Property ID: 7805321058
3251 Corey Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $19,680
CoC Return: 32.55%
Monthly Cash Flow: $534
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,400
Closing Costs
$3,280
Total Down
$19,680
Investment Snapshot
Purchase Price
$82,000
Money Down
$19,680
Cash-on-Cash Return
32.55%
Rent
$1,241
Monthly Cash Flow
$534
Annual Cash Flow
$6,406
Debt Service / Mo
$436
Property Tax / Mo
$108
Insurance / Mo
$39
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,241
Payment Standard
$1,620
Rent
$1,241
Insurance
$39
Property Tax
$108
Management
$124
Utilities Allowance
$379
NOI (Monthly)
$970
Debt Service
$436
Cash Flow After Debt
$534
Quality Score: 66.80%
Confidence: 94.00%
Overall this 3BR/1.5BA ranch appears mostly move-in ready with fresh cosmetic work and floors. The largest NSPIRE risks are missing/uncertain smoke & CO detectors, an unverified bathroom wall heater (possible combustion/venting risk), and lack of photographed major systems (HVAC unit, water heater, electrical panel). If the heater is safe/vented, smoke/CO alarms are installed, and basic GFCI checks are completed, the unit is likely to pass an initial HCV inspection after minor fixes (1-30 days).
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
$82,000
Beds
3
Baths
1.5
Living Area
1,115 sqft
Lot Size
13,504 sqft
Year Built
1955
Days on Market
0
Capital Outlay
$19,680
Debt Service
$436
Property Tax / Mo
$108
Insurance / Mo
$39
Property Description
Take a look at this 3 bedroom 1.5 bath home! It is move in ready. Updated floors throughout no carpet and spacious inside. This home has been updated with new fixtures, toilets, vanities and newly painted.Call your favorite Realtor to view this home now.
Utility Allowances
Heating
$50
Property has central heating. Fuel type is not specified but electricity is available. Electric was chosen as it is more expensive than natural gas, per the rule for ambiguity.
Cooking
$11
Property details list 'appliances: None'. An electric range is assumed as gas service is not confirmed.
Water Heating
$29
Fuel for water heating is not specified. Electric was chosen to be consistent with the heating and cooking fuel choices.
Other Electric
$69
Standard allowance for general electricity use (lights, outlets, etc.) for a 3-bedroom unit.
Air Conditioning
$12
Property has central air conditioning, which is covered by this fixed allowance.
Water
$104
Property is connected to public water, as stated in the listing details.
Sewer
$60
Property is connected to public sewer, as stated in the listing details.
Trash Collection
$37
Inferred as a standard tenant-paid utility for a single-family home.
Refrigerator
$4
The property listing specifies 'appliances: None', so this allowance is for a tenant-owned unit.
Range/Microwave
$3
The property listing specifies 'appliances: None', so this allowance is for a tenant-owned unit.
Source References
Payment Standard Source
Effective Date:
Oct 01, 2025
Utility Allowance Source
Effective Date:
Dec 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$458
DP3 Annual Estimate$479
DP1 Monthly Equivalent$38
DP3 Monthly Equivalent$40
Replacement Value$31,210
Basis1,115 sqft / 1955
Nearby Houses
Photo unavailable
929 Corey Dr
sold · 0.05 mi
Price: $65,000
3 bd / 2 ba · 1,230 sqft
Latest sale: — on Jun 05, 2023
Latest rent: $900 on Dec 05, 2024
Photo unavailable
3250 Oak Forest Dr
sold · 0.06 mi
Price: $20,000
3 bd / 1 ba · 1,552 sqft
Latest sale: — on Nov 20, 2023
Latest rent: $1,100 on Mar 26, 2025
Photo unavailable
3315 Rosemary Ave
for_sale · 0.06 mi
Price: $49,500
3 bd / 1 ba · 1,540 sqft
Latest sale: — on Sep 28, 2023
Latest rent: $785 on Jan 29, 2017
Photo unavailable
3333 Rosemary Ave
sold · 0.07 mi
Price: $63,000
3 bd / 2 ba · 1,241 sqft
Latest sale: — on Jan 30, 2026
Latest rent: —
Photo unavailable
3341 Rosemary Ave
sold · 0.09 mi
Price: $99,900
3 bd / 2 ba · 1,516 sqft
Latest sale: — on Dec 01, 2023
Latest rent: $1,480 on Dec 02, 2023
Photo unavailable
720 Cooper Rd
off_market · 0.10 mi
Price: $1,350
3 bd / 2 ba · 2,040 sqft
Latest sale: — on Mar 31, 1990
Latest rent: $1,350 on Feb 07, 2026
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE failure risk).
