Property ID: 7709261534
5440 Grafton St, Jackson, MS, 39206
Jackson, MS
Money Down: $19,176
CoC Return: 32.33%
Monthly Cash Flow: $517
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,980
Closing Costs
$3,196
Total Down
$19,176
Investment Snapshot
Purchase Price
$79,900
Money Down
$19,176
Cash-on-Cash Return
32.33%
Rent
$1,194
Monthly Cash Flow
$517
Annual Cash Flow
$6,201
Debt Service / Mo
$425
Property Tax / Mo
$105
Insurance / Mo
$28
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,194
Payment Standard
$1,530
Rent
$1,194
Insurance
$28
Property Tax
$105
Management
$119
Utilities Allowance
$336
NOI (Monthly)
$942
Debt Service
$425
Cash Flow After Debt
$517
Quality Score: 62.40%
Confidence: 74.00%
Overall this 3BR / 1BA 1957 single-family shows solid 'good bones' and is likely to pass a Housing Choice Voucher initial inspection after addressing a handful of minor-to-moderate items. Key needs before leasing: install/verify smoke detectors (required), install GFCI protection in kitchen and bathroom as required, confirm central HVAC and hot water operation, verify electrical panel and bathroom heater safety, and perform cosmetic repairs (cabinet/trim, paint touch-up, floor refinishing, minor roof/soffit inspection). With 1–4 days of targeted fixes plus system verifications it should be rent-ready; if systems require replacement expect longer. Rental history is recent which supports readiness.
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
$79,900
Beds
3
Baths
1
Living Area
1,069 sqft
Lot Size
15,682 sqft
Year Built
1957
Days on Market
110
Capital Outlay
$19,176
Debt Service
$425
Property Tax / Mo
$105
Insurance / Mo
$28
Property Description
Welcome to 5440 Grafton Street, a spacious 3-bedroom, 1-bathroom home sitting proudly on a large corner lot with plenty of front and backyard space-perfect for outdoor living, gardening, or future expansion. This North Jackson gem has good bones and tons of untapped potential for the right buyer. With a little TLC, this property can easily shine again. The home offers a traditional layout with a comfortable living area, cozy bedrooms, and a kitchen ready to be reimagined. Investors will appreciate the strong rental demand in this area, while homeowners can envision creating their dream space without breaking the bank. Whether you're looking for a profitable investment project or a starter home you can make your own, 5440 Grafton Street is your blank canvas. Don't miss your chance to bring new life to this North Jackson classic!
Utility Allowances
Heating
$21
Fuel type selected as Natural Gas. The property includes a 'Gas Cooktop,' implying natural gas service is available. In the absence of explicit heating fuel information, Natural Gas was chosen as the most consistent and economical option.
Cooking
$8
Fuel type selected as Natural Gas, as the property details explicitly list 'Gas Cooktop' under appliances.
Water Heating
$18
Fuel type selected as Natural Gas. This is inferred to be consistent with the fuel used for cooking and assumed for heating.
Air Conditioning
$12
Property has 'Central Air' cooling. This is a fixed allowance from the schedule.
Other Electric
$69
This is a standard fixed allowance for general electricity use not covered by other specific utilities.
Water
$104
Property details indicate 'Public' water source, making it a tenant responsibility. This is a fixed allowance from the schedule.
Sewer
$60
Property details indicate 'Public Sewer,' making it a tenant responsibility. This is a fixed allowance from the schedule.
Trash Collection
$37
This is a standard fixed allowance for single-family homes as per the utility schedule.
Tenant-Owned Refrigerator
$4
A refrigerator is not mentioned as a provided appliance in the property details, so the allowance for a tenant-provided refrigerator is included.
Tenant-Owned Range/Microwave
$3
While the property includes a landlord-provided range (cooktop), a microwave is not mentioned. This allowance is included for a tenant-provided microwave.
