Property ID: 8157495587

5448 Crepe Myrtle Dr, Jackson, MS, 39206

Jackson, MS

For Sale Feb 16, 2026 11:00 PM UTC Realtor Street View
Money Down: $31,200 CoC Return: 12.58% Monthly Cash Flow: $327
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,000
Closing Costs
$5,200
Total Down
$31,200
Primary property image

Investment Snapshot

Purchase Price
$130,000
Money Down
$31,200
Cash-on-Cash Return
12.58%
Rent
$1,248
Monthly Cash Flow
$327
Annual Cash Flow
$3,926
Debt Service / Mo
$692
Property Tax / Mo
$68
Insurance / Mo
$36

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,248
Payment Standard
$1,690
Rent
$1,248
Insurance
$36
Property Tax
$68
Management
$125
Utilities Allowance
$442
NOI (Monthly)
$1,019
Debt Service
$692
Cash Flow After Debt
$327

Quality Score: 77.60%

Confidence: 95.00%

This single-family home appears largely turnkey for a Housing Choice Voucher inspection with recent interior cosmetic updates, working kitchen appliances, intact roofline and visible central HVAC. Primary inspection risks from photos are absence/uncertainty of smoke and CO detectors, unknown presence of GFCI protection in kitchen/bath, and unverified water heater and HVAC operational status. With quick verification/installation of detectors, confirmation of GFCI and system operation, and minor exterior/step details addressed, the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.

Section 8 Payment Standard
$1,690
Utility Allowance Total
$442
Guaranteed Section 8 Rent (PS - Utilities)
$1,248
Property Management
$125

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$130,000
Beds
4
Baths
2
Living Area
1,400 sqft
Lot Size
15,246 sqft
Year Built
1956
Days on Market
127
Capital Outlay
$31,200
Debt Service
$692
Property Tax / Mo
$68
Insurance / Mo
$36

Property Description

Welcome Home! This charming 4-bedroom, 2-bath home features updated flooring, fresh paint, and stainless steel appliances. The layout offers comfortable living with a warm, easy flow throughout. Enjoy the large backyard and nice-sized deck-perfect for gatherings or quiet evenings outdoors. Conveniently located in a great area close to shops, dining, and everyday conveniences, this home is ideal for first-time buyers or a great addition to a rental portfolio. Don't miss your chance to make this home yours, schedule your showing today!

Utility Allowances

Air Conditioning
$16
Based on the 4-bedroom value for a fixed utility. Air conditioning is assumed for a single-family home in this climate.
Cooking
$14
Based on the 4-bedroom value for electric cooking. An electric stove appears in property photos and aligns with 'stainless steel appliances' in the description.
Heating
$64
Based on the 4-bedroom value for electric heating. The fuel source was not specified, so the more expensive common option was chosen per instructions.
Other Electric
$88
Based on the 4-bedroom value for this fixed utility, covering lights and tenant-plugged-in appliances.
Range/Microwave
$0
A range is provided by the landlord, as stated ('stainless steel appliances') and seen in photos, so the tenant allowance is $0.
Refrigerator
$0
A refrigerator is provided by the landlord, as stated ('stainless steel appliances') and seen in photos, so the tenant allowance is $0.
Sewer
$70
Based on the 4-bedroom value for this fixed utility. The property listing confirms connection to 'Public Sewer'.
Trash Collection
$37
Based on the 4-bedroom value for this fixed utility. Assumed to be a tenant responsibility as is standard for single-family homes.
Water
$116
Based on the 4-bedroom value for this fixed utility. The property listing confirms connection to a 'Public' water source.
Water Heating
$37
Based on the 4-bedroom value for electric water heating. This choice is consistent with the assumption for the main heating fuel source.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$400
DP3 Annual Estimate$476
DP1 Monthly Equivalent$33
DP3 Monthly Equivalent$40
Replacement Value$26,660
Basis1,400 sqft / 1956

Nearby Houses

Nearby house 1
Photo unavailable

5421 Crepe Myrtle Dr

off_market · 0.04 mi
Price: $1,300
4 bd / 2 ba
Latest sale: —
Latest rent: —
Nearby house 2
Photo unavailable

