Property ID: 7825135870
6505 Van Buren Rd, Jackson, MS, 39213
Jackson, MS
Money Down: $18,480
CoC Return: 14.24%
Monthly Cash Flow: $219
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,400
Closing Costs
$3,080
Total Down
$18,480
Investment Snapshot
Purchase Price
$77,000
Money Down
$18,480
Cash-on-Cash Return
14.24%
Rent
$829
Monthly Cash Flow
$219
Annual Cash Flow
$2,632
Debt Service / Mo
$410
Property Tax / Mo
$61
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$829
Payment Standard
$1,190
Rent
$829
Insurance
$56
Property Tax
$61
Management
$83
Utilities Allowance
$361
NOI (Monthly)
$629
Debt Service
$410
Cash Flow After Debt
$219
Quality Score: 64.60%
Confidence: 92.00%
Property is generally habitable and likely can pass an initial Section 8/HCV inspection after addressing several moderate items: install/verify smoke and CO alarms, ensure required GFCI protection, install purchased flooring properly and repair/secure the loose floor covering, deep-clean and remove clutter, and confirm HVAC, water heater and electrical panel are safe/operational. No visible major structural failures, roof is recent per listing, and appliances are present. Expect minor-to-moderate work (cosmetic, safety devices, flooring) to reach rent-ready condition—typically within 2–6 weeks depending on verification of systems.
Section 8 Payment Standard
$1,190
Utility Allowance Total
$361
Guaranteed Section 8 Rent (PS - Utilities)
$829
Property Management
$83
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$77,000
Beds
3
Baths
2
Living Area
1,972 sqft
Lot Size
10,019 sqft
Year Built
1972
Days on Market
99
Capital Outlay
$18,480
Debt Service
$410
Property Tax / Mo
$61
Insurance / Mo
$56
Property Description
Welcome to one of Jackson's most sought-after neighborhoods - Presidential Hills! This spacious 3-beds, 2-baths home is one of the largest in the subdivision, offering 1,972 sq. ft. of comfortable living space. Step inside to find hardwood floors, fireplace, a large master bedroom featuring a relaxing hot tub, and ample walk-in closest. The home also includes new flooring (purchased and ready for installation), a roof only about 5 years old, and a private fenced backyard - perfect for gatherings or quiet evenings outdoors. This home is move-in ready and even comes fully furnished, providing exceptional value and convenience. Sold in its present state, it gives you the opportunity to customize and make it truly your own. Don't miss out on this steal of a deal - call your favorite real estate broker today to make your offer.
Utility Allowances
Air Conditioning
$12
The property includes Central Air, so the standard allowance for a 3-bedroom unit is applied.
Cooking
$0
The property provides a cooktop and oven, so the tenant does not have a cooking utility cost.
Heating
$50
The property has central heating. The specific fuel type is not listed, so Electric heating was selected as the more expensive option compared to natural gas, as per the rules.
Other Electric
$69
A standard allowance for general electrical use (lights, outlets, etc.) for a home of this size.
Sewer
$60
The property is connected to a public sewer system as stated in the listing details.
Trash Collection
$37
Standard allowance for residential trash collection, which is assumed for a single-family home.
Water
$104
The property is connected to a public water source as stated in the listing details.
Water Heating
$29
The fuel for water heating is not specified. Electric was chosen as the more expensive option over natural gas, following the provided rules.
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$657
DP3 Annual Estimate$687
DP1 Monthly Equivalent$55
DP3 Monthly Equivalent$57
Replacement Value$52,790
Basis1,972 sqft / 1972
Nearby Houses
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6548 George Washington Dr
for_sale · 0.06 mi
Price: $95,000
3 bd / 2 ba · 1,272 sqft
Latest sale: —
Latest rent: —
Photo unavailable
138 James Monroe Pl
sold · 0.07 mi
Price: $66,136
3 bd / 2 ba · 1,240 sqft
Latest sale: — on Aug 27, 2025
Latest rent: —
Photo unavailable
6539 George Washington Dr
sold · 0.07 mi
Price: $48,000
3 bd / 2 ba · 1,846 sqft
Latest sale: — on Dec 20, 2022
Latest rent: $1,150 on Jan 27, 2024
Photo unavailable
6546 Van Buren Rd
sold · 0.07 mi
Price: $90,000
3 bd / 2 ba · 1,074 sqft
Latest sale: — on Jan 07, 2022
Latest rent: —
Photo unavailable
381 James Garfield Cir
sold · 0.10 mi
Price: $52,000
3 bd / 2 ba · 1,100 sqft
Latest sale: — on Aug 29, 2022
Latest rent: $1,075 on Apr 01, 2023
Photo unavailable
6557 Van Buren Rd
sold · 0.11 mi
Price: $30,000
3 bd / 2 ba · 1,078 sqft
Latest sale: — on Apr 02, 2021
Latest rent: —
Photo unavailable
225 William McKinley Cir
for_sale · 0.11 mi
Price: $100,000
3 bd / 2 ba · 1,143 sqft
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon-monoxide alarms in photos — life-safety devices may be missing.
