Property ID: 7745612611
223 Champion Hill Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $21,600
CoC Return: 31.15%
Monthly Cash Flow: $561
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
31.15%
Rent
$1,341
Monthly Cash Flow
$561
Annual Cash Flow
$6,729
Debt Service / Mo
$479
Property Tax / Mo
$120
Insurance / Mo
$47
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,341
Payment Standard
$1,790
Rent
$1,341
Insurance
$47
Property Tax
$120
Management
$134
Utilities Allowance
$449
NOI (Monthly)
$1,040
Debt Service
$479
Cash Flow After Debt
$561
Quality Score: 66.90%
Confidence: 85.00%
Based on the single exterior photo, listing text, and property metadata, this 4BR/2BA 1971 rental appears moderately turnkey for Section 8 after a brief verification sweep. Exterior shows no obvious structural failure; however, interior life-safety items and major systems (HVAC, water heater, electrical, smoke/CO detectors, GFCI) are unverified and represent the main inspection risks. Expect minor cosmetic work, yard cleanup, and likely verification/installation of detectors and GFCI outlets. With typical tenant-occupied conditions, plan for a 1–4 week readiness window to address occupant cooperation, install/verify detectors, and remediate small repairs; if systems are found deficient, additional time and cost may be required.
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
1,688 sqft
Lot Size
9,148 sqft
Year Built
1971
Days on Market
43
Capital Outlay
$21,600
Debt Service
$479
Property Tax / Mo
$120
Insurance / Mo
$47
Property Description
INVESTOR ALERT-CASH-FLOW BONANZA (TENANT IN PLACE) Unlock immediate income with this 4 Br/ 2 Bath rental producing,positive cash flow on Day one! SOLID TENANT IN PLACE ! NO RENTAL DELAYS ,NO VACANCY, REHAB, OR LEASING HASSLE ! CALL ANY REALTOR
Utility Allowances
Air Conditioning
$16
Fixed allowance for a 4-bedroom single-family home. The property listing confirms it has cooling.
Cooking
$14
Selected 'Electric' as the fuel type. While not specified, electricity is available and this is a common setup. Allowance is for a 4-bedroom unit.
Heating
$64
Selected 'Electric' as the fuel type. The heating source is unspecified, so the more expensive 'Electric' option was chosen over 'Electric Heat Pump' for a conservative estimate. Allowance is for a 4-bedroom unit.
Other Electric
$88
Standard fixed allowance for general electric use (lights, outlets) in a 4-bedroom home.
Range/Microwave
$3
Included as a tenant-paid utility because the property listing does not explicitly state these appliances are provided by the landlord.
Refrigerator
$4
Included as a tenant-paid utility because the property listing does not explicitly state a refrigerator is provided by the landlord.
Sewer
$70
Fixed allowance for a 4-bedroom home. The property listing confirms connection to a public sewer system.
Trash Collection
$37
Standard fixed allowance for a single-family home.
Water
$116
Fixed allowance for a 4-bedroom home. The property listing confirms connection to a public water source.
Water Heating
$37
Selected 'Electric' as the fuel type for water heating. While not specified, this is a common and reasonable assumption given the available information. Allowance is for a 4-bedroom unit.
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$547
DP3 Annual Estimate$574
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$48
Replacement Value$41,910
Basis1,688 sqft / 1971
Nearby Houses
Photo unavailable
230 Shiloh Dr
sold · 0.03 mi
Price: $40,000
5 bd / 2 ba · 1,768 sqft
Latest sale: — on Oct 28, 2022
Latest rent: $1,650 on Sep 16, 2025
Photo unavailable
247 Champion Hill Dr
sold · 0.06 mi
Price: $74,000
3 bd / 2 ba · 1,227 sqft
Latest sale: — on Oct 07, 2024
Latest rent: $1,195 on Dec 31, 2024
Photo unavailable
3033 Grey Blvd
sold · 0.06 mi
Price: $17,500
3 bd / 2 ba · 1,687 sqft
Latest sale: — on Sep 05, 2025
Latest rent: —
Photo unavailable
217 Shiloh Dr
for_sale · 0.06 mi
Price: $40,000
3 bd / 1 ba · 1,053 sqft
Latest sale: — on Dec 31, 2014
Latest rent: —
Photo unavailable
126 E Santa Clair St
sold · 0.12 mi
Price: $24,000
3 bd / 1 ba · 1,296 sqft
Latest sale: — on May 27, 2022
Latest rent: $1,000 on Jan 20, 2023
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Only one exterior photo provided; interior condition is unknown. Report assumes typical occupied rental interior condition unless inspection shows otherwise.
