Property ID: 7719805870
3777 Meadow Ln, Jackson, MS, 39212
Jackson, MS
Money Down: $21,600
CoC Return: 30.02%
Monthly Cash Flow: $540
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$18,000
Closing Costs
$3,600
Total Down
$21,600
Investment Snapshot
Purchase Price
$90,000
Money Down
$21,600
Cash-on-Cash Return
30.02%
Rent
$1,341
Monthly Cash Flow
$540
Annual Cash Flow
$6,484
Debt Service / Mo
$479
Property Tax / Mo
$138
Insurance / Mo
$50
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,341
Payment Standard
$1,790
Rent
$1,341
Insurance
$50
Property Tax
$138
Management
$134
Utilities Allowance
$449
NOI (Monthly)
$1,019
Debt Service
$479
Cash Flow After Debt
$540
Quality Score: 63.00%
Confidence: 88.00%
Occupied, older single‑family property with an intact exterior and tenant in place. Visible issues are mostly cosmetic (yard, minor step wear). Major structural failures are not apparent from exterior photo. However, interior safety items common to a 1956 home (smoke/CO detectors, GFCI, lead‑risk paint, aging HVAC/plumbing/electrical components) are unknown and present moderate NSPIRE risk. With targeted minor repairs and verification/installation of required detectors and GFCI protection, the property is likely to pass initial HCV inspection; expect 1–4 weeks of work if interiors are similar to exterior condition.
Section 8 Payment Standard
$1,790
Utility Allowance Total
$449
Guaranteed Section 8 Rent (PS - Utilities)
$1,341
Property Management
$134
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$90,000
Beds
4
Baths
2
Living Area
1,873 sqft
Lot Size
16,988 sqft
Year Built
1956
Days on Market
41
Capital Outlay
$21,600
Debt Service
$479
Property Tax / Mo
$138
Insurance / Mo
$50
Property Description
INVESTOR ALERT-CASH-FLOW-BONANZA (TENANT IN PLACE ) UNLOCK IMMEDIATE INCOME WITH THIA 4BR/2BTH RENTAL PRODUCING POSITIVE CASH FLOW ON DAY ONE. TENANT IN PLACE ,SO YOU CAN START COLLECTING RENT WITHOUT DELAYS ;VACANCY;OR LEASING HASSLE.
Utility Allowances
Air Conditioning
$16
The property is listed as having cooling. The allowance is the fixed rate for a 4-bedroom unit.
Cooking
$14
The specific fuel for cooking is not mentioned. Electricity is confirmed available, and the electric option was chosen as it is more expensive than the natural gas option.
Heating
$64
The property has heating, but the fuel type is not specified. The 'Electric' option was chosen as electricity is confirmed available and this is the most expensive non-bottled gas option.
Other Electric
$88
The property is connected to electricity. This allowance covers general lighting and small appliances.
Range/Microwave
$3
The property listing does not explicitly state that a range or microwave is provided by the landlord. This allowance is for a tenant-owned appliance.
Refrigerator
$4
The property listing does not explicitly state that a refrigerator is provided by the landlord. This allowance is for a tenant-owned appliance.
Sewer
$70
The property is listed as being connected to a public sewer system.
Trash Collection
$37
Trash collection is a standard utility service for a single-family home and is assumed to be the tenant's responsibility.
Water
$116
The property listing states that water is connected, indicating tenant responsibility.
Water Heating
$37
The fuel type for the water heater is not specified. The electric option was chosen as electricity is confirmed available and it is more expensive than natural gas.
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$565
DP3 Annual Estimate$637
DP1 Monthly Equivalent$47
DP3 Monthly Equivalent$53
Replacement Value$42,760
Basis1,873 sqft / 1956
Nearby Houses
Photo unavailable
3817 Meadow Ln
sold · 0.09 mi
Price: $85,000
4 bd / 2 ba · 1,820 sqft
Latest sale: — on Sep 26, 2022
Latest rent: —
Photo unavailable
245 Wildwood Ter
sold · 0.10 mi
Price: $136,000
3 bd / 2 ba · 1,252 sqft
Latest sale: — on Oct 07, 2025
Latest rent: $850 on Nov 27, 2018
Photo unavailable
3831 Meadow Lane Rd
off_market · 0.14 mi
Price: $1,050
3 bd / 2 ba
Latest sale: —
Latest rent: $1,050 on Nov 19, 2025
Photo unavailable
3650 Meadow Ln
sold · 0.15 mi
Price: $39,750
3 bd / 2 ba · 1,208 sqft
Latest sale: — on Sep 05, 2023
Latest rent: —
Photo unavailable
246 S Sunset Ter
sold · 0.16 mi
Price: $82,000
3 bd / 1 ba · 1,678 sqft
Latest sale: — on May 23, 2024
Latest rent: $1,480 on Jul 25, 2024
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos not provided; assume tenant-occupied unit has basic functional utilities (electricity, water, heating/cooling) because tenant is in place and listing indicates cash-flowing rental.
