Property ID: 7797879242
460 W Northside Dr, Jackson, MS, 39206
Jackson, MS
Money Down: $26,640
CoC Return: 17.98%
Monthly Cash Flow: $399
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,200
Closing Costs
$4,440
Total Down
$26,640
Investment Snapshot
Purchase Price
$111,000
Money Down
$26,640
Cash-on-Cash Return
17.98%
Rent
$1,300
Monthly Cash Flow
$399
Annual Cash Flow
$4,790
Debt Service / Mo
$591
Property Tax / Mo
$132
Insurance / Mo
$48
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,300
Payment Standard
$1,690
Rent
$1,300
Insurance
$48
Property Tax
$132
Management
$130
Utilities Allowance
$390
NOI (Monthly)
$990
Debt Service
$591
Cash Flow After Debt
$399
Quality Score: 60.50%
Confidence: 86.00%
This 4-bed, 2-bath single-family house presents as generally move-in ready with cosmetic wear and several moderate fixes needed for a successful initial HCV/NSPIRE inspection. Primary items to address before listing for a voucher tenant: repair/replace boarded windows, patch/repair kitchen ceiling hole and any related water damage, ensure all smoke and CO detectors are installed and functioning, correct exposed wiring if present, install/confirm GFCI protection in kitchen/bath areas, and mitigate trip hazards on the front walk and driveway. Verify HVAC, hot water, and electrical panel function. With those repairs (mostly moderate, not structural), the property should be likely to pass an initial inspection within 30 days.
Section 8 Payment Standard
$1,690
Utility Allowance Total
$390
Guaranteed Section 8 Rent (PS - Utilities)
$1,300
Property Management
$130
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$111,000
Beds
4
Baths
2
Living Area
1,989 sqft
Lot Size
17,860 sqft
Year Built
1950
Days on Market
7
Capital Outlay
$26,640
Debt Service
$591
Property Tax / Mo
$132
Insurance / Mo
$48
Property Description
This well-maintained, move-in-ready 4-bedroom, 2-bath home offers a comfortable and inviting layout. Enjoy a spacious dining area, an eat-in kitchen, and a bright living space with large windows that fill the home with natural light. Outside, you'll find a generous yard and a detached two-car carport, perfect for everyday living and entertaining.
Utility Allowances
Air Conditioning
$16
Property has 'Central Air' cooling. The allowance is the fixed value for a 4-bedroom unit on the schedule.
Cooking
$10
Property listing states 'Natural Gas Connected'. Selected 'natural_gas' as the fuel source for cooking. Allowance is based on the 4-bedroom rate.
Heating
$26
Property listing states 'Central' heating and 'Natural Gas Connected'. Selected 'natural_gas' as the fuel source. Allowance is based on the 4-bedroom rate.
Other Electric
$88
This is a fixed allowance for general electricity usage in a 4-bedroom single-family home.
Range/Microwave
$0
Property photos show a landlord-provided stove and attached microwave. This allowance typically covers tenant-owned appliances and is therefore set to $0.
Refrigerator
$4
A refrigerator is not explicitly mentioned or shown in the property information. Per instructions, it is assumed to be tenant-provided and the corresponding electricity allowance is included.
Sewer
$70
Property listing specifies 'Public Sewer'. This is the fixed allowance for a 4-bedroom unit from the schedule.
Trash Collection
$37
Standard fixed allowance for trash collection services for a single-family home.
Water
$116
Property listing specifies 'Public' water source. This is the fixed allowance for a 4-bedroom unit from the schedule.
Water Heating
$23
Property has 'Natural Gas Connected,' making it the most likely fuel for water heating. Allowance is based on the 4-bedroom rate for natural gas.
