Property ID: 7723551357
510 Marbury St, Pearl, MS, 39208
Pearl, MS
Money Down: $28,776
CoC Return: 14.49%
Monthly Cash Flow: $348
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
14.49%
Rent
$1,284
Monthly Cash Flow
$348
Annual Cash Flow
$4,171
Debt Service / Mo
$638
Property Tax / Mo
$111
Insurance / Mo
$59
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,284
Payment Standard
$1,620
Rent
$1,284
Insurance
$59
Property Tax
$111
Management
$128
Utilities Allowance
$336
NOI (Monthly)
$986
Debt Service
$638
Cash Flow After Debt
$348
Quality Score: 73.40%
Confidence: 95.00%
Overall the property presents as a solid investor opportunity with recently updated major systems (HVAC, water heater) and a sound exterior roof and siding. Based on photos and listing notes, the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection after addressing routine items: install/verify smoke and CO detectors, verify/install GFCI protection in kitchen/bath, provide or repair required door hardware and handrail if step height requires, and supply or confirm working kitchen appliances and interior safety elements. Expect minor repairs and tenant‑readiness work; likely rent‑ready within 30 days.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$336
Guaranteed Section 8 Rent (PS - Utilities)
$1,284
Property Management
$128
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
1.5
Living Area
1,152 sqft
Lot Size
8,276 sqft
Year Built
1955
Days on Market
38
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$111
Insurance / Mo
$59
Property Description
Investor Opportunity in the Heart of Pearl Located in a central Pearl location with convenient access to schools, major interstates, highways, shopping, dining, and everyday amenities, this 3-bedroom property offers strong rental potential. The home features three bedrooms, one full bathroom, an additional shower room with a sink, and a bonus room that provides flexible space for a variety of uses. Major systems have been updated, including a central A/C unit approximately 5 years old, a central heating unit approximately 2 years old, and a water heater approximately 1 year old. Being sold as-is, this property is well suited for investors or buyers seeking a rental or renovation opportunity.
Utility Allowances
Heating
$21
Property details explicitly state Natural Gas heating. Selected 'Natural Gas' option from the schedule.
Cooking
$8
Property has a natural gas connection. Selected 'Natural Gas' as the most likely fuel for cooking.
Water Heating
$18
Property has a natural gas connection. Selected 'Natural Gas' as the most likely fuel for the water heater.
Other Electric
$69
Standard allowance for general electricity use (lights, outlets). Property has electricity connected.
Air Conditioning
$12
Property has 'Central Air' cooling.
Water
$104
Property details state 'Public' water source.
Sewer
$60
Property details state 'Public Sewer'.
Trash Collection
$37
Standard municipal service for a single-family home, assumed to be a tenant expense.
Refrigerator
$4
The property listing does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned.
Range/Microwave
$3
The property listing does not explicitly state a range or microwave is provided, so it is assumed to be tenant-owned.
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$692
DP3 Annual Estimate$723
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$60
Replacement Value$50,190
Basis1,152 sqft / 1955
Nearby Houses
Photo unavailable
506 Marbury St
sold · 0.03 mi
Price: $111,000
3 bd / 1 ba · 1,200 sqft
Latest sale: — on Aug 22, 2024
Latest rent: $1,500 on Aug 26, 2024
Photo unavailable
503 Marbury St
sold · 0.05 mi
Price: $169,000
4 bd / 2 ba · 1,120 sqft
Latest sale: — on May 20, 2024
Latest rent: $1,495 on Jan 22, 2024
Photo unavailable
304 Pearl Dr
sold · 0.06 mi
Price: $110,000
3 bd / 1 ba · 1,163 sqft
Latest sale: — on Feb 16, 2024
Latest rent: —
Photo unavailable
206 Pearl Dr
sold · 0.06 mi
Price: $137,000
4 bd / 2 ba · 1,332 sqft
Latest sale: — on Jul 16, 2024
Latest rent: —
Photo unavailable
402 Pearl Dr
sold · 0.09 mi
Price: $64,500
2 bd / 1 ba · 964 sqft
Latest sale: — on Dec 20, 2016
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior condition (walls, floors, ceilings, mold, plumbing fixtures) is not visible; assumed typical for an as‑is investor listing and no severe hidden damage is present.
- Listing statements about A/C (5 yrs), heating (2 yrs), and water heater (1 yr) are accurate and systems are operational.
- Smoke detectors, carbon monoxide detectors, and GFCI protection are not visible in photos and therefore treated as possibly missing or incorrectly located.
