Property ID: 8103365659
2835 Glenderry St, Jackson, MS, 39212
Jackson, MS
Money Down: $21,600
CoC Return: 31.87%
Monthly Cash Flow: $574
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$18,000
Closing Costs
$3,600
Total Down
$21,600
Investment Snapshot
Purchase Price
$90,000
Money Down
$21,600
Cash-on-Cash Return
31.87%
Rent
$1,241
Monthly Cash Flow
$574
Annual Cash Flow
$6,884
Debt Service / Mo
$479
Property Tax / Mo
$39
Insurance / Mo
$25
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,241
Payment Standard
$1,620
Rent
$1,241
Insurance
$25
Property Tax
$39
Management
$124
Utilities Allowance
$379
NOI (Monthly)
$1,053
Debt Service
$479
Cash Flow After Debt
$574
Quality Score: 73.90%
Confidence: 95.00%
This 3BR/2BA single-family home appears to be recently renovated and largely rent-ready with good interior condition, functioning fixtures, central HVAC vents visible, and a fully fenced yard. The property is likely to pass an HCV/NSPIRE initial inspection after addressing a few items: verify and install required smoke and CO alarms, confirm GFCI protection in kitchen/bath outlets, repair or remove the deteriorated rear deck (trip hazard), and confirm electrical panel, water heater and heating system functionality. The seller's stated commitment to provide a stove mitigates the missing-appliance issue. Overall the unit rates as minor repairs needed and is likely rentable within 1–4 weeks given verification and small fixes.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,241
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$90,000
Beds
3
Baths
2
Living Area
1,050 sqft
Lot Size
13,068 sqft
Year Built
1979
Days on Market
137
Capital Outlay
$21,600
Debt Service
$479
Property Tax / Mo
$39
Insurance / Mo
$25
Property Description
Here is where your heart will fall in love. This is a great opportunity if you are looking for a 3 bedroom 2 bath affordable home nestled in Jackson. This home was fully renovated and is move in ready - The seller will place a new stove inside the home once the buyer is clear to close. This home has a nice floor plan with a spacious kitchen and plenty of storage, a spacious living room and very nice sized bedrooms. The backyard is fully fenced and there are 2 storage rooms off of the 2 car carport. This home while perfect for homebuyers to live in could also be a great addition to a rental portfolio. Rental rates for similar homes have been reported as high as $1550 per month in the area.
Utility Allowances
Air Conditioning
$12
Included as a standard feature for this property type and location.
Cooking
$11
Property has a stove. Electric fuel was selected as it is a plausible and more expensive option than natural gas, per instructions for unspecified fuel types.
Heating
$50
Property has heating. Electric fuel was selected as it is the most expensive plausible option, per instructions for unspecified fuel types.
Other Electric
$69
This covers general electricity usage for lights and standard outlets.
Range/Microwave
$3
Allowance for a tenant-owned microwave, as a landlord-provided one is not guaranteed in the primary property description.
Refrigerator
$4
Allowance for a tenant-owned refrigerator, as a landlord-provided one is not guaranteed in the primary property description.
Sewer
$60
Property information confirms connection to a public sewer system.
Trash Collection
$37
Standard municipal service for a single-family residence.
Water
$104
Property information confirms connection to a public water source.
Water Heating
$29
Required for hot water. Electric fuel was selected as it is a plausible and more expensive option than natural gas, per instructions for unspecified fuel types.
