Property ID: 8212910044

305 Francis St, Jackson, MS, 39206

Jackson, MS

For Sale Feb 16, 2026 10:59 PM UTC Realtor Zillow Street View
Money Down: $25,200 CoC Return: 27.34% Monthly Cash Flow: $574
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,000
Closing Costs
$4,200
Total Down
$25,200
Primary property image

Investment Snapshot

Purchase Price
$105,000
Money Down
$25,200
Cash-on-Cash Return
27.34%
Rent
$1,457
Monthly Cash Flow
$574
Annual Cash Flow
$6,888
Debt Service / Mo
$559
Property Tax / Mo
$140
Insurance / Mo
$38

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,457
Payment Standard
$1,530
Rent
$1,457
Insurance
$38
Property Tax
$140
Management
$146
Utilities Allowance
$73
NOI (Monthly)
$1,133
Debt Service
$559
Cash Flow After Debt
$574

Quality Score: 65.70%

Confidence: 95.00%

This 3-bed, 2-bath ranch appears structurally intact and largely move-in ready with mostly cosmetic repairs and site cleanup. The primary NSPIRE risks are lack of visible smoke/CO detectors and unsecured exterior wiring; mechanical systems (HVAC, water heater) are not fully verified in photos and should be tested. With quick fixes (install/verify detectors, secure/repair exterior wiring, add GFCI outlets as needed, clean yard, minor interior touch-ups) the home is likely to pass an initial HCV inspection within 1–4 weeks.

Section 8 Payment Standard
$1,530
Utility Allowance Total
$73
Guaranteed Section 8 Rent (PS - Utilities)
$1,457
Property Management
$146

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$105,000
Beds
3
Baths
2
Living Area
1,315 sqft
Lot Size
23,958 sqft
Year Built
1960
Days on Market
31
Capital Outlay
$25,200
Debt Service
$559
Property Tax / Mo
$140
Insurance / Mo
$38

Property Description

Nice home located in great area of town. close to schools, shopping hospitals, transportation. 3 bedrooms 2 full baths on corner lot with fenced large back yard

Utility Allowances

Air Conditioning
$12
Property has Central Air conditioning as per 'resoFacts.cooling'.
Cooking
$11
Property has an electric cooktop as per 'resoFacts.appliances'.
Heating
$50

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$452
DP3 Annual Estimate$472
DP1 Monthly Equivalent$38
DP3 Monthly Equivalent$39
Replacement Value$31,220
Basis1,315 sqft / 1960

Nearby Houses

Nearby house 1
Photo unavailable

310 Bounds St

for_sale · 0.03 mi
Price: $129,000
3 bd / 2 ba · 1,277 sqft
Latest sale: — on Aug 07, 2014
Latest rent: —
Nearby house 2
Photo unavailable

314 Francis St

sold · 0.07 mi
Price: $159,900
4 bd / 3 ba · 1,506 sqft
Latest sale: — on Sep 16, 2024
Latest rent: —
Nearby house 3
Photo unavailable

346 Bounds St

sold · 0.10 mi
Price: $159,900
3 bd / 2 ba · 1,863 sqft
Latest sale: — on Dec 09, 2022
Latest rent: —
Nearby house 4
Photo unavailable

338 Francis St

sold · 0.12 mi
Price: $125,000
3 bd / 2 ba · 1,300 sqft
Latest sale: — on Mar 18, 2025
Latest rent: —
Nearby house 5
Photo unavailable

359 Francis St

sold · 0.14 mi
Price: $120,000
3 bd / 2 ba · 1,298 sqft
Latest sale: — on Feb 12, 2025
Latest rent: $1,470 on Feb 24, 2025
Nearby house 6
Photo unavailable

364 Bounds St

off_market · 0.15 mi
Price: $135,000
4 bd / 2 ba · 1,960 sqft
Latest sale: — on Dec 31, 2014
Latest rent: —
Nearby house 7
Photo unavailable