- Electrical panel condition, outlet count, and presence of grounded/GFCI outlets are unknown; assumed serviceable but not inspected.
- Kitchen appliances (stove, refrigerator) are not shown; assumed may be missing or in unknown condition and considered capital items rather than immediate safety failures.
- Front step may require a handrail depending on local code and measured rise; no handrail visible in photo.
- No evidence of major structural issues (sagging roof, foundation movement) was visible in provided exterior photo; therefore none are assumed present.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,292 | $65,190 | $9,779 |
| 2023 | $883 | $44,400 | $6,660 |
| 2022 | $873 | $44,400 | $6,660 |
| 2021 | $873 | $44,400 | $6,660 |
| 2020 | $873 | $44,400 | $6,086 |
| 2019 | $809 | $40,570 | $6,086 |
| 2018 | $808 | $40,570 | $6,086 |
| 2017 | $808 | $40,570 | $6,086 |
| 2016 | $816 | $40,980 | $6,147 |
| 2015 | $816 | $40,980 | $6,147 |
| 2014 | $816 | $40,980 | $4,098 |
| 2013 | $649 | $34,140 | $5,121 |
| 2012 | $649 | $34,140 | $5,121 |
| 2011 | $630 | $34,140 | $5,121 |
| 2010 | $626 | $34,140 | $3,414 |
| 2009 | $626 | $34,140 | $5,121 |
| 2008 | $610 | $34,140 | $3,414 |
| 2007 | $620 | $33,470 | $3,347 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-09 | Listed | $119,900 |
| 2009-03-08 | Listing removed | $41,000 |
| 2009-02-26 | Listed | $41,000 |
Photo Gallery
Show raw JSON (debug)
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"total": 3347,
"building": 2497
}
}
],
"property_history": [
{
"date": "2026-01-09",
"price": 119900,
"listing": {
"status": "for_sale",
"list_date": "2026-01-09T15:39:31Z",
"list_price": 119900,
"listing_id": "2990136728",
"last_update_date": "2026-02-13T15:15:07Z",
"last_status_change_date": "2026-02-13T15:15:43Z"
},
"event_name": "Listed",
"price_sqft": 104.07986111111111,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4135632",
"price_change_percentage": null
},
{
"date": "2009-03-08",
"price": 41000,
"listing": {
"status": "off_market",
"list_date": "2009-02-26T19:33:00Z",
"list_price": 41000,
"listing_id": "505608939",
"last_update_date": "2009-04-04T19:54:00Z",
"last_status_change_date": "2009-03-08T16:55:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "10 days",
"source_listing_id": "203487",
"price_change_percentage": null
},
{
"date": "2009-02-26",
"price": 41000,
"listing": {
"status": "off_market",
"list_date": "2009-02-26T19:33:00Z",
"list_price": 41000,
"listing_id": "505608939",
"last_update_date": "2009-04-04T19:54:00Z",
"last_status_change_date": "2009-03-08T16:55:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "203487",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7723551357",
"generated_at": "2026-02-16T23:03:28.320242Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 73.4
},
"utility_allowance": {
"zip_code": "39208",
"home_photo": "https://ap.rdcpix.com/ec9c2f790848b044200c626dbf93adccl-m3090609748s-w1280.jpg",
"rent_price": 1284.0,
"loan_amount": 95920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/510-Marbury-St_Pearl_MS_39208_M77235-51357",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 119900.0,
"loan_term_years": 30,
"annual_cash_flow": 11828.94,
"mortgage_monthly": 638.16,
"payment_standard": 1620.0,
"total_amount_out": 23980.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 58.96,
"monthly_cash_flow": 985.75,
"property_tax_rate": 0.006500000000000001,
"_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": "Property details explicitly state Natural Gas heating. Selected 'Natural Gas' option from the schedule.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Property has a natural gas connection. Selected 'Natural Gas' as the most likely fuel for cooking.",
"utility": "Cooking",
"allowance": 8
},
{
"note": "Property has a natural gas connection. Selected 'Natural Gas' as the most likely fuel for the water heater.",
"utility": "Water Heating",
"allowance": 18
},
{
"note": "Standard allowance for general electricity use (lights, outlets). Property has electricity connected.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property has 'Central Air' cooling.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Property details state 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Property details state 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard municipal service for a single-family home, assumed to be a tenant expense.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property listing does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property listing does not explicitly state a range or microwave is provided, so it is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.49,
"down_payment_amount": 23980.0,
"property_tax_annual": 1330.76,
"property_tax_monthly": 110.9,
"property_tax_increase": 0.03,
"utility_allowance_total": 336.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 4171.04,
"property_management_monthly": 128.4,
"monthly_cash_flow_after_debt": 347.59,
"cash_on_cash_return_after_debt": 0.17
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property presents as a solid investor opportunity with recently updated major systems (HVAC, water heater) and a sound exterior roof and siding. Based on photos and listing notes, the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection after addressing routine items: install/verify smoke and CO detectors, verify/install GFCI protection in kitchen/bath, provide or repair required door hardware and handrail if step height requires, and supply or confirm working kitchen appliances and interior safety elements. Expect minor repairs and tenant‑readiness work; likely rent‑ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior visible in photo appears intact: siding and paint in fair condition, roof shingles look serviceable, windows intact. Minor deferred maintenance (overgrown shrubs, lawn, small front stoop) visible. Listing notes property sold 'as-is' which implies interior cosmetic/finish items could need work but no visible severe damage. Missing/unknown kitchen appliances are not assumed to be safety failures but would require capital to outfit for tenancy."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 68.0,