- Smoke and carbon monoxide detectors, GFCI receptacles, and egress compliance are not visible and are assumed uncertain; these are the primary unknowns for NSPIRE compliance.
- Roof has no active major leaks or sagging because no external signs of failure are visible in the photo, but full roof condition not verifiable without close inspection.
- Appliances (stove, refrigerator) are not shown; assume at least minimal appliances present given occupancy, but they may be aged.
- Because the house was built in 1956, assume potential lead‑based paint risk and pre-1978 materials that require evaluation/mitigation if disturbed.
- No interior mold, major plumbing leaks, or electrical hazards are visible from exterior; absence of these issues is an assumption contingent on interior inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,602 | $55,260 | $8,289 |
| 2023 | $840 | $55,260 | $5,526 |
| 2021 | $841 | $55,260 | $5,526 |
| 2020 | $827 | $54,870 | $5,487 |
| 2019 | $828 | $54,870 | $5,487 |
| 2018 | $816 | $54,870 | $5,487 |
| 2017 | $1,559 | $54,870 | $8,231 |
| 2016 | $1,518 | $54,870 | $8,231 |
| 2015 | $1,445 | $53,830 | $8,075 |
| 2014 | $1,443 | $53,830 | $8,075 |
| 2013 | $1,403 | $53,830 | $8,075 |
| 2012 | $719 | $53,830 | $5,383 |
| 2011 | $692 | $53,000 | $5,300 |
| 2010 | $686 | $53,000 | $5,300 |
| 2009 | $686 | $53,000 | $5,300 |
| 2008 | $686 | $41,820 | $4,182 |
| 2007 | $551 | $41,820 | $4,182 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2013-02-11 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-01-29 | Listed for rent | $1,300 | — |
| 2024-12-05 | Listed for rent | $1,300 | — |
| 2024-09-08 | Listed for rent | $1,300 | — |
| 2024-07-10 | Listed for rent | $1,500 | — |
| 2024-06-21 | Listed for rent | $1,500 | — |
| 2024-05-25 | Listed for rent | $1,500 | — |
Photo Gallery
Show raw JSON (debug)
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"year": 2017,
"market": {
"land": 12500,
"total": 54870,
"building": 42370
},
"assessment": {
"land": 1875,
"total": 8231,
"building": 6356
}
},
{
"tax": 1518,
"year": 2016,
"market": {
"land": 12500,
"total": 54870,
"building": 42370
},
"assessment": {
"land": 1875,
"total": 8231,
"building": 6356
}
},
{
"tax": 1445,
"year": 2015,
"market": {
"land": 12500,
"total": 53830,
"building": 41330
},
"assessment": {
"land": 1875,
"total": 8075,
"building": 6200
}
},
{
"tax": 1443,
"year": 2014,
"market": {
"land": 12500,
"total": 53830,
"building": 41330
},
"assessment": {
"land": 1875,
"total": 8075,
"building": 6200
}
},
{
"tax": 1403,
"year": 2013,
"market": {
"land": 12500,
"total": 53830,
"building": 41330
},
"assessment": {
"land": 1875,
"total": 8075,
"building": 6200
}
},
{
"tax": 719,
"year": 2012,
"market": {
"land": 12500,
"total": 53830,
"building": 41330
},
"assessment": {
"land": 1250,
"total": 5383,
"building": 4133
}
},
{
"tax": 692,
"year": 2011,
"market": {
"land": 12500,
"total": 53000,
"building": 40500
},
"assessment": {
"land": 1250,
"total": 5300,
"building": 4050
}
},
{
"tax": 686,
"year": 2010,
"market": {
"land": 12500,
"total": 53000,
"building": 40500
},
"assessment": {
"land": 1250,
"total": 5300,
"building": 4050
}
},
{
"tax": 686,
"year": 2009,
"market": {
"land": 12500,
"total": 53000,
"building": 40500
},
"assessment": {
"land": 1250,
"total": 5300,
"building": 4050
}
},
{
"tax": 686,
"year": 2008,
"market": {
"land": 6000,
"total": 41820,
"building": 35820
},
"assessment": {
"land": 600,
"total": 4182,
"building": 3582
}
},
{
"tax": 551,
"year": 2007,
"market": {
"land": 6000,
"total": 41820,
"building": 35820
},
"assessment": {
"land": 600,
"total": 4182,
"building": 3582
}
}
],
"property_history": [
{
"date": "2026-01-06",
"price": 90000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-06T04:09:32Z",
"list_price": 90000,
"listing_id": "2990012022",
"last_update_date": "2026-01-26T20:27:58Z",
"last_status_change_date": "2026-01-06T04:09:32Z"
},
"event_name": "Listed",
"price_sqft": 48.05125467164976,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4135152",
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},
{
"date": "2025-12-30",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-10-28T06:44:40Z",
"list_price": 99000,
"listing_id": "2987757223",
"last_update_date": "2025-10-28T06:38:28Z",
"last_status_change_date": "2025-12-30T06:22:11Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "63 days",
"source_listing_id": "4129904",
"price_change_percentage": null
},
{
"date": "2025-10-28",
"price": 99000,
"listing": {
"status": "off_market",
"list_date": "2025-10-28T06:44:40Z",
"list_price": 99000,
"listing_id": "2987757223",
"last_update_date": "2025-10-28T06:38:28Z",
"last_status_change_date": "2025-12-30T06:22:11Z"
},
"event_name": "Listed",
"price_sqft": 52.856380138814735,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
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},
{
"date": "2025-07-08",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-03-20T12:04:53Z",