123 Chatham Cir

sold · 0.06 mi
Price: $129,000
3 bd / 2 ba · 1,619 sqft
Latest sale: —
Latest rent: —
Nearby house 3
Photo unavailable

138 Barnes St

sold · 0.07 mi
Price: $49,000
3 bd / 2 ba · 1,473 sqft
Latest sale: —
Latest rent: —
Nearby house 4
Photo unavailable

5445 Crepe Myrtle Ct

sold · 0.08 mi
Price: $49,000
3 bd / 1 ba · 1,150 sqft
Latest sale: —
Latest rent: —
Nearby house 5
Photo unavailable

5413 Crepe Myrtle Dr

for_sale · 0.08 mi
Price: $150,000
3 bd / 2 ba · 1,600 sqft
Latest sale: —
Latest rent: —
Nearby house 6
Photo unavailable

151 Chatham Cir

sold · 0.08 mi
Price: $130,000
3 bd / 2 ba · 1,400 sqft
Latest sale: —
Latest rent: —
Nearby house 7
Photo unavailable

5523 Crepe Myrtle Dr

off_market · 0.11 mi
Price: $18,500
— bd / — ba
Latest sale: —
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Central HVAC is present and operational based on ceiling vents and thermostat in photos; no functional tests were available.
  • Water heater location, age and functionality were not shown and are assumed serviceable but unverified.
  • Smoke detectors and carbon monoxide alarms are not visible in provided photos; assume they may be missing or not pictured and require verification/installation.
  • GFCI protection for kitchen and bathroom outlets is not visible in photos and is assumed unknown until tested/inspected.
  • Electrical panel appears intact from the hallway photo but internal breaker labeling and grounding were not inspected.
  • Front deck/large backyard mentioned in listing not shown in photos; condition of deck and any required railings are unknown.
  • No rental history records in the last 5 years were provided (rental_history_last_5y.status = missing).

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $788 $51,660 $5,166
2023 $783 $51,660 $5,166
2021 $784 $51,660 $5,166
2020 $773 $51,410 $5,141
2019 $774 $51,410 $5,141
2018 $763 $51,410 $5,141
2017 $763 $51,410 $5,141
2016 $738 $51,410 $5,141
2015 $707 $51,240 $5,124
2014 $706 $51,240 $5,124
2013 $680 $51,240 $5,124
2012 $680 $51,240 $5,124
2011 $665 $50,760 $5,076
2010 $1,297 $50,760 $7,614
2009 $1,297 $50,760 $7,614
2008 $1,297 $32,790 $4,919
2007 $846 $32,790 $4,919

Sale History

DateEventPrice
2026-01-23 Relisted $130,000
2026-01-22 Listing removed $0
2025-10-12 Listed $130,000
2025-09-16 Listing removed $0
2025-09-04 Relisted $135,000
2025-09-01 Listing removed $0
2025-06-05 Listed $135,000
2025-05-05 Listing removed $0
2025-04-04 Listed for rent $1,750
2025-03-06 Listing removed $0
2025-02-04 Listed for rent $1,600
2024-12-04 Listing removed $0
2024-10-15 Price Changed $115,000
2024-09-11 Listed $122,000
2016-11-04 Listing removed $73,900
2016-09-18 Price Changed $73,900
2016-03-20 Price Changed $74,900
2016-01-21 Listed $79,000
2016-01-17 Listing removed $85,000
2015-09-01 Listing removed $85,000
2015-09-01 Listed $85,000
2014-11-18 Listed $85,000
2014-07-16 Listing removed $80,000
2010-10-05 Listing removed $84,900
2010-06-07 Listed $84,900

