Property ID: 7726562378
5389 Cedar Park Dr, Jackson, MS, 39206
Jackson, MS
Money Down: $29,280
CoC Return: 6.34%
Monthly Cash Flow: $155
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,400
Closing Costs
$4,880
Total Down
$29,280
Investment Snapshot
Purchase Price
$122,000
Money Down
$29,280
Cash-on-Cash Return
6.34%
Rent
$1,151
Monthly Cash Flow
$155
Annual Cash Flow
$1,855
Debt Service / Mo
$649
Property Tax / Mo
$180
Insurance / Mo
$52
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,151
Payment Standard
$1,530
Rent
$1,151
Insurance
$52
Property Tax
$180
Management
$115
Utilities Allowance
$379
NOI (Monthly)
$804
Debt Service
$649
Cash Flow After Debt
$155
Quality Score: 69.90%
Confidence: 95.00%
Based on the single exterior photo and the listing text, the property appears generally well-maintained at the exterior and is tenant-occupied with active rent, suggesting systems are functional. However, critical NSPIRE items (smoke/CO detectors, GFCI outlets, bedroom egress, electrical panel, hot water, and interior condition) are unverified because interior access was not provided. The home likely requires only minor repairs and verification work to prepare for an initial Section 8/HCV inspection, but there is moderate risk associated with age-related issues (pre-1978 construction) and unconfirmed mechanical/electrical details. Overall readiness score: 70 — likely rent-ready within 30 days if interior compliance items are confirmed or corrected quickly.
Section 8 Payment Standard
$1,530
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,151
Property Management
$115
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$122,000
Beds
3
Baths
2
Living Area
1,637 sqft
Lot Size
13,068 sqft
Year Built
1966
Days on Market
129
Capital Outlay
$29,280
Debt Service
$649
Property Tax / Mo
$180
Insurance / Mo
$52
Property Description
Welcome to 5389 Cedar Park Drive, a charming 3-bedroom, 2-bath home offering a perfect blend of comfort, convenience, and income potential. Currently rented for $1,275 per month, this property provides immediate cash flow for investors, or a great opportunity for a future homeowner looking to buy now and move later. Step inside to find a spacious living area with plenty of natural light, a functional kitchen with ample cabinet and counter space, and a comfortable layout that makes the most of every square foot. The primary suite features a private bath, while the additional bedrooms are well-sized and share a conveniently located hall bath. Outside, enjoy a nice yard that's easy to maintain and perfect for relaxing or entertaining. The home sits in a great location, close to schools, shopping, dining, and major commuter routes-making it attractive to both tenants and homeowners alike. Whether you're expanding your investment portfolio or planning ahead for your next home, this one checks all the boxes. No showings until an accepted contract. Please do not disturb tenants.
Utility Allowances
Air Conditioning
$12
The property includes 'Central Air' cooling, making this a required utility.
Cooking
$11
The property is listed as 'Electricity Connected' with no mention of gas, so Electric cooking is assumed. The electric option was selected.
Heating
$50
The property has 'Central' heating and is 'Electricity Connected' with no gas service indicated. The electric option was chosen.
Other Electric
$69
This is a standard allowance for general electricity usage (lights, outlets) in an electrified home.
Range/Microwave
$3
The property listing does not specify that a range or microwave is included, so it is assumed to be a tenant-provided appliance.
Refrigerator
$4
The property listing does not specify that a refrigerator is included, so it is assumed to be a tenant-provided appliance.
Sewer
$60
The property is explicitly listed as being connected to 'Public Sewer'.
Trash Collection
$37
Trash collection is a standard service for a single-family home and is assumed to be the tenant's responsibility.
Water
$104
The property is explicitly listed as using a 'Public' water source.
