Property ID: 7797046796

6650 Abraham Lincoln Dr, Jackson, MS, 39213

Jackson, MS

For Sale Feb 16, 2026 11:25 PM UTC Realtor Zillow Street View
Money Down: $27,600 CoC Return: 0.66% Monthly Cash Flow: $15
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Primary property image

Investment Snapshot

Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
0.66%
Rent
$814
Monthly Cash Flow
$15
Annual Cash Flow
$182
Debt Service / Mo
$612
Property Tax / Mo
$65
Insurance / Mo
$41

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$814
Payment Standard
$1,190
Rent
$814
Insurance
$41
Property Tax
$65
Management
$81
Utilities Allowance
$376
NOI (Monthly)
$627
Debt Service
$612
Cash Flow After Debt
$15

Quality Score: 73.00%

Confidence: 95.00%

Overall this 3-bed, 2-bath single-family property appears cosmetically updated and likely able to pass a Section 8/HCV initial NSPIRE inspection with a short checklist of fixes. Primary actions before listing for voucher tenants: confirm and install required smoke and CO detectors, verify bedroom egress sizes (some windows may not meet egress), confirm GFCI protection in kitchen and bathrooms, and verify operation/inspection of HVAC, water heater and electrical panel. Most issues appear to be minor or compliance items rather than major structural defects.

Section 8 Payment Standard
$1,190
Utility Allowance Total
$376
Guaranteed Section 8 Rent (PS - Utilities)
$814
Property Management
$81

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$115,000
Beds
3
Baths
2
Living Area
1,421 sqft
Lot Size
8,712 sqft
Year Built
1969
Days on Market
77
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$65
Insurance / Mo
$41

Property Description

Opportunity awaits! This 3-bed, 2-bath home is ideal for first-time homeowners or savvy investors. Add your finishing touches and Bring your vision to life. Close to schools, shopping, and major routes for effortless Jackson living.

Utility Allowances

Air Conditioning
$12
Selected the fixed allowance for a 3-bedroom unit from the schedule. Property data confirms 'Central Air' cooling.
Cooking
$8
Selected 'Natural Gas' as property data specifies 'Built-In Gas Range' and 'Natural Gas in Kitchen'.
Heating
$50
Selected 'Electric' as the heating fuel type was not specified. 'Electric' is a common source and the more expensive option compared to 'Natural Gas', following the rule for ambiguity.
Other Electric
$69
Selected the fixed allowance for a 3-bedroom unit, covering general electric use not included in other categories.
Range/Microwave
$3
The 'Range/Microwave' allowance is included as the property data does not explicitly state a microwave is provided, thus it is assumed to be tenant-owned.
Refrigerator
$4
The 'Refrigerator' allowance is included as the property data does not explicitly state a refrigerator is provided, thus it is assumed to be tenant-owned.
Sewer
$60
Selected the fixed allowance for a 3-bedroom unit. Property data confirms 'Public Sewer' is available.
Trash Collection
$37
Selected the fixed allowance, as trash collection is a standard tenant-paid utility for single-family homes.
Water
$104
Selected the fixed allowance for a 3-bedroom unit. Property data confirms a 'Public' water source.
Water Heating
$29
Selected 'Electric' as the water heater fuel type was not specified. 'Electric' is a common source and the more expensive option, following the rule for ambiguity.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$476
DP3 Annual Estimate$498
DP1 Monthly Equivalent$40
DP3 Monthly Equivalent$42
Replacement Value$34,640
Basis1,421 sqft / 1969

Nearby Houses

Nearby house 1
Photo unavailable

3704 John F Kennedy Blvd Lot J

for_sale · 0.08 mi
Price: $69,900
3 bd / 2 ba · 1,817 sqft
Latest sale: —
Latest rent: —
Nearby house 2
Photo unavailable

3725 Thomas Jefferson Rd

for_sale · 0.14 mi
Price: $109,000
3 bd / 1 ba · 1,296 sqft
Latest sale: —
Latest rent: —
Nearby house 3
Photo unavailable

