Property ID: 8266942512
307 W Cayuga St, Crystal Springs, MS, 39059
Crystal Springs, MS
Money Down: $20,400
CoC Return: 27.12%
Monthly Cash Flow: $461
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
27.12%
Rent
$1,090
Monthly Cash Flow
$461
Annual Cash Flow
$5,532
Debt Service / Mo
$452
Property Tax / Mo
$27
Insurance / Mo
$40
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,090
Payment Standard
$1,400
Rent
$1,090
Insurance
$40
Property Tax
$27
Management
$109
Utilities Allowance
$310
NOI (Monthly)
$913
Debt Service
$452
Cash Flow After Debt
$461
Quality Score: 71.90%
Confidence: 95.00%
This property appears to be largely renovated and near turnkey for Section 8 placement. Interior and exterior cosmetic condition is good and major structural issues are not evident in the photos. Key inspection risks that should be addressed before an HCV inspection: install/verify smoke and CO alarms, install/verify GFCI protection for kitchen/bath outlets, secure exterior electrical/service wiring, and confirm operational HVAC and hot water systems. Most items look like straightforward, low-to-moderate cost repairs; with those corrections the unit is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.
Section 8 Payment Standard
$1,400
Utility Allowance Total
$310
Guaranteed Section 8 Rent (PS - Utilities)
$1,090
Property Management
$109
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
2
Baths
1
Living Area
767 sqft
Lot Size
8,276 sqft
Year Built
1945
Days on Market
23
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$27
Insurance / Mo
$40
Property Description
This stunning, fully renovated home at 307 W Cayuga St brings fresh style and unbeatable convenience to the heart of Crystal Springs. Sitting just off the main highway and moments from local businesses and restaurants, it delivers the perfect blend of comfort and accessibility. Inside, everything feels brandnew including the new electric range oven, refrigerator, and microwave while outside, the expansive .51acre lot gives you room to relax, garden, entertain, or expand. The backyard storage shed adds even more value, offering a practical spot for tools, equipment, or weekend projects. With its modern updates, generous land, and prime location, this moveinready gem is the kind of property buyers rush to see.
Utility Allowances
Air Conditioning
$10
Property details note 'Window Unit(s)' for cooling, which are typically tenant-provided and paid.
Cooking
$9
The property includes an 'Electric Range'. The 'Electric' option was selected from the schedule for a 2-bedroom unit.
Heating
$41
Property details specify 'Space Heater' and 'Electricity Connected'. Electric heat was chosen for the 2-bedroom unit as it's a common type for space heaters and is the more expensive option compared to natural gas.
Other Electric
$56
This is the standard, fixed allowance for general electricity use (lights, outlets) for a 2-bedroom unit.
Range/Microwave
$0
The property description states it includes a 'new electric range oven...and microwave', so the allowance for a tenant-supplied appliance is $0.
Refrigerator
$0
The property description states it includes a 'new...refrigerator', so the allowance for a tenant-supplied appliance is $0.
Sewer
$49
Property details specify connection to 'Public Sewer'. The allowance for a 2-bedroom unit is applied.
Trash Collection
$37
A standard allowance for municipal trash collection, which is assumed to be paid by the tenant.
Water
$93
Property details specify connection to 'Public' water. The allowance for a 2-bedroom unit is applied.
Water Heating
$15
Property details explicitly list a 'Gas Water Heater'. The 'natural_gas' option was selected for a 2-bedroom unit.
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$474
DP3 Annual Estimate$495
DP1 Monthly Equivalent$40
DP3 Monthly Equivalent$41
Replacement Value$24,020
Basis767 sqft / 1945
Nearby Houses
Photo unavailable
311 W Cayuga St
sold · 0.02 mi
Price: $18,000
— bd / — ba
Latest sale: — on Jan 16, 2026
Latest rent: —
Photo unavailable
105 Roosevelt St
sold · 0.08 mi
Price: $103,000
4 bd / 2 ba · 1,702 sqft
Latest sale: — on Dec 29, 2022
Latest rent: —
Photo unavailable
102 Liberty St
sold · 0.10 mi
Price: $71,000
3 bd / 1 ba · 1,750 sqft
Latest sale: — on Nov 29, 2022
Latest rent: —
Photo unavailable
302 Horne St
sold · 0.11 mi
Price: $94,000
3 bd / 2 ba · 1,140 sqft
Latest sale: — on Dec 02, 2025
Latest rent: —
Photo unavailable
314 W Marion Ave
sold · 0.15 mi
Price: $215,000
3 bd / 2 ba · 2,711 sqft
Latest sale: — on Feb 28, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarm in interior photos (required).
