Property ID: 7917279322
4805 Maplewood Dr, Jackson, MS, 39206
Jackson, MS
Money Down: $24,000
CoC Return: 16.72%
Monthly Cash Flow: $334
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,000
Closing Costs
$4,000
Total Down
$24,000
Investment Snapshot
Purchase Price
$100,000
Money Down
$24,000
Cash-on-Cash Return
16.72%
Rent
$1,158
Monthly Cash Flow
$334
Annual Cash Flow
$4,013
Debt Service / Mo
$532
Property Tax / Mo
$132
Insurance / Mo
$43
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,158
Payment Standard
$1,530
Rent
$1,158
Insurance
$43
Property Tax
$132
Management
$116
Utilities Allowance
$372
NOI (Monthly)
$867
Debt Service
$532
Cash Flow After Debt
$334
Quality Score: 66.60%
Confidence: 84.00%
Overall this property appears rent-ready for Section 8 with primarily cosmetic exterior maintenance and age-related unknowns. Tenant-in-place and listing language asserting 'no rehab' plus recent rental history raise confidence that major safety or system failures are unlikely. Expected outcome: likely to pass an initial HCV/NSPIRE inspection with verification/installation of standard items (smoke/CO detectors, GFCI where required) and a quick interior check of appliances, HVAC, and plumbing. Allow 1–4 weeks to address minor items; moderate work unlikely.
Section 8 Payment Standard
$1,530
Utility Allowance Total
$372
Guaranteed Section 8 Rent (PS - Utilities)
$1,158
Property Management
$116
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$100,000
Beds
3
Baths
3
Living Area
1,800 sqft
Lot Size
9,148 sqft
Year Built
1950
Days on Market
22
Capital Outlay
$24,000
Debt Service
$532
Property Tax / Mo
$132
Insurance / Mo
$43
Property Description
INVESTOR ALERT! CASH BONANZA EXCELLENT CASH FLOW WITH TENANT IN PLACE *NO DELAYS *NO REHAB BUY AND HOLD FOR PORTFOLIO /ANCHOR HOUSE
Utility Allowances
Heating
$50
Selected 'Electric' for Heating. The property has central heating, and while the fuel type is not specified, 'Electric Range' is listed, and 'Electricity Available' is mentioned, with no reference to natural gas. Electric is the most reasonable assumption.
Cooking
$11
Selected 'Electric' for Cooking as property data explicitly lists 'Electric Range' under appliances.
Water Heating
$29
Selected 'Electric' for Water Heating. Consistent with other electric appliances (range) and the absence of any mention of gas utilities.
Air Conditioning
$12
Property includes 'Central Air' cooling.
Other Electric
$69
Standard allowance for general electricity usage in a residential unit.
Water
$104
Property is connected to a 'Public' water source.
Sewer
$60
Property is connected to a 'Public Sewer' system.
Trash Collection
$37
Trash collection is a standard utility for a single-family home and is assumed to be a tenant responsibility.
Refrigerator
$0
The allowance is $0 because the property data indicates a Refrigerator is included, meaning it is landlord-provided.
Range/Microwave
$0
The allowance is $0 because the property data indicates an 'Electric Range' is included, meaning it is landlord-provided.