Water Heating
$29
The property lists a 'Water Heater' and is connected to electricity with no gas service mentioned. 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$607
DP3 Annual Estimate$634
DP1 Monthly Equivalent$51
DP3 Monthly Equivalent$53
Replacement Value$47,430
Basis1,637 sqft / 1966
Nearby Houses
Photo unavailable
5384 Cedar Park Dr
sold · 0.04 mi
Price: $124,900
3 bd / 2 ba · 1,746 sqft
Latest sale: — on May 31, 2022
Latest rent: $1,545 on Feb 05, 2024
Photo unavailable
390 Cedars of Lebanon Rd
sold · 0.05 mi
Price: $29,900
3 bd / 1 ba · 1,008 sqft
Latest sale: — on Dec 22, 2023
Latest rent: —
Photo unavailable
5366 Cedar Park Dr
sold · 0.07 mi
Price: $175,000
3 bd / 2 ba · 1,540 sqft
Latest sale: — on Mar 26, 2024
Latest rent: —
Photo unavailable
361 Barnes St
sold · 0.08 mi
Price: $50,000
3 bd / 2 ba · 1,032 sqft
Latest sale: — on Nov 28, 2023
Latest rent: —
Photo unavailable
5350 Clair St
sold · 0.09 mi
Price: $130,000
3 bd / 2 ba · 1,458 sqft
Latest sale: — on Jun 26, 2023
Latest rent: —
Photo unavailable
5353 Cedar Park Dr
sold · 0.09 mi
Price: $80,000
3 bd / 2 ba · 1,842 sqft
Latest sale: — on Jun 22, 2023
Latest rent: $1,195 on Apr 04, 2019
Photo unavailable
5371 Clair St
sold · 0.09 mi
Price: $130,000
3 bd / 2 ba · 1,328 sqft
Latest sale: — on Jun 05, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Potential lead-based paint risk due to year built (1966) — requires testing/disclosure and possible remediation.
- Unverified interior safety items (smoke detectors, carbon monoxide alarms, GFCI outlets, bedroom egress and deadbolt security) because the property is tenant-occupied and interior access was not provided.
Assumptions
- Interior was not provided; assumed tenant-occupied interior is in reasonable rental condition because the listing states it is currently rented and describes a functional kitchen.
- Appliances (stove, refrigerator) are present and functional because the unit is tenant-occupied and listing indicates an operating rental; missing appliances would moderately reduce score but were not claimed.
- Central HVAC and hot water are present and operational, inferred from active tenancy and climate needs in Jackson, MS; no outdoor condenser unit was visible in the photo but may be located at the rear.
- Roof is serviceable based on visible front elevation; no active roof leaks or major failures are visible from the provided image.
- Because house was built in 1966 (pre-1978), lead-based paint risk exists and requires disclosure/testing unless documented remediation has occurred.
- Smoke detectors, CO alarms, GFCI outlets, and electrical panel condition are unknown due to lack of interior photos and tenant access; these are assumed unverified and must be confirmed prior to inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $2,100 | $72,430 | $10,865 |
| 2023 | $2,089 | $72,430 | $10,865 |
| 2021 | $2,090 | $72,430 | $10,865 |
| 2020 | $2,067 | $72,030 | $10,805 |
| 2019 | $2,068 | $72,030 | $10,805 |
| 2018 | $2,045 | $72,030 | $10,805 |
| 2017 | $2,031 | $71,500 | $10,725 |
| 2016 | $2,183 | $78,920 | $11,838 |
| 2015 | $2,086 | $77,710 | $11,657 |
| 2014 | $2,084 | $77,710 | $11,657 |
| 2013 | $1,350 | $77,710 | $7,771 |
| 2012 | $1,050 | $77,710 | $7,771 |
| 2011 | $1,082 | $80,710 | $8,071 |
| 2010 | $1,074 | $80,710 | $8,071 |
| 2009 | $1,074 | $80,710 | $8,071 |
| 2008 | $1,074 | $59,290 | $5,929 |
| 2007 | $780 | $59,290 | $5,929 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2016-07-13 | Sold | — |
Photo Gallery
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"source_listing_id": "286598",
"price_change_percentage": null
},
{
"date": "2016-05-25",
"price": 30000,
"listing": {
"status": "off_market",
"list_date": "2016-05-25T07:00:00Z",
"list_price": 30000,
"listing_id": "609807955",
"last_update_date": "2016-06-02T23:19:00Z",
"last_status_change_date": "2016-06-02T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 18.46153846153846,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "286598",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7726562378",
"generated_at": "2026-02-16T22:57:02.942097Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 69.9
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/d539a07a3cb5924484d43e5455d20678l-m3371294154s-w1280.jpg",
"rent_price": 1151.0,
"loan_amount": 97600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/5389-Cedar-Park-Dr_Jackson_MS_39206_M77265-62378",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 122000.0,
"loan_term_years": 30,
"annual_cash_flow": 9647.3,
"mortgage_monthly": 649.34,
"payment_standard": 1530.0,
"total_amount_out": 24400.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 51.71,
"monthly_cash_flow": 803.94,
"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 includes 'Central Air' cooling, making this a required utility.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "The property is listed as 'Electricity Connected' with no mention of gas, so Electric cooking is assumed. The electric option was selected.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "The property has 'Central' heating and is 'Electricity Connected' with no gas service indicated. The electric option was chosen.",