Photo Gallery

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              "last_status_change_date": "2010-05-04T22:13:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": "126 days",
            "source_listing_id": "214266",
            "price_change_percentage": null
          },
          {
            "date": "2010-05-02",
            "price": 31900,
            "listing": {
              "status": "off_market",
              "list_date": "2009-12-29T19:31:00Z",
              "list_price": 31900,
              "listing_id": "514176911",
              "last_update_date": "2010-06-08T01:12:00Z",
              "last_status_change_date": "2010-05-04T22:13:00Z"
            },
            "event_name": "Price Changed",
            "price_sqft": null,
            "source_name": "CentralMSMLS",
            "price_change": -3000,
            "days_after_listed": null,
            "source_listing_id": "214266",
            "price_change_percentage": null
          },
          {
            "date": "2010-03-08",
            "price": 34900,
            "listing": {
              "status": "off_market",
              "list_date": "2009-12-29T19:31:00Z",
              "list_price": 31900,
              "listing_id": "514176911",
              "last_update_date": "2010-06-08T01:12:00Z",
              "last_status_change_date": "2010-05-04T22:13:00Z"
            },
            "event_name": "Price Changed",
            "price_sqft": null,
            "source_name": "CentralMSMLS",
            "price_change": -3000,
            "days_after_listed": null,
            "source_listing_id": "214266",
            "price_change_percentage": null
          },
          {
            "date": "2009-12-29",
            "price": 37900,
            "listing": {
              "status": "off_market",
              "list_date": "2009-12-29T19:31:00Z",
              "list_price": 31900,
              "listing_id": "514176911",
              "last_update_date": "2010-06-08T01:12:00Z",
              "last_status_change_date": "2010-05-04T22:13:00Z"
            },
            "event_name": "Listed",
            "price_sqft": null,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "214266",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": true
  },
  "property_id": "8157495587",
  "generated_at": "2026-02-16T23:00:05.963175Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 77.6
  },
  "utility_allowance": {
    "zip_code": "39206",
    "home_photo": "https://ap.rdcpix.com/c89784d029d4fc4e6572627740cdfc86l-m692625820s-w1280.jpg",
    "rent_price": 1248.0,
    "loan_amount": 104000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/5448-Crepe-Myrtle-Dr_Jackson_MS_39206_M81574-95587",
    "bedroom_count": 4,
    "interest_rate": 0.07,
    "purchase_price": 130000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 12228.76,
    "mortgage_monthly": 691.91,
    "payment_standard": 1690.0,
    "total_amount_out": 26000.0,
    "additional_photos": [
      "https://ap.rdcpix.com/c89784d029d4fc4e6572627740cdfc86l-m1264899006s-w1280.jpg",
      "https://ap.rdcpix.com/c89784d029d4fc4e6572627740cdfc86l-m1536162950s-w1280.jpg",
      "https://ap.rdcpix.com/c89784d029d4fc4e6572627740cdfc86l-m412639761s-w1280.jpg",
      "https://ap.rdcpix.com/c89784d029d4fc4e6572627740cdfc86l-m2569742920s-w1280.jpg",
      "https://ap.rdcpix.com/c89784d029d4fc4e6572627740cdfc86l-m884479579s-w1280.jpg",
      "https://ap.rdcpix.com/c89784d029d4fc4e6572627740cdfc86l-m1486020080s-w1280.jpg",
      "https://ap.rdcpix.com/c89784d029d4fc4e6572627740cdfc86l-m3554716249s-w1280.jpg",
      "https://ap.rdcpix.com/c89784d029d4fc4e6572627740cdfc86l-m2179430142s-w1280.jpg",
      "https://ap.rdcpix.com/c89784d029d4fc4e6572627740cdfc86l-m556169249s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 36.5,
    "monthly_cash_flow": 1019.06,
    "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": "Based on the 4-bedroom value for a fixed utility. Air conditioning is assumed for a single-family home in this climate.",
        "utility": "Air Conditioning",
        "allowance": 16
      },
      {
        "note": "Based on the 4-bedroom value for electric cooking. An electric stove appears in property photos and aligns with 'stainless steel appliances' in the description.",
        "utility": "Cooking",
        "allowance": 14
      },
      {
        "note": "Based on the 4-bedroom value for electric heating. The fuel source was not specified, so the more expensive common option was chosen per instructions.",
        "utility": "Heating",
        "allowance": 64
      },
      {
        "note": "Based on the 4-bedroom value for this fixed utility, covering lights and tenant-plugged-in appliances.",
        "utility": "Other Electric",
        "allowance": 88
      },
      {
        "note": "A range is provided by the landlord, as stated ('stainless steel appliances') and seen in photos, so the tenant allowance is $0.",
        "utility": "Range/Microwave",
        "allowance": 0
      },
      {
        "note": "A refrigerator is provided by the landlord, as stated ('stainless steel appliances') and seen in photos, so the tenant allowance is $0.",