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$426
DP3 Annual Estimate$612
DP1 Monthly Equivalent$36
DP3 Monthly Equivalent$51
Replacement Value$28,250
Basis1,800 sqft / 1950
Nearby Houses
Photo unavailable
4801 Maplewood Dr
sold · 0.01 mi
Price: $63,840
3 bd / 1 ba · 1,120 sqft
Latest sale: — on Jan 24, 2025
Latest rent: $850 on Aug 06, 2018
Photo unavailable
4806 Maplewood Dr
off_market · 0.03 mi
Price: $51,300
2 bd / 1 ba · 1,014 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4826 Woodmont Dr
for_sale · 0.03 mi
Price: $135,000
3 bd / 2 ba · 1,280 sqft
Latest sale: — on May 10, 2024
Latest rent: $1,400 on Feb 05, 2026
Photo unavailable
4832 Woodmont Dr
for_sale · 0.04 mi
Price: $139,000
3 bd / 2 ba · 1,445 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4816 Maplewood Dr
sold · 0.05 mi
Price: $76,720
3 bd / 2 ba · 1,510 sqft
Latest sale: — on Dec 18, 2025
Latest rent: $1,350 on Jan 21, 2026
Photo unavailable
4822 Maplewood Dr
sold · 0.06 mi
Price: $69,900
2 bd / 1 ba · 1,155 sqft
Latest sale: — on Oct 27, 2023
Latest rent: —
Photo unavailable
4803 Sheridan Dr
off_market · 0.06 mi
Price: $59,500
3 bd / 2 ba · 1,495 sqft
Latest sale: —
Latest rent: —
Photo unavailable
349 Broadmoor Dr
sold · 0.06 mi
Price: $75,000
3 bd / 2 ba · 1,698 sqft
Latest sale: — on Mar 22, 2024
Latest rent: $1,195 on May 16, 2023
Photo unavailable
357 Broadmoor Dr
sold · 0.07 mi
Price: $59,000
3 bd / 2 ba · 1,698 sqft
Latest sale: — on Sep 14, 2023
Latest rent: $1,250 on Apr 19, 2023
Photo unavailable
235 Broadmoor Dr
sold · 0.07 mi
Price: $30,000
2 bd / 1 ba · 1,112 sqft
Latest sale: — on Sep 28, 2023
Latest rent: $900 on May 09, 2024
Photo unavailable
316 Robinhood Rd
sold · 0.07 mi
Price: $61,000
4 bd / 2 ba · 1,725 sqft
Latest sale: — on Mar 16, 2023
Latest rent: $925 on Jul 02, 2018
Photo unavailable
4835 Maplewood Dr
sold · 0.07 mi
Price: $21,900
3 bd / 1 ba · 1,392 sqft
Latest sale: — on Dec 18, 2023
Latest rent: $1,100 on Apr 24, 2025
Photo unavailable
227 Broadmoor Dr
sold · 0.08 mi
Price: $99,000
3 bd / 1 ba · 1,184 sqft
Latest sale: — on Nov 10, 2023
Latest rent: $1,145 on Dec 11, 2025
Photo unavailable
408 Robinhood Rd
sold · 0.09 mi
Price: $75,000
4 bd / 3 ba · 2,112 sqft
Latest sale: — on May 30, 2025
Latest rent: $1,750 on Aug 20, 2025
Photo unavailable
212 Robinhood Rd
sold · 0.10 mi
Price: $39,900
4 bd / 2 ba · 1,170 sqft
Latest sale: — on Jan 12, 2024
Latest rent: $1,400 on Mar 29, 2024
Photo unavailable
4839 Sheridan Dr
sold · 0.10 mi
Price: $49,500
3 bd / 1 ba · 1,254 sqft
Latest sale: — on Nov 13, 2023
Latest rent: $1,350 on Oct 22, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Only a single exterior front photo and the listing snapshot were provided; interior, mechanical rooms, and electrical panel were not shown.
- Tenant in place and 'no rehab' description imply functioning basic systems (heat/AC, water heater, plumbing) but age of house (built 1950) increases replacement risk over coming years.
- Standard safety devices (smoke detectors, CO detector where required) are likely present but not confirmed and should be verified during inspection.
- Kitchen appliances (stove/refrigerator) and GFCI outlets are not visible; their presence/function is assumed but must be checked. Missing appliances would moderately reduce tenant readiness but are not treated as catastrophic here.
- Front steps appear to have no handrail; assumed to be fewer than the number of risers that would trigger a code-required handrail in many jurisdictions, but this must be verified locally.