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$478
DP3 Annual Estimate$676
DP1 Monthly Equivalent$40
DP3 Monthly Equivalent$56
Replacement Value$33,070
Basis1,989 sqft / 1950
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3916 Oakhill Dr
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353 Northside Cir
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390 Northside Cir
sold · 0.21 mi
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504 Stillwood Dr
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— bd / — ba
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571 Hickory Ridge Dr
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449 Stillwood Dr
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3938 Oakhill Dr
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408 Northside Cir
sold · 0.23 mi
Price: $149,900
4 bd / 2 ba · 1,873 sqft
Latest sale: — on Aug 31, 2023
Latest rent: $1,395 on Sep 26, 2023
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324 Stillwood Dr
sold · 0.24 mi
Price: $109,900
3 bd / 2 ba · 2,082 sqft
Latest sale: — on Sep 30, 2024
Latest rent: —
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4113 Oakhill Dr
sold · 0.30 mi
Price: $44,900
3 bd / 2 ba · 1,386 sqft
Latest sale: — on Nov 06, 2023
Latest rent: $1,588 on Aug 18, 2025
Risk and Criteria Detail
Red Flags
- success
- Ceiling hole/damage in kitchen area with possible exposed wiring
- Boarded/covered kitchen windows (potential broken glass/egress obstruction)
- No visible smoke detectors or CO alarms in photos
- Cracked and uneven driveway/walkway creating trip hazards
- Detached garage open/gaps may allow pests/unauthorized access
- Property built 1950 — potential lead-based paint risk (requires evaluation)
Assumptions
- Bedrooms have standard-sized windows and at least one egress window each (not pictured but inferred from exterior/description).
- Central HVAC is present and vents visible indicate forced air; however system operation was not verified in photos.
- Hot water heater is present in the house but not shown in photos; operational status unknown.
- Smoke and carbon monoxide detectors are not visible in photos and should be assumed absent until confirmed.
- Stove and microwave are present (visible in kitchen); refrigerator and dishwasher are not visible and may be absent.
- No major foundation settlement or structural sagging is visible in exterior photos; foundation vents are present and look intact.
- Boarded/covered windows indicate either broken glass or owner security measures; they will need replacement or proper repair prior to inspection.
- No active standing water or visible severe mold was observed in photos; ceiling stains likely indicate past leak that has not been fully documented.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,537 | $53,020 | $7,954 |
| 2023 | $1,529 | $53,020 | $7,954 |
| 2021 | $1,530 | $53,020 | $7,954 |
| 2020 | $1,833 | $63,890 | $9,584 |
| 2019 | $1,835 | $63,890 | $9,584 |
| 2018 | $1,814 | $63,890 | $9,584 |
| 2017 | $1,815 | $63,890 | $9,584 |
| 2016 | $1,767 | $63,890 | $9,584 |
| 2015 | $1,742 | $64,870 | $9,731 |
| 2014 | $1,739 | $64,870 | $9,731 |
| 2013 | $1,691 | $64,870 | $9,731 |
| 2012 | $1,691 | $64,870 | $9,731 |
| 2011 | $1,562 | $60,780 | $9,118 |
| 2010 | $789 | $60,780 | $6,078 |
| 2009 | $789 | $60,780 | $6,078 |
| 2008 | $789 | $43,620 | $4,362 |
| 2007 | $570 | $43,620 | $4,362 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-04-26 | Sold | — |
| 2013-06-11 | Sold | — |
Photo Gallery
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{
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{
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{
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{
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{
"date": "2024-01-25",
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{
"date": "2024-01-15",
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{
"date": "2024-01-03",
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{
"date": "2023-12-11",
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{
"date": "2023-11-28",
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{
"date": "2016-04-23",
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{
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{
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{
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{
"date": "2010-07-13",
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{
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{
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},
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}
],
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}
},
"rmn_listing_attribution": true
},
"property_id": "7797879242",
"generated_at": "2026-02-16T22:56:28.230565Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 60.5
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/2c54be5e0a2ec54bf28930e76f0c1dbal-m4276066181s-w1280.jpg",
"rent_price": 1300.0,
"loan_amount": 88800.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/460-W-Northside-Dr_Jackson_MS_39206_M77978-79242",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 111000.0,
"loan_term_years": 30,
"annual_cash_flow": 11879.89,
"mortgage_monthly": 590.79,
"payment_standard": 1690.0,
"total_amount_out": 22200.0,
"additional_photos": [
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"https://ap.rdcpix.com/2c54be5e0a2ec54bf28930e76f0c1dbal-m1457710882s-w1280.jpg",