- Bathroom wall heater present — unknown type/venting; potential gas venting/combustion safety issue requiring immediate verification.
- Roof shows aged shingles/leaf accumulation — potential near-term maintenance to prevent leaks.
Assumptions
- No smoke detectors or CO alarms are visible in the supplied photos; assume none or not recently installed until confirmed.
- Floor vents in photos indicate a forced-air HVAC system is present and functional unless inspection shows otherwise; no HVAC equipment or thermostat was shown.
- Water heater and electrical panel are present on site but not photographed; assumed functional pending verification.
- Bathroom wall heater is assumed to be a combustion/gas or electric wall unit — type and venting are unknown and must be checked; treated as potential safety issue until confirmed.
- Kitchen shows a dishwasher and cabinetry; a stove/range and fridge are not visible in photos — assume missing or removed and will need installation for full rental readiness.
- Windows in bedrooms are assumed to meet egress size requirements based on visible proportions, but exact measurements are not provided.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,253 | $43,210 | $6,482 |
| 2023 | $1,246 | $43,210 | $6,482 |
| 2021 | $1,247 | $43,210 | $6,482 |
| 2020 | $1,232 | $42,930 | $6,440 |
| 2019 | $1,233 | $42,930 | $6,440 |
| 2018 | $1,219 | $42,930 | $6,440 |
| 2017 | $1,219 | $42,930 | $6,440 |
| 2016 | $1,187 | $42,930 | $6,440 |
| 2015 | $1,160 | $43,220 | $6,483 |
| 2014 | $1,159 | $43,220 | $6,483 |
| 2013 | $1,127 | $43,220 | $6,483 |
| 2012 | $1,127 | $43,220 | $6,483 |
| 2011 | $1,081 | $42,080 | $6,312 |
| 2010 | $1,075 | $42,080 | $6,312 |
| 2009 | $1,075 | $42,080 | $6,312 |
| 2008 | $1,075 | $33,110 | $4,967 |
| 2007 | $855 | $33,110 | $4,967 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-16 | Listed | $82,000 |
| 2026-01-20 | Listing removed | $0 |
| 2026-01-10 | Relisted | $85,900 |
| 2026-01-02 | Listing removed | $0 |
| 2025-04-16 | Listed | $85,900 |
| 2024-05-28 | Listing removed | $0 |
| 2024-05-15 | Relisted | $49,900 |
| 2024-05-01 | Listing removed | $0 |
| 2023-09-15 | Listed | $49,900 |
| 2022-11-11 | Listing removed | $0 |
| 2022-11-10 | Listing removed | $0 |
| 2022-11-03 | Listed for rent | $925 |
| 2022-11-02 | Listed for rent | $925 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2019-06-12 | Listed for rent | $775 | — |
Photo Gallery
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"last_status_change_date": "2026-01-20T06:25:38Z"
},
"event_name": "Relisted",
"price_sqft": 77.04035874439462,
"source_name": "MLSUnited",
"price_change": 85900,
"days_after_listed": null,
"source_listing_id": "4110292",
"price_change_percentage": null
},
{
"date": "2026-01-02",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-04-16T15:25:11Z",
"list_price": 85900,
"listing_id": "2980635760",
"last_update_date": "2026-01-10T01:51:06Z",
"last_status_change_date": "2026-01-20T06:25:38Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "261 days",
"source_listing_id": "4110292",
"price_change_percentage": null
},
{
"date": "2025-04-16",
"price": 85900,
"listing": {
"status": "off_market",
"list_date": "2025-04-16T15:25:11Z",
"list_price": 85900,
"listing_id": "2980635760",
"last_update_date": "2026-01-10T01:51:06Z",
"last_status_change_date": "2026-01-20T06:25:38Z"
},
"event_name": "Listed",
"price_sqft": 77.04035874439462,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4110292",
"price_change_percentage": null
},
{
"date": "2024-05-28",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2023-09-15T03:25:08Z",
"list_price": 49900,
"listing_id": "2959692325",
"last_update_date": "2024-05-15T08:07:37Z",
"last_status_change_date": "2024-05-28T08:22:49Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4058833",
"price_change_percentage": null
},
{
"date": "2024-05-15",
"price": 49900,
"listing": {
"status": "off_market",
"list_date": "2023-09-15T03:25:08Z",
"list_price": 49900,
"listing_id": "2959692325",
"last_update_date": "2024-05-15T08:07:37Z",
"last_status_change_date": "2024-05-28T08:22:49Z"
},
"event_name": "Relisted",
"price_sqft": 44.75336322869955,
"source_name": "MLSUnited",
"price_change": 49900,
"days_after_listed": null,
"source_listing_id": "4058833",
"price_change_percentage": null
},
{
"date": "2024-05-01",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2023-09-15T03:25:08Z",
"list_price": 49900,
"listing_id": "2959692325",
"last_update_date": "2024-05-15T08:07:37Z",
"last_status_change_date": "2024-05-28T08:22:49Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "229 days",