- No signs of active roof leaks, structural sagging, or major foundation movement were visible in the provided image; absence of these conditions is assumed unless discovered on interior inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,541 | $53,150 | $7,973 |
| 2023 | $1,533 | $53,150 | $7,973 |
| 2021 | $1,534 | $53,150 | $7,973 |
| 2020 | $1,518 | $52,910 | $7,937 |
| 2019 | $1,519 | $52,910 | $7,937 |
| 2018 | $1,502 | $52,910 | $7,937 |
| 2017 | $1,503 | $52,910 | $7,937 |
| 2016 | $1,463 | $52,910 | $7,937 |
| 2015 | $1,393 | $51,900 | $7,785 |
| 2014 | $1,391 | $51,900 | $7,785 |
| 2013 | $1,353 | $51,900 | $7,785 |
| 2012 | $1,318 | $50,560 | $7,584 |
| 2011 | $1,239 | $48,230 | $7,235 |
| 2009 | $1,232 | $48,230 | $7,235 |
| 2008 | $144 | $35,640 | $3,564 |
| 2007 | $144 | $35,640 | $3,564 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-07-09 | Sold | — |
| 2019-05-13 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-03-05 | Listed for rent | $1,600 | — |
| 2025-02-04 | Listed for rent | $1,600 | — |
| 2024-07-13 | Listed for rent | $1,600 | — |
| 2019-01-08 | Listed for rent | $925 | — |
| 2015-02-09 | Listed for rent | $925 | — |
| 2012-01-04 | Listed for rent | $900 | — |
Photo Gallery
Show raw JSON (debug)
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"status": "off_market",
"list_date": "2010-08-07T00:15:00Z",
"list_price": 79900,
"listing_id": "521744483",
"last_update_date": "2011-04-05T16:58:00Z",
"last_status_change_date": "2011-04-05T16:58:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "222653",
"price_change_percentage": null
},
{
"date": "2011-01-08",
"price": 84900,
"listing": {
"status": "off_market",
"list_date": "2010-08-07T00:15:00Z",
"list_price": 79900,
"listing_id": "521744483",
"last_update_date": "2011-04-05T16:58:00Z",
"last_status_change_date": "2011-04-05T16:58:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 12000,
"days_after_listed": null,
"source_listing_id": "222653",
"price_change_percentage": null
},
{
"date": "2010-11-02",
"price": 72900,
"listing": {
"status": "off_market",
"list_date": "2010-08-07T00:15:00Z",
"list_price": 79900,
"listing_id": "521744483",
"last_update_date": "2011-04-05T16:58:00Z",
"last_status_change_date": "2011-04-05T16:58:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "88 days",
"source_listing_id": "222653",
"price_change_percentage": null
},
{
"date": "2010-09-24",
"price": 72900,
"listing": {
"status": "off_market",
"list_date": "2010-08-07T00:15:00Z",
"list_price": 79900,
"listing_id": "521744483",
"last_update_date": "2011-04-05T16:58:00Z",
"last_status_change_date": "2011-04-05T16:58:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -7000,
"days_after_listed": null,
"source_listing_id": "222653",
"price_change_percentage": null
},
{
"date": "2010-09-20",
"price": 79900,
"listing": {
"status": "off_market",
"list_date": "2010-08-07T00:15:00Z",
"list_price": 79900,
"listing_id": "521744483",
"last_update_date": "2011-04-05T16:58:00Z",
"last_status_change_date": "2011-04-05T16:58:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "222653",
"price_change_percentage": null
},
{
"date": "2010-08-06",
"price": 84900,
"listing": {
"status": "off_market",
"list_date": "2010-08-07T00:15:00Z",
"list_price": 79900,
"listing_id": "521744483",
"last_update_date": "2011-04-05T16:58:00Z",
"last_status_change_date": "2011-04-05T16:58:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "222653",
"price_change_percentage": null
},
{
"date": "2010-02-16",
"price": 26100,
"listing": {
"status": "off_market",
"list_date": "2009-12-09T22:19:00Z",
"list_price": 26100,
"listing_id": "513883375",
"last_update_date": "2010-02-16T16:56:00Z",
"last_status_change_date": "2010-02-16T16:56:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "69 days",
"source_listing_id": "213910",
"price_change_percentage": null
},
{
"date": "2010-02-13",
"price": 26100,
"listing": {
"status": "off_market",
"list_date": "2009-12-09T22:19:00Z",
"list_price": 26100,
"listing_id": "513883375",
"last_update_date": "2010-02-16T16:56:00Z",
"last_status_change_date": "2010-02-16T16:56:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": -2900,
"days_after_listed": null,
"source_listing_id": "213910",
"price_change_percentage": null
},
{
"date": "2009-12-09",
"price": 29000,
"listing": {
"status": "off_market",
"list_date": "2009-12-09T22:19:00Z",
"list_price": 26100,
"listing_id": "513883375",
"last_update_date": "2010-02-16T16:56:00Z",
"last_status_change_date": "2010-02-16T16:56:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "213910",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7917279322",
"generated_at": "2026-02-16T22:57:54.177822Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.6
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/2461386c4392e0d5a2d07dd3aecdbb51l-m989307489s-w1280.jpg",
"rent_price": 1158.0,
"loan_amount": 80000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4805-Maplewood-Dr_Jackson_MS_39206_M79172-79322",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 100000.0,
"loan_term_years": 30,
"annual_cash_flow": 10400.17,
"mortgage_monthly": 532.24,
"payment_standard": 1530.0,
"total_amount_out": 20000.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 43.25,