"list_price": 115000,
"listing_id": "2979579373",
"last_update_date": "2025-05-19T22:45:10Z",
"last_status_change_date": "2025-07-08T08:21:43Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "110 days",
"source_listing_id": "4107306",
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},
{
"date": "2025-03-20",
"price": 115000,
"listing": {
"status": "off_market",
"list_date": "2025-03-20T12:04:53Z",
"list_price": 115000,
"listing_id": "2979579373",
"last_update_date": "2025-05-19T22:45:10Z",
"last_status_change_date": "2025-07-08T08:21:43Z"
},
"event_name": "Listed",
"price_sqft": 61.398825413774695,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
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},
{
"date": "2017-05-10",
"price": 59900,
"listing": {
"status": "off_market",
"list_date": "2016-12-03T07:00:00Z",
"list_price": 59900,
"listing_id": "616042187",
"last_update_date": "2017-05-02T00:13:00Z",
"last_status_change_date": "2017-05-01T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 35.23529411764706,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "158 days",
"source_listing_id": "292295",
"price_change_percentage": null
},
{
"date": "2017-03-01",
"price": 59900,
"listing": {
"status": "off_market",
"list_date": "2016-12-03T07:00:00Z",
"list_price": 59900,
"listing_id": "616042187",
"last_update_date": "2017-05-02T00:13:00Z",
"last_status_change_date": "2017-05-01T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": 35.23529411764706,
"source_name": "CentralMSMLS",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "292295",
"price_change_percentage": null
},
{
"date": "2016-12-03",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2016-12-03T07:00:00Z",
"list_price": 59900,
"listing_id": "616042187",
"last_update_date": "2017-05-02T00:13:00Z",
"last_status_change_date": "2017-05-01T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 41.11764705882353,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "292295",
"price_change_percentage": null
},
{
"date": "2016-02-12",
"price": 95000,
"listing": {
"status": "off_market",
"list_date": "2015-02-11T07:00:00Z",
"list_price": 95000,
"listing_id": "593662819",
"last_update_date": "2015-02-12T07:59:00Z",
"last_status_change_date": "2015-02-11T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "366 days",
"source_listing_id": "272304",
"price_change_percentage": null
},
{
"date": "2015-02-11",
"price": 95000,
"listing": {
"status": "off_market",
"list_date": "2015-02-11T07:00:00Z",
"list_price": 95000,
"listing_id": "593662819",
"last_update_date": "2015-02-12T07:59:00Z",
"last_status_change_date": "2015-02-11T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "272304",
"price_change_percentage": null
},
{
"date": "2014-01-23",
"price": 105000,
"listing": {
"status": "off_market",
"list_date": "2014-01-08T04:03:14Z",
"list_price": 105000,
"listing_id": "577430655",
"last_update_date": "2014-01-24T03:38:33Z",
"last_status_change_date": "2014-01-24T03:38:33Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "16 days",
"source_listing_id": "259924",
"price_change_percentage": null
},
{
"date": "2014-01-07",
"price": 105000,
"listing": {
"status": "off_market",
"list_date": "2014-01-08T04:03:14Z",
"list_price": 105000,
"listing_id": "577430655",
"last_update_date": "2014-01-24T03:38:33Z",
"last_status_change_date": "2014-01-24T03:38:33Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "259924",
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},
{
"date": "2013-02-21",
"price": 15700,
"listing": {
"status": "off_market",
"list_date": "2012-12-20T14:42:00Z",
"list_price": 15700,
"listing_id": "559402215",
"last_update_date": "2013-02-22T00:55:00Z",
"last_status_change_date": "2013-02-22T00:55:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "63 days",
"source_listing_id": "248249",
"price_change_percentage": null
},
{
"date": "2012-12-20",
"price": 15700,
"listing": {
"status": "off_market",
"list_date": "2012-12-20T14:42:00Z",
"list_price": 15700,
"listing_id": "559402215",
"last_update_date": "2013-02-22T00:55:00Z",
"last_status_change_date": "2013-02-22T00:55:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "248249",
"price_change_percentage": null
},
{
"date": "2012-08-02",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2012-01-31T15:45:00Z",
"list_price": 69900,
"listing_id": "545263639",
"last_update_date": "2012-08-03T13:48:00Z",
"last_status_change_date": "2012-08-02T16:59:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "184 days",
"source_listing_id": "238595",
"price_change_percentage": null
},
{
"date": "2012-01-31",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2012-01-31T15:45:00Z",
"list_price": 69900,
"listing_id": "545263639",
"last_update_date": "2012-08-03T13:48:00Z",
"last_status_change_date": "2012-08-02T16:59:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "238595",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7719805870",