"source_listing_id": "4058833",
"price_change_percentage": null
},
{
"date": "2023-09-15",
"price": 49900,
"listing": {
"status": "off_market",
"list_date": "2023-09-15T03:25:08Z",
"list_price": 49900,
"listing_id": "2959692325",
"last_update_date": "2024-05-15T08:07:37Z",
"last_status_change_date": "2024-05-28T08:22:49Z"
},
"event_name": "Listed",
"price_sqft": 44.75336322869955,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4058833",
"price_change_percentage": null
},
{
"date": "2022-11-11",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-11-03T13:53:17Z",
"list_price": 925,
"listing_id": "2949519578",
"last_update_date": "2022-11-03T13:53:17Z",
"last_status_change_date": "2022-11-11T13:49:33Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "51248915",
"price_change_percentage": null
},
{
"date": "2022-11-10",
"price": 0,
"listing": {
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"list_date": "2022-11-02T21:21:22Z",
"list_price": 925,
"listing_id": "2949499793",
"last_update_date": "2022-11-02T19:13:01Z",
"last_status_change_date": "2022-11-10T21:14:07Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "TurboTenant",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1014801",
"price_change_percentage": null
},
{
"date": "2022-11-03",
"price": 925,
"listing": {
"status": "off_market",
"list_date": "2022-11-03T13:53:17Z",
"list_price": 925,
"listing_id": "2949519578",
"last_update_date": "2022-11-03T13:53:17Z",
"last_status_change_date": "2022-11-11T13:49:33Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8409090909090909,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "51248915",
"price_change_percentage": null
},
{
"date": "2022-11-02",
"price": 925,
"listing": {
"status": "off_market",
"list_date": "2022-11-02T21:21:22Z",
"list_price": 925,
"listing_id": "2949499793",
"last_update_date": "2022-11-02T19:13:01Z",
"last_status_change_date": "2022-11-10T21:14:07Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8409090909090909,
"source_name": "TurboTenant",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1014801",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7805321058",
"generated_at": "2026-02-16T23:13:23.460385Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.8
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/6b7de3eb9f6cd43c6c7091243d4ee574l-m3920284088s-w1280.jpg",
"rent_price": 1241.0,
"loan_amount": 65600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3251-Corey-Dr_Jackson_MS_39212_M78053-21058",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 82000.0,
"loan_term_years": 30,
"annual_cash_flow": 11643.71,
"mortgage_monthly": 436.44,
"payment_standard": 1620.0,
"total_amount_out": 16400.0,
"additional_photos": [
"https://ap.rdcpix.com/6b7de3eb9f6cd43c6c7091243d4ee574l-m1512221003s-w1280.jpg",
"https://ap.rdcpix.com/6b7de3eb9f6cd43c6c7091243d4ee574l-m1117461197s-w1280.jpg",
"https://ap.rdcpix.com/6b7de3eb9f6cd43c6c7091243d4ee574l-m1604306361s-w1280.jpg",
"https://ap.rdcpix.com/6b7de3eb9f6cd43c6c7091243d4ee574l-m718046171s-w1280.jpg",
"https://ap.rdcpix.com/6b7de3eb9f6cd43c6c7091243d4ee574l-m1001301755s-w1280.jpg",
"https://ap.rdcpix.com/6b7de3eb9f6cd43c6c7091243d4ee574l-m3970190146s-w1280.jpg",
"https://ap.rdcpix.com/6b7de3eb9f6cd43c6c7091243d4ee574l-m3879345477s-w1280.jpg",
"https://ap.rdcpix.com/6b7de3eb9f6cd43c6c7091243d4ee574l-m421030810s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 39.04,
"monthly_cash_flow": 970.31,
"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 heating. Fuel type is not specified but electricity is available. Electric was chosen as it is more expensive than natural gas, per the rule for ambiguity.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Property details list 'appliances: None'. An electric range is assumed as gas service is not confirmed.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Fuel for water heating is not specified. Electric was chosen to be consistent with the heating and cooking fuel choices.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "Standard allowance for general electricity use (lights, outlets, etc.) for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property has central air conditioning, which is covered by this fixed allowance.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Property is connected to public water, as stated in the listing details.",
"utility": "Water",
"allowance": 104
},
{
