2704 Shannon St, Jackson, MS, 39212
Jackson, MS
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 63.00%
Confidence: 80.00%
Moderate Section 8 / HCV NSPIRE risk. The property is broadly serviceable and could be rent-ready with 2–6 weeks of targeted fixes, but several life-safety and systems verifications are required before an inspector would likely pass it. Primary work items: verify/repair heating system or install functioning heat source, install/verify smoke and CO alarms, add GFCI protection in kitchen/baths (or verify existing), remove or make operable any window egress barriers (security bars), replace missing light covers, supply stove/refrigerator, and confirm electrical panel and water heater condition. No visible major structural failure, but the unknowns around heating/electrical and missing life-safety devices lower pass likelihood until corrected.
Property Fundamentals
Property Description
Spacious 4 bedroom, 2 bathroom single-family home now vacant and available for immediate occupancy or leasing. This property offers a functional layout with ample bedroom space, two full baths, and strong rental potential for an investor or owner-occupant. Ideal opportunity for buyers seeking a property ready for tenant placement or personal use.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms — required life-safety devices likely missing.
- Unknown heating system; only window AC shown — lack of verified heating can cause automatic fail on inspection.
- Window security bars observed on at least one sleeping-room window and may block emergency egress.
- No visible GFCI outlets in kitchen/bath photos — potential electrical safety violation.
- Ceiling discoloration in bathroom suggests past or possible moisture intrusion that should be investigated.
Assumptions
- Photos represent the majority of interior living areas; no additional finished basement or attic spaces exist beyond images.
- No central HVAC unit or furnace is present or functioning because only a window AC is visible; assume heating may be uncertain until verified.
- Electrical panel and smoke/CO detectors are not present or not visible; assume missing unless landlord can document functioning alarms and an intact panel.
- Appliances (range, refrigerator) are not present in photos and should be considered missing for tenant move-in readiness.
- No active roof leaks or major foundation movement are present; visible ceilings appear level with only small patched/stained areas.
- Window security bars seen in photos may restrict emergency egress from at least one sleeping room unless they are releasable from the inside.
- Bathrooms and kitchen plumbing fixtures operate but their supply/hot water and drain performance have not been tested and should be verified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,248 | $43,050 | $6,458 |
| 2023 | $1,242 | $43,050 | $6,458 |
| 2021 | $1,242 | $43,050 | $6,458 |
| 2020 | $1,229 | $42,830 | $6,425 |
| 2019 | $1,230 | $42,830 | $6,425 |
| 2018 | $1,216 | $42,830 | $6,425 |
| 2017 | $1,217 | $42,830 | $6,425 |
| 2016 | $1,185 | $42,830 | $6,425 |
| 2015 | $1,124 | $41,860 | $6,279 |
| 2014 | $1,122 | $41,860 | $6,279 |
| 2013 | $1,091 | $41,860 | $6,279 |
| 2012 | $1,091 | $41,860 | $6,279 |
| 2011 | $998 | $38,840 | $5,826 |
| 2010 | $1,196 | $46,810 | $7,022 |
| 2009 | $1,196 | $46,810 | $7,022 |
| 2008 | $1,196 | $39,380 | $5,907 |
| 2007 | $1,016 | $39,380 | $5,907 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Listed | $72,000 |
| 2026-02-03 | Listing removed | $0 |
| 2026-01-29 | Listed for rent | $1,325 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-01-28 | Listed for rent | $1,325 | — |
Photo Gallery
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"total": 6425,
"building": 5150
}
},
{
"tax": 1216,
"year": 2018,
"market": {
"land": 8500,
"total": 42830,
"building": 34330
},
"assessment": {
"land": 1275,
"total": 6425,
"building": 5150
}
},
{
"tax": 1217,
"year": 2017,
"market": {
"land": 8500,
"total": 42830,
"building": 34330
},
"assessment": {
"land": 1275,
"total": 6425,
"building": 5150
}
},
{
"tax": 1185,
"year": 2016,
"market": {
"land": 8500,
"total": 42830,
"building": 34330
},
"assessment": {
"land": 1275,
"total": 6425,
"building": 5150
}
},
{
"tax": 1124,
"year": 2015,
"market": {
"land": 8500,
"total": 41860,
"building": 33360
},
"assessment": {
"land": 1275,
"total": 6279,
"building": 5004
}
},
{
"tax": 1122,
"year": 2014,
"market": {
"land": 8500,
"total": 41860,
"building": 33360
},
"assessment": {
"land": 1275,
"total": 6279,
"building": 5004
}
},
{
"tax": 1091,
"year": 2013,
