Property ID: 7716973658
2920 Oak Forest Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $17,280
CoC Return: 42.85%
Monthly Cash Flow: $617
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$14,400
Closing Costs
$2,880
Total Down
$17,280
Investment Snapshot
Purchase Price
$72,000
Money Down
$17,280
Cash-on-Cash Return
42.85%
Rent
$1,241
Monthly Cash Flow
$617
Annual Cash Flow
$7,405
Debt Service / Mo
$383
Property Tax / Mo
$86
Insurance / Mo
$31
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,241
Payment Standard
$1,620
Rent
$1,241
Insurance
$31
Property Tax
$86
Management
$124
Utilities Allowance
$379
NOI (Monthly)
$1,000
Debt Service
$383
Cash Flow After Debt
$617
Quality Score: 71.60%
Confidence: 89.00%
This 3-bed/2-bath single-family home appears largely move-in ready from photos: clean interiors, sound hardwood floors, functional kitchen and baths, and an intact exterior. Main inspection risks are missing/unknown items that cannot be confirmed in photos (smoke/CO detectors, GFCI outlets, operational HVAC/electrical panel, presence of range/refrigerator). No signs of major structural, roof, or active water damage observed. Expect likely pass with 1–2 weeks of checklist fixes (install/verify detectors, GFCI, supply or install stove/refrigerator, repair small kitchen baseboard opening) and a short mechanical verification. Overall readiness: minor repairs required but likely Section 8/NSPIRE passable after basic items are addressed.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,241
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$72,000
Beds
3
Baths
2
Living Area
1,100 sqft
Lot Size
13,504 sqft
Year Built
1955
Days on Market
39
Capital Outlay
$17,280
Debt Service
$383
Property Tax / Mo
$86
Insurance / Mo
$31
Property Description
MUST SEE - Move-In Ready This charming 3 bedroom 2 bath home in the Oak Forest area is ready for it's new owner. Whether interested in purchasing your next home or an investment opportunity, look no further.
Utility Allowances
Air Conditioning
$12
Selected based on the property having 'Central Air' and using the fixed allowance from the schedule for a 3-bedroom unit.
Cooking (Electric)
$11
The property's heating system is electric, so electric cooking was assumed to be the most consistent choice. The 'electric' option was selected from the schedule.
Heating (Electric)
$50
The property listing explicitly states 'Electric' heating. The 'electric' option was chosen from the schedule.
Other Electric
$69
This standard allowance for general electric use (lights, outlets) is applicable to all residential units and was selected from the schedule.
Range/Microwave
$3
The property listing states 'Appliances: None', so this allowance for a tenant-owned appliance is included.
Refrigerator
$4
The property listing states 'Appliances: None', so this allowance for a tenant-owned appliance is included.
Sewer
$60
The property listing specifies 'Public Sewer', so the fixed allowance from the schedule was used.
Trash Collection
$37
Trash collection is a standard utility for single-family homes and is assumed to be tenant-paid.
Water
$104
The property listing specifies a 'Public' water source, so the fixed allowance from the schedule was used.
Water Heating (Electric)
$29
As the primary heating source is electric, the water heater is also assumed to be electric for consistency. The 'electric' option was selected.
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$363
DP3 Annual Estimate$380
DP1 Monthly Equivalent$30
DP3 Monthly Equivalent$32
Replacement Value$22,420
Basis1,100 sqft / 1955
Nearby Houses
Photo unavailable
2914 Oak Forest Dr
for_sale · 0.01 mi
Price: $100,000
3 bd / 1 ba · 1,170 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2926 Oak Forest Dr
sold · 0.01 mi
Price: $33,000
3 bd / 2 ba · 1,170 sqft
Latest sale: — on Jul 11, 2025
Latest rent: $1,350 on Oct 25, 2025
Photo unavailable
2938 Oak Forest Dr
sold · 0.04 mi
Price: $93,500
3 bd / 2 ba · 1,726 sqft
Latest sale: — on Sep 19, 2025
Latest rent: $750 on Mar 01, 2017
Photo unavailable
2943 Woodside Dr
sold · 0.04 mi
Price: $22,500
3 bd / 1 ba · 1,124 sqft
Latest sale: — on Jun 08, 2023
Latest rent: $700 on Feb 06, 2019
Photo unavailable
2880 Oak Forest Dr
sold · 0.06 mi
Price: $105,000
3 bd / 2 ba · 1,170 sqft
Latest sale: — on Apr 29, 2025
Latest rent: $1,400 on Jun 27, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC is present and functional because ceiling supply registers and return are visible; operation not verified.