- Tenant is currently occupying the property (listing states tenant in place); some access coordination may be required for inspection/repairs.
- No visible HVAC condenser in the provided photo, but a heating/cooling system is assumed present inside (common for a 1971 single-family home).
- Smoke and carbon monoxide detectors, GFCI kitchen/bath outlets, and deadbolt locks are not visible in photos and are assumed to be unverified; presence cannot be confirmed.
- No evidence of active roof leaks, structural sagging, or standing water observed in the provided exterior view; hidden issues could exist but none are apparent.
- Lead-based paint risk is possible because the home was built in 1971; assumed to require evaluation or disclosure per local rules.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,403 | $48,410 | $7,262 |
| 2023 | $1,396 | $48,410 | $7,262 |
| 2021 | $1,397 | $48,410 | $7,262 |
| 2020 | $1,374 | $47,910 | $7,187 |
| 2019 | $1,376 | $47,910 | $7,187 |
| 2018 | $1,360 | $47,910 | $7,187 |
| 2017 | $1,361 | $47,910 | $7,187 |
| 2016 | $1,325 | $47,910 | $7,187 |
| 2015 | $1,255 | $46,760 | $7,014 |
| 2014 | $1,254 | $46,760 | $7,014 |
| 2013 | $1,219 | $46,760 | $7,014 |
| 2012 | $1,219 | $46,760 | $7,014 |
| 2011 | $1,254 | $48,790 | $7,319 |
| 2010 | $1,246 | $48,790 | $7,319 |
| 2009 | $1,246 | $48,790 | $7,319 |
| 2008 | $1,246 | $43,410 | $6,512 |
| 2007 | $1,120 | $43,410 | $6,512 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2015-06-08 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-11-13 | Listed for rent | $1,497 | — |
| 2023-05-12 | Listed for rent | $1,150 | — |
Photo Gallery
Show raw JSON (debug)
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"source_listing_id": "4129909",
"price_change_percentage": null
},
{
"date": "2025-10-28",
"price": 90000,
"listing": {
"status": "off_market",
"list_date": "2025-10-28T13:16:39Z",
"list_price": 90000,
"listing_id": "2987759792",
"last_update_date": "2025-10-28T13:07:27Z",
"last_status_change_date": "2025-12-30T06:22:11Z"
},
"event_name": "Listed",
"price_sqft": 53.317535545023695,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4129909",
"price_change_percentage": null
},
{
"date": "2024-11-15",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1497,
"listing_id": "2974949268",
"last_update_date": "2024-11-13T23:12:26Z",
"last_status_change_date": "2024-11-15T01:06:35Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "ShowMojo",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "c49d124083",
"price_change_percentage": null
},
{
"date": "2024-11-15",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1497,
"listing_id": "2974905456",
"last_update_date": "2024-11-14T21:02:36Z",
"last_status_change_date": "2024-11-15T01:02:21Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "105a88cd-ec63-11ee-a715-06927b267943",
"price_change_percentage": null
},
{
"date": "2024-11-14",
"price": 1497,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1497,
"listing_id": "2974949268",
"last_update_date": "2024-11-13T23:12:26Z",
"last_status_change_date": "2024-11-15T01:06:35Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8868483412322274,
"source_name": "ShowMojo",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "c49d124083",
"price_change_percentage": null
},
{
"date": "2024-11-13",
"price": 1497,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1497,
"listing_id": "2974905456",
"last_update_date": "2024-11-14T21:02:36Z",
"last_status_change_date": "2024-11-15T01:02:21Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8868483412322274,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "105a88cd-ec63-11ee-a715-06927b267943",
"price_change_percentage": null
},
{
"date": "2020-03-18",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2019-03-20T17:37:32Z",
"list_price": 48000,
"listing_id": "643428775",
"last_update_date": "2019-09-04T13:46:12Z",
"last_status_change_date": "2020-03-18T07:17:47Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "364 days",
"source_listing_id": "317902",
"price_change_percentage": null
},
{
"date": "2019-03-20",
"price": 48000,
"listing": {
"status": "off_market",
"list_date": "2019-03-20T17:37:32Z",
"list_price": 48000,
"listing_id": "643428775",
"last_update_date": "2019-09-04T13:46:12Z",
"last_status_change_date": "2020-03-18T07:17:47Z"
},
"event_name": "Listed",
"price_sqft": 28.436018957345972,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "317902",
"price_change_percentage": null
},
{
"date": "2015-06-06",
"price": 16000,
"listing": {
"status": "off_market",
"list_date": "2015-04-16T07:00:00Z",
"list_price": 16000,
"listing_id": "595553783",
"last_update_date": "2015-05-29T08:44:00Z",
"last_status_change_date": "2015-05-28T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "51 days",
"source_listing_id": "274324",
"price_change_percentage": null
},
{
"date": "2015-05-28",
"price": 16000,
"listing": {
