Property ID: 8171296062
248 Kimbrough Dr, Jackson, MS, 39204
Jackson, MS
Money Down: $18,000
CoC Return: 9.53%
Monthly Cash Flow: $143
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,000
Closing Costs
$3,000
Total Down
$18,000
Investment Snapshot
Purchase Price
$75,000
Money Down
$18,000
Cash-on-Cash Return
9.53%
Rent
$727
Monthly Cash Flow
$143
Annual Cash Flow
$1,715
Debt Service / Mo
$399
Property Tax / Mo
$65
Insurance / Mo
$47
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$727
Payment Standard
$1,070
Rent
$727
Insurance
$47
Property Tax
$65
Management
$73
Utilities Allowance
$343
NOI (Monthly)
$542
Debt Service
$399
Cash Flow After Debt
$143
Quality Score: 70.60%
Confidence: 95.00%
Overall the property appears to be in generally good, rentable condition with mostly cosmetic work needed and appliances present — likely able to pass a Section 8 (NSPIRE) inspection after addressing a few compliance items. Primary concerns to verify before an initial inspection: window security bars (egress), presence and operation of carbon monoxide alarms (required with gas appliances), GFCI protection in wet areas, and verification of HVAC, water heater and electrical panel condition. If those items are functional or remedied, this home should be rent-ready within 2–4 weeks.
Section 8 Payment Standard
$1,070
Utility Allowance Total
$343
Guaranteed Section 8 Rent (PS - Utilities)
$727
Property Management
$73
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$75,000
Beds
3
Baths
2
Living Area
1,282 sqft
Lot Size
13,504 sqft
Year Built
1985
Days on Market
18
Capital Outlay
$18,000
Debt Service
$399
Property Tax / Mo
$65
Insurance / Mo
$47
Property Description
248 Kimbrough, Jackson, MS - $75,000 Cash-flowing rental opportunity in Jackson with strong Section 8 upside. Market Rent: $1,160 / month Section 8 Rent: $1,484 / month Location: Established Jackson neighborhood with consistent rental demand Strategy: Ideal for buy-and-hold investors seeking steady cash flow or Section 8 placement Status: Off-market - not listed on MLS This property offers immediate income potential with the option to increase returns through Section 8 tenancy. Perfect for investors looking to expand their Mississippi portfolio with minimal competition. Great cash flow - Strong rent comps - Off-market deal Buyer to verify all rental rates and Section 8 amounts.
Utility Allowances
Air Conditioning
$12
Property has central air conditioning, as stated in the listing details.
Cooking
$11
Selected 'electric' as property photos show an electric range. The allowance for a 3-bedroom unit is $11.
Heating
$21
Selected 'natural_gas' as the property has central heating and natural gas is listed as an available utility.
Other Electric
$69
This is a standard fixed allowance for general electricity usage in a 3-bedroom unit.
Range/Microwave
$0
Allowance is $0 because the property listing states that a microwave and range are included.
Refrigerator
$0
Allowance is $0 because the property listing states that a refrigerator is included.
Sewer
$60
The property is connected to a public sewer system as stated in the listing.
Trash Collection
$37
Standard fixed utility allowance for trash service in a single-family home.
Water
$104
The property is connected to a public water source as per the listing details.
Water Heating
$29
The fuel source for water heating is unspecified. Between the plausible options of natural gas and electric, electric was chosen as it is the more expensive option.
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$555
DP3 Annual Estimate$580
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$48
Replacement Value$43,190
Basis1,282 sqft / 1985
Nearby Houses
Photo unavailable
244 Arbor Hill Dr
sold · 0.06 mi
Price: $10,000
2 bd / 1 ba · 904 sqft
Latest sale: — on Feb 01, 2024
Latest rent: $650 on Jul 22, 2025
Photo unavailable
238 Arbor Hill Dr
sold · 0.06 mi
Price: $28,000
3 bd / 1 ba · 992 sqft
Latest sale: — on Nov 17, 2023
Latest rent: $595 on Sep 17, 2018
Photo unavailable
223 Kimbrough Dr
for_sale · 0.06 mi
Price: $5,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
183 Arbor Hill Dr
sold · 0.11 mi
Price: $6,000
2 bd / 1 ba · 816 sqft
Latest sale: — on Jan 17, 2025
Latest rent: —
Photo unavailable
155 Ferguson Dr
sold · 0.17 mi
Price: $18,500
2 bd / 1 ba · 775 sqft
Latest sale: — on Feb 09, 2024
Latest rent: $695 on Dec 08, 2023
Risk and Criteria Detail
Red Flags
- success
- Exterior window security bars visible — potential egress hazard if not releasable from inside (possible inspection fail).