"generated_at": "2026-02-16T23:18:48.773256Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 63.0
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/52d3468ed1f11dba76ad93f6459cf4afl-m152328610s-w1280.jpg",
"rent_price": 1341.0,
"loan_amount": 72000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3777-Meadow-Ln_Jackson_MS_39212_M77198-05870",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 90000.0,
"loan_term_years": 30,
"annual_cash_flow": 12231.74,
"mortgage_monthly": 479.02,
"payment_standard": 1790.0,
"total_amount_out": 18000.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 50.08,
"monthly_cash_flow": 1019.31,
"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 is listed as having cooling. The allowance is the fixed rate for a 4-bedroom unit.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "The specific fuel for cooking is not mentioned. Electricity is confirmed available, and the electric option was chosen as it is more expensive than the natural gas option.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "The property has heating, but the fuel type is not specified. The 'Electric' option was chosen as electricity is confirmed available and this is the most expensive non-bottled gas option.",
"utility": "Heating",
"allowance": 64
},
{
"note": "The property is connected to electricity. This allowance covers general lighting and small appliances.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "The property listing does not explicitly state that a range or microwave is provided by the landlord. This allowance is for a tenant-owned appliance.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property listing does not explicitly state that a refrigerator is provided by the landlord. This allowance is for a tenant-owned appliance.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property is listed as being connected to a public sewer system.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Trash collection is a standard utility service for a single-family home and is assumed to be the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property listing states that water is connected, indicating tenant responsibility.",
"utility": "Water",
"allowance": 116
},
{
"note": "The fuel type for the water heater is not specified. The electric option was chosen as electricity is confirmed available and it is more expensive than natural gas.",
"utility": "Water Heating",
"allowance": 37
}
],
"cash_on_cash_return": 0.68,
"down_payment_amount": 18000.0,
"property_tax_annual": 1650.06,
"property_tax_monthly": 137.5,
"property_tax_increase": 0.03,
"utility_allowance_total": 449.0,
"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": 6483.53,
"property_management_monthly": 134.1,
"monthly_cash_flow_after_debt": 540.29,
"cash_on_cash_return_after_debt": 0.36
},
"section8_assessment": {
"runs": [
{
"summary": "Occupied, older single‑family property with an intact exterior and tenant in place. Visible issues are mostly cosmetic (yard, minor step wear). Major structural failures are not apparent from exterior photo. However, interior safety items common to a 1956 home (smoke/CO detectors, GFCI, lead‑risk paint, aging HVAC/plumbing/electrical components) are unknown and present moderate NSPIRE risk. With targeted minor repairs and verification/installation of required detectors and GFCI protection, the property is likely to pass initial HCV inspection; expect 1–4 weeks of work if interiors are similar to exterior condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 68.0,
"rationale": "Exterior photo shows intact brick/siding and a covered carport; however front yard is overgrown and entrance steps show minor wear. The house is 1956 vintage so likely has interior cosmetic wear and aged finishes. Tenant-in-place reduces risk of missing utilities/appliances but interior not shown so small-to-moderate deferred maintenance is assumed (flooring, paint, minor trim/cabinet repairs). Missing or aged appliances would moderately reduce readiness but are not evident from photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No life‑threatening hazards visible from exterior photo (no collapsed structure, no standing water). Major NSPIRE items (smoke/CO detectors, GFCI outlets, electrical panel condition, egress windows, hot water) are not visible; because the unit is occupied I assume basic functionality but note higher risk due to age (1956) for missing modern safety devices and possible peeling lead‑risk paint. Front steps and tree proximity present potential trip/fall or root issues. Overall moderate inspection risk without interior verification."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Roofline appears intact with no visible sagging or large failures from the photo; carport and structure appear sound. Tenant occupancy and active rental history imply functional HVAC/plumbing/electrical, but the home’s age suggests systems are likely original or dated and may need servicing or replacement within a few years. No visible water intrusion, but internal systems (water heater, panel, HVAC efficiency) are unknown and represent moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site condition, walkways",