"note": "Property is connected to public sewer, as stated in the listing details.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Inferred as a standard tenant-paid utility for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property listing specifies 'appliances: None', so this allowance is for a tenant-owned unit.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property listing specifies 'appliances: None', so this allowance is for a tenant-owned unit.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.71,
"down_payment_amount": 16400.0,
"property_tax_annual": 1290.59,
"property_tax_monthly": 107.55,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/fmr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39212/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 6406.45,
"property_management_monthly": 124.1,
"monthly_cash_flow_after_debt": 533.87,
"cash_on_cash_return_after_debt": 0.39
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3BR/1.5BA ranch appears mostly move-in ready with fresh cosmetic work and floors. The largest NSPIRE risks are missing/uncertain smoke & CO detectors, an unverified bathroom wall heater (possible combustion/venting risk), and lack of photographed major systems (HVAC unit, water heater, electrical panel). If the heater is safe/vented, smoke/CO alarms are installed, and basic GFCI checks are completed, the unit is likely to pass an initial HCV inspection after minor fixes (1-30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior appears recently refreshed: new-looking vinyl plank floors, fresh paint, new toilets/vanities per listing and photos. Cabinets show wear and some damage at cabinet toe/kick; kitchen appears to be missing a range/stove (space visible) and no refrigerator shown. Minor cosmetic scuffs at trim and cabinet edges. Overall items are easy-to-fix or capital-replacement items; no visible collapsed ceilings, major floor damage or exposed subfloor."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Photos do not show any smoke detectors or CO alarms (none visible on ceilings); outlets have covers and bedrooms show windows that appear adequate for egress. Entry has a metal security door (appears to have lock), but no visible deadbolt on interior door photo (security door likely has lock). A wall-mounted heater is present in the bathroom area — condition/venting/type unknown and could be a combustion/venting risk that must be verified. No exposed live wiring visible. GFCI protection in kitchen/bath is not visible in photos. Plumbing fixtures appear present and intact. Overall there are several unknowns (smoke/CO detectors, heater venting, GFCI) that raise moderate NSPIRE risk that are likely resolved with small installs/inspections but could fail if heater/venting is unsafe."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Floor vents visible indicating forced-air system (presence inferred) but no HVAC unit, thermostat or water heater photographed — functionality unknown. The roof shows aged shingles/debris but no visible sagging or active leaks in interior photos; attic/roof condition not verified. Electrical panel not shown. Bathroom typically has wall heater (visible) suggesting supplement heating — needs verification of fuel type and venting. Plumbing fixtures, toilet and tub appear recently updated. Given limited photo evidence of major system components, assume operational but requiring verification and routine service."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Exterior siding and porch appear intact; foundation vents present and no visible large foundation cracks or sagging. Roof shingles look aged with leaf/debris accumulation and some wear but no visible collapse. Driveway and yard show leaf accumulation and surface cracking but no trip hazards. Carport and storage room appear serviceable. Property needs routine exterior cleanup and minor roof maintenance."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE failure risk).",
"Bathroom wall heater present — unknown type/venting; potential gas venting/combustion safety issue requiring immediate verification.",
"Roof shows aged shingles/leaf accumulation — potential near-term maintenance to prevent leaks."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or CO alarms are visible in the supplied photos; assume none or not recently installed until confirmed.",
"Floor vents in photos indicate a forced-air HVAC system is present and functional unless inspection shows otherwise; no HVAC equipment or thermostat was shown.",
"Water heater and electrical panel are present on site but not photographed; assumed functional pending verification.",
"Bathroom wall heater is assumed to be a combustion/gas or electric wall unit — type and venting are unknown and must be checked; treated as potential safety issue until confirmed.",