"market": {
"land": 8500,
"total": 41860,
"building": 33360
},
"assessment": {
"land": 1275,
"total": 6279,
"building": 5004
}
},
{
"tax": 1091,
"year": 2012,
"market": {
"land": 8500,
"total": 41860,
"building": 33360
},
"assessment": {
"land": 1275,
"total": 6279,
"building": 5004
}
},
{
"tax": 998,
"year": 2011,
"market": {
"land": 8500,
"total": 38840,
"building": 30340
},
"assessment": {
"land": 1275,
"total": 5826,
"building": 4551
}
},
{
"tax": 1196,
"year": 2010,
"market": {
"land": 8500,
"total": 46810,
"building": 38310
},
"assessment": {
"land": 1275,
"total": 7022,
"building": 5747
}
},
{
"tax": 1196,
"year": 2009,
"market": {
"land": 8500,
"total": 46810,
"building": 38310
},
"assessment": {
"land": 1275,
"total": 7022,
"building": 5747
}
},
{
"tax": 1196,
"year": 2008,
"market": {
"land": 5500,
"total": 39380,
"building": 33880
},
"assessment": {
"land": 825,
"total": 5907,
"building": 5082
}
},
{
"tax": 1016,
"year": 2007,
"market": {
"land": 5500,
"total": 39380,
"building": 33880
},
"assessment": {
"land": 825,
"total": 5907,
"building": 5082
}
}
],
"property_history": [
{
"date": "2026-02-11",
"price": 72000,
"listing": {
"status": "for_sale",
"list_date": "2026-02-11T21:42:33Z",
"list_price": 72000,
"listing_id": "2991475117",
"last_update_date": "2026-02-12T13:35:19Z",
"last_status_change_date": "2026-02-11T21:42:33Z"
},
"event_name": "Listed",
"price_sqft": 39.84504703929164,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4138919",
"price_change_percentage": null
},
{
"date": "2026-02-03",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2026-01-29T00:13:25Z",
"list_price": 1325,
"listing_id": "2990727276",
"last_update_date": "2026-02-01T00:03:09Z",
"last_status_change_date": "2026-02-03T00:14:07Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Hemlane",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1b15c813-4cd9-4113-88a4-9eb87cb69e6d",
"price_change_percentage": null
},
{
"date": "2026-01-29",
"price": 1325,
"listing": {
"status": "off_market",
"list_date": "2026-01-29T00:13:25Z",
"list_price": 1325,
"listing_id": "2990727276",
"last_update_date": "2026-02-01T00:03:09Z",
"last_status_change_date": "2026-02-03T00:14:07Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.7332595462091865,
"source_name": "Hemlane",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1b15c813-4cd9-4113-88a4-9eb87cb69e6d",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8047802139",
"generated_at": "2026-02-16T23:18:48.617516Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 63.0
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/f52464ca0dbaaa86e3063a21440eb63fl-m1011375084s-w1280.jpg",
"rent_price": 1397.0,
"loan_amount": 57600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2704-Shannon-St_Jackson_MS_39212_M80478-02139",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 72000.0,
"loan_term_years": 30,
"annual_cash_flow": 13250.66,
"mortgage_monthly": 383.21,
"payment_standard": 1790.0,
"total_amount_out": 14400.0,
"additional_photos": [
"https://ap.rdcpix.com/f52464ca0dbaaa86e3063a21440eb63fl-m1095993234s-w1280.jpg",
"https://ap.rdcpix.com/f52464ca0dbaaa86e3063a21440eb63fl-m698089837s-w1280.jpg",
"https://ap.rdcpix.com/f52464ca0dbaaa86e3063a21440eb63fl-m1355224213s-w1280.jpg",
"https://ap.rdcpix.com/f52464ca0dbaaa86e3063a21440eb63fl-m1061984586s-w1280.jpg",
"https://ap.rdcpix.com/f52464ca0dbaaa86e3063a21440eb63fl-m1802366421s-w1280.jpg",
"https://ap.rdcpix.com/f52464ca0dbaaa86e3063a21440eb63fl-m1391186417s-w1280.jpg",
"https://ap.rdcpix.com/f52464ca0dbaaa86e3063a21440eb63fl-m1254007800s-w1280.jpg",
"https://ap.rdcpix.com/f52464ca0dbaaa86e3063a21440eb63fl-m972447747s-w1280.jpg",
"https://ap.rdcpix.com/f52464ca0dbaaa86e3063a21440eb63fl-m3687794610s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 45.96,
"monthly_cash_flow": 1104.22,
"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 fixed allowance for a 4-bedroom unit is applied.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Natural gas was selected as it's listed as 'Natural Gas Available' for the property. This represents the allowance for a tenant-provided gas range.",
"utility": "Cooking",
"allowance": 10
},
{
"note": "Natural gas was selected for the property's 'Central' heating system as gas is available and a common fuel source.",
"utility": "Heating",
"allowance": 26
},
{