- Kitchen outlets near sink do not appear to be GFCI-protected (code/NSPIRE risk).
- Exterior/service wiring near soffit shows slack/exposed routing that may be flagged as an electrical hazard if not properly secured.
- No visible heating/cooling equipment or water heater in photos — lack of operational HVAC or hot water would cause inspection failure.
Assumptions
- Listing statement that new electric range, refrigerator and microwave are present and functioning is accurate.
- Water heater and a functional heating/cooling system exist on the property even though they are not pictured; if absent or nonfunctional this will reduce the score significantly.
- Smoke and carbon monoxide detectors are not present (none are visible in photos) and will need installation if missing.
- Electrical panel shown is complete and service is live; the visible exterior wiring issue is a securing/fastening problem rather than a service termination defect.
- Bedroom windows provide required egress dimensions; photos show windows but do not confirm measurements.
- No hidden major water intrusion, mold or termite damage exists beyond what is visible; photos show clean finishes and no staining indicative of active leaks.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $317 | $29,230 | $2,923 |
| 2024 | $289 | $29,230 | $2,923 |
| 2023 | $292 | $25,220 | $2,522 |
| 2022 | $597 | $25,220 | $3,784 |
| 2021 | $584 | $25,220 | $3,784 |
| 2020 | $558 | $23,660 | $3,550 |
| 2019 | $564 | $23,660 | $3,550 |
| 2018 | $558 | $23,660 | $3,550 |
| 2017 | $541 | $23,660 | $3,550 |
| 2016 | $507 | $22,010 | $3,302 |
| 2015 | $511 | $22,010 | $3,302 |
| 2014 | $510 | $22,010 | $3,302 |
| 2013 | $500 | $22,010 | $3,302 |
| 2012 | $475 | $21,320 | $3,199 |
| 2011 | $462 | $21,320 | $3,199 |
| 2010 | $484 | $22,380 | $3,358 |
| 2009 | $466 | $22,380 | $3,358 |
| 2008 | $441 | $20,530 | $3,080 |
| 2007 | $451 | $20,530 | $3,080 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2001-01-30 | Sold | — |
Photo Gallery
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"market": {
"land": 5210,
"total": 25220,
"building": 20010
},
"assessment": {
"land": null,
"total": 3784,
"building": null
}
},
{
"tax": 584,
"year": 2021,
"market": {
"land": 5210,
"total": 25220,
"building": 20010
},
"assessment": {
"land": null,
"total": 3784,
"building": null
}
},
{
"tax": 558,
"year": 2020,
"market": {
"land": 5210,
"total": 23660,
"building": 18450
},
"assessment": {
"land": null,
"total": 3550,
"building": null
}
},
{
"tax": 564,
"year": 2019,
"market": {
"land": 5210,
"total": 23660,
"building": 18450
},
"assessment": {
"land": null,
"total": 3550,
"building": null
}
},
{
"tax": 558,
"year": 2018,
"market": {
"land": 5210,
"total": 23660,
"building": 18450
},
"assessment": {
"land": null,
"total": 3550,
"building": null
}
},
{
"tax": 541,
"year": 2017,
"market": {
"land": 5210,
"total": 23660,
"building": 18450
},
"assessment": {
"land": null,
"total": 3550,
"building": null
}
},
{
"tax": 507,
"year": 2016,
"market": {
"land": 5210,
"total": 22010,
"building": 16800
},
"assessment": {
"land": null,
"total": 3302,
"building": null
}
},
{
"tax": 511,
"year": 2015,
"market": {
"land": 5210,
"total": 22010,
"building": 16800
},
"assessment": {
"land": 782,
"total": 3302,
"building": 2520
}
},
{
"tax": 510,
"year": 2014,
"market": {
"land": 5210,
"total": 22010,
"building": 16800
},
"assessment": {
"land": 782,
"total": 3302,
"building": 2520
}
},
{
"tax": 500,
"year": 2013,
"market": {
"land": 5210,
"total": 22010,
"building": 16800
},
"assessment": {
"land": 782,
"total": 3302,
"building": 2520
}
},
{
"tax": 475,
"year": 2012,
"market": {
"land": 5210,
"total": 21320,
"building": 16110
},
"assessment": {
"land": 782,
"total": 3199,
"building": 2417
}
},
{
"tax": 462,
"year": 2011,
"market": {
"land": 5210,
"total": 21320,
"building": 16110
},
"assessment": {
"land": 782,
"total": 3199,
"building": 2417
}
},
{
"tax": 484,
"year": 2010,
"market": {
"land": 5210,
"total": 22380,
"building": 17170
},
"assessment": {
"land": 782,
"total": 3358,
"building": 2576
}
},
{
"tax": 466,
"year": 2009,
"market": {
"land": 5210,
"total": 22380,