"monthly_cash_flow": 866.68,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Selected 'Electric' for Heating. The property has central heating, and while the fuel type is not specified, 'Electric Range' is listed, and 'Electricity Available' is mentioned, with no reference to natural gas. Electric is the most reasonable assumption.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Selected 'Electric' for Cooking as property data explicitly lists 'Electric Range' under appliances.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'Electric' for Water Heating. Consistent with other electric appliances (range) and the absence of any mention of gas utilities.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "Property includes 'Central Air' cooling.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Standard allowance for general electricity usage in a residential unit.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property is connected to a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Property is connected to a 'Public Sewer' system.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Trash collection is a standard utility for a single-family home and is assumed to be a tenant responsibility.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The allowance is $0 because the property data indicates a Refrigerator is included, meaning it is landlord-provided.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The allowance is $0 because the property data indicates an 'Electric Range' is included, meaning it is landlord-provided.",
"utility": "Range/Microwave",
"allowance": 0
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 20000.0,
"property_tax_annual": 1587.23,
"property_tax_monthly": 132.27,
"property_tax_increase": 0.03,
"utility_allowance_total": 372.0,
"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": 4013.27,
"property_management_monthly": 115.8,
"monthly_cash_flow_after_debt": 334.44,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this property appears rent-ready for Section 8 with primarily cosmetic exterior maintenance and age-related unknowns. Tenant-in-place and listing language asserting 'no rehab' plus recent rental history raise confidence that major safety or system failures are unlikely. Expected outcome: likely to pass an initial HCV/NSPIRE inspection with verification/installation of standard items (smoke/CO detectors, GFCI where required) and a quick interior check of appliances, HVAC, and plumbing. Allow 1–4 weeks to address minor items; moderate work unlikely.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Front exterior photo shows intact structure with cosmetic wear: faded/chipped paint, leaf-covered yard, and older trim/shutters. No broken windows or obvious boarded openings. Listing states 'NO REHAB' and tenant in place which supports reasonable interior upkeep. Because interior photos are not provided, missing/aged interior finishes or appliances are possible but not evident from the exterior. Overall this looks like minor-to-moderate cosmetic work rather than major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risks",
"score": 70.0,
"rationale": "No obvious life‑threatening exterior hazards: no visible sagging roof, collapsed ceilings, or standing water. The front entry has a metal security door and appears secure. There is no visible exposed wiring from the photo. However smoke/CO detectors, GFCI protection, bedroom egress, interior handrails, electrical panel condition and plumbing fixtures cannot be confirmed from the exterior photo. Absence of visible handrail at small front steps is noted but likely not a code-failing condition unless steps exceed local threshold. Given tenant-occupied status and listing claim of 'no rehab', assume basic safety devices are present but must be verified."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 65.0,
"rationale": "Roof shingles appear aging but intact in the provided photo — no visible active leaks or large missing areas. House built in 1950 so systems may be original/older; however tenant occupancy and marketing as 'no rehab' suggest systems are functioning. HVAC, water heater, plumbing, and electrical condition are not visible; score reduced for age-related risk and unknowns despite no visible external evidence of failure."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard condition",
"score": 70.0,
"rationale": "Siding and foundation vents are visible and appear serviceable. Yard shows leaf accumulation and minimal landscaping; driveway/carport present but only partially visible. No signs of large foundation cracks, major drainage ponding, or infestation from the photo. Some maintenance (gutters/landscaping/paint) is likely needed."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Only a single exterior front photo and the listing snapshot were provided; interior, mechanical rooms, and electrical panel were not shown.",
"Tenant in place and 'no rehab' description imply functioning basic systems (heat/AC, water heater, plumbing) but age of house (built 1950) increases replacement risk over coming years.",
"Standard safety devices (smoke detectors, CO detector where required) are likely present but not confirmed and should be verified during inspection.",
"Kitchen appliances (stove/refrigerator) and GFCI outlets are not visible; their presence/function is assumed but must be checked. Missing appliances would moderately reduce tenant readiness but are not treated as catastrophic here.",
"Front steps appear to have no handrail; assumed to be fewer than the number of risers that would trigger a code-required handrail in many jurisdictions, but this must be verified locally.",
"No signs of active roof leaks, structural sagging, or major foundation movement were visible in the provided image; absence of these conditions is assumed unless discovered on interior inspection."
