Property ID: 8207606908

1559 Wood Glen Dr, Jackson, MS, 39204

Jackson, MS

For Sale Feb 16, 2026 10:52 PM UTC Realtor Zillow Street View
Money Down: $18,000 CoC Return: 9.85% Monthly Cash Flow: $148
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,000
Closing Costs
$3,000
Total Down
$18,000
Primary property image

Investment Snapshot

Purchase Price
$75,000
Money Down
$18,000
Cash-on-Cash Return
9.85%
Rent
$734
Monthly Cash Flow
$148
Annual Cash Flow
$1,773
Debt Service / Mo
$399
Property Tax / Mo
$68
Insurance / Mo
$46

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$734
Payment Standard
$1,070
Rent
$734
Insurance
$46
Property Tax
$68
Management
$73
Utilities Allowance
$336
NOI (Monthly)
$547
Debt Service
$399
Cash Flow After Debt
$148

Quality Score: 62.90%

Confidence: 90.00%

Based on the single exterior photo and listing text, the property appears structurally intact with typical exterior cosmetic deferred maintenance and an aged roof. Major visible life-safety failures are not apparent, but critical NSPIRE checklist items (smoke/CO detectors, GFCI, interior egress, operational HVAC/hot water) are not verifiable from provided materials. Expected path to pass an initial HCV/NSPIRE inspection: likely achievable with minor-to-moderate fixes (verify/install detectors, address any GFCI/electrical items, service HVAC, clean/repair cosmetic defects). Allow 2–6 weeks of work if interior systems are functional; longer if mechanical systems need replacement.

Section 8 Payment Standard
$1,070
Utility Allowance Total
$336
Guaranteed Section 8 Rent (PS - Utilities)
$734
Property Management
$73

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$75,000
Beds
3
Baths
2
Living Area
1,329 sqft
Lot Size
10,454 sqft
Year Built
1965
Days on Market
42
Capital Outlay
$18,000
Debt Service
$399
Property Tax / Mo
$68
Insurance / Mo
$46

Property Description

Perfect home for an investor looking to broaden their portfolio. This is a very nice three bedoom, 2 bath home with a fully fenced backyard. Call you favorite realtor today to take a look.

Utility Allowances

Air Conditioning
$12
Property has 'Central Air', so the fixed allowance for a 3-bedroom unit is included.
Cooking
$8
Property heating and water heater use natural gas. Natural gas was selected as the most likely fuel for cooking. The 'natural_gas' allowance for a 3-bedroom unit is used.
Heating
$21
Property information explicitly states heating is fired by 'Natural Gas'. The 'natural_gas' allowance for a 3-bedroom unit is used.
Other Electric
$69
The property is connected to electricity. This is the standard allowance for general electric usage (lights, outlets) for a 3-bedroom unit.
Range/Microwave
$3
The property information does not explicitly state that a microwave is provided. This allowance is for a tenant-owned appliance.
Refrigerator
$4
The property information does not explicitly state that a refrigerator is provided. This allowance is for a tenant-owned appliance.
Sewer
$60
Property information confirms connection to a public sewer system. The allowance for a 3-bedroom unit is used.
Trash Collection
$37
Trash collection is a standard municipal service for a single-family home. The fixed allowance is included.
Water
$104
Property information confirms connection to a public water source. The allowance for a 3-bedroom unit is used.
Water Heating
$18
Property information states a 'Gas Water Heater' is included. 'Natural gas' was selected as the fuel, and the corresponding allowance for a 3-bedroom unit is used.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$534
DP3 Annual Estimate$558
DP1 Monthly Equivalent$44
DP3 Monthly Equivalent$46
Replacement Value$39,940
Basis1,329 sqft / 1965

Nearby Houses

Nearby house 1
Photo unavailable

1550 Wood Glen Dr

sold · 0.04 mi
Price: $21,000
3 bd / 2 ba · 1,283 sqft
Latest sale: — on Dec 12, 2023
Latest rent: $1,000 on Aug 26, 2025
Photo unavailable

1547 Dorgan St

sold · 0.07 mi
Price: $69,500
3 bd / 2 ba · 1,269 sqft
Latest sale: — on Jun 25, 2021
Latest rent: —
Nearby house 3
Photo unavailable