"status": "off_market",
"list_date": "2015-04-16T07:00:00Z",
"list_price": 16000,
"listing_id": "595553783",
"last_update_date": "2015-05-29T08:44:00Z",
"last_status_change_date": "2015-05-28T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "274324",
"price_change_percentage": null
},
{
"date": "2015-04-16",
"price": 21000,
"listing": {
"status": "off_market",
"list_date": "2015-04-16T07:00:00Z",
"list_price": 16000,
"listing_id": "595553783",
"last_update_date": "2015-05-29T08:44:00Z",
"last_status_change_date": "2015-05-28T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "274324",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7745612611",
"generated_at": "2026-02-16T23:19:18.482662Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.9
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/c8c5f3788e01c5c2b0ab4d436fbf67bel-m3202646491s-w1280.jpg",
"rent_price": 1341.0,
"loan_amount": 72000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/223-Champion-Hill-Dr_Jackson_MS_39212_M77456-12611",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 90000.0,
"loan_term_years": 30,
"annual_cash_flow": 12477.21,
"mortgage_monthly": 479.02,
"payment_standard": 1790.0,
"total_amount_out": 18000.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 46.71,
"monthly_cash_flow": 1039.77,
"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": "Fixed allowance for a 4-bedroom single-family home. The property listing confirms it has cooling.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Selected 'Electric' as the fuel type. While not specified, electricity is available and this is a common setup. Allowance is for a 4-bedroom unit.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Selected 'Electric' as the fuel type. The heating source is unspecified, so the more expensive 'Electric' option was chosen over 'Electric Heat Pump' for a conservative estimate. Allowance is for a 4-bedroom unit.",
"utility": "Heating",
"allowance": 64
},
{
"note": "Standard fixed allowance for general electric use (lights, outlets) in a 4-bedroom home.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Included as a tenant-paid utility because the property listing does not explicitly state these appliances are provided by the landlord.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Included as a tenant-paid utility because the property listing does not explicitly state a refrigerator is provided by the landlord.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Fixed allowance for a 4-bedroom home. The property listing confirms connection to a public sewer system.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Standard fixed allowance for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Fixed allowance for a 4-bedroom home. The property listing confirms connection to a public water source.",
"utility": "Water",
"allowance": 116
},
{
"note": "Selected 'Electric' as the fuel type for water heating. While not specified, this is a common and reasonable assumption given the available information. Allowance is for a 4-bedroom unit.",
"utility": "Water Heating",
"allowance": 37
}
],
"cash_on_cash_return": 0.69,
"down_payment_amount": 18000.0,
"property_tax_annual": 1445.09,
"property_tax_monthly": 120.42,
"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": 6729.0,
"property_management_monthly": 134.1,
"monthly_cash_flow_after_debt": 560.75,
"cash_on_cash_return_after_debt": 0.37
},
"section8_assessment": {
"runs": [
{
"summary": "Based on the single exterior photo, listing text, and property metadata, this 4BR/2BA 1971 rental appears moderately turnkey for Section 8 after a brief verification sweep. Exterior shows no obvious structural failure; however, interior life-safety items and major systems (HVAC, water heater, electrical, smoke/CO detectors, GFCI) are unverified and represent the main inspection risks. Expect minor cosmetic work, yard cleanup, and likely verification/installation of detectors and GFCI outlets. With typical tenant-occupied conditions, plan for a 1–4 week readiness window to address occupant cooperation, install/verify detectors, and remediate small repairs; if systems are found deficient, additional time and cost may be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior photo shows occupied, generally intact single-story home with intact windows, painted exterior and an attached carport. Yard is unmaintained (leaf litter, overgrown shrubs) and curb appeal is low. No visible major exterior damage, sagging, or collapsed elements. Interior condition not provided; tenant-occupied listing suggests basic habitability. Missing appliances and minor cosmetic repairs are possible but not evident from photos. Overall likely minor repairs and cosmetic work required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible life-threatening hazards in the exterior photo (no sagging roof, no collapsed elements, no standing water). However interior life-safety items (smoke/CO detectors, GFCI protection, egress windows, deadbolt locks) are not verifiable from provided materials. The home was built in 1971, so lead-paint risk exists and should be evaluated. No exposed wiring, loose rails, or other external electrical hazards are visible. Given unknowns but no observed severe hazards, moderate risk remains."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 60.0,
