Property ID: 8192477638
4848 Gaylyn Dr, Jackson, MS, 39209
Jackson, MS
Money Down: $19,200
CoC Return: 21.68%
Monthly Cash Flow: $347
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,000
Closing Costs
$3,200
Total Down
$19,200
Investment Snapshot
Purchase Price
$80,000
Money Down
$19,200
Cash-on-Cash Return
21.68%
Rent
$1,044
Monthly Cash Flow
$347
Annual Cash Flow
$4,163
Debt Service / Mo
$426
Property Tax / Mo
$121
Insurance / Mo
$46
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,044
Payment Standard
$1,380
Rent
$1,044
Insurance
$46
Property Tax
$121
Management
$104
Utilities Allowance
$336
NOI (Monthly)
$773
Debt Service
$426
Cash Flow After Debt
$347
Quality Score: 64.20%
Confidence: 87.00%
Based on the exterior photo and listing, this tenant-occupied 3-bed, 2-bath ranch (1964) appears structurally intact and likely rent-ready with minor-to-moderate repairs. Main risks are interior safety items and major-system unknowns (smoke/CO detectors, GFCI outlets, heating presence, and plumbing/electrical condition). Expect cosmetic updates, verification/installation of required detectors and GFCIs, and possible HVAC servicing or replacement. With verification and modest repairs, this property is likely able to pass an initial HCV/NSPIRE inspection within ~30 days.
Section 8 Payment Standard
$1,380
Utility Allowance Total
$336
Guaranteed Section 8 Rent (PS - Utilities)
$1,044
Property Management
$104
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$80,000
Beds
3
Baths
2
Living Area
1,310 sqft
Lot Size
10,019 sqft
Year Built
1964
Days on Market
1
Capital Outlay
$19,200
Debt Service
$426
Property Tax / Mo
$121
Insurance / Mo
$46
Property Description
Investor Opportunity! Great opportunity to take ownership of a 3-bedroom, 2-bath home offering 1,310 sq ft of comfortable living space. This property is tenant-occupied with a renter who would like to remain, making it an ideal turnkey investment for investors seeking immediate rental income.
Utility Allowances
Air Conditioning
$12
Selected based on the 3-bedroom single_family_detached schedule. The property has Central Air.
Cooking
$11
Selected 'Electric' option for a 3-bedroom unit as the property listing includes 'Electric Cooktop' and 'Electric Range'.
Heating
$21
Selected 'Natural Gas' option for a 3-bedroom unit as the property listing specifies 'Natural Gas' heating.
Other Electric
$69
Selected based on the 3-bedroom single_family_detached schedule for general electricity use (lights, outlets).
Range/Microwave
$0
Allowance is $0 because the property includes an electric range and oven, meaning the tenant does not need to provide their own appliance.
Refrigerator
$4
Allowance is included as the property listing does not state that a refrigerator is provided, so it's assumed to be tenant-owned.
Sewer
$60
Selected based on the 3-bedroom single_family_detached schedule as the property has 'Public Sewer'.
Trash Collection
$37
Included as this is a standard tenant responsibility for single-family homes and not specified as landlord-paid in the property details.
Water
$104
Selected based on the 3-bedroom single_family_detached schedule as the property has a 'Public' water source.
Water Heating
$18
Selected 'Natural Gas' option for a 3-bedroom unit as the property listing specifies a 'Gas Water Heater'.
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$534
DP3 Annual Estimate$558
DP1 Monthly Equivalent$44
DP3 Monthly Equivalent$46
Replacement Value$39,010
Basis1,310 sqft / 1964
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Photo unavailable
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— bd / — ba
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Photo unavailable
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4953 Rosehaven Dr
for_sale · 0.22 mi
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Photo unavailable
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Photo unavailable
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sold · 0.30 mi
Price: $85,000
3 bd / 2 ba · 1,536 sqft
Latest sale: — on May 02, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior was not provided; assume interior is lived-in and generally maintained because listing says tenant-occupied and tenant wants to remain.