- No smoke or carbon monoxide detectors are visible in photos; assume they are not present or not in required locations until proven otherwise. Installer required if missing.
- No refrigerator or stove/range is visible; assume appliances are not provided. Missing stove/fridge considered a capital item, not immediate safety failure.
- Electrical panel is not shown; assume it is present and covered inside the unit or utility area and has no obvious exposed wiring from photos.
- No active roof leaks or major water intrusion observed in photos; ceiling texture imperfections are cosmetic.
- No evidence of severe lead-based paint or active mold is visible in photos; assume typical risk for a 1955-built home but no visible high-risk conditions.
- Front entry deadbolt and exterior lighting not visible; assume standard locks exist but recommend verification.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $998 | $34,420 | $5,163 |
| 2023 | $993 | $34,420 | $5,163 |
| 2021 | $993 | $34,420 | $5,163 |
| 2020 | $969 | $33,770 | $5,066 |
| 2019 | $969 | $33,770 | $5,066 |
| 2018 | $959 | $33,770 | $5,066 |
| 2017 | $959 | $33,770 | $5,066 |
| 2016 | $1,244 | $44,980 | $6,747 |
| 2015 | $1,188 | $44,250 | $6,638 |
| 2014 | $611 | $44,250 | $4,425 |
| 2013 | $589 | $44,250 | $4,425 |
| 2012 | $589 | $44,250 | $4,425 |
| 2011 | $1,107 | $43,080 | $6,462 |
| 2010 | $1,100 | $43,080 | $6,462 |
| 2009 | $1,123 | $43,950 | $6,593 |
| 2008 | $1,123 | $37,260 | $5,589 |
| 2007 | $962 | $37,260 | $5,589 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-07 | Listing removed | $0 |
| 2026-02-04 | Listed for rent | $1,075 |
| 2026-02-04 | Listed for rent | $1,075 |
| 2026-01-08 | Listed | $72,000 |
| 2025-12-06 | Listing removed | $0 |
| 2025-12-04 | Listing removed | $0 |
| 2025-11-03 | Listed for rent | $1,075 |
| 2025-10-06 | Listing removed | $0 |
| 2025-10-04 | Price Changed for rent | $1,075 |
| 2025-10-03 | Price Changed for rent | $1,075 |
| 2025-10-01 | Listed for rent | $1,150 |
| 2025-09-07 | Listing removed | $0 |
| 2025-09-01 | Listed for rent | $1,150 |
| 2025-08-08 | Listing removed | $0 |
| 2025-08-01 | Listed for rent | $1,150 |
| 2025-07-10 | Listing removed | $0 |
| 2025-07-01 | Listed for rent | $1,150 |
| 2025-06-06 | Listing removed | $0 |
| 2025-06-01 | Listed for rent | $1,150 |
| 2025-05-28 | Listing removed | $0 |
| 2025-05-15 | Listed for rent | $1,150 |
| 2025-05-04 | Listing removed | $0 |
| 2025-05-01 | Listed for rent | $1,150 |
| 2025-04-14 | Listing removed | $0 |
| 2025-04-10 | Listed for rent | $1,150 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-12-06 | Listed for rent | $1,075 | — |
| 2025-02-01 | Listed for rent | $1,150 | — |
| 2023-06-27 | Listed for rent | $1,195 | — |
| 2017-04-28 | Listed for rent | $800 | — |
| 2016-03-02 | Listed for rent | $800 | — |
| 2014-10-29 | Listed for rent | $800 | — |
Photo Gallery
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"last_update_date": "2026-02-07T01:15:26Z",
"last_status_change_date": "2026-02-07T02:20:02Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.0454545454545454,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "61047002",
"price_change_percentage": null
},
{
"date": "2025-05-04",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-04-09T07:27:32Z",
"list_price": 1075,
"listing_id": "2980345946",
"last_update_date": "2026-02-07T01:15:26Z",
"last_status_change_date": "2026-02-07T02:20:02Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "61047002",
"price_change_percentage": null
},
{
"date": "2025-05-01",
"price": 1150,
"listing": {
"status": "off_market",
"list_date": "2025-04-09T07:27:32Z",
"list_price": 1075,
"listing_id": "2980345946",
"last_update_date": "2026-02-07T01:15:26Z",
"last_status_change_date": "2026-02-07T02:20:02Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.0454545454545454,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "61047002",
"price_change_percentage": null
},
{
"date": "2025-04-14",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-04-09T07:27:32Z",
"list_price": 1075,
"listing_id": "2980345946",
"last_update_date": "2026-02-07T01:15:26Z",
"last_status_change_date": "2026-02-07T02:20:02Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "61047002",
"price_change_percentage": null
},
{
"date": "2025-04-10",
"price": 1150,
"listing": {
"status": "off_market",