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$251
DP3 Annual Estimate$357
DP1 Monthly Equivalent$21
DP3 Monthly Equivalent$30
Replacement Value$12,512
Basis1,050 sqft / 1979
Nearby Houses
Photo unavailable
2834 Glenderry St
for_sale · 0.04 mi
Price: $95,000
3 bd / 2 ba · 1,418 sqft
Latest sale: —
Latest rent: $1,200 on Sep 05, 2025
Photo unavailable
1221 Glen Erin St
sold · 0.06 mi
Price: $10,500
3 bd / 1 ba · 1,254 sqft
Latest sale: — on May 07, 2025
Latest rent: —
Photo unavailable
1222 Tara Rd
sold · 0.10 mi
Price: $63,000
3 bd / 2 ba · 1,188 sqft
Latest sale: — on Jun 05, 2023
Latest rent: $750 on Aug 06, 2018
Photo unavailable
2909 Tara Rd
sold · 0.11 mi
Price: $13,000
3 bd / 1 ba · 1,141 sqft
Latest sale: — on Nov 22, 2023
Latest rent: $640 on Dec 03, 2018
Photo unavailable
2870 Revere St
for_sale · 0.12 mi
Price: $62,000
3 bd / 1 ba · 1,183 sqft
Latest sale: — on Dec 22, 2014
Latest rent: —
Photo unavailable
1221 Tara Rd
sold · 0.13 mi
Price: $32,900
3 bd / 2 ba · 1,260 sqft
Latest sale: — on Mar 20, 2024
Latest rent: $795 on Mar 21, 2018
Photo unavailable
1215 Tara Rd
sold · 0.14 mi
Price: $67,000
4 bd / 2 ba · 1,440 sqft
Latest sale: — on Jul 22, 2024
Latest rent: $1,495 on Aug 22, 2024
Photo unavailable
2944 Glenderry St
for_sale · 0.15 mi
Price: $62,000
3 bd / 2 ba · 1,700 sqft
Latest sale: —
Latest rent: $1,050 on Jul 27, 2024
Photo unavailable
2922 Revere St
sold · 0.15 mi
Price: $45,000
3 bd / 1 ba · 1,116 sqft
Latest sale: — on Jun 30, 2023
Latest rent: $975 on Aug 04, 2023
Photo unavailable
2815 Tara Rd
for_sale · 0.16 mi
Price: $54,900
3 bd / 2 ba · 1,376 sqft
Latest sale: — on Mar 26, 2013
Latest rent: $850 on Feb 12, 2024
Photo unavailable
2820 Revere St
off_market · 0.17 mi
Price: $89,000
3 bd / 1 ba · 1,198 sqft
Latest sale: —
Latest rent: $750 on May 21, 2015
Photo unavailable
2804 Revere St
sold · 0.19 mi
Price: $55,000
4 bd / 2 ba · 1,484 sqft
Latest sale: — on Aug 08, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No smoke alarms or CO detectors visible in photos - absence would be an automatic NSPIRE fail if not present.
- Rear wood deck/platform is deteriorated/partially collapsed-looking and presents a trip/fall hazard that must be repaired or removed.
- No photos of electrical panel or water heater - major systems not documented and must be verified for safety and code compliance.
- Potentially unverified GFCI protection at kitchen and bathroom outlets (not visible) - could cause inspection failure if missing.
- Bedroom egress window dimensions not confirmed — must verify to ensure compliance.
Assumptions
- Seller will deliver a working stove at closing as stated in the listing.
- Central HVAC is present and operational (supply vents visible) although the air handler/furnace is not photographed.
- Hot water heater and electrical service exist and are functional despite no photos of the units or electrical panel.
- Bedrooms have egress windows of code-compliant size; dimensions not confirmed from photos.
- Smoke detectors, carbon monoxide alarms and GFCI outlets are either not installed or not visible in photos and will need verification/installation.
- No hidden active leaks, mold, or major foundation movement exist beyond what is visible in the provided photos; severe hidden conditions are not apparent from images.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $453 | $15,640 | $2,346 |
| 2023 | $451 | $15,640 | $2,346 |
| 2021 | $451 | $15,640 | $2,346 |
| 2020 | $444 | $15,480 | $2,322 |
| 2019 | $444 | $15,480 | $2,322 |
| 2018 | $439 | $15,480 | $2,322 |
| 2017 | $439 | $15,480 | $2,322 |
| 2016 | $428 | $15,480 | $2,322 |
| 2015 | $411 | $15,330 | $2,300 |
| 2014 | $1,223 | $45,630 | $6,845 |
| 2013 | $1,190 | $45,630 | $6,845 |
| 2012 | $1,190 | $45,630 | $6,845 |
| 2010 | $587 | $45,420 | $4,542 |
| 2009 | $587 | $45,420 | $4,542 |
| 2008 | $587 | $39,630 | $3,963 |
| 2007 | $520 | $39,630 | $3,963 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-07-01 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-01-27 | Listed for rent | $1,300 | — |
| 2026-01-21 | Listed for rent | $1,300 | — |
| 2025-09-21 | Listed for rent | $1,400 | — |
| 2025-09-19 | Listed for rent | $1,450 | — |
| 2025-09-17 | Listed for rent | $1,500 | — |
| 2025-09-11 | Listed for rent | $1,600 | — |
| 2025-08-08 | Listed for rent | $1,600 | — |
Photo Gallery
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"https://ap.rdcpix.com/a971659197f01ae9be23a3a61a70fb37l-m3390832583s-w1280.jpg",
"https://ap.rdcpix.com/a971659197f01ae9be23a3a61a70fb37l-m1343614059s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 25.33,
"monthly_cash_flow": 1052.68,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Included as a standard feature for this property type and location.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Property has a stove. Electric fuel was selected as it is a plausible and more expensive option than natural gas, per instructions for unspecified fuel types.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Property has heating. Electric fuel was selected as it is the most expensive plausible option, per instructions for unspecified fuel types.",