"score": 70.0,
"rationale": "Brick lower wall and siding look generally intact; driveway/carport present and appears usable. Yard maintenance is needed (overgrown grass, leaf litter). Front steps need inspection for secure handrail (none visible). Large tree close to house could present root/foundation risk over time. No visible pest infestation or obvious foundation cracks in provided image."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (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": 0.55,
"assumptions": [
"Interior photos not provided; assume tenant-occupied unit has basic functional utilities (electricity, water, heating/cooling) because tenant is in place and listing indicates cash-flowing rental.",
"Smoke and carbon monoxide detectors, GFCI receptacles, and egress compliance are not visible and are assumed uncertain; these are the primary unknowns for NSPIRE compliance.",
"Roof has no active major leaks or sagging because no external signs of failure are visible in the photo, but full roof condition not verifiable without close inspection.",
"Appliances (stove, refrigerator) are not shown; assume at least minimal appliances present given occupancy, but they may be aged.",
"Because the house was built in 1956, assume potential lead‑based paint risk and pre-1978 materials that require evaluation/mitigation if disturbed.",
"No interior mold, major plumbing leaks, or electrical hazards are visible from exterior; absence of these issues is an assumption contingent on interior inspection."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on the single exterior photo and listing snapshot, this 4 bed / 2 bath 1956 ranch with a tenant in place appears generally rent-ready for Section 8 with minor-to-moderate repairs likely required. The property shows no obvious structural failures or life-threatening hazards in the available image, but age raises lead-paint risk and interior verification (smoke/CO detectors, GFCI, plumbing, HVAC) is needed to meet NSPIRE. Expect mostly cosmetic and maintenance items plus simple safety device installations to reach inspection readiness; allow 1–4 weeks to correct typical checklist items if interior systems are functional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Exterior photo shows an intact single-story brick/sided ranch with no obvious structural collapse. Visible deferred items are primarily cosmetic and yard maintenance: overgrown front yard, worn front stoop, older windows and exterior finish that likely need repainting/trim work. Listing indicates tenant in place so interior appliances/fixtures are likely present. No visible collapsed ceilings, major water stains, or missing exterior walls. Based on observable condition, needs minor-to-moderate repairs (cosmetic, possible window/door weatherstripping) rather than major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No interior photos provided to confirm required safety items (smoke/CO detectors, GFCI in kitchen/bath, safe electrical outlets). Property built in 1956 — elevates lead-based paint risk. Front stoop appears to have steps without a visible handrail which could be an egress/trip concern (depends on riser count). No visible severe hazards such as sagging roof, collapsed elements, standing water, or active leaks. Because many NSPIRE safety items cannot be verified from exterior-only photo and age implies lead risk, safety compliance risk is moderate and likely requires a short checklist and minor fixes (install/verify detectors, GFCI, handrail if required)."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "No systems (HVAC condenser, water heater, electrical panel) are visible in the single exterior shot. Tenant-occupied status and continued rental activity suggest systems are functional, but the home is 1956 vintage and mechanicals may be aged. Roof appears intact from the small view but age could mean remaining useful life is limited. Given lack of visible failure but potential age-related wear, score reflects probable operability with some risk of near-term maintenance on HVAC, plumbing, or water heater."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 65.0,
"rationale": "Brick lower facade and upper siding appear intact with no visible large cracks or foundation displacement in the provided image. Carport and driveway exist and appear serviceable. Yard is overgrown and leaves are present; a tree is close to the house which could present root or branch risk in storms. Walkway/steps are present but somewhat worn. Overall, exterior envelope appears serviceable but needs yard cleanup and preventive maintenance."
