Property ID: 7684047012
3725 Thomas Jefferson Rd, Jackson, MS, 39213
Jackson, MS
Money Down: $26,160
CoC Return: 4.18%
Monthly Cash Flow: $91
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,800
Closing Costs
$4,360
Total Down
$26,160
Investment Snapshot
Purchase Price
$109,000
Money Down
$26,160
Cash-on-Cash Return
4.18%
Rent
$846
Monthly Cash Flow
$91
Annual Cash Flow
$1,093
Debt Service / Mo
$580
Property Tax / Mo
$55
Insurance / Mo
$35
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$846
Payment Standard
$1,190
Rent
$846
Insurance
$35
Property Tax
$55
Management
$85
Utilities Allowance
$344
NOI (Monthly)
$671
Debt Service
$580
Cash Flow After Debt
$91
Quality Score: 81.30%
Confidence: 92.00%
Based on the listing and photos this renovated 3BR/1BA home appears largely turnkey for a Housing Choice Voucher (Section 8) inspection. New roof and HVAC are strong positives, finishes look clean and intact, and major systems appear updated. The most likely inspection items to address: verify and/or install properly located smoke detectors (and CO alarms if required), confirm GFCI protection at kitchen/bath outlets, ensure a functioning water heater and confirm electrical panel condition and deadbolt on entry. With those checks/fixes (many are quick fixes), the property is likely to pass an initial NSPIRE/HCV inspection within 1–2 weeks.
Section 8 Payment Standard
$1,190
Utility Allowance Total
$344
Guaranteed Section 8 Rent (PS - Utilities)
$846
Property Management
$85
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,000
Beds
3
Baths
1
Living Area
1,296 sqft
Lot Size
10,019 sqft
Year Built
1970
Days on Market
7
Capital Outlay
$26,160
Debt Service
$580
Property Tax / Mo
$55
Insurance / Mo
$35
Property Description
Charming 3- Bedroom,1-Bath Home with Bonus Room - Fully Renovated! This beautifully updated home offers a spacious layout and modern features, perfect for comfortable living with a new roof, brand new HVAC system, and new refinished scored floors, this home move in ready and worry-free. The Ceramic tile shower adds a stylish touch to the bathroom while the spacious kitchen and dining area create the perfect space for cooking and entertaining. Plus, the added bonus room provides endless possibilities-whether as an office, playroom, or guest room! Don't miss your chance to own this stunning home. Schedule a showing today!
Utility Allowances
Air Conditioning
$12
The property has 'Central Air' and a 'brand new HVAC system', so this fixed allowance for a 3-bedroom unit applies.
Cooking
$11
Selected 'Electric' fuel type as property details explicitly list a 'Free-Standing Electric Range' in the appliances. The value is for a 3-bedroom unit.
Heating
$19
Selected 'Electric Heat Pump' for a 3-bedroom unit. The property has a 'brand new HVAC system' and no mention of 'Natural Gas', making an electric heat pump the most probable heating source.
Other Electric
$69
This fixed allowance covers general electricity for lights and outlets and applies to all single-family homes. The value is for a 3-bedroom unit.
Range/Microwave
$3
A range is provided, but a microwave is not listed in the property's appliances. Following the rule to not assume a microwave is provided, the tenant would need to supply one, so the allowance for a 3-bedroom unit applies.
Sewer
$60
The property details specify 'Public Sewer,' so this fixed allowance for a 3-bedroom unit applies.
Trash Collection
$37
This is a standard utility for single-family homes. The fixed allowance for a 3-bedroom unit is applied.
Water
$104
The property details specify a 'Public' water source, so this fixed allowance for a 3-bedroom unit applies.
Water Heating
$29
Selected 'Electric' fuel type for a 3-bedroom unit. Gas service is not mentioned for other appliances, making an electric water heater the most logical assumption.