"https://ap.rdcpix.com/2c54be5e0a2ec54bf28930e76f0c1dbal-m3133325897s-w1280.jpg",
"https://ap.rdcpix.com/2c54be5e0a2ec54bf28930e76f0c1dbal-m3554870259s-w1280.jpg",
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"https://ap.rdcpix.com/2c54be5e0a2ec54bf28930e76f0c1dbal-m2019732728s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 48.08,
"monthly_cash_flow": 989.99,
"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": "Property has 'Central Air' cooling. The allowance is the fixed value for a 4-bedroom unit on the schedule.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Property listing states 'Natural Gas Connected'. Selected 'natural_gas' as the fuel source for cooking. Allowance is based on the 4-bedroom rate.",
"utility": "Cooking",
"allowance": 10
},
{
"note": "Property listing states 'Central' heating and 'Natural Gas Connected'. Selected 'natural_gas' as the fuel source. Allowance is based on the 4-bedroom rate.",
"utility": "Heating",
"allowance": 26
},
{
"note": "This is a fixed allowance for general electricity usage in a 4-bedroom single-family home.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Property photos show a landlord-provided stove and attached microwave. This allowance typically covers tenant-owned appliances and is therefore set to $0.",
"utility": "Range/Microwave",
"allowance": 0
},
{
"note": "A refrigerator is not explicitly mentioned or shown in the property information. Per instructions, it is assumed to be tenant-provided and the corresponding electricity allowance is included.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Property listing specifies 'Public Sewer'. This is the fixed allowance for a 4-bedroom unit from the schedule.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Standard fixed allowance for trash collection services for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property listing specifies 'Public' water source. This is the fixed allowance for a 4-bedroom unit from the schedule.",
"utility": "Water",
"allowance": 116
},
{
"note": "Property has 'Natural Gas Connected,' making it the most likely fuel for water heating. Allowance is based on the 4-bedroom rate for natural gas.",
"utility": "Water Heating",
"allowance": 23
}
],
"cash_on_cash_return": 0.54,
"down_payment_amount": 22200.0,
"property_tax_annual": 1583.11,
"property_tax_monthly": 131.93,
"property_tax_increase": 0.03,
"utility_allowance_total": 390.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/pdr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 4790.43,
"property_management_monthly": 130.0,
"monthly_cash_flow_after_debt": 399.2,
"cash_on_cash_return_after_debt": 0.22
},
"section8_assessment": {
"runs": [
{
"summary": "This 4-bed, 2-bath single-family house presents as generally move-in ready with cosmetic wear and several moderate fixes needed for a successful initial HCV/NSPIRE inspection. Primary items to address before listing for a voucher tenant: repair/replace boarded windows, patch/repair kitchen ceiling hole and any related water damage, ensure all smoke and CO detectors are installed and functioning, correct exposed wiring if present, install/confirm GFCI protection in kitchen/bath areas, and mitigate trip hazards on the front walk and driveway. Verify HVAC, hot water, and electrical panel function. With those repairs (mostly moderate, not structural), the property should be likely to pass an initial inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Overall interior and exterior appear maintained with fresh paint and intact hardwood floors. Visible issues: worn/spotty hardwood finish, cracked concrete driveway/walkway, boarded/covered kitchen windows, small ceiling damage/holes in kitchen area, and a detached garage with missing door/finishes. Electric stove and microwave present; missing or non-visible items (dishwasher, refrigerator) are repair/capital items only. These are mostly cosmetic/medium-repair items that can be corrected within a few weeks."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 55.0,
"rationale": "Positive: secure front entry with metal security door, large windows that likely provide bedroom egress, no visible collapsed ceilings or standing water. Concerns: no smoke/CO detectors visible in photos, ceiling hole in kitchen with exposed opening (possible wiring), windows boarded (possible broken glass/egress obstruction), cracked walk and driveway trip hazards, and unknown GFCI presence in kitchen/baths. Year-built 1950 raises potential lead-paint risk (no peeling shown). These items present inspection risks that must be cleared pre-inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Ceiling HVAC return/grille visible indicating central HVAC likely installed but operation not verified. Roof appears intact from photos but shows age; gutters present. Water heater, electrical panel and plumbing equipment not shown. Ceiling staining/holes suggest past water intrusion that should be investigated. Systems likely functional but require verification/possible servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding and foundation appear intact with typical age-related weathering. Yard is clear and usable; detached two-car garage/carport present but interior of garage shows gaps and no door. Driveway and garage apron have significant cracking (trip/vehicle access concern). Some overgrowth near fence/garage edges. No visible major foundation movement or roof collapse."