        "utility": "Refrigerator",
        "allowance": 0
      },
      {
        "note": "Based on the 4-bedroom value for this fixed utility. The property listing confirms connection to 'Public Sewer'.",
        "utility": "Sewer",
        "allowance": 70
      },
      {
        "note": "Based on the 4-bedroom value for this fixed utility. Assumed to be a tenant responsibility as is standard for single-family homes.",
        "utility": "Trash Collection",
        "allowance": 37
      },
      {
        "note": "Based on the 4-bedroom value for this fixed utility. The property listing confirms connection to a 'Public' water source.",
        "utility": "Water",
        "allowance": 116
      },
      {
        "note": "Based on the 4-bedroom value for electric water heating. This choice is consistent with the assumption for the main heating fuel source.",
        "utility": "Water Heating",
        "allowance": 37
      }
    ],
    "cash_on_cash_return": 0.47,
    "down_payment_amount": 26000.0,
    "property_tax_annual": 811.64,
    "property_tax_monthly": 67.64,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 442.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://www.huduser.gov/portal/datasets/pdr.html",
        "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": 3925.78,
    "property_management_monthly": 124.8,
    "monthly_cash_flow_after_debt": 327.15,
    "cash_on_cash_return_after_debt": 0.15
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This single-family home appears largely turnkey for a Housing Choice Voucher inspection with recent interior cosmetic updates, working kitchen appliances, intact roofline and visible central HVAC. Primary inspection risks from photos are absence/uncertainty of smoke and CO detectors, unknown presence of GFCI protection in kitchen/bath, and unverified water heater and HVAC operational status. With quick verification/installation of detectors, confirmation of GFCI and system operation, and minor exterior/step details addressed, the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 85.0,
            "rationale": "Interior appears recently updated: fresh paint, new-looking vinyl plank flooring, cabinets and counters in good visible condition, stainless appliances present. No visible drywall, flooring or cabinet failures. Minor items likely: window blinds damaged, small cosmetic scuffs. Missing appliances are not a problem here since oven and refrigerator are shown."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk (NSPIRE)",
            "score": 70.0,
            "rationale": "No visible life-threatening hazards in photos (no collapsed ceilings, no obvious electrical splices, no visible standing water or mold). Central HVAC vents and thermostat visible. However smoke detectors and carbon monoxide alarms are not visible in any photos (cannot confirm placement/operation). GFCI protection at kitchen and bathroom receptacles is not evident in photos. Interior level changes show two small steps between rooms which are a potential trip hazard (no handrail shown) but not necessarily an automatic fail. Recommend install/confirm working smoke/CO detectors, add GFCI outlets where required, and address any trip hazards."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical Condition",
            "score": 75.0,
            "rationale": "Photos show ceiling HVAC return/registers and a thermostat indicating central HVAC (assumed operational but not tested). Electrical panel is visible in hallway and appears intact. Gas range present (gas hookup not fully verified visually). Water heater is not shown and its condition/age is unknown. Roof appears visually intact from front elevation; no visible sagging or missing shingles. Plumbing fixtures (kitchen and bath) appear functional with no visible leaks. Recommend verifying operation of HVAC, water heater, and confirming gas connection and electrical breaker labeling."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 80.0,
            "rationale": "Front elevation shows intact siding, trim and roofline; gutters present. Foundation vents visible and no obvious foundation failure or major grading issues in photos. Yard is generally flat and appears usable; driveway and walk to front door are present though the small front stoop/steps lack a handrail (single step or two). Tree/brush near house may require trimming. No signs of infestation, standing water, or major exterior neglect in provided photos."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Central HVAC is present and operational based on ceiling vents and thermostat in photos; no functional tests were available.",
          "Water heater location, age and functionality were not shown and are assumed serviceable but unverified.",
          "Smoke detectors and carbon monoxide alarms are not visible in provided photos; assume they may be missing or not pictured and require verification/installation.",
          "GFCI protection for kitchen and bathroom outlets is not visible in photos and is assumed unknown until tested/inspected.",