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$406
DP3 Annual Estimate$441
DP1 Monthly Equivalent$34
DP3 Monthly Equivalent$37
Replacement Value$27,080
Basis1,296 sqft / 1970
Nearby Houses
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Latest sale: — on Dec 15, 2025
Latest rent: —
Photo unavailable
6605 George Washington Dr
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Price: $43,200
3 bd / 2 ba · 1,132 sqft
Latest sale: —
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Photo unavailable
6734 Harry S Truman Dr
sold · 0.13 mi
Price: $110,000
3 bd / 2 ba · 1,424 sqft
Latest sale: — on Jun 17, 2025
Latest rent: —
Photo unavailable
6628 George Washington Dr
sold · 0.13 mi
Price: $65,000
3 bd / 2 ba · 1,421 sqft
Latest sale: — on Dec 30, 2022
Latest rent: —
Photo unavailable
6650 Abraham Lincoln Dr
for_sale · 0.14 mi
Price: $115,000
3 bd / 2 ba · 1,421 sqft
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No smoke detectors or carbon monoxide alarms visible in photos (common automatic fail item if not installed).
- Electrical panel not shown/verified (condition and labeling unknown).
- GFCI protection at sink/kitchen outlets not clearly visible (may fail if missing).
- Water heater location/operation not shown or verified in photos.
Assumptions
- The listing is accurate: roof and HVAC are newly installed and operational.
- Photos represent the current condition of the entire unit (no hidden areas in severe disrepair).
- Kitchen appliances shown (stove and refrigerator) are present and functional at move-in.
- No active roof leaks, active plumbing leaks, or major foundation movement exist because no signs (stains, sagging ceilings, major cracks) are visible in photos.
- Smoke detectors, CO alarms, electrical panel condition, and GFCI protection are not visible in photos and therefore treated as unknown; score reflects risk from that uncertainty.
- Windows shown meet minimum egress dimensions for bedrooms or bedrooms not depicted are assumed compliant unless otherwise noted.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $639 | $42,080 | $4,208 |
| 2023 | $635 | $42,080 | $4,208 |
| 2013 | $537 | $40,590 | $4,059 |
| 2012 | $537 | $40,590 | $4,059 |
| 2011 | $552 | $42,420 | $4,242 |
| 2010 | $548 | $42,420 | $4,242 |
| 2009 | $548 | $42,420 | $4,242 |
| 2008 | $548 | $30,760 | $3,076 |
| 2007 | $403 | $30,760 | $3,076 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-09 | Listed | $109,000 |
| 2026-02-04 | Listing removed | $0 |
| 2026-01-05 | Listed | $118,000 |
Photo Gallery
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"total": 30760,
"building": 24260
},
"assessment": {
"land": 650,
"total": 3076,
"building": 2426
}
}
],
"property_history": [
{
"date": "2026-02-09",
"price": 109000,
"listing": {
"status": "for_sale",
"list_date": "2026-02-09T14:22:05Z",
"list_price": 109000,
"listing_id": "2991391183",
"last_update_date": "2026-02-10T08:56:33Z",
"last_status_change_date": "2026-02-09T14:22:05Z"
},
"event_name": "Listed",
"price_sqft": 84.10493827160494,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4138585",
"price_change_percentage": null
},
{
"date": "2026-02-04",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2026-01-05T03:45:34Z",
"list_price": 118000,
"listing_id": "2989979244",
"last_update_date": "2026-01-29T16:13:41Z",
"last_status_change_date": "2026-02-04T06:22:04Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "30 days",
"source_listing_id": "4135044",
"price_change_percentage": null
},
{
"date": "2026-01-05",
"price": 118000,
"listing": {
"status": "off_market",
"list_date": "2026-01-05T03:45:34Z",
"list_price": 118000,
"listing_id": "2989979244",
"last_update_date": "2026-01-29T16:13:41Z",
"last_status_change_date": "2026-02-04T06:22:04Z"
},
"event_name": "Listed",
"price_sqft": 91.04938271604938,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4135044",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7684047012",
"generated_at": "2026-02-16T23:27:22.106627Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 81.3
},
"utility_allowance": {
"zip_code": "39213",
"home_photo": "https://ap.rdcpix.com/236dfd014b59d4b16bb18a48fb058a6al-m3590174035s-w1280.jpg",
"rent_price": 846.0,
"loan_amount": 87200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3725-Thomas-Jefferson-Rd_Jackson_MS_39213_M76840-47012",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 109000.0,
"loan_term_years": 30,
"annual_cash_flow": 8055.13,
"mortgage_monthly": 580.14,
"payment_standard": 1190.0,
"total_amount_out": 21800.0,
"additional_photos": [