"rationale": "No obvious external life‑threatening hazards in photo (no sagging roof, no standing water, no collapsed elements). However key NSPIRE items are not verifiable from photos: presence and placement of smoke and CO detectors, GFCI protection in kitchen/bath, condition of interior stairs/handrails (front step has a single step with no visible handrail), and electrical panel condition. Windows appear large enough for egress in sleeping rooms but interior confirmations missing. Given absence of visible hazards and updated HVAC/water heater per listing, moderate risk for small code items (detectors, GFCIs, possibly a handrail)."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 78.0,
"rationale": "Listing states central A/C ~5 years old, heating ~2 years, and water heater ~1 year — indicates recently updated major systems. Roof appears in good shape externally. No visible plumbing or drainage failures from exterior photo. Electrical system and water supply/drain integrity cannot be fully verified; no visible external electrical hazards."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front yard and walkway are level and appear safe; foundation vents visible and intact; siding and windows look serviceable. Minor landscaping and aesthetic attention needed. No visible foundation cracking, severe grading/drainage issues, or evidence of infestation from the exterior photo."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Interior condition (walls, floors, ceilings, mold, plumbing fixtures) is not visible; assumed typical for an as‑is investor listing and no severe hidden damage is present.",
"Listing statements about A/C (5 yrs), heating (2 yrs), and water heater (1 yr) are accurate and systems are operational.",
"Smoke detectors, carbon monoxide detectors, and GFCI protection are not visible in photos and therefore treated as possibly missing or incorrectly located.",
"Electrical panel condition, outlet count, and presence of grounded/GFCI outlets are unknown; assumed serviceable but not inspected.",
"Kitchen appliances (stove, refrigerator) are not shown; assumed may be missing or in unknown condition and considered capital items rather than immediate safety failures.",
"Front step may require a handrail depending on local code and measured rise; no handrail visible in photo.",
"No evidence of major structural issues (sagging roof, foundation movement) was visible in provided exterior photo; therefore none are assumed present."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-2026-1.0"
},
{
"summary": "Property appears generally rent-ready with updated major systems (HVAC, heat, water heater) and a sound exterior. Primary inspection risks are unverified interior items required by NSPIRE (smoke/CO detectors, GFCI, egress windows, interior plumbing/electrical). Built in 1955, the unit carries a lead-based paint risk that must be disclosed and addressed if deteriorated. Likely able to pass an initial Housing Choice Voucher inspection after verifying/adding detectors, addressing any minor interior repairs, and confirming GFCI and egress compliance — estimated turnkey timeline 1–4 weeks for typical fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior visible from photos appears maintained: painted siding, intact windows, level roof line and no obvious structural damage. Listing notes property is sold 'as-is.' Interior not provided — unknown cosmetic condition, flooring, cabinets, and appliance status. Missing/unknown kitchen appliances and likely cosmetic updating reduce turnkey score moderately. Front stoop shows no handrail (minor). Overall likely minor repairs and cosmetics rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No visible life-threatening hazards in exterior photo: roof appears intact, foundation looks level, no standing water or collapsed elements. However critical NSPIRE items are unverified: smoke and carbon monoxide detectors not visible, GFCI presence in kitchen/bath unknown, bedroom egress windows cannot be confirmed, and the house was built in 1955 (lead-based paint risk). Small front steps lack a visible handrail. These unverified items create moderate inspection risk until interior is validated."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 80.0,
"rationale": "Listing states major systems updated: central A/C ~5 years old, central heat ~2 years old, water heater ~1 year old — indicates recent HVAC and water system work and reduces failure risk. Roof visually in good condition. Electrical and plumbing condition are not shown; assume serviceable but unconfirmed. Given the stated system ages and no visible external issues, mechanical systems are likely in good shape but still warrant verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front yard and house exterior appear tidy; siding painted with no obvious rot, crawlspace vents present, driveway/sidewalk not fully visible but yard is level. No visible pest infestation, major erosion, or severe exterior deterioration. Some minor landscaping and walkway definition needed for curb appeal and safe entry path."
