Property ID: 7975415994
439 W Cedar St, Durant, MS, 39063
Durant, MS
Money Down: $20,400
CoC Return: 24.92%
Monthly Cash Flow: $424
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
24.92%
Rent
$1,058
Monthly Cash Flow
$424
Annual Cash Flow
$5,084
Debt Service / Mo
$452
Property Tax / Mo
$40
Insurance / Mo
$36
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,058
Payment Standard
$1,300
Rent
$1,058
Insurance
$36
Property Tax
$40
Management
$106
Utilities Allowance
$242
NOI (Monthly)
$876
Debt Service
$452
Cash Flow After Debt
$424
Quality Score: 70.10%
Confidence: 95.00%
This is a mostly serviceable single-family home with functioning major systems (listed recently replaced HVAC and water heater) and working kitchen appliances. Visible issues are largely cosmetic and maintenance-related (paneling, ceiling texture/discoloration, driveway/walkway cracks, yard clutter). Primary inspection risks for an initial NSPIRE/Section 8 inspection are lack of visible smoke/CO detectors, potential lead-paint considerations (built 1977), unclear bedroom egress, and some exterior electrical/service wiring that should be checked. With installation of required detectors, minor repairs (patch/paint ceilings, address walkway trip hazards) and verification of mechanical system documentation, the property is likely rentable within 2–4 weeks to meet Section 8 standards.
Section 8 Payment Standard
$1,300
Utility Allowance Total
$242
Guaranteed Section 8 Rent (PS - Utilities)
$1,058
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
3
Baths
2
Living Area
1,216 sqft
Lot Size
6,534 sqft
Year Built
1977
Days on Market
76
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$40
Insurance / Mo
$36
Property Description
Solid home within 25 minute drive to Amazon and Nissan plant. Three bedrooms/2 bath home with garage enclosed for additional space. Air/heating unit is one year old, metal roof is in great condition with no issues, water heater replaced recently...all systems are ''GO''. There are several storage buildings in the back yard with electricity - perfect for workshop. Make homeownership possible this year...Call today for YOUR showing!
Utility Allowances
Heating
$35
Selected Natural Gas as the property info indicates 'Natural Gas Connected'. This is the most common and cost-effective option for a single-family home with this connection.
Cooking
$13
Selected Natural Gas as the property info indicates 'Natural Gas Connected', making it the most likely fuel source for cooking.
Water Heating
$30
Selected Natural Gas as the property info indicates 'Natural Gas Connected', making it the logical choice for water heating.
Air Conditioning
$13
The property has 'Central Air', which is an electric utility covered by this allowance.
Other Electric
$69
This is a standard baseline for general electric use (lights, outlets) in a home of this size.
Water
$35
The property info specifies 'Public' water source.
Sewer
$21
The property info specifies 'Public Sewer'.
Trash Collection
$19
Trash collection is a standard utility for a single-family detached home.
Refrigerator
$4
The property info does not explicitly state that a refrigerator is provided, so it is assumed to be tenant-owned per the rules.
Range/Microwave
$3
The property info does not explicitly state that a range or microwave is provided, so it is assumed to be tenant-owned per the 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$428
DP3 Annual Estimate$448
DP1 Monthly Equivalent$36
DP3 Monthly Equivalent$37
Replacement Value$32,939
Basis1,216 sqft / 1977
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Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in interior photos (required).
- Potential lead-based paint hazard (property built 1977 — pre-1978) requiring disclosure and possible mitigation for assisted tenants.
- Ceiling discoloration/staining in multiple photos — possible past/active water intrusion requiring verification.
- Exterior electrical/service wiring cluster visible at rear; condition should be verified to rule out unsafe or unsecured wiring.
- Front walkway/driveway shows cracking/uneven surfaces that present trip hazards.
Assumptions
- Seller listing is accurate: HVAC installed ~1 year ago and water heater recently replaced; those systems are operational.
- No smoke or CO detectors were visible in photos; assume none or not in required locations unless provided during final inspection.
- Bedrooms have windows but egress compliance cannot be confirmed from photos; assume at least one bedroom may meet egress but treat as unverified.