1612 Dorgan St

sold · 0.09 mi
Price: $55,000
3 bd / 2 ba · 1,300 sqft
Latest sale: — on Jul 26, 2023
Latest rent: —
Nearby house 4
Photo unavailable

1524 Dianne Dr

for_sale · 0.10 mi
Price: $89,995
3 bd / 2 ba · 1,199 sqft
Latest sale: —
Latest rent: $825 on Aug 13, 2018
Nearby house 5
Photo unavailable

1614 Dianne Dr

sold · 0.12 mi
Price: $75,000
3 bd / 2 ba · 1,320 sqft
Latest sale: — on Oct 07, 2025
Latest rent: —
Nearby house 6
Photo unavailable

1535 Dianne Dr

sold · 0.13 mi
Price: $35,000
3 bd / 2 ba · 1,448 sqft
Latest sale: — on May 31, 2024
Latest rent: $900 on Nov 22, 2023
Nearby house 7
Photo unavailable

1559 Dianne Dr

sold · 0.14 mi
Price: $35,000
3 bd / 2 ba · 1,034 sqft
Latest sale: — on Dec 02, 2024
Latest rent: $1,450 on May 22, 2024
Nearby house 8
Photo unavailable

1511 Dianne Dr

sold · 0.14 mi
Price: $20,000
3 bd / 1 ba · 1,521 sqft
Latest sale: — on Aug 23, 2024
Latest rent: —
Nearby house 9
Photo unavailable

2180 Monaco St

sold · 0.16 mi
Price: $54,900
2 bd / 2 ba · 1,360 sqft
Latest sale: — on Sep 26, 2025
Latest rent: $1,500 on Dec 02, 2025

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Interior photos and systems details were not provided; assume interior is in fair condition consistent with exterior (some cosmetic & routine repairs needed).
  • Listing statement 'fully fenced backyard' is accurate though fence not visible in photo.
  • There is a functional forced-air HVAC system typical for a house of this type but condenser and equipment were simply not photographed.
  • Smoke and carbon monoxide detectors, GFCI outlets, and specific egress windows are not visible and are assumed absent or unverified until inspected.
  • No evidence of active roof leaks or major structural failure from the street view; roof is aged but not visibly collapsed.
  • No signs of severe mold, standing water, or fire damage observed from exterior view.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $794 $51,940 $5,194
2023 $789 $51,940 $5,194
2021 $789 $51,940 $5,194
2020 $775 $51,530 $5,153
2019 $776 $51,530 $5,153
2018 $765 $51,530 $5,153
2017 $766 $51,530 $5,153
2016 $740 $51,530 $5,153
2015 $704 $50,750 $5,075
2014 $703 $50,750 $5,075
2013 $678 $50,750 $5,075
2012 $678 $50,750 $5,075
2011 $697 $53,300 $5,330
2010 $1,361 $53,300 $7,995
2009 $1,361 $53,300 $7,995
2008 $1,361 $44,540 $4,454

Sale History

DateEventPrice
2026-01-06 Listed $75,000
2010-07-06 Listing removed $74,900
2009-12-11 Listed $74,900