"building": 17170
},
"assessment": {
"land": 782,
"total": 3358,
"building": 2576
}
},
{
"tax": 441,
"year": 2008,
"market": {
"land": 5210,
"total": 20530,
"building": 15320
},
"assessment": {
"land": null,
"total": 3080,
"building": null
}
},
{
"tax": 451,
"year": 2007,
"market": {
"land": 5210,
"total": 20530,
"building": 15320
},
"assessment": {
"land": null,
"total": 3080,
"building": null
}
}
],
"property_history": [
{
"date": "2026-01-24",
"price": 85000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-24T03:12:31Z",
"list_price": 85000,
"listing_id": "2990621105",
"last_update_date": "2026-02-16T21:02:26Z",
"last_status_change_date": "2026-02-02T03:48:29Z"
},
"event_name": "Listed",
"price_sqft": 110.82138200782269,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4137198",
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},
{
"date": "2022-10-21",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": 0,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8266942512",
"generated_at": "2026-02-16T22:14:16.912756Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 71.9
},
"utility_allowance": {
"zip_code": "39059",
"home_photo": "https://ap.rdcpix.com/915621f2bfeff5eb8bcb19fda0e3043al-m2053074591s-w1280.jpg",
"rent_price": 1090.0,
"loan_amount": 68000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/307-W-Cayuga-St_Crystal-Springs_MS_39059_M82669-42512",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 85000.0,
"loan_term_years": 30,
"annual_cash_flow": 10960.99,
"mortgage_monthly": 452.41,
"payment_standard": 1400.0,
"total_amount_out": 17000.0,
"additional_photos": [
"https://ap.rdcpix.com/915621f2bfeff5eb8bcb19fda0e3043al-m3120475177s-w1280.jpg",
"https://ap.rdcpix.com/915621f2bfeff5eb8bcb19fda0e3043al-m1457670352s-w1280.jpg",
"https://ap.rdcpix.com/915621f2bfeff5eb8bcb19fda0e3043al-m905139434s-w1280.jpg",
"https://ap.rdcpix.com/915621f2bfeff5eb8bcb19fda0e3043al-m3582131973s-w1280.jpg",
"https://ap.rdcpix.com/915621f2bfeff5eb8bcb19fda0e3043al-m1549674757s-w1280.jpg",
"https://ap.rdcpix.com/915621f2bfeff5eb8bcb19fda0e3043al-m3705663465s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 40.38,
"monthly_cash_flow": 913.42,
"property_tax_rate": 0.0077,
"_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 details note 'Window Unit(s)' for cooling, which are typically tenant-provided and paid.",
"utility": "Air Conditioning",
"allowance": 10
},
{
"note": "The property includes an 'Electric Range'. The 'Electric' option was selected from the schedule for a 2-bedroom unit.",
"utility": "Cooking",
"allowance": 9
},
{
"note": "Property details specify 'Space Heater' and 'Electricity Connected'. Electric heat was chosen for the 2-bedroom unit as it's a common type for space heaters and is the more expensive option compared to natural gas.",
"utility": "Heating",
"allowance": 41
},
{
"note": "This is the standard, fixed allowance for general electricity use (lights, outlets) for a 2-bedroom unit.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "The property description states it includes a 'new electric range oven...and microwave', so the allowance for a tenant-supplied appliance is $0.",
"utility": "Range/Microwave",
"allowance": 0
},
{
"note": "The property description states it includes a 'new...refrigerator', so the allowance for a tenant-supplied appliance is $0.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Property details specify connection to 'Public Sewer'. The allowance for a 2-bedroom unit is applied.",
"utility": "Sewer",
"allowance": 49
},
{
"note": "A standard allowance for municipal trash collection, which is assumed to be paid by the tenant.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property details specify connection to 'Public' water. The allowance for a 2-bedroom unit is applied.",
"utility": "Water",
"allowance": 93
},
{
"note": "Property details explicitly list a 'Gas Water Heater'. The 'natural_gas' option was selected for a 2-bedroom unit.",
"utility": "Water Heating",
"allowance": 15
}
],
"cash_on_cash_return": 0.64,
"down_payment_amount": 17000.0,
"property_tax_annual": 326.51,
"property_tax_monthly": 27.21,
