Property ID: 8371159426
3434 Midlawn St, Jackson, MS, 39213
Jackson, MS
Money Down: $13,416
CoC Return: 29.79%
Monthly Cash Flow: $333
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$11,180
Closing Costs
$2,236
Total Down
$13,416
Investment Snapshot
Purchase Price
$55,900
Money Down
$13,416
Cash-on-Cash Return
29.79%
Rent
$811
Monthly Cash Flow
$333
Annual Cash Flow
$3,997
Debt Service / Mo
$298
Property Tax / Mo
$68
Insurance / Mo
$31
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$811
Payment Standard
$1,190
Rent
$811
Insurance
$31
Property Tax
$68
Management
$81
Utilities Allowance
$379
NOI (Monthly)
$631
Debt Service
$298
Cash Flow After Debt
$333
Quality Score: 65.20%
Confidence: 80.00%
Overall this brick single-family appears largely cosmetically updated and structurally reasonable; likely to be rent-ready with minor repairs and life-safety fixes within 30 days. Primary risks for an initial HCV/NSPIRE inspection are lack of visible smoke/CO detectors, probable missing GFCI protection in bathrooms/kitchen, and window security bars that may obstruct egress if they are not release-capable. Major systems (HVAC, electrical panel, water heater) are not shown and should be verified operational; these are unknowns rather than visible failures. With installation/verification of smoke detectors, GFCI protection, and confirmation/remediation of window egress, property has a strong chance to pass a voucher inspection.
Section 8 Payment Standard
$1,190
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$811
Property Management
$81
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$55,900
Beds
3
Baths
2
Living Area
1,270 sqft
Lot Size
22,216 sqft
Year Built
1950
Days on Market
0
Capital Outlay
$13,416
Debt Service
$298
Property Tax / Mo
$68
Insurance / Mo
$31
Property Description
No need to rent, when you can own this home. If investing, a great investment property, as well. Home has some recent updates, i.e., interior painted, new faucets installed. Owner is ready to sell. Make an offer today!!!
Utility Allowances
Air Conditioning
$12
Assumed based on the property's location (Mississippi) and type (single-family home), where AC is standard. The schedule provides a fixed allowance.
Cooking
$11
Fuel type is not specified. Electric was selected as it is a common option and is more expensive than natural gas, following the rule to choose the higher cost when unclear.
Heating
$50
Property has heating, but the fuel type is unspecified. Electric was selected as it is a common and the most expensive plausible option on the schedule.
Other Electric
$69
Standard allowance for general electricity usage in a home of this size, covering lights and basic appliances.
Range/Microwave
$3
The property listing does not mention a provided range or microwave, so this is included as a tenant-paid utility.
Refrigerator
$4
The property listing does not mention a provided refrigerator, so this is included as a tenant-paid utility.
Sewer
$60
The property is connected to a public sewer system as stated in the listing details.
Trash Collection
$37
Standard municipal service for a single-family residence, assumed to be a tenant responsibility.
Water
$104
The property uses a public water source as stated in the listing details.
Water Heating
$29
Water heater fuel type is not specified. Electric was selected as it is a common option and the most expensive plausible choice on the schedule.
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$322
DP3 Annual Estimate$432
DP1 Monthly Equivalent$27
DP3 Monthly Equivalent$36
Replacement Value$18,280
Basis1,270 sqft / 1950
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Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or CO alarms in photos (life-safety requirement).
- Bathroom outlet shown does not appear to be GFCI — potential code failure if not GFCI protected.
- Security/metal bars on windows visible — potential egress obstruction if not quick-release.
- Major systems (electrical panel, water heater, HVAC equipment) not shown — operational status unknown and must be verified before move-in.
Assumptions
- No kitchen photos provided; assume appliances (stove/refrigerator) may be absent or not shown — missing appliances are treated as moderate capital items, not automatic safety failures.