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$309
DP3 Annual Estimate$363
DP1 Monthly Equivalent$26
DP3 Monthly Equivalent$30
Replacement Value$17,050
Basis1,069 sqft / 1957
Nearby Houses
Photo unavailable
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
5445 Grafton St
sold · 0.05 mi
Price: $115,000
3 bd / 2 ba · 1,210 sqft
Latest sale: — on Apr 29, 2022
Latest rent: $1,250 on Sep 29, 2025
Photo unavailable
327 Reed Ave
sold · 0.06 mi
Price: $77,900
3 bd / 2 ba · 1,432 sqft
Latest sale: — on Oct 05, 2023
Latest rent: —
Photo unavailable
333 Reed Ave
for_sale · 0.07 mi
Price: $110,000
3 bd / 1 ba
Latest sale: — on Oct 26, 1994
Latest rent: $1,000 on Jul 25, 2025
Photo unavailable
306 Cedars of Lebanon Rd
sold · 0.07 mi
Price: $87,500
4 bd / 2 ba · 1,442 sqft
Latest sale: — on Jan 29, 2024
Latest rent: —
Photo unavailable
312 Cedars of Lebanon Rd
sold · 0.08 mi
Price: $112,000
3 bd / 1 ba · 1,100 sqft
Latest sale: — on Mar 14, 2025
Latest rent: $1,588 on Jul 11, 2025
Photo unavailable
331 Barnes St
sold · 0.08 mi
Price: $128,000
3 bd / 2 ba · 1,532 sqft
Latest sale: — on May 01, 2024
Latest rent: —
Photo unavailable
111 Chatham Cir
sold · 0.08 mi
Price: $83,000
3 bd / 2 ba · 1,144 sqft
Latest sale: — on Jan 30, 2026
Latest rent: —
Photo unavailable
5517 Grafton St
for_sale · 0.11 mi
Price: $100,000
3 bd / 1 ba · 1,100 sqft
Latest sale: — on Jun 30, 2010
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors in interior photos (NSPIRE requires properly located smoke alarms).
- No visible GFCI-protected outlets in kitchen or bathroom (likely inspection failure if absent).
- Wall-mounted bathroom heater directly adjacent to tub — potential electrical/shock hazard if not properly installed/protected.
- Property built 1957 — potential lead-based paint hazard that requires evaluation and disclosure.
- Major systems (HVAC condenser, electrical panel, water heater) not shown — require verification; absence of documentation could delay passing if any are nonfunctional.
Assumptions
- No smoke detectors or CO alarms were visible in photos; assume none or not correctly located and that they will need installation/verification.
- Electric range present and appears operable; refrigerator not shown and may not be provided by owner.
- Floor vents and ceiling fans imply a forced-air HVAC system exists, though exterior condenser and operation were not shown and need confirmation.
- Electrical panel, water heater, and exterior HVAC units were not photographed; assume typical mid-century components that require inspection but not necessarily immediate replacement.
- Windows are older single-pane metal-frame units; assume they open for egress but may need maintenance or new hardware.
- No visible active leaks, major mold growth, or structural sagging were seen in photos; assume none present unless inspection shows otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,219 | $42,050 | $6,308 |
| 2023 | $1,213 | $42,050 | $6,308 |
| 2021 | $1,213 | $42,050 | $6,308 |
| 2020 | $1,192 | $41,550 | $6,233 |
| 2019 | $1,193 | $41,550 | $6,233 |
| 2018 | $1,180 | $41,550 | $6,233 |
| 2017 | $1,180 | $41,550 | $6,233 |
| 2016 | $1,149 | $41,550 | $6,233 |
| 2015 | $1,096 | $40,820 | $6,123 |
| 2014 | $1,094 | $40,820 | $6,123 |
| 2013 | $1,076 | $41,290 | $6,194 |
| 2012 | $1,076 | $41,290 | $6,194 |
| 2011 | $1,240 | $48,260 | $7,239 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-08 | Price Changed | $79,900 |
| 2026-01-27 | Price Changed | $89,900 |
| 2025-10-29 | Listed | $99,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-09-29 | Listed for rent | $1,350 | — |
| 2024-08-06 | Listed for rent | $1,350 | — |
| 2017-08-21 | Listed for rent | $850 | — |
| 2017-07-11 | Listed for rent | $800 | — |
| 2013-07-02 | Listed for rent | $725 | — |
| 2013-02-09 | Listed for rent | $750 | — |
| 2012-08-07 | Listed for rent | $750 | — |
Photo Gallery
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"price_sqft": 84.09728718428438,
"source_name": "MLSUnited",
"price_change": -9100,
"days_after_listed": null,
"source_listing_id": "4130080",
"price_change_percentage": null
},
{
"date": "2025-10-29",
"price": 99000,
"listing": {
"status": "for_sale",
"list_date": "2025-10-29T23:54:40Z",
"list_price": 79900,
"listing_id": "2987839449",
"last_update_date": "2026-02-08T02:50:47Z",
"last_status_change_date": "2025-10-29T23:54:40Z"
},
"event_name": "Listed",
"price_sqft": 92.60991580916745,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4130080",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7709261534",
"generated_at": "2026-02-16T22:58:29.492378Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 62.4
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/69e8f35def5716a15c840a59c212a1eal-m210020225s-w1280.jpg",
"rent_price": 1194.0,
"loan_amount": 63920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/5440-Grafton-St_Jackson_MS_39206_M77092-61534",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 79900.0,
"loan_term_years": 30,
"annual_cash_flow": 11303.63,
"mortgage_monthly": 425.26,
"payment_standard": 1530.0,
"total_amount_out": 15980.0,
"additional_photos": [
"https://ap.rdcpix.com/69e8f35def5716a15c840a59c212a1eal-m1004983561s-w1280.jpg",
"https://ap.rdcpix.com/69e8f35def5716a15c840a59c212a1eal-m3485319813s-w1280.jpg",
