Property ID: 7782807874
315 Cedarwood Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $24,696
CoC Return: 15.82%
Monthly Cash Flow: $326
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,580
Closing Costs
$4,116
Total Down
$24,696
Investment Snapshot
Purchase Price
$102,900
Money Down
$24,696
Cash-on-Cash Return
15.82%
Rent
$1,241
Monthly Cash Flow
$326
Annual Cash Flow
$3,907
Debt Service / Mo
$548
Property Tax / Mo
$181
Insurance / Mo
$63
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,241
Payment Standard
$1,620
Rent
$1,241
Insurance
$63
Property Tax
$181
Management
$124
Utilities Allowance
$379
NOI (Monthly)
$873
Debt Service
$548
Cash Flow After Debt
$326
Quality Score: 64.60%
Confidence: 92.00%
Overall this 1974 brick single‑family shows solid basic structure and necessary systems present (HVAC unit, appliances, fireplace). Most issues are cosmetic or routine maintenance. Primary inspection risks are an aged roof with moss/staining, an older chimney needing inspection, and several safety/code items that cannot be confirmed from photos (smoke/CO alarms, GFCI, electrical panel). With targeted repairs/verification (roof assessment, chimney/flue service, install/confirm detectors and GFCI where required, minor exterior and cosmetic work) the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. Current condition is not turnkey but rentable after modest repairs.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,241
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$102,900
Beds
3
Baths
2
Living Area
1,501 sqft
Lot Size
10,890 sqft
Year Built
1974
Days on Market
5
Capital Outlay
$24,696
Debt Service
$548
Property Tax / Mo
$181
Insurance / Mo
$63
Property Description
Hurry! Investor special. 3 bedroom, 2 bath home with large family room and brick fireplace with insert. Great opportunity for an investor or cash buyer.
Utility Allowances
Air Conditioning
$12
Property has central air conditioning. The allowance is based on the 3-bedroom rate for a single family home.
Cooking
$11
The property lists an 'Electric Range'. The electric cooking option for a 3-bedroom unit was selected.
Heating
$50
The property lists 'Electric' heating. The electric heating option for a 3-bedroom unit was selected.
Other Electric
$69
Standard allowance for general tenant electric usage (lights, outlets, etc.) for a 3-bedroom unit.
Range/Microwave
$3
A microwave was not explicitly listed as a provided appliance, so the tenant-supplied allowance is included as per the rules.
Refrigerator
$4
A refrigerator was not explicitly listed as a provided appliance in the property's RESO facts, so the tenant-supplied allowance is included as per the rules.
Sewer
$60
The property is listed as having 'Public Sewer'. The allowance is for a 3-bedroom unit.
Trash Collection
$37
Standard allowance for municipal trash collection for a single family home.
Water
$104
The property is listed as having a 'Public' water source. The allowance is for a 3-bedroom unit.
Water Heating
$29
The property lists an 'Electric Water Heater'. The electric water heating option for a 3-bedroom unit 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$737
DP3 Annual Estimate$771
DP1 Monthly Equivalent$61
DP3 Monthly Equivalent$64
Replacement Value$60,690
Basis1,501 sqft / 1974
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252 Lake Cove Dr
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Photo unavailable
133 Waywood Dr
sold · 0.27 mi
Price: $135,000
3 bd / 2 ba · 1,452 sqft
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Latest rent: —
Photo unavailable
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sold · 0.28 mi
Price: $130,000
3 bd / 1 ba · 1,415 sqft
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Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Aged/stained roof with moss/organic buildup (visible especially over carport) — potential for roof leaks or near-term replacement.
- Chimney top/discoloration visible — possible mortar/flashing deterioration; fireplace/insert requires professional inspection before tenant use.
- No photos confirming presence/operation of smoke detectors or CO alarms — failing to have these is an automatic NSPIRE fail.
- Electrical/GFCI coverage and panel not shown — inability to confirm GFCI in kitchen/bath and panel condition increases inspection risk.
Assumptions
- Interior utility function (electric, water, HVAC, hot water) is not verified in photos; assume utilities can be made operational but require verification.
- Kitchen appliances shown (stove, refrigerator, dishwasher) are present and generally functional but have not been tested.
