Property ID: 8075413237
667 Queen Cir, Jackson, MS, 39209
Jackson, MS
Money Down: $29,976
CoC Return: 2.88%
Monthly Cash Flow: $72
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,980
Closing Costs
$4,996
Total Down
$29,976
Investment Snapshot
Purchase Price
$124,900
Money Down
$29,976
Cash-on-Cash Return
2.88%
Rent
$1,008
Monthly Cash Flow
$72
Annual Cash Flow
$863
Debt Service / Mo
$665
Property Tax / Mo
$125
Insurance / Mo
$46
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,008
Payment Standard
$1,380
Rent
$1,008
Insurance
$46
Property Tax
$125
Management
$101
Utilities Allowance
$372
NOI (Monthly)
$737
Debt Service
$665
Cash Flow After Debt
$72
Quality Score: 84.60%
Confidence: 95.00%
This single-family home appears recently renovated and largely turn-key. Based on photos and listing text it is likely to pass an initial HCV/NSPIRE inspection after minor verifications and small items (installing/confirming smoke and CO alarms, confirming GFCI outlets, and verifying hot water/HVAC operation). No obvious structural or life-safety failures are visible.
Section 8 Payment Standard
$1,380
Utility Allowance Total
$372
Guaranteed Section 8 Rent (PS - Utilities)
$1,008
Property Management
$101
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$124,900
Beds
3
Baths
1.5
Living Area
1,170 sqft
Lot Size
37,897 sqft
Year Built
1971
Days on Market
4
Capital Outlay
$29,976
Debt Service
$665
Property Tax / Mo
$125
Insurance / Mo
$46
Property Description
This charming 3-bedroom, 1.5-bath home has been beautifully updated throughout. The kitchen features granite countertops, brand-new appliances, and modern finishes. Enjoy all-new flooring, fresh interior paint, new lighting throughout, and stylish new plumbing fixtures that give the home a fresh, contemporary feel. With its thoughtful upgrades, this home is truly turn-key and ready for its new owners!
Utility Allowances
Heating
$50
Property details indicate central electric heating.
Cooking
$11
Property includes an electric range.
Water Heating
$29
Inferred electric water heater based on other electric systems (heating, cooking).
Air Conditioning
$12
Property has central air conditioning.
Other Electric
$69
Standard allowance for general electrical use in a 3-bedroom home.
Water
$104
Property uses public water supply.
Sewer
$60
Property uses public sewer.
Trash Collection
$37
Standard allowance for municipal trash collection.
Refrigerator
$0
Refrigerator is provided by the owner.
Range/Microwave
$0
Electric range and microwave are provided by the owner.
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$537
DP3 Annual Estimate$561
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$47
Replacement Value$40,170
Basis1,170 sqft / 1971
Nearby Houses
Photo unavailable
685 Queen Cir
off_market · 0.05 mi
Price: $62,400
3 bd / 2 ba · 1,734 sqft
Latest sale: —
Latest rent: —
Photo unavailable
664 Queen Julianna Ln
for_sale · 0.12 mi
Price: $65,000
4 bd / 2 ba · 1,300 sqft
Latest sale: —
Latest rent: $1,050 on Oct 11, 2025
Photo unavailable
583 Lowder Dr
for_sale · 0.19 mi
Price: $42,000
3 bd / 2 ba · 1,337 sqft
Latest sale: —
Latest rent: —
Photo unavailable
506 Lowder Dr
for_sale · 0.26 mi
Price: $62,500
3 bd / 2 ba · 1,318 sqft
Latest sale: —
Latest rent: $850 on Apr 28, 2017
Photo unavailable
513 Lowder Dr
sold · 0.26 mi
Price: $55,000
3 bd / 2 ba · 1,048 sqft
Latest sale: — on Jul 17, 2024
Latest rent: $925 on Aug 08, 2024
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing text is accurate: kitchen appliances (range, refrigerator) are present and functioning though not pictured.
- Central HVAC is present and operational (inferred from ceiling diffusers/vents).
- Hot water heater and domestic hot water are present and functioning (not pictured).
- Bedrooms have compliant egress windows typical for a 1971 single-story layout (windows in photos are standard size).
- Interior paint is fresh and not peeling; therefore no visible lead-hazard conditions despite 1971 construction.
- Electrical panel shown is the main panel and is properly secured and grounded.