- Loose / wrinkled floor covering in large room (trip hazard) — potential immediate safety violation until secured or replaced.
- Potential egress concern for at least one small/high window (bath area) that may not meet bedroom egress requirements if used as sleeping space.
- Clutter and heavy furnishings throughout photos that conceal surfaces and systems and may hide issues (mold, damage, wiring).
Assumptions
- Utilities (electricity, water) are or can be turned on for testing; photos were taken with power on (ceiling fans/lights visible).
- Listing statement that roof is ~5 years old is accurate and roof has no active leaks (no stains/roof damage visible inside).
- Central HVAC exists and vents are functional (visible ceiling vents), but unit operation was not tested in photos.
- Hot water system and electrical panel are present but were not shown/verified in images.
- No active pest infestation or severe hidden mold is present; clutter may conceal minor issues.
- Smoke and carbon monoxide detectors, as well as GFCI-protected outlets in wet areas, are either missing or not visible in provided photos and should be confirmed/installed.
- New flooring purchased (per listing) is not yet installed — the wrinkled blue floor covering in photos is a temporary/old covering needing replacement or repair.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-15 | Price Changed | $77,000 |
| 2025-11-09 | Listed | $79,999 |
Photo Gallery
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"status": "for_sale",
"tax_history": null,
"property_history": [
{
"date": "2025-12-15",
"price": 77000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-09T20:12:35Z",
"list_price": 77000,
"listing_id": "2988301816",
"last_update_date": "2025-12-15T05:39:19Z",
"last_status_change_date": "2025-11-09T20:12:35Z"
},
"event_name": "Price Changed",
"price_sqft": 39.046653144016226,
"source_name": "MLSUnited",
"price_change": -2999,
"days_after_listed": null,
"source_listing_id": "4131095",
"price_change_percentage": null
},
{
"date": "2025-11-09",
"price": 79999,
"listing": {
"status": "for_sale",
"list_date": "2025-11-09T20:12:35Z",
"list_price": 77000,
"listing_id": "2988301816",
"last_update_date": "2025-12-15T05:39:19Z",
"last_status_change_date": "2025-11-09T20:12:35Z"
},
"event_name": "Listed",
"price_sqft": 40.567444219066935,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4131095",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7825135870",
"generated_at": "2026-02-16T23:25:48.934194Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.6
},
"utility_allowance": {
"zip_code": "39213",
"home_photo": "https://ap.rdcpix.com/4d8b7c4e2ac24936cad6d01d967c45e9l-m4229963738s-w1280.jpg",
"rent_price": 829.0,
"loan_amount": 61600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/6505-Van-Buren-Rd_Jackson_MS_39213_M78251-35870",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 77000.0,
"loan_term_years": 30,
"annual_cash_flow": 7549.7,
"mortgage_monthly": 409.83,
"payment_standard": 1190.0,
"total_amount_out": 15400.0,
"additional_photos": [
"https://ap.rdcpix.com/4d8b7c4e2ac24936cad6d01d967c45e9l-m3735330292s-w1280.jpg",
"https://ap.rdcpix.com/4d8b7c4e2ac24936cad6d01d967c45e9l-m2792814925s-w1280.jpg",
"https://ap.rdcpix.com/4d8b7c4e2ac24936cad6d01d967c45e9l-m2714704094s-w1280.jpg",
"https://ap.rdcpix.com/4d8b7c4e2ac24936cad6d01d967c45e9l-m2724574998s-w1280.jpg",
"https://ap.rdcpix.com/4d8b7c4e2ac24936cad6d01d967c45e9l-m1806770331s-w1280.jpg",
"https://ap.rdcpix.com/4d8b7c4e2ac24936cad6d01d967c45e9l-m3744006770s-w1280.jpg",
"https://ap.rdcpix.com/4d8b7c4e2ac24936cad6d01d967c45e9l-m3573881147s-w1280.jpg",
"https://ap.rdcpix.com/4d8b7c4e2ac24936cad6d01d967c45e9l-m1750078071s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 56.0,
"monthly_cash_flow": 629.14,
"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": "The property includes Central Air, so the standard allowance for a 3-bedroom unit is applied.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "The property provides a cooktop and oven, so the tenant does not have a cooking utility cost.",
"utility": "Cooking",
"allowance": 0
},
{
"note": "The property has central heating. The specific fuel type is not listed, so Electric heating was selected as the more expensive option compared to natural gas, as per the rules.",