"utility": "Heating",
"allowance": 50
},
{
"note": "This covers general electricity usage for lights and standard outlets.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Allowance for a tenant-owned microwave, as a landlord-provided one is not guaranteed in the primary property description.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Allowance for a tenant-owned refrigerator, as a landlord-provided one is not guaranteed in the primary property description.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Property information confirms connection to a public sewer system.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard municipal service for a single-family residence.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property information confirms connection to a public water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Required for hot water. Electric fuel was selected as it is a plausible and more expensive option than natural gas, per instructions for unspecified fuel types.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.7,
"down_payment_amount": 18000.0,
"property_tax_annual": 466.59,
"property_tax_monthly": 38.88,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"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": 6884.0,
"property_management_monthly": 124.1,
"monthly_cash_flow_after_debt": 573.67,
"cash_on_cash_return_after_debt": 0.38
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/2BA single-family home appears to be recently renovated and largely rent-ready with good interior condition, functioning fixtures, central HVAC vents visible, and a fully fenced yard. The property is likely to pass an HCV/NSPIRE initial inspection after addressing a few items: verify and install required smoke and CO alarms, confirm GFCI protection in kitchen/bath outlets, repair or remove the deteriorated rear deck (trip hazard), and confirm electrical panel, water heater and heating system functionality. The seller's stated commitment to provide a stove mitigates the missing-appliance issue. Overall the unit rates as minor repairs needed and is likely rentable within 1–4 weeks given verification and small fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Photos and listing state a full renovation and show clean, repainted walls, new-looking flooring (laminate and new carpet), updated bathroom tile and fixtures, functioning ceiling fans and intact ceilings. Kitchen has dishwasher and tile counters; seller will place a new stove at closing (currently absent). Observable deferred items: rear wood deck/platform is weathered and partially collapsed-looking and will require repair or removal; driveway has surface cracks; some trim/baseboard scuffs. Overall cosmetic condition is good with a few easy-to-fix exterior carpentry items and a missing stove (seller commitment mitigates)."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible (no sagging ceilings, no standing water, no exposed wiring). Interior shows intact doors/windows, functioning light fixtures and ceiling fans, and bathroom fixtures in place. However: no smoke detectors or carbon monoxide alarms are visible in the photos (absence would be an NSPIRE fail); GFCI protection at bath/kitchen outlets is not visible in photos; rear deck/platform appears a trip/fall hazard; bedroom egress windows appear to be standard size but exact dimensions and opening type are not documented and must be verified. Entry door appears to have a lock; presence of deadbolt is not clearly visible. These unknowns reduce score to a moderate compliance risk pending verification/installation of detectors and GFCIs and repair/removal of the deck hazard."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems",
"score": 75.0,
"rationale": "Ceiling supply vents visible in living and bedrooms indicate central HVAC present; roof shingles appear intact with no visible sag or major patching; bathroom and kitchen plumbing fixtures visible and appear functional; no visible signs of active leaks, mold or water stains. Missing/inconclusive evidence: photos do not show the electrical panel, water heater, furnace/air-handler, or service connections, so their condition and code compliance are unverified. Given the renovated cosmetic interior and visible vents, major system failure is unlikely but unconfirmed and requires inspection of mechanicals and panel to confirm full NSPIRE compliance."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Front elevation shows brick veneer in good condition and a functional carport/driveway. Backyard is fenced (listing confirms fully fenced yard) which is positive for rental readiness. Observed issues: rear wood deck/platform is weathered and partially dislodged (trip/safety concern); yard slopes and has surface debris/undergrowth but no standing water seen; driveway surface cracking present but not structurally failing. Siding and foundation visible from photos show no major cracks or movement, but only limited elevations are shown. Tree canopy is close to the roof — normal for older neighborhood but should be monitored."