],
"overall_score": 75.0,
"rubric_version": "nsprite-2026-1"
},
{
"summary": "Based on the single exterior photo, listing text, and rental history, the property appears to be in generally serviceable condition with primarily cosmetic exterior needs and a likely functional structure. Major interior safety and system items (smoke/CO detectors, GFCI, egress, HVAC, water heater, electrical panel) are unverified from the photo and represent moderate NSPIRE inspection risk. The presence of recent rental history and tenant in place raises confidence that major systems are operational, but an interior inspection is required to confirm compliance. Overall, likely rent-ready with minor repairs and verification within 1-4 weeks, but expect at least a moderate pre-inspection checklist to confirm detectors, egress, and mechanicals before a Housing Choice Voucher inspection pass.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 70.0,
"rationale": "Exterior photo shows mostly intact siding and trim with cosmetic wear and faded paint consistent with a 1950 build. Front steps and entry appear functional; no collapsed porches or visible severe rot. Yard has leaf litter and minor debris. Interior condition, finishes, flooring, cabinets, and appliances are not shown. Listing states 'tenant in place / no rehab' which suggests habitability but does not confirm appliance condition. Missing or older windows and likely cosmetic updates reduce score modestly. Overall assessment: primarily cosmetic and minor repair needs, not major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Critical safety items cannot be confirmed from the single exterior photo. Positive: entry has a metal/security door visible, foundation vents present (crawlspace access). Unknown/Not visible: smoke and carbon monoxide detectors, GFCI outlets, electrical panel condition, water intrusion evidence, bedroom egress windows, handrail presence on steps, interior mold or peeling paint. Age (1950) raises lead-paint risk. No visible exposed wiring or collapsed ceilings from the photo. Due to many unverified but required items for NSPIRE, this is a moderate inspection risk that will require interior verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 60.0,
"rationale": "Roof shingles visible in photo appear intact from a distance with no obvious sagging or large missing sections, suggesting no acute roof failure. No exterior HVAC condenser or HVAC equipment is visible from the photo (could be located elsewhere). Electrical panel, water heater, plumbing fixtures, and drainage cannot be verified. The property's tenant-occupied listing and 'no rehab' marketing suggest systems are operational, but age of home implies systems may be older and should be inspected. Given uncertainty, score indicates likely functional but unverified systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Yard shows leaf accumulation and mature trees close to the structure that could contribute to roof and gutter debris; recommend trimming. Siding and shutters appear intact; carport structure visible and seemingly serviceable. Walkway and driveway are not fully shown; no visible standing water or severe drainage failures in photo. Foundation vents indicate crawlspace; no obvious major foundation cracking or slope visible from provided view. Overall, site is serviceable but needs routine exterior maintenance."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Potential lead-based paint risk due to original construction year (1950) — pre-1978 property requires lead-risk awareness and inspection where applicable.",
"Interior safety items unverified: presence and functionality of smoke/CO detectors, GFCI, and bedroom egress unknown (will often cause inspection failure if missing).",
"No interior photos or system photos (electrical panel, HVAC, water heater) provided — inability to confirm vital systems increases inspection-risk."