- No carbon monoxide alarm visible in photos despite presence of gas range — CO alarm likely required.
- Ceiling discoloration near vent/ceiling fan could indicate past or hidden water intrusion; needs verification.
- Electrical panel and water heater not shown/verified — unknown condition is a risk for inspection and tenancy readiness.
Assumptions
- Central HVAC exists and is functional (ceiling vents visible) though not explicitly tested in photos.
- Water heater and main electrical panel are present and functional but not shown; assumed typical serviceable condition unless inspection reveals otherwise.
- Window security bars may have internal quick-release hardware (unknown) — assumed removable for egress only for scoring; if non-removable, this is an inspection fail.
- No active roof leaks are present; ceiling discoloration near vents is assumed to be either cosmetic/dirt or a past, repaired issue until proven otherwise.
- Smoke detector pictured is operational; carbon monoxide alarm is not visible and assumed missing unless provided.
- Kitchen and bath fixtures function (toilets, sink faucets, gas range) since appliances are present and home has active rental history.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $756 | $49,690 | $4,969 |
| 2023 | $751 | $49,690 | $4,969 |
| 2021 | $752 | $49,690 | $4,969 |
| 2020 | $740 | $49,060 | $4,906 |
| 2019 | $741 | $49,060 | $4,906 |
| 2018 | $724 | $48,710 | $4,871 |
| 2017 | $724 | $48,710 | $4,871 |
| 2016 | $700 | $48,710 | $4,871 |
| 2015 | $665 | $47,900 | $4,790 |
| 2014 | $664 | $47,900 | $4,790 |
| 2013 | $640 | $47,900 | $4,790 |
| 2012 | $640 | $47,900 | $4,790 |
| 2011 | $588 | $45,200 | $4,520 |
| 2010 | $583 | $45,200 | $4,520 |
| 2009 | $583 | $45,200 | $4,520 |
| 2008 | $583 | $44,530 | $4,453 |
| 2007 | $586 | $44,530 | $4,453 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-01-09 | Sold | — |
| 1997-10-13 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-07-13 | Listed for rent | $1,100 | — |
| 2024-05-09 | Listed for rent | $1,095 | — |
| 2024-03-05 | Listed for rent | $1,025 | — |
| 2024-01-17 | Listed for rent | $1,025 | — |
Photo Gallery
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"total": 4871,
"building": 4221
}
},
{
"tax": 700,
"year": 2016,
"market": {
"land": 6500,
"total": 48710,
"building": 42210
},
"assessment": {
"land": 650,
"total": 4871,
"building": 4221
}
},
{
"tax": 665,
"year": 2015,
"market": {
"land": 6500,
"total": 47900,
"building": 41400
},
"assessment": {
"land": 650,
"total": 4790,
"building": 4140
}
},
{
"tax": 664,
"year": 2014,
"market": {
"land": 6500,
"total": 47900,
"building": 41400
},
"assessment": {
"land": 650,
"total": 4790,
"building": 4140
}
},
{
"tax": 640,
"year": 2013,
"market": {
"land": 6500,
"total": 47900,
"building": 41400
},
"assessment": {
"land": 650,
"total": 4790,
"building": 4140
}
},
{
"tax": 640,
"year": 2012,
"market": {
"land": 6500,
"total": 47900,
"building": 41400
},
"assessment": {
"land": 650,
"total": 4790,
"building": 4140
}
},
{
"tax": 588,
"year": 2011,
"market": {
"land": 6500,
"total": 45200,
"building": 38700
},
"assessment": {
"land": 650,
"total": 4520,
"building": 3870
}
},
{
"tax": 583,
"year": 2010,
"market": {
"land": 6500,
"total": 45200,
"building": 38700
},
"assessment": {
"land": 650,
"total": 4520,
"building": 3870
}
},
{
"tax": 583,
"year": 2009,
"market": {
"land": 6500,
"total": 45200,
"building": 38700
},
"assessment": {
"land": 650,
"total": 4520,
"building": 3870
}
},
{
"tax": 583,
"year": 2008,
"market": {
"land": 6000,
"total": 44530,
"building": 38530
},
"assessment": {
"land": 600,
"total": 4453,
"building": 3853
}
},
{
"tax": 586,
"year": 2007,
"market": {
"land": 6000,
"total": 44530,
"building": 38530
},
"assessment": {
"land": 600,
"total": 4453,
"building": 3853
}
}
],
"property_history": [
{
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"status": "for_sale",
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{
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{
"date": "2025-09-24",
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{
"date": "2025-08-11",
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"list_price": 75000,
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},
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{
"date": "2024-07-13",
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{
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{
"date": "2024-06-04",
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{
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{
"date": "2024-05-09",
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{
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{
"date": "2024-03-06",
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{
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{
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{
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{
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},
{
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"listing": {
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"last_status_change_date": "2024-03-21T19:15:21Z"
},
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}
],
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}
},
"rmn_listing_attribution": true
},
"property_id": "8171296062",
"generated_at": "2026-02-16T22:54:24.013889Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 70.6
},
"utility_allowance": {
"zip_code": "39204",
"home_photo": "https://ap.rdcpix.com/51d6c1d0d4eb0b87866635222ed8b5afl-m3131698832s-w1280.jpg",
"rent_price": 727.0,