},
{
"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 smoke alarms or CO detectors visible in photos - absence would be an automatic NSPIRE fail if not present.",
"Rear wood deck/platform is deteriorated/partially collapsed-looking and presents a trip/fall hazard that must be repaired or removed.",
"No photos of electrical panel or water heater - major systems not documented and must be verified for safety and code compliance.",
"Potentially unverified GFCI protection at kitchen and bathroom outlets (not visible) - could cause inspection failure if missing.",
"Bedroom egress window dimensions not confirmed — must verify to ensure compliance."
],
"confidence": 0.7,
"assumptions": [
"Seller will deliver a working stove at closing as stated in the listing.",
"Central HVAC is present and operational (supply vents visible) although the air handler/furnace is not photographed.",
"Hot water heater and electrical service exist and are functional despite no photos of the units or electrical panel.",
"Bedrooms have egress windows of code-compliant size; dimensions not confirmed from photos.",
"Smoke detectors, carbon monoxide alarms and GFCI outlets are either not installed or not visible in photos and will need verification/installation.",
"No hidden active leaks, mold, or major foundation movement exist beyond what is visible in the provided photos; severe hidden conditions are not apparent from images."
],
"overall_score": 75.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "This 3-bed, 2-bath home appears to be recently renovated and mostly turnkey for Section 8/HCV tenancy. Interiors and finishes look updated, HVAC vents and functioning fixtures are present, and the seller will install a stove at closing. Primary inspection risks from photos are missing/undocumented smoke detectors and CO/GFCI protection, and a deteriorated rear deck that presents a trip hazard. No severe structural or life-safety failures are visible. With installation of required alarms, verification of HVAC and water heater operation, and repair or removal of the rear deck, this property is likely to pass an initial NSPIRE/HCV inspection within a short timeline (many items are minor/quick fixes).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears freshly renovated: new-looking flooring, painted walls, renovated kitchen and bathroom tile, working light fixtures and ceiling fans. No visible water stains, peeling paint, or severe cosmetic damage. Missing range/stove is disclosed but seller will install at close (reduces score moderately). Exterior plywood/deck in backyard shows weathering and needs repair but is not structural. Overall mostly cosmetic/finish items and one exterior deck repair."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 68.0,
"rationale": "No exposed wiring seen, electrical covers and switches present, entry door has a deadbolt, windows present in bedrooms (egress likely adequate based on window size in photos). Bathroom and kitchen fixtures appear functional. However there are no clearly visible smoke detectors or carbon monoxide alarms in the photos (NSPIRE requires smoke detectors in hallways and bedrooms as applicable) and no visible GFCI in kitchen photos — these are common inspection fails. No visible mold, major leaks, sagging ceilings or open electrical panels were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 72.0,
"rationale": "Ceiling HVAC vents/registers visible indicating central HVAC present; ceiling vents and ceiling fan fixtures appear functional. Bathroom fixtures, tub and toilet look recently updated. Roof shingles appear intact from photos with no visible sagging or active leaks. Water heater and HVAC equipment are not shown; their operational status is assumed but not verified. Electrical panel not pictured but interior outlets and lighting work in photos. Given visible finishes and vents, systems appear serviceable but unverified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick front and siding look intact; driveway has surface cracking but is serviceable. Backyard is fully fenced as listed; rear wood deck/platform is weathered and partially deteriorated (trip hazard). Yard slopes and has some debris/leaf litter but no standing water visible. No obvious foundation movement or major exterior structural defects visible from provided photos."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No clearly visible smoke detectors in hallway/bedrooms in provided photos (NSPIRE failure risk).",
"No visible carbon monoxide alarm in photos (if gas appliances present this would be required).",
"Rear wood deck/platform is deteriorated and presents a trip/fall hazard — needs repair or removal prior to inspection.",
"GFCI protection not visible in kitchen photos (potential code fail if absent)."