"utility": "Heating",
"allowance": 50
},
{
"note": "A standard allowance for general electrical use (lights, outlets, etc.) for a home of this size.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "The property is connected to a public sewer system as stated in the listing details.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard allowance for residential trash collection, which is assumed for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property is connected to a public water source as stated in the listing details.",
"utility": "Water",
"allowance": 104
},
{
"note": "The fuel for water heating is not specified. Electric was chosen as the more expensive option over natural gas, following the provided rules.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.49,
"down_payment_amount": 15400.0,
"property_tax_annual": 731.5,
"property_tax_monthly": 60.96,
"property_tax_increase": 0.03,
"utility_allowance_total": 361.0,
"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": null,
"annual_cash_flow_after_debt": 2631.78,
"property_management_monthly": 82.9,
"monthly_cash_flow_after_debt": 219.32,
"cash_on_cash_return_after_debt": 0.17
},
"section8_assessment": {
"runs": [
{
"summary": "Property is generally habitable and likely can pass an initial Section 8/HCV inspection after addressing several moderate items: install/verify smoke and CO alarms, ensure required GFCI protection, install purchased flooring properly and repair/secure the loose floor covering, deep-clean and remove clutter, and confirm HVAC, water heater and electrical panel are safe/operational. No visible major structural failures, roof is recent per listing, and appliances are present. Expect minor-to-moderate work (cosmetic, safety devices, flooring) to reach rent-ready condition—typically within 2–6 weeks depending on verification of systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 65.0,
"rationale": "Interior appears lived-in but intact. Kitchen appliances (refrigerator, wall oven, dishwasher) are present though cabinets, tile grout, and surfaces show wear and dirt. Bathroom fixtures are older and vanity/tub areas show cosmetic wear. Listing states new flooring purchased but not installed — visible rippled/loose blue floor covering in one large room is a noticeable trip/cosmetic issue. Furnishings and clutter throughout will need removal/cleaning. These are mostly cosmetic/medium-effort repairs and a moderate flooring install; not structural. Missing/unfinished flooring reduces score moderately."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos (likely required). Ceiling and walls appear intact with no visible collapse or major water intrusion. No exposed wiring observed in photos; ceiling fans and HVAC vents are present. Potential egress concern: at least one small/high window (bath area) may not meet bedroom egress if that room is used for sleeping — bedroom windows shown look typical but egress sizing not verifiable from photos. GFCI outlets and electrical panel are not visible. Loose/wrinkled flooring is a trip hazard. Overall there are moderate NSPIRE risks primarily from missing/uncertain life-safety devices (smoke/CO/GFCI) and flooring egress/trip concerns."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "Listing states roof ~5 years old and exterior roof looks serviceable in photo. Ceiling vents and return grilles visible indicating central HVAC likely present; operational status not verified but presence lowers risk. No water heater or electrical panel photos to confirm. Plumbing fixtures are present in bathrooms and kitchen; functionality unverified but no visible major leaks or staining. No evidence of active roof leaks, collapsed ceilings, or major foundation issues in images. Because key systems (water heater, panel, HVAC operational tests) are unverified, score is moderate but acceptable."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior curb view shows a maintained single-story house with driveway, mailbox pillar and fenced yard. Landscaping is slightly overgrown but not structurally threatening. Yard and walkways appear usable; no standing water or obvious drainage failures visible. Fence and backyard are present per listing. Overall exterior shows routine maintenance needs only."