- No visible central HVAC condenser in photo; assume heating/cooling may be a mix of central and window units or older central system—status unknown.
- Smoke and carbon monoxide detectors, GFCI outlets, and deadbolt presence are not visible in photos and are assumed possibly missing or not up to current code until verified.
- No obvious structural damage (sagging roof, foundation movement, collapsed ceilings) visible from exterior; assume none present but require interior/closer exterior inspection to confirm.
- Appliances (stove, refrigerator) inside are unknown; missing or aged appliances would be capital repairs but not immediate safety failures.
- No recent rental events in public records (rental_history_last_5y missing), so rental history was not factored into scoring.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,414 | $48,760 | $7,315 |
| 2023 | $1,407 | $48,760 | $7,315 |
| 2021 | $1,407 | $48,760 | $7,315 |
| 2020 | $1,388 | $48,370 | $7,256 |
| 2019 | $1,389 | $48,370 | $7,256 |
| 2018 | $1,373 | $48,370 | $7,256 |
| 2017 | $1,364 | $48,010 | $7,202 |
| 2016 | $687 | $48,010 | $4,801 |
| 2015 | $653 | $47,250 | $4,725 |
| 2014 | $652 | $47,250 | $4,725 |
| 2013 | $629 | $47,250 | $4,725 |
| 2012 | $629 | $47,250 | $4,725 |
| 2011 | $642 | $49,050 | $4,905 |
| 2010 | $637 | $49,050 | $4,905 |
| 2009 | $637 | $49,050 | $4,905 |
| 2008 | $637 | $41,260 | $4,126 |
| 2007 | $542 | $41,260 | $4,126 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2016-06-10 | Sold | — |
Photo Gallery
Show raw JSON (debug)
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"assessment": {
"land": 1463,
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},
{
"tax": 1407,
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"market": {
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},
"assessment": {
"land": 1463,
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}
},
{
"tax": 1407,
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"market": {
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},
"assessment": {
"land": 1463,
"total": 7315,
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}
},
{
"tax": 1388,
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"market": {
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"total": 48370,
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},
"assessment": {
"land": 1463,
"total": 7256,
"building": 5793
}
},
{
"tax": 1389,
"year": 2019,
"market": {
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"total": 48370,
"building": 38620
},
"assessment": {
"land": 1463,
"total": 7256,
"building": 5793
}
},
{
"tax": 1373,
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"market": {
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"total": 48370,
"building": 38620
},
"assessment": {
"land": 1463,
"total": 7256,
"building": 5793
}
},
{
"tax": 1364,
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"market": {
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},
"assessment": {
"land": 1463,
"total": 7202,
"building": 5739
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},
{
"tax": 687,
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"market": {
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"building": 38260
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"assessment": {
"land": 975,
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},
{
"tax": 653,
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"assessment": {
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},
{
"tax": 652,
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},
"assessment": {
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}
},
{
"tax": 629,
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"market": {
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"building": 37500
},
"assessment": {
"land": 975,
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}
},
{
"tax": 629,
"year": 2012,
"market": {
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"building": 37500
},
"assessment": {
"land": 975,
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},
{
"tax": 642,
"year": 2011,
"market": {
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"building": 39300
},
"assessment": {
"land": 975,
"total": 4905,
"building": 3930
}
},
{
"tax": 637,
"year": 2010,
"market": {
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"assessment": {
"land": 975,
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},
{
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"market": {
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"assessment": {
"land": 975,
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},
{
"tax": 637,
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"assessment": {
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},
{
"tax": 542,
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"total": 41260,
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"assessment": {
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"price": 80000,
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"list_price": 80000,
"listing_id": "2991593582",
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{
"date": "2017-08-10",
"price": 950,
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"list_date": "2017-08-10T19:15:00Z",
"list_price": 950,
"listing_id": "624295059",
"last_update_date": "2017-08-11T02:12:00Z",
"last_status_change_date": "2017-08-11T02:12:00Z"
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{
"date": "2016-06-17",
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"list_date": "2016-05-03T07:00:00Z",