"note": "This is a standard fixed allowance for general electricity usage (lights, outlets) in a 4-bedroom home.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Included because the property listing states appliances are 'None', indicating the tenant must provide their own range/microwave.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Included because the property listing states appliances are 'None', indicating the tenant must provide their own refrigerator.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property is connected to 'Public Sewer' according to the listing details.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "This is a standard fixed allowance for municipal trash service for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property uses a 'Public' water source as stated in the listing details.",
"utility": "Water",
"allowance": 116
},
{
"note": "Natural gas was selected as 'Natural Gas Available' is listed for the property, making it the most likely fuel for water heating.",
"utility": "Water Heating",
"allowance": 23
}
],
"cash_on_cash_return": 0.92,
"down_payment_amount": 14400.0,
"property_tax_annual": 1285.44,
"property_tax_monthly": 107.12,
"property_tax_increase": 0.03,
"utility_allowance_total": 393.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/fmr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39212/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 8652.09,
"property_management_monthly": 139.7,
"monthly_cash_flow_after_debt": 721.01,
"cash_on_cash_return_after_debt": 0.6
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate Section 8 / HCV NSPIRE risk. The property is broadly serviceable and could be rent-ready with 2–6 weeks of targeted fixes, but several life-safety and systems verifications are required before an inspector would likely pass it. Primary work items: verify/repair heating system or install functioning heat source, install/verify smoke and CO alarms, add GFCI protection in kitchen/baths (or verify existing), remove or make operable any window egress barriers (security bars), replace missing light covers, supply stove/refrigerator, and confirm electrical panel and water heater condition. No visible major structural failure, but the unknowns around heating/electrical and missing life-safety devices lower pass likelihood until corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior appears generally clean and recently painted but shows deferred cosmetic repairs: worn/damaged hardwood in living area, mixed flooring with grout dirt, missing light covers / exposed bulbs in multiple rooms, patched ceilings, dated windows and finishes. Kitchen and bathroom cabinets/surfaces are present and functional-looking but photos show no refrigerator or range — missing appliances lower readiness moderately but are not inspection-failing by themselves. Overall appears tenant-ready after modest cosmetic repairs, floor refinishing, replacing light covers and supplying appliances."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 50.0,
"rationale": "Multiple potential NSPIRE safety items are not visible or are borderline: no smoke detectors or carbon monoxide alarms visible in photos (required), no visible GFCI-protected receptacles in kitchen or bathrooms, at least one bedroom/window shows metal security bars which may impede egress, some fixtures are exposed (bare bulbs). Entry has security/metal door and likely deadbolt. No clear exposed wiring, active roof collapse, or major foundation cracks seen. Because life-safety items (smoke/CO/GFCI/egress) are undocumented in the photos, this is a moderate inspection risk that needs targeted fixes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 50.0,
"rationale": "Major systems not directly documented: no visible central HVAC unit or furnace; a window AC is present in one bedroom indicating either partial cooling or lack of central air. Water heater and electrical panel not shown. Plumbing fixtures (kitchen sink, bathroom tub/toilet) are present and appear functional with no visible active leaks; bathroom has a fan/vent grille. Roof and ceiling show no obvious active sagging or large stains, though a small bathroom ceiling discoloration is visible. Unknowns on heating, electrical panel condition and water heater create moderate risk; these require verification prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior brick/siding and carport appear intact; front steps and small stoop show cosmetic wear and peeling paint but no visible structural failure. Yard is overgrown with leaves but no standing water or major grading issues are apparent. Windows are older single-pane style which may be drafty but are present. Walkway is uneven in places but no hazardous collapsed walk or missing guardrail is seen. Overall exterior condition is serviceable with light remediation."