"https://ap.rdcpix.com/236dfd014b59d4b16bb18a48fb058a6al-m2220274091s-w1280.jpg",
"https://ap.rdcpix.com/236dfd014b59d4b16bb18a48fb058a6al-m342159021s-w1280.jpg",
"https://ap.rdcpix.com/236dfd014b59d4b16bb18a48fb058a6al-m2504815259s-w1280.jpg",
"https://ap.rdcpix.com/236dfd014b59d4b16bb18a48fb058a6al-m699516688s-w1280.jpg",
"https://ap.rdcpix.com/236dfd014b59d4b16bb18a48fb058a6al-m3802209103s-w1280.jpg",
"https://ap.rdcpix.com/236dfd014b59d4b16bb18a48fb058a6al-m1949049024s-w1280.jpg",
"https://ap.rdcpix.com/236dfd014b59d4b16bb18a48fb058a6al-m1256998503s-w1280.jpg",
"https://ap.rdcpix.com/236dfd014b59d4b16bb18a48fb058a6al-m2421631042s-w1280.jpg",
"https://ap.rdcpix.com/236dfd014b59d4b16bb18a48fb058a6al-m1410059263s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 35.29,
"monthly_cash_flow": 671.26,
"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 has 'Central Air' and a 'brand new HVAC system', so this fixed allowance for a 3-bedroom unit applies.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected 'Electric' fuel type as property details explicitly list a 'Free-Standing Electric Range' in the appliances. The value is for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'Electric Heat Pump' for a 3-bedroom unit. The property has a 'brand new HVAC system' and no mention of 'Natural Gas', making an electric heat pump the most probable heating source.",
"utility": "Heating",
"allowance": 19
},
{
"note": "This fixed allowance covers general electricity for lights and outlets and applies to all single-family homes. The value is for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "A range is provided, but a microwave is not listed in the property's appliances. Following the rule to not assume a microwave is provided, the tenant would need to supply one, so the allowance for a 3-bedroom unit applies.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property details specify 'Public Sewer,' so this fixed allowance for a 3-bedroom unit applies.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "This is a standard utility for single-family homes. The fixed allowance for a 3-bedroom unit is applied.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property details specify a 'Public' water source, so this fixed allowance for a 3-bedroom unit applies.",
"utility": "Water",
"allowance": 104
},
{
"note": "Selected 'Electric' fuel type for a 3-bedroom unit. Gas service is not mentioned for other appliances, making an electric water heater the most logical assumption.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.37,
"down_payment_amount": 21800.0,
"property_tax_annual": 658.17,
"property_tax_monthly": 54.85,
"property_tax_increase": 0.03,
"utility_allowance_total": 344.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"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": 1093.4,
"property_management_monthly": 84.6,
"monthly_cash_flow_after_debt": 91.12,
"cash_on_cash_return_after_debt": 0.05
},
"section8_assessment": {
"runs": [
{
"summary": "Based on the listing and photos this renovated 3BR/1BA home appears largely turnkey for a Housing Choice Voucher (Section 8) inspection. New roof and HVAC are strong positives, finishes look clean and intact, and major systems appear updated. The most likely inspection items to address: verify and/or install properly located smoke detectors (and CO alarms if required), confirm GFCI protection at kitchen/bath outlets, ensure a functioning water heater and confirm electrical panel condition and deadbolt on entry. With those checks/fixes (many are quick fixes), the property is likely to pass an initial NSPIRE/HCV inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing describe a full renovation: fresh paint, refinished (stained) concrete and tile floors, intact drywall, functioning doors and windows, and recent cosmetic finishes. Kitchen has cabinets, counters, double sink, stove and refrigerator visible. No visible damaged finishes, peeling paint, or holes. Missing minor items (if any) would be cosmetic or appliance/fixture-level and easily corrected. Overall only minor touch-ups likely required."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 75.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings intact, no sagging or stains indicating active leaks, no exposed wiring, outlets and switches appear to have cover plates. Windows are present and appear large enough for egress, and entry has a secure metal storm door. However, photos do not show smoke detectors or carbon monoxide alarms, and GFCI protection at sink outlets is not clearly visible. Deadbolt presence is not confirmed. These missing/unclear items reduce score because they are common automatic inspection requirements."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 85.0,