}
],
"red_flags": [
"Pre-1978 construction (1955) — potential lead-based paint hazard requires disclosure and may require remediation if deteriorated.",
"No evidence of smoke or carbon monoxide detectors in provided photos (interior not shown) — missing detectors are common cause of initial fails.",
"GFCI protection in kitchen/bathrooms, bedroom egress windows, and electrical/plumbing interior conditions unverified — could cause inspection failures if not compliant.",
"Front entry lacks a visible handrail; depending on step height this may be a code/safety issue."
],
"confidence": 0.65,
"assumptions": [
"Interior photos not provided; assume interior is structurally intact without visible sagging, collapsed ceilings, or active leaks unless inspection finds otherwise.",
"Listing statement that A/C (~5 yrs), heating (~2 yrs) and water heater (~1 yr) are accurate and units are operational.",
"Kitchen appliances (stove, refrigerator) are unknown — may be present or absent. Missing appliances would be treated as moderate, not catastrophic, inspection issue.",
"No visible external electrical hazards; assume electrical panel is intact and serviceable but needs verification.",
"Front stoop is shallow (1–2 steps); lack of handrail is assumed a minor code issue unless steps exceed local handrail requirements.",
"No evidence of active mold, major roof leaks, foundation movement, or insect infestation observable from provided exterior photo."
],
"overall_score": 75.0,
"rubric_version": "nspshot_v1.0"
},
{
"summary": "Overall this property appears to be a reasonably turnkey investor flip for Section 8/HCV occupancy with updated HVAC and water heater and an intact exterior and roof. The biggest inspection unknowns are interior life-safety items (smoke/CO detectors, GFCI, egress windows, door hardware) and presence/condition of kitchen appliances. Expect minor-to-moderate pre-inspection work (install/verify alarms and GFCIs, confirm egress/window sizes, address any small interior cosmetic items). With verification/installation of basic safety devices and confirmation of appliances, the home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior visible from photos is intact and cosmetically sound: painted siding, intact windows, no visible roof sagging or severe exterior damage. Listing notes updated major systems which reduces likely deferred maintenance. Typical small items expected for an investor sale (landscaping, minor trim/paint touch-ups, possible interior cosmetic repairs). Appliances and interior finishes are not shown; missing appliances are possible and would reduce readiness moderately but are not evident from exterior. Overall likely minor repairs required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 60.0,
"rationale": "Photo shows an intact exterior and level yard; no visible collapsed structures, standing water, or major trip hazards outside. However critical NSPIRE safety items (smoke/CO detectors, GFCI outlets, interior electrical condition, bedroom egress windows, deadbolt presence, and presence/condition of handrails on steps) cannot be confirmed from available photos. Home built 1955 — potential lead-based paint risk that must be inspected. Because these life-safety items are unverified, there is moderate inspection risk; expect need to install/verify smoke and CO alarms, check GFCI in kitchen/bath, and confirm egress and door hardware to reach passable compliance."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems (HVAC, plumbing, electrical, roof)",
"score": 80.0,
"rationale": "Listing states central A/C ~5 years old, central heat ~2 years old, and water heater ~1 year old — these updates strongly reduce system failure risk. Roof appears to be in good visual condition from the front photo (no visible sagging or missing large areas). Electrical panel, plumbing runs, and drainage conditions are not shown and should be verified, but provided equipment ages indicate recent investment in mechanicals and a lower likelihood of immediate failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Front yard is flat and accessible; siding and paint appear maintained; crawlspace/ foundation vents present. There is minimal landscaping and a small front stoop without a visible handrail (rise appears low but needs measurement). Driveway, rear yard, siding condition around full perimeter, and grading/drainage cannot be fully assessed from one front photo. No clear signs of infestation, major exterior neglect, or foundation displacement visible in the image."