"property_tax_increase": 0.03,
"utility_allowance_total": 310.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.hudexchange.info/programs/housing-choice-voucher/",
"https://www.huduser.gov/portal/datasets/hcv.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 5532.12,
"property_management_monthly": 109.0,
"monthly_cash_flow_after_debt": 461.01,
"cash_on_cash_return_after_debt": 0.33
},
"section8_assessment": {
"runs": [
{
"summary": "This property appears to be largely renovated and near turnkey for Section 8 placement. Interior and exterior cosmetic condition is good and major structural issues are not evident in the photos. Key inspection risks that should be addressed before an HCV inspection: install/verify smoke and CO alarms, install/verify GFCI protection for kitchen/bath outlets, secure exterior electrical/service wiring, and confirm operational HVAC and hot water systems. Most items look like straightforward, low-to-moderate cost repairs; with those corrections the unit is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs (cosmetic / minor)",
"score": 85.0,
"rationale": "Photos and listing describe a full renovation: new flooring, fresh paint, new kitchen appliances (range, refrigerator, microwave) and a renovated bathroom (new tub, tile surround, vanity). Visible cabinet doors and trim show only minor finish issues; no collapsed ceilings, exposed subfloor, or obvious structural decay in photos. Missing or misaligned cabinet trim, minor caulking gaps at tub, and a few worn trim corners are easy, low-cost fixes. Overall condition is move-in ready aside from small touch-ups."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 65.0,
"rationale": "Visible strengths: secure-looking entry door, intact windows, no collapsed ceilings or obvious standing water. Concerns: no smoke detectors or carbon monoxide alarms are visible in interior photos (required); kitchen outlets shown appear to be standard duplex outlets rather than clearly marked GFCI units near the sink (GFCI required); exterior shows service drop/wiring routed near the eaves with some slack/droop which could be flagged as an electrical hazard if not properly secured; no visible HVAC equipment (no exterior condenser) and no hot water heater shown — absence would be an inspection-fail if missing/ nonfunctional. Bedroom egress windows appear present but sizing cannot be confirmed from photos. These are mostly correctable (install detectors, GFCI outlets, secure wiring) but represent inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 60.0,
"rationale": "Electrical: meter and interior breaker panel are visible and have cover – positive sign – but exterior wiring near the soffit appears loose and should be secured/inspected. Plumbing: bathroom fixtures and kitchen sink are installed and appear new; no visible leaks. Water heater and furnace/AC are not shown; their presence and operational status are unknown. Roof appears intact in photos with no visible sagging or active leaks. Because HVAC and water heater are not documented in photos, this is scored conservatively; if HVAC or water heater are not present or nonfunctional, that would be an immediate fail."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior siding, paint, trim and porch appear in good condition; yard is level and walkway to the mailbox exists. Foundation appears stable from photos (crawlspace vents visible); no major foundation cracks or settling observed. Roofline is straight without visible sag. Minor concerns: lack of visible gutters/drainage systems and some debris/storage items near the rear shed area could be cleaned up. Overall the exterior is well presented and not a likely NSPIRE fail."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in interior photos (required).",
"Kitchen outlets near sink do not appear to be GFCI-protected (code/NSPIRE risk).",
"Exterior/service wiring near soffit shows slack/exposed routing that may be flagged as an electrical hazard if not properly secured.",
"No visible heating/cooling equipment or water heater in photos — lack of operational HVAC or hot water would cause inspection failure."