- No hidden active roof leaks or major foundation movement are present (no visual evidence in exterior photos).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,454 | $50,170 | $7,526 |
| 2023 | $1,447 | $50,170 | $7,526 |
| 2021 | $1,448 | $50,170 | $7,526 |
| 2020 | $1,426 | $49,700 | $7,455 |
| 2019 | $1,427 | $49,700 | $7,455 |
| 2018 | $1,411 | $49,700 | $7,455 |
| 2017 | $1,412 | $49,700 | $7,455 |
| 2016 | $1,375 | $49,700 | $7,455 |
| 2015 | $1,315 | $49,000 | $7,350 |
| 2014 | $1,314 | $49,000 | $7,350 |
| 2013 | $1,277 | $49,000 | $7,350 |
| 2012 | $1,277 | $49,000 | $7,350 |
| 2011 | $1,231 | $47,910 | $7,187 |
| 2010 | $1,302 | $50,980 | $7,647 |
| 2009 | $1,302 | $50,980 | $7,647 |
| 2008 | $1,302 | $42,260 | $6,339 |
| 2007 | $1,091 | $42,260 | $6,339 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-12 | Listed | $124,900 |
| 2025-12-18 | Listing removed | $0 |
| 2025-10-20 | Price Changed | $134,900 |
| 2025-08-27 | Price Changed | $139,900 |
| 2025-08-05 | Listed | $145,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2020-02-13 | Listed for rent | $900 | — |
| 2019-08-20 | Listed for rent | $900 | — |
Photo Gallery
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"list_date": "2025-08-05T15:46:02Z",
"list_price": 134900,
"listing_id": "2985025533",
"last_update_date": "2025-10-20T19:06:58Z",
"last_status_change_date": "2025-12-18T06:24:28Z"
},
"event_name": "Price Changed",
"price_sqft": 115.2991452991453,
"source_name": "MLSUnited",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "4121502",
"price_change_percentage": null
},
{
"date": "2025-08-27",
"price": 139900,
"listing": {
"status": "off_market",
"list_date": "2025-08-05T15:46:02Z",
"list_price": 134900,
"listing_id": "2985025533",
"last_update_date": "2025-10-20T19:06:58Z",
"last_status_change_date": "2025-12-18T06:24:28Z"
},
"event_name": "Price Changed",
"price_sqft": 119.57264957264957,
"source_name": "MLSUnited",
"price_change": -5100,
"days_after_listed": null,
"source_listing_id": "4121502",
"price_change_percentage": null
},
{
"date": "2025-08-05",
"price": 145000,
"listing": {
"status": "off_market",
"list_date": "2025-08-05T15:46:02Z",
"list_price": 134900,
"listing_id": "2985025533",
"last_update_date": "2025-10-20T19:06:58Z",
"last_status_change_date": "2025-12-18T06:24:28Z"
},
"event_name": "Listed",
"price_sqft": 123.93162393162393,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4121502",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8075413237",
"generated_at": "2026-02-16T23:05:38.499011Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 84.6
},
"utility_allowance": {
"zip_code": "39209",
"home_photo": "https://ap.rdcpix.com/c7990ed9c7da95fc6f5b58dab544f578l-m834858905s-w1280.jpg",
"rent_price": 1008.0,
"loan_amount": 99920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/667-Queen-Cir_Jackson_MS_39209_M80754-13237",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 124900.0,
"loan_term_years": 30,
"annual_cash_flow": 8839.78,
"mortgage_monthly": 664.77,
"payment_standard": 1380.0,
"total_amount_out": 24980.0,
"additional_photos": [
"https://ap.rdcpix.com/c7990ed9c7da95fc6f5b58dab544f578l-m145617262s-w1280.jpg",
"https://ap.rdcpix.com/c7990ed9c7da95fc6f5b58dab544f578l-m1747630840s-w1280.jpg",
"https://ap.rdcpix.com/c7990ed9c7da95fc6f5b58dab544f578l-m3258622815s-w1280.jpg",
"https://ap.rdcpix.com/c7990ed9c7da95fc6f5b58dab544f578l-m169856051s-w1280.jpg",
"https://ap.rdcpix.com/c7990ed9c7da95fc6f5b58dab544f578l-m1142137181s-w1280.jpg",
"https://ap.rdcpix.com/c7990ed9c7da95fc6f5b58dab544f578l-m1874753928s-w1280.jpg",
"https://ap.rdcpix.com/c7990ed9c7da95fc6f5b58dab544f578l-m1130283234s-w1280.jpg",
"https://ap.rdcpix.com/c7990ed9c7da95fc6f5b58dab544f578l-m2477668599s-w1280.jpg",
"https://ap.rdcpix.com/c7990ed9c7da95fc6f5b58dab544f578l-m1333659972s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 45.75,
"monthly_cash_flow": 736.65,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Property details indicate central electric heating.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Property includes an electric range.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Inferred electric water heater based on other electric systems (heating, cooking).",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "Property has central air conditioning.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Standard allowance for general electrical use in a 3-bedroom home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property uses public water supply.",