"https://ap.rdcpix.com/69e8f35def5716a15c840a59c212a1eal-m1776271681s-w1280.jpg",
"https://ap.rdcpix.com/69e8f35def5716a15c840a59c212a1eal-m3873672447s-w1280.jpg",
"https://ap.rdcpix.com/69e8f35def5716a15c840a59c212a1eal-m3475064420s-w1280.jpg",
"https://ap.rdcpix.com/69e8f35def5716a15c840a59c212a1eal-m1031579148s-w1280.jpg",
"https://ap.rdcpix.com/69e8f35def5716a15c840a59c212a1eal-m2082342795s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 28.0,
"monthly_cash_flow": 941.97,
"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": "Fuel type selected as Natural Gas. The property includes a 'Gas Cooktop,' implying natural gas service is available. In the absence of explicit heating fuel information, Natural Gas was chosen as the most consistent and economical option.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Fuel type selected as Natural Gas, as the property details explicitly list 'Gas Cooktop' under appliances.",
"utility": "Cooking",
"allowance": 8
},
{
"note": "Fuel type selected as Natural Gas. This is inferred to be consistent with the fuel used for cooking and assumed for heating.",
"utility": "Water Heating",
"allowance": 18
},
{
"note": "Property has 'Central Air' cooling. This is a fixed allowance from the schedule.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "This is a standard fixed allowance for general electricity use not covered by other specific utilities.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property details indicate 'Public' water source, making it a tenant responsibility. This is a fixed allowance from the schedule.",
"utility": "Water",
"allowance": 104
},
{
"note": "Property details indicate 'Public Sewer,' making it a tenant responsibility. This is a fixed allowance from the schedule.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "This is a standard fixed allowance for single-family homes as per the utility schedule.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "A refrigerator is not mentioned as a provided appliance in the property details, so the allowance for a tenant-provided refrigerator is included.",
"utility": "Tenant-Owned Refrigerator",
"allowance": 4
},
{
"note": "While the property includes a landlord-provided range (cooktop), a microwave is not mentioned. This allowance is included for a tenant-provided microwave.",
"utility": "Tenant-Owned Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.71,
"down_payment_amount": 15980.0,
"property_tax_annual": 1255.57,
"property_tax_monthly": 104.63,
"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": 6200.49,
"property_management_monthly": 119.4,
"monthly_cash_flow_after_debt": 516.71,
"cash_on_cash_return_after_debt": 0.39
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3BR / 1BA 1957 single-family shows solid 'good bones' and is likely to pass a Housing Choice Voucher initial inspection after addressing a handful of minor-to-moderate items. Key needs before leasing: install/verify smoke detectors (required), install GFCI protection in kitchen and bathroom as required, confirm central HVAC and hot water operation, verify electrical panel and bathroom heater safety, and perform cosmetic repairs (cabinet/trim, paint touch-up, floor refinishing, minor roof/soffit inspection). With 1–4 days of targeted fixes plus system verifications it should be rent-ready; if systems require replacement expect longer. Rental history is recent which supports readiness.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition and Repairs",
"score": 70.0,
"rationale": "Cosmetic but serviceable interior: painted walls and floors show wear, some trim/cabinet damage in kitchen, older cabinetry and finishes, and minor ceiling imperfections. Kitchen has a working electric range present but no refrigerator shown. Bathroom fixtures present and appear functional. Overall condition indicates mostly cosmetic and minor repair needs (paint, cabinet hardware, threshold/trim, minor floor refinishing). No visible major structural deterioration inside."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items either not visible or likely noncompliant: no smoke detectors are visible in photos, and GFCI outlets are not apparent in kitchen or bathroom (likely missing). Entry hardware/deadbolt not clearly visible. Windows appear to provide bedroom egress but are older single-pane metal frames — functional but may need maintenance. There is a wall-mounted bathroom heater adjacent to tub (requires verification of safe installation/GFCI). No obvious active leaks, large mold, collapsed ceilings or exposed high-voltage wiring were observed. These gaps create moderate risk of inspection failures until verified/ corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "House shows floor registers and ceiling fans indicating forced-air system may exist, but no exterior HVAC equipment or water heater is pictured. Electrical panel and water heater not visible. Plumbing fixtures (sink, toilet, tub) are present; stove is electric. Roof appears intact from front view with no obvious sagging but looks aged. Because major systems are not directly shown, a moderate score reflects likely operability but need for verification (HVAC operation, hot water, electrical panel condition, water heater age and drainage)."