355 Bounds St

sold · 0.15 mi
Price: $125,000
3 bd / 2 ba · 1,269 sqft
Latest sale: — on Mar 01, 2023
Latest rent: —
Nearby house 8
Photo unavailable

805 Serville Dr

for_sale · 0.18 mi
Price: $150,000
3 bd / 2 ba · 1,332 sqft
Latest sale: — on Sep 20, 2023
Latest rent: —
Nearby house 9
Photo unavailable

384 Bounds St

off_market · 0.19 mi
Price: $125,000
3 bd / 4 ba · 1,463 sqft
Latest sale: —
Latest rent: —
Nearby house 10
Photo unavailable

306 Cedars of Lebanon Rd

sold · 0.21 mi
Price: $87,500
4 bd / 2 ba · 1,442 sqft
Latest sale: — on Jan 29, 2024
Latest rent: —
Nearby house 11
Photo unavailable

5261 Clair St

sold · 0.22 mi
Price: $123,430
3 bd / 2 ba · 1,333 sqft
Latest sale: — on Dec 10, 2024
Latest rent: —
Nearby house 12
Photo unavailable

312 Cedars of Lebanon Rd

sold · 0.22 mi
Price: $112,000
3 bd / 1 ba · 1,100 sqft
Latest sale: — on Mar 14, 2025
Latest rent: $1,588 on Jul 11, 2025
Nearby house 13
Photo unavailable

111 Chatham Cir

sold · 0.23 mi
Price: $83,000
3 bd / 2 ba · 1,144 sqft
Latest sale: — on Jan 30, 2026
Latest rent: —
Nearby house 14
Photo unavailable

877 Serville Dr

sold · 0.23 mi
Price: $180,000
3 bd / 3 ba · 1,711 sqft
Latest sale: — on Jul 21, 2022
Latest rent: $1,050 on Jan 24, 2017
Nearby house 15
Photo unavailable

5371 Clair St

sold · 0.23 mi
Price: $130,000
3 bd / 2 ba · 1,328 sqft
Latest sale: — on Jun 05, 2023
Latest rent: —
Nearby house 16
Photo unavailable

160 Cedars of Lebanon Rd

sold · 0.25 mi
Price: $77,500
3 bd / 1 ba · 1,128 sqft
Latest sale: —
Latest rent: —
Nearby house 17
Photo unavailable

154 Cedars of Lebanon Rd

sold · 0.26 mi
Price: $34,900
3 bd / 1 ba · 1,047 sqft
Latest sale: — on Apr 30, 2024
Latest rent: $1,300 on Feb 10, 2025
Nearby house 18
Photo unavailable

5413 Crepe Myrtle Dr

for_sale · 0.26 mi
Price: $150,000
3 bd / 2 ba · 1,600 sqft
Latest sale: —
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success
  • Visible unsecured/exposed exterior electrical wiring/cables near soffit and meter (code/safety risk).
  • No visible smoke detectors or CO alarms in interior photos (NSPIRE required).
  • Unknown operation/verification of HVAC condenser and water heater (major systems unverified).
  • Backyard debris and possible pet-related wear that may require remediation prior to lease.

Assumptions

  • No smoke or carbon monoxide detectors are present because none are visible in interior photos; assume detectors need installation or verification.
  • Central HVAC exists (ceiling vents visible), but outdoor condenser and system operation were not photographed; assume unit exists but requires verification/service.
  • Water heater presence and hot water functionality are not shown; assume a water heater exists but must be tested.
  • Bedroom egress windows and GFCI protection in kitchen/bath are not clearly shown; assume these may need verification or minor upgrades.
  • Electrical panel and meter are intact as shown, but exterior wiring visible in photos is loose and requires remediation.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,630 $56,220 $8,433
2023 $1,622 $56,220 $8,433
2021 $853 $56,220 $5,622
2020 $841 $55,920 $5,592
2019 $842 $55,920 $5,592
2018 $830 $55,920 $5,592
2017 $1,588 $55,920 $8,388
2016 $1,547 $55,920 $8,388
2015 $989 $55,260 $5,526