- Electrical service and meter at rear appear intact; assume interior electrical panel is standard and not showing obvious hazards since not photographed.
- Ceiling discoloration indicates past water staining but no active leak is visible in photos; assume repair may be cosmetic unless inspector finds active moisture.
- Storage buildings in backyard have electrical connections per listing; assume they are functional but should be tested and verified for safety.
- No rental history within 5 years (per snapshot), so rental history did not affect scoring.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2009 | $462 | $29,584 | $2,958 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-03 | Price Changed | $85,000 |
| 2025-12-02 | Listed | $87,999 |
Photo Gallery
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"last_update_date": "2026-02-03T09:01:30Z",
"last_status_change_date": "2025-12-02T18:37:33Z"
},
"event_name": "Listed",
"price_sqft": 72.36759868421052,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4132963",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "7975415994",
"generated_at": "2026-02-16T22:18:48.393525Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 70.1
},
"utility_allowance": {
"zip_code": "39063",
"home_photo": "https://ap.rdcpix.com/af1ca0c9a4eb762bfc7435be2ef40432l-m2131477731s-w1280.jpg",
"rent_price": 1058.0,
"loan_amount": 68000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/439-W-Cedar-St_Durant_MS_39063_M79754-15994",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 85000.0,
"loan_term_years": 30,
"annual_cash_flow": 10512.54,
"mortgage_monthly": 452.41,
"payment_standard": 1300.0,
"total_amount_out": 17000.0,
"additional_photos": [
"https://ap.rdcpix.com/af1ca0c9a4eb762bfc7435be2ef40432l-m2933587697s-w1280.jpg",
"https://ap.rdcpix.com/af1ca0c9a4eb762bfc7435be2ef40432l-m1270568530s-w1280.jpg",
"https://ap.rdcpix.com/af1ca0c9a4eb762bfc7435be2ef40432l-m1616648928s-w1280.jpg",
"https://ap.rdcpix.com/af1ca0c9a4eb762bfc7435be2ef40432l-m3157451964s-w1280.jpg",
"https://ap.rdcpix.com/af1ca0c9a4eb762bfc7435be2ef40432l-m2237151802s-w1280.jpg",
"https://ap.rdcpix.com/af1ca0c9a4eb762bfc7435be2ef40432l-m2104505032s-w1280.jpg",
"https://ap.rdcpix.com/af1ca0c9a4eb762bfc7435be2ef40432l-m3319667502s-w1280.jpg",
"https://ap.rdcpix.com/af1ca0c9a4eb762bfc7435be2ef40432l-m651841230s-w1280.jpg",
"https://ap.rdcpix.com/af1ca0c9a4eb762bfc7435be2ef40432l-m3511317542s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 36.5,
"monthly_cash_flow": 876.05,
"property_tax_rate": 0.0097,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Non%20Metro%20Single%20Family%20Detached.pdf"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Selected Natural Gas as the property info indicates 'Natural Gas Connected'. This is the most common and cost-effective option for a single-family home with this connection.",
"utility": "Heating",
"allowance": 35
},
{
"note": "Selected Natural Gas as the property info indicates 'Natural Gas Connected', making it the most likely fuel source for cooking.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Selected Natural Gas as the property info indicates 'Natural Gas Connected', making it the logical choice for water heating.",
"utility": "Water Heating",
"allowance": 30
},
{
"note": "The property has 'Central Air', which is an electric utility covered by this allowance.",
"utility": "Air Conditioning",
"allowance": 13
},
{
"note": "This is a standard baseline for general electric use (lights, outlets) in a home of this size.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "The property info specifies 'Public' water source.",
"utility": "Water",
"allowance": 35
},
{
"note": "The property info specifies 'Public Sewer'.",
"utility": "Sewer",
"allowance": 21
},
{
"note": "Trash collection is a standard utility for a single-family detached home.",
"utility": "Trash Collection",
"allowance": 19
},
{
"note": "The property info does not explicitly state that a refrigerator is provided, so it is assumed to be tenant-owned per the rules.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property info does not explicitly state that a range or microwave is provided, so it is assumed to be tenant-owned per the rules.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.62,
"down_payment_amount": 17000.0,
"property_tax_annual": 475.86,
"property_tax_monthly": 39.66,
"property_tax_increase": 0.03,
"utility_allowance_total": 242.0,
"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/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2009,
"annual_cash_flow_after_debt": 5083.67,
"property_management_monthly": 105.8,
"monthly_cash_flow_after_debt": 423.64,
"cash_on_cash_return_after_debt": 0.3
},
"section8_assessment": {
"runs": [
{