"list_date": "2025-04-10T12:24:53Z",
"list_price": 1150,
"listing_id": "2980396762",
"last_update_date": "2025-04-10T12:24:53Z",
"last_status_change_date": "2025-04-10T12:24:53Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.0454545454545454,
"source_name": "Rent.",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "r3842529",
"price_change_percentage": null
},
{
"date": "2025-04-09",
"price": 1150,
"listing": {
"status": "off_market",
"list_date": "2025-04-09T07:27:32Z",
"list_price": 1075,
"listing_id": "2980345946",
"last_update_date": "2026-02-07T01:15:26Z",
"last_status_change_date": "2026-02-07T02:20:02Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.0454545454545454,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "61047002",
"price_change_percentage": null
},
{
"date": "2025-02-01",
"price": 1150,
"listing": {
"status": "for_rent",
"list_date": null,
"list_price": 1075,
"listing_id": "2977845434",
"last_update_date": "2026-02-07T00:40:08Z",
"last_status_change_date": "2026-02-04T12:26:29Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.0454545454545454,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "8497ea4b-9895-11ef-87c2-06d64c3d8bfe",
"price_change_percentage": null
},
{
"date": "2022-03-03",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2021-10-26T17:24:13Z",
"list_price": 89000,
"listing_id": "2935988292",
"last_update_date": "2022-01-17T21:00:57Z",
"last_status_change_date": "2022-03-03T08:20:09Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1345113",
"price_change_percentage": null
},
{
"date": "2021-10-27",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2021-10-22T02:04:37Z",
"list_price": 89000,
"listing_id": "2935851610",
"last_update_date": "2021-10-22T02:01:32Z",
"last_status_change_date": "2021-10-27T17:31:22Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "1 day",
"source_listing_id": "345113",
"price_change_percentage": null
},
{
"date": "2021-10-26",
"price": 89000,
"listing": {
"status": "off_market",
"list_date": "2021-10-26T17:24:13Z",
"list_price": 89000,
"listing_id": "2935988292",
"last_update_date": "2022-01-17T21:00:57Z",
"last_status_change_date": "2022-03-03T08:20:09Z"
},
"event_name": "Listed",
"price_sqft": 80.9090909090909,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1345113",
"price_change_percentage": null
},
{
"date": "2021-10-22",
"price": 89000,
"listing": {
"status": "off_market",
"list_date": "2021-10-22T02:04:37Z",
"list_price": 89000,
"listing_id": "2935851610",
"last_update_date": "2021-10-22T02:01:32Z",
"last_status_change_date": "2021-10-27T17:31:22Z"
},
"event_name": "Listed",
"price_sqft": 80.9090909090909,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "345113",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7716973658",
"generated_at": "2026-02-16T23:20:46.412745Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 71.6
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/58fec24c12f02d779829f0062de83ec7l-m370875284s-w1280.jpg",
"rent_price": 1241.0,
"loan_amount": 57600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2920-Oak-Forest-Dr_Jackson_MS_39212_M77169-73658",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 72000.0,
"loan_term_years": 30,
"annual_cash_flow": 12003.36,
"mortgage_monthly": 383.21,
"payment_standard": 1620.0,
"total_amount_out": 14400.0,
"additional_photos": [
"https://ap.rdcpix.com/58fec24c12f02d779829f0062de83ec7l-m784827609s-w1280.jpg",
"https://ap.rdcpix.com/58fec24c12f02d779829f0062de83ec7l-m3427520334s-w1280.jpg",
"https://ap.rdcpix.com/58fec24c12f02d779829f0062de83ec7l-m1778325353s-w1280.jpg",
"https://ap.rdcpix.com/58fec24c12f02d779829f0062de83ec7l-m1313192996s-w1280.jpg",
"https://ap.rdcpix.com/58fec24c12f02d779829f0062de83ec7l-m1371571811s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 30.96,
"monthly_cash_flow": 1000.28,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Selected based on the property having 'Central Air' and using the fixed allowance from the schedule for a 3-bedroom unit.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "The property's heating system is electric, so electric cooking was assumed to be the most consistent choice. The 'electric' option was selected from the schedule.",
"utility": "Cooking (Electric)",
"allowance": 11
},
{
"note": "The property listing explicitly states 'Electric' heating. The 'electric' option was chosen from the schedule.",