6735 Harry S Truman Dr

sold · 0.15 mi
Price: $85,000
3 bd / 2 ba · 1,106 sqft
Latest sale: — on Mar 04, 2024
Latest rent: $1,200 on Jul 25, 2024
Nearby house 4
Photo unavailable

3731 John F Kennedy Blvd

for_sale · 0.17 mi
Price: $137,500
4 bd / 2 ba · 1,913 sqft
Latest sale: — on Nov 02, 1998
Latest rent: —
Nearby house 5
Photo unavailable

112 Truman Cir

sold · 0.18 mi
Price: $102,000
4 bd / 2 ba · 1,301 sqft
Latest sale: — on May 22, 2024
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success
  • No visible smoke detectors or carbon monoxide alarms in photos (required and common NSPIRE cause for failure).
  • Possible inadequate bedroom egress - some windows appear small/jalousie-style and may not meet NSPIRE egress size requirements.
  • GFCI protection in kitchen and bathroom outlets not visible and should be verified/installed.
  • Electrical panel and water heater not shown — required to verify safe operational condition before inspection.

Assumptions

  • Photos represent the full interior and exterior condition (no additional unseen severe damage).
  • Central HVAC is present and operational based on visible ceiling vents and thermostat but no service records were provided.
  • Water heater and electrical panel exist but were not shown in photos; their condition is unknown.
  • Smoke detectors and CO alarms are not visible in photos and likely need verification or installation prior to inspection.
  • Kitchen shows a gas range; gas connection and venting are assumed to be present but should be inspected for safety.
  • Some windows (jalousie / narrow horizontal) may be in secondary bedrooms; their egress compliance is uncertain from photos and assumed potentially problematic.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $755 $49,640 $4,964
2023 $750 $49,640 $4,964
2021 $751 $49,640 $4,964
2020 $744 $49,260 $4,926
2019 $745 $49,260 $4,926
2018 $734 $49,260 $4,926
2017 $735 $49,260 $4,926
2016 $710 $49,260 $4,926
2015 $669 $48,470 $4,847
2014 $668 $48,470 $4,847
2013 $644 $48,470 $4,847
2012 $644 $48,470 $4,847
2011 $669 $50,960 $5,096
2010 $664 $50,960 $5,096
2009 $664 $50,960 $5,096
2008 $1,302 $38,310 $5,747
2007 $989 $38,310 $5,747