- No visible major foundation movement or roof collapse in provided photos; assume no hidden structural sag without further evidence.
- Smoke detectors, CO alarms, GFCI outlets and electrical panel condition are unknown because not pictured; assume none are guaranteed to be code‑compliant until verified.
- Chimney/fireplace insert shown but condition and venting have not been inspected; assume a sweep/inspection is needed before safe tenant use.
- No interior water damage or active mold was visible in supplied photos; assume none obvious but recommend moisture inspection given roof condition.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $2,107 | $72,690 | $10,904 |
| 2023 | $2,097 | $72,690 | $10,904 |
| 2021 | $2,098 | $72,690 | $10,904 |
| 2020 | $2,063 | $71,910 | $10,787 |
| 2019 | $2,065 | $71,910 | $10,787 |
| 2018 | $2,042 | $71,910 | $10,787 |
| 2017 | $2,043 | $71,910 | $10,787 |
| 2016 | $1,989 | $71,910 | $10,787 |
| 2015 | $1,897 | $70,670 | $10,601 |
| 2014 | $1,895 | $70,670 | $10,601 |
| 2013 | $1,842 | $70,670 | $10,601 |
| 2012 | $1,842 | $70,670 | $10,601 |
| 2011 | $1,813 | $70,570 | $10,586 |
| 2010 | $1,803 | $70,570 | $10,586 |
| 2009 | $1,803 | $70,570 | $10,586 |
| 2008 | $1,803 | $61,810 | $9,272 |
| 2007 | $1,596 | $61,810 | $9,272 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Listed | $102,900 |
Photo Gallery
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"label": "Condition / Repairs",
"score": 70.0,
"rationale": "Interior appears lived-in but intact: carpet looks recently replaced or in fair condition, walls/ceilings appear finished and without visible collapse, kitchen appliances (stove, fridge, dishwasher) visible. Cabinetry, countertops and vinyl flooring are dated and show moderate wear. Exterior brick and trim are intact but landscaping is overgrown in places. Missing minor cosmetic items likely (touch-up paint, trim, outlet covers). Overall repair needs are mostly cosmetic and mid-level carpentry/finish work rather than structural."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed live wiring). However important NSPIRE safety elements are not visible in photos: smoke detectors and CO alarms are not shown, GFCI outlets in kitchen/bath not visible, electrical panel and labeling not shown. Fireplace with insert and an older chimney is present — requires inspection/cleaning/verification of safe venting. Roof shows heavy staining/moss in areas (possible deterioration) which increases risk of leaks. Entry door appears serviceable but deadbolt not clearly visible. Because several mandatory safety items cannot be confirmed from photos and chimney/roof show signs of age, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 60.0,
"rationale": "Exterior HVAC condenser unit is present (appears intact) which is a positive indicator of heating/cooling availability, and major kitchen appliances are present. However roof shingles show significant staining and organic buildup (especially over carport) and likely are mid-to-late life — shingles may require replacement in short term. Water heater, electrical panel, plumbing supply/drain condition and operation of HVAC, hot water and appliances cannot be confirmed from photos. Chimney top shows discoloration/staining and may need repointing/flashing. Systems appear present but aged; verification and likely some maintenance required."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 65.0,
"rationale": "Brick exterior walls appear sound with no visible large foundation cracks in supplied photos. Driveway and carport have surface cracking and leaf/debris accumulation; carport roof has moss/debris which could lead to deterioration. Trees are close to the structure which increases risk of roof/leaf buildup and root impacts. Yard slopes appear moderate; rear fence present. Overall exterior is functional but needs cleaning, tree trimming, minor concrete repair and routine maintenance."
}
],
"red_flags": [
"Aged/stained roof with moss/organic buildup (visible especially over carport) — potential for roof leaks or near-term replacement.",
"Chimney top/discoloration visible — possible mortar/flashing deterioration; fireplace/insert requires professional inspection before tenant use.",
"No photos confirming presence/operation of smoke detectors or CO alarms — failing to have these is an automatic NSPIRE fail.",
"Electrical/GFCI coverage and panel not shown — inability to confirm GFCI in kitchen/bath and panel condition increases inspection risk."