Sale History

DateEventPrice
2017-10-16 Sold
2017-03-15 Sold

Photo Gallery

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              "County: Hinds",
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              "last_update_date": "2021-07-01T17:08:41Z",
              "last_status_change_date": "2021-08-24T09:17:15Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "339944",
            "price_change_percentage": null
          },
          {
            "date": "2021-07-09",
            "price": 96500,
            "listing": {
              "status": "off_market",
              "list_date": "2021-04-24T18:02:32Z",
              "list_price": 96500,
              "listing_id": "2928566834",
              "last_update_date": "2021-07-01T17:08:41Z",
              "last_status_change_date": "2021-08-24T09:17:15Z"
            },
            "event_name": "Relisted",
            "price_sqft": 73.38403041825094,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "339944",
            "price_change_percentage": null
          },
          {
            "date": "2021-07-01",
            "price": 96500,
            "listing": {
              "status": "off_market",
              "list_date": "2021-04-24T18:02:32Z",
              "list_price": 96500,
              "listing_id": "2928566834",
              "last_update_date": "2021-07-01T17:08:41Z",
              "last_status_change_date": "2021-08-24T09:17:15Z"
            },
            "event_name": "Listing removed",
            "price_sqft": 73.38403041825094,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "339944",
            "price_change_percentage": null
          },
          {
            "date": "2021-05-07",
            "price": 96500,
            "listing": {
              "status": "off_market",
              "list_date": "2021-04-24T18:02:32Z",
              "list_price": 96500,
              "listing_id": "2928566834",
              "last_update_date": "2021-07-01T17:08:41Z",
              "last_status_change_date": "2021-08-24T09:17:15Z"
            },
            "event_name": "Relisted",
            "price_sqft": 73.38403041825094,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "339944",
            "price_change_percentage": null
          },
          {
            "date": "2021-04-30",
            "price": 96500,
            "listing": {
              "status": "off_market",
              "list_date": "2021-04-24T18:02:32Z",
              "list_price": 96500,
              "listing_id": "2928566834",
              "last_update_date": "2021-07-01T17:08:41Z",
              "last_status_change_date": "2021-08-24T09:17:15Z"
            },
            "event_name": "Listing removed",
            "price_sqft": 73.38403041825094,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": "6 days",
            "source_listing_id": "339944",
            "price_change_percentage": null
          },
          {
            "date": "2021-04-24",
            "price": 96500,
            "listing": {
              "status": "off_market",
              "list_date": "2021-04-24T18:02:32Z",
              "list_price": 96500,
              "listing_id": "2928566834",
              "last_update_date": "2021-07-01T17:08:41Z",
              "last_status_change_date": "2021-08-24T09:17:15Z"
            },
            "event_name": "Listed",
            "price_sqft": 73.38403041825094,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "339944",
            "price_change_percentage": null
          },
          {
            "date": "2017-10-17",
            "price": 98500,
            "listing": {
              "status": "off_market",
              "list_date": "2017-08-21T07:00:00Z",
              "list_price": 98500,
              "listing_id": "624665759",
              "last_update_date": "2017-10-16T10:04:00Z",
              "last_status_change_date": "2017-10-15T07:00:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": 74.90494296577947,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": "42 days",
            "source_listing_id": "300694",
            "price_change_percentage": null
          },
          {
            "date": "2017-09-05",
            "price": 98500,
            "listing": {
              "status": "off_market",
              "list_date": "2017-08-21T07:00:00Z",
              "list_price": 98500,
              "listing_id": "624665759",
              "last_update_date": "2017-10-16T10:04:00Z",
              "last_status_change_date": "2017-10-15T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": 74.90494296577947,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "300694",
            "price_change_percentage": null
          },
          {
            "date": "2017-02-22",
            "price": 24900,
            "listing": {