Sale History

DateEventPrice
2026-01-06 Price Changed $115,000
2025-12-02 Listed $135,000

Photo Gallery

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            "year": 2012,
            "market": {
              "land": 15000,
              "total": 48470,
              "building": 33470
            },
            "assessment": {
              "land": 1500,
              "total": 4847,
              "building": 3347
            }
          },
          {
            "tax": 669,
            "year": 2011,
            "market": {
              "land": 15000,
              "total": 50960,
              "building": 35960
            },
            "assessment": {
              "land": 1500,
              "total": 5096,
              "building": 3596
            }
          },
          {
            "tax": 664,
            "year": 2010,
            "market": {
              "land": 15000,
              "total": 50960,
              "building": 35960
            },
            "assessment": {
              "land": 1500,
              "total": 5096,
              "building": 3596
            }
          },
          {
            "tax": 664,
            "year": 2009,
            "market": {
              "land": 15000,
              "total": 50960,
              "building": 35960
            },
            "assessment": {
              "land": 1500,
              "total": 5096,
              "building": 3596
            }
          },
          {
            "tax": 1302,
            "year": 2008,
            "market": {
              "land": 6500,
              "total": 38310,
              "building": 31810
            },
            "assessment": {
              "land": 975,
              "total": 5747,
              "building": 4772
            }
          },
          {
            "tax": 989,
            "year": 2007,
            "market": {
              "land": 6500,
              "total": 38310,
              "building": 31810
            },
            "assessment": {
              "land": 975,
              "total": 5747,
              "building": 4772
            }
          }
        ],
        "property_history": [
          {
            "date": "2026-01-06",
            "price": 115000,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-12-02T00:05:31Z",
              "list_price": 115000,
              "listing_id": "2989110547",
              "last_update_date": "2026-01-31T21:27:15Z",
              "last_status_change_date": "2025-12-02T00:05:31Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 80.92892329345531,
            "source_name": "MLSUnited",
            "price_change": -20000,
            "days_after_listed": null,
            "source_listing_id": "4132913",
            "price_change_percentage": null
          },
          {
            "date": "2025-12-02",
            "price": 135000,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-12-02T00:05:31Z",
              "list_price": 115000,
              "listing_id": "2989110547",
              "last_update_date": "2026-01-31T21:27:15Z",
              "last_status_change_date": "2025-12-02T00:05:31Z"
            },
            "event_name": "Listed",
            "price_sqft": 109.22330097087378,
            "source_name": "MLSUnited",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "4132913",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": true
  },
  "property_id": "7797046796",
  "generated_at": "2026-02-16T23:25:04.257009Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 73.0
  },
  "utility_allowance": {
    "zip_code": "39213",
    "home_photo": "https://ap.rdcpix.com/5fdf5e4b7a79977d10ebc71bec13b708l-m1963567782s-w1280.jpg",
    "rent_price": 814.0,
    "loan_amount": 92000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/6650-Abraham-Lincoln-Dr_Jackson_MS_39213_M77970-46796",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 115000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 7526.55,
    "mortgage_monthly": 612.08,
    "payment_standard": 1190.0,
    "total_amount_out": 23000.0,
    "additional_photos": [
      "https://ap.rdcpix.com/5fdf5e4b7a79977d10ebc71bec13b708l-m4249839834s-w1280.jpg",
      "https://ap.rdcpix.com/5fdf5e4b7a79977d10ebc71bec13b708l-m912905966s-w1280.jpg",
      "https://ap.rdcpix.com/5fdf5e4b7a79977d10ebc71bec13b708l-m1753034858s-w1280.jpg",
      "https://ap.rdcpix.com/5fdf5e4b7a79977d10ebc71bec13b708l-m4095526979s-w1280.jpg",
      "https://ap.rdcpix.com/5fdf5e4b7a79977d10ebc71bec13b708l-m2247770441s-w1280.jpg",
      "https://ap.rdcpix.com/5fdf5e4b7a79977d10ebc71bec13b708l-m3602290043s-w1280.jpg",
      "https://ap.rdcpix.com/5fdf5e4b7a79977d10ebc71bec13b708l-m3296618241s-w1280.jpg",
      "https://ap.rdcpix.com/5fdf5e4b7a79977d10ebc71bec13b708l-m4169623601s-w1280.jpg",
      "https://ap.rdcpix.com/5fdf5e4b7a79977d10ebc71bec13b708l-m3126865525s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 40.58,
    "monthly_cash_flow": 627.21,
    "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": "Selected the fixed allowance for a 3-bedroom unit from the schedule. Property data confirms 'Central Air' cooling.",
        "utility": "Air Conditioning",
        "allowance": 12
      },
      {