"Kitchen shows a dishwasher and cabinetry; a stove/range and fridge are not visible in photos — assume missing or removed and will need installation for full rental readiness.",
"Windows in bedrooms are assumed to meet egress size requirements based on visible proportions, but exact measurements are not provided."
],
"overall_score": 68.0,
"rubric_version": "nsPIRE-2025-v1"
},
{
"summary": "This 3 BR / 1.5 BA single-family appears cosmetically updated and generally in good visible condition — likely rentable after minor repairs and safety upgrades. Primary inspection risks are missing/uncertain smoke and CO detectors, unclear GFCI protection, verification of HVAC and water heater operation, and a roof showing age/debris that should be inspected. With installation of required detectors, verification/repair of electrical GFCI circuits (if needed), confirmation of mechanical system operation, and addressing minor finish work (cabinet trim, thresholds, install stove/fridge), this property is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic work — new paint, new vinyl plank flooring throughout, updated vanities and toilets per listing. Cabinets and counter edges show some wear and missing trim; kitchen appears to be missing a range/stove and refrigerator (no appliances visible). Minor finish repairs (cabinet touch-up, baseboard/threshold trim) will be needed. Overall cosmetic condition appears good and no major interior structural damage is visible."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Several safety items are not visible in photos and likely require action: no smoke detectors or carbon monoxide detectors are visible in bedrooms/hallways; GFCI protection for kitchen/bath outlets is not clearly visible; bathroom shows a wall-mounted heater that should be verified for proper venting and guard; entry has a security screen door but presence of a functioning deadbolt is not confirmed. Windows in bedrooms appear adequate for egress but cannot be measured from photos. No exposed electrical wiring or collapsed ceilings were observed. Given missing/uncertain smoke/CO/GFCI devices this is a notable inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 65.0,
"rationale": "Visible floor registers and a wall heater in the bathroom suggest the property has forced-air/hybrid heating; presence/operation of central HVAC and water heater is not shown. Electrical panel is not shown. Roof shingles appear aged with debris but no obvious active leaks or sagging in photos. Plumbing fixtures (toilets, vanities, kitchen sink) look recently replaced. Because major systems are not shown, moderate uncertainty remains; expect a service check for HVAC, water heater, and electrical panel to confirm full compliance."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 70.0,
"rationale": "Exterior shows an intact foundation with crawl vents, a carport, and siding in generally fair condition. Roof shows wear and leaf/debris accumulation and will likely benefit from cleaning/inspection; no obvious large roof failure, sagging, or major foundation cracks were observed in provided photos. Driveway and yard show some deferred maintenance (leaf litter, minor driveway cracking) but no immediate safety hazards visible."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — required for pass",
"No clearly visible GFCI-protected kitchen/bath outlets — likely safety deficiency",
"Bathroom wall-mounted heater visible — requires verification of safe installation/venting",
"Roof shows aging shingles and debris accumulation — service/inspection recommended",
"No photos of electrical panel, HVAC equipment, or water heater — system operability must be verified"
],
"confidence": 0.6,
"assumptions": [
"Photos are representative of the whole interior/exterior and no major areas (basement/attic) contain unseen damage.",
"Central HVAC and hot water heater are present even though not pictured; floor registers and wall heater indicate forced-air distribution.",
"No smoke detectors or CO alarms are installed in locations required by NSPIRE unless they are present but simply not visible in the provided photos.",
"Kitchen appliances (range/fridge) are not included/installed based on photos; missing appliances reduce readiness but are not treated as structural failures.",
"Electrical panel condition and presence of GFCI outlets are unknown; lack of visible GFCI receptacles near kitchen/bath is treated as a likely issue.",
"Roof has age-related wear and debris but no visible active leaks or structural sagging in provided images."