"list_price": 26000,
"listing_id": "608995451",
"last_update_date": "2016-05-14T08:57:00Z",
"last_status_change_date": "2016-05-13T07:00:00Z"
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"event_name": "Listing removed",
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"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "35 days",
"source_listing_id": "285714",
"price_change_percentage": null
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{
"date": "2016-05-13",
"price": 26000,
"listing": {
"status": "off_market",
"list_date": "2016-05-03T07:00:00Z",
"list_price": 26000,
"listing_id": "608995451",
"last_update_date": "2016-05-14T08:57:00Z",
"last_status_change_date": "2016-05-13T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 19.84732824427481,
"source_name": "CentralMSMLS",
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"source_listing_id": "285714",
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}
],
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},
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},
"property_id": "8192477638",
"generated_at": "2026-02-16T23:05:43.057613Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.2
},
"utility_allowance": {
"zip_code": "39209",
"home_photo": "https://ap.rdcpix.com/77ab5d6f1f3c4de0be949018c2bd66c2l-m2234660858s-w1280.jpg",
"rent_price": 1044.0,
"loan_amount": 64000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4848-Gaylyn-Dr_Jackson_MS_39209_M81924-77638",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 80000.0,
"loan_term_years": 30,
"annual_cash_flow": 9272.78,
"mortgage_monthly": 425.79,
"payment_standard": 1380.0,
"total_amount_out": 16000.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 45.5,
"monthly_cash_flow": 772.73,
"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"
},
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{
"note": "Selected based on the 3-bedroom single_family_detached schedule. The property has Central Air.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected 'Electric' option for a 3-bedroom unit as the property listing includes 'Electric Cooktop' and 'Electric Range'.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'Natural Gas' option for a 3-bedroom unit as the property listing specifies 'Natural Gas' heating.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Selected based on the 3-bedroom single_family_detached schedule for general electricity use (lights, outlets).",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Allowance is $0 because the property includes an electric range and oven, meaning the tenant does not need to provide their own appliance.",
"utility": "Range/Microwave",
"allowance": 0
},
{
"note": "Allowance is included as the property listing does not state that a refrigerator is provided, so it's assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Selected based on the 3-bedroom single_family_detached schedule as the property has 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Included as this is a standard tenant responsibility for single-family homes and not specified as landlord-paid in the property details.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Selected based on the 3-bedroom single_family_detached schedule as the property has a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Selected 'Natural Gas' option for a 3-bedroom unit as the property listing specifies a 'Gas Water Heater'.",
"utility": "Water Heating",
"allowance": 18
}
],
"cash_on_cash_return": 0.58,
"down_payment_amount": 16000.0,
"property_tax_annual": 1456.42,
"property_tax_monthly": 121.37,
"property_tax_increase": 0.03,
"utility_allowance_total": 336.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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"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": 4163.26,
"property_management_monthly": 104.4,
"monthly_cash_flow_after_debt": 346.94,
"cash_on_cash_return_after_debt": 0.26
},
"section8_assessment": {
"runs": [
{
"summary": "Based on the exterior photo and listing, this tenant-occupied 3-bed, 2-bath ranch (1964) appears structurally intact and likely rent-ready with minor-to-moderate repairs. Main risks are interior safety items and major-system unknowns (smoke/CO detectors, GFCI outlets, heating presence, and plumbing/electrical condition). Expect cosmetic updates, verification/installation of required detectors and GFCIs, and possible HVAC servicing or replacement. With verification and modest repairs, this property is likely able to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photo and listing indicate a tenant-occupied, lived-in single-story home that appears maintained but aged (built 1964). Visible issues are cosmetic/age-related: older siding/paint, trimmed but overgrown shrubs, and an aged roof surface. No visible collapsed elements, broken windows, or missing exterior doors. Listing mentions tenant remains, suggesting functional occupancy. Missing interior photos prevent confirmation of kitchen/bath condition; missing or old appliances likely but not assumed catastrophic. Overall likely needs cosmetic updates, possible appliance replacements, and minor repairs rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No interior photos to verify smoke/CO detectors, GFCI outlets, or secure deadbolt; exterior shows intact doors and windows but an older window AC unit in a front window (could impact egress depending on location). No visible exposed wiring, severe water intrusion, sagging roof, or collapsed elements from exterior view. Because the home is older (1964), there is moderate risk for missing modern safety items (CO alarms, GFCI in kitchen/baths) and potential lead-based paint issues. These are repairable but represent inspection risk without interior verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 55.0,