"utility": "Heating",
"allowance": 50
},
{
"note": "This is a standard allowance for general electricity usage (lights, outlets) in an electrified home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "The property listing does not specify that a range or microwave is included, so it is assumed to be a tenant-provided appliance.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property listing does not specify that a refrigerator is included, so it is assumed to be a tenant-provided appliance.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property is explicitly listed as being connected to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Trash collection is a standard service for a single-family home and is assumed to be the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property is explicitly listed as using a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "The property lists a 'Water Heater' and is connected to electricity with no gas service mentioned. The electric option was selected.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.4,
"down_payment_amount": 24400.0,
"property_tax_annual": 2163.0,
"property_tax_monthly": 180.25,
"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/pdr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 1855.28,
"property_management_monthly": 115.1,
"monthly_cash_flow_after_debt": 154.61,
"cash_on_cash_return_after_debt": 0.08
},
"section8_assessment": {
"runs": [
{
"summary": "Based on the single exterior photo and the listing text, the property appears generally well-maintained at the exterior and is tenant-occupied with active rent, suggesting systems are functional. However, critical NSPIRE items (smoke/CO detectors, GFCI outlets, bedroom egress, electrical panel, hot water, and interior condition) are unverified because interior access was not provided. The home likely requires only minor repairs and verification work to prepare for an initial Section 8/HCV inspection, but there is moderate risk associated with age-related issues (pre-1978 construction) and unconfirmed mechanical/electrical details. Overall readiness score: 70 — likely rent-ready within 30 days if interior compliance items are confirmed or corrected quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior appearance (single exterior photo) shows a maintained brick ranch with intact roofline, gutters, and landscaped yard. Listing states the property is currently rented and describes a functional kitchen and comfortable layout, suggesting interior is serviceable. No interior photos provided to confirm cosmetic wear, flooring, cabinets, or appliance condition, but tenant-occupied status and active rent ($1,275/mo) make catastrophic deferred maintenance less likely. Missing interior details reduce certainty but missing appliances were not observed and listing implies occupancy with functioning kitchen. Score reflects minor-to-moderate likely cosmetic repairs rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No visible life-threatening exterior hazards in the photo (no sagging roof, no collapsed elements, no standing water). However critical NSPIRE safety items (smoke/CO detectors, GFCI outlets in kitchen/bath, bedroom egress sizing, deadbolt presence, exposed wiring, plumbing hot water) cannot be verified from provided materials. The home was built in 1966 so there is a higher likelihood of lead-paint risk and older electrical components; these increase inspection risk. Tenant occupancy and listing language prevent interior verification pre-contract, which is a practical compliance risk. Given absence of visible severe hazards but many unverified required items, score is moderate with inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 65.0,
"rationale": "Roof appears intact from the single front-facing photo with no visible major sagging or missing areas; gutters present. No HVAC condenser, water heater, electrical panel, or plumbing fixtures are visible, so their condition is unknown. Listing indicates the home is rented and functioning, which suggests systems are operational, but age (1966) implies systems may be older and due for update. Without interior/system photos or service records, moderate score reflects likely operational systems but elevated uncertainty and possible near-term replacement needs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick exterior appears sound with no visible foundation settlement, major cracking, or structural distortion in the provided photo. Yard is maintained (mowed, trimmed shrubs) and walkway to entry is intact. No visible standing water, severe erosion, or infestation evidence. Driveway and street frontage look serviceable. Score reflects generally good curb condition and low observable exterior risk."