],
"confidence": 0.65,
"assumptions": [
"Interior utility function (electric, water, HVAC, hot water) is not verified in photos; assume utilities can be made operational but require verification.",
"Kitchen appliances shown (stove, refrigerator, dishwasher) are present and generally functional but have not been tested.",
"No visible major foundation movement or roof collapse in provided photos; assume no hidden structural sag without further evidence.",
"Smoke detectors, CO alarms, GFCI outlets and electrical panel condition are unknown because not pictured; assume none are guaranteed to be code‑compliant until verified.",
"Chimney/fireplace insert shown but condition and venting have not been inspected; assume a sweep/inspection is needed before safe tenant use.",
"No interior water damage or active mold was visible in supplied photos; assume none obvious but recommend moisture inspection given roof condition."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 1974 single‑family home is structurally intact in the photos and appears likely to pass an initial Section 8 (NSPIRE) inspection after addressing moderate, mostly cosmetic and code‑related items. Primary concerns to address before inspection: install/verify smoke and CO detectors, ensure GFCI protection in kitchen and bathrooms, clean gutters/roof and remove debris from carport, trim shrubs blocking windows, repair driveway trip hazards, and perform basic functional checks on HVAC, hot water, and electrical systems. No immediate catastrophic structural issues are visible, but some systems (roof, chimney) show aging and should be inspected/serviced.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 75.0,
"rationale": "Interior and exterior show cosmetic age but no severe visible destruction. Kitchen has appliances (stove, refrigerator, dishwasher) present, cabinetry and counters date but intact. Living room carpet appears recently replaced; paneling and popcorn ceilings are cosmetic but acceptable. Driveway has surface cracking; landscaping needs trimming; some debris in carport roof. Overall items are primarily cosmetic or minor repairs (flooring touch-ups, paint, trim, driveway patching). Missing major interior photos (bathrooms) assumed serviceable."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 60.0,
"rationale": "No immediate life‑threatening hazards visible (no collapsed ceilings, standing water, exposed wiring). Central HVAC registers visible and exterior unit present. However: no smoke/CO detectors are visible in interior photos (likely required), GFCI outlets are not observed in kitchen/bath, chimney shows staining and some mortar wear, satellite dish mounted through roof area (potential penetrations). Egress windows likely present for bedrooms based on floorplan but not visually confirmed. These issues create moderate inspection risk until verified or corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Exterior HVAC condenser is present (suggests forced-air system). Kitchen plumbing fixtures appear functional (double sink). Electric stove present. Electrical panel and water heater not photographed; assumed present but unverified. Roof shows heavy staining and leaf/debris buildup, and carport roof has debris accumulation—roof likely near mid/late life and should be cleaned/inspected for leaks. No visible sagging or active leaks. Recommend functional tests (heat/cool, hot water, electrical) prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Conditions",
"score": 62.0,
"rationale": "Brick envelope appears sound; foundation looks level with no obvious major cracks. Trees are close to structure and there is leaf/organic buildup on roof and carport, increasing risk of clogged gutters and roof deterioration. Driveway is cracked and uneven in areas (trip hazard potential). Shrubbery obscures some windows/egress and should be trimmed. Fencing/backyard not visible to assess drainage or hazards. Overall repair/replacement needs are moderate and mostly preventative."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they are not installed or not correctly located until verified.",
"GFCI outlets are not visible in kitchen/bath; assume they are absent or outdated until tested/verified.",
"HVAC system is present and likely operable because an exterior condenser and interior vents are visible; functionality not confirmed.",
"Water heater and electrical panel are present but were not photographed; assume accessible and intact unless inspection shows otherwise.",
"Bathrooms were not photographed; their condition is assumed serviceable but could change the assessment if in poor condition.",