Photo Gallery

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          {
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            "assessment": {
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          {
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            "assessment": {
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          {
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            "assessment": {
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              "list_price": 74900,
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            "price_sqft": null,
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            "price_change": 0,
            "days_after_listed": "207 days",
            "source_listing_id": "213956",
            "price_change_percentage": null
          },
          {
            "date": "2009-12-11",
            "price": 74900,
            "listing": {
              "status": "off_market",
              "list_date": "2009-12-11T20:19:00Z",
              "list_price": 74900,
              "listing_id": "513926779",
              "last_update_date": "2010-07-13T21:29:00Z",
              "last_status_change_date": "2010-07-06T17:08:00Z"
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            "event_name": "Listed",
            "price_sqft": null,
            "source_name": "CentralMSMLS",
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            "days_after_listed": null,
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  "property_id": "8207606908",
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    "home_photo": "https://ap.rdcpix.com/3de275e91e671f07c96afe580e8a313al-m1966768060s-w1280.jpg",
    "rent_price": 734.0,
    "loan_amount": 60000.0,
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    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 75000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 6563.38,
    "mortgage_monthly": 399.18,
    "payment_standard": 1070.0,
    "total_amount_out": 15000.0,
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    "insurance_monthly": 45.5,
    "monthly_cash_flow": 546.95,
    "property_tax_rate": 0.0095,
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        "https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
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      "effective_date": "2025-12-01"
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        "note": "Property has 'Central Air', so the fixed allowance for a 3-bedroom unit is included.",
        "utility": "Air Conditioning",
        "allowance": 12
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      {
        "note": "Property heating and water heater use natural gas. Natural gas was selected as the most likely fuel for cooking. The 'natural_gas' allowance for a 3-bedroom unit is used.",
        "utility": "Cooking",
        "allowance": 8
      },
      {
        "note": "Property information explicitly states heating is fired by 'Natural Gas'. The 'natural_gas' allowance for a 3-bedroom unit is used.",
        "utility": "Heating",
        "allowance": 21
      },
      {
        "note": "The property is connected to electricity. This is the standard allowance for general electric usage (lights, outlets) for a 3-bedroom unit.",
        "utility": "Other Electric",
        "allowance": 69
      },
      {
        "note": "The property information does not explicitly state that a microwave is provided. This allowance is for a tenant-owned appliance.",
        "utility": "Range/Microwave",
        "allowance": 3
      },
      {
        "note": "The property information does not explicitly state that a refrigerator is provided. This allowance is for a tenant-owned appliance.",
        "utility": "Refrigerator",
        "allowance": 4
      },
      {
        "note": "Property information confirms connection to a public sewer system. The allowance for a 3-bedroom unit is used.",
        "utility": "Sewer",
        "allowance": 60
      },
      {
        "note": "Trash collection is a standard municipal service for a single-family home. The fixed allowance is included.",
        "utility": "Trash Collection",
        "allowance": 37
      },
      {
        "note": "Property information confirms connection to a public water source. The allowance for a 3-bedroom unit is used.",
        "utility": "Water",
        "allowance": 104
      },
      {
        "note": "Property information states a 'Gas Water Heater' is included. 'Natural gas' was selected as the fuel, and the corresponding allowance for a 3-bedroom unit is used.",
        "utility": "Water Heating",
        "allowance": 18
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    "property_tax_annual": 817.82,
    "property_tax_monthly": 68.15,
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    "utility_allowance_total": 336.0,
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    "_fetched_payment_standard": {
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      "effective_date": "2025-10-01"
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    "property_tax_history_year": 2024,
    "annual_cash_flow_after_debt": 1773.2,
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    "runs": [
      {