}
],
"red_flags": [
"Potential lead-based paint risk due to year built (1966) — requires testing/disclosure and possible remediation.",
"Unverified interior safety items (smoke detectors, carbon monoxide alarms, GFCI outlets, bedroom egress and deadbolt security) because the property is tenant-occupied and interior access was not provided."
],
"confidence": 0.55,
"assumptions": [
"Interior was not provided; assumed tenant-occupied interior is in reasonable rental condition because the listing states it is currently rented and describes a functional kitchen.",
"Appliances (stove, refrigerator) are present and functional because the unit is tenant-occupied and listing indicates an operating rental; missing appliances would moderately reduce score but were not claimed.",
"Central HVAC and hot water are present and operational, inferred from active tenancy and climate needs in Jackson, MS; no outdoor condenser unit was visible in the photo but may be located at the rear.",
"Roof is serviceable based on visible front elevation; no active roof leaks or major failures are visible from the provided image.",
"Because house was built in 1966 (pre-1978), lead-based paint risk exists and requires disclosure/testing unless documented remediation has occurred.",
"Smoke detectors, CO alarms, GFCI outlets, and electrical panel condition are unknown due to lack of interior photos and tenant access; these are assumed unverified and must be confirmed prior to inspection."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-1.0"
},
{
"summary": "Overall this property appears to be in good rentable condition from the exterior and listing information. It scores in the 'minor repairs' band (71) and would likely be rent-ready within 30 days with routine checks/service. The biggest uncertainties are interior safety items (smoke/CO detectors, GFCI outlets), condition and age of HVAC/electrical/plumbing systems, and lead-based paint risk due to pre-1978 construction. Because the unit is tenant-occupied, an initial HCV inspection could likely pass if interior smoke detectors and egress meet requirements and there are no hidden system failures; however the owner should verify/replace detectors, confirm GFCI protection in kitchen/bath, and provide lead-paint disclosures or remediation if needed prior to tenant move-in under voucher terms.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior front shows a well-kept brick ranch with intact siding/brick, no visible major exterior deterioration, and a roof that appears in fair to good condition from the street photo. Yard and shrubs need basic maintenance. Interior photos not provided; listing states a functional kitchen and the property is tenant-occupied, which supports a reasonable interior condition. Missing interior details (appliances, flooring wear, paint) assumed to be typical wear-and-tear rather than deferred heavy repair. Missing appliances would reduce score moderately but listing implies rental-ready condition."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No visible life‑threatening exterior hazards: no sagging roofline, no collapsed features, no standing water. Because the home is 1966 vintage there is potential for lead-based paint (pre-1978) that requires disclosure/management. Interior safety items (smoke/CO detectors, GFCI in kitchen/baths, bedroom egress, handrails, exposed wiring) cannot be confirmed from exterior photo; tenant occupancy and advertised rental income make it likely basic detectors/locks are present, but GFCI and CO presence are uncertain. No exposed electrical hazards or collapsed structures noted from exterior."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 65.0,
"rationale": "Roof appears intact from street view with no obvious active leaks or severe failure. No visible chimney or major roof sag. HVAC equipment is not visible in photo; given the home is actively rented, it is reasonable to infer operational heating/cooling and plumbing systems, but age (1966) suggests systems may be older and could need service or replacement. Electrical panel, water heater, and drainage cannot be verified; no signs of active external system failures observed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Front yard and walkway are intact and reasonably maintained; driveway and curbside access visible and functional. Shrubbery is trimmed though a bit overgrown on one side. Foundation and siding show no obvious cracking or separation from the provided photo. Lot grading and drainage show no visible standing water or erosion issues from street view."
}
],
"red_flags": [
"Pre-1978 construction (1966) — potential lead-based paint risk and required disclosure/testing.",
"No interior access — cannot verify presence/function of smoke/CO detectors, GFCI outlets, handrails, egress windows, or observe plumbing/electrical conditions."
