Property ID: 7785593557
1441 Central St, Jackson, MS, 39203
Jackson, MS
Money Down: $19,896
CoC Return: 19.40%
Monthly Cash Flow: $322
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,580
Closing Costs
$3,316
Total Down
$19,896
Investment Snapshot
Purchase Price
$82,900
Money Down
$19,896
Cash-on-Cash Return
19.40%
Rent
$981
Monthly Cash Flow
$322
Annual Cash Flow
$3,859
Debt Service / Mo
$441
Property Tax / Mo
$73
Insurance / Mo
$47
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$981
Payment Standard
$1,310
Rent
$981
Insurance
$47
Property Tax
$73
Management
$98
Utilities Allowance
$329
NOI (Monthly)
$763
Debt Service
$441
Cash Flow After Debt
$322
Quality Score: 75.90%
Confidence: 95.00%
Overall the property appears to be in good, largely move-in condition with only minor-to-moderate cosmetic repairs needed (carpet cleaning/replacement, paint/touch-ups, exterior trim/porch finishing). Key safety items (smoke detectors, deadbolt, bedroom egress) are visible. Major systems appear present (central HVAC, gas range, refrigerator) and the exterior envelope looks sound. Unknowns that should be verified on-site: GFCI protection at kitchen/baths, carbon monoxide alarm presence, hot water and water heater condition, electrical panel condition, and the condition of bathrooms (not shown). Likely to pass an initial HCV/NSPIRE inspection after addressing carpet replacement/cleaning and confirming GFCI/CO alarms if required.
Section 8 Payment Standard
$1,310
Utility Allowance Total
$329
Guaranteed Section 8 Rent (PS - Utilities)
$981
Property Management
$98
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$82,900
Beds
3
Baths
2
Living Area
1,260 sqft
Lot Size
9,583 sqft
Year Built
2008
Days on Market
167
Capital Outlay
$19,896
Debt Service
$441
Property Tax / Mo
$73
Insurance / Mo
$47
Property Description
Come check out this beautiful 3 bedroom, 2 full bathroom house! Built in 2008 this home stands out with modern construction and still a cozy charm. Call your Realtor today!
Utility Allowances
Air Conditioning
$12
Property has Central Air cooling; allowance based on the schedule for a 3-bedroom unit.
Cooking
$8
Property has a natural gas connection, so the natural gas allowance for cooking was selected from the schedule.
Heating
$21
Property has central heating and is connected to natural gas, so the natural gas heating allowance was selected.
Other Electric
$69
Standard allowance for miscellaneous tenant-paid electric usage (lights, small appliances) not covered by other categories.
Sewer
$60
Property is connected to 'Public Sewer'; this is the standard allowance for a 3-bedroom unit.
Trash Collection
$37
Trash collection is assumed to be a tenant responsibility as is standard for single-family homes.
Water
$104
Property is connected to a 'Public' water source; this is the standard allowance for a 3-bedroom unit.
Water Heating
$18
Property has a natural gas connection, which is assumed to be the fuel source for the water heater.
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$556
DP3 Annual Estimate$581
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$48
Replacement Value$48,000
Basis1,260 sqft / 2008
Nearby Houses
Photo unavailable
1326 Central St Lot 26/28
off_market · 0.09 mi
Price: $122,500
4 bd / 2 ba · 1,727 sqft
Latest sale: —
Latest rent: —
Photo unavailable
730 Roseneath Ave
sold · 0.12 mi
Price: $31,000
4 bd / 2 ba · 1,508 sqft
Latest sale: — on Oct 19, 2023
Latest rent: —
Photo unavailable
746 S Prentiss St
sold · 0.14 mi
Price: $55,000
2 bd / 1 ba · 1,359 sqft
Latest sale: — on Jun 23, 2023
Latest rent: —
Photo unavailable
830 S Prentiss St
sold · 0.14 mi
Price: $70,000
4 bd / 2 ba · 2,032 sqft
Latest sale: — on Oct 20, 2023
Latest rent: —
Photo unavailable
1325 Fourth Ave
for_sale · 0.22 mi
Price: $74,000
2 bd / 2 ba · 1,222 sqft
Latest sale: —
Latest rent: —
Photo unavailable
517 Hemlock St
sold · 0.24 mi
Price: $29,900
3 bd / 2 ba · 1,383 sqft
Latest sale: — on Mar 02, 2022
Latest rent: $725 on Apr 08, 2022
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors visible in photos are functional and installed per code (one shown near living area and one in hall).
- Central HVAC is present and operational based on visible ceiling vents and thermostat; performance not directly tested in photos.
- Appliances shown (refrigerator, gas stove, dishwasher) are included and operational unless the listing indicates otherwise.
- No major roof leaks or hidden structural damage exist since ceilings show no staining or sagging in multiple interior photos.