"rationale": "Roof appears aged but shows no visible sagging or active leak indicators from the exterior photo; shingle wear is possible given age (1971). No exterior HVAC condenser or mechanicals are visible in the photo; presence and operational status of HVAC, water heater, electrical panel and plumbing are unverified. Because major systems are unconfirmed on an older home, assign moderate concern though no catastrophic failure is evident externally."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Home has a continuous roofline, attached carport and concrete driveway. Siding/brick appears intact with no visible foundation cracking or severe deterioration in the provided view. Landscaping is overgrown with heavy leaf coverage which could conceal trip hazards or grading issues; drainage patterns are not evident. No visible infestation evidence, standing water, or severely damaged walkways in photo."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Only one exterior photo provided; interior condition is unknown. Report assumes typical occupied rental interior condition unless inspection shows otherwise.",
"Tenant is currently occupying the property (listing states tenant in place); some access coordination may be required for inspection/repairs.",
"No visible HVAC condenser in the provided photo, but a heating/cooling system is assumed present inside (common for a 1971 single-family home).",
"Smoke and carbon monoxide detectors, GFCI kitchen/bath outlets, and deadbolt locks are not visible in photos and are assumed to be unverified; presence cannot be confirmed.",
"No evidence of active roof leaks, structural sagging, or standing water observed in the provided exterior view; hidden issues could exist but none are apparent.",
"Lead-based paint risk is possible because the home was built in 1971; assumed to require evaluation or disclosure per local rules."
],
"overall_score": 66.0,
"rubric_version": "ns_pire_v1.0_2026-02"
},
{
"summary": "Based on exterior photo and listing, the property appears to be a moderately well-maintained 1971 single-family rental with tenant in place. Exterior shows no structural distress, but landscaping cleanup and routine maintenance are needed. Major NSPIRE safety and system items (smoke/CO alarms, GFCI outlets, HVAC and water heater condition, egress windows, electrical panel) could not be verified from the provided materials — given occupancy they are likely present but should be confirmed. Likely outcome: with a brief interior check and minor fixes (install/verify detectors, GFCI, repair/replace any aged fixtures), the property is likely to pass an initial HCV/NSPIRE inspection with 1–4 weeks of minor work. If interior systems are aged or detectors are missing, allow 2–6 weeks for remedial work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition and Repairs",
"score": 70.0,
"rationale": "Exterior photo shows intact roofline, painted brick/siding in place, functional carport and entry with metal security door. Yard has heavy leaf cover and overgrown shrubs that need cleanup. No visible exterior structural damage or collapsed elements. Interior not shown; listing indicates tenant in place (occupied), which suggests basic systems/appliances are functioning but may be dated. Missing interior/finish details (flooring, cabinets, cosmetic) assumed to be average for a 1971 rental, so only moderate work likely required (painting, minor cosmetic, landscaping). Missing appliances not observed; assumed present given tenant occupancy."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No visible electrical hazards, loose wiring, or collapsed ceilings from exterior photo. Entry has a security door (likely secure). Roof appears even with no visible sagging or active leaks. However critical NSPIRE items (smoke detectors, CO alarms, GFCI in kitchen/baths, bedroom egress windows, hot water, working plumbing, deadbolt on interior door) cannot be confirmed from photos. Given occupied status, it's reasonable to expect many items present, but absence of visual confirmation reduces score. No visible peeling paint or major mold from exterior; house built 1971 so lead paint risk exists but no peeling visible externally."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Major systems (HVAC, water heater, electrical panel, plumbing) are not visible in the provided exterior photo. Roof shingles appear aged but intact — likely serviceable short-term but may be nearing mid/long-term replacement given age. No visible chimney or venting issues. Tenant in place suggests systems are functional today, but age of home (1971) increases likelihood of older HVAC and water heater with limited remaining useful life. Electrical panel condition and presence of GFCI or AFCI unknown. Moderate risk due to unknowns."