],
"confidence": 0.6,
"assumptions": [
"Listing text is accurate that the unit is currently rented for $1,275/month (used as rental evidence).",
"Interior is typical for an actively rented home and shows normal wear rather than severe deferred maintenance (no interior photos available).",
"Basic appliances (stove/refrigerator) are present or will be provided by owner/tenant per local custom; absence would be a moderate repair item but not an automatic safety failure.",
"Smoke detectors and conventional door locks likely exist because the property is tenant-occupied, but their locations, functionality, and CO detector presence were not verifiable from photos.",
"Major systems (HVAC, water heater, electrical) are operational given active tenancy, but may be older given 1966 build and could need servicing or replacement in short-to-medium term.",
"No visible exterior structural issues (sagging roof, foundation cracks) exist based on the single street-view photo; hidden issues cannot be ruled out."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and listing text, this 3-bed, 2-bath 1966 brick ranch appears generally well-maintained externally and tenant-occupied, making it likely to be rent-ready with minor repairs. Primary inspection risks are unknown interior items commonly flagged in NSPIRE inspections (smoke/CO detectors, GFCI outlets, bedroom egress, and potential lead-based paint disclosure). Major structural or life-safety red flags are not evident from the provided photo. Estimated readiness: likely passable after addressing routine safety and code items (smoke detectors/GFCI/brief cosmetic fixes) — overall likelihood of passing an initial HCV/NSPIRE inspection is moderate-high, assuming no hidden interior/system failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior visible from listing photo shows a brick ranch in generally good cosmetic condition, maintained yard, and an intact roof surface. No obvious exterior damage, collapsed elements, or missing major components. Interior not shown; typical for a 1966 rental there is likely normal wear (carpet/paint/cabinets) and possibly older fixtures/appliances. Missing interior photos and tenant-occupied status prevent confirmation of appliance condition; missing fridge/stove would be a moderate deduction but not observed. Score reflects likely minor repairs and cosmetic work needed rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 60.0,
"rationale": "From exterior image there are no visible life-threatening hazards (no sagging roof, no standing water, no collapsed elements). However major safety items cannot be verified: presence and placement of smoke/CO detectors, GFCIs in kitchen/baths, egress windows in bedrooms, deadbolt on entry, and exposed wiring are unknown. Property built in 1966 introduces potential lead-based paint risk. Occupancy (listing claims currently rented) suggests working basic systems, but absence of interior inspection creates inspection risk. Score reflects moderate risk that common ticket items (smoke detectors, GFCI) may need remediation to pass an initial HCV/NSPIRE inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical (roof, HVAC, plumbing, electrical)",
"score": 65.0,
"rationale": "Roof appears intact from the photo (shingles uniform, no visible sag or missing areas) indicating likely recent or serviceable roofing. No visible HVAC unit in photo but property is tenant-occupied — suggests heating/cooling present and operational; however system age unknown. Plumbing, water heater, electrical panel condition not visible. Given occupancy and maintained exterior, systems are likely functioning but may be older and require routine servicing or minor repairs. Score reflects probable operability but uncertainty about age/condition of major systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick exterior shows no visible cracking or spalling; gutters appear present; front walkway and small porch in usable condition; yard maintained (seasonal dormancy possible). No visible erosion, standing water, or obvious drainage issues in the front yard photograph. Shrubs trimmed and curb appeal acceptable. Score indicates low exterior/site repair need based on visible areas."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Interior condition is unknown; assessment assumes typical, occupied rental-maintained interior with normal cosmetic wear but no collapsed or severely damaged areas.",
"Listing statement that the property is 'currently rented' is treated as valid evidence of recent occupancy and basic system operability (heating, plumbing, hot water).",
"Roof visible in photo is assumed to be in serviceable condition; no active leaks inferred from exterior image.",
"No visible signs of structural settlement or roof sagging in photo; foundation movement is not observed.",
"Smoke detectors, CO alarms, GFCI protection, and interior egress window compliance are unknown and may need verification/installation prior to inspection.",
"Potential lead-based paint hazard exists due to 1966 construction; lead risk mitigation/disclosure may be required."