}
],
"red_flags": [
"Ceiling hole/damage in kitchen area with possible exposed wiring",
"Boarded/covered kitchen windows (potential broken glass/egress obstruction)",
"No visible smoke detectors or CO alarms in photos",
"Cracked and uneven driveway/walkway creating trip hazards",
"Detached garage open/gaps may allow pests/unauthorized access",
"Property built 1950 — potential lead-based paint risk (requires evaluation)"
],
"confidence": 0.6,
"assumptions": [
"Bedrooms have standard-sized windows and at least one egress window each (not pictured but inferred from exterior/description).",
"Central HVAC is present and vents visible indicate forced air; however system operation was not verified in photos.",
"Hot water heater is present in the house but not shown in photos; operational status unknown.",
"Smoke and carbon monoxide detectors are not visible in photos and should be assumed absent until confirmed.",
"Stove and microwave are present (visible in kitchen); refrigerator and dishwasher are not visible and may be absent.",
"No major foundation settlement or structural sagging is visible in exterior photos; foundation vents are present and look intact.",
"Boarded/covered windows indicate either broken glass or owner security measures; they will need replacement or proper repair prior to inspection.",
"No active standing water or visible severe mold was observed in photos; ceiling stains likely indicate past leak that has not been fully documented."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 4BR/2BA ranch appears cosmetically updated and largely rentable with minor-to-moderate work. Primary inspection risks are a boarded kitchen window, an open ceiling hole with possible exposed wiring, and no visible smoke/CO detectors — these are likely to cause a fail on an initial NSPIRE/HCV inspection until corrected. Mechanical systems appear present (central air register visible, range and microwave present) but need functional verification. Expected time to rent readiness: 1–4 weeks if contractors are scheduled quickly for electrical/ceiling repairs, window replacement/boarding removal, smoke/CO detector installation, and minor exterior repairs; up to 30–60 days if system repairs or remediation (roof, HVAC, electrical panel) are required after testing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 65.0,
"rationale": "Interior appears freshly painted and floors are intact but heavily worn; kitchen cabinets and counters are present but kitchen window(s) are boarded and there is a visible ceiling hole/damage in the kitchen area. Living areas show cosmetic wear (floor finish, minor ceiling seams). Exterior siding and trim are weathered but intact. Driveway has large cracks and vegetation in joints. Missing or boarded window(s) and ceiling repairs reduce score; missing appliances are not a major penalty since a range and microwave are pictured."
},
{
"key": "safety_code",
"label": "Safety / Code Risks",
"score": 50.0,
"rationale": "Multiple NSPIRE safety risks visible or reasonably inferred: no smoke detectors are visible in photos (likely required), kitchen ceiling shows an open hole with possible exposed wiring (electrical hazard), kitchen window(s) are boarded (blocked egress and security issue), ceiling stains suggest prior/possible leak. Entry has a security gate and windows appear to provide egress in living areas, but GFCI outlets, CO alarms, electrical panel condition and water heater are not shown. These visible hazards create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 60.0,
"rationale": "Central HVAC registers/vents visible in ceilings (suggests central heating/cooling) but system operation not verified. Stove, microwave and kitchen plumbing fixtures are present but window boarding and ceiling damage could indicate prior leak affecting systems. Roof appears intact from exterior photos with no visible sagging, but no water heater, electrical panel, or furnace/air handler photos to confirm condition. Reasonable chance systems function, but verification and minor repairs likely required."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Large level yard and detached two-car carport/garage present. Siding and foundation vents appear intact; gutters and downspouts present. Driveway has significant cracking and settlement lines that are trip hazards and will need repair; detached garage/carport interior is open and may need door/cleanup. Mature trees close to the house could require pruning. No obvious active standing water or collapse visible."
}
],
"red_flags": [
"Open ceiling hole in kitchen with likely exposed wiring (electrical hazard).",
"Kitchen window(s) boarded/covered — broken/missing glazing and blocked egress/ventilation.",
"No visible smoke detectors or carbon monoxide alarms in interior photos.",
"Ceiling stains near kitchen area — evidence of leak/water intrusion that needs investigation.",
"Large cracks and displacement in driveway and open/deteriorated detached garage/carport (trip hazard / structure access)."