- Presence of ceiling vents indicates central HVAC, but operational status is unverified. Assume HVAC exists but needs functional verification.
- No smoke or carbon monoxide detectors are visible in photos; assume they are missing or not visible and should be confirmed/installed.
- Bathroom outlet shown is likely not a GFCI device; assume GFCI protection may be absent or located at the panel and requires verification.
- Security/ornamental metal bars on front windows may be fixed or may have quick-release; assume potential egress hazard until proven releasable.
- No visible evidence of roof leaks, foundation movement, or severe mold in photos — assume none present but require inspection to confirm.
- Rental history in last 5 years is missing per snapshot, so no rental-activity bonus applied.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $791 | $27,280 | $4,092 |
| 2023 | $787 | $27,280 | $4,092 |
| 2021 | $787 | $27,280 | $4,092 |
| 2020 | $767 | $26,750 | $4,013 |
| 2019 | $768 | $26,750 | $4,013 |
| 2018 | $759 | $26,750 | $4,013 |
| 2017 | $760 | $26,750 | $4,013 |
| 2016 | $740 | $26,750 | $4,013 |
| 2015 | $711 | $26,500 | $3,975 |
| 2014 | $710 | $26,500 | $3,975 |
| 2013 | $691 | $26,500 | $3,975 |
| 2012 | $691 | $26,500 | $3,975 |
| 2011 | $640 | $24,910 | $3,737 |
| 2010 | $636 | $24,910 | $3,737 |
| 2009 | $636 | $24,910 | $3,737 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-16 | Listed | $55,900 |
| 2021-02-28 | Listing removed | $0 |
| 2021-02-16 | Relisted | $45,900 |
| 2021-02-13 | Listing removed | $45,900 |
| 2021-02-09 | Relisted | $45,900 |
| 2021-02-05 | Listing removed | $45,900 |
| 2021-02-02 | Listed | $45,900 |
Photo Gallery
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"year": 2018,
"market": {
"land": 9000,
"total": 26750,
"building": 17750
},
"assessment": {
"land": 1350,
"total": 4013,
"building": 2663
}
},
{
"tax": 760,
"year": 2017,
"market": {
"land": 9000,
"total": 26750,
"building": 17750
},
"assessment": {
"land": 1350,
"total": 4013,
"building": 2663
}
},
{
"tax": 740,
"year": 2016,
"market": {
"land": 9000,
"total": 26750,
"building": 17750
},
"assessment": {
"land": 1350,
"total": 4013,
"building": 2663
}
},
{
"tax": 711,
"year": 2015,
"market": {
"land": 9000,
"total": 26500,
"building": 17500
},
"assessment": {
"land": 1350,
"total": 3975,
"building": 2625
}
},
{
"tax": 710,
"year": 2014,
"market": {
"land": 9000,
"total": 26500,
"building": 17500
},
"assessment": {
"land": 1350,
"total": 3975,
"building": 2625
}
},
{
"tax": 691,
"year": 2013,
"market": {
"land": 9000,
"total": 26500,
"building": 17500
},
"assessment": {
"land": 1350,
"total": 3975,
"building": 2625
}
},
{
"tax": 691,
"year": 2012,
"market": {
"land": 9000,
"total": 26500,
"building": 17500
},
"assessment": {
"land": 1350,
"total": 3975,
"building": 2625
}
},
{
"tax": 640,
"year": 2011,
"market": {
"land": 9000,
"total": 24910,
"building": 15910
},
"assessment": {
"land": 1350,
"total": 3737,
"building": 2387
}
},
{
"tax": 636,
"year": 2010,
"market": {
"land": 9000,
"total": 24910,
"building": 15910
},
"assessment": {
"land": 1350,
"total": 3737,
"building": 2387
}
},
{
"tax": 636,
"year": 2009,
"market": {
"land": 9000,
"total": 24910,
"building": 15910
},
"assessment": {
"land": 1350,
"total": 3737,
"building": 2387
}
}
],
"property_history": [
{
"date": "2026-02-16",
"price": 55900,
"listing": {
"status": "for_sale",
"list_date": "2026-02-16T19:54:37Z",
"list_price": 55900,
"listing_id": "2991614022",
"last_update_date": "2026-02-16T20:01:13Z",
"last_status_change_date": "2026-02-16T19:54:37Z"
},
"event_name": "Listed",
"price_sqft": 44.01574803149607,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4139384",
"price_change_percentage": null
},
{
"date": "2021-02-28",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2021-02-02T22:17:29Z",
"list_price": 45900,
"listing_id": "2925664939",
"last_update_date": "2021-02-05T21:23:33Z",