},
{
"key": "exterior_site",
"label": "Exterior and Site",
"score": 75.0,
"rationale": "Exterior shows an intact siding envelope, intact foundation vents, a covered carport, and no visible roof sagging or active leaks from photos. Yard and driveway are serviceable with leaf/yard clean-up needed. No standing water or obvious pest infestation seen. Some roof aging/leaf debris is present and should be cleaned/inspected, but overall the site is in fair-good condition."
},
{
"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 smoke detectors in interior photos (NSPIRE requires properly located smoke alarms).",
"No visible GFCI-protected outlets in kitchen or bathroom (likely inspection failure if absent).",
"Wall-mounted bathroom heater directly adjacent to tub — potential electrical/shock hazard if not properly installed/protected.",
"Property built 1957 — potential lead-based paint hazard that requires evaluation and disclosure.",
"Major systems (HVAC condenser, electrical panel, water heater) not shown — require verification; absence of documentation could delay passing if any are nonfunctional."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or CO alarms were visible in photos; assume none or not correctly located and that they will need installation/verification.",
"Electric range present and appears operable; refrigerator not shown and may not be provided by owner.",
"Floor vents and ceiling fans imply a forced-air HVAC system exists, though exterior condenser and operation were not shown and need confirmation.",
"Electrical panel, water heater, and exterior HVAC units were not photographed; assume typical mid-century components that require inspection but not necessarily immediate replacement.",
"Windows are older single-pane metal-frame units; assume they open for egress but may need maintenance or new hardware.",
"No visible active leaks, major mold growth, or structural sagging were seen in photos; assume none present unless inspection shows otherwise."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-1"
},
{
"summary": "Property is generally structurally sound and cosmetically dated — likely to pass a Housing Choice Voucher inspection after addressing several easily fixed safety items. Main barriers: missing/undocumented smoke and CO detectors, probable absence of GFCI in kitchen/bath, and a likely absence of a secure deadbolt on the entry. Systems (HVAC, water heater, electrical panel) are not shown but vents and recent rental activity suggest they exist; a short service/verification and installation of required detectors/outlet protection should make the unit rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior and exterior show mostly cosmetic deferred maintenance: worn painted wood floors, scuffed cabinets, older but present appliances (electric stove), and dated bathroom finishes. No visible collapsed ceilings or large holes. Kitchen cabinets and bathroom will need repairs/paint; some trim and floor touch-up required. Missing outlet covers are minimal. Overall turn-key achievable with minor-to-moderate repairs (cosmetic and finish work) rather than major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Photos show no visible smoke detectors or CO alarms (required by NSPIRE depending on fuel appliances), no visible deadbolt on entry, and no obvious GFCI outlet at the kitchen sink area. Bedrooms appear to have windows but the window type (multi-lite steel frame) may not meet egress opening size requirements without verification. No exposed wiring or obvious active hazards visible. These checklist items create probable inspection issues and will likely require quick fixes (install smoke/CO detectors, add deadbolt, retrofit GFCI) before pass."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Floor vents and a return grille are visible indicating a central forced-air system or ducted heat; equipment (furnace/AC, water heater, electrical panel) is not shown. Roof appears aged with surface debris but no visible sag or active leak staining inside. Plumbing fixtures appear present and functional in photos; water heater and electrical panel not visible. Given visual evidence, systems likely present but unverified and may need service/verification; moderate risk for failing items if not serviced."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Large corner lot with intact siding, brick foundation vents visible, carport and driveway present. Mature trees close to roof (leaf debris) but no visible major foundation cracks or standing water in front yard. Walkway and driveway show normal age-related wear. Overall exterior condition is sound and low-risk for immediate structural failure; routine maintenance (roof debris clearing, gutter check) recommended."