        "summary": "Based on the single exterior photo and listing text, the property appears structurally intact with typical exterior cosmetic deferred maintenance and an aged roof. Major visible life-safety failures are not apparent, but critical NSPIRE checklist items (smoke/CO detectors, GFCI, interior egress, operational HVAC/hot water) are not verifiable from provided materials. Expected path to pass an initial HCV/NSPIRE inspection: likely achievable with minor-to-moderate fixes (verify/install detectors, address any GFCI/electrical items, service HVAC, clean/repair cosmetic defects). Allow 2–6 weeks of work if interior systems are functional; longer if mechanical systems need replacement.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Exterior visible from photos shows a generally intact brick ranch with no obvious structural sagging or collapsed elements. Lawn and shrubs are overgrown and curb/driveway show minor wear; cosmetic deferred maintenance likely (trim, landscaping, exterior cleaning). Roofing shows typical age-related dark staining but no obvious collapsed areas from street view. Interior condition not provided; missing appliances cannot be confirmed from photos. Overall this appears to need mostly minor to moderate cosmetic repairs and likely some capital work (roof shingle replacement within medium-term, paint/trim, interior updates) but no visible catastrophic damage."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risks (NSPIRE)",
            "score": 60.0,
            "rationale": "From the single exterior photo there are no obvious life-threatening hazards (no collapsed ceiling, no standing water, no visible electrical hazards). However critical NSPIRE items (smoke/CO detectors, GFCIs, egress windows, secure deadbolt, interior trip hazards, mold, plumbing/hot water) cannot be verified. The large tree close to the house raises potential for roof/branch hazards and root impact to sidewalks/foundation that should be inspected. Given lack of interior photos and missing direct evidence of detectors and GFCI protection, assign a conservative moderate score reflecting inspection risk rather than confirmed failure."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 55.0,
            "rationale": "No mechanical equipment (HVAC condenser, water heater, electrical meter/panel interior) is visible in the provided image; roof appears aged and may need lifecycle replacement in coming years. Age of house (1965) increases chance of older plumbing/electrical components needing updates. No visible evidence of active leaks or collapsed roof, but absence of visible HVAC/outdoor units in the photo and unknown water heater/electrical panel condition creates moderate uncertainty and some risk that mechanical work will be needed to pass inspection."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 65.0,
            "rationale": "Brick exterior and attached two-car garage appear intact. The yard is minimally maintained with overgrown shrubs and a large tree that obscures portions of the façade. Driveway is serviceable from the photo though showing wear; curb and sidewalk edges have leaves/debris. Listing claims a fully fenced backyard (not visible) which is a positive. No obvious pest infestation, severe foundation cracks, or collapsed hardscape visible from the street view."
          }
        ],
        "red_flags": [],
        "confidence": 0.55,
        "assumptions": [
          "Interior photos and systems details were not provided; assume interior is in fair condition consistent with exterior (some cosmetic & routine repairs needed).",
          "Listing statement 'fully fenced backyard' is accurate though fence not visible in photo.",
          "There is a functional forced-air HVAC system typical for a house of this type but condenser and equipment were simply not photographed.",
          "Smoke and carbon monoxide detectors, GFCI outlets, and specific egress windows are not visible and are assumed absent or unverified until inspected.",
          "No evidence of active roof leaks or major structural failure from the street view; roof is aged but not visibly collapsed.",
          "No signs of severe mold, standing water, or fire damage observed from exterior view."
        ],
        "overall_score": 63.0,
        "rubric_version": "2026-02-16_nsprite_v1"
      },
      {
        "summary": "Based on the exterior photo and listing, the property appears generally serviceable for a Section 8 initial inspection after routine work. Primary concerns are aged roof shingles, tree overhang risk, and unknown interior safety items (smoke/CO detectors, GFCIs, egress windows). Major structural failures are not visible. Expect moderate inspection risk and a likely path to pass with targeted repairs and verification of mechanical systems and required detectors.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 75.0,
            "rationale": "Exterior photo shows an intact single-story brick ranch with no obvious structural sagging or collapsed elements. Visible issues are cosmetic and routine: overgrown shrubs, leaf/debris in yard, and likely aged roof shingles. Listing indicates 3 bed / 2 bath but interior condition not shown; missing appliances cannot be confirmed from photos and therefore were not heavily penalized. Overall the property appears to need mostly minor exterior and cosmetic work and possibly a roof service within a typical maintenance window."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 60.0,
            "rationale": "From the exterior image we cannot confirm presence of required smoke/CO detectors, GFCIs, egress compliance for bedrooms, or interior handrails. No exposed wiring or obvious electrical hazards visible. Home built in 1965 creates a substantial lead-based paint risk that must be addressed per HUD rules. Large tree overhang near the roof increases risk of roof/gutter damage and falling limbs. Because interior safety items are unverified, there is moderate inspection risk that will require verification and likely minor fixes to reach NSPIRE compliance."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems / Mechanical",
            "score": 55.0,
            "rationale": "Major systems are not visible in the photos. Roof shingles appear aged and may require repair or replacement in the near term. No exterior HVAC condenser or meters are visible from the provided angle, so HVAC presence/condition and water heater condition are unknown and must be verified. Plumbing and electrical panels are not pictured. Given the house age and visual roof wear, treat major systems as uncertain and in need of inspection; potential medium-term repairs likely."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 70.0,