          "Electrical panel appears intact from the hallway photo but internal breaker labeling and grounding were not inspected.",
          "Front deck/large backyard mentioned in listing not shown in photos; condition of deck and any required railings are unknown.",
          "No rental history records in the last 5 years were provided (rental_history_last_5y.status = missing)."
        ],
        "overall_score": 78.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This single-family home presents as a mostly turn-key unit with recent cosmetic updates (new flooring, paint, stainless appliances) and intact major systems visible (central HVAC vents, electrical panel, sound roof). The largest inspection risks are missing/unspecified life-safety devices (smoke and carbon monoxide alarms), unverified GFCI protection, and untested mechanicals (water heater, HVAC operation). These are generally remediable within a short timeframe. Likely pass probability: moderate-high if detectors and minor GFCI/outlet checks are installed/verified prior to inspection.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 85.0,
            "rationale": "Interior appears recently refreshed: new-looking vinyl plank flooring, fresh paint, intact trim and cabinets, updated stainless appliances (range and refrigerator shown). Bathrooms and kitchen finishes look serviceable. Minor cosmetic issues noted (worn blinds, small scuffs, loose curtain panels). No visible collapsed ceilings, exposed subfloor, or major finish damage. Missing or damaged small items (outlet covers, blinds) are easy-to-fix and do not appear pervasive."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 70.0,
            "rationale": "No obvious life-threatening hazards visible: electrical panel is present and appears intact, no exposed wiring seen, windows in bedrooms appear to provide egress, interior surfaces show no visible mold or major water stains, and door locks appear present. However, smoke detectors are not visible in photos (not observed in bedrooms, hallway, or living room). A gas range is present which raises the need for a functioning carbon-monoxide alarm; none is visible. GFCI protection at kitchen/bath outlets could not be verified from photos. Small interior step-ups (two small steps into a room) are present and could be a trip hazard if not well marked/finished. Overall moderate risk due to missing/verifiable life-safety devices rather than structural hazards."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 75.0,
            "rationale": "Central HVAC appears present (ceiling vents and thermostat visible) which suggests heating/cooling in place. Electrical panel is visible in hallway and appears serviceable. Kitchen plumbing fixtures and bathroom fixtures appear intact; sink and tub/shower look functional. Roof shingles visible from front photo appear intact with no obvious sagging or active leaks. Water heater location and condition are not shown. Because systems are present and visually intact but not tested (no water heater photo, no evidence of functional HVAC operation), score reflects likely good condition but unverified operational status."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Exterior siding, brick foundation skirt, windows and roof appear in reasonable condition from front elevation photo. Gutters appear present. Yard is serviceable though slightly overgrown; driveway is small but usable. Front entry has a small set of steps with a landing; a decorative iron support is present at the front porch but no obvious damaged porch or collapsed structure. Tree close to house could require trimming. Deck is mentioned in listing but not photographed — condition of deck cannot be verified."
          }
        ],
        "red_flags": [
          "No visible smoke detectors in photos (required for NSPIRE compliance).",
          "No visible carbon-monoxide alarm despite presence of a gas range (CO alarm required where fuel-burning appliances are present).",
          "GFCI protection at kitchen and bathroom outlets not verified from photos.",
          "Interior step-ups between rooms shown with no visible handrail or contrast marking (trip hazard risk)."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Appliances shown (gas range and refrigerator) are present on-site and in operable condition; gas connection for range is properly installed.",
          "Central HVAC is functional though operation was not tested in photos (presence inferred from vents and thermostat).",
          "A water heater exists on the property (not photographed) and supplies hot water; hot water availability not verified.",
          "Smoke detectors and carbon-monoxide detectors are not visible in photos; assume they are not installed or not visible/uncertain.",
          "Deck condition is not visible in provided photos; listing text states a deck but its safety and condition are unverified.",
          "GFCI protection in kitchen and bathroom outlets could not be verified from images.",
          "No signs of active roof leaks, major foundation movement, or mold were observed in the provided photos."
        ],