              "status": "off_market",
              "list_date": "2017-01-11T07:00:00Z",
              "list_price": 24900,
              "listing_id": "616846431",
              "last_update_date": "2017-02-08T04:32:00Z",
              "last_status_change_date": "2017-02-07T07:00:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": 18.935361216730037,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": "21 days",
            "source_listing_id": "292980",
            "price_change_percentage": null
          },
          {
            "date": "2017-02-01",
            "price": 24900,
            "listing": {
              "status": "off_market",
              "list_date": "2017-01-11T07:00:00Z",
              "list_price": 24900,
              "listing_id": "616846431",
              "last_update_date": "2017-02-08T04:32:00Z",
              "last_status_change_date": "2017-02-07T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": 18.935361216730037,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "292980",
            "price_change_percentage": null
          },
          {
            "date": "2010-01-19",
            "price": 89995,
            "listing": {
              "status": "off_market",
              "list_date": "2010-01-19T04:05:00Z",
              "list_price": 89995,
              "listing_id": "514654687",
              "last_update_date": "2010-02-13T23:29:00Z",
              "last_status_change_date": "2010-01-19T16:56:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": "1 day",
            "source_listing_id": "214834",
            "price_change_percentage": null
          },
          {
            "date": "2010-01-18",
            "price": 89995,
            "listing": {
              "status": "off_market",
              "list_date": "2010-01-19T04:05:00Z",
              "list_price": 89995,
              "listing_id": "514654687",
              "last_update_date": "2010-02-13T23:29:00Z",
              "last_status_change_date": "2010-01-19T16:56:00Z"
            },
            "event_name": "Listed",
            "price_sqft": null,
            "source_name": "CentralMSMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "214834",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": true
  },
  "property_id": "8212910044",
  "generated_at": "2026-02-16T22:59:53.924374Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 65.7
  },
  "utility_allowance": {
    "zip_code": "39206",
    "home_photo": "https://ap.rdcpix.com/dffaebace43cb8cc49f6b64818581f25l-m3700068172s-w1280.jpg",
    "rent_price": 1457.0,
    "loan_amount": 84000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/305-Francis-St_Jackson_MS_39206_M82129-10044",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 105000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 13594.7,
    "mortgage_monthly": 558.85,
    "payment_standard": 1530.0,
    "total_amount_out": 21000.0,
    "additional_photos": [
      "https://ap.rdcpix.com/dffaebace43cb8cc49f6b64818581f25l-m33741128s-w1280.jpg",
      "https://ap.rdcpix.com/dffaebace43cb8cc49f6b64818581f25l-m921231854s-w1280.jpg",
      "https://ap.rdcpix.com/dffaebace43cb8cc49f6b64818581f25l-m3444419101s-w1280.jpg",
      "https://ap.rdcpix.com/dffaebace43cb8cc49f6b64818581f25l-m3916032235s-w1280.jpg",
      "https://ap.rdcpix.com/dffaebace43cb8cc49f6b64818581f25l-m2414280319s-w1280.jpg",
      "https://ap.rdcpix.com/dffaebace43cb8cc49f6b64818581f25l-m1790062711s-w1280.jpg",
      "https://ap.rdcpix.com/dffaebace43cb8cc49f6b64818581f25l-m2880340137s-w1280.jpg",
      "https://ap.rdcpix.com/dffaebace43cb8cc49f6b64818581f25l-m3770735400s-w1280.jpg",
      "https://ap.rdcpix.com/dffaebace43cb8cc49f6b64818581f25l-m4135881720s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 38.5,
    "monthly_cash_flow": 1132.89,
    "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 per 'resoFacts.cooling'.",
        "utility": "Air Conditioning",
        "allowance": 12
      },
      {
        "note": "Property has an electric cooktop as per 'resoFacts.appliances'.",
        "utility": "Cooking",
        "allowance": 11
      },
      {
        "note": null,
        "utility": "Heating",
        "allowance": 50
      }
    ],
    "cash_on_cash_return": 0.65,
    "down_payment_amount": 21000.0,
    "property_tax_annual": 1678.9,
    "property_tax_monthly": 139.91,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 73.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://www.huduser.gov/portal/datasets/pdr.html",
        "https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
      ],
      "effective_date": "2025-10-01"
    },
    "property_tax_history_year": 2024,
    "annual_cash_flow_after_debt": 6888.45,
    "property_management_monthly": 145.7,