        "note": "Selected 'Natural Gas' as property data specifies 'Built-In Gas Range' and 'Natural Gas in Kitchen'.",
        "utility": "Cooking",
        "allowance": 8
      },
      {
        "note": "Selected 'Electric' as the heating fuel type was not specified. 'Electric' is a common source and the more expensive option compared to 'Natural Gas', following the rule for ambiguity.",
        "utility": "Heating",
        "allowance": 50
      },
      {
        "note": "Selected the fixed allowance for a 3-bedroom unit, covering general electric use not included in other categories.",
        "utility": "Other Electric",
        "allowance": 69
      },
      {
        "note": "The 'Range/Microwave' allowance is included as the property data does not explicitly state a microwave is provided, thus it is assumed to be tenant-owned.",
        "utility": "Range/Microwave",
        "allowance": 3
      },
      {
        "note": "The 'Refrigerator' allowance is included as the property data does not explicitly state a refrigerator is provided, thus it is assumed to be tenant-owned.",
        "utility": "Refrigerator",
        "allowance": 4
      },
      {
        "note": "Selected the fixed allowance for a 3-bedroom unit. Property data confirms 'Public Sewer' is available.",
        "utility": "Sewer",
        "allowance": 60
      },
      {
        "note": "Selected the fixed allowance, as trash collection is a standard tenant-paid utility for single-family homes.",
        "utility": "Trash Collection",
        "allowance": 37
      },
      {
        "note": "Selected the fixed allowance for a 3-bedroom unit. Property data confirms a 'Public' water source.",
        "utility": "Water",
        "allowance": 104
      },
      {
        "note": "Selected 'Electric' as the water heater fuel type was not specified. 'Electric' is a common source and the more expensive option, following the rule for ambiguity.",
        "utility": "Water Heating",
        "allowance": 29
      }
    ],
    "cash_on_cash_return": 0.33,
    "down_payment_amount": 23000.0,
    "property_tax_annual": 777.65,
    "property_tax_monthly": 64.8,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 376.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
      ],
      "effective_date": "2025-10-01"
    },
    "property_tax_history_year": 2024,
    "annual_cash_flow_after_debt": 181.61,
    "property_management_monthly": 81.4,
    "monthly_cash_flow_after_debt": 15.13,
    "cash_on_cash_return_after_debt": 0.01
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall this 3-bed, 2-bath single-family property appears cosmetically updated and likely able to pass a Section 8/HCV initial NSPIRE inspection with a short checklist of fixes. Primary actions before listing for voucher tenants: confirm and install required smoke and CO detectors, verify bedroom egress sizes (some windows may not meet egress), confirm GFCI protection in kitchen and bathrooms, and verify operation/inspection of HVAC, water heater and electrical panel. Most issues appear to be minor or compliance items rather than major structural defects.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 78.0,
            "rationale": "Interior appears recently updated with new LVP flooring, fresh paint and functional fixtures. Kitchen has range, microwave and refrigerator present; some cosmetic damage visible (scuffed countertops/vanity finishes, one missing lower cabinet/door under counter). Bathrooms and living spaces look clean and intact. Overall mostly cosmetic and easy-to-fix items; no large visible deferred maintenance."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risks (NSPIRE)",
            "score": 65.0,
            "rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, active leaks, or exposed wiring). However, smoke detectors and carbon monoxide alarms are not visible in photos (required, especially with a gas range), and GFCI outlets in kitchen/bath are not clearly shown. Some bedrooms show small/jalousie or narrow windows that may not meet egress sizing — potential failure point on inspection. Entry door deadbolt presence not confirmed. These are moderate NSPIRE risks that are typically quick fixes but must be verified/installed prior to inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 70.0,
            "rationale": "Ceiling supply vents and a wall thermostat are visible indicating central HVAC likely present. Kitchen appliances (gas range) and plumbing fixtures are installed and appear functional with no visible leaks. Roof appears intact from exterior photos (no sagging or obvious damage). Electrical panel and water heater are not shown so condition is unverified; no exposed wiring or clear electrical hazards seen. Recommend verifying operation of HVAC, water heater, and inspecting the electrical panel and gas connections prior to lease."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 80.0,
            "rationale": "Brick envelope and carport appear sound. Yard, driveway and walkways look serviceable with no standing water or obvious trip hazards. Minor landscape clean‑up present (pine needles). No visible foundation cracks, major siding damage or signs of infestation in provided photos."