},
{
"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": [
"No visible smoke detectors or carbon monoxide alarms — required life-safety devices likely missing.",
"Unknown heating system; only window AC shown — lack of verified heating can cause automatic fail on inspection.",
"Window security bars observed on at least one sleeping-room window and may block emergency egress.",
"No visible GFCI outlets in kitchen/bath photos — potential electrical safety violation.",
"Ceiling discoloration in bathroom suggests past or possible moisture intrusion that should be investigated."
],
"confidence": 0.65,
"assumptions": [
"Photos represent the majority of interior living areas; no additional finished basement or attic spaces exist beyond images.",
"No central HVAC unit or furnace is present or functioning because only a window AC is visible; assume heating may be uncertain until verified.",
"Electrical panel and smoke/CO detectors are not present or not visible; assume missing unless landlord can document functioning alarms and an intact panel.",
"Appliances (range, refrigerator) are not present in photos and should be considered missing for tenant move-in readiness.",
"No active roof leaks or major foundation movement are present; visible ceilings appear level with only small patched/stained areas.",
"Window security bars seen in photos may restrict emergency egress from at least one sleeping room unless they are releasable from the inside.",
"Bathrooms and kitchen plumbing fixtures operate but their supply/hot water and drain performance have not been tested and should be verified."
],
"overall_score": 58.0,
"rubric_version": "ns_pire_snapshot_v1"
},
{
"summary": "This 4-bed, 2-bath home appears largely serviceable and rentable after minor repairs and safety updates. Primary items to address before a Section 8/NSPIRE inspection: install/prove working smoke detectors (and CO alarms if required), confirm/replace required GFCI outlets in kitchen/baths, provide stove and refrigerator (or ensure tenant-supplied arrangement per program rules), repair/secure any loose trim and replace missing outlet/switch covers, and verify electrical panel, water heater and HVAC operation. No visible structural collapse, major roof failure, or standing water was observed; most issues are cosmetic or straightforward mechanical/electrical verifications. With targeted work it should be rent-ready within 2–4 weeks for inspection compliance.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Interior appears mostly intact with recently painted walls, intact tile in wet areas and a mix of hardwood/tile flooring. Visible deferred items are cosmetic or moderate: worn/uneven hardwood in living area, scuffed baseboards/trim, ceiling patching/texture repairs, and missing kitchen appliances (no stove or refrigerator visible). Exterior shows some concrete step wear and overgrown/uncared-for landscaping. These are repair/cosmetic items that should be addressable without structural work; missing appliances reduce readiness moderately but are not an inspection-failing hazard by themselves."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the photos (required by NSPIRE) — this is the primary safety deficiency observed. Entry door appears secure (metal security door) and windows appear to provide egress in bedrooms, though window sizes are not dimension-verified from photos. No obvious exposed wiring or broken/falling ceilings observed. Some light fixtures are bare-bulb style; GFCI outlets in kitchen/bath are not visible in photos. Front entry has 2–3 steps with no handrail (likely below handrail threshold but should be verified). Ceiling patching in places suggests prior water intrusion; no active leaks or collapsed ceilings visible. Overall moderate inspection risk driven mainly by missing detectors and unknowns around electrical protection."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC, electrical, plumbing, roof",
"score": 65.0,
"rationale": "Floor registers seen in photos indicate a central HVAC / ducting system is likely present; a window AC is present in one bedroom which could indicate supplemental cooling or inconsistent central service. Bathroom fixtures, tub and vanity are installed and appear functional; no visible plumbing leaks. Roof condition cannot be fully verified from ground-level front photo but shows no visible sagging or major damage. Electrical panel and water heater are not shown; no visible active electrical hazards in photos. Given age of home (1954) and some interior finishing patchwork, systems likely functional but require in-person verification and possible servicing."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior brick/painted block and siding appear intact with no visible major foundation cracks or movement. Yard is overgrown and front walkway/steps show wear with minor uneven concrete that could be trip-prone; no standing water visible. Carport and drive visible and usable. No signs of infestation or major exterior neglect in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors in interior photos (required for passing NSPIRE).",
"No visible carbon monoxide detector (if fuel-burning appliances are present CO alarm will be required).",
"Missing kitchen appliances (range and refrigerator) — reduces tenant readiness and may be flagged depending on lease terms.",
"Ceiling patching/staining in multiple rooms suggests prior water intrusion that should be verified as fully remediated.",
"Electrical panel and water heater not photographed — unknown condition (requires on-site verification).",
"Front concrete steps and walkway show wear/uneven surfaces that could be trip hazards and should be repaired/leveled."