],
"confidence": 0.6,
"assumptions": [
"No smoke or carbon monoxide detectors were visible in any interior photos; assume none are installed or they are not operational/visible.",
"HVAC is central forced-air (vents/registers visible) but operational status is unknown; assume it may require testing/servicing.",
"Kitchen windows covered with black plastic/cardboard indicate broken or missing glazing that will need replacement.",
"Ceiling stains and a hole in the kitchen ceiling indicate a past or current leak and an open ceiling penetration with potential exposed wiring.",
"Appliances pictured (electric range, microwave) are present but operability not confirmed; assume they may need basic servicing.",
"No plumbing, water heater, or electrical panel photos were provided; assume systems are original/aged (house built 1950) and require inspection.",
"No rental events found in last 5 years; no rental-history bonus applied."
],
"overall_score": 61.0,
"rubric_version": "nsPIRE_v1_photov1"
},
{
"summary": "Moderate Section 8 inspection risk. The home is mostly sound cosmetically and is likely rentable after targeted repairs, but there are inspection-fail risks that must be corrected prior to an HCV/NSPIRE inspection: address exposed ceiling openings and wiring, replace/repair or uncover and secure boarded windows for egress, install/verify smoke and CO detectors, and fix trip hazards on the driveway/walkway. Major systems (HVAC, plumbing, electrical panel, water heater) need functional verification. Expect 30–60 days of work to reach NSPIRE-compliant condition if contractors are available.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior and exterior are generally intact and cosmetically maintained: hardwood floors are present and in usable condition, paint is recent in many rooms, kitchen layout is serviceable and an electric range & microwave are present. Observable issues that will require repair before move-in include ceiling damage/holes in at least two locations, interior window openings temporarily boarded/tarped, some exterior paint wear, and multiple cracked/uneven concrete surfaces (walkway/drive). Missing refrigerator not shown in photos (minor) and a few fixtures (ceiling light in kitchen) appear removed. These are mostly repair/fixture-level items rather than structural failures, so scope is moderate but not major."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 35.0,
"rationale": "There are multiple safety concerns visible that create NSPIRE/inspection risk: exposed/unfinished ceiling openings with hanging material (possible exposed wiring) in the kitchen area; windows in kitchen appear covered/boarded which could impede egress and ventilation; no smoke detectors are visible in living areas (none photographed); numerous cracked concrete surfaces create trip hazards at driveway/approach. House built 1950 — exterior/interior painted wood surfaces could be lead-risk if paint is peeling (some exterior flaking visible). While there is an exterior security/storm door with a lock (positive), the exposed ceiling wiring and boarded windows are inspection-fail type items until corrected."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 55.0,
"rationale": "Major systems show mixed indicators: central HVAC supply vents are visible in living areas (suggesting forced air present) and the roofline appears even with no obvious large sagging or missing areas in photos. However no outdoor condensing unit, furnace, water heater, or electrical panel are shown to confirm operational status. Kitchen has an electric range and microwave, but unknown condition of plumbing fixtures, hot water, and electrical panel protections (GFCI not visible). Given age (1950) and the absence of system photos, assume systems likely functional but unverified — moderate risk and need for testing/possible service."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Lot and envelope appear generally serviceable: intact siding/shingles, gutters present, crawlspace vents evident, and a detached two-car garage/carport exists. The yard is generous and not overgrown. Deficiencies include extensive cracking and settlement in the driveway and apron (trip and drainage concerns), a few areas of exterior paint wear, and the detached garage interior shows gaps/exposure to elements. No obvious major foundation displacement or roof collapse visible from provided photos."
}
],
"red_flags": [
"Exposed wiring / ceiling openings in kitchen (electrical hazard)",
"Boarded/covered windows in kitchen area (potential egress failure)",
"No visible smoke detectors (NSPIRE failure if not present/working)",
"Ceiling stains/holes suggesting prior or active water intrusion (requires investigation)",
"Large/uneven driveway and walkway cracks (trip hazard)"
],
"confidence": 0.7,
"assumptions": [
"Interior photos represent the majority of habitable living spaces; bedrooms and bathrooms (not shown) are assumed present and in similar mid-condition.",
"Central HVAC exists and uses ducting (returns/registers visible); assumed operational but untested.",
"Water heater and electrical panel are present but not photographed; assumed serviceable until proven otherwise.",
"Boarded/covered kitchen windows are temporary/security coverings for photography and would need permanent repair or replacement for egress/inspection compliance.",
"No refrigerator was visible in photos; missing fridge is considered a moderate repair/item to supply rather than a safety failure.",
"No smoke or carbon monoxide detectors were visible in photos; assume none installed or not visible and must be provided/verified for inspection."