"Fireplace has an insert (listing), but flue/venting and carbon monoxide safety were not inspected and should be verified before use.",
"No visible mold, major foundation movement, collapsed ceilings, or standing water in provided photos; more thorough on-site inspection could reveal hidden issues."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 2-bath 1974 single-family appears generally structurally intact and likely could pass a Housing Choice Voucher (NSPIRE) initial inspection after targeted repairs and verifications. Primary issues to address before inspection: install/verify smoke and CO alarms, confirm GFCI protection in kitchen/bath, investigate and repair the ceiling/kitchen discoloration (possible roof or plumbing leak), clean/repair roof and chimney, trim trees/shrubs, and confirm the HVAC, water heater and electrical panel are operable and code-compliant. Most defects are cosmetic or moderate service items; however, the roof/ceiling staining and chimney condition are the highest-priority items that could become inspection failures if active problems are confirmed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Overall the house shows cosmetic deferred maintenance and dated finishes but no obvious structural collapse. Interior: dated wood paneling, older cabinets, worn vinyl flooring in kitchen, but working appliances (stove, refrigerator, dishwasher) are present in photos which reduces penalty. Living room carpet looks recently replaced or in fair condition; fireplace hearth intact. Exterior: brick façade in good shape, shrubs need trimming and driveway has hairline/medium cracks. No visible major water damage inside other than minor ceiling discoloration in kitchen area. These are mostly easy-to-fix or capital items (cosmetic, flooring, paint, trim) and would not by themselves cause a failure on initial HCV/NSPIRE inspection."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Moderate inspection risk. Positive: windows in living areas/bedrooms look like standard egress windows; entry appears to have a secure door with deadbolt hardware visible. No exposed wiring or open electrical boxes visible. Concerns: no smoke detectors or carbon monoxide alarms are visible in the interior photos (required); kitchen GFCI outlet not visible and likely absent given house age; a round ceiling discoloration in the kitchen area could indicate a roof or plumbing leak (possible active leak). Fireplace has an insert — flue/vent condition is unknown and could trigger CO/fire concerns if not serviced. Exterior satellite dish mounting and nearby chimney mortar deterioration could be points of water intrusion or roof penetration. These items create moderate risk of a NSPIRE fail until verified or corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 60.0,
"rationale": "Major systems presence is positive: exterior central AC condensing unit is present and ceiling vents visible inside, indicating central HVAC. Kitchen appliances present and double sink plumbing appears intact. However, no photos of electrical panel, water heater, or furnace; their condition is unknown. Roof shows heavy discoloration/staining and moss/leaf debris on the carport roof – signs of aging and potential life remaining concerns; chimney crown/mortar appears deteriorated and may need repair. Given the visible AC unit, HVAC presence lowers risk, but roof/vent/chimney issues and unknowns around electrical/water heater reduce the score."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Exterior brick walls and siding appear intact with no obvious foundation cracking visible from photos. Driveway and carport concrete show cracks and leaf/organic buildup; carport roof has moss/organic debris that should be cleaned. Trees grow very close to the house and overhang the roof, increasing risk of roof damage and debris build-up; shrubs are close to foundation and should be trimmed for moisture control. Fencing and yard slope are not fully shown; no visible standing water. Overall service/maintenance items and some mitigation (tree trimming, gutter/roof cleaning, driveway repair) required but not structural failures."
}
],
"red_flags": [
"Possible ceiling/roof leak indicated by discoloration/stain in kitchen ceiling (investigate and repair).",
"Chimney shows mortar/staining and fireplace insert/vent condition unknown — potential venting/CO risk if not serviced.",
"No visible smoke detectors or carbon monoxide alarms in interior photos (code-required).",
"Roof aging, staining and moss/leaf buildup on carport roof — could indicate limited remaining life and water intrusion risk.",
"Large trees overhanging roof and close to structure (risk for roof damage and debris accumulation)."