"rationale": "Roof appears aged but not visibly failed; no active roof sag or obvious leaks from exterior image. No external central HVAC condenser is visible in the photo and a window AC unit is present at a front window, raising uncertainty about central heating/cooling; absence of visible heating system is a moderate systems risk for Section 8. Electrical and plumbing systems cannot be confirmed from photos; water heater and drainage were not shown. Given age and unknowns, expect some system servicing or verification required prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front yard shows normal wear and dormant turf; driveway and walk appear intact. Siding and trim present with some age-related wear; shrubs are well-established and partially overgrown but not indicating structural damage. No visible foundation settlement, major cracks, standing water, or pest infestation evidence from the provided exterior photo. Two-car garage and covered entry present, which is favorable for tenant use."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior was not provided; assume interior is lived-in and generally maintained because listing says tenant-occupied and tenant wants to remain.",
"No visible central HVAC condenser in photo; assume heating/cooling may be a mix of central and window units or older central system—status unknown.",
"Smoke and carbon monoxide detectors, GFCI outlets, and deadbolt presence are not visible in photos and are assumed possibly missing or not up to current code until verified.",
"No obvious structural damage (sagging roof, foundation movement, collapsed ceilings) visible from exterior; assume none present but require interior/closer exterior inspection to confirm.",
"Appliances (stove, refrigerator) inside are unknown; missing or aged appliances would be capital repairs but not immediate safety failures.",
"No recent rental events in public records (rental_history_last_5y missing), so rental history was not factored into scoring."
],
"overall_score": 64.0,
"rubric_version": "nsPIRE-v1-2026-02"
},
{
"summary": "Based on the available exterior photo and listing text, this property appears moderately turnkey for Section 8 tenancy but has several unknowns that require quick verification. Exterior shows no major structural failures; the home is tenant‑occupied which supports habitability. Primary inspection risks are unverified interior safety items (smoke/CO detectors, GFCI, egress windows), system age (HVAC, electrical, water heater), and roof lifecycle. Likely outcome: property could pass an initial HCV/NSPIRE inspection after small to moderate fixes (install/verify detectors, address any GFCI or minor electrical/plumbing items, service HVAC) — expect minor repairs and verification within ~30 days in most cases.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Front exterior photo shows a maintained but dated single‑story ranch: intact siding/paint, trimmed shrubs, and an intact driveway though surface discoloration is present. No visible collapsed or severely damaged elements. Listing says tenant‑occupied which often indicates basic habitability. Interior condition not shown; assume average wear for a 1964 home. Missing interior details (appliances, flooring, drywall) may require cosmetic fixes but nothing in the photo indicates major deferred maintenance. Score reduced moderately to reflect age and unknown interior appliance/fixture condition."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible from exterior: no collapsed roof, no standing water, no visible major foundation movement, entry door present. Window AC visible suggests at least some cooling but central HVAC presence not confirmed. Cannot verify smoke/CO detectors, GFCI outlets, electrical panel integrity, or bedroom egress from photos. Small front porch has 1–2 steps and no visible handrail (not necessarily a violation depending on riser count). Moderate risk exists due to many required safety items being unverified; likely addressable quickly if missing (install detectors, GFCI)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 55.0,
"rationale": "Roof appears older but not visibly failed (no obvious sagging or large missing sections) — likely near mid/late service life given house age. No exterior condenser or mechanical equipment clearly visible from the single photo; a window AC unit is present which could indicate limited or supplemental cooling. Plumbing, water heater, electrical panel and drains are not visible; tenant occupancy implies basic functionality but systems likely older and should be inspected. Given age and unknowns, assign a conservative moderate score reflecting potential need for HVAC servicing, electrical check, and water‑heater/plumbing verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Yard and shrubs are maintained though lawn is dormant; driveway is intact without large cracks or trip hazards visible. Siding/paint looks serviceable from the street; foundation appears level with no visible large cracks or settlement. No signs of exterior neglect or infestation in the provided photo. Drainage patterns and downspouts not visible; assume typical suburban grading. Overall exterior/site condition appears acceptable with minor cosmetic addressing likely."