            "rationale": "Brick exterior appears intact with no visible foundation cracking from the street view. Driveway and two-car garage look serviceable. Yard is somewhat neglected (leaf litter, overgrown shrubs) and a large shade tree is very close to the roof line which is a site-maintenance and roof-damage risk. Listing states a fully fenced backyard (not visible in photo) which is a positive; fence should be confirmed for safety. Overall site condition is acceptable with routine cleanup and tree work recommended."
          }
        ],
        "red_flags": [
          "Potential lead-based paint risk (house built 1965).",
          "Aged roof with visible shingle wear — replacement or repair likely needed.",
          "Large tree overhanging the roof — elevated risk of roof/gutter damage and falling limbs.",
          "No exterior HVAC condenser visible in photo — verify presence and working heating/cooling system before lease (HUD major issue if missing)."
        ],
        "confidence": 0.55,
        "assumptions": [
          "Interior condition (walls, floors, appliances, plumbing fixtures, smoke/CO detectors) is not shown; assumed typical mid-condition for a 1965-built rehab candidate unless inspection shows otherwise.",
          "Listing statement of a 'fully fenced backyard' is accurate; fence condition and gate latching should be verified on site.",
          "No active roof leak or collapsed ceiling is visible from exterior; assume no catastrophic water intrusion but roof looks aged and should be inspected.",
          "Exterior HVAC condenser or heat pump is not visible in the provided photo; it may exist elsewhere on site. Systems should be tested before occupancy.",
          "Pre-1978 construction implies potential lead-based paint hazards that must be evaluated and remediated per HUD rules prior to leasing."
        ],
        "overall_score": 65.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "From the single exterior photo and listing text this 1965 brick ranch presents as a structurally intact, rentable candidate with moderate inspection risk. Visible issues are primarily age-related (roof staining/aging shingles), landscape maintenance (large tree overhanging roof, shrubs near foundation), and unknown interior/systems conditions. Because critical life-safety and systems details (smoke/CO detectors, GFCI, HVAC, water heater, electrical panel) are not visible, expect moderate corrective items to meet NSPIRE: install/verify detectors, test/mitigate potential lead paint, service or replace aged roof/HVAC components as needed. With focused checks and minor repairs it is likely to reach Section 8 readiness within 30–60 days.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 70.0,
            "rationale": "Exterior shell appears intact: full brick front, attached two-car garage, windows appear unbroken from street view. Visible deferred maintenance is limited to yard upkeep, overgrown shrubs close to foundation, and roof staining/algae which suggests aging shingles. No collapsed elements or visible major damage. Interior, kitchen and baths not shown – potential cosmetic or appliance work possible but not visible. Missing appliances not confirmed; if absent they would be moderate, fixable items. Overall condition suggests mostly minor repairs and cleaning rather than major rehab."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 55.0,
            "rationale": "Only exterior photo provided so life-safety items (smoke/CO detectors, GFCI in kitchen/bath, egress window compliance, presence of handrails) cannot be confirmed. House predates 1978 (1965) which raises lead-based paint risk if paint is peeling — requires testing and may trigger mitigation. No visible exposed wiring or collapsed structures from exterior. Large tree overhang close to roof and shrubs tight to foundation increase risk of roof/vent blockage and moisture intrusion. Because critical safety components are unknown, and lead-paint risk exists, there is moderate NSPIRE risk requiring verification and likely small corrective work."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems: HVAC, electrical, plumbing, roof",
            "score": 50.0,
            "rationale": "Roof shows aging/shingle staining and may be near end of useful life; no obvious sagging. No exterior condenser, meter, vent stacks, or water heater are visible from the provided photo, so HVAC and hot-water system presence/condition are unknown. Electrical panel and GFCI protection cannot be inspected from the image. Given age (1965) and visible roof wear, moderate risk that some systems need servicing or replacement. Without interior/system photos this category is conservative and scores mid-range."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 65.0,
            "rationale": "Front yard, driveway and curb appear serviceable though slightly overgrown. The house has a full front brick facade which is durable. The large front tree sits very close to the house; roots and canopy present potential for roof debris, gutter clogging, and foundation root impacts. Listing mentions a fully fenced backyard (not visible in provided photo) which is a positive for rental suitability. No visible standing water or major foundation cracks from street view. Overall site condition is fair-to-good with some maintenance needed."
          }
        ],
        "red_flags": [
          "Potential lead-based paint hazard — house built in 1965 (pre-1978); requires testing and possible mitigation if paint is deteriorated.",
          "Large tree overhanging roof and close to foundation — increases risk of roof damage, clogged gutters, and root-related foundation issues if not addressed.",