          }
        ],
        "red_flags": [
          "No visible smoke detectors or carbon monoxide alarms in photos (required and common NSPIRE cause for failure).",
          "Possible inadequate bedroom egress - some windows appear small/jalousie-style and may not meet NSPIRE egress size requirements.",
          "GFCI protection in kitchen and bathroom outlets not visible and should be verified/installed.",
          "Electrical panel and water heater not shown — required to verify safe operational condition before inspection."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Photos represent the full interior and exterior condition (no additional unseen severe damage).",
          "Central HVAC is present and operational based on visible ceiling vents and thermostat but no service records were provided.",
          "Water heater and electrical panel exist but were not shown in photos; their condition is unknown.",
          "Smoke detectors and CO alarms are not visible in photos and likely need verification or installation prior to inspection.",
          "Kitchen shows a gas range; gas connection and venting are assumed to be present but should be inspected for safety.",
          "Some windows (jalousie / narrow horizontal) may be in secondary bedrooms; their egress compliance is uncertain from photos and assumed potentially problematic."
        ],
        "overall_score": 73.0,
        "rubric_version": "ns_pire_v1.0"
      },
      {
        "summary": "This 3-bed/2-bath brick ranch appears mostly renovated cosmetically and is close to rent-ready. Interiors show new flooring, painted walls, appliances and functional fixtures. Primary inspection risks are missing/ not-visible safety devices (smoke/CO detectors, GFCI outlets) and a potential bedroom egress concern (a narrow/high horizontal window in at least one bedroom). Major systems (HVAC, plumbing, roof) appear present but are not fully documented in photos. With installation/verification of detectors, quick egress confirmation or window remediation if required, and minor finish/GFCI checks, the property would likely pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 80.0,
            "rationale": "Visible interior condition is largely cosmetic and recently updated: new-looking LVP floors, fresh paint, cabinets and countertops in place, functioning-looking appliances (range, microwave, refrigerator) in photos. Minor finish issues visible (painted counters/sinks showing heavy finish, one cabinet area under sink appears unfinished). No collapsed ceilings, major drywall damage, or exposed subfloor visible. Missing or worn window coverings and some cosmetic trim touch-ups likely. Overall turnkey with mostly cosmetic/finish work required."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 65.0,
            "rationale": "No immediate life-threatening hazards visible (no sagging ceilings, no standing water, no obvious exposed wiring). Central HVAC vents are visible. However several code risks are uncertain or not documented in photos: no smoke detectors or CO alarms visible in living areas or bedrooms (HUD requires operable smoke detectors and CO alarms where fuel-burning appliances present), GFCI protection in kitchen/bath not visible, and at least one bedroom shows a small horizontal-high window that may not meet egress size/operability requirements. Entry door hardware and deadbolt presence are not shown. Because some required safety devices/utilities are not visible, risk of initial inspection failure is moderate unless those are confirmed present."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems / Mechanical",
            "score": 70.0,
            "rationale": "Central HVAC registers are visible in multiple rooms indicating presence of a forced-air system. Kitchen shows a gas range (or at least a range that appears gas), and microwave—suggesting operating utility hookups. Water heater, main electrical panel, and furnace/air handler are not shown. Roof appears intact with shingles in place and no visible active leaks, but age is unknown. Plumbing fixtures appear functional in photos (toilet, sink, tub/shower). Overall systems likely operational but unverified (moderate score)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior / Site Condition",
            "score": 80.0,
            "rationale": "Single-story brick exterior appears sound with no visible foundation cracking or major masonry damage. Carport and driveway are serviceable. Yard is maintained; minor shrubbery close to foundation could be trimmed. Gutters/downspouts are not visible in photos (drainage assessment limited). Roof shows some debris but no visible structural failure. No obvious infestation signs or exterior collapse."
          }
        ],
        "red_flags": [
          "No smoke detectors visible in photos (required for NSPIRE / Section 8) — potential inspection fail if not installed or not in correct locations.",
          "No carbon monoxide detector visible while a gas range is present — CO alarm required where fuel-burning appliances exist.",
          "Possible inadequate bedroom egress: at least one bedroom shows a narrow horizontal/high window that may not meet emergency egress size/operability.",