"rationale": "Listing states a new roof and new HVAC; interior photos show ceiling supply/return vents and a modern-looking electric range, which supports functioning central HVAC and updated electrical loads. No visible plumbing leaks; kitchen fixtures appear installed and operable. Water heater is not shown but no signs of water damage. Electrical panel not pictured, so its condition is unverified. Overall system indicators are strong based on listing and imagery."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior brick and roof appear in good condition; windows intact and trim freshly painted. Front yard and walkways show normal wear but no trip hazards or major drainage/erosion visible. Carport appears serviceable. Yard is patchy but does not present an NSPIRE-level hazard. No signs of infestation or standing water observed in photos."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in photos (common automatic fail item if not installed).",
"Electrical panel not shown/verified (condition and labeling unknown).",
"GFCI protection at sink/kitchen outlets not clearly visible (may fail if missing).",
"Water heater location/operation not shown or verified in photos."
],
"confidence": 0.75,
"assumptions": [
"The listing is accurate: roof and HVAC are newly installed and operational.",
"Photos represent the current condition of the entire unit (no hidden areas in severe disrepair).",
"Kitchen appliances shown (stove and refrigerator) are present and functional at move-in.",
"No active roof leaks, active plumbing leaks, or major foundation movement exist because no signs (stains, sagging ceilings, major cracks) are visible in photos.",
"Smoke detectors, CO alarms, electrical panel condition, and GFCI protection are not visible in photos and therefore treated as unknown; score reflects risk from that uncertainty.",
"Windows shown meet minimum egress dimensions for bedrooms or bedrooms not depicted are assumed compliant unless otherwise noted."
],
"overall_score": 82.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This single-family home appears largely turnkey and likely to pass an initial Housing Choice Voucher/NSPIRE inspection after standard verification items. The property shows recent cosmetic and system upgrades (photos and listing note a new roof and HVAC), good interior condition, working kitchen appliances, intact ceilings and floors, and no visible life-threatening conditions. Primary concerns for inspection readiness are verification/installation of smoke and CO detectors, confirmation that any window security bars meet egress-release requirements, and on-site verification of water heater/hot-water and electrical panel/GFCI protection. Addressing those items should allow a pass without major repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 90.0,
"rationale": "Interior photos show recent cosmetic renovation: fresh paint, intact ceilings, new-looking floor finishes (stained concrete and tile), functioning light fixtures and ceiling fans, kitchen cabinets and counters appear new, and both range and refrigerator are present. Exterior brick, shutters, and landscaping look maintained. No visible peeling paint, major cracks, or damaged finishes. Only minor site lawn touch-up likely."
},
{
"key": "safety_code",
"label": "Safety / code risk",
"score": 75.0,
"rationale": "No visible exposed wiring, no sagging ceilings, doors/windows appear intact and entry has a security door. However, photos do not show smoke detectors or CO alarms (required), and one window has metal security bars which could present an egress concern if not releasable from the inside. GFCI at sink not clearly visible. Plumbing fixtures appear present but hot water source not shown. Overall low-moderate risk but requires verification/installation of detectors and confirmation that window bars meet egress release rules."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 80.0,
"rationale": "Listing states a new roof and brand-new HVAC; ceiling vents and new-looking registers are visible in photos. Stove/hood installation and refrigerator present suggest functional electrical circuits in kitchen. Water heater and electrical panel are not shown; their condition is unverified. No visible signs of active leaks, water stains, or HVAC condensation issues. Given the visible new systems and lack of distress, systems likely sound but require on-site verification of hot water, panel labeling, and circuit safety (GFCI)."