"summary": "This is a mostly serviceable single-family home with functioning major systems (listed recently replaced HVAC and water heater) and working kitchen appliances. Visible issues are largely cosmetic and maintenance-related (paneling, ceiling texture/discoloration, driveway/walkway cracks, yard clutter). Primary inspection risks for an initial NSPIRE/Section 8 inspection are lack of visible smoke/CO detectors, potential lead-paint considerations (built 1977), unclear bedroom egress, and some exterior electrical/service wiring that should be checked. With installation of required detectors, minor repairs (patch/paint ceilings, address walkway trip hazards) and verification of mechanical system documentation, the property is likely rentable within 2–4 weeks to meet Section 8 standards.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior appears lived-in but generally maintained. Kitchen has functioning major appliances (range, refrigerator, dishwasher) and newer-looking vinyl plank flooring in kitchen; living areas show carpet in usable condition. Cosmetic deferred items include dated wood paneling, textured/popcorn ceilings with some visible discoloration/staining, and cracked/uneven sections of the front walkway/driveway. Enclosed garage converted to living space may need code review but photos show it in use. No large visible structural failures. Missing minor cosmetic fixes and possibly ceiling patch/paint work — easy-to-fix capital items."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Safety risks moderate. No smoke or carbon monoxide detectors are visible in the provided interior photos (likely required). Bedroom egress windows are not shown — inability to confirm egress reduces score. Entry door appears to have a deadbolt/lock set (photo ambiguous). Kitchen sink and appliances present but there's no visible GFCI near sink (not confirmed). Ceiling discoloration could indicate previous or potential water intrusion; no active ceiling collapse seen. Exterior electrical/mechanical cluster and multiple wires are visible at rear exterior — appears intact but should be inspected. Property built in 1977 (pre-1978) creates potential lead-based paint risk that requires disclosure/clearance for federal assisted tenants if original paint remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 80.0,
"rationale": "Listing states HVAC is one year old and a recent water heater replacement; photos show ceiling HVAC vents and no visible duct failure. Metal roof appears intact and listing claims 'no issues' — exterior photos support a sound roof condition. Electrical meter and service present at exterior; condition appears typical though internal panel was not photographed. Plumbing fixtures appear functional (kitchen sink) and appliances are in place. Overall major systems likely operational but require verification paperwork or on-site testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick front and metal roof present and in apparently good condition. Yard is fenced with multiple outbuildings (with electricity per listing) which is an amenity but the backyard shows debris, planters, and some clutter that needs cleanup. Driveway and sidewalk have cracking/uneven sections that are trip-hazard candidates and should be leveled. No visible standing water, no obvious foundation failure, and no collapsed structures visible in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (required).",
"Potential lead-based paint hazard (property built 1977 — pre-1978) requiring disclosure and possible mitigation for assisted tenants.",
"Ceiling discoloration/staining in multiple photos — possible past/active water intrusion requiring verification.",
"Exterior electrical/service wiring cluster visible at rear; condition should be verified to rule out unsafe or unsecured wiring.",
"Front walkway/driveway shows cracking/uneven surfaces that present trip hazards."
],
"confidence": 0.7,
"assumptions": [
"Seller listing is accurate: HVAC installed ~1 year ago and water heater recently replaced; those systems are operational.",
"No smoke or CO detectors were visible in photos; assume none or not in required locations unless provided during final inspection.",
"Bedrooms have windows but egress compliance cannot be confirmed from photos; assume at least one bedroom may meet egress but treat as unverified.",
"Electrical service and meter at rear appear intact; assume interior electrical panel is standard and not showing obvious hazards since not photographed.",
"Ceiling discoloration indicates past water staining but no active leak is visible in photos; assume repair may be cosmetic unless inspector finds active moisture.",
"Storage buildings in backyard have electrical connections per listing; assume they are functional but should be tested and verified for safety.",
"No rental history within 5 years (per snapshot), so rental history did not affect scoring."