- Bathrooms exist and are functional (listing states 2 full baths) though not shown; their condition may affect final inspection.
- Electrical panel and water heater are located elsewhere on site and are in serviceable condition unless inspection reveals otherwise.
- GFCI outlets and carbon monoxide alarm status are unknown — assume may be missing until verified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2018 | $847 | $57,110 | $5,711 |
| 2017 | $847 | $57,110 | $5,711 |
| 2016 | $819 | $57,110 | $5,711 |
| 2015 | $788 | $56,760 | $5,676 |
| 2014 | $786 | $56,760 | $5,676 |
| 2013 | $758 | $56,760 | $5,676 |
| 2012 | $758 | $56,760 | $5,676 |
| 2011 | $716 | $54,780 | $5,478 |
| 2010 | $711 | $54,780 | $5,478 |
| 2009 | $711 | $54,780 | $5,478 |
| 2008 | $819 | $25,510 | $3,827 |
| 2007 | $658 | $25,510 | $3,827 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-06 | Price Changed | $82,900 |
| 2025-09-02 | Listed | $84,900 |
Photo Gallery
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"summary": "Overall the property appears to be in good, largely move-in condition with only minor-to-moderate cosmetic repairs needed (carpet cleaning/replacement, paint/touch-ups, exterior trim/porch finishing). Key safety items (smoke detectors, deadbolt, bedroom egress) are visible. Major systems appear present (central HVAC, gas range, refrigerator) and the exterior envelope looks sound. Unknowns that should be verified on-site: GFCI protection at kitchen/baths, carbon monoxide alarm presence, hot water and water heater condition, electrical panel condition, and the condition of bathrooms (not shown). Likely to pass an initial HCV/NSPIRE inspection after addressing carpet replacement/cleaning and confirming GFCI/CO alarms if required.",
"criteria": [
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"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 72.0,
"rationale": "Interior is generally intact with functioning fixtures and appliances visible (refrigerator, gas range, dishwasher). Primary visible deferred items are stained/worn carpeting throughout living areas and bedrooms, minor cosmetic touch-ups (trim/paint), and light landscaping/porch skirt vegetation that should be removed. No collapsed surfaces or major finish failures seen. Missing information: bathrooms not shown; carpets may hide subfloor damage but no evidence of structural failure in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 80.0,
"rationale": "Smoke detectors are visible in multiple interior photos and a deadbolt is present on the entry door. Windows in bedrooms appear to be standard egress double-hung types. No exposed wiring, visible electrical hazards, loose guardrails, or collapsed ceilings observed. Unknowns: GFCI protection at kitchen sink and bathrooms not clearly visible, carbon monoxide alarm not observed (may be required depending on local code), bathrooms not imaged for ventilation/fixtures. No active leaks or mold-like staining visible."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 78.0,
"rationale": "Ceiling HVAC vents and a thermostat/return are visible indicating central HVAC (likely operational). Kitchen shows a gas range and appliances in place. Roof and exterior shingles look intact in exterior photos; no visible sagging or major water stains on ceilings. Electrical panel and water heater not shown. Given 2008 construction, systems likely modern but not confirmed; recommend verification of HVAC operation, water heater, electrical panel condition, and hot water availability."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 82.0,
"rationale": "Brick exterior and roof appear sound; driveway and yard are serviceable and free of standing water in photos. Front porch and guardrail are present and appear functional though railing and posts show minor cosmetic weathering and need paint/finish. Landscaping slightly overgrown at the porch base which could hide skirt damage; no visible foundation cracks, major erosion, or pest infestation evidence."