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Front yard shows heavy leaf litter and overgrown shrubs that should be cleared; mature trees nearby could drop debris but no fallen trees or standing water observed. Foundation line appears level with no obvious large cracks or settlement visible from this angle. Carport and driveway appear serviceable; walk path to entry seems clear. Gutters/downspouts not visible — potential drainage unknown. Overall exterior and immediate site presentable after basic landscaping and debris removal."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (bonus)",
"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 condition (floors, walls, cabinets, plumbing fixtures, smoke/CO detectors) not shown; assumed average for an occupied rental and functioning but potentially dated.",
"HVAC, water heater, stove/refrigerator and basic plumbing are present and currently operating due to tenant in place, but age may be advanced given 1971 construction.",
"No visible roof sagging or active leaks from exterior image; roof is assumed intact though shingles appear aged.",
"No peeling exterior paint observed; interior lead-based paint risk exists due to year built but no visible peeling or chipping evident from the photo.",
"Electrical panel, GFCI protection, and bedroom egress compliance unknown and assumed to be at least minimally compliant because the unit is occupied; these items must be verified during inspection."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall likelihood of passing an initial HCV/NSPIRE inspection is moderately high (score 73). Exterior condition looks intact with only minor cosmetic and site maintenance needed. Primary inspection risks are interior items not shown in photos: presence/operation of smoke and CO detectors, GFCI protection, safe electrical wiring/panel, functioning HVAC and hot water, and bedroom egress. Tenant-in-place and recent rental history are positive indicators that basic systems are operational, but an interior check and basic maintenance (smoke detectors, GFCI testing, minor yard/roof maintenance) are recommended prior to tenancy transfer or final listing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior visible from photos shows a structurally intact single-story ranch with painted brick/siding, intact windows, and a covered carport. Cosmetic deferred maintenance visible (leaf buildup, overgrown shrubs) but no obvious severe exterior damage. Roof shingles appear aged but not sagging. No interior photos to evaluate flooring, cabinets, or fixtures; listing notes an occupied rental which suggests basic functional condition. Missing appliances not evidenced; tenant in place implies appliances likely present. Overall minor-to-moderate repair needs likely, mostly cosmetic and maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No visible life-threatening hazards in exterior photo: entry door appears secure with metal/security door, no exposed exterior wiring or collapsed elements visible, windows appear intact. However interior safety items required by NSPIRE (smoke/CO detectors, GFCI in kitchen/bath, egress window compliance, secure handrails, functioning plumbing/hot water) cannot be confirmed from photos. Age of house (1971) raises likelihood of older electrical outlets and missing GFCI and potential lead-based paint risk. Given absence of visible exterior hazards but unknown interior compliance, moderate risk for inspection failures until interior is verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Plumbing, Electrical)",
"score": 60.0,
"rationale": "Roof appears intact though shingle wear is visible; no sagging or obvious leaks seen from exterior photo. No HVAC equipment is visible in the photo and interior photos are absent so presence and operation of heating/cooling, water heater, and plumbing cannot be confirmed. Electrical service and panel location not visible. Given the 1971 build date, expect systems could be original or mid-life and may need service or partial replacement; the occupied rental status improves likelihood systems are functioning but can't be relied on without inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Yard shows leaf accumulation and could use cleanup; shrubs trimmed but overgrown near foundation which can trap moisture. Driveway/carport appear serviceable and level; walk to entry seems unobstructed. Siding/paint appear largely intact and there is no visible foundation cracking or erosion in the provided photo. Drainage slope and gutters are not clearly visible, so minor site maintenance recommended."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Interior photos and systems tests not provided; assume interior is typical for an occupied 1971 rental and not catastrophically distressed.",