          "Unknown presence of required smoke/CO detectors, GFCI protection, and interior egress windows — these are common NSPIRE failure points and must be verified."
        ],
        "confidence": 0.45,
        "assumptions": [
          "Interior photos and system access were not provided; assumptions are made from exterior appearance and typical construction for a 1965 single‑family home.",
          "Listing statement 'fully fenced backyard' is taken as accurate even though the fence is not visible in the provided photo.",
          "Appliances (stove, refrigerator, washer/dryer) are not visible and may not be included; missing appliances would be treated as moderate, fixable items.",
          "A heating/cooling system and water heater exist in the house but condition and location (interior or rear yard) are unknown.",
          "No visible peeling paint on the exterior brick; however interior painted surfaces (pre-1978) may have lead-bearing paint.",
          "No visible major structural movement, sagging, or collapsed elements were observed from the single front-view photo."
        ],
        "overall_score": 60.0,
        "rubric_version": "2026-02-NSPIRE-1.0"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "1559 Wood Glen Dr, Jackson, MS, 39204",
    "aggregate": {
      "summary": "Based on the single exterior photo and listing text, the property appears structurally intact with typical exterior cosmetic deferred maintenance and an aged roof. Major visible life-safety failures are not apparent, but critical NSPIRE checklist items (smoke/CO detectors, GFCI, interior egress, operational HVAC/hot water) are not verifiable from provided materials. Expected path to pass an initial HCV/NSPIRE inspection: likely achievable with minor-to-moderate fixes (verify/install detectors, address any GFCI/electrical items, service HVAC, clean/repair cosmetic defects). Allow 2–6 weeks of work if interior systems are functional; longer if mechanical systems need replacement.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 71.7,
          "rationale": "Exterior visible from photos shows a generally intact brick ranch with no obvious structural sagging or collapsed elements. Lawn and shrubs are overgrown and curb/driveway show minor wear; cosmetic deferred maintenance likely (trim, landscaping, exterior cleaning). Roofing shows typical age-related dark staining but no obvious collapsed areas from street view. Interior condition not provided; missing appliances cannot be confirmed from photos. Overall this appears to need mostly minor to moderate cosmetic repairs and likely some capital work (roof shingle replacement within medium-term, paint/trim, interior updates) but no visible catastrophic damage."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 66.7,
          "rationale": "Brick exterior and attached two-car garage appear intact. The yard is minimally maintained with overgrown shrubs and a large tree that obscures portions of the façade. Driveway is serviceable from the photo though showing wear; curb and sidewalk edges have leaves/debris. Listing claims a fully fenced backyard (not visible) which is a positive. No obvious pest infestation, severe foundation cracks, or collapsed hardscape visible from the street view."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Risks (NSPIRE)",
          "score": 58.3,
          "rationale": "From the single exterior photo there are no obvious life-threatening hazards (no collapsed ceiling, no standing water, no visible electrical hazards). However critical NSPIRE items (smoke/CO detectors, GFCIs, egress windows, secure deadbolt, interior trip hazards, mold, plumbing/hot water) cannot be verified. The large tree close to the house raises potential for roof/branch hazards and root impact to sidewalks/foundation that should be inspected. Given lack of interior photos and missing direct evidence of detectors and GFCI protection, assign a conservative moderate score reflecting inspection risk rather than confirmed failure."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems & Mechanical",
          "score": 53.3,
          "rationale": "No mechanical equipment (HVAC condenser, water heater, electrical meter/panel interior) is visible in the provided image; roof appears aged and may need lifecycle replacement in coming years. Age of house (1965) increases chance of older plumbing/electrical components needing updates. No visible evidence of active leaks or collapsed roof, but absence of visible HVAC/outdoor units in the photo and unknown water heater/electrical panel condition creates moderate uncertainty and some risk that mechanical work will be needed to pass inspection."
        }
      ],
      "red_flags": [],
      "confidence": 0.9,
      "assumptions": [
        "Interior photos and systems details were not provided; assume interior is in fair condition consistent with exterior (some cosmetic & routine repairs needed).",
        "Listing statement 'fully fenced backyard' is accurate though fence not visible in photo.",
        "There is a functional forced-air HVAC system typical for a house of this type but condenser and equipment were simply not photographed.",
        "Smoke and carbon monoxide detectors, GFCI outlets, and specific egress windows are not visible and are assumed absent or unverified until inspected.",
        "No evidence of active roof leaks or major structural failure from the street view; roof is aged but not visibly collapsed.",
        "No signs of severe mold, standing water, or fire damage observed from exterior view."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 62.9,
      "rubric_version": "2026-02-16_nsprite_v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8207606908"
  }
}

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