}
],
"red_flags": [
"Potential lead-based paint risk (house built in 1955) — requires assessment and safe work practices if paint is disturbed",
"Unknown presence/function of smoke and carbon monoxide detectors and GFCI protection — common NSPIRE failure points that must be verified/installed before inspection"
],
"confidence": 0.6,
"assumptions": [
"Interior condition (walls, floors, ceilings) is fair to good and has no severe hidden damage; only minor cosmetic work is expected.",
"Major mechanical systems are functional as stated in the listing (central A/C ~5 yrs, furnace ~2 yrs, water heater ~1 yr) and do not require immediate replacement.",
"Kitchen appliances (stove, refrigerator) are not visible in photos; they may be missing or aging. Missing appliances would reduce readiness moderately but are not treated as an immediate safety failure.",
"Smoke detectors, carbon monoxide alarms, and GFCI outlets are either absent or unverified and will likely need installation or testing to meet NSPIRE requirements.",
"No visible signs of active roof leaks, structural sagging, or foundation movement in the provided exterior photo; hidden issues are still possible but not evident.",
"Windows likely provide adequate daylight but bedroom egress compliance has not been verified and should be measured to confirm.",
"No visible peeling paint in exterior photo; however, property built in 1955 so lead-based paint risk exists and will need evaluation/clearance if disturbed during repairs."
],
"overall_score": 73.0,
"rubric_version": "2026-02-16_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "510 Marbury St, Pearl, MS, 39208",
"aggregate": {
"summary": "Overall the property presents as a solid investor opportunity with recently updated major systems (HVAC, water heater) and a sound exterior roof and siding. Based on photos and listing notes, the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection after addressing routine items: install/verify smoke and CO detectors, verify/install GFCI protection in kitchen/bath, provide or repair required door hardware and handrail if step height requires, and supply or confirm working kitchen appliances and interior safety elements. Expect minor repairs and tenant‑readiness work; likely rent‑ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Exterior visible in photo appears intact: siding and paint in fair condition, roof shingles look serviceable, windows intact. Minor deferred maintenance (overgrown shrubs, lawn, small front stoop) visible. Listing notes property sold 'as-is' which implies interior cosmetic/finish items could need work but no visible severe damage. Missing/unknown kitchen appliances are not assumed to be safety failures but would require capital to outfit for tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.3,
"rationale": "Front yard and walkway are level and appear safe; foundation vents visible and intact; siding and windows look serviceable. Minor landscaping and aesthetic attention needed. No visible foundation cracking, severe grading/drainage issues, or evidence of infestation from the exterior photo."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 64.3,
"rationale": "No obvious external life‑threatening hazards in photo (no sagging roof, no standing water, no collapsed elements). However key NSPIRE items are not verifiable from photos: presence and placement of smoke and CO detectors, GFCI protection in kitchen/bath, condition of interior stairs/handrails (front step has a single step with no visible handrail), and electrical panel condition. Windows appear large enough for egress in sleeping rooms but interior confirmations missing. Given absence of visible hazards and updated HVAC/water heater per listing, moderate risk for small code items (detectors, GFCIs, possibly a handrail)."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 79.3,
"rationale": "Listing states central A/C ~5 years old, heating ~2 years, and water heater ~1 year — indicates recently updated major systems. Roof appears in good shape externally. No visible plumbing or drainage failures from exterior photo. Electrical system and water supply/drain integrity cannot be fully verified; no visible external electrical hazards."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Interior condition (walls, floors, ceilings, mold, plumbing fixtures) is not visible; assumed typical for an as‑is investor listing and no severe hidden damage is present.",
"Listing statements about A/C (5 yrs), heating (2 yrs), and water heater (1 yr) are accurate and systems are operational.",
"Smoke detectors, carbon monoxide detectors, and GFCI protection are not visible in photos and therefore treated as possibly missing or incorrectly located.",
"Electrical panel condition, outlet count, and presence of grounded/GFCI outlets are unknown; assumed serviceable but not inspected.",
"Kitchen appliances (stove, refrigerator) are not shown; assumed may be missing or in unknown condition and considered capital items rather than immediate safety failures.",
"Front step may require a handrail depending on local code and measured rise; no handrail visible in photo.",
"No evidence of major structural issues (sagging roof, foundation movement) was visible in provided exterior photo; therefore none are assumed present."
],
"score_method": "mean_of_criteria",
"overall_score": 73.4,
"rubric_version": "nsPIRE-2026-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7723551357"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.