],
"confidence": 0.6,
"assumptions": [
"Interior condition (floors, walls, ceilings, appliances) is serviceable or only needs minor cosmetic repairs—claim supported by listing 'tenant in place / no rehab'.",
"Smoke and carbon monoxide detectors, GFCI outlets, and functioning plumbing/heating are present but unverified; these must be confirmed during interior inspection.",
"No visible roof sagging or major water intrusion from exterior photo; roof is assumed intact but should be inspected more closely.",
"HVAC and water heater are present and operational though not visible in the photo; assumed due to active tenancy.",
"No active pest infestation or major mold is present, as none is visible from exterior photo, but interior inspection required to confirm.",
"Windows provide required egress in bedrooms; this is unverified from the exterior photo."
],
"overall_score": 67.0,
"rubric_version": "2026-02-hud-nspire-v1"
},
{
"summary": "Based on the exterior photo, listing text and rental history, this property appears generally rent-ready for Section 8 with minor-to-moderate work likely required. The tenant-in-place and listing claim of 'NO REHAB' support operability of major systems, but the 1950 construction, aged roof shingles, lack of visible front handrail, and proximity of large trees are notable risks to verify. Key interior safety items (smoke/CO alarms, GFCI, egress windows, deadbolts) are not documented and must be confirmed; these are common initial inspection blockers. Overall likelihood of passing an initial HCV/NSPIRE inspection is moderate-to-good provided standard safety devices are present and the roof/HVAC are functioning.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Exterior visible in photo shows intact siding and paint but aged finishes, leaf/debris-covered yard and older windows/trim consistent with a 1950 build. Listing states 'NO REHAB' and tenant in place which supports modest interior condition; however age implies likely cosmetic updates and possible replacement of dated fixtures, flooring or kitchen/bath components. Missing interior photos prevent appliance verification; missing fridge/stove would reduce readiness moderately but not catastrophically. Overall this appears rentable with minor-to-moderate cosmetic work (patch/paint, cleaning, minor carpentry)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No visible life‑threatening hazards in exterior photo: no roof sag, no collapsed elements, no standing water. However front entry steps show no visible handrail (potential stair safety code issue). Overhanging mature trees increase risk of roof debris/blocked gutters. Built in 1950 — lead-based paint hazard potential to consider for Section 8/NSPIRE (requires disclosure/mitigation if present). Interior safety items (smoke/CO detectors, GFCI, egress windows, deadbolt presence, exposed wiring) are not visible in the provided materials and must be confirmed; tenant-occupied status makes basic safety devices more likely, but verification required. Overall low-to-moderate code risk given exterior condition but several inspection items need confirmation."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.0,
"rationale": "Roof appears intact from the single exterior view but shingles look aged — likely serviceable short-term but may need near-term replacement. No exterior HVAC condenser is visible in the photo (could be located elsewhere or use window units); electrical panel, water heater and plumbing condition are unverified. Tenant-in-place and listing claiming 'NO REHAB' suggest systems are functioning now, but age (1950) implies older systems and a higher probability of upcoming maintenance (electrical, plumbing, HVAC efficiency). Recommend inspection/servicer verification prior to acceptance."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Yard is overgrown with leaves and some low-maintenance vegetation; driveway/carport visible and intact. Foundation vents visible and perimeter grade appears reasonable from photo (no obvious erosion or wide foundation cracks seen). Mature trees close to house pose debris/roof risk and potential root issues long-term. No visible pest infestation, significant siding damage, or major drainage failure from provided image."
},
{
"key": "rental_history_activity",
"label": "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": [
"Missing/absent front-step handrail (stair safety hazard and likely NSPIRE deficiency).",
"Aging roof shingles with nearby overhanging trees (increased risk of debris, gutter blockage, roof damage).",
"Property built 1950 — potential lead-based paint hazards and required disclosures/mitigation for Section 8 (no peeling paint observed externally but age alone triggers lead-risk protocol).",
"Interior safety items (smoke/CO detectors, GFCI, bedroom egress) not confirmed — could be inspection blockers."