    "monthly_cash_flow_after_debt": 574.04,
    "cash_on_cash_return_after_debt": 0.33
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This 3-bed, 2-bath ranch appears structurally intact and largely move-in ready with mostly cosmetic repairs and site cleanup. The primary NSPIRE risks are lack of visible smoke/CO detectors and unsecured exterior wiring; mechanical systems (HVAC, water heater) are not fully verified in photos and should be tested. With quick fixes (install/verify detectors, secure/repair exterior wiring, add GFCI outlets as needed, clean yard, minor interior touch-ups) the home is likely to pass an initial HCV inspection within 1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior appears lived-in but generally intact: hardwood floors, painted walls, functioning built-in oven, range hood, refrigerator and dishwasher visible. Kitchen cabinets and some trim show cosmetic wear and age; photos show clutter but no obvious major damage. Bath tile surround looks serviceable. Exterior paint/siding intact from photos. Missing minor items likely (outlet covers, touch-up paint, cabinet hardware). Overall repairs appear minor and primarily cosmetic; missing/old finishes reduce score slightly."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk (NSPIRE)",
            "score": 55.0,
            "rationale": "Visible safety concerns: exterior electrical cables and wiring near soffit appear loosely run and should be secured/inspected (possible code violation). No smoke detectors or carbon monoxide alarms are visible in interior photos (NSPIRE requires proper placement); assumption that detectors are absent or not compliant reduces score. Entry door deadbolt not clearly visible in photos. GFCI presence in kitchen/bath not verifiable. No signs of active water intrusion, sagging ceilings, collapsed elements, or severe mold in photos. Bedroom egress windows not clearly shown. Overall moderate inspection risk due to uncertain/absent detectors and exterior wiring; repairs likely needed to meet HUD standards."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 60.0,
            "rationale": "Central HVAC supply vents visible in ceilings suggesting forced-air heating/cooling exists, but outdoor condenser/heating equipment not shown for verification. Electrical meter and service panel are present externally and appear intact in photos though some wiring is untidy. No water heater or visible hot water source shown. No visible roof leaks or interior water stains; chimney appears intact. Given limited confirmatory photos, assume systems are functional but require verification/servicing; unknowns (condenser, water heater age/operation) reduce score."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 65.0,
            "rationale": "House sits on a corner lot with large fenced backyard — positive for tenants. Siding and chimney appear serviceable; roof shows no obvious major failure in provided photos. Yard has debris and signs of neglect (dog house, scattered items) and needs clean-up; walkways/driveway appear usable. Exterior wiring and cables near soffit and around meter are a concern for code compliance and should be secured. Fence present but condition not fully verified. Overall exterior is functional but needs minor to moderate maintenance and electrical cleanup."
          }
        ],
        "red_flags": [
          "Visible unsecured/exposed exterior electrical wiring/cables near soffit and meter (code/safety risk).",
          "No visible smoke detectors or CO alarms in interior photos (NSPIRE required).",
          "Unknown operation/verification of HVAC condenser and water heater (major systems unverified).",
          "Backyard debris and possible pet-related wear that may require remediation prior to lease."
        ],
        "confidence": 0.65,
        "assumptions": [
          "No smoke or carbon monoxide detectors are present because none are visible in interior photos; assume detectors need installation or verification.",
          "Central HVAC exists (ceiling vents visible), but outdoor condenser and system operation were not photographed; assume unit exists but requires verification/service.",
          "Water heater presence and hot water functionality are not shown; assume a water heater exists but must be tested.",
          "Bedroom egress windows and GFCI protection in kitchen/bath are not clearly shown; assume these may need verification or minor upgrades.",
          "Electrical panel and meter are intact as shown, but exterior wiring visible in photos is loose and requires remediation."
        ],
        "overall_score": 65.0,
        "rubric_version": "nsPIRE-2024-v1"
      },
      {