"utility": "Water",
"allowance": 104
},
{
"note": "Property uses public sewer.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard allowance for municipal trash collection.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Refrigerator is provided by the owner.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Electric range and microwave are provided by the owner.",
"utility": "Range/Microwave",
"allowance": 0
}
],
"cash_on_cash_return": 0.35,
"down_payment_amount": 24980.0,
"property_tax_annual": 1497.62,
"property_tax_monthly": 124.8,
"property_tax_increase": 0.03,
"utility_allowance_total": 372.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/ps",
"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": 862.54,
"property_management_monthly": 100.8,
"monthly_cash_flow_after_debt": 71.88,
"cash_on_cash_return_after_debt": 0.03
},
"section8_assessment": {
"runs": [
{
"summary": "This single-family home appears recently renovated and largely turn-key. Based on photos and listing text it is likely to pass an initial HCV/NSPIRE inspection after minor verifications and small items (installing/confirming smoke and CO alarms, confirming GFCI outlets, and verifying hot water/HVAC operation). No obvious structural or life-safety failures are visible.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 92.0,
"rationale": "Interior photos show fresh paint, new-looking flooring, new light fixtures/ceiling fans, updated plumbing fixtures, and clean finishes. Exterior brick painted and in good visual condition; carport and concrete in good shape. Washer/dryer present and appear new. No visible cosmetic deferred maintenance or damaged finishes. Missing minor items (no visible window coverings in some rooms) are easy cosmetic fixes."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 80.0,
"rationale": "No visible exposed wiring, electrical panel is enclosed and located in laundry, entry door has both knob and deadbolt, no obvious trip hazards, ceilings and floors appear sound, no visible mold or active water stains. Photos do not show smoke detectors or CO alarms, and GFCI protection locations (kitchen/bath) are not visible — these are common NSPIRE checklist items and may require installation. Bedroom egress windows are not shown but the home appears to be standard single-story with typical window sizes; assume compliant but unconfirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 82.0,
"rationale": "Ceiling vents and round supply/return diffusers visible indicating central HVAC present; ceiling fans are functional. Electrical panel appears intact and labeled. Laundry hookups and new washer/dryer present. Roof shingles appear intact from photos with no visible sagging or active leaks. Water heater not visible in photos; listing states plumbing fixtures upgraded. Because major systems are not directly shown in operation, a modest risk reduction was applied."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 88.0,
"rationale": "Exterior painted brick and siding and gutters look well maintained. Driveway and carport concrete are in good condition; yard is graded away from house with no visible standing water. Fence and gate visible at side appear new. No evidence of infestation, foundation cracking, or significant site neglect in provided photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing text is accurate: kitchen appliances (range, refrigerator) are present and functioning though not pictured.",
"Central HVAC is present and operational (inferred from ceiling diffusers/vents).",
"Hot water heater and domestic hot water are present and functioning (not pictured).",
"Bedrooms have compliant egress windows typical for a 1971 single-story layout (windows in photos are standard size).",
"Interior paint is fresh and not peeling; therefore no visible lead-hazard conditions despite 1971 construction.",
"Electrical panel shown is the main panel and is properly secured and grounded.",
"No hidden active roof leaks or major foundation movement are present (no visual evidence in exterior photos)."