],
"overall_score": 67.0,
"rubric_version": "2026-02-16_NSPIRE_v1"
},
{
"summary": "This 3BR/1.5BA single-family home is cosmetically updated and largely rent-ready; floors, paint and fixtures appear recently refreshed. The most likely inspection issues are absence/not-visible smoke and CO detectors, incomplete documentation/visibility of major mechanical equipment (water heater, electrical panel, HVAC condensing/furnace), and an older wall heater in the bathroom that may require service or verification of proper venting. Missing kitchen major appliances (stove/fridge) will require installation prior to move-in or tenant-supplied appliances depending on lease, but these are moderate, fixable items. Overall the property is likely to pass with 1–2 weeks of targeted fixes (detectors, appliance provisioning, mechanical checks), but the wall heater and lack of visible safety alarms represent the primary inspection risks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently updated: fresh paint, new-looking vinyl plank flooring throughout, new toilets/vanities claimed and fixtures look serviceable. Kitchen cabinet faces show wear and one appliance (stove and refrigerator) are not visible in photos (dishwasher present). Minor trim/threshold gaps and scuffing at cabinet bases noted. Overall cosmetic condition is good and only moderate, mostly easy-to-fix items (appliances, minor trim/cabinet touch-up)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in interior photos — NSPIRE requires operable smoke detectors in hallways and bedrooms and CO alarms where fuel-burning appliances or an attached garage exist. A wall heater grille in the bathroom suggests a fuel-burning wall unit (potential venting or combustion air concern). Bedroom windows appear present for egress but sizes cannot be dimension-checked from photos. No exposed wiring or obvious trip hazards visible. Kitchen GFCI presence not verifiable from photos. Given the likely missing/undocumented detectors and the bathroom wall heater, there is moderate risk of failing a safety inspection without small corrective work."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "Floor registers and visible venting suggest a central HVAC or at least ducted forced-air system — vents are present in multiple rooms. Water heater, electrical panel, and furnace/AC equipment are not shown. Roof shingles look aged but show no obvious sagging or active leaks in exterior photo; minor debris accumulation is present. The visible bathroom wall heater appears older (may be gas) and should be tested/serviced. Because major systems are present but not documented or pictured, there is moderate uncertainty and a moderate score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior envelope (siding, windows, carport) appears intact with no visible structural sagging; foundation vents visible indicating crawlspace. Roof appears aged but not visibly collapsed; gutters not shown. Yard is unmaintained with leaf cover but no standing water or debris piles that indicate active drainage failure. Driveway shows normal wear. Overall, exterior is functional but needs routine cleanup and minor maintenance."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms (NSPIRE required).",
"Possible gas venting/combustion concern: older wall heater visible in bathroom — requires verification/servicing.",
"Major systems (water heater, furnace/AC condenser, electrical panel) not shown/verified — inspection risk until documented.",
"Kitchen stove and refrigerator not visible (appliance provisioning required prior to tenancy)."