        "summary": "Overall this 1960 single‑family home appears mostly sound with cosmetic wear and some dated finishes. The unit is likely repairable to pass an initial HCV/NSPIRE inspection within 30 days if the owner addresses safety items: install/verify smoke and CO detectors, correct the loose exterior wiring, confirm GFCI protection in kitchen/baths, and complete minor cosmetic repairs and system verifications. Major structural or roofing failures are not visible in the photos, but an electrician and HVAC/water‑heater check are recommended prior to listing for Section 8.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 72.0,
            "rationale": "Interior appears lived-in but generally intact: hardwood floors look serviceable, walls and ceilings show no obvious large holes or collapsed areas. Kitchen and baths are older but appear functional — there is a refrigerator, built-in oven, cooktop, range hood and a dishwasher visible. Cabinets and finishes show wear, paint and cabinet refresh likely needed, and countertops are dated. Some clutter is present but that is cosmetic. No major visible water damage, collapsed ceilings, or exposed subfloor. Overall mostly cosmetic and medium-effort repairs (paint, cabinet hardware, minor carpentry) rather than major rehab."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 56.0,
            "rationale": "Moderate risk. No smoke detectors or CO alarms are visible in photos (required by NSPIRE/local codes), which will likely cause an immediate fail if absent/ nonfunctional. Exterior photo shows multiple loose/looped utility cables and conduit on the rear wall/soffit area that could be an electrical/code concern that requires correction by an electrician. Electrical meter/panel appears present and intact from exterior photo but internal panel not shown. Egress windows in bedrooms not clearly shown but windows appear typical for single‑story home. Plumbing fixtures and bathtub/shower appear intact. No visible active leaks, major mold, or structural collapse. Missing/unclear GFCI protection in kitchen/bath (not visible) reduces score."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 65.0,
            "rationale": "Evidence of central HVAC (ceiling vents) suggests heating/cooling present but equipment condition not shown. Electrical service and meter are present; loose exterior wiring is a concern but the electrical box itself appears mounted. Kitchen appliances are present (fridge, oven, cooktop, dishwasher) which helps move toward rent-ready, though appliance function unknown. Roof shows no obvious sagging or large missing areas in photos but is older and should be inspected; chimney and flashing appear intact. Water heater not shown. Overall systems likely functional but older and would benefit from professional checks and minor repairs."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 70.0,
            "rationale": "Exterior siding and brickwork look intact with no visible major foundation cracking or sagging. Front yard, driveway and sidewalks are serviceable; rear yard is large and reportedly fenced (fence not clearly shown in photos but chain link appears in back yard photo). There is yard debris and a dog house present which are easy-to-fix clean-up items. Trees are large and close to house — routine maintenance advisable. No standing water visible, but grading around foundation is not clearly shown and should be verified."
          }
        ],
        "red_flags": [
          "Loose/exposed exterior electrical wiring and conduit visible on rear wall/soffit — potential electrical hazard requiring electrician correction.",
          "No visible smoke detectors or CO alarms in interior photos — NSPIRE likely requires functioning units installed.",
          "Older property (built 1960) with unknown lead-based paint risk (no peeling or chipping paint visible but age raises potential lead risk that must be managed per local/HUD rules)."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Smoke and carbon monoxide detectors are not present or were not visible in photos — assume they are missing or unverified and must be installed/checked.",
          "Central HVAC is present and operational because ceiling vents are visible; no major heating absence is assumed.",
          "Kitchen appliances pictured (refrigerator, built-in oven, cooktop, dishwasher) are present and likely functional, but functionality not confirmed.",
          "No visible active roof leaks or major structural movement; roof age is unknown but appears serviceable from photos.",
          "Back yard is fenced as listing states; fencing condition not fully verified from photos and may need minor repairs.",
          "Electrical meter/panel is serviceable though loose exterior wiring/cables are a code concern needing correction."
        ],
        "overall_score": 66.0,
        "rubric_version": "1.0"
      },