],
"confidence": 0.67,
"assumptions": [
"Listing statement that new electric range, refrigerator and microwave are present and functioning is accurate.",
"Water heater and a functional heating/cooling system exist on the property even though they are not pictured; if absent or nonfunctional this will reduce the score significantly.",
"Smoke and carbon monoxide detectors are not present (none are visible in photos) and will need installation if missing.",
"Electrical panel shown is complete and service is live; the visible exterior wiring issue is a securing/fastening problem rather than a service termination defect.",
"Bedroom windows provide required egress dimensions; photos show windows but do not confirm measurements.",
"No hidden major water intrusion, mold or termite damage exists beyond what is visible; photos show clean finishes and no staining indicative of active leaks."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this appears to be a mostly renovated, move-in ready 2-bedroom home with good cosmetic condition and functioning plumbing fixtures. Primary inspection risks are missing/uncertain safety devices (smoke/CO alarms, GFCI), exposed service wiring at the eaves, and lack of photographic confirmation of an operational HVAC and water heater. With modest fixes (install/verify smoke & CO detectors, install GFCI protection where required, secure/inspect service wiring, verify HVAC/hot water operation and add any missing deadbolt) the home is likely to pass an initial HCV/NSPIRE inspection and be ready to rent within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition and Repairs",
"score": 82.0,
"rationale": "Interior appears recently renovated: new-looking vinyl plank flooring, fresh paint, updated bathroom tile and vanity, cabinets repainted. Kitchen counters tiled and cabinets functional though some cabinet doors/trim show minor alignment/gap issues. Listing states new electric range, refrigerator and microwave (appliances not all visible in photos) — if present this reduces time-to-rent. Overall cosmetic condition is good with only minor finish repairs and touch-ups expected."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 60.0,
"rationale": "Several NSPIRE safety items are not visible or are marginal: no smoke detectors or CO alarms visible in photos; kitchen and bathroom outlets shown are standard duplex outlets with no clearly marked GFCI devices (kitchen and bath GFCI protection required). Entry door has a functioning knob lock but no deadbolt is visible in photos. Exterior shows service drop/wires near the soffit that are loosely routed and present an electrical hazard risk. Windows appear operable but bedroom egress sizing cannot be confirmed from photos. Plumbing fixtures present and appear functional; no active leaks visible. These unknowns and the exposed wiring lower the safety score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Roof and exterior envelope look intact from photos with no visible active leaks or sagging. Electrical meter and a breaker/panel are visible on the exterior/side wall; panel cover appears intact. No heating/AC equipment or water heater are shown in any images — listing claims a full renovation but mechanicals are not documented. Plumbing fixtures (toilet, sink, tub/shower) look new/installed. Because HVAC and water heater presence/operation cannot be confirmed from photos, assign a conservative mid score; if HVAC and hot water are verified operational the score would be higher."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior siding and trim are freshly painted and in good visual condition; porch and steps look solid though they lack a handrail (not required for a small step rise but should be noted). Lot is large and usable; there is a backyard shed. Some debris and stored materials are visible at the right side of the lot which are a minor safety/infestation/fire risk and should be cleared. Drainage features (PVC drain/discharge) and rock bed along foundation indicate attention to grading, but full site drainage performance cannot be confirmed from photos."