}
],
"red_flags": [
"No visible smoke detectors or carbon-monoxide alarms in photos — life-safety devices may be missing.",
"Loose / wrinkled floor covering in large room (trip hazard) — potential immediate safety violation until secured or replaced.",
"Potential egress concern for at least one small/high window (bath area) that may not meet bedroom egress requirements if used as sleeping space.",
"Clutter and heavy furnishings throughout photos that conceal surfaces and systems and may hide issues (mold, damage, wiring)."
],
"confidence": 0.65,
"assumptions": [
"Utilities (electricity, water) are or can be turned on for testing; photos were taken with power on (ceiling fans/lights visible).",
"Listing statement that roof is ~5 years old is accurate and roof has no active leaks (no stains/roof damage visible inside).",
"Central HVAC exists and vents are functional (visible ceiling vents), but unit operation was not tested in photos.",
"Hot water system and electrical panel are present but were not shown/verified in images.",
"No active pest infestation or severe hidden mold is present; clutter may conceal minor issues.",
"Smoke and carbon monoxide detectors, as well as GFCI-protected outlets in wet areas, are either missing or not visible in provided photos and should be confirmed/installed.",
"New flooring purchased (per listing) is not yet installed — the wrinkled blue floor covering in photos is a temporary/old covering needing replacement or repair."
],
"overall_score": 64.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed/2-bath house appears generally habitable with a reasonably new roof and functioning major systems likely present (central HVAC vents visible). Primary deficiencies are cosmetic and capital items (floors not installed, worn cabinetry, dated bathrooms) and a few safety/code verifications required (smoke/CO detectors, GFCI outlets). No obvious structural failures were observed in photos. With targeted work — installation of purchased flooring, thorough cleaning, installation/verification of detectors and GFCIs, repair of bubbled flooring/trip hazards and minor plumbing/electrical checks — the property could likely pass an initial HCV/NSPIRE inspection within 2–6 weeks. Overall readiness is slightly above average but depends on verifying HVAC, water heater and electrical panel operation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs needed",
"score": 65.0,
"rationale": "Interior is lived-in and shows moderate deferred maintenance but no catastrophic damage in photos. Visible issues: worn/dated cabinets and countertops, two bathrooms with older fixtures, one area with bubbled/wrinkled blue floor covering, general cosmetic wear, clutter/furnishings throughout, and listing note that new flooring is purchased but not installed. Appliances (wall oven, refrigerator, dishwasher) are present but older. These are mostly cosmetic and capital items that can be remedied within a few weeks (new flooring installation, paint, cabinet/fixture refresh, cleaning)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, major water intrusion, or active standing water). However smoke detectors and CO alarms are not visible in the photos and must be verified/installed. Kitchen photos show no obvious GFCI outlets near sinks (likely absent given house age). The bubbled flooring in a large room is a trip hazard. Window egress for bedrooms appears likely but not verified from photos. No exposed wiring or broken handrails observed. Overall there are several code items that require verification and likely small repairs: functioning smoke/CO detectors, GFCI installs or replacement, and addressing trip hazards."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Listing states roof is ~5 years old and exterior photos show an intact roofline — good indicator. Ceiling vents and ceiling fans are visible indicating central HVAC ducting and registers, but operation and age of the system, water heater and electrical panel are not shown and must be verified. Plumbing fixtures are present and appear serviceable though dated; jetted tub exists in master (requires verification of safe operation). Because critical systems are present but unverified, this scores as moderate risk pending functional checks."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Street/front yard photos show a landscaped lot with a paved driveway and a fenced backyard. Brick/stone front appears intact; no visible major foundation settlement or roof collapse. Shrubs are overgrown against the house which could hide moisture issues and should be trimmed. Walkway and driveway appear serviceable. Overall exterior condition is acceptable with minor maintenance needed (landscaping, trim back vegetation, exterior cleaning)."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos — must be installed/verified before inspection.",
"No visible GFCI outlets in kitchen area (likely missing) — GFCI protection required near sinks.",
"Large area of bubbled/wrinkled flooring (blue covering) creates a trip hazard and will likely be cited.",
"Interior clutter and heavy furnishings present — could hide defects and create fire/egress hazards; unit should be cleared and cleaned prior to inspection."