"utility": "Heating (Electric)",
"allowance": 50
},
{
"note": "This standard allowance for general electric use (lights, outlets) is applicable to all residential units and was selected from the schedule.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "The property listing states 'Appliances: None', so this allowance for a tenant-owned appliance is included.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property listing states 'Appliances: None', so this allowance for a tenant-owned appliance is included.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property listing specifies 'Public Sewer', so the fixed allowance from the schedule was used.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Trash collection is a standard utility for single-family homes and is assumed to be tenant-paid.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property listing specifies a 'Public' water source, so the fixed allowance from the schedule was used.",
"utility": "Water",
"allowance": 104
},
{
"note": "As the primary heating source is electric, the water heater is also assumed to be electric for consistency. The 'electric' option was selected.",
"utility": "Water Heating (Electric)",
"allowance": 29
}
],
"cash_on_cash_return": 0.83,
"down_payment_amount": 14400.0,
"property_tax_annual": 1027.94,
"property_tax_monthly": 85.66,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/fmr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39212/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 7404.79,
"property_management_monthly": 124.1,
"monthly_cash_flow_after_debt": 617.07,
"cash_on_cash_return_after_debt": 0.51
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed/2-bath single-family home appears largely move-in ready from photos: clean interiors, sound hardwood floors, functional kitchen and baths, and an intact exterior. Main inspection risks are missing/unknown items that cannot be confirmed in photos (smoke/CO detectors, GFCI outlets, operational HVAC/electrical panel, presence of range/refrigerator). No signs of major structural, roof, or active water damage observed. Expect likely pass with 1–2 weeks of checklist fixes (install/verify detectors, GFCI, supply or install stove/refrigerator, repair small kitchen baseboard opening) and a short mechanical verification. Overall readiness: minor repairs required but likely Section 8/NSPIRE passable after basic items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show freshly painted walls, intact hardwood floors, and generally clean surfaces — overall cosmetically sound. Kitchen and bathroom cabinetry show wear and baseboard/trim have some damage. No major interior structural damage visible. Missing major kitchen appliances (no visible range/stove or refrigerator) and a small unfinished opening near the floor in the kitchen reduce score moderately. These are largely cosmetic or capital items that are easy-to-fix."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk (NSPIRE)",
"score": 65.0,
"rationale": "No obvious exposed wiring, active leaks, standing water, or collapsed ceilings seen in photos. Bedroom windows look like they provide egress. Ceiling vents and lights present. However, smoke detectors and carbon monoxide alarms are not visible in photos and their presence/location is unknown (NSPIRE requires properly located smoke detectors). GFCI presence in kitchen/bath cannot be verified. Entry door hardware (deadbolt) is not visible. Because several required items cannot be confirmed from photos, assign moderate risk though nothing in images shows life-threatening hazards."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Ceiling HVAC supply registers and a ceiling fan are visible indicating central forced-air heating/cooling likely present. Plumbing fixtures (toilet, tub, sink) are present and appear intact. Roof appears in good condition from front elevation (shingles look serviceable). Water heater, electrical panel, and operational status of HVAC cannot be verified from photos. No visible signs of active water intrusion or major foundation movement. Moderate score because presence looks likely but operation and code compliance unknown."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front elevation shows a solid-looking single-story home with carport, intact siding, and modest landscaping. Yard and driveway are functional; no visible major grading or drainage failures from provided image. Brick foundation skirt looks intact. No visible infestation, severe rot, or collapsed elements. Score lowered slightly because only one exterior angle provided and condition of roof flashing/gutters/drainage not fully visible."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and functional because ceiling supply registers and return are visible; operation not verified.",