],
"confidence": 0.65,
"assumptions": [
"AC condensing unit visible is operational or can be made operational with routine service; no photos of furnace/water heater but typical systems exist in the home.",
"No active infestations or severe mold are present inside; photos show no obvious widespread mold growth.",
"Electrical panel condition and circuit labeling are unknown (not shown) and assumed typical for a 1974 home unless inspected otherwise.",
"Smoke detectors and carbon monoxide alarms are not present in photos and are assumed absent or insufficient — they will need to be installed/verified.",
"Kitchen and bathroom plumbing fixtures are functional based on visual condition (no visible leaks), but hot water availability was not confirmed.",
"The ceiling discoloration in the kitchen area indicates either a previous or active leak; this assessment treats it as a potential active leak until proven otherwise."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "315 Cedarwood Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Overall this 1974 brick single‑family shows solid basic structure and necessary systems present (HVAC unit, appliances, fireplace). Most issues are cosmetic or routine maintenance. Primary inspection risks are an aged roof with moss/staining, an older chimney needing inspection, and several safety/code items that cannot be confirmed from photos (smoke/CO alarms, GFCI, electrical panel). With targeted repairs/verification (roof assessment, chimney/flue service, install/confirm detectors and GFCI where required, minor exterior and cosmetic work) the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. Current condition is not turnkey but rentable after modest repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 71.7,
"rationale": "Interior appears lived-in but intact: carpet looks recently replaced or in fair condition, walls/ceilings appear finished and without visible collapse, kitchen appliances (stove, fridge, dishwasher) visible. Cabinetry, countertops and vinyl flooring are dated and show moderate wear. Exterior brick and trim are intact but landscaping is overgrown in places. Missing minor cosmetic items likely (touch-up paint, trim, outlet covers). Overall repair needs are mostly cosmetic and mid-level carpentry/finish work rather than structural."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 64.0,
"rationale": "Brick exterior walls appear sound with no visible large foundation cracks in supplied photos. Driveway and carport have surface cracking and leaf/debris accumulation; carport roof has moss/debris which could lead to deterioration. Trees are close to the structure which increases risk of roof/leaf buildup and root impacts. Yard slopes appear moderate; rear fence present. Overall exterior is functional but needs cleaning, tree trimming, minor concrete repair and routine maintenance."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 58.3,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed live wiring). However important NSPIRE safety elements are not visible in photos: smoke detectors and CO alarms are not shown, GFCI outlets in kitchen/bath not visible, electrical panel and labeling not shown. Fireplace with insert and an older chimney is present — requires inspection/cleaning/verification of safe venting. Roof shows heavy staining/moss in areas (possible deterioration) which increases risk of leaks. Entry door appears serviceable but deadbolt not clearly visible. Because several mandatory safety items cannot be confirmed from photos and chimney/roof show signs of age, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 61.7,
"rationale": "Exterior HVAC condenser unit is present (appears intact) which is a positive indicator of heating/cooling availability, and major kitchen appliances are present. However roof shingles show significant staining and organic buildup (especially over carport) and likely are mid-to-late life — shingles may require replacement in short term. Water heater, electrical panel, plumbing supply/drain condition and operation of HVAC, hot water and appliances cannot be confirmed from photos. Chimney top shows discoloration/staining and may need repointing/flashing. Systems appear present but aged; verification and likely some maintenance required."
}
],
"red_flags": [
"Aged/stained roof with moss/organic buildup (visible especially over carport) — potential for roof leaks or near-term replacement.",
"Chimney top/discoloration visible — possible mortar/flashing deterioration; fireplace/insert requires professional inspection before tenant use.",
"No photos confirming presence/operation of smoke detectors or CO alarms — failing to have these is an automatic NSPIRE fail.",
"Electrical/GFCI coverage and panel not shown — inability to confirm GFCI in kitchen/bath and panel condition increases inspection risk."
],
"confidence": 0.92,
"assumptions": [
"Interior utility function (electric, water, HVAC, hot water) is not verified in photos; assume utilities can be made operational but require verification.",
"Kitchen appliances shown (stove, refrigerator, dishwasher) are present and generally functional but have not been tested.",
"No visible major foundation movement or roof collapse in provided photos; assume no hidden structural sag without further evidence.",
"Smoke detectors, CO alarms, GFCI outlets and electrical panel condition are unknown because not pictured; assume none are guaranteed to be code‑compliant until verified.",
"Chimney/fireplace insert shown but condition and venting have not been inspected; assume a sweep/inspection is needed before safe tenant use.",
"No interior water damage or active mold was visible in supplied photos; assume none obvious but recommend moisture inspection given roof condition."
],
"score_method": "mean_of_criteria",
"overall_score": 64.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7782807874"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.