],
"overall_score": 69.0,
"rubric_version": "2026-02-16_v1"
},
{
"summary": "This single-story brick home with a metal roof and updated HVAC/water heater appears largely serviceable and could likely pass a Housing Choice Voucher (Section 8 / NSPIRE) inspection after addressable deficiencies are corrected. Major systems appear in good shape (roof, HVAC per listing, water heater), and kitchen appliances are present. Primary inspection risks visible in the photos are missing/not-visible smoke and CO detectors and uncertain GFCI protection, plus exterior electrical wiring neatness near the meter and backyard sheds which should be verified by an electrician. Most issues appear to be minor or moderate and readily correctable (detectors, outlet/GFCI, electrical cleanup, sidewalk repairs). I estimate the property is rent-ready with 1–4 weeks of fixes and electrician verification; however an on-site inspection could reveal additional issues not visible in the photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Interior appears generally well maintained: floors recently updated (vinyl plank + carpet), kitchen cabinets intact, working range/ refrigerator/ dishwasher visible. Exterior brick and metal roof appear in good condition. Visible deferred items are cosmetic: cracked front walkway, driveway wear, minor yard cleanup and exterior fence repairs. No large areas of collapsed or missing finishes visible. Missing or worn light fixture covers and small cosmetic ceiling discoloration near kitchen are easy-to-fix. Overall repairs are minor-to-moderate and primarily cosmetic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Multiple safety items not visible in photos and therefore treated as inspection risks: no smoke detectors or carbon monoxide detectors are visible in the living area, hallway, or near bedrooms (NSPIRE requires smoke detectors in sleeping areas & outside sleeping area). GFCI protection at kitchen counters/bathrooms is not shown. Exterior electrical service and multiple wires near the meter and to backyard sheds look cluttered — potential electrical hazard that will require verification. Door has standard lock; deadbolt presence not clearly visible. No obvious active mold or major water intrusion seen, though a faint ceiling discoloration above kitchen suggests prior moisture that should be checked. Egress windows appear typical for bedrooms but not confirmed. These unknowns create moderate inspection risk; many items (detectors, outlet covers, small wiring corrections) are typically easy fixes but will need contractor/electrician verification."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, roof, electrical)",
"score": 75.0,
"rationale": "Listing states HVAC unit is one year old and a recent water heater replacement; ceiling returns and vent grills are visible which supports a working forced-air system. Metal roof shown and described as in good condition; no sagging or active roof failures are visible. Electrical meter and service are present; interior shows no obvious knob-and-tube or damaged panel in photos but wiring outside looks untidy. Plumbing fixtures (kitchen sink, bathroom not shown) appear present and functional; hot water is likely available per listing. Overall systems appear functional based on listing claims and visible evidence, but electrical tidy-up and verification of GFCI and smoke/CO detectors are needed."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard condition",
"score": 70.0,
"rationale": "Brick exterior and metal roof present a durable envelope. Yard is fenced with a gate, and several powered storage buildings are present in the backyard (adds utility). Some site issues: cracked/uneven front sidewalk and driveway edges create trip hazards; yard needs cleanup and there are multiple planters and debris; wiring to backyard sheds should be inspected for compliance/safety. No visible foundation collapse or major exterior structural damage. Overall site condition is fair and repairable."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide detectors visible in living areas/hallway/photos — likely fail if absent on inspection.",
"Exterior electrical service and wiring to backyard sheds appears messy and could represent an electrical hazard requiring electrician remediation.",
"Cracked/uneven front sidewalk and driveway edge creating a trip hazard that should be repaired to meet basic safety expectations."