],
"confidence": 0.75,
"assumptions": [
"No smoke detectors or CO alarms were observed in photos; assume they are not installed or not visible and will be required.",
"Central HVAC/forced air is inferred from visible floor/ceiling registers; the system is assumed present but its working condition is unknown.",
"Water heater, electrical service panel and meter are located on-site but were not photographed; assume they exist and require verification.",
"Bedroom windows appear adequate for egress but sizes/heights are not measured from photos — assume typical egress is likely but must be verified onsite.",
"Kitchen appliances (stove/oven and refrigerator) are not present in photos and will need to be supplied or documented as provided.",
"Ceiling repairs/patching visible are assumed to be previously repaired water intrusion with no active leak at time of photos.",
"No visible severe foundation movement, major roof failure, active mold growth, or exposed live wiring is present in provided photos."
],
"overall_score": 68.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "Overall the property appears rent-ready with mostly cosmetic and code-level fixes needed. Interior finishes and bathrooms are serviceable, but NSPIRE inspection risks exist: no visible smoke/CO detectors, likely missing GFCI protection, front entry handrail missing, and potential egress issues from window security bars. Major systems (HVAC, water heater, electrical panel, roof) are present or implied but not documented in photos and should be tested. With targeted corrections (install smoke/CO detectors, add GFCI outlets, add/repair handrails, ensure egress hardware, confirm HVAC and water heater operation, supply stove/refrigerator if required), the home is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior appears clean but shows deferred cosmetic work: worn hardwood floors, patched/uneven ceiling texture, a few bare light bulbs/fixtures, and general cosmetic wear on trim and cabinetry. Kitchen cabinets and sink are present but no stove or refrigerator visible in photos (moderate penalty applied). Bathrooms appear recently retiled and functional. Front steps and porch show wear and cracking but are intact. Overall repair needs are mostly cosmetic and medium-effort replacements/finishes rather than major structural work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several inspection-risk items visible or reasonably inferred: no smoke detectors are visible in photos (likely missing), no visible CO detector, kitchen and bathroom outlets/GFCI devices are not visible (likely missing), front entry steps lack a handrail, and some windows show security bars that may impede bedroom egress unless quick-release hardware is provided. No obvious exposed wiring or collapsed ceilings visible. These items create multiple NSPIRE inspection risks that are fixable but must be corrected before pass."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Plumbing fixtures (sinks, toilets, tub/shower) are present and appear intact in photos. Floor and ceiling vents and a window AC unit are visible, indicating some HVAC exists, but no central HVAC unit, furnace, or water heater is shown; working condition is unconfirmed. Electrical panel and GFCI devices are not visible. Roof condition not clearly shown but no active sagging or collapse in exterior photos. Because systems are present but largely unverified, score reflects moderate uncertainty and likely minor to moderate servicing required."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Exterior masonry/siding and foundation appear intact with no visible major cracking. Yard and walkway show deferred maintenance (uneven walkway, overgrown/leaf litter). Entry steps and small stoop are worn and show cracking; no visible guardrail. Carport present. No obvious standing water or major exterior structural damage visible in photos."
},
{
"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 smoke detectors (not visible in any interior photos) — NSPIRE fail until installed.",
"Potentially missing GFCI protection in kitchen and bathrooms (no GFCI devices visible).",
"Window security bars present on some windows that may impede emergency egress unless quick-release hardware is installed.",
"No visible dedicated heating appliance (furnace) or water heater in photos — systems must be verified operational before inspection.",
"Front entry steps lack a handrail and show cracking — trip/fall risk and likely require repair or rail installation.",
"Ceiling patches/discoloration visible in a few rooms suggesting past leaks that should be investigated for active moisture."