"loan_amount": 60000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/248-Kimbrough-Dr_Jackson_MS_39204_M81712-96062",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 75000.0,
"loan_term_years": 30,
"annual_cash_flow": 6505.42,
"mortgage_monthly": 399.18,
"payment_standard": 1070.0,
"total_amount_out": 15000.0,
"additional_photos": [
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"https://ap.rdcpix.com/51d6c1d0d4eb0b87866635222ed8b5afl-m2099938406s-w1280.jpg",
"https://ap.rdcpix.com/51d6c1d0d4eb0b87866635222ed8b5afl-m3422054549s-w1280.jpg",
"https://ap.rdcpix.com/51d6c1d0d4eb0b87866635222ed8b5afl-m63513140s-w1280.jpg",
"https://ap.rdcpix.com/51d6c1d0d4eb0b87866635222ed8b5afl-m1876365295s-w1280.jpg",
"https://ap.rdcpix.com/51d6c1d0d4eb0b87866635222ed8b5afl-m2164550695s-w1280.jpg",
"https://ap.rdcpix.com/51d6c1d0d4eb0b87866635222ed8b5afl-m1612977143s-w1280.jpg",
"https://ap.rdcpix.com/51d6c1d0d4eb0b87866635222ed8b5afl-m660570329s-w1280.jpg",
"https://ap.rdcpix.com/51d6c1d0d4eb0b87866635222ed8b5afl-m4144337343s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 47.29,
"monthly_cash_flow": 542.12,
"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 has central air conditioning, as stated in the listing details.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected 'electric' as property photos show an electric range. The allowance for a 3-bedroom unit is $11.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'natural_gas' as the property has central heating and natural gas is listed as an available utility.",
"utility": "Heating",
"allowance": 21
},
{
"note": "This is a standard fixed allowance for general electricity usage in a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Allowance is $0 because the property listing states that a microwave and range are included.",
"utility": "Range/Microwave",
"allowance": 0
},
{
"note": "Allowance is $0 because the property listing states that a refrigerator is included.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property is connected to a public sewer system as stated in the listing.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard fixed utility allowance for trash service in a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property is connected to a public water source as per the listing details.",
"utility": "Water",
"allowance": 104
},
{
"note": "The fuel source for water heating is unspecified. Between the plausible options of natural gas and electric, electric was chosen as it is the more expensive option.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.43,
"down_payment_amount": 15000.0,
"property_tax_annual": 778.68,
"property_tax_monthly": 64.89,
"property_tax_increase": 0.03,
"utility_allowance_total": 343.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"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": 1715.24,
"property_management_monthly": 72.7,
"monthly_cash_flow_after_debt": 142.94,
"cash_on_cash_return_after_debt": 0.11
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be in generally good, rentable condition with mostly cosmetic work needed and appliances present — likely able to pass a Section 8 (NSPIRE) inspection after addressing a few compliance items. Primary concerns to verify before an initial inspection: window security bars (egress), presence and operation of carbon monoxide alarms (required with gas appliances), GFCI protection in wet areas, and verification of HVAC, water heater and electrical panel condition. If those items are functional or remedied, this home should be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Interior appears recently updated cosmetically: laminate floors in good condition, painted walls, functioning doors/cabinets. Kitchen has stove, fridge and dishwasher present. Bathrooms and laundry area intact. Minor trim/paint touch-ups and baseboard scuffs visible; some door hardware and threshold wear. No large areas of collapsed finishes or missing subfloor visible. Overall mostly cosmetic / light repairs only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Smoke detector visible in hallway (good). However several safety/code items are unknown or potentially problematic from photos: exterior window security bars are present (could impede egress if not releasable), no carbon monoxide alarm visible (gas range present so CO alarm likely required), GFCI protection in kitchen/bath not evident in photos, bedroom egress window sizes not verifiable, and electrical panel location/condition not shown. Ceilings show some localized discoloration near vents which could indicate past leak that needs verification. These unknowns and the egress/security-bar issue lower score to moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Roof shingles visible from front appear in serviceable condition. Central HVAC registers/ducts and ceiling vents are visible indicating forced-air system present (not shown operational). Kitchen appliances (gas range, fridge, dishwasher) present. Water heater and electrical panel are not photographed so their condition and age are unknown. No active water intrusion or collapsed ceilings seen, but some ceiling discoloration suggests past water that should be inspected. Given visible evidence, systems likely functional but unverified — moderate score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding and roof appear intact; driveway and walk provide safe access though there are minor cracks and uneven turf. Yard maintenance is modestly neglected (overgrown shrubs near porch). Front porch support looks intact; no visible major foundation cracks or settling in photos. Window security bars present (site security) but may affect inspection depending on egress release mechanism. No visible standing water, pests, or major exterior structural damage in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Exterior window security bars visible — potential egress hazard if not releasable from inside (possible inspection fail).",