}
],
"red_flags": [],
"confidence": 0.5,
"assumptions": [
"Interior rooms, fixtures, appliances, smoke/CO detectors, and electrical panel are not shown; assume average tenant‑occupied condition for a 1964 home unless inspection indicates otherwise.",
"Tenant‑occupied statement in listing counts as evidence of recent rental activity even though public rental_history field is missing.",
"No visible structural sagging, major foundation cracks, collapsed ceilings, or standing water in photo; assume these major failures are absent.",
"Window AC suggests at least some cooling; central HVAC system presence and condition are unknown and may require servicing or replacement due to property age.",
"Roof appears aged but without visible active leaks; assume roof is near mid/late service life and may need replacement within several years."
],
"overall_score": 65.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Overall the property presents as a moderately well-maintained, tenant-occupied single-family home built in 1964. Exterior condition suggests mostly cosmetic and age-related items; I estimate the property is likely to achieve a Section 8 / HCV initial inspection after minor repairs and basic safety fixes (smoke/CO detectors, GFCI outlets, door hardware) — likely rent-ready within about 2–4 weeks if interior issues are similar to exterior condition. Key systems (roof, HVAC, plumbing, electrical panel) require verification; the aged roof and lack of visible central AC are the primary system concerns that could lengthen preparation time if repairs are needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior photo shows a single-story ranch with intact siding, an attached two-car garage and generally tidy but aged curb appeal. Lawn is dormant/overgrown and driveway has staining; exterior paint/trim appears weathered but not failing. No obvious collapsed surfaces or large holes visible. Interior condition not shown; listing indicates tenant-occupied which suggests inside is probably serviceable. Missing appliances are not observed in photos; because the property is tenant-occupied I assume basic appliances are present. Overall this appears to need mostly cosmetic and minor repairs rather than major rehabilitation."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 60.0,
"rationale": "No life-threatening hazards are visible from the exterior photo: no collapsed ceilings, no standing water, no visible major foundation movement, and no exposed wiring. However critical NSPIRE checkpoints cannot be confirmed from the single exterior image: smoke/CO detectors, GFCI presence, electrical panel condition, interior egress windows, presence of deadbolt on entry door, and plumbing/hot water operation are unknown. A window AC unit is visible which may indicate non-central cooling; if that unit is in a required bedroom egress window it could be a problem. Based on visible condition I assess moderate risk — remedial safety items are likely discoverable during an interior inspection (missing detectors, GFCI, door hardware) but no clear immediate life-safety failures are observed from the photo."
},
{
"key": "systems_mechanical",
"label": "Major systems: roof, HVAC, electrical, plumbing",
"score": 55.0,
"rationale": "Roof shingles appear aged and may be near end-of-life given the vintage of the house (1964), but no obvious sagging or active leak evidence is visible from the front. No outdoor HVAC condenser is visible in the photo; a window AC unit is installed in a front window which suggests either the central AC is inoperative or there is no central cooling. Mechanical systems (furnace, water heater, electrical panel, plumbing) cannot be confirmed; given age of home there is moderate probability that some system work or service will be required. This is a medium risk area requiring in-person verification."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Foundation and exterior walls visible appear intact with no obvious major cracks or settling. Landscaping is overgrown/dormant and could use basic maintenance. Driveway and walkways appear serviceable with normal wear. Gutters are not clearly visible in the photo; drainage conditions cannot be fully assessed. No evidence of significant exterior neglect or infestation is visible from the provided image."