],
"confidence": 0.65,
"assumptions": [
"Utilities (water, electricity) are available to the property and were functioning recently; listing states immediate occupancy.",
"Central HVAC likely exists (floor/ceiling vents visible) but window AC is present in one bedroom; full HVAC operation is unverified and assumed serviceable until tested.",
"No active roof leaks or major structural movement exist because no sagging or large stains are visible, though ceiling patches suggest prior repairs.",
"Appliances (stove/refrigerator) are not present in photos and should be provided; missing appliances are treated as moderate, fixable items rather than automatic failure.",
"Smoke and CO detectors are not installed or not visible in photos and will need installation to meet NSPIRE requirements.",
"Window security bars visible in photos may be fixed; if not quick-release, they will be a failing egress condition and must be modified."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2704 Shannon St, Jackson, MS, 39212",
"aggregate": {
"summary": "Moderate Section 8 / HCV NSPIRE risk. The property is broadly serviceable and could be rent-ready with 2–6 weeks of targeted fixes, but several life-safety and systems verifications are required before an inspector would likely pass it. Primary work items: verify/repair heating system or install functioning heat source, install/verify smoke and CO alarms, add GFCI protection in kitchen/baths (or verify existing), remove or make operable any window egress barriers (security bars), replace missing light covers, supply stove/refrigerator, and confirm electrical panel and water heater condition. No visible major structural failure, but the unknowns around heating/electrical and missing life-safety devices lower pass likelihood until corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears generally clean and recently painted but shows deferred cosmetic repairs: worn/damaged hardwood in living area, mixed flooring with grout dirt, missing light covers / exposed bulbs in multiple rooms, patched ceilings, dated windows and finishes. Kitchen and bathroom cabinets/surfaces are present and functional-looking but photos show no refrigerator or range — missing appliances lower readiness moderately but are not inspection-failing by themselves. Overall appears tenant-ready after modest cosmetic repairs, floor refinishing, replacing light covers and supplying appliances."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.3,
"rationale": "Exterior brick/siding and carport appear intact; front steps and small stoop show cosmetic wear and peeling paint but no visible structural failure. Yard is overgrown with leaves but no standing water or major grading issues are apparent. Windows are older single-pane style which may be drafty but are present. Walkway is uneven in places but no hazardous collapsed walk or missing guardrail is seen. Overall exterior condition is serviceable with light remediation."
},
{
"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."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "Multiple potential NSPIRE safety items are not visible or are borderline: no smoke detectors or carbon monoxide alarms visible in photos (required), no visible GFCI-protected receptacles in kitchen or bathrooms, at least one bedroom/window shows metal security bars which may impede egress, some fixtures are exposed (bare bulbs). Entry has security/metal door and likely deadbolt. No clear exposed wiring, active roof collapse, or major foundation cracks seen. Because life-safety items (smoke/CO/GFCI/egress) are undocumented in the photos, this is a moderate inspection risk that needs targeted fixes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 58.3,
"rationale": "Major systems not directly documented: no visible central HVAC unit or furnace; a window AC is present in one bedroom indicating either partial cooling or lack of central air. Water heater and electrical panel not shown. Plumbing fixtures (kitchen sink, bathroom tub/toilet) are present and appear functional with no visible active leaks; bathroom has a fan/vent grille. Roof and ceiling show no obvious active sagging or large stains, though a small bathroom ceiling discoloration is visible. Unknowns on heating, electrical panel condition and water heater create moderate risk; these require verification prior to inspection."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms — required life-safety devices likely missing.",
"Unknown heating system; only window AC shown — lack of verified heating can cause automatic fail on inspection.",
"Window security bars observed on at least one sleeping-room window and may block emergency egress.",
"No visible GFCI outlets in kitchen/bath photos — potential electrical safety violation.",
"Ceiling discoloration in bathroom suggests past or possible moisture intrusion that should be investigated."
],
"confidence": 0.8,
"assumptions": [
"Photos represent the majority of interior living areas; no additional finished basement or attic spaces exist beyond images.",
"No central HVAC unit or furnace is present or functioning because only a window AC is visible; assume heating may be uncertain until verified.",
"Electrical panel and smoke/CO detectors are not present or not visible; assume missing unless landlord can document functioning alarms and an intact panel.",
"Appliances (range, refrigerator) are not present in photos and should be considered missing for tenant move-in readiness.",
"No active roof leaks or major foundation movement are present; visible ceilings appear level with only small patched/stained areas.",
"Window security bars seen in photos may restrict emergency egress from at least one sleeping room unless they are releasable from the inside.",
"Bathrooms and kitchen plumbing fixtures operate but their supply/hot water and drain performance have not been tested and should be verified."
],
"score_method": "mean_of_criteria",
"overall_score": 63.0,
"rubric_version": "ns_pire_snapshot_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8047802139"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.