        "overall_score": 77.0,
        "rubric_version": "ns-pm-v1.0-2026-02"
      },
      {
        "summary": "This single-family home appears largely turnkey for Section 8 / HCV leasing after addressing a small number of safety verifications and minor items. Cosmetic updates, new-looking flooring, functional kitchen appliances (stove and refrigerator) and intact systems visible in photos are positive. Primary inspection risks are missing/undocumented smoke and carbon monoxide alarms, unverifiable GFCI protection at wet locations, and unconfirmed water heater/operational HVAC testing. Expect a likely pass after quick safety installs (smoke/CO alarms, confirm deadbolt and GFCI) and verification of water heater and HVAC operation. Overall, likely rent-ready within 1–3 weeks if alarms and a couple of minor items are completed; allow additional time if mechanical servicing or deck/handrail work is required.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 85.0,
            "rationale": "Interior photos show recent cosmetic updates: fresh paint, new-looking vinyl plank flooring throughout, intact trim, updated kitchen cabinets and tile backsplash. Stainless refrigerator and gas range present. Bathrooms appear clean with functioning fixtures and a tub/shower. Minor observable issues: blinds in places are damaged or missing, loose cable wires on floors, and small scuffing at appliance bases. No visible water stains, major drywall damage, or subfloor exposure. Overall turnkey with only minor cosmetic/fixture items to finish."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk (NSPIRE)",
            "score": 70.0,
            "rationale": "No active electrical hazards observed: panel is visible in hallway and appears closed; no exposed wiring seen in photos. Bedrooms appear to have adequate egress windows. Central HVAC vents visible. However, no smoke alarms are visible in any interior photos and no carbon monoxide detector is visible — HUD/NSPIRE requires smoke alarms inside sleeping areas and on each level and CO alarms where fuel-burning appliances or attached garages are present (presence of gas range increases CO risk). Entry doors show knobs; presence of a deadbolt is not clearly evident from photos. Small front steps have no visible handrail (height appears low but handrail requirement depends on riser count). GFCI protection at kitchen sink/bath outlets is not verifiable from photos. No signs of active leaks, mold, or structural ceiling/foundation failure were observed. Safety risks are moderate because of missing/unknown alarm devices and unverifiable GFCI/CO protection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems / Mechanical",
            "score": 75.0,
            "rationale": "Central HVAC supply/return vents and a thermostat are visible — evidence of central heating/AC, likely operational but not tested in photos. Roof appears intact from the front elevation with no visible sagging or missing shingles. Electrical panel present and closed. Plumbing fixtures (kitchen sink, bathroom sink, toilet, tub/shower) are present and appear serviceable. Water heater not shown; condition and age unverified. Stove is a gas range (visible gas connection likely present); refrigerator present. Overall systems show no visible catastrophic defects but several system items (water heater, HVAC function, GFCI, CO alarm) were not verifiable from photos."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 80.0,
            "rationale": "Front exterior shows intact siding and a painted brick foundation; roofline looks straight with no visible major issues. Yard is level and appears maintained; driveway and walkway appear serviceable. Small front steps and a modest entry deck are present; guardrail/handrail not visible (steps are low but may be within allowable riser counts). Large backyard and deck are described in listing but deck condition not shown. No visible evidence of infestation, standing water, or major exterior neglect. Overall exterior condition is good with minor finish items to check (deck, handrail)."
          }
        ],
        "red_flags": [
          "No visible smoke detectors in interior photos — must install/verify to meet NSPIRE smoke alarm requirements.",
          "No visible carbon monoxide alarm — required where fuel-burning appliances (gas range) exist; install/verify.",
          "Primary entry deadbolt not clearly visible — verify secure locking hardware (deadbolt) on exterior doors.",
          "Built 1956 — potential lead-based paint risk (no peeling paint seen in photos). Owner must provide required lead disclosures and address any identified lead hazards."
        ],
        "confidence": 0.75,
        "assumptions": [
          "Appliances shown (stainless gas range and refrigerator) are present and operational unless noted otherwise; missing images of hookups not taken as evidence of failure.",
          "Central HVAC is present and functional because vents and a thermostat are visible; however HVAC performance has not been tested in photos.",
          "Water heater is present on site and functioning though not pictured; its condition and age are unknown and should be verified before lease.",