          "GFCI protection not evident in kitchen/bathrooms from photos — may require installation to meet code/NSPIRE."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Central HVAC is present and operational (ceiling registers visible).",
          "Water heater and main utilities (electric, gas, water) are present and connected though not shown in photos.",
          "Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or not placed in HUD-required locations unless confirmed.",
          "GFCI protection in kitchen and bathrooms is not visible and may be absent.",
          "Electrical panel is intact and accessible though not shown; no visible exposed wiring inside living spaces.",
          "No active roof leaks or hidden structural damage beyond what visible exterior and interior photos show.",
          "Bedrooms other than the one with a narrow high window likely have compliant egress; at least one bedroom's egress is uncertain based on photos.",
          "No rental history in last 5 years (rental_history_last_5y flagged as missing)."
        ],
        "overall_score": 74.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall this single-story brick ranch presents as a largely cosmetically-updated, rentable property with central HVAC, functioning kitchen appliances, new-looking flooring and intact exterior. Primary Section 8 / NSPIRE risks visible in photos are missing/undetected smoke and CO alarms, potential bedroom egress non-compliance for at least one bedroom window, and unknown GFCI protection in kitchen/bath. Major systems (HVAC, roof, electrical panel, water heater) are not fully verifiable from photos but show no obvious failure signs. With targeted safety fixes (install/verify detectors, confirm egress compliance or remediate window, add/verify GFCI protection) and a few finish carpentry tasks this should be rent-ready within ~30 days.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior appears recently updated cosmetically: new-looking LVP flooring, fresh paint, renovated kitchen and baths. Cabinets and counters are painted but show minor wear and at least one lower cabinet/under-sink area appears unfinished or missing a door/drawer. Vertical blinds are damaged and need replacement. No visible major cosmetic deferred maintenance or collapsed finishes. Missing washer/dryer appliances (only hookups and a loose dryer vent hose visible) and some small finish carpentry tasks will be needed prior to tenancy."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance",
            "score": 65.0,
            "rationale": "No visible smoke or CO alarms in photos (none observed on ceilings or high on walls) which is an NSPIRE/Section 8 inspection risk. At least one bedroom shows a long, narrow, high horizontal window that may not meet bedroom egress opening requirements; other bedrooms appear to have standard windows but egress compliance cannot be fully verified from photos. No exposed wiring seen; outlets and switches have covers. GFCI protection for kitchen/bath outlets is not visible in photos (risk). Entry door hardware not shown; assume standard lock but deadbolt not verified. No visible active water stains, sagging ceilings, or obvious trip hazards. Overall a moderate safety/code risk primarily for detectors and possible egress and GFCI locations."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 70.0,
            "rationale": "Central HVAC supply/return vents and a thermostat are visible in multiple photos indicating a forced-air system is present; operation not verified. Roof appears intact with no visible sagging or active leaks from exterior photos. Water heater and electrical panel not shown — condition assumed serviceable but not confirmed. Kitchen shows a gas range and over-the-range microwave; visible gas connection appears standard. Plumbing fixtures in bathrooms and kitchen appear intact with no visible leaks or major staining. Moderate confidence systems are functional but full verification (panel, water heater, HVAC operation) required."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 80.0,
            "rationale": "Solid brick exterior in good visible condition, carport and driveway appear sound, yard is maintained and free of standing water or heavy debris. Shrubbery is close to the foundation (recommend trimming) but no visible foundation cracks or major grading issues in photos. Roof shingles show normal wear and pine debris; gutters not clearly visible. Overall low exterior risk from photos."
          }
        ],
        "red_flags": [
          "Potential non-compliant bedroom egress (narrow/high horizontal window visible) — requires measurement/repair to meet egress code.",
          "No visible smoke detectors or carbon monoxide alarms in interior photos — NSPIRE/Section 8 failure unless installed and functional.",
          "GFCI protection for kitchen/bath outlets not evident from photos — possible electrical code/NSPIRE issue."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Central HVAC is present and functional based on visible supply/return vents and thermostat; performance not tested.",
          "Water heater and electrical service/panel exist onsite but are not shown; assumed operable unless inspector finds otherwise.",