},
{
"key": "rental_history_activity",
"label": "Recent rental / occupancy history (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors (NSPIRE requirement) — likely automatic inspection fail until corrected.",
"No visible carbon monoxide alarm despite presence of wall heater/possible fuel-burning equipment — CO alarm likely required.",
"No visible deadbolt on main entry door (security concern / often required).",
"No visible GFCI-protected receptacles at kitchen sink and likely bathroom — electrical safety item that may be cited.",
"Older multi-lite windows — potential egress noncompliance if opening size is inadequate (needs measurement)."
],
"confidence": 0.65,
"assumptions": [
"Property has a functioning furnace/central HVAC or ducted heat (floor vents and return are visible) though exterior condensing unit and equipment were not photographed.",
"Water heater and electrical service exist and were operational recently (supported by recent rental history), but their condition and capacity are unverified.",
"No smoke detectors or CO alarms are present (none visible in photos) and will need installation to meet NSPIRE.",
"Kitchen and bathroom outlets are older and likely not GFCI-protected; GFCI retrofit will probably be required.",
"No active roof leaks or major structural movement visible in interior photos; roof is aged but not showing active interior damage.",
"Entry door may not have a deadbolt (not visible in photos) and should be fitted with one to satisfy typical Housing Authority expectations.",
"Bedrooms’ windows appear to provide light/egress but exact dimensions and ability to open for egress were not measured and should be verified."
],
"overall_score": 70.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026"
},
{
"summary": "This 3-bed single-family appears structurally intact and largely cosmetically updated but has several NSPIRE-level safety shortfalls that must be addressed before a successful initial HCV inspection. The home is repairable and would likely be rent-ready in 30–60 days if systems are functional and required safety items are installed: add/verify smoke and CO detectors, install GFCI outlets in kitchen and bathroom, confirm HVAC/water heater/electrical panel operability, and address minor cosmetic and cabinetry repairs. Roof and mechanicals should be inspected to confirm no hidden failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior finishes are intact but dated: painted wood floors with scuffs, worn kitchen cabinets/countertops, and minor drywall/ceiling imperfections. A working electric range is present but no refrigerator shown. Cosmetic TLC (paint, cabinetry repair, flooring touch-ups) and minor carpentry will be needed but no visible widespread deterioration or exposed structural members. These are mostly easy-to-fix, capital-only items."
},
{
"key": "safety_code",
"label": "Section 8/NSPIRE safety & code risks",
"score": 45.0,
"rationale": "Photos do not show any smoke detectors or CO alarms and none are visible in common areas or bedrooms — absence would fail inspection. Kitchen and bathroom outlets do not show GFCI receptacles (required). The bathroom contains a wall heater that should be verified for safe installation/clearances. Entry door deadbolt not visible. Windows in bedrooms appear to be operable egress-style but dimensions are not confirmed. No visible exposed wiring or obvious active leaks, but missing detectors and lack of GFCI are likely inspection failures until corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 50.0,
"rationale": "Floor vents and a ceiling vent grille indicate a ducted system, but no HVAC unit or thermostat is shown; operability is unknown. Water heater and electrical panel are not visible in photos. Roof appears aged with leaf/debris accumulation but no obvious sagging or active leaks visible from exterior photo. Plumbing fixtures (kitchen sink, bathroom fixtures) are present; hot water availability not verified. Mechanical condition is uncertain and will require functional verification; risk is moderate until tested."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 65.0,
"rationale": "Exterior siding, foundation vents and porch/carport look intact. Large trees close to the house may require routine trimming. Driveway is serviceable though shows wear. Yard and walk surfaces are generally safe (no visible collapsed steps, major trip hazards, or standing water). Roof shingles look aged but not visibly collapsed. Overall exterior maintenance is fair; typical minor remediation likely."
},
{
"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 smoke detectors/CO alarms visible — likely fail until installed/verified.",
"No GFCI receptacles observed in kitchen or bathroom — likely fail until installed.",
"Unknown status of HVAC and water heater (no unit or thermostat shown) — must be verified before inspection.",
"Aged roof with debris present — recommend close inspection for leaks/remaining life.",
"Bathroom wall heater present; requires verification for safe installation and clearances."