],
"confidence": 0.65,
"assumptions": [
"Listing statement about a one-year-old HVAC and recently replaced water heater is accurate and systems are operational.",
"No active roof leaks exist; metal roof condition is as stated in listing and visible photos.",
"Kitchen appliances shown (stove, refrigerator, dishwasher) are functional or will be provided; missing appliances are not expected to be an inspection-fail by themselves.",
"Bedrooms have standard-sized windows that meet egress requirements though egress was not explicitly confirmed in photos.",
"Electrical panel is present and intact inside the house (not pictured) but exterior wiring near the meter may need tidy-up or remediation.",
"No severe hidden plumbing or foundation issues are present; interior photos show no obvious sagging floors or major structural deflection.",
"No professional mold or termite remediation is required based on visible photos; presence of a dog does not imply infestation."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 1977 single-story brick home appears generally serviceable and likely to pass an initial HCV/NSPIRE inspection after addressing a handful of typical, fixable deficiencies. Major building envelope and systems (metal roof, HVAC, water heater) are reported/recent and visually acceptable. Primary inspection risks are missing/unsupported smoke and carbon monoxide alarms, uncertain GFCI protection in wet areas, and unconfirmed bedroom egress. Exterior walkway repairs and general cleanup of backyard/storage areas are recommended. Lead-based paint disclosure and compliance obligations apply due to 1977 construction.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears generally well maintained: kitchen appliances (gas range, refrigerator, dishwasher) present, kitchen floor looks recently replaced, carpet in living areas appears serviceable, cabinets intact. Exterior brick and metal roof look in good condition per photos and listing. Visible minor deferred items: cluttered backyard, pet door in exterior door, cracked driveway/sidewalk at curb, cosmetic paneling and textured ceilings. No large-scale interior damage observed. Missing small items (smoke/CO alarms, GFCI outlets not visible) treated as safety/code items (scored separately) rather than pure cosmetic. Overall turn-key after minor fixes and clearing."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 55.0,
"rationale": "Several NSPIRE-required safety items are not visible in photos: no smoke detectors observed in living areas or hallway, no carbon monoxide alarm visible (gas range present), GFCI-type outlets not obvious in kitchen, egress windows for bedrooms not confirmed in photos. Entry door has a pet flap cut into it (possible air/security breach). No exposed live wiring or collapsed ceilings visible; electrical meter/wiring at rear appears intact but termination and panel condition not shown. Absence of visible detectors and unconfirmed GFCI/egress create a moderate inspection risk that would likely require correction prior to pass."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 80.0,
"rationale": "Listing states HVAC is one year old and water heater was recently replaced; ceiling air vents are visible and no visible evidence of active leaks or water damage. Metal roof appears in good condition with no visible sagging or leaks. Electrical meter and service appear present and intact externally. Plumbing fixtures (kitchen sink, dishwasher) appear functional. Because key service components are reported replaced recently and there are no visual signs of system failure, systems score is strong. Final verification (operation of HVAC, hot water, electrical panel labeling) required at inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior and metal roof look sound. Yard is fenced and has multiple storage buildings (advertised as having electricity) which provide utility but add permitting/electrical-safety considerations. Driveway and front sidewalk show cracking and a low concrete lip at the curb—potential trip hazard. Backyard is somewhat cluttered and has raised planters; no standing water or obvious infestation seen. Overall exterior is functional but would benefit from cleanup and addressing walkway trip hazard."
}
],
"red_flags": [
"No smoke detectors visible in living areas/hallway in the photos (NSPIRE requires smoke alarms).",
"No carbon monoxide alarm visible despite presence of a gas range (CO alarm required where gas appliances are present).",
"Property built in 1977 — lead-based paint disclosure and (if applicable) remediation requirements apply for families with young children.",
"Front sidewalk/driveway edge and curb show cracking/offset that may be a trip hazard and could be cited on inspection if not addressed."