},
{
"key": "exterior_site",
"label": "Exterior and site condition",
"score": 85.0,
"rationale": "Exterior brick veneer appears solid, roof shingles look recently replaced and in good condition, carport and driveway intact, front stoop and walkway appear serviceable. Yard is level with minor bare patches but no standing water or obvious drainage problems visible. No evidence of infestation or major foundation exposure visible from photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in listing photos — required for NSPIRE/HCV compliance.",
"Metal security bars visible on a window could impede bedroom egress unless quick-release is provided; potential egress violation.",
"Water heater / hot water not shown or verified in photos — working hot water is required for inspection."
],
"confidence": 0.7,
"assumptions": [
"New roof and new HVAC noted in listing are correctly installed and functional (vents/registers visible).",
"Water heater and associated hot-water supply exist and are functional, though not shown in photos.",
"Electrical panel is intact and meets code (not visible in photos); outlets shown have cover plates and are on workable circuits.",
"Window security bars (visible on one window) are releasable from the inside or will be made so for egress compliance.",
"Smoke detectors and CO alarms are not visible in photos but can be installed or are present off-camera.",
"No hidden structural issues (foundation movement, major roof failure, mold) beyond what is visible in photos; if severe hidden conditions exist, score would be lower."
],
"overall_score": 83.0,
"rubric_version": "nsPIRE-2026-01"
},
{
"summary": "This 3-bed/1-bath single-family home appears largely turnkey for Section 8/HCV inspection. Renovations (new roof, HVAC, refinished floors, updated kitchen and bath) are evident in photos and support a quick pass on many NSPIRE checkpoints. Primary inspection uncertainties are lack of visible smoke/CO detectors, the presence of security bars on at least one window (potential egress issue unless quick-release), and unshown items such as the water heater, electrical panel, and GFCI protection. No major structural or life-safety failures are visible. Likely rent-ready with minor fixes or verification (1–4 weeks), but expect an inspector to verify alarms, egress, and GFCI/electrical compliance.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show a freshly renovated property: new paint, refinished floors, intact tile, installed kitchen cabinets/countertops, and functioning fixtures. Stove and refrigerator are present in photos. No visible significant cosmetic damage, holes, or subfloor exposure. Minor exterior landscaping and a missing handrail at the small front stoop are the only observable issues. Overall appears move-in ready with only minor touch-ups."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No exposed wiring, ceiling collapse, or visible water stains noted. Entry shows a security/storm door with locking hardware (good). However, smoke detectors and CO alarms are not visible in photos (cannot confirm placement as required by NSPIRE). One interior window shows security bars which could impede emergency egress unless they have an approved quick-release; bedroom egress windows are not shown so egress compliance cannot be fully confirmed. GFCI presence near sink not verified. These unknowns reduce the score despite otherwise safe-looking conditions."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 80.0,
"rationale": "Listing states new roof and brand-new HVAC; ceiling vents and a functioning ceiling fan are visible, supporting that HVAC is installed. Kitchen appliances are electric, and lighting fixtures are functional in photos. Water heater and electrical panel are not shown (status assumed serviceable). No visible signs of active leaks, roof sag, or major system failure. Score reduced slightly due to unverified water heater/electrical panel/GFCI."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior brick and paint appear in good condition and roof looks recently replaced. Driveway and carport are intact. Yard is level with no visible standing water or major trip hazards. Minor issues: modest landscaping, small front stoop without a handrail, and no visible gutters (could affect drainage over time). No evidence of infestation or major foundation cracking in available photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in supplied photos - inspector will verify required placement.",
"Security bars on at least one window observed — potential egress restriction if not quick-release or compliant.",
"Front entry has a small step/stoop without a handrail; may be cited depending on local code/inspector discretion."