}
],
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"confidence": 0.75,
"assumptions": [
"Smoke detectors visible in photos are functional and installed per code (one shown near living area and one in hall).",
"Central HVAC is present and operational based on visible ceiling vents and thermostat; performance not directly tested in photos.",
"Appliances shown (refrigerator, gas stove, dishwasher) are included and operational unless the listing indicates otherwise.",
"No major roof leaks or hidden structural damage exist since ceilings show no staining or sagging in multiple interior photos.",
"Bathrooms exist and are functional (listing states 2 full baths) though not shown; their condition may affect final inspection.",
"Electrical panel and water heater are located elsewhere on site and are in serviceable condition unless inspection reveals otherwise.",
"GFCI outlets and carbon monoxide alarm status are unknown — assume may be missing until verified."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2008-built single-family appears largely rent-ready with mostly cosmetic work and minor safety/code follow-up. Visible systems and envelope are intact and appliances are present. Main NSPIRE risks to verify before leasing: presence and operation of carbon-monoxide alarm (required with gas range), GFCI protection at kitchen/bath outlets, confirmed hot water and functioning water heater, electrical panel condition, and bedroom egress sizing. With targeted minor repairs and verifications (carpet cleaning/replacement, paint/porch trim, GFCI/CO checks), the property would likely pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior and exterior show generally good maintenance with mostly cosmetic issues. Photos show intact walls, ceilings and functioning fixtures; tile kitchen floor appears in good condition. Carpets are stained/worn in living and bedrooms and should be cleaned or replaced. Porch skirt paint is peeling and lower trim/railings and some posts need paint/finish. Major appliances (refrigerator, range, dishwasher) are present in photos — missing-appliance risk low. Overall repairs are minor/cosmetic and easily addressed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 70.0,
"rationale": "No life-threatening hazards visible: ceilings intact, no sagging, no standing water, no exposed wiring in photos. Smoke detector(s) are visible in living areas. The range is gas (visible), which creates a need for a verified working carbon-monoxide alarm and confirmed gas appliance safety; a dedicated CO alarm is not clearly identified in photos. Kitchen outlets near sink do not show visible GFCI devices — possible GFCI deficiency. Bedroom egress appears plausible from photos (typical double-hung windows), but measurements cannot be confirmed. Entry door has a keyed lock and likely a deadbolt (photo shows two lock points), but this is assumed. These unknowns (CO alarm, GFCI, egress sizing, panel access) reduce the safety score moderately."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Central HVAC registers and ceiling vents are visible, indicating a central heating/AC system likely present. Gas range visible suggests active gas supply. Water heater and electrical panel are not shown so their condition is assumed serviceable. Roof appears shingled and flat with no visible sagging or active roof damage from exterior photos. Because major systems (water heater, electrical panel, furnace/AHU) are not visible, a moderate systems risk is assumed but no overt failure indicators are present in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick exterior appears sound; roofline appears even with no visible large defects. Driveway is intact and yard slopes away from house somewhat; no standing water or erosion observed. Porch and railings are present though need repaint/finish and shrubs are overgrown and should be trimmed for safe egress. No visible foundation cracks, termite damage, or exterior structural sagging observed in provided photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational (ceiling vents/registers visible).",
"There is a functioning water heater and hot water supply (not pictured).",
"Entry door includes at least a latch and likely a deadbolt (two lock points visible); if not, deadbolt will be required.",
"Smoke detectors are present (visible in photos) and functioning; at least one CO alarm is not clearly visible and is assumed absent until verified.",
"Kitchen outlets near the sink are standard outlets; GFCI protection is not visibly present and is assumed potentially missing.",
"Bedroom windows provide code egress dimensions typical for the construction era; exact measurements are not available from photos.",
"Electrical panel is present and intact but not shown; no exposed wiring observed in living spaces.",
"No active roof leaks or major foundation movement are present based on exterior photos and even roofline; hidden issues cannot be ruled out.",
"Bathrooms are functional (2 full baths listed) though not shown in photos; plumbing fixtures assumed operational unless inspection finds otherwise.",
"No recent rental history in last 5 years (rental_history_last_5y indicates missing) and therefore rental history was excluded from scoring."
],
"overall_score": 76.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed, 2-bath 2008 brick home appears largely rent‑ready for a Section 8/HCV initial inspection after completing a few quick checks and small fixes. Primary improvements before move‑in: install/verify carbon monoxide alarm (required if gas range), confirm or install GFCI protection at kitchen/bath outlets, deep clean or replace stained carpeting, touch up/paint porch posts and railings, and verify operation/serviced status of HVAC, water heater and electrical panel. No visible structural failures or life‑threatening hazards were observed in the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Exterior and interior photos show a well‑maintained 2008 brick home with intact roofline and siding, functioning kitchen appliances (range, refrigerator, dishwasher) present, and cabinetry in good condition. Observable deferred items are mostly cosmetic: stained/soiled carpeting in living/bedrooms, minor landscaping/overgrowth at foundation, porch paint/trim and railing needs refinishing, and some worn baseboard/carpeting edges. No visible collapsed finishes or large holes. Missing appliances are not an issue here (major appliances present). These are largely easy-to-fix or maintenance items; laundry/cleaning, repaint, carpet replacement or deep cleaning, and porch refinishing would make the unit turnkey."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 72.0,