"No smoke or carbon monoxide detectors are visible in photos; assume they are not present or not in required locations until proven otherwise. Installer required if missing.",
"No refrigerator or stove/range is visible; assume appliances are not provided. Missing stove/fridge considered a capital item, not immediate safety failure.",
"Electrical panel is not shown; assume it is present and covered inside the unit or utility area and has no obvious exposed wiring from photos.",
"No active roof leaks or major water intrusion observed in photos; ceiling texture imperfections are cosmetic.",
"No evidence of severe lead-based paint or active mold is visible in photos; assume typical risk for a 1955-built home but no visible high-risk conditions.",
"Front entry deadbolt and exterior lighting not visible; assume standard locks exist but recommend verification."
],
"overall_score": 77.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "This 3BR/2BA single-family appears generally move-in ready with sound exterior, intact floors, functioning plumbing fixtures, and an apparent central HVAC system. Primary defects visible are missing kitchen major appliances (stove/fridge) and some cosmetic cabinet/trim wear. Key NSPIRE verification items not shown in photos include smoke/CO detectors, GFCI protection, electrical panel condition, and operation of HVAC/water heater. With installation/verification of detectors, GFCI, and placement of kitchen appliances plus a brief systems check, the property is likely to pass an initial HCV inspection within 1–3 weeks. If any unseen system failures are found on-site (electrical faults, non-working HVAC, or water heater issues) that could extend repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted with intact hardwood and new-looking vinyl plank in kitchen; cabinets and fixtures are present though a few cabinet faces and base trims show wear. No major structural damage visible. Missing range and refrigerator (no stove visible in kitchen photos) and some minor finish repairs around the former range area reduce the score moderately. Overall cosmetic condition is good and only minor repairs/cosmetic touch-ups and appliance installation are needed to be tenant-ready."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, visible severe water stains, or exposed live wiring). Bedrooms have windows for egress. However no smoke detectors or CO alarms are visible in the supplied photos (NSPIRE requires detectors appropriately located), GFCI outlets are not visible in kitchen/bath photos, and the electrical panel location/condition is not clearly shown. Entry door deadbolt is not visible in images. These unknowns present moderate NSPIRE risk and will likely require verification/installation during inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Roof appears recently shingled and in good visible condition from the front photo. Ceiling vents are visible indicating a central HVAC system is present; operation not verified. Plumbing fixtures (toilet, tub, vanity, kitchen sink) are installed and look serviceable in photos. Water heater and electrical panel are not shown; condition of those systems is unverified. No active leaks or standing water visible. Because major systems are present but not fully verifiable from photos, score reflects likely serviceable condition but requires in‑person functional checks."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior siding and foundation skirt appear in good condition, front yard and driveway look serviceable, and there is a covered carport. Front steps have a small handrail visible. No significant drainage, erosion, or site neglect is evident from the photos. Landscaping is basic but acceptable. Score reduced slightly for lack of visible gutters/downspouts detail and limited views of rear yard/sidewalks."