"Tenant-in-place and recent rental events imply working basic systems (heat/cool, hot water, plumbing) but no confirmation of code-compliant detectors or GFCI outlets.",
"No visible roof sagging or active water stains in exterior photo, so assume no active major roof leaks, though shingles appear aged and may need replacement within medium term.",
"No visible peeling exterior paint in photo; however building year (1971) implies lead-based paint risk until proven otherwise.",
"Appliances presence/condition not shown; tenant occupancy suggests at least functional basic appliances, so missing appliances were not heavily penalized."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "223 Champion Hill Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Based on the single exterior photo, listing text, and property metadata, this 4BR/2BA 1971 rental appears moderately turnkey for Section 8 after a brief verification sweep. Exterior shows no obvious structural failure; however, interior life-safety items and major systems (HVAC, water heater, electrical, smoke/CO detectors, GFCI) are unverified and represent the main inspection risks. Expect minor cosmetic work, yard cleanup, and likely verification/installation of detectors and GFCI outlets. With typical tenant-occupied conditions, plan for a 1–4 week readiness window to address occupant cooperation, install/verify detectors, and remediate small repairs; if systems are found deficient, additional time and cost may be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 71.7,
"rationale": "Exterior photo shows occupied, generally intact single-story home with intact windows, painted exterior and an attached carport. Yard is unmaintained (leaf litter, overgrown shrubs) and curb appeal is low. No visible major exterior damage, sagging, or collapsed elements. Interior condition not provided; tenant-occupied listing suggests basic habitability. Missing appliances and minor cosmetic repairs are possible but not evident from photos. Overall likely minor repairs and cosmetic work required."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.7,
"rationale": "Home has a continuous roofline, attached carport and concrete driveway. Siding/brick appears intact with no visible foundation cracking or severe deterioration in the provided view. Landscaping is overgrown with heavy leaf coverage which could conceal trip hazards or grading issues; drainage patterns are not evident. No visible infestation evidence, standing water, or severely damaged walkways in photo."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible life-threatening hazards in the exterior photo (no sagging roof, no collapsed elements, no standing water). However interior life-safety items (smoke/CO detectors, GFCI protection, egress windows, deadbolt locks) are not verifiable from provided materials. The home was built in 1971, so lead-paint risk exists and should be evaluated. No exposed wiring, loose rails, or other external electrical hazards are visible. Given unknowns but no observed severe hazards, moderate risk remains."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 60.0,
"rationale": "Roof appears aged but shows no visible sagging or active leak indicators from the exterior photo; shingle wear is possible given age (1971). No exterior HVAC condenser or mechanicals are visible in the photo; presence and operational status of HVAC, water heater, electrical panel and plumbing are unverified. Because major systems are unconfirmed on an older home, assign moderate concern though no catastrophic failure is evident externally."
}
],
"red_flags": [],
"confidence": 0.85,
"assumptions": [
"Only one exterior photo provided; interior condition is unknown. Report assumes typical occupied rental interior condition unless inspection shows otherwise.",
"Tenant is currently occupying the property (listing states tenant in place); some access coordination may be required for inspection/repairs.",
"No visible HVAC condenser in the provided photo, but a heating/cooling system is assumed present inside (common for a 1971 single-family home).",
"Smoke and carbon monoxide detectors, GFCI kitchen/bath outlets, and deadbolt locks are not visible in photos and are assumed to be unverified; presence cannot be confirmed.",
"No evidence of active roof leaks, structural sagging, or standing water observed in the provided exterior view; hidden issues could exist but none are apparent.",
"Lead-based paint risk is possible because the home was built in 1971; assumed to require evaluation or disclosure per local rules."
],
"score_method": "mean_of_criteria",
"overall_score": 66.9,
"rubric_version": "ns_pire_v1.0_2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7745612611"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.