"No carbon monoxide alarm visible in photos despite presence of gas range — CO alarm likely required.",
"Ceiling discoloration near vent/ceiling fan could indicate past or hidden water intrusion; needs verification.",
"Electrical panel and water heater not shown/verified — unknown condition is a risk for inspection and tenancy readiness."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is functional (ceiling vents visible) though not explicitly tested in photos.",
"Water heater and main electrical panel are present and functional but not shown; assumed typical serviceable condition unless inspection reveals otherwise.",
"Window security bars may have internal quick-release hardware (unknown) — assumed removable for egress only for scoring; if non-removable, this is an inspection fail.",
"No active roof leaks are present; ceiling discoloration near vents is assumed to be either cosmetic/dirt or a past, repaired issue until proven otherwise.",
"Smoke detector pictured is operational; carbon monoxide alarm is not visible and assumed missing unless provided.",
"Kitchen and bath fixtures function (toilets, sink faucets, gas range) since appliances are present and home has active rental history."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the house appears in largely good, rentable condition with mostly cosmetic repairs and functioning kitchen appliances. Primary inspection risks: metal security bars on front windows (likely egress violation unless quick-release), no visible carbon-monoxide alarm despite a gas range, and no visible GFCI outlets in kitchen/bath. Major systems (roof, visible ducting, plumbing fixtures) appear intact though HVAC, water heater and electrical panel were not photographed and should be verified. With quick remediation of the egress/security-bar issue (or verification of quick-release), installation of CO and GFCI protection as required, and verification of HVAC/water heater operation, this property is likely to pass an initial Section 8/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recently installed/clean laminate flooring, painted walls, intact cabinets and countertops, and functioning appliances (stove, refrigerator, dishwasher) — all reduce repair burden. Minor cosmetic issues visible: scuffed baseboard/trim, worn paint at some door frames, slightly worn weatherstripping at exterior doors, and small concrete cracks at the driveway/walkway. Laundry alcove is finished but missing hookups (dryer vent opening visible) — easy fixes. Overall: mostly cosmetic and minor tenant-turn items; no major deferred-maintenance visible indoors."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE safety items are indeterminate or present risk from photos: a smoke alarm is visible in one interior photo (positive), but no carbon-monoxide alarm is visible despite a gas-range present (CO alarm likely required). The most significant safety concern is metal security bars visible on front windows — unless they are quick-release from the inside they constitute a likely egress failure and would cause an inspection fail. No electrical panel or clear evidence of GFCI protection in kitchen/bathrooms is visible (no GFCI receptacle shown). No exposed wiring, major ceiling/floor collapse, or active leaks are visible. Entry door appears to have a lock; presence of a deadbolt is unclear. Because of the barred windows and probable CO/GFCI omission this category carries moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Exterior roof shingles look in good shape from the photo (no visible sag or obvious failure). Interior supply/return vents are present indicating central HVAC, but system operation and age are not documented in photos (unknown). No water heater or electrical panel is shown. Plumbing fixtures and bathtub/surround appear intact; no visible active water damage or mold. Gas range presence means gas supply is active; no visible signs of improper venting but CO detector absence increases risk. Because key system components (HVAC function, water heater, electrical panel) are not verified, score is moderate but not low."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Lot and exterior appear serviceable — siding and brick shown are intact, driveway and walkway have minor cracking, and yard has moderate overgrowth but nothing indicating structural failure. Roofline looks level and gutters are present. However the security bars on front windows lower the exterior/site score due to egress and life-safety concerns. No visible standing water, major grading issues, foundation cracking or pest infestation evidence in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Security/egress bars visible on front windows — likely NSPIRE egress failure unless quick-release mechanism is present and demonstrated.",
"No carbon-monoxide (CO) alarm visible in photos while a gas range is present — CO alarm likely required.",
"No visible GFCI protection in kitchen/bath areas in photos — inspector may require GFCI receptacles near sink locations.",
"Key system verification missing (HVAC operational test, water heater, electrical panel) — lack of documentation could delay inspection clearance."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present (supply/return vents visible) but its operational status and age were not verified; assumed serviceable until tested.",