      {
        "summary": "This single-family property appears structurally sound and generally well maintained with working kitchen and bath fixtures, intact floors and an intact roof/chimney. Likely to require only minor to moderate repairs to pass an initial Housing Choice Voucher (NSPIRE) inspection: main concerns are lack/visibility of required smoke/CO detectors, loose/exposed exterior wiring that should be corrected, verification/repair of GFCI protection in wet areas, and standard cosmetic/finish updates to cabinets and counters. With targeted fixes (install detectors, secure/re-route exterior wiring, verify HVAC/water heater, confirm GFCI receptacles) the property should be rent-ready within ~2–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior photos show generally intact finishes: hardwood floors, painted walls, crown molding and intact trim. Kitchen has built-in oven, range hood, dishwasher and a refrigerator visible; cabinets and counters show cosmetic wear and would benefit from paint/repair. Bathrooms appear functional with tiled tub surround. Minor clutter and some cosmetic deferred maintenance (worn cabinet faces, dated tile counters) are visible but no collapsed surfaces or major damage. Missing or marginal items are mostly cosmetic or capital-repair rather than immediate safety failures."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance",
            "score": 55.0,
            "rationale": "Moderate NSPIRE risk. No smoke detectors or carbon monoxide alarms are visible in the photos (required). Exterior photo shows wiring/cables run along soffit and tied off with some loose loops — this appears disorganized and could be cited as exposed/loose wiring or an electrical hazard. GFCI presence at kitchen and bathroom receptacles not verifiable from photos. Entry doors not shown with clear deadbolt hardware. Interior shows no obvious mold, major water stains or collapsed ceilings. Bedroom egress windows appear typical size but exact dimensions not verified. Because smoke/CO detectors, GFCI and some visible loose exterior wiring are uncertain/absent, there is a moderate likelihood the unit would need correction items to pass."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 65.0,
            "rationale": "Major systems appear present: ceiling vents indicate central HVAC, kitchen appliances and plumbing fixtures are present and appear functional, and the roof and chimney appear intact in exterior photos (no visible sagging or active leaks). The exterior electric meter and service are present but there is visible loose cabling at the eaves which suggests the electrical routing should be inspected. Water heater and electrical panel interior condition not shown. Given visible equipment and no signs of major failure, systems likely functional but require verification and minor corrective work (electrical routing, confirm HVAC and water heater operation)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "Exterior envelope appears generally sound: siding/brick and roof show no obvious major deterioration in photos, and the property has a fenced large backyard as advertised. Driveway and walkways visible and intact. Backyard has some debris and evidence of pet use (dog house) that would need clean-up. There are visible exterior cables/wires and some miscellaneous items against the house which should be cleared. No evidence of foundation movement, major drainage pooling, or severe exterior neglect in provided photos."
          }
        ],
        "red_flags": [
          "Visible loose/exposed electrical wiring/cabling along soffit and near meter (potential electrical hazard).",
          "No visible smoke detectors or carbon monoxide detectors in interior photos (NSPIRE requirement).",
          "Unable to verify GFCI protection in kitchen/bath — potential code citation.",
          "Evidence of animal use and yard debris in backyard that should be cleaned before inspection."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Smoke detectors and carbon monoxide alarms are not present or not visible in photos and will need verification/installation.",
          "Central HVAC is present (ceiling vents visible) and assumed operable but not tested; recommendation to verify functionality and servicing.",
          "Water heater and interior electrical panel are present and functional though not pictured; assume operable until inspected.",
          "Bedroom windows provide required egress based on visible size, but exact dimensions were not measured.",
          "Porch/entry step heights and presence of handrails were not clearly shown; assume no unsafe stairs but recommend inspection."
        ],
        "overall_score": 67.0,
        "rubric_version": "1.0"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "305 Francis St, Jackson, MS, 39206",