],
"overall_score": 86.0,
"rubric_version": "nsPIRE-assess-1.0"
},
{
"summary": "This single-story 3BR/1.5BA home appears largely turnkey for rental and has a high likelihood of passing an initial HCV/NSPIRE inspection after minimal items are confirmed or corrected. The property shows comprehensive cosmetic updates, a sound exterior, an intact electrical panel, and laundry appliances present. The main inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection in kitchen/bath, and unverified operation of HVAC and hot water systems. These are typically quick fixes (installation or verification) and do not suggest major structural or safety failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Photos and listing indicate a complete cosmetic renovation: fresh paint, new flooring, new lighting, modern plumbing fixtures and 'brand-new appliances' noted in the kitchen. Interiors look clean with no visible floor or drywall damage. Laundry room built-ins look serviceable though some cupboard doors are simply painted plywood and could use trim/finish. Carport and concrete walk/driveway show normal wear (minor staining). Overall only minor touch-ups and finish carpentry appear needed; missing cosmetic details are easy-to-fix capital items."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 78.0,
"rationale": "No visible exposed wiring, electrical panel cover present (panel visible in laundry). Entry door shows separate deadbolt and knob. No visible active water stains, mold, sagging ceilings, fallen ceilings, or foundation displacement. Bedroom windows/egress not pictured but exterior windows appear typical for egress on a single-story home. Deductions applied because no smoke detectors or CO alarms are visible in photos (required by NSPIRE), and GFCI outlets in kitchen/bath are not shown. Plumbing fixtures are described as new but hot water operation not verified from photos. These unknowns create moderate NSPIRE risk that can be remedied quickly if detectors/GFCIs are missing."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 80.0,
"rationale": "Roof appears even with no visible severe sagging or missing shingles in the photos; gutters and downspouts are present. Ceiling HVAC supply grille and return are visible indicating central HVAC; condenser unit not shown and operation not verified. Electrical panel accessible in laundry; washer/dryer present and properly connected. Water heater not photographed, so hot-water availability and age are unknown. Plumbing appears updated (listing claims new fixtures). Overall mechanical systems appear intact but functionality (HVAC operation, hot water, and appliance hookups) not directly confirmed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior brick is uniformly painted and in good cosmetic condition; soffits and fascia appear intact. Carport columns and concrete pad are serviceable. Yard grading looks reasonably sloped away from the house and no visible standing water or major erosion. Driveway shows surface staining but no large cracks. Wooden fence shown in side yard looks new. No visible infestation signs. Minor site cleanup and landscaping would complete curb appeal."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing text is accurate: kitchen has new appliances and granite counters as stated (kitchen close-ups partially visible).",
"Central HVAC is present and functional (supply/return grilles visible); full operational condition not verified from photos.",
"Water heater and hot water supply are present and functional though not pictured.",
"Bedrooms have code-compliant egress windows typical for a 1971 single-story ranch; no evidence of blocked/obstructed egress.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may not be present or not pictured and should be verified/installed to meet NSPIRE.",
"GFCI protection in kitchen and bathroom outlets not visible and should be verified/installed if absent.",
"No recent structural settlement or roof leaks exist beyond what is visible; exterior and roof photos show no signs of major failure."
],
"overall_score": 84.0,
"rubric_version": "nspt-2026-1.0"
},
{
"summary": "Overall this home appears largely turnkey for Housing Choice Voucher tenancy. The property shows recent full cosmetic updates, new appliances, sound exterior envelope, intact systems indicators (electrical panel, HVAC vents, laundry hookups) and no visible life‑threatening defects. Primary items to verify before inspection are presence and placement of smoke and carbon monoxide alarms (if required), GFCI protection in wet areas, and bedroom window egress dimensions. Mechanical items (HVAC operation, water heater age/function, and breaker testing) should be tested. With quick verification and minor checks (and if alarms/GFCI are installed or added), the property is likely to pass an initial HCV/NSPIRE inspection with minimal work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 90.0,
"rationale": "Photos and listing describe a full cosmetic rehab: fresh interior paint, all-new flooring, new lighting and plumbing fixtures, and brand-new kitchen appliances. Interior finishes appear intact with no visible floor, drywall, or ceiling damage. Exterior painted brick and carport look well maintained. Minor cosmetic items (decorative stone accent wall, small driveway stain) but no deferred-maintenance evidence. Missing appliances are not an issue here since the listing states new appliances and washer/dryer are shown."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 80.0,
"rationale": "No obvious life‑threatening hazards in photos: no exposed wiring, intact ceilings, intact electrical panel visible in laundry, secure front door with a secondary lock visible, no visible active water stains or mold. However critical NSPIRE checkpoints are not verifiable from photos: smoke detectors and CO alarm(s) are not visible, GFCI protection at kitchen/bath outlets cannot be confirmed, bedroom egress windows are not shown, and CO detection requirement depends on fuel appliances (not shown). These unknowns are common and should be verified prior to inspection. No visible loose/missing guardrails or unsafe stairs."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 78.0,
"rationale": "Interior shows ceiling vents and new appliances, suggesting central HVAC is present and laundry hookups are functional; an electrical panel is visible and appears intact. Plumbing fixtures are described as new. Roof shingles appear in serviceable condition with functioning gutters/downspouts. Water heater, HVAC condensing unit, and service tags are not shown — functionality/age of mechanicals is unverified. Recommend testing HVAC, hot water, and circuit breakers before voucher inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 88.0,
"rationale": "Exterior painted brick, gutters, downspouts, driveway and carport appear in good condition. Yard and walkways are clear with no visible standing water or major grading issues. A new/solid side fence is visible. Trees are close to the roof line (monitor for limb damage), but no visible foundation cracking, siding failure, or infestation evidence in photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Smoke detectors and carbon monoxide alarm(s) are not visible in photos — verify presence and placement prior to inspection.",
"Bedroom egress windows are not shown — verify that all bedrooms have compliant egress.",
"GFCI protection at kitchen and bathrooms not verifiable from photos — confirm GFCI outlets or protected circuits.",
"Water heater and outdoor HVAC unit not shown — mechanical functionality must be confirmed."