],
"confidence": 0.6,
"assumptions": [
"Roof age (~5 years) stated in listing is accurate and roof is in good condition with no active leaks.",
"Central HVAC exists and vents seen in photos are connected to an operational heating/cooling system; operation not verified in photos.",
"Water heater and electrical panel are present and functional although not shown.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and are assumed not verified; they will need to be present and working for inspection.",
"Kitchen and bathroom plumbing fixtures function but are aged; no active leaks observed in photos.",
"Bedrooms have code-compliant egress windows (photos show windows but full egress functionality not confirmed).",
"New flooring purchased (per listing) is on-site but not yet installed; installation necessary to eliminate trip hazards and meet cleanliness standards.",
"No recent rental history in the last 5 years (per snapshot), so no bonus applied for rental_history_activity."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the house appears rentable with mostly cosmetic and minor-safety repairs. Major structural failures are not apparent in the photos. Primary corrective items before a Housing Choice Voucher (NSPIRE) inspection: secure/replace the loose/wrinkled flooring (trip hazard), install/verify hardwired or operable smoke detectors and CO alarms, add/verify GFCI protection in kitchen and bathrooms, perform a targeted cleaning and repair of dated bathroom/kitchen fixtures, and confirm HVAC, water heater, and electrical panel are functional and safe. With those fixes (and verification of detectors/GFCIs), the property has a good likelihood of passing initial inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior photos show generally intact finishes but noticeable deferred maintenance and cosmetic wear: worn/dirty kitchen cabinets and counters, older appliances, cluttered furnishings, and at least one large area of loose/wrinkled vinyl/linoleum flooring (major trip hazard). Listing notes new flooring purchased but not installed (positive). Bathrooms are dated and need cosmetic/caulk/grout work. These are mostly repair/finish items that are straightforward (flooring installation, cleaning, paint, cabinet touch-up, appliance servicing/replacement as desired). No visible major structural damage."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 55.0,
"rationale": "Photos do not show smoke detectors or CO alarms and no clearly visible GFCI receptacles near sinks. There is a significant trip hazard from the wrinkled blue flooring in a large living/bedroom area which is a safety code concern. Bedroom windows are present in photos but egress size cannot be confirmed. No exposed live wiring or collapsed ceilings visible. Fireplace and vents appear intact. Because smoke/CO detection and GFCI protection cannot be confirmed from images and the trip hazard is visible, this creates moderate NSPIRE risk until items are verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/electrical/plumbing)",
"score": 65.0,
"rationale": "Listing states roof is about 5 years old; exterior photos show no obvious roof failure. Interior ceiling registers indicate central HVAC (vents visible) — assumed present and likely functional but untested. Plumbing fixtures and tubs are present; no active leaks or water stains are visible in photos. Electrical panel, water heater, and furnace/AC equipment are not shown. Given age (1972) expect some components are older but likely serviceable; therefore moderate score pending verification and functional tests of HVAC, water heater, and electrical panel/GFCIs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front yard, driveway, and exterior walls appear intact and generally maintained. There is landscaping overgrowth that should be trimmed back from the house (shrubs near foundation could hide vents or invite pests). Listing indicates a private fenced backyard (not fully photographed). No visible standing water, major foundation displacement, or collapsed exterior elements observed. Overall the exterior condition looks acceptable with light site work recommended."
}
],
"red_flags": [
"Large loose/wrinkled floor covering in a main living/bedroom area — trip hazard and likely inspection fail until secured/replaced.",
"No visible smoke detectors or carbon monoxide alarms in photos — required for NSPIRE; must be installed/verified.",
"No visible GFCI protection around kitchen/bath sinks — may fail electrical safety checks if absent.",
"Clutter/furnishings may be concealing defects (outlets, holes, pest evidence); needs clearing for full inspection.",
"Aging bathroom fixtures and jetted tub require verification for safe operation and no hidden leaks."