}
],
"red_flags": [
"Electrical hazards: visible/dangling service wiring at eaves/service drop that should be secured and inspected by a licensed electrician.",
"No visible smoke detectors or carbon monoxide alarms in photographed areas (required for inspection).",
"No visible heating / HVAC equipment or water heater in photos (absence would be an immediate fail).",
"No visible GFCI-protected outlets in kitchen and bathroom photos (GFCI required).",
"Debris and stored materials at the right-side yard — potential fire, pest or safety concern that should be cleared prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that new electric range, refrigerator and microwave are present and included is accurate even though not all appliances are visible in photos.",
"Interior photos represent the full scope of living spaces (kitchen, bathroom, two bedrooms); no hidden severe damage exists beyond photo frames.",
"Electrical service drop and meter are live and the main panel is functional (panel cover visible) though internal condition and breaker labeling are not verified.",
"No active roof leaks or structural foundation movement exist beyond what is visible in photos (roof and foundation appear intact).",
"Heating, ventilation and air conditioning equipment and water heater are present and operational even though they are not photographed; if absent that would be an inspection-fail condition.",
"Bedroom window egress meets local code sizes or can be made compliant with minimal work; exact measurements not available from images."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be a recent cosmetic renovation and is largely turnkey for rental use, with new finishes, appliances per the listing, and sound exterior. Primary inspection risks are code items not shown in the photos: smoke/CO detectors, GFCI protection in kitchen/bath, and verification of heating/HVAC and water heater operation. These items are typically quick fixes but will likely need confirmation or installation before passing a Section 8 (NSPIRE) initial inspection. Expect minor repairs and documentation; with those addressed the property should pass within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 80.0,
"rationale": "Photos and listing show a full cosmetic renovation: new vinyl plank flooring, fresh paint, updated bathroom tile/tub, and cabinetry refinished. Listing states new electric range, refrigerator and microwave (reduces appliance risk). Minor finish issues visible (tile counter edges, slightly misaligned cabinet doors). Porch and steps are intact. Overall minimal visible repair work required — mostly cosmetic and small touchups."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, major water intrusion, or visible structural sag). Electrical panel is present and appears closed. However key NSPIRE safety items are not visible: smoke detectors and CO alarms are not shown, GFCI protection for kitchen/bath outlets is not clearly visible, and the front door deadbolt is not evident in photos. Exterior service drop and conduit appear attached but a loop of cable is visible at the eave (should be secured). Because missing detectors/GFCI are common immediate fail items, I deduct score for probable corrective work."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 65.0,
"rationale": "Bath and kitchen plumbing fixtures appear new and the bathroom finish looks recently replaced. Electrical panel is present on an interior wall. Roof appears in good condition in photos with even lines and no visible leaks. There is no visible central HVAC condenser or interior furnace in the photos, and no water heater is shown — these are important but may be out of view. Given the renovation stated in the listing, systems are likely functional but their presence/operation cannot be fully verified from photos, so moderate risk remains."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 80.0,
"rationale": "Exterior siding and paint look recently refreshed; porch and steps appear structurally sound. Yard is large and generally tidy; there is some debris / materials and a shed visible in the rear/right which should be cleared for tenant safety and inspection access. Walkway from street is intact. Foundation vents visible and no obvious major foundation movement or exterior wall failure in photos."