    "aggregate": {
      "summary": "This 3-bed, 2-bath ranch appears structurally intact and largely move-in ready with mostly cosmetic repairs and site cleanup. The primary NSPIRE risks are lack of visible smoke/CO detectors and unsecured exterior wiring; mechanical systems (HVAC, water heater) are not fully verified in photos and should be tested. With quick fixes (install/verify detectors, secure/repair exterior wiring, add GFCI outlets as needed, clean yard, minor interior touch-ups) the home is likely to pass an initial HCV inspection within 1–4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 74.0,
          "rationale": "Interior appears lived-in but generally intact: hardwood floors, painted walls, functioning built-in oven, range hood, refrigerator and dishwasher visible. Kitchen cabinets and some trim show cosmetic wear and age; photos show clutter but no obvious major damage. Bath tile surround looks serviceable. Exterior paint/siding intact from photos. Missing minor items likely (outlet covers, touch-up paint, cabinet hardware). Overall repairs appear minor and primarily cosmetic; missing/old finishes reduce score slightly."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 68.3,
          "rationale": "House sits on a corner lot with large fenced backyard — positive for tenants. Siding and chimney appear serviceable; roof shows no obvious major failure in provided photos. Yard has debris and signs of neglect (dog house, scattered items) and needs clean-up; walkways/driveway appear usable. Exterior wiring and cables near soffit and around meter are a concern for code compliance and should be secured. Fence present but condition not fully verified. Overall exterior is functional but needs minor to moderate maintenance and electrical cleanup."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Risk (NSPIRE)",
          "score": 55.3,
          "rationale": "Visible safety concerns: exterior electrical cables and wiring near soffit appear loosely run and should be secured/inspected (possible code violation). No smoke detectors or carbon monoxide alarms are visible in interior photos (NSPIRE requires proper placement); assumption that detectors are absent or not compliant reduces score. Entry door deadbolt not clearly visible in photos. GFCI presence in kitchen/bath not verifiable. No signs of active water intrusion, sagging ceilings, collapsed elements, or severe mold in photos. Bedroom egress windows not clearly shown. Overall moderate inspection risk due to uncertain/absent detectors and exterior wiring; repairs likely needed to meet HUD standards."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems & Mechanical",
          "score": 63.3,
          "rationale": "Central HVAC supply vents visible in ceilings suggesting forced-air heating/cooling exists, but outdoor condenser/heating equipment not shown for verification. Electrical meter and service panel are present externally and appear intact in photos though some wiring is untidy. No water heater or visible hot water source shown. No visible roof leaks or interior water stains; chimney appears intact. Given limited confirmatory photos, assume systems are functional but require verification/servicing; unknowns (condenser, water heater age/operation) reduce score."
        }
      ],
      "red_flags": [
        "Visible unsecured/exposed exterior electrical wiring/cables near soffit and meter (code/safety risk).",
        "No visible smoke detectors or CO alarms in interior photos (NSPIRE required).",
        "Unknown operation/verification of HVAC condenser and water heater (major systems unverified).",
        "Backyard debris and possible pet-related wear that may require remediation prior to lease."
      ],
      "confidence": 0.95,
      "assumptions": [
        "No smoke or carbon monoxide detectors are present because none are visible in interior photos; assume detectors need installation or verification.",
        "Central HVAC exists (ceiling vents visible), but outdoor condenser and system operation were not photographed; assume unit exists but requires verification/service.",
        "Water heater presence and hot water functionality are not shown; assume a water heater exists but must be tested.",
        "Bedroom egress windows and GFCI protection in kitchen/bath are not clearly shown; assume these may need verification or minor upgrades.",
        "Electrical panel and meter are intact as shown, but exterior wiring visible in photos is loose and requires remediation."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 65.7,
      "rubric_version": "nsPIRE-2024-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8212910044"
  }
}

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