"Smoke alarm visible in photos is operational; no carbon-monoxide alarm was seen — assume none is installed unless provided off-photo.",
"Window security bars visible on the front of the house are fixed (non-quick-release) unless the owner can confirm quick-release mechanism; treated as an egress risk.",
"No active roof leaks, major foundation movement, or hidden mold were observed in photos; severe hidden issues are not evident from available images.",
"Kitchen appliances (stove, fridge, dishwasher) are included and appear connected; gas connections assumed typical but not pressure-tested.",
"Electrical panel, water heater and service connections exist but were not photographed — assumed present and not visibly damaged."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be in good cosmetic and functional condition and is likely to pass a Housing Choice Voucher (Section 8 / NSPIRE) initial inspection after addressing a few quick items. The interior finishes and installed appliances reduce time-to-rent; central HVAC registers are present. The primary inspection risk is the presence of security bars on ground-level windows (egress hazard if not releasable), plus lack of visible carbon monoxide detector and unclear GFCI protection at kitchen/bathroom outlets. These are fixable within a short timeframe. Expected readiness: minor repairs and safety compliance checks within 1–3 weeks if access and quick-release hardware / detectors are installed; if window bars are not releasable and require removal/modification, that could extend time-to-pass and require additional work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Interior photos show generally clean, recently-updated finishes: laminate flooring in good visible condition throughout, painted walls, functioning ceiling fans, and intact trim. Kitchen has appliances (range, refrigerator, dishwasher) installed; cabinets show wear but appear serviceable. Bathrooms show standard tub/shower surround and a newer sink faucet. Minor cosmetic issues observed: scuffed baseboards/trim, some paint touch-up needed around door frames, and a few areas where outlet/plate covers or trim detail may need replacement. No collapsed ceilings, exposed subfloor or heavy interior damage visible. Overall: minor repairs and cosmetic work only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "Positive indicators: visible ceiling-mounted smoke detector in hallway and intact doors/windows. Negative/unknown items: multiple ground-level windows show security bars — it's not clear whether they are quick-release from the inside; if not, they would create an egress failure for bedrooms and be an immediate Section 8/NSPIRE fail. Carbon monoxide detector(s) are not visible in photos. GFCI protection at kitchen/bath outlets is not clearly visible. Entry door appears to have standard locks but deadbolt presence/function unknown. No exposed wiring or active water stains observed. Because of the egress/security-bar uncertainty and missing CO/GFCI evidence, this is a moderate inspection risk that could be remedied quickly if bars are releasable and detectors/outlet protection are added."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 70.0,
"rationale": "Visible central HVAC ceiling vents/registers indicate a forced-air system is present (no visible lack of heat). Kitchen appliances (range, refrigerator, dishwasher) are installed which reduces time-to-rent. Water heater and electrical panel are not shown; hot-water availability and electrical service condition are therefore assumed but not verified. No visible evidence of active leaks, major plumbing failures, or roofing failure from interior photos. Flooring and fixtures show no signs of water damage. Because major systems are likely present but not fully verified, score reflects a reasonable condition with some unknowns requiring verification (water heater age/operation, electrical panel condition, HVAC functional test)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Front exterior photo shows intact siding/brick, recent-looking shingle roof (no obvious sagging or missing areas), and a paved driveway/walkway with some surface cracking. Yard maintenance is moderate; grass is patchy and some shrubbery overhangs roof/porch area which should be trimmed to avoid roof damage. Window security bars are present (security benefit but potential egress problem). No standing water, foundation cracks, or collapsed exterior elements are visible in provided photos. Overall the envelope appears serviceable with light exterior maintenance recommended."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Security bars on ground-floor windows — potential bedroom egress failure if bars are not quick-release from inside.",
"No visible carbon monoxide detector in photos (CO detector required where fuel-burning appliances or attached garages exist).",
"GFCI protection for kitchen/bath outlets not evident in photos and should be verified/installed."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational based on visible ceiling vents/registers; no heating absence observed.",
"Water heater and hot water are present and functioning though not pictured; no interior signs of long-term water loss.",
"Appliances in kitchen (range, refrigerator, dishwasher) are in working order or will be made operational prior to lease; missing appliance issues would be minor to remedy.",
"Window security bars may or may not have an interior quick-release mechanism; assessment assumes this is unknown and must be verified.",
"Electrical panel condition and AFCI/GFCI presence were not photographed and thus are assumed serviceable but require verification during inspection."