],
"confidence": 0.7,
"assumptions": [
"Listing statements are accurate: metal roof in good condition, HVAC replaced ~1 year ago and operational, water heater recently replaced.",
"Bedrooms have at least one egress window each (not shown explicitly in provided photos) but this must be verified at inspection.",
"Electrical service and panel are present and intact behind accessible cover (only exterior meter and conduit visible in photos).",
"No active roof leaks or hidden ceiling/attic damage beyond minor staining were present beyond what is visible in interior photos.",
"Appliances shown (gas range, refrigerator, dishwasher) are functional; failure of these would be an easy-to-fix capital item."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "439 W Cedar St, Durant, MS, 39063",
"aggregate": {
"summary": "This is a mostly serviceable single-family home with functioning major systems (listed recently replaced HVAC and water heater) and working kitchen appliances. Visible issues are largely cosmetic and maintenance-related (paneling, ceiling texture/discoloration, driveway/walkway cracks, yard clutter). Primary inspection risks for an initial NSPIRE/Section 8 inspection are lack of visible smoke/CO detectors, potential lead-paint considerations (built 1977), unclear bedroom egress, and some exterior electrical/service wiring that should be checked. With installation of required detectors, minor repairs (patch/paint ceilings, address walkway trip hazards) and verification of mechanical system documentation, the property is likely rentable within 2–4 weeks to meet Section 8 standards.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Interior appears lived-in but generally maintained. Kitchen has functioning major appliances (range, refrigerator, dishwasher) and newer-looking vinyl plank flooring in kitchen; living areas show carpet in usable condition. Cosmetic deferred items include dated wood paneling, textured/popcorn ceilings with some visible discoloration/staining, and cracked/uneven sections of the front walkway/driveway. Enclosed garage converted to living space may need code review but photos show it in use. No large visible structural failures. Missing minor cosmetic fixes and possibly ceiling patch/paint work — easy-to-fix capital items."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick front and metal roof present and in apparently good condition. Yard is fenced with multiple outbuildings (with electricity per listing) which is an amenity but the backyard shows debris, planters, and some clutter that needs cleanup. Driveway and sidewalk have cracking/uneven sections that are trip-hazard candidates and should be leveled. No visible standing water, no obvious foundation failure, and no collapsed structures visible in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 56.7,
"rationale": "Safety risks moderate. No smoke or carbon monoxide detectors are visible in the provided interior photos (likely required). Bedroom egress windows are not shown — inability to confirm egress reduces score. Entry door appears to have a deadbolt/lock set (photo ambiguous). Kitchen sink and appliances present but there's no visible GFCI near sink (not confirmed). Ceiling discoloration could indicate previous or potential water intrusion; no active ceiling collapse seen. Exterior electrical/mechanical cluster and multiple wires are visible at rear exterior — appears intact but should be inspected. Property built in 1977 (pre-1978) creates potential lead-based paint risk that requires disclosure/clearance for federal assisted tenants if original paint remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 78.3,
"rationale": "Listing states HVAC is one year old and a recent water heater replacement; photos show ceiling HVAC vents and no visible duct failure. Metal roof appears intact and listing claims 'no issues' — exterior photos support a sound roof condition. Electrical meter and service present at exterior; condition appears typical though internal panel was not photographed. Plumbing fixtures appear functional (kitchen sink) and appliances are in place. Overall major systems likely operational but require verification paperwork or on-site testing."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (required).",
"Potential lead-based paint hazard (property built 1977 — pre-1978) requiring disclosure and possible mitigation for assisted tenants.",
"Ceiling discoloration/staining in multiple photos — possible past/active water intrusion requiring verification.",
"Exterior electrical/service wiring cluster visible at rear; condition should be verified to rule out unsafe or unsecured wiring.",
"Front walkway/driveway shows cracking/uneven surfaces that present trip hazards."
],
"confidence": 0.95,
"assumptions": [
"Seller listing is accurate: HVAC installed ~1 year ago and water heater recently replaced; those systems are operational.",
"No smoke or CO detectors were visible in photos; assume none or not in required locations unless provided during final inspection.",
"Bedrooms have windows but egress compliance cannot be confirmed from photos; assume at least one bedroom may meet egress but treat as unverified.",
"Electrical service and meter at rear appear intact; assume interior electrical panel is standard and not showing obvious hazards since not photographed.",
"Ceiling discoloration indicates past water staining but no active leak is visible in photos; assume repair may be cosmetic unless inspector finds active moisture.",
"Storage buildings in backyard have electrical connections per listing; assume they are functional but should be tested and verified for safety.",
"No rental history within 5 years (per snapshot), so rental history did not affect scoring."
],
"score_method": "mean_of_criteria",
"overall_score": 70.1,
"rubric_version": "2026-02-16_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7975415994"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.