          "Smoke and carbon monoxide alarms were not visible in the photos and are assumed absent/unverified; plan to install/verify per NSPIRE requirements prior to inspection.",
          "Electrical panel is intact and servicing circuits normally (appears closed in photo) but load testing and GFCI verification were not performed and must be confirmed.",
          "Front entry steps shown have low riser count; handrail may not be required but exact compliance should be verified on-site.",
          "No significant hidden water intrusion or structural damage is assumed because there are no visible stains, sagging ceilings, or foundation cracks in the provided images."
        ],
        "overall_score": 78.0,
        "rubric_version": "2026-02-16-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "5448 Crepe Myrtle Dr, Jackson, MS, 39206",
    "aggregate": {
      "summary": "This single-family home appears largely turnkey for a Housing Choice Voucher inspection with recent interior cosmetic updates, working kitchen appliances, intact roofline and visible central HVAC. Primary inspection risks from photos are absence/uncertainty of smoke and CO detectors, unknown presence of GFCI protection in kitchen/bath, and unverified water heater and HVAC operational status. With quick verification/installation of detectors, confirmation of GFCI and system operation, and minor exterior/step details addressed, the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 85.0,
          "rationale": "Interior appears recently updated: fresh paint, new-looking vinyl plank flooring, cabinets and counters in good visible condition, stainless appliances present. No visible drywall, flooring or cabinet failures. Minor items likely: window blinds damaged, small cosmetic scuffs. Missing appliances are not a problem here since oven and refrigerator are shown."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 78.3,
          "rationale": "Front elevation shows intact siding, trim and roofline; gutters present. Foundation vents visible and no obvious foundation failure or major grading issues in photos. Yard is generally flat and appears usable; driveway and walk to front door are present though the small front stoop/steps lack a handrail (single step or two). Tree/brush near house may require trimming. No signs of infestation, standing water, or major exterior neglect in provided photos."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Risk (NSPIRE)",
          "score": 70.0,
          "rationale": "No visible life-threatening hazards in photos (no collapsed ceilings, no obvious electrical splices, no visible standing water or mold). Central HVAC vents and thermostat visible. However smoke detectors and carbon monoxide alarms are not visible in any photos (cannot confirm placement/operation). GFCI protection at kitchen and bathroom receptacles is not evident in photos. Interior level changes show two small steps between rooms which are a potential trip hazard (no handrail shown) but not necessarily an automatic fail. Recommend install/confirm working smoke/CO detectors, add GFCI outlets where required, and address any trip hazards."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems & Mechanical Condition",
          "score": 75.0,
          "rationale": "Photos show ceiling HVAC return/registers and a thermostat indicating central HVAC (assumed operational but not tested). Electrical panel is visible in hallway and appears intact. Gas range present (gas hookup not fully verified visually). Water heater is not shown and its condition/age is unknown. Roof appears visually intact from front elevation; no visible sagging or missing shingles. Plumbing fixtures (kitchen and bath) appear functional with no visible leaks. Recommend verifying operation of HVAC, water heater, and confirming gas connection and electrical breaker labeling."
        }
      ],
      "red_flags": [],
      "confidence": 0.95,
      "assumptions": [
        "Central HVAC is present and operational based on ceiling vents and thermostat in photos; no functional tests were available.",
        "Water heater location, age and functionality were not shown and are assumed serviceable but unverified.",
        "Smoke detectors and carbon monoxide alarms are not visible in provided photos; assume they may be missing or not pictured and require verification/installation.",
        "GFCI protection for kitchen and bathroom outlets is not visible in photos and is assumed unknown until tested/inspected.",
        "Electrical panel appears intact from the hallway photo but internal breaker labeling and grounding were not inspected.",
        "Front deck/large backyard mentioned in listing not shown in photos; condition of deck and any required railings are unknown.",
        "No rental history records in the last 5 years were provided (rental_history_last_5y.status = missing)."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 77.6,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8157495587"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.