],
"overall_score": 57.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "460 W Northside Dr, Jackson, MS, 39206",
"aggregate": {
"summary": "This 4-bed, 2-bath single-family house presents as generally move-in ready with cosmetic wear and several moderate fixes needed for a successful initial HCV/NSPIRE inspection. Primary items to address before listing for a voucher tenant: repair/replace boarded windows, patch/repair kitchen ceiling hole and any related water damage, ensure all smoke and CO detectors are installed and functioning, correct exposed wiring if present, install/confirm GFCI protection in kitchen/bath areas, and mitigate trip hazards on the front walk and driveway. Verify HVAC, hot water, and electrical panel function. With those repairs (mostly moderate, not structural), the property should be likely to pass an initial inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 67.7,
"rationale": "Overall interior and exterior appear maintained with fresh paint and intact hardwood floors. Visible issues: worn/spotty hardwood finish, cracked concrete driveway/walkway, boarded/covered kitchen windows, small ceiling damage/holes in kitchen area, and a detached garage with missing door/finishes. Electric stove and microwave present; missing or non-visible items (dishwasher, refrigerator) are repair/capital items only. These are mostly cosmetic/medium-repair items that can be corrected within a few weeks."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding and foundation appear intact with typical age-related weathering. Yard is clear and usable; detached two-car garage/carport present but interior of garage shows gaps and no door. Driveway and garage apron have significant cracking (trip/vehicle access concern). Some overgrowth near fence/garage edges. No visible major foundation movement or roof collapse."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 46.7,
"rationale": "Positive: secure front entry with metal security door, large windows that likely provide bedroom egress, no visible collapsed ceilings or standing water. Concerns: no smoke/CO detectors visible in photos, ceiling hole in kitchen with exposed opening (possible wiring), windows boarded (possible broken glass/egress obstruction), cracked walk and driveway trip hazards, and unknown GFCI presence in kitchen/baths. Year-built 1950 raises potential lead-paint risk (no peeling shown). These items present inspection risks that must be cleared pre-inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 58.3,
"rationale": "Ceiling HVAC return/grille visible indicating central HVAC likely installed but operation not verified. Roof appears intact from photos but shows age; gutters present. Water heater, electrical panel and plumbing equipment not shown. Ceiling staining/holes suggest past water intrusion that should be investigated. Systems likely functional but require verification/possible servicing."
}
],
"red_flags": [
"Ceiling hole/damage in kitchen area with possible exposed wiring",
"Boarded/covered kitchen windows (potential broken glass/egress obstruction)",
"No visible smoke detectors or CO alarms in photos",
"Cracked and uneven driveway/walkway creating trip hazards",
"Detached garage open/gaps may allow pests/unauthorized access",
"Property built 1950 — potential lead-based paint risk (requires evaluation)"
],
"confidence": 0.86,
"assumptions": [
"Bedrooms have standard-sized windows and at least one egress window each (not pictured but inferred from exterior/description).",
"Central HVAC is present and vents visible indicate forced air; however system operation was not verified in photos.",
"Hot water heater is present in the house but not shown in photos; operational status unknown.",
"Smoke and carbon monoxide detectors are not visible in photos and should be assumed absent until confirmed.",
"Stove and microwave are present (visible in kitchen); refrigerator and dishwasher are not visible and may be absent.",
"No major foundation settlement or structural sagging is visible in exterior photos; foundation vents are present and look intact.",
"Boarded/covered windows indicate either broken glass or owner security measures; they will need replacement or proper repair prior to inspection.",
"No active standing water or visible severe mold was observed in photos; ceiling stains likely indicate past leak that has not been fully documented."
],
"score_method": "mean_of_criteria",
"overall_score": 60.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7797879242"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.