"last_status_change_date": "2021-02-28T08:06:37Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "337752",
"price_change_percentage": null
},
{
"date": "2021-02-16",
"price": 45900,
"listing": {
"status": "off_market",
"list_date": "2021-02-02T22:17:29Z",
"list_price": 45900,
"listing_id": "2925664939",
"last_update_date": "2021-02-05T21:23:33Z",
"last_status_change_date": "2021-02-28T08:06:37Z"
},
"event_name": "Relisted",
"price_sqft": 36.14173228346457,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "337752",
"price_change_percentage": null
},
{
"date": "2021-02-13",
"price": 45900,
"listing": {
"status": "off_market",
"list_date": "2021-02-02T22:17:29Z",
"list_price": 45900,
"listing_id": "2925664939",
"last_update_date": "2021-02-05T21:23:33Z",
"last_status_change_date": "2021-02-28T08:06:37Z"
},
"event_name": "Listing removed",
"price_sqft": 36.14173228346457,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "337752",
"price_change_percentage": null
},
{
"date": "2021-02-09",
"price": 45900,
"listing": {
"status": "off_market",
"list_date": "2021-02-02T22:17:29Z",
"list_price": 45900,
"listing_id": "2925664939",
"last_update_date": "2021-02-05T21:23:33Z",
"last_status_change_date": "2021-02-28T08:06:37Z"
},
"event_name": "Relisted",
"price_sqft": 36.14173228346457,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "337752",
"price_change_percentage": null
},
{
"date": "2021-02-05",
"price": 45900,
"listing": {
"status": "off_market",
"list_date": "2021-02-02T22:17:29Z",
"list_price": 45900,
"listing_id": "2925664939",
"last_update_date": "2021-02-05T21:23:33Z",
"last_status_change_date": "2021-02-28T08:06:37Z"
},
"event_name": "Listing removed",
"price_sqft": 36.14173228346457,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "3 days",
"source_listing_id": "337752",
"price_change_percentage": null
},
{
"date": "2021-02-02",
"price": 45900,
"listing": {
"status": "off_market",
"list_date": "2021-02-02T22:17:29Z",
"list_price": 45900,
"listing_id": "2925664939",
"last_update_date": "2021-02-05T21:23:33Z",
"last_status_change_date": "2021-02-28T08:06:37Z"
},
"event_name": "Listed",
"price_sqft": 36.14173228346457,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "337752",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8371159426",
"generated_at": "2026-02-16T23:25:09.464165Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.2
},
"utility_allowance": {
"zip_code": "39213",
"home_photo": "https://ap.rdcpix.com/ca5514469e6907c6e1bef024df6b35acl-m287934977s-w1280.jpg",
"rent_price": 811.0,
"loan_amount": 44720.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3434-Midlawn-Ave_Jackson_MS_39213_M83711-59426",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 55900.0,
"loan_term_years": 30,
"annual_cash_flow": 7567.07,
"mortgage_monthly": 297.52,
"payment_standard": 1190.0,
"total_amount_out": 11180.0,
"additional_photos": [
"https://ap.rdcpix.com/ca5514469e6907c6e1bef024df6b35acl-m861926384s-w1280.jpg",
"https://ap.rdcpix.com/ca5514469e6907c6e1bef024df6b35acl-m235713171s-w1280.jpg",
"https://ap.rdcpix.com/ca5514469e6907c6e1bef024df6b35acl-m1990780018s-w1280.jpg",
"https://ap.rdcpix.com/ca5514469e6907c6e1bef024df6b35acl-m1777794796s-w1280.jpg",
"https://ap.rdcpix.com/ca5514469e6907c6e1bef024df6b35acl-m42973089s-w1280.jpg",
"https://ap.rdcpix.com/ca5514469e6907c6e1bef024df6b35acl-m3257176111s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 31.42,
"monthly_cash_flow": 630.59,