},
{
"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": [
"Pre-1978 construction — potential lead-based paint hazard requiring disclosure/abatement protocols",
"No evidence in provided imagery of interior smoke and CO detectors or GFCI outlets — likely need verification/installation",
"Front stoop/steps lack a visible handrail which may be an egress/trip hazard depending on riser count; needs verification"
],
"confidence": 0.6,
"assumptions": [
"Interior was not provided; assume unit is occupied and utilities are on given 'tenant in place' and recent rental history.",
"No visible major structural damage in the single exterior image; assume roof is intact without active leaks unless interior inspection says otherwise.",
"Appliances (stove/refrigerator) and plumbing fixtures are present and functional given tenant-occupied status; missing appliances would be a moderate, not catastrophic, inspection issue.",
"Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible in photos and must be verified/installed; absence would lower safety compliance score.",
"Property built in 1956 — assume potential for lead-based paint hazards; lead risk must be addressed per HUD rules even if no peeling paint is visible externally."
],
"overall_score": 68.0,
"rubric_version": "2026-02-16_nsPIRE_v1"
},
{
"summary": "Overall likely to pass an initial HCV/NSPIRE inspection with modest repairs and verification steps, but not turnkey. Exterior shell appears serviceable; primary concerns are missing front handrail, lack of verifiable smoke/CO/GFCI devices, potential lead-paint risk (built 1956), and unknown condition of HVAC/electrical/plumbing systems. With 1–4 small repairs/replacements (handrail, detectors, GFCI checks) and system verifications/servicing, property could be rent-ready within ~30 days. Tenant-in-place and recent rental history are positive indicators of functionality and cash flow.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior envelope in photo appears intact (painted brick, siding in place); no collapsed sections visible. Yard is overgrown and entry steps show missing handrail and light wear. Listing notes tenant in place, which suggests interior systems are at least functional, but interior wear, flooring, fixtures, or small cosmetic repairs are likely. Missing/unknown appliances not observed; absence of interior photos increases uncertainty. Overall: minor-to-moderate deferred maintenance, repairable without major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 60.0,
"rationale": "Several NSPIRE safety items cannot be verified from the single exterior photo: smoke/CO detectors, GFCI outlets, bedroom egress, functioning hot water, plumbing leaks, and electrical panel condition. Visible deficiencies: front entry steps have no handrail (unsafe stairs/handrail required), tree close to structure and untrimmed vegetation could create trip hazards or moisture issues. Property built 1956 -> likely lead-paint risk until proven otherwise. No visible exposed wiring or structural sagging in photo. Given unknown interior conditions and the observed missing handrail, score reflects moderate inspection risk requiring verification and likely small repairs to meet NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof)",
"score": 55.0,
"rationale": "Major systems (HVAC presence/operation, water heater, electrical panel health, roof condition) cannot be confirmed from the exterior photo. Roof appears visually continuous without obvious sag in the visible plane, but age of house (1956) raises likelihood of original/older systems. Tenant-in-place implies systems are functioning but does not guarantee compliance. Because of age and lack of visible HVAC/water heater, assign a moderate score reflecting probable functionality but notable uncertainty and likely near-term service or upgrades."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Front elevation shows painted brick lower half and siding upper half in generally good condition; windows and carport present and intact. Yard maintenance is needed (overgrown grass, leaf debris). Large tree adjacent to house could present root/foundation or roof risk if not managed. Walkway/entry steps exist but lack a handrail. No visible major foundation cracks, standing water, or collapsed elements in the provided image."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent 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": [
"Missing front entry handrail (unsafe stairs)",
"Potential lead-based paint risk (built 1956) — requires evaluation/clearance",
"Large tree and vegetation close to structure (root/foundation or roof risk if unaddressed)",
"Smoke/CO detectors, GFCI outlets, and interior egress not verifiable from photos — must be present and functional for NSPIRE pass"
],
"confidence": 0.6,
"assumptions": [
"Only one exterior photo provided; interior conditions, appliances, detectors, panel, and HVAC/water heater are not visible and must be assumed unknown.",
"Tenant-in-place and recent rental events suggest utilities/systems are functioning, but may not be code-compliant without verification.",
"No visible major structural distress (sagging roofs, collapsed ceilings, foundation failure) in the provided image; absence of evidence is not proof of absence.",
"Because the house was built in 1956, assume potential lead-based paint hazards until tested or remediated.",
"Missing handrail at the front steps (visible) is treated as a verifiable safety defect requiring remediation prior to inspection pass."