],
"overall_score": 72.0,
"rubric_version": "2026-02-16-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "248 Kimbrough Dr, Jackson, MS, 39204",
"aggregate": {
"summary": "Overall the property appears to be in generally good, rentable condition with mostly cosmetic work needed and appliances present — likely able to pass a Section 8 (NSPIRE) inspection after addressing a few compliance items. Primary concerns to verify before an initial inspection: window security bars (egress), presence and operation of carbon monoxide alarms (required with gas appliances), GFCI protection in wet areas, and verification of HVAC, water heater and electrical panel condition. If those items are functional or remedied, this home should be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently updated cosmetically: laminate floors in good condition, painted walls, functioning doors/cabinets. Kitchen has stove, fridge and dishwasher present. Bathrooms and laundry area intact. Minor trim/paint touch-ups and baseboard scuffs visible; some door hardware and threshold wear. No large areas of collapsed finishes or missing subfloor visible. Overall mostly cosmetic / light repairs only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.3,
"rationale": "Exterior siding and roof appear intact; driveway and walk provide safe access though there are minor cracks and uneven turf. Yard maintenance is modestly neglected (overgrown shrubs near porch). Front porch support looks intact; no visible major foundation cracks or settling in photos. Window security bars present (site security) but may affect inspection depending on egress release mechanism. No visible standing water, pests, or major exterior structural damage in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (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": 60.0,
"rationale": "Smoke detector visible in hallway (good). However several safety/code items are unknown or potentially problematic from photos: exterior window security bars are present (could impede egress if not releasable), no carbon monoxide alarm visible (gas range present so CO alarm likely required), GFCI protection in kitchen/bath not evident in photos, bedroom egress window sizes not verifiable, and electrical panel location/condition not shown. Ceilings show some localized discoloration near vents which could indicate past leak that needs verification. These unknowns and the egress/security-bar issue lower score to moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 66.7,
"rationale": "Roof shingles visible from front appear in serviceable condition. Central HVAC registers/ducts and ceiling vents are visible indicating forced-air system present (not shown operational). Kitchen appliances (gas range, fridge, dishwasher) present. Water heater and electrical panel are not photographed so their condition and age are unknown. No active water intrusion or collapsed ceilings seen, but some ceiling discoloration suggests past water that should be inspected. Given visible evidence, systems likely functional but unverified — moderate score."
}
],
"red_flags": [
"Exterior window security bars visible — potential egress hazard if not releasable from inside (possible inspection fail).",
"No carbon monoxide alarm visible in photos despite presence of gas range — CO alarm likely required.",
"Ceiling discoloration near vent/ceiling fan could indicate past or hidden water intrusion; needs verification.",
"Electrical panel and water heater not shown/verified — unknown condition is a risk for inspection and tenancy readiness."
],
"confidence": 0.95,
"assumptions": [
"Central HVAC exists and is functional (ceiling vents visible) though not explicitly tested in photos.",
"Water heater and main electrical panel are present and functional but not shown; assumed typical serviceable condition unless inspection reveals otherwise.",
"Window security bars may have internal quick-release hardware (unknown) — assumed removable for egress only for scoring; if non-removable, this is an inspection fail.",
"No active roof leaks are present; ceiling discoloration near vents is assumed to be either cosmetic/dirt or a past, repaired issue until proven otherwise.",
"Smoke detector pictured is operational; carbon monoxide alarm is not visible and assumed missing unless provided.",
"Kitchen and bath fixtures function (toilets, sink faucets, gas range) since appliances are present and home has active rental history."
],
"score_method": "mean_of_criteria",
"overall_score": 70.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8171296062"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.