},
{
"key": "rental_history_activity",
"label": "Rental History (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 or carbon monoxide alarms in supplied photos — NSPIRE requires verified detectors in sleeping areas and common halls.",
"No visible GFCI outlets in kitchen/bath images — may require installation to meet code/inspection.",
"Kitchen stove/range and refrigerator not shown (appliances missing) — will need to be provided prior to move-in.",
"Electrical panel location/condition not clearly documented in photos — inspector will need to verify panel accessibility, labeling, and cover condition."
],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in the photos; assume they are absent or not verifiable and will need in-person confirmation/installation.",
"Central HVAC exists (ceiling vents visible); assumed operational but not verified—functional testing required.",
"Water heater and main electrical panel are present somewhere on site but not shown; assumed serviceable unless in-person inspection finds otherwise.",
"No active roof leaks or major water intrusion are present (no visible water stains or mold in interior photos).",
"Windows in bedrooms provide required egress based on visible size/height in photos.",
"Missing range and refrigerator are not counted as immediate safety failures but reduce condition score and will need to be provided before tenancy.",
"No evidence of severe pest infestation, significant mold, or foundation failure was visible in supplied photos; absence does not guarantee none present."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3 bed / 2 bath single-family property is broadly move-in ready from a cosmetic and envelope standpoint. The house shows well-maintained floors, cabinets, and finishes with an apparently sound roof and intact exterior. The most likely inspection issues are missing smoke/CO detectors and missing GFCI protection in kitchen/bath (not visible in photos), and the apparent absence of a range/refrigerator. These are relatively easy fixes (detectors, GFCI outlets, install appliances). No major structural or life-safety failures are visible. With installation of required detectors, verification of HVAC and water heater operation, and installation of the missing appliances, the property would likely pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior appears clean and recently painted with intact hardwood floors in living/bedrooms and newer-looking vinyl plank in kitchen/bath. Minor cosmetic defects visible: patchy ceiling texture/ small cracks, scuffed baseboards, and some cabinet wear. Major appliances (range and refrigerator) are not visible in photos (range opening and hood present but appliance missing) — missing appliances reduce readiness moderately but are an easy capital fix. No visibly collapsed finishes or exposed subfloor. Overall condition indicates mostly cosmetic work and installation of missing appliances is needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms are visible in interior photographs (required on each level and in/near sleeping areas) and no visible GFCI outlets in kitchen/bath (NSPIRE requires kitchen/bath GFCI). Windows in bedrooms appear to provide daylight and a likely egress path, but full egress compliance cannot be confirmed from photos. Entry door appears secure and there is a handrail at the front step; no exposed wiring or obvious electrical hazards seen in photos. Plumbing fixtures and fixtures appear serviceable. These are mostly fixable items but would likely cause an initial inspection fail until detectors and necessary GFCIs are installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 70.0,
"rationale": "Exterior roof shingles appear in good visual condition (no obvious sag or missing areas). Interior supply/return vents indicate a central HVAC system is present; operational status not verifiable from photos but vents and registers are intact. Kitchen and bathroom plumbing fixtures appear installed and serviceable; water heater and electrical panel are not shown. No visible active leaks, mold, or major water stains in ceilings or walls. Given age (1955) hidden system issues are possible but no obvious failures are visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Front elevation shows a sound roofline, painted siding, and brick foundation skirt without visible major foundation cracks. Small covered carport and a front step with railing are present. Yard is slightly overgrown but no standing water, unstable walkways, or visible infestation evidence. Overall exterior appears well maintained and not a major barrier to inspection readiness."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos – NSPIRE requires alarms in sleeping areas and on each level.",
"No visible GFCI-protected outlets in kitchen or bathroom areas (may cause immediate inspection failure).",
"Missing major kitchen appliances (range and refrigerator) as shown — will delay tenant move-in unless supplied.",
"Ceiling shows surface patching/ hairline cracks in several rooms — while not currently structural, these should be evaluated for past water intrusion."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC system is present and operational (supply/return vents visible); functionality was not tested in photos.",
