Property ID: 8121257867
613 Tifton Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $20,400
CoC Return: 29.86%
Monthly Cash Flow: $508
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
29.86%
Rent
$1,345
Monthly Cash Flow
$508
Annual Cash Flow
$6,092
Debt Service / Mo
$452
Property Tax / Mo
$186
Insurance / Mo
$65
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,345
Payment Standard
$1,790
Rent
$1,345
Insurance
$65
Property Tax
$186
Management
$134
Utilities Allowance
$445
NOI (Monthly)
$960
Debt Service
$452
Cash Flow After Debt
$508
Quality Score: 66.00%
Confidence: 85.00%
Based on the single exterior photo and listing, the property appears structurally sound from the outside with a well-maintained brick exterior and intact roofline. Key NSPIRE safety items and major systems cannot be confirmed from available data, so moderate inspection risk remains. Likely requires routine cosmetic updates, verification/installation of smoke/CO detectors and GFCIs, and mechanical servicing; generally rent-ready after minor repairs and system checks (estimated within 2–4 weeks if no hidden issues).
Section 8 Payment Standard
$1,790
Utility Allowance Total
$445
Guaranteed Section 8 Rent (PS - Utilities)
$1,345
Property Management
$134
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
4
Baths
2
Living Area
1,621 sqft
Lot Size
2,178 sqft
Year Built
1970
Days on Market
150
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$186
Insurance / Mo
$65
Property Description
4 bedroom, 2 bath, fireplace, den, foyer double garage, brick exterior, and fenced back yard.
Utility Allowances
Air Conditioning
$16
The property includes central air conditioning.
Heating
$64
The property has 'Central' heating. The fuel type was not specified, so 'Electric' was chosen for consistency with other electric appliances and is the most expensive option among non-gas fuels.
Cooking
$14
The property's appliance list specifies an 'Electric Cooktop'.
Water Heating
$37
The water heater fuel type was not specified. 'Electric' was chosen for consistency with other electric appliances.
Other Electric
$88
This is a standard allowance for general tenant-paid electrical use not covered by other specific items.
Water
$116
The property is listed as having a 'Public' water source.
Sewer
$70
The property is listed as having 'Public Sewer'.
Trash Collection
$37
This is a standard utility for single-family homes and is included in the utility allowance schedule.
Range/Microwave
$3
A microwave is not listed as a provided appliance, so this allowance for a tenant-owned microwave is included.
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$758
DP3 Annual Estimate$793
DP1 Monthly Equivalent$63
DP3 Monthly Equivalent$66
Replacement Value$62,670
Basis1,621 sqft / 1970
Nearby Houses
Photo unavailable
607 Spryfield Rd
for_sale · 0.04 mi
Price: $162,545
3 bd / 2 ba · 1,711 sqft
Latest sale: — on May 21, 2025
Latest rent: $1,550 on May 30, 2025
Photo unavailable
633 Briarcliff Cir
sold · 0.05 mi
Price: $52,900
3 bd / 2 ba · 1,515 sqft
Latest sale: — on Dec 15, 2023
Latest rent: $1,400 on Jan 12, 2024
Photo unavailable
631 Tifton Dr
for_sale · 0.05 mi
Price: $159,000
3 bd / 2 ba · 1,477 sqft
Latest sale: — on Mar 17, 2025
Latest rent: —
Photo unavailable
613 Briarcliff Cir
sold · 0.07 mi
Price: $17,500
2 bd / 1 ba · 1,519 sqft
Latest sale: — on Aug 27, 2025
Latest rent: —
Photo unavailable
640 Briarcliff Cir
sold · 0.08 mi
Price: $30,000
3 bd / 1 ba · 1,594 sqft
Latest sale: — on Jun 29, 2023
Latest rent: $850 on Nov 19, 2020
Photo unavailable
640 Tifton Dr
sold · 0.08 mi
Price: $60,000
3 bd / 2 ba · 1,465 sqft
Latest sale: — on Sep 29, 2023
Latest rent: $1,700 on Jun 11, 2024
Photo unavailable
609 Briarcliff Cir
sold · 0.09 mi
Price: $60,000
3 bd / 2 ba · 1,613 sqft
Latest sale: — on Sep 08, 2025
Latest rent: —
Photo unavailable
613 Upper Darby Rd
for_sale · 0.10 mi
Price: $56,000
3 bd / 2 ba · 1,690 sqft
Latest sale: — on Apr 04, 2018
Latest rent: $975 on Apr 25, 2018
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos and system/service records are not provided; this assessment assumes typical 1970s single-story interior condition (some cosmetic wear, possible dated finishes).
- No visible exterior structural distress (sagging roof, foundation cracks) in supplied photo; assume none present but not inspected closely.