}
],
"red_flags": [
"No visible smoke/carbon monoxide detectors in interior photos — possible immediate NSPIRE fail if not installed.",
"No visible central heating/HVAC or water heater in photos — must be confirmed operational; absence is a major inspection risk.",
"Unverified GFCI protection at kitchen and bathroom outlets — likely required and a common cause of inspection failures if missing."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that a new electric range oven, refrigerator, and microwave are present is accurate; photos do not show the appliances but listing is relied upon.",
"No smoke or carbon monoxide detectors are visible in the supplied photos; assume none are installed or not photographed and will need verification/installation.",
"No central HVAC condenser or furnace is visible in photos; assume there is a functioning heating/cooling system onsite (typical for a renovated move‑in ready listing) but its presence and operation must be verified on inspection.",
"GFCI outlets are not clearly visible in kitchen/bath photos; assume protection may be via GFCI breaker or missing — must be verified and upgraded if absent.",
"Front entry has a locking mechanism but a keyed deadbolt is not visible in photos; assume basic secure lock exists but installer may need to add a deadbolt depending on local code/inspector preference.",
"Porch steps have low riser count (appears 1–2 steps) so a handrail may not be required; if more than three risers are present at inspection a handrail will be needed."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "307 W Cayuga St, Crystal Springs, MS, 39059",
"aggregate": {
"summary": "This property appears to be largely renovated and near turnkey for Section 8 placement. Interior and exterior cosmetic condition is good and major structural issues are not evident in the photos. Key inspection risks that should be addressed before an HCV inspection: install/verify smoke and CO alarms, install/verify GFCI protection for kitchen/bath outlets, secure exterior electrical/service wiring, and confirm operational HVAC and hot water systems. Most items look like straightforward, low-to-moderate cost repairs; with those corrections the unit is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs (cosmetic / minor)",
"score": 82.3,
"rationale": "Photos and listing describe a full renovation: new flooring, fresh paint, new kitchen appliances (range, refrigerator, microwave) and a renovated bathroom (new tub, tile surround, vanity). Visible cabinet doors and trim show only minor finish issues; no collapsed ceilings, exposed subfloor, or obvious structural decay in photos. Missing or misaligned cabinet trim, minor caulking gaps at tub, and a few worn trim corners are easy, low-cost fixes. Overall condition is move-in ready aside from small touch-ups."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 79.3,
"rationale": "Exterior siding, paint, trim and porch appear in good condition; yard is level and walkway to the mailbox exists. Foundation appears stable from photos (crawlspace vents visible); no major foundation cracks or settling observed. Roofline is straight without visible sag. Minor concerns: lack of visible gutters/drainage systems and some debris/storage items near the rear shed area could be cleaned up. Overall the exterior is well presented and not a likely NSPIRE fail."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 61.7,
"rationale": "Visible strengths: secure-looking entry door, intact windows, no collapsed ceilings or obvious standing water. Concerns: no smoke detectors or carbon monoxide alarms are visible in interior photos (required); kitchen outlets shown appear to be standard duplex outlets rather than clearly marked GFCI units near the sink (GFCI required); exterior shows service drop/wiring routed near the eaves with some slack/droop which could be flagged as an electrical hazard if not properly secured; no visible HVAC equipment (no exterior condenser) and no hot water heater shown — absence would be an inspection-fail if missing/ nonfunctional. Bedroom egress windows appear present but sizing cannot be confirmed from photos. These are mostly correctable (install detectors, GFCI outlets, secure wiring) but represent inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 63.3,
"rationale": "Electrical: meter and interior breaker panel are visible and have cover – positive sign – but exterior wiring near the soffit appears loose and should be secured/inspected. Plumbing: bathroom fixtures and kitchen sink are installed and appear new; no visible leaks. Water heater and furnace/AC are not shown; their presence and operational status are unknown. Roof appears intact in photos with no visible sagging or active leaks. Because HVAC and water heater are not documented in photos, this is scored conservatively; if HVAC or water heater are not present or nonfunctional, that would be an immediate fail."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in interior photos (required).",
"Kitchen outlets near sink do not appear to be GFCI-protected (code/NSPIRE risk).",
"Exterior/service wiring near soffit shows slack/exposed routing that may be flagged as an electrical hazard if not properly secured.",
"No visible heating/cooling equipment or water heater in photos — lack of operational HVAC or hot water would cause inspection failure."
],
"confidence": 0.95,
"assumptions": [
"Listing statement that new electric range, refrigerator and microwave are present and functioning is accurate.",
"Water heater and a functional heating/cooling system exist on the property even though they are not pictured; if absent or nonfunctional this will reduce the score significantly.",
"Smoke and carbon monoxide detectors are not present (none are visible in photos) and will need installation if missing.",
"Electrical panel shown is complete and service is live; the visible exterior wiring issue is a securing/fastening problem rather than a service termination defect.",
"Bedroom windows provide required egress dimensions; photos show windows but do not confirm measurements.",
"No hidden major water intrusion, mold or termite damage exists beyond what is visible; photos show clean finishes and no staining indicative of active leaks."
],
"score_method": "mean_of_criteria",
"overall_score": 71.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8266942512"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.