],
"overall_score": 68.0,
"rubric_version": "2026-02-16_nsPIRE_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3777 Meadow Ln, Jackson, MS, 39212",
"aggregate": {
"summary": "Occupied, older single‑family property with an intact exterior and tenant in place. Visible issues are mostly cosmetic (yard, minor step wear). Major structural failures are not apparent from exterior photo. However, interior safety items common to a 1956 home (smoke/CO detectors, GFCI, lead‑risk paint, aging HVAC/plumbing/electrical components) are unknown and present moderate NSPIRE risk. With targeted minor repairs and verification/installation of required detectors and GFCI protection, the property is likely to pass initial HCV inspection; expect 1–4 weeks of work if interiors are similar to exterior condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 69.3,
"rationale": "Exterior photo shows intact brick/siding and a covered carport; however front yard is overgrown and entrance steps show minor wear. The house is 1956 vintage so likely has interior cosmetic wear and aged finishes. Tenant-in-place reduces risk of missing utilities/appliances but interior not shown so small-to-moderate deferred maintenance is assumed (flooring, paint, minor trim/cabinet repairs). Missing or aged appliances would moderately reduce readiness but are not evident from photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site condition, walkways",
"score": 66.7,
"rationale": "Brick lower wall and siding look generally intact; driveway/carport present and appears usable. Yard maintenance is needed (overgrown grass, leaf litter). Front steps need inspection for secure handrail (none visible). Large tree close to house could present root/foundation risk over time. No visible pest infestation or obvious foundation cracks in provided image."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (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": "Section 8 / NSPIRE safety & code risk",
"score": 56.7,
"rationale": "No life‑threatening hazards visible from exterior photo (no collapsed structure, no standing water). Major NSPIRE items (smoke/CO detectors, GFCI outlets, electrical panel condition, egress windows, hot water) are not visible; because the unit is occupied I assume basic functionality but note higher risk due to age (1956) for missing modern safety devices and possible peeling lead‑risk paint. Front steps and tree proximity present potential trip/fall or root issues. Overall moderate inspection risk without interior verification."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 58.3,
"rationale": "Roofline appears intact with no visible sagging or large failures from the photo; carport and structure appear sound. Tenant occupancy and active rental history imply functional HVAC/plumbing/electrical, but the home’s age suggests systems are likely original or dated and may need servicing or replacement within a few years. No visible water intrusion, but internal systems (water heater, panel, HVAC efficiency) are unknown and represent moderate risk."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"Interior photos not provided; assume tenant-occupied unit has basic functional utilities (electricity, water, heating/cooling) because tenant is in place and listing indicates cash-flowing rental.",
"Smoke and carbon monoxide detectors, GFCI receptacles, and egress compliance are not visible and are assumed uncertain; these are the primary unknowns for NSPIRE compliance.",
"Roof has no active major leaks or sagging because no external signs of failure are visible in the photo, but full roof condition not verifiable without close inspection.",
"Appliances (stove, refrigerator) are not shown; assume at least minimal appliances present given occupancy, but they may be aged.",
"Because the house was built in 1956, assume potential lead‑based paint risk and pre-1978 materials that require evaluation/mitigation if disturbed.",
"No interior mold, major plumbing leaks, or electrical hazards are visible from exterior; absence of these issues is an assumption contingent on interior inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7719805870"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.