],
"confidence": 0.62,
"assumptions": [
"Listing is accurate: kitchen appliances are new and included.",
"Central HVAC is present and connected (round ceiling vents and thermostat/venting visible indicate central system).",
"No active roof leaks or interior water damage exist beyond what is shown in photos (no stains visible).",
"Bedrooms have egress windows meeting local size requirements unless otherwise noted; not visible in provided photos.",
"Smoke detectors, CO alarm(s), and GFCI outlets may exist but were not photographed; absence in photos does not mean they are absent in the house.",
"Water heater and outdoor HVAC condensing unit exist but were not shown in photos.",
"No recent rental activity in the last 5 years (rental_history event_count_5y = 0) — therefore rental history is excluded from scoring."
],
"overall_score": 84.0,
"rubric_version": "nsPIRE-v1-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "667 Queen Cir, Jackson, MS, 39209",
"aggregate": {
"summary": "This single-family home appears recently renovated and largely turn-key. Based on photos and listing text it is likely to pass an initial HCV/NSPIRE inspection after minor verifications and small items (installing/confirming smoke and CO alarms, confirming GFCI outlets, and verifying hot water/HVAC operation). No obvious structural or life-safety failures are visible.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 90.7,
"rationale": "Interior photos show fresh paint, new-looking flooring, new light fixtures/ceiling fans, updated plumbing fixtures, and clean finishes. Exterior brick painted and in good visual condition; carport and concrete in good shape. Washer/dryer present and appear new. No visible cosmetic deferred maintenance or damaged finishes. Missing minor items (no visible window coverings in some rooms) are easy cosmetic fixes."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 87.0,
"rationale": "Exterior painted brick and siding and gutters look well maintained. Driveway and carport concrete are in good condition; yard is graded away from house with no visible standing water. Fence and gate visible at side appear new. No evidence of infestation, foundation cracking, or significant site neglect in provided photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 79.3,
"rationale": "No visible exposed wiring, electrical panel is enclosed and located in laundry, entry door has both knob and deadbolt, no obvious trip hazards, ceilings and floors appear sound, no visible mold or active water stains. Photos do not show smoke detectors or CO alarms, and GFCI protection locations (kitchen/bath) are not visible — these are common NSPIRE checklist items and may require installation. Bedroom egress windows are not shown but the home appears to be standard single-story with typical window sizes; assume compliant but unconfirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 80.0,
"rationale": "Ceiling vents and round supply/return diffusers visible indicating central HVAC present; ceiling fans are functional. Electrical panel appears intact and labeled. Laundry hookups and new washer/dryer present. Roof shingles appear intact from photos with no visible sagging or active leaks. Water heater not visible in photos; listing states plumbing fixtures upgraded. Because major systems are not directly shown in operation, a modest risk reduction was applied."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing text is accurate: kitchen appliances (range, refrigerator) are present and functioning though not pictured.",
"Central HVAC is present and operational (inferred from ceiling diffusers/vents).",
"Hot water heater and domestic hot water are present and functioning (not pictured).",
"Bedrooms have compliant egress windows typical for a 1971 single-story layout (windows in photos are standard size).",
"Interior paint is fresh and not peeling; therefore no visible lead-hazard conditions despite 1971 construction.",
"Electrical panel shown is the main panel and is properly secured and grounded.",
"No hidden active roof leaks or major foundation movement are present (no visual evidence in exterior photos)."
],
"score_method": "mean_of_criteria",
"overall_score": 84.6,
"rubric_version": "nsPIRE-assess-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8075413237"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.