],
"confidence": 0.7,
"assumptions": [
"Seller will install a stove at closing as stated in listing; current absence reduces condition score but is considered fixable.",
"Central HVAC exists and is operational because ceiling vents/registers are visible; actual heating/cooling function and age not verified.",
"Water heater is present and functioning though not pictured; hot water supply is assumed but should be confirmed during inspection.",
"Electrical panel, smoke detectors, CO alarms and GFCI outlets were not photographed — their absence in photos does not prove absence in property; score penalizes for lack of visible smoke/CO detectors and GFCI evidence.",
"No active roof leaks or major foundation movement inferred because no interior water stains, sagging ceilings, or large exterior cracks are visible; this is an assumption based on photos.",
"Backyard deck is treated as deteriorated/raised platform and a trip hazard based on photos showing weathered boards and low support — condition likely requires repair or removal."
],
"overall_score": 73.0,
"rubric_version": "2026-02-16_v1"
},
{
"summary": "Overall the property appears largely renovated and close to turnkey for a Housing Choice Voucher inspection. Interior finishes, flooring, bath and kitchen tiling look recently updated and livable. Major systems appear present (HVAC vents visible, roof in reasonable condition) and the backyard is fenced. Primary inspection risks are absence/uncertainty of properly installed smoke detectors in required locations, GFCI protection in kitchen/bath not verifiable from photos, an aged rear deck that may present a trip/fall hazard, and lack of visible evidence for the water heater/electrical panel condition. With quick checks/repairs (install/verify smoke & CO detectors, ensure GFCI outlets, replace or secure rear deck, verify deadbolt and service panels), this property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Photos and listing describe a full renovation. Interior finishes (floors, paint, tile counters and tub surround) look new or recently replaced. Missing range/stove is noted but seller will install at close — a moderate, easy-to-fix item. Minor exterior items (driveway cracks, aged backyard deck) and cosmetic trim/thresholds reduce score slightly but no widespread deferred maintenance visible."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No visible exposed wiring, plumbing fixtures and tub appear finished, and HVAC vents are present. However required safety items are not clearly visible in photos: dedicated smoke detectors in each sleeping area and outside bedrooms are not clearly shown (one square ceiling device could be a vent or detector but not confirmed). GFCI outlets in kitchen/bath are not identifiable in photos. Entry door deadbolt not clearly visible. No evidence of major water intrusion, active leaks, or collapsed ceilings. Because missing/uncertain smoke/CO/GFCI protection is a common NSPIRE fail, score is reduced to reflect inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 75.0,
"rationale": "Roof shingles appear intact from photos with no visible sag or large patching. Interior shows ceiling vents indicating central HVAC likely present. Plumbing fixtures (toilet, sink, tub/shower) appear installed and in good cosmetic condition. Electrical panel and water heater are not shown, so their condition is unknown. No visible signs of system failure, but lack of direct evidence of water heater and electrical service condition reduces score moderately."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick front elevation and carport appear serviceable. Backyard is fenced which is positive, but the rear deck appears weathered/partially collapsed or very low and may be a trip/fall hazard. Driveway has surface cracking. Yard slopes downhill from house (drainage should be checked). Fencing and storage rooms off carport are useful for tenants. Overall serviceable but some exterior attention recommended."
},
{
"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 clearly visible smoke detectors in hallways and bedrooms (NSPIRE fail risk)",
"Rear deck appears deteriorated/partially collapsed — trip/fall hazard",
"GFCI protection in kitchen and bathroom outlets not verifiable from photos",
"No visible evidence of electrical panel or water heater condition (unknown electrical/water system issues)"
],
"confidence": 0.75,
"assumptions": [
"Listing statement that home was 'fully renovated' is accurate and interior photos represent typical condition throughout the unit.",
"Central HVAC exists and is operational because supply vents are visible in multiple rooms; no separate heating equipment was photographed.",
"Water heater and electrical panel are present and serviceable although not shown in photos; their exact condition is unknown.",
"Seller will install a new stove at closing as stated in listing; gas line/electrical hookup for stove is assumed safe but not photographed.",
"Square ceiling device(s) observed (one in hallway/bath) could be ventilation or a smoke detector; specific smoke/CO detector placement is not confirmed in bedrooms or corridors.",
"No evidence of active roof leaks, major foundation movement, or severe mold was visible in the provided photos; these issues are assumed absent unless uncovered in an in-person inspection."