- Heating and cooling systems exist (forced air or similar) but condition and age are unknown; assume functional but may need service.
- Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible in images; assume they may be missing or need verification/relocation to meet NSPIRE.
- Listing notes a fenced backyard and double garage; these features are present but not photographed in detail.
- No evidence in the photo of active roof leaks, major water intrusion, or collapsed elements; hidden interior water damage cannot be ruled out.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $2,165 | $74,670 | $11,201 |
| 2023 | $2,154 | $74,670 | $11,201 |
| 2021 | $2,155 | $74,670 | $11,201 |
| 2020 | $2,121 | $73,910 | $11,087 |
| 2019 | $2,122 | $73,910 | $11,087 |
| 2018 | $2,099 | $73,910 | $11,087 |
| 2017 | $2,100 | $73,910 | $11,087 |
| 2016 | $2,044 | $73,910 | $11,087 |
| 2015 | $1,945 | $72,460 | $10,869 |
| 2014 | $1,943 | $72,460 | $10,869 |
| 2013 | $1,889 | $72,460 | $10,869 |
| 2012 | $1,889 | $72,460 | $10,869 |
| 2011 | $1,940 | $75,490 | $11,324 |
| 2010 | $985 | $75,490 | $7,549 |
| 2009 | $985 | $75,490 | $7,549 |
| 2008 | $985 | $63,660 | $6,366 |
| 2007 | $837 | $63,660 | $6,366 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2010-09-20 | Sold | — |
Photo Gallery
Show raw JSON (debug)
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{
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{
"note": "This is a standard allowance for general tenant-paid electrical use not covered by other specific items.",
"utility": "Other Electric",
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{
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{
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{
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{
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"summary": "Based on the single exterior photo and listing, the property appears structurally sound from the outside with a well-maintained brick exterior and intact roofline. Key NSPIRE safety items and major systems cannot be confirmed from available data, so moderate inspection risk remains. Likely requires routine cosmetic updates, verification/installation of smoke/CO detectors and GFCIs, and mechanical servicing; generally rent-ready after minor repairs and system checks (estimated within 2–4 weeks if no hidden issues).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior brick façade appears intact with no obvious major damage in the provided photo. Property is 1970 vintage, so interior likely shows age-related cosmetic wear (flooring, paint, trim) and probable minor repairs. Listing mentions basic features (4 bed/2 bath, den, fireplace) but no interior photos to confirm appliance condition; missing appliances would moderately reduce readiness but are not evident. No visible water stains or collapsed elements outside."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No life-threatening exterior hazards observed (no sagging roof, no collapsed structures). However essential NSPIRE items cannot be confirmed from the exterior photo: presence/placement of smoke/CO detectors, GFCI in kitchen/baths, secure deadbolts, interior egress window sizes, and exposed wiring status. The roof appears generally intact from the ground; entry looks secure but deadbolt presence unknown. Moderate risk due to unknown interior safety compliance."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Roofline looks even and without visible large leaks or sagging from provided image, suggesting no acute roof failure. No HVAC equipment is visible and listing does not state system condition; age (1970) implies likely need for inspection/possible servicing of HVAC, water heater and electrical. Without interior photos or service records, mechanical systems risk is moderate — likely functional but could need repairs or replacement given age."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard, walkways, and site safety",
"score": 75.0,
"rationale": "Brick exterior and attached double garage are intact in the image. Driveway and front yard show normal wear; trees close to house could require maintenance (limb/leaf cleanup). Listing states fenced backyard (not pictured) which is favorable for Section 8 families with children. No visible standing water, major grading issues, or infestation evidence in the provided image."
}
],
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"confidence": 0.55,
"assumptions": [
"Interior photos and system/service records are not provided; this assessment assumes typical 1970s single-story interior condition (some cosmetic wear, possible dated finishes).",
"No visible exterior structural distress (sagging roof, foundation cracks) in supplied photo; assume none present but not inspected closely.",
"Heating and cooling systems exist (forced air or similar) but condition and age are unknown; assume functional but may need service.",
"Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible in images; assume they may be missing or need verification/relocation to meet NSPIRE.",
"Listing notes a fenced backyard and double garage; these features are present but not photographed in detail.",
"No evidence in the photo of active roof leaks, major water intrusion, or collapsed elements; hidden interior water damage cannot be ruled out."