"rationale": "Photos show at least one ceiling smoke detector in living area and functioning window egress in bedrooms. Entry door appears to have a deadbolt. No visible exposed wiring, electrical hazards, or roof/ceiling sagging. Inspection risks: I cannot confirm a carbon monoxide alarm (required where fuel-burning appliances are present) — the range appears to be gas so a CO alarm will likely be required. I also cannot confirm GFCI-protected receptacles at the kitchen sink (visible outlets have standard covers). Bathrooms are not shown so plumbing fixtures and hot water cannot be visually confirmed. These missing/uncertain items are moderate inspection risks but are typically corrected quickly (install CO alarm, install/verify GFCI)."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 70.0,
"rationale": "Visible ceiling vents and registers indicate central HVAC ducting is present; no visible evidence of malfunction (no stains around registers). Kitchen appliances appear operable. Roof appears intact from exterior photos with no visible sag or active leak indicators. Water heater, HVAC equipment, and electrical panel are not shown so their conditions are assumed serviceable given the home's age (2008) and good visible condition, but these should be confirmed. Because major systems are not directly pictured, I score conservatively; likely functional but requires verification (service records or on-site inspection)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Front yard, driveway and walkways appear in good repair and well‑graded. Brick exterior looks sound, roofline and gutters appear intact in photos, and porch guardrail is present. Minor items observed: shrubbery is overgrown near foundation (could conceal moisture/entry points), porch posts/rail need painting/finish. No signs of foundation cracking, standing water, collapsed structures, or active pest infestation visible in photos. Overall low exterior risk with straightforward maintenance needed."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior photos are representative of the whole unit; bathrooms exist and are functional (not pictured).",
"Range is gas (based on visible burners); no direct image of gas meter or appliances' fuel source beyond the range.",
"Central HVAC is present and functional — inferred from ceiling vents/registers visible in multiple rooms; no furnace/AC unit was photographed.",
"Electrical panel, water heater, and CO alarm locations were not photographed; their presence/condition are unknown and should be verified on site.",
"Bedroom windows shown meet egress requirements based on visible size and double-hung style; final egress verification requires on-site measurement.",
"No rental history in last 5 years (per snapshot) — rental_history_activity excluded from scoring."
],
"overall_score": 75.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1441 Central St, Jackson, MS, 39203",
"aggregate": {
"summary": "Overall the property appears to be in good, largely move-in condition with only minor-to-moderate cosmetic repairs needed (carpet cleaning/replacement, paint/touch-ups, exterior trim/porch finishing). Key safety items (smoke detectors, deadbolt, bedroom egress) are visible. Major systems appear present (central HVAC, gas range, refrigerator) and the exterior envelope looks sound. Unknowns that should be verified on-site: GFCI protection at kitchen/baths, carbon monoxide alarm presence, hot water and water heater condition, electrical panel condition, and the condition of bathrooms (not shown). Likely to pass an initial HCV/NSPIRE inspection after addressing carpet replacement/cleaning and confirming GFCI/CO alarms if required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 76.0,
"rationale": "Interior is generally intact with functioning fixtures and appliances visible (refrigerator, gas range, dishwasher). Primary visible deferred items are stained/worn carpeting throughout living areas and bedrooms, minor cosmetic touch-ups (trim/paint), and light landscaping/porch skirt vegetation that should be removed. No collapsed surfaces or major finish failures seen. Missing information: bathrooms not shown; carpets may hide subfloor damage but no evidence of structural failure in photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 80.7,
"rationale": "Brick exterior and roof appear sound; driveway and yard are serviceable and free of standing water in photos. Front porch and guardrail are present and appear functional though railing and posts show minor cosmetic weathering and need paint/finish. Landscaping slightly overgrown at the porch base which could hide skirt damage; no visible foundation cracks, major erosion, or pest infestation evidence."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 74.0,
"rationale": "Smoke detectors are visible in multiple interior photos and a deadbolt is present on the entry door. Windows in bedrooms appear to be standard egress double-hung types. No exposed wiring, visible electrical hazards, loose guardrails, or collapsed ceilings observed. Unknowns: GFCI protection at kitchen sink and bathrooms not clearly visible, carbon monoxide alarm not observed (may be required depending on local code), bathrooms not imaged for ventilation/fixtures. No active leaks or mold-like staining visible."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 74.3,
"rationale": "Ceiling HVAC vents and a thermostat/return are visible indicating central HVAC (likely operational). Kitchen shows a gas range and appliances in place. Roof and exterior shingles look intact in exterior photos; no visible sagging or major water stains on ceilings. Electrical panel and water heater not shown. Given 2008 construction, systems likely modern but not confirmed; recommend verification of HVAC operation, water heater, electrical panel condition, and hot water availability."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Smoke detectors visible in photos are functional and installed per code (one shown near living area and one in hall).",
"Central HVAC is present and operational based on visible ceiling vents and thermostat; performance not directly tested in photos.",
"Appliances shown (refrigerator, gas stove, dishwasher) are included and operational unless the listing indicates otherwise.",
"No major roof leaks or hidden structural damage exist since ceilings show no staining or sagging in multiple interior photos.",
"Bathrooms exist and are functional (listing states 2 full baths) though not shown; their condition may affect final inspection.",
"Electrical panel and water heater are located elsewhere on site and are in serviceable condition unless inspection reveals otherwise.",
"GFCI outlets and carbon monoxide alarm status are unknown — assume may be missing until verified."
],
"score_method": "mean_of_criteria",
"overall_score": 75.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7785593557"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.