],
"confidence": 0.65,
"assumptions": [
"No smoke detectors or CO alarms are present because none are visible in interior photos.",
"GFCI protection is absent in kitchen and bathroom outlets based on photos (no GFCI receptacle faceplates visible).",
"Central HVAC unit and water heater are present but not shown; operability is unknown and assumed unverified.",
"Electrical panel location and condition are unknown (not photographed).",
"Windows appear to provide bedroom egress but exact dimensions and operability are not measured; assumed likely acceptable but unconfirmed.",
"No active roof leaks or structural sagging observed in photos; assumed not present but roof appears aged and may need replacement in near term.",
"Refrigerator is not shown; assume none included or not guaranteed operational."
],
"overall_score": 58.0,
"rubric_version": "nsPIRE_v1_2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5440 Grafton St, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall this 3BR / 1BA 1957 single-family shows solid 'good bones' and is likely to pass a Housing Choice Voucher initial inspection after addressing a handful of minor-to-moderate items. Key needs before leasing: install/verify smoke detectors (required), install GFCI protection in kitchen and bathroom as required, confirm central HVAC and hot water operation, verify electrical panel and bathroom heater safety, and perform cosmetic repairs (cabinet/trim, paint touch-up, floor refinishing, minor roof/soffit inspection). With 1–4 days of targeted fixes plus system verifications it should be rent-ready; if systems require replacement expect longer. Rental history is recent which supports readiness.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition and Repairs",
"score": 70.0,
"rationale": "Cosmetic but serviceable interior: painted walls and floors show wear, some trim/cabinet damage in kitchen, older cabinetry and finishes, and minor ceiling imperfections. Kitchen has a working electric range present but no refrigerator shown. Bathroom fixtures present and appear functional. Overall condition indicates mostly cosmetic and minor repair needs (paint, cabinet hardware, threshold/trim, minor floor refinishing). No visible major structural deterioration inside."
},
{
"key": "exterior_site",
"label": "Exterior and Site",
"score": 71.7,
"rationale": "Exterior shows an intact siding envelope, intact foundation vents, a covered carport, and no visible roof sagging or active leaks from photos. Yard and driveway are serviceable with leaf/yard clean-up needed. No standing water or obvious pest infestation seen. Some roof aging/leaf debris is present and should be cleaned/inspected, but overall the site is in fair-good condition."
},
{
"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."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 51.7,
"rationale": "Several NSPIRE safety items either not visible or likely noncompliant: no smoke detectors are visible in photos, and GFCI outlets are not apparent in kitchen or bathroom (likely missing). Entry hardware/deadbolt not clearly visible. Windows appear to provide bedroom egress but are older single-pane metal frames — functional but may need maintenance. There is a wall-mounted bathroom heater adjacent to tub (requires verification of safe installation/GFCI). No obvious active leaks, large mold, collapsed ceilings or exposed high-voltage wiring were observed. These gaps create moderate risk of inspection failures until verified/ corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 56.7,
"rationale": "House shows floor registers and ceiling fans indicating forced-air system may exist, but no exterior HVAC equipment or water heater is pictured. Electrical panel and water heater not visible. Plumbing fixtures (sink, toilet, tub) are present; stove is electric. Roof appears intact from front view with no obvious sagging but looks aged. Because major systems are not directly shown, a moderate score reflects likely operability but need for verification (HVAC operation, hot water, electrical panel condition, water heater age and drainage)."
}
],
"red_flags": [
"No visible smoke detectors in interior photos (NSPIRE requires properly located smoke alarms).",
"No visible GFCI-protected outlets in kitchen or bathroom (likely inspection failure if absent).",
"Wall-mounted bathroom heater directly adjacent to tub — potential electrical/shock hazard if not properly installed/protected.",
"Property built 1957 — potential lead-based paint hazard that requires evaluation and disclosure.",
"Major systems (HVAC condenser, electrical panel, water heater) not shown — require verification; absence of documentation could delay passing if any are nonfunctional."
],
"confidence": 0.74,
"assumptions": [
"No smoke detectors or CO alarms were visible in photos; assume none or not correctly located and that they will need installation/verification.",
"Electric range present and appears operable; refrigerator not shown and may not be provided by owner.",
"Floor vents and ceiling fans imply a forced-air HVAC system exists, though exterior condenser and operation were not shown and need confirmation.",
"Electrical panel, water heater, and exterior HVAC units were not photographed; assume typical mid-century components that require inspection but not necessarily immediate replacement.",
"Windows are older single-pane metal-frame units; assume they open for egress but may need maintenance or new hardware.",
"No visible active leaks, major mold growth, or structural sagging were seen in photos; assume none present unless inspection shows otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 62.4,
"rubric_version": "2026-02-NSPIRE-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7709261534"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.