],
"overall_score": 67.0,
"rubric_version": "ns-pv1.0"
},
{
"summary": "Based on the single exterior photo and listing information, the property appears structurally intact and likely rentable after minor-to-moderate repairs and verification of systems. Primary concerns for a Housing Choice Voucher inspection are unverified safety items (smoke/CO detectors, GFCI, bedroom egress) and aging mechanical systems (HVAC, water heater, roof). The age (1970) introduces a likely lead-based paint disclosure/mitigation requirement. With a quick interior verification and remediation of detector/GFCI items plus any necessary system servicing, the property is likely to pass an initial HCV inspection within ~30 days; however system replacements or lead remediation could extend that timeline.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Exterior brick appears intact and the lot/driveway look serviceable from the provided front photo. No obvious major exterior deterioration visible. Interior photos not provided; given year built (1970) expect cosmetic updates (flooring, paint, cabinets, fixtures) and likely minor deferred maintenance. Missing interior/appliance photos reduce certainty but missing appliances alone are assumed moderate risk and do not heavily penalize. Overall likely minor-to-moderate cosmetic work required to meet market expectations."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risks",
"score": 55.0,
"rationale": "Photo shows no obvious structural sagging, active roof collapse, or standing water. However critical safety items cannot be confirmed from available materials: smoke/CO detectors, GFCI outlets, bedroom egress, deadbolt locks, and exposed wiring/electrical panel status are unknown. The home was built in 1970, creating a material risk for lead-based paint hazards unless properly remediated/disclosed. Because many required safety items are unverifiable and lead-risk is likely due to age, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 50.0,
"rationale": "No HVAC units, water heater, electrical panel, or plumbing fixtures are visible in the listing/photos. The roof appears aged but not visibly collapsed; however roofing life expectancy on a 1970-era home is a concern. Without interior/system photos or service history, assume systems are original or aging and would require inspection and likely servicing/replacement. This creates moderate to significant inspection risk until verified operational."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Brick exterior looks intact, single-story layout is favorable for egress and accessibility. Driveway and front yard appear even and usable; mature trees provide cover but could imply deferred tree/roof maintenance. Listing states fenced backyard and double garage; fence and backyard condition not visible. No visible major foundation problems, severe grading/drainage issues, or infestation evidence from provided photo."
}
],
"red_flags": [
"Potential lead-based paint hazard (property built in 1970; lead disclosure/remediation likely required prior to leasing under HUD rules)"
],
"confidence": 0.55,
"assumptions": [
"Interior photos and system service records not provided; assumed interior exists in fair-to-average condition typical of an unrenovated 1970 home.",
"No visible active structural failure in the provided exterior photo; roof is assumed aged but not imminently collapsed.",
"Heating and cooling equipment, water heater, and kitchen appliances are not shown. For scoring, assume HVAC and hot water exist but may be original/aging and require inspection/servicing.",
"Listing statement of fenced backyard and double garage is accurate though not visible in supplied image.",
"No obvious signs of mold, severe pest infestation, or fire damage were visible from the provided materials; absence of evidence is not evidence of absence.",
"Because the home was built in 1970, assume lead-based paint risk until proven otherwise per HUD requirements."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on the single exterior photo and listing, the property appears broadly serviceable and likely passable for a Housing Choice Voucher inspection after routine minor repairs and verification of safety items. Primary unknowns are interior smoke/CO detectors, GFCI protection, bedroom egress windows, and the condition/operation of HVAC, plumbing, and electrical systems. The home’s 1970 build date creates a lead-based paint compliance requirement that will need addressing. Expect minor-to-moderate work (cosmetic touch-ups, safety-device installation/verification, mechanical service) before becoming Section 8 ready; estimated time-to-rent readiness ~2–6 weeks depending on system condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior brick façade and roofline appear intact in provided photo; no visible collapsed areas, severe siding damage, or major exterior deterioration. Listing indicates 4 beds/2 baths and attached double garage which suggests a complete unit. Visible issues are limited to lawn/landscape neglect and general age-related wear. Interior condition not provided; missing interior photos means minor interior cosmetic issues (paint, flooring, fixtures) are possible but not visible. Missing/unknown appliances could reduce readiness but are not treated as catastrophic. Overall, likely minor repairs and cosmetic work required to be rent-ready."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 65.0,
"rationale": "No interior images to confirm smoke/CO detectors, GFCIs, bedroom egress, stair/handrail condition, or visible exposed wiring. Exterior photo shows no obvious structural sagging, standing water, or collapsed elements. Property built in 1970 creates a lead-based paint/risk-paint compliance obligation; absence of interior condition increases risk score. Given the unknowns around smoke detectors, egress, GFCI outlets, and potential lead-based paint, moderate deduction applied. No immediate life-threatening hazards are visible from exterior."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 60.0,
"rationale": "Roof appears reasonably intact from the single exterior photo (no visible large patches of missing shingles or sagging). However, no interior or mechanical photos to verify working HVAC, water heater, plumbing, or electrical panel condition. Home age (1970) increases likelihood of older mechanical systems needing service or replacement. Absence of visible heating/AC equipment or electrical panel forces conservative score reflecting inspection risk for mechanical failures."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick exterior and attached double garage are positive indicators; fenced backyard listed. Driveway and front yard appear serviceable though landscaping is neglected (leaf cover/shade). Mature trees close to the roof may increase roof/debris and gutter maintenance needs. No visible foundation settlement, major grading or obvious site hazards in the provided photo."