],
"overall_score": 70.0,
"rubric_version": "2026-02-Section8-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5389 Cedar Park Dr, Jackson, MS, 39206",
"aggregate": {
"summary": "Based on the single exterior photo and the listing text, the property appears generally well-maintained at the exterior and is tenant-occupied with active rent, suggesting systems are functional. However, critical NSPIRE items (smoke/CO detectors, GFCI outlets, bedroom egress, electrical panel, hot water, and interior condition) are unverified because interior access was not provided. The home likely requires only minor repairs and verification work to prepare for an initial Section 8/HCV inspection, but there is moderate risk associated with age-related issues (pre-1978 construction) and unconfirmed mechanical/electrical details. Overall readiness score: 70 — likely rent-ready within 30 days if interior compliance items are confirmed or corrected quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior appearance (single exterior photo) shows a maintained brick ranch with intact roofline, gutters, and landscaped yard. Listing states the property is currently rented and describes a functional kitchen and comfortable layout, suggesting interior is serviceable. No interior photos provided to confirm cosmetic wear, flooring, cabinets, or appliance condition, but tenant-occupied status and active rent ($1,275/mo) make catastrophic deferred maintenance less likely. Missing interior details reduce certainty but missing appliances were not observed and listing implies occupancy with functioning kitchen. Score reflects minor-to-moderate likely cosmetic repairs rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 79.3,
"rationale": "Brick exterior appears sound with no visible foundation settlement, major cracking, or structural distortion in the provided photo. Yard is maintained (mowed, trimmed shrubs) and walkway to entry is intact. No visible standing water, severe erosion, or infestation evidence. Driveway and street frontage look serviceable. Score reflects generally good curb condition and low observable exterior risk."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 61.7,
"rationale": "No visible life-threatening exterior hazards in the photo (no sagging roof, no collapsed elements, no standing water). However critical NSPIRE safety items (smoke/CO detectors, GFCI outlets in kitchen/bath, bedroom egress sizing, deadbolt presence, exposed wiring, plumbing hot water) cannot be verified from provided materials. The home was built in 1966 so there is a higher likelihood of lead-paint risk and older electrical components; these increase inspection risk. Tenant occupancy and listing language prevent interior verification pre-contract, which is a practical compliance risk. Given absence of visible severe hazards but many unverified required items, score is moderate with inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 65.0,
"rationale": "Roof appears intact from the single front-facing photo with no visible major sagging or missing areas; gutters present. No HVAC condenser, water heater, electrical panel, or plumbing fixtures are visible, so their condition is unknown. Listing indicates the home is rented and functioning, which suggests systems are operational, but age (1966) implies systems may be older and due for update. Without interior/system photos or service records, moderate score reflects likely operational systems but elevated uncertainty and possible near-term replacement needs."
}
],
"red_flags": [
"Potential lead-based paint risk due to year built (1966) — requires testing/disclosure and possible remediation.",
"Unverified interior safety items (smoke detectors, carbon monoxide alarms, GFCI outlets, bedroom egress and deadbolt security) because the property is tenant-occupied and interior access was not provided."
],
"confidence": 0.95,
"assumptions": [
"Interior was not provided; assumed tenant-occupied interior is in reasonable rental condition because the listing states it is currently rented and describes a functional kitchen.",
"Appliances (stove, refrigerator) are present and functional because the unit is tenant-occupied and listing indicates an operating rental; missing appliances would moderately reduce score but were not claimed.",
"Central HVAC and hot water are present and operational, inferred from active tenancy and climate needs in Jackson, MS; no outdoor condenser unit was visible in the photo but may be located at the rear.",
"Roof is serviceable based on visible front elevation; no active roof leaks or major failures are visible from the provided image.",
"Because house was built in 1966 (pre-1978), lead-based paint risk exists and requires disclosure/testing unless documented remediation has occurred.",
"Smoke detectors, CO alarms, GFCI outlets, and electrical panel condition are unknown due to lack of interior photos and tenant access; these are assumed unverified and must be confirmed prior to inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 69.9,
"rubric_version": "2026-02-NSPIRE-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7726562378"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.