          "Kitchen range and microwave shown are present for tenant use; washer/dryer are not present but hookups (and a dryer vent hose) are visible.",
          "Smoke and carbon monoxide alarms are not visible in photos; assume none are installed or not positioned correctly and will need verification.",
          "Window sizes and openings cannot be measured from photos; assumption is at least one bedroom window (long narrow high) may not meet egress opening size requirements and should be measured.",
          "No active roof leaks, major foundation movement, or structural sagging are present based on photos; hidden issues could exist but no surface evidence was observed."
        ],
        "overall_score": 72.0,
        "rubric_version": "2026-02-hud-nspire-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "6650 Abraham Lincoln Dr, Jackson, MS, 39213",
    "aggregate": {
      "summary": "Overall this 3-bed, 2-bath single-family property appears cosmetically updated and likely able to pass a Section 8/HCV initial NSPIRE inspection with a short checklist of fixes. Primary actions before listing for voucher tenants: confirm and install required smoke and CO detectors, verify bedroom egress sizes (some windows may not meet egress), confirm GFCI protection in kitchen and bathrooms, and verify operation/inspection of HVAC, water heater and electrical panel. Most issues appear to be minor or compliance items rather than major structural defects.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 77.7,
          "rationale": "Interior appears recently updated with new LVP flooring, fresh paint and functional fixtures. Kitchen has range, microwave and refrigerator present; some cosmetic damage visible (scuffed countertops/vanity finishes, one missing lower cabinet/door under counter). Bathrooms and living spaces look clean and intact. Overall mostly cosmetic and easy-to-fix items; no large visible deferred maintenance."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 80.0,
          "rationale": "Brick envelope and carport appear sound. Yard, driveway and walkways look serviceable with no standing water or obvious trip hazards. Minor landscape clean‑up present (pine needles). No visible foundation cracks, major siding damage or signs of infestation in provided photos."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Risks (NSPIRE)",
          "score": 65.0,
          "rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, active leaks, or exposed wiring). However, smoke detectors and carbon monoxide alarms are not visible in photos (required, especially with a gas range), and GFCI outlets in kitchen/bath are not clearly shown. Some bedrooms show small/jalousie or narrow windows that may not meet egress sizing — potential failure point on inspection. Entry door deadbolt presence not confirmed. These are moderate NSPIRE risks that are typically quick fixes but must be verified/installed prior to inspection."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
          "score": 70.0,
          "rationale": "Ceiling supply vents and a wall thermostat are visible indicating central HVAC likely present. Kitchen appliances (gas range) and plumbing fixtures are installed and appear functional with no visible leaks. Roof appears intact from exterior photos (no sagging or obvious damage). Electrical panel and water heater are not shown so condition is unverified; no exposed wiring or clear electrical hazards seen. Recommend verifying operation of HVAC, water heater, and inspecting the electrical panel and gas connections prior to lease."
        }
      ],
      "red_flags": [
        "No visible smoke detectors or carbon monoxide alarms in photos (required and common NSPIRE cause for failure).",
        "Possible inadequate bedroom egress - some windows appear small/jalousie-style and may not meet NSPIRE egress size requirements.",
        "GFCI protection in kitchen and bathroom outlets not visible and should be verified/installed.",
        "Electrical panel and water heater not shown — required to verify safe operational condition before inspection."
      ],
      "confidence": 0.95,
      "assumptions": [
        "Photos represent the full interior and exterior condition (no additional unseen severe damage).",
        "Central HVAC is present and operational based on visible ceiling vents and thermostat but no service records were provided.",
        "Water heater and electrical panel exist but were not shown in photos; their condition is unknown.",
        "Smoke detectors and CO alarms are not visible in photos and likely need verification or installation prior to inspection.",
        "Kitchen shows a gas range; gas connection and venting are assumed to be present but should be inspected for safety.",
        "Some windows (jalousie / narrow horizontal) may be in secondary bedrooms; their egress compliance is uncertain from photos and assumed potentially problematic."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 73.0,
      "rubric_version": "ns_pire_v1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7797046796"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.