"Water heater and electrical panel are present and intact but not visible in photos; assumed serviceable unless inspection reveals otherwise.",
"Bedrooms have egress-capable windows based on visible window sizes; exact egress dimensions cannot be confirmed from photos.",
"No smoke detectors or CO alarms were seen in images; assume they are not installed or not visible and will need to be confirmed/installed.",
"GFCI protection in kitchen and bathroom was not visible in photos and is assumed absent until verified; installation likely required.",
"Missing major appliances (range and refrigerator) are inferred from photos showing a gap/hood and no fridge; these are considered capital items but not inspection-critical if safe hookups are present.",
"No signs of major roof leaks, active water intrusion, severe mold, or structural foundation movement were visible in provided photos; hidden issues could exist but are not evident."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2920 Oak Forest Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "This 3-bed/2-bath single-family home appears largely move-in ready from photos: clean interiors, sound hardwood floors, functional kitchen and baths, and an intact exterior. Main inspection risks are missing/unknown items that cannot be confirmed in photos (smoke/CO detectors, GFCI outlets, operational HVAC/electrical panel, presence of range/refrigerator). No signs of major structural, roof, or active water damage observed. Expect likely pass with 1–2 weeks of checklist fixes (install/verify detectors, GFCI, supply or install stove/refrigerator, repair small kitchen baseboard opening) and a short mechanical verification. Overall readiness: minor repairs required but likely Section 8/NSPIRE passable after basic items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Interior photos show freshly painted walls, intact hardwood floors, and generally clean surfaces — overall cosmetically sound. Kitchen and bathroom cabinetry show wear and baseboard/trim have some damage. No major interior structural damage visible. Missing major kitchen appliances (no visible range/stove or refrigerator) and a small unfinished opening near the floor in the kitchen reduce score moderately. These are largely cosmetic or capital items that are easy-to-fix."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 79.3,
"rationale": "Front elevation shows a solid-looking single-story home with carport, intact siding, and modest landscaping. Yard and driveway are functional; no visible major grading or drainage failures from provided image. Brick foundation skirt looks intact. No visible infestation, severe rot, or collapsed elements. Score lowered slightly because only one exterior angle provided and condition of roof flashing/gutters/drainage not fully visible."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk (NSPIRE)",
"score": 65.0,
"rationale": "No obvious exposed wiring, active leaks, standing water, or collapsed ceilings seen in photos. Bedroom windows look like they provide egress. Ceiling vents and lights present. However, smoke detectors and carbon monoxide alarms are not visible in photos and their presence/location is unknown (NSPIRE requires properly located smoke detectors). GFCI presence in kitchen/bath cannot be verified. Entry door hardware (deadbolt) is not visible. Because several required items cannot be confirmed from photos, assign moderate risk though nothing in images shows life-threatening hazards."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Ceiling HVAC supply registers and a ceiling fan are visible indicating central forced-air heating/cooling likely present. Plumbing fixtures (toilet, tub, sink) are present and appear intact. Roof appears in good condition from front elevation (shingles look serviceable). Water heater, electrical panel, and operational status of HVAC cannot be verified from photos. No visible signs of active water intrusion or major foundation movement. Moderate score because presence looks likely but operation and code compliance unknown."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Central HVAC is present and functional because ceiling supply registers and return are visible; operation not verified.",
"No smoke or carbon monoxide detectors are visible in photos; assume they are not present or not in required locations until proven otherwise. Installer required if missing.",
"No refrigerator or stove/range is visible; assume appliances are not provided. Missing stove/fridge considered a capital item, not immediate safety failure.",
"Electrical panel is not shown; assume it is present and covered inside the unit or utility area and has no obvious exposed wiring from photos.",
"No active roof leaks or major water intrusion observed in photos; ceiling texture imperfections are cosmetic.",
"No evidence of severe lead-based paint or active mold is visible in photos; assume typical risk for a 1955-built home but no visible high-risk conditions.",
"Front entry deadbolt and exterior lighting not visible; assume standard locks exist but recommend verification."
],
"score_method": "mean_of_criteria",
"overall_score": 71.6,
"rubric_version": "nsPIRE-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7716973658"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.