],
"confidence": 0.65,
"assumptions": [
"New roof and new HVAC are as-stated in listing and are installed correctly and operational.",
"Water heater, electrical panel, and required plumbing fixtures are present and functional though not shown in photos.",
"Smoke detectors and carbon-monoxide alarms may have been installed during renovation but are not visible in the supplied photos; their presence is unconfirmed.",
"Window security bars observed have either a quick-release or will be modified if required for egress; otherwise they may fail NSPIRE egress requirements.",
"No active roof leaks or hidden ceiling/wall water intrusion exist because ceilings and walls appear clean and unstained in photos.",
"Front stoop height is low (a couple steps); handrail absence is a minor code concern rather than a structural failure."
],
"overall_score": 79.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3725 Thomas Jefferson Rd, Jackson, MS, 39213",
"aggregate": {
"summary": "Based on the listing and photos this renovated 3BR/1BA home appears largely turnkey for a Housing Choice Voucher (Section 8) inspection. New roof and HVAC are strong positives, finishes look clean and intact, and major systems appear updated. The most likely inspection items to address: verify and/or install properly located smoke detectors (and CO alarms if required), confirm GFCI protection at kitchen/bath outlets, ensure a functioning water heater and confirm electrical panel condition and deadbolt on entry. With those checks/fixes (many are quick fixes), the property is likely to pass an initial NSPIRE/HCV inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.7,
"rationale": "Photos and listing describe a full renovation: fresh paint, refinished (stained) concrete and tile floors, intact drywall, functioning doors and windows, and recent cosmetic finishes. Kitchen has cabinets, counters, double sink, stove and refrigerator visible. No visible damaged finishes, peeling paint, or holes. Missing minor items (if any) would be cosmetic or appliance/fixture-level and easily corrected. Overall only minor touch-ups likely required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 81.7,
"rationale": "Exterior brick and roof appear in good condition; windows intact and trim freshly painted. Front yard and walkways show normal wear but no trip hazards or major drainage/erosion visible. Carport appears serviceable. Yard is patchy but does not present an NSPIRE-level hazard. No signs of infestation or standing water observed in photos."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 73.3,
"rationale": "No obvious life‑threatening hazards visible: ceilings intact, no sagging or stains indicating active leaks, no exposed wiring, outlets and switches appear to have cover plates. Windows are present and appear large enough for egress, and entry has a secure metal storm door. However, photos do not show smoke detectors or carbon monoxide alarms, and GFCI protection at sink outlets is not clearly visible. Deadbolt presence is not confirmed. These missing/unclear items reduce score because they are common automatic inspection requirements."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 81.7,
"rationale": "Listing states a new roof and new HVAC; interior photos show ceiling supply/return vents and a modern-looking electric range, which supports functioning central HVAC and updated electrical loads. No visible plumbing leaks; kitchen fixtures appear installed and operable. Water heater is not shown but no signs of water damage. Electrical panel not pictured, so its condition is unverified. Overall system indicators are strong based on listing and imagery."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in photos (common automatic fail item if not installed).",
"Electrical panel not shown/verified (condition and labeling unknown).",
"GFCI protection at sink/kitchen outlets not clearly visible (may fail if missing).",
"Water heater location/operation not shown or verified in photos."
],
"confidence": 0.92,
"assumptions": [
"The listing is accurate: roof and HVAC are newly installed and operational.",
"Photos represent the current condition of the entire unit (no hidden areas in severe disrepair).",
"Kitchen appliances shown (stove and refrigerator) are present and functional at move-in.",
"No active roof leaks, active plumbing leaks, or major foundation movement exist because no signs (stains, sagging ceilings, major cracks) are visible in photos.",
"Smoke detectors, CO alarms, electrical panel condition, and GFCI protection are not visible in photos and therefore treated as unknown; score reflects risk from that uncertainty.",
"Windows shown meet minimum egress dimensions for bedrooms or bedrooms not depicted are assumed compliant unless otherwise noted."
],
"score_method": "mean_of_criteria",
"overall_score": 81.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7684047012"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.