],
"overall_score": 75.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2835 Glenderry St, Jackson, MS, 39212",
"aggregate": {
"summary": "This 3BR/2BA single-family home appears to be recently renovated and largely rent-ready with good interior condition, functioning fixtures, central HVAC vents visible, and a fully fenced yard. The property is likely to pass an HCV/NSPIRE initial inspection after addressing a few items: verify and install required smoke and CO alarms, confirm GFCI protection in kitchen/bath outlets, repair or remove the deteriorated rear deck (trip hazard), and confirm electrical panel, water heater and heating system functionality. The seller's stated commitment to provide a stove mitigates the missing-appliance issue. Overall the unit rates as minor repairs needed and is likely rentable within 1–4 weeks given verification and small fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 79.3,
"rationale": "Photos and listing state a full renovation and show clean, repainted walls, new-looking flooring (laminate and new carpet), updated bathroom tile and fixtures, functioning ceiling fans and intact ceilings. Kitchen has dishwasher and tile counters; seller will place a new stove at closing (currently absent). Observable deferred items: rear wood deck/platform is weathered and partially collapsed-looking and will require repair or removal; driveway has surface cracks; some trim/baseboard scuffs. Overall cosmetic condition is good with a few easy-to-fix exterior carpentry items and a missing stove (seller commitment mitigates)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Front elevation shows brick veneer in good condition and a functional carport/driveway. Backyard is fenced (listing confirms fully fenced yard) which is positive for rental readiness. Observed issues: rear wood deck/platform is weathered and partially dislodged (trip/safety concern); yard slopes and has surface debris/undergrowth but no standing water seen; driveway surface cracking present but not structurally failing. Siding and foundation visible from photos show no major cracks or movement, but only limited elevations are shown. Tree canopy is close to the roof — normal for older neighborhood but should be monitored."
},
{
"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": 69.3,
"rationale": "No obvious life-threatening hazards visible (no sagging ceilings, no standing water, no exposed wiring). Interior shows intact doors/windows, functioning light fixtures and ceiling fans, and bathroom fixtures in place. However: no smoke detectors or carbon monoxide alarms are visible in the photos (absence would be an NSPIRE fail); GFCI protection at bath/kitchen outlets is not visible in photos; rear deck/platform appears a trip/fall hazard; bedroom egress windows appear to be standard size but exact dimensions and opening type are not documented and must be verified. Entry door appears to have a lock; presence of deadbolt is not clearly visible. These unknowns reduce score to a moderate compliance risk pending verification/installation of detectors and GFCIs and repair/removal of the deck hazard."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems",
"score": 74.0,
"rationale": "Ceiling supply vents visible in living and bedrooms indicate central HVAC present; roof shingles appear intact with no visible sag or major patching; bathroom and kitchen plumbing fixtures visible and appear functional; no visible signs of active leaks, mold or water stains. Missing/inconclusive evidence: photos do not show the electrical panel, water heater, furnace/air-handler, or service connections, so their condition and code compliance are unverified. Given the renovated cosmetic interior and visible vents, major system failure is unlikely but unconfirmed and requires inspection of mechanicals and panel to confirm full NSPIRE compliance."
}
],
"red_flags": [
"No smoke alarms or CO detectors visible in photos - absence would be an automatic NSPIRE fail if not present.",
"Rear wood deck/platform is deteriorated/partially collapsed-looking and presents a trip/fall hazard that must be repaired or removed.",
"No photos of electrical panel or water heater - major systems not documented and must be verified for safety and code compliance.",
"Potentially unverified GFCI protection at kitchen and bathroom outlets (not visible) - could cause inspection failure if missing.",
"Bedroom egress window dimensions not confirmed — must verify to ensure compliance."
],
"confidence": 0.95,
"assumptions": [
"Seller will deliver a working stove at closing as stated in the listing.",
"Central HVAC is present and operational (supply vents visible) although the air handler/furnace is not photographed.",
"Hot water heater and electrical service exist and are functional despite no photos of the units or electrical panel.",
"Bedrooms have egress windows of code-compliant size; dimensions not confirmed from photos.",
"Smoke detectors, carbon monoxide alarms and GFCI outlets are either not installed or not visible in photos and will need verification/installation.",
"No hidden active leaks, mold, or major foundation movement exist beyond what is visible in the provided photos; severe hidden conditions are not apparent from images."
],
"score_method": "mean_of_criteria",
"overall_score": 73.9,
"rubric_version": "2026-02-hcv-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8103365659"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.