],
"confidence": 0.6,
"assumptions": [
"Interior condition is reasonable and largely intact because the listing states 'NO REHAB' and tenant is currently in place.",
"Basic utilities (electricity, water, hot water, heating/cooling) are functioning at time of assessment due to active tenancy, but their exact condition/age is unknown.",
"Appliances (stove, refrigerator, washer/dryer) are not shown; absence would reduce readiness modestly but are not treated as catastrophic failures in scoring.",
"Smoke and carbon monoxide detectors, GFCI protection in kitchen/baths, and proper egress windows are not visible from provided materials and therefore treated as unconfirmed — verification required prior to leasing.",
"No interior evidence of severe mold, active leaks, structural sagging or collapsed elements—if present internally, scores would drop significantly; none are visible externally."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4805 Maplewood Dr, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall this property appears rent-ready for Section 8 with primarily cosmetic exterior maintenance and age-related unknowns. Tenant-in-place and listing language asserting 'no rehab' plus recent rental history raise confidence that major safety or system failures are unlikely. Expected outcome: likely to pass an initial HCV/NSPIRE inspection with verification/installation of standard items (smoke/CO detectors, GFCI where required) and a quick interior check of appliances, HVAC, and plumbing. Allow 1–4 weeks to address minor items; moderate work unlikely.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 71.0,
"rationale": "Front exterior photo shows intact structure with cosmetic wear: faded/chipped paint, leaf-covered yard, and older trim/shutters. No broken windows or obvious boarded openings. Listing states 'NO REHAB' and tenant in place which supports reasonable interior upkeep. Because interior photos are not provided, missing/aged interior finishes or appliances are possible but not evident from the exterior. Overall this looks like minor-to-moderate cosmetic work rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard condition",
"score": 70.0,
"rationale": "Siding and foundation vents are visible and appear serviceable. Yard shows leaf accumulation and minimal landscaping; driveway/carport present but only partially visible. No signs of large foundation cracks, major drainage ponding, or infestation from the photo. Some maintenance (gutters/landscaping/paint) is likely needed."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (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 and code risks",
"score": 63.3,
"rationale": "No obvious life‑threatening exterior hazards: no visible sagging roof, collapsed ceilings, or standing water. The front entry has a metal security door and appears secure. There is no visible exposed wiring from the photo. However smoke/CO detectors, GFCI protection, bedroom egress, interior handrails, electrical panel condition and plumbing fixtures cannot be confirmed from the exterior photo. Absence of visible handrail at small front steps is noted but likely not a code-failing condition unless steps exceed local threshold. Given tenant-occupied status and listing claim of 'no rehab', assume basic safety devices are present but must be verified."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 61.7,
"rationale": "Roof shingles appear aging but intact in the provided photo — no visible active leaks or large missing areas. House built in 1950 so systems may be original/older; however tenant occupancy and marketing as 'no rehab' suggest systems are functioning. HVAC, water heater, plumbing, and electrical condition are not visible; score reduced for age-related risk and unknowns despite no visible external evidence of failure."
}
],
"red_flags": [],
"confidence": 0.84,
"assumptions": [
"Only a single exterior front photo and the listing snapshot were provided; interior, mechanical rooms, and electrical panel were not shown.",
"Tenant in place and 'no rehab' description imply functioning basic systems (heat/AC, water heater, plumbing) but age of house (built 1950) increases replacement risk over coming years.",
"Standard safety devices (smoke detectors, CO detector where required) are likely present but not confirmed and should be verified during inspection.",
"Kitchen appliances (stove/refrigerator) and GFCI outlets are not visible; their presence/function is assumed but must be checked. Missing appliances would moderately reduce tenant readiness but are not treated as catastrophic here.",
"Front steps appear to have no handrail; assumed to be fewer than the number of risers that would trigger a code-required handrail in many jurisdictions, but this must be verified locally.",
"No signs of active roof leaks, structural sagging, or major foundation movement were visible in the provided image; absence of these conditions is assumed unless discovered on interior inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 66.6,
"rubric_version": "nsprite-2026-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7917279322"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.