}
],
"red_flags": [
"potential_lead_based_paint_risk_due_to_year_built_1970 (requires disclosure/inspection)",
"unknown_smoke_and_co_detector_presence (must verify/install to meet NSPIRE)",
"mechanical_systems_unverified (HVAC / water heater / electrical condition unknown and could fail inspection)"
],
"confidence": 0.55,
"assumptions": [
"Only one exterior photo provided; no interior images or mechanical photos were available.",
"Roof is assumed visually intact based on the provided photo but has not been inspected for leaks or underlayment issues.",
"Interior safety devices (smoke and CO detectors), GFCI outlets, and working plumbing/HW are unknown; assumed possibly present but not guaranteed.",
"Appliances (stove, refrigerator) are not visible; assumed either present or easily replaceable. Missing appliances would moderately reduce readiness but not be disqualifying.",
"HVAC and water heater are present but unverified; age of home increases probability they may need service or replacement.",
"No visible structural sagging, collapsed ceilings, standing water, or major exterior cracks observed in the provided photo.",
"Listing information (4 bed/2 bath, fenced backyard, fireplace, double garage) is accurate.",
"Lead-based paint risk exists due to year built (1970); interior surfaces may require lead hazard evaluation and disclosures."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "613 Tifton Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Based on the single exterior photo and listing, the property appears structurally sound from the outside with a well-maintained brick exterior and intact roofline. Key NSPIRE safety items and major systems cannot be confirmed from available data, so moderate inspection risk remains. Likely requires routine cosmetic updates, verification/installation of smoke/CO detectors and GFCIs, and mechanical servicing; generally rent-ready after minor repairs and system checks (estimated within 2–4 weeks if no hidden issues).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 71.7,
"rationale": "Exterior brick façade appears intact with no obvious major damage in the provided photo. Property is 1970 vintage, so interior likely shows age-related cosmetic wear (flooring, paint, trim) and probable minor repairs. Listing mentions basic features (4 bed/2 bath, den, fireplace) but no interior photos to confirm appliance condition; missing appliances would moderately reduce readiness but are not evident. No visible water stains or collapsed elements outside."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard, walkways, and site safety",
"score": 75.0,
"rationale": "Brick exterior and attached double garage are intact in the image. Driveway and front yard show normal wear; trees close to house could require maintenance (limb/leaf cleanup). Listing states fenced backyard (not pictured) which is favorable for Section 8 families with children. No visible standing water, major grading issues, or infestation evidence in the provided image."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 61.7,
"rationale": "No life-threatening exterior hazards observed (no sagging roof, no collapsed structures). However essential NSPIRE items cannot be confirmed from the exterior photo: presence/placement of smoke/CO detectors, GFCI in kitchen/baths, secure deadbolts, interior egress window sizes, and exposed wiring status. The roof appears generally intact from the ground; entry looks secure but deadbolt presence unknown. Moderate risk due to unknown interior safety compliance."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 56.7,
"rationale": "Roofline looks even and without visible large leaks or sagging from provided image, suggesting no acute roof failure. No HVAC equipment is visible and listing does not state system condition; age (1970) implies likely need for inspection/possible servicing of HVAC, water heater and electrical. Without interior photos or service records, mechanical systems risk is moderate — likely functional but could need repairs or replacement given age."
}
],
"red_flags": [],
"confidence": 0.85,
"assumptions": [
"Interior photos and system/service records are not provided; this assessment assumes typical 1970s single-story interior condition (some cosmetic wear, possible dated finishes).",
"No visible exterior structural distress (sagging roof, foundation cracks) in supplied photo; assume none present but not inspected closely.",
"Heating and cooling systems exist (forced air or similar) but condition and age are unknown; assume functional but may need service.",
"Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible in images; assume they may be missing or need verification/relocation to meet NSPIRE.",
"Listing notes a fenced backyard and double garage; these features are present but not photographed in detail.",
"No evidence in the photo of active roof leaks, major water intrusion, or collapsed elements; hidden interior water damage cannot be ruled out."
],
"score_method": "mean_of_criteria",
"overall_score": 66.0,
"rubric_version": "ns-pv1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8121257867"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.