}
],
"red_flags": [],
"confidence": 0.48,
"assumptions": [
"Interior condition is not shown; assume tenant occupies unit and basic appliances exist but interior safety items (smoke/CO detectors, GFCI) may be missing or need service.",
"Window AC visible likely provides cooling for at least one room; assume central HVAC either absent or inoperative until confirmed.",
"No visible structural sagging, collapsed ceilings, or standing water in exterior photo; assume no active leak or major foundation failure unless interior/exterior inspection reveals otherwise.",
"Listing statement that the property is tenant-occupied is accepted as evidence of recent rental activity despite the public rental_history_last_5y field being empty.",
"Electrical panel, water heater, plumbing fixtures, and presence of deadbolt are unknown and could require repair or verification during inspection."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4848 Gaylyn Dr, Jackson, MS, 39209",
"aggregate": {
"summary": "Based on the exterior photo and listing, this tenant-occupied 3-bed, 2-bath ranch (1964) appears structurally intact and likely rent-ready with minor-to-moderate repairs. Main risks are interior safety items and major-system unknowns (smoke/CO detectors, GFCI outlets, heating presence, and plumbing/electrical condition). Expect cosmetic updates, verification/installation of required detectors and GFCIs, and possible HVAC servicing or replacement. With verification and modest repairs, this property is likely able to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photo and listing indicate a tenant-occupied, lived-in single-story home that appears maintained but aged (built 1964). Visible issues are cosmetic/age-related: older siding/paint, trimmed but overgrown shrubs, and an aged roof surface. No visible collapsed elements, broken windows, or missing exterior doors. Listing mentions tenant remains, suggesting functional occupancy. Missing interior photos prevent confirmation of kitchen/bath condition; missing or old appliances likely but not assumed catastrophic. Overall likely needs cosmetic updates, possible appliance replacements, and minor repairs rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front yard shows normal wear and dormant turf; driveway and walk appear intact. Siding and trim present with some age-related wear; shrubs are well-established and partially overgrown but not indicating structural damage. No visible foundation settlement, major cracks, standing water, or pest infestation evidence from the provided exterior photo. Two-car garage and covered entry present, which is favorable for tenant use."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 61.7,
"rationale": "No interior photos to verify smoke/CO detectors, GFCI outlets, or secure deadbolt; exterior shows intact doors and windows but an older window AC unit in a front window (could impact egress depending on location). No visible exposed wiring, severe water intrusion, sagging roof, or collapsed elements from exterior view. Because the home is older (1964), there is moderate risk for missing modern safety items (CO alarms, GFCI in kitchen/baths) and potential lead-based paint issues. These are repairable but represent inspection risk without interior verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 55.0,
"rationale": "Roof appears aged but not visibly failed; no active roof sag or obvious leaks from exterior image. No external central HVAC condenser is visible in the photo and a window AC unit is present at a front window, raising uncertainty about central heating/cooling; absence of visible heating system is a moderate systems risk for Section 8. Electrical and plumbing systems cannot be confirmed from photos; water heater and drainage were not shown. Given age and unknowns, expect some system servicing or verification required prior to inspection."
}
],
"red_flags": [],
"confidence": 0.87,
"assumptions": [
"Interior was not provided; assume interior is lived-in and generally maintained because listing says tenant-occupied and tenant wants to remain.",
"No visible central HVAC condenser in photo; assume heating/cooling may be a mix of central and window units or older central system—status unknown.",
"Smoke and carbon monoxide detectors, GFCI outlets, and deadbolt presence are not visible in photos and are assumed possibly missing or not up to current code until verified.",
"No obvious structural damage (sagging roof, foundation movement, collapsed ceilings) visible from exterior; assume none present but require interior/closer exterior inspection to confirm.",
"Appliances (stove, refrigerator) inside are unknown; missing or aged appliances would be capital repairs but not immediate safety failures.",
"No recent rental events in public records (rental_history_last_5y missing), so rental history was not factored into scoring."
],
"score_method": "mean_of_criteria",
"overall_score": 64.2,
"rubric_version": "nsPIRE-v1-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8192477638"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.