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or carbon monoxide alarms are present because none are visible in interior photos; they are not simply out of frame.",
"A stove and refrigerator are not present in the listed kitchen photos (dishwasher visible); owner may supply but not shown.",
"HVAC exists (ducts and floor vents visible) and is operational, but the primary furnace/condensing unit and water heater were not pictured and their condition is unknown.",
"Bathroom wall heater is a fuel-burning (likely gas) unit based on the grille design; combustion/venting condition unknown.",
"Roof is older but shows no visible active sagging or leak stains in the provided exterior photo.",
"Electrical panel, breakers, and presence of required GFCI outlets were not visible and therefore assumed unverified.",
"Bedroom windows provide egress but exact dimensions and opening operation were not confirmed from photos."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE-v1-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3251 Corey Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Overall this 3BR/1.5BA ranch appears mostly move-in ready with fresh cosmetic work and floors. The largest NSPIRE risks are missing/uncertain smoke & CO detectors, an unverified bathroom wall heater (possible combustion/venting risk), and lack of photographed major systems (HVAC unit, water heater, electrical panel). If the heater is safe/vented, smoke/CO alarms are installed, and basic GFCI checks are completed, the unit is likely to pass an initial HCV inspection after minor fixes (1-30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 76.7,
"rationale": "Interior appears recently refreshed: new-looking vinyl plank floors, fresh paint, new toilets/vanities per listing and photos. Cabinets show wear and some damage at cabinet toe/kick; kitchen appears to be missing a range/stove (space visible) and no refrigerator shown. Minor cosmetic scuffs at trim and cabinet edges. Overall items are easy-to-fix or capital-replacement items; no visible collapsed ceilings, major floor damage or exposed subfloor."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Exterior siding and porch appear intact; foundation vents present and no visible large foundation cracks or sagging. Roof shingles look aged with leaf/debris accumulation and some wear but no visible collapse. Driveway and yard show leaf accumulation and surface cracking but no trip hazards. Carport and storage room appear serviceable. Property needs routine exterior cleanup and minor roof maintenance."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 56.7,
"rationale": "Photos do not show any smoke detectors or CO alarms (none visible on ceilings); outlets have covers and bedrooms show windows that appear adequate for egress. Entry has a metal security door (appears to have lock), but no visible deadbolt on interior door photo (security door likely has lock). A wall-mounted heater is present in the bathroom area — condition/venting/type unknown and could be a combustion/venting risk that must be verified. No exposed live wiring visible. GFCI protection in kitchen/bath is not visible in photos. Plumbing fixtures appear present and intact. Overall there are several unknowns (smoke/CO detectors, heater venting, GFCI) that raise moderate NSPIRE risk that are likely resolved with small installs/inspections but could fail if heater/venting is unsafe."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 61.7,
"rationale": "Floor vents visible indicating forced-air system (presence inferred) but no HVAC unit, thermostat or water heater photographed — functionality unknown. The roof shows aged shingles/debris but no visible sagging or active leaks in interior photos; attic/roof condition not verified. Electrical panel not shown. Bathroom typically has wall heater (visible) suggesting supplement heating — needs verification of fuel type and venting. Plumbing fixtures, toilet and tub appear recently updated. Given limited photo evidence of major system components, assume operational but requiring verification and routine service."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE failure risk).",
"Bathroom wall heater present — unknown type/venting; potential gas venting/combustion safety issue requiring immediate verification.",
"Roof shows aged shingles/leaf accumulation — potential near-term maintenance to prevent leaks."
],
"confidence": 0.94,
"assumptions": [
"No smoke detectors or CO alarms are visible in the supplied photos; assume none or not recently installed until confirmed.",
"Floor vents in photos indicate a forced-air HVAC system is present and functional unless inspection shows otherwise; no HVAC equipment or thermostat was shown.",
"Water heater and electrical panel are present on site but not photographed; assumed functional pending verification.",
"Bathroom wall heater is assumed to be a combustion/gas or electric wall unit — type and venting are unknown and must be checked; treated as potential safety issue until confirmed.",
"Kitchen shows a dishwasher and cabinetry; a stove/range and fridge are not visible in photos — assume missing or removed and will need installation for full rental readiness.",
"Windows in bedrooms are assumed to meet egress size requirements based on visible proportions, but exact measurements are not provided."
],
"score_method": "mean_of_criteria",
"overall_score": 66.8,
"rubric_version": "nsPIRE-2025-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7805321058"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.