],
"confidence": 0.7,
"assumptions": [
"Roof age (≈5 years) stated in listing is accurate and roof has no active leaks.",
"Central HVAC is present and vents visible indicate the system is functional or serviceable; no separate heating system required.",
"Utilities (electric, water, gas) are connected and operational; no signs of long-term vacancy.",
"No major foundation movement or structural issues exist beyond what is visible in photos (no sagging ceilings, large cracks, or bowing observed).",
"Clutter and furnishings are occupying spaces but are removable; obscured conditions (outlets, panels) are assumed typical for a 1972 house unless otherwise found.",
"New flooring purchased per listing will be installed; currently visible wrinkled floorcovering is assumed loose material rather than severe subfloor failure."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6505 Van Buren Rd, Jackson, MS, 39213",
"aggregate": {
"summary": "Property is generally habitable and likely can pass an initial Section 8/HCV inspection after addressing several moderate items: install/verify smoke and CO alarms, ensure required GFCI protection, install purchased flooring properly and repair/secure the loose floor covering, deep-clean and remove clutter, and confirm HVAC, water heater and electrical panel are safe/operational. No visible major structural failures, roof is recent per listing, and appliances are present. Expect minor-to-moderate work (cosmetic, safety devices, flooring) to reach rent-ready condition—typically within 2–6 weeks depending on verification of systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 66.7,
"rationale": "Interior appears lived-in but intact. Kitchen appliances (refrigerator, wall oven, dishwasher) are present though cabinets, tile grout, and surfaces show wear and dirt. Bathroom fixtures are older and vanity/tub areas show cosmetic wear. Listing states new flooring purchased but not installed — visible rippled/loose blue floor covering in one large room is a noticeable trip/cosmetic issue. Furnishings and clutter throughout will need removal/cleaning. These are mostly cosmetic/medium-effort repairs and a moderate flooring install; not structural. Missing/unfinished flooring reduces score moderately."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 76.7,
"rationale": "Exterior curb view shows a maintained single-story house with driveway, mailbox pillar and fenced yard. Landscaping is slightly overgrown but not structurally threatening. Yard and walkways appear usable; no standing water or obvious drainage failures visible. Fence and backyard are present per listing. Overall exterior shows routine maintenance needs only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos (likely required). Ceiling and walls appear intact with no visible collapse or major water intrusion. No exposed wiring observed in photos; ceiling fans and HVAC vents are present. Potential egress concern: at least one small/high window (bath area) may not meet bedroom egress if that room is used for sleeping — bedroom windows shown look typical but egress sizing not verifiable from photos. GFCI outlets and electrical panel are not visible. Loose/wrinkled flooring is a trip hazard. Overall there are moderate NSPIRE risks primarily from missing/uncertain life-safety devices (smoke/CO/GFCI) and flooring egress/trip concerns."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 63.3,
"rationale": "Listing states roof ~5 years old and exterior roof looks serviceable in photo. Ceiling vents and return grilles visible indicating central HVAC likely present; operational status not verified but presence lowers risk. No water heater or electrical panel photos to confirm. Plumbing fixtures are present in bathrooms and kitchen; functionality unverified but no visible major leaks or staining. No evidence of active roof leaks, collapsed ceilings, or major foundation issues in images. Because key systems (water heater, panel, HVAC operational tests) are unverified, score is moderate but acceptable."
}
],
"red_flags": [
"No visible smoke detectors or carbon-monoxide alarms in photos — life-safety devices may be missing.",
"Loose / wrinkled floor covering in large room (trip hazard) — potential immediate safety violation until secured or replaced.",
"Potential egress concern for at least one small/high window (bath area) that may not meet bedroom egress requirements if used as sleeping space.",
"Clutter and heavy furnishings throughout photos that conceal surfaces and systems and may hide issues (mold, damage, wiring)."
],
"confidence": 0.92,
"assumptions": [
"Utilities (electricity, water) are or can be turned on for testing; photos were taken with power on (ceiling fans/lights visible).",
"Listing statement that roof is ~5 years old is accurate and roof has no active leaks (no stains/roof damage visible inside).",
"Central HVAC exists and vents are functional (visible ceiling vents), but unit operation was not tested in photos.",
"Hot water system and electrical panel are present but were not shown/verified in images.",
"No active pest infestation or severe hidden mold is present; clutter may conceal minor issues.",
"Smoke and carbon monoxide detectors, as well as GFCI-protected outlets in wet areas, are either missing or not visible in provided photos and should be confirmed/installed.",
"New flooring purchased (per listing) is not yet installed — the wrinkled blue floor covering in photos is a temporary/old covering needing replacement or repair."
],
"score_method": "mean_of_criteria",
"overall_score": 64.6,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7825135870"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.