but smoke/CO locations and functionality and GFCI protection at kitchen sink are not clearly shown — those are common NSPIRE checkpoints. Electrical panel, hot water heater, and plumbing supply/pressure are not visible. No exposed wiring or open junction boxes are evident in photos. Based on visuals the property has moderate-to-low safety risk but needs verification/possible quick fixes (smoke/CO placement/function, GFCIs)."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 71.3,
"rationale": "Central HVAC appears present (vents visible in living room and hall ceiling) and ceiling registers look intact. Kitchen appliances are present and appear serviceable though some are older (cooktop/oven). Water heater, electrical panel, and roof mechanical elements are not pictured so condition is assumed serviceable but unknown. No visible roof leaks or interior water stains were seen in ceilings, which supports functional roofing and plumbing at time of photos. Because major systems are not documented, allow some deduction for unknown age/condition but photos show no signs of imminent system failure."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Central HVAC is operational (vents/registers visible) though age/servicing is unknown.",
"There is a functioning water heater and plumbing infrastructure (no interior water stains or visible leaks observed).",
"At least one alarm device is present (photo shows a ceiling-mounted alarm); additional smoke/CO locations may be required by local code.",
"Electrical panel exists and is intact but was not photographed; no signs of exposed wiring or open junction boxes were visible.",
"The advertised workshop exists but was not shown; condition of workshop not included in score.",
"Roof is intact with no active leaks (no ceiling stains or water damage observed inside)."
],
"score_method": "mean_of_criteria",
"overall_score": 76.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7682961225"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.