"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": "Assumed based on the property's location (Mississippi) and type (single-family home), where AC is standard. The schedule provides a fixed allowance.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Fuel type is not specified. Electric was selected as it is a common option and is more expensive than natural gas, following the rule to choose the higher cost when unclear.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Property has heating, but the fuel type is unspecified. Electric was selected as it is a common and the most expensive plausible option on the schedule.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Standard allowance for general electricity usage in a home of this size, covering lights and basic appliances.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "The property listing does not mention a provided range or microwave, so this is included as a tenant-paid utility.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property listing does not mention a provided refrigerator, so this is included as a tenant-paid utility.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property is connected to a public sewer system as stated in the listing details.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard municipal service for a single-family residence, assumed to be a tenant responsibility.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property uses a public water source as stated in the listing details.",
"utility": "Water",
"allowance": 104
},
{
"note": "Water heater fuel type is not specified. Electric was selected as it is a common option and the most expensive plausible choice on the schedule.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.68,
"down_payment_amount": 11180.0,
"property_tax_annual": 814.73,
"property_tax_monthly": 67.89,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3996.79,
"property_management_monthly": 81.1,
"monthly_cash_flow_after_debt": 333.07,
"cash_on_cash_return_after_debt": 0.36
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this brick single-family appears largely cosmetically updated and structurally reasonable; likely to be rent-ready with minor repairs and life-safety fixes within 30 days. Primary risks for an initial HCV/NSPIRE inspection are lack of visible smoke/CO detectors, probable missing GFCI protection in bathrooms/kitchen, and window security bars that may obstruct egress if they are not release-capable. Major systems (HVAC, electrical panel, water heater) are not shown and should be verified operational; these are unknowns rather than visible failures. With installation/verification of smoke detectors, GFCI protection, and confirmation/remediation of window egress, property has a strong chance to pass a voucher inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Photos show recently painted interior, new-looking vinyl plank flooring, functioning bathrooms and updated faucets per listing. No visible major cosmetic damage, ceiling, or floor failures. Some bathroom tiles and fixtures are dated but serviceable. No kitchen photos provided — possible missing appliances which would moderately reduce readiness but are repair/capital items rather than safety failures. Overall appears cosmetically updated and habitable with minor touch-ups."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in any photos (required by NSPIRE). Bathroom outlet pictured does not appear to be a GFCI-type device (GFCI required in bathrooms/kitchens) — may be GFCI protected at panel but not verifiable. Front windows have fixed decorative/security bars visible that could block emergency egress unless they have a quick-release — this is an inspector concern. Entry has a metal security door (appears to have a lock) which likely provides secure egress. No exposed wiring or obvious active leaks visible. Given missing/uncertain life-safety devices and potential non-releasable window bars, moderate safety risk exists that could cause initial inspection failure until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Roof appears intact from front photo with no visible sagging or missing shingles. Interior shows ceiling vents (suggesting central HVAC) but no visible HVAC equipment or confirmation of operational heating/cooling. Plumbing fixtures in bathrooms appear functional and faucets were recently replaced per listing. Water heater, electrical panel, and kitchen systems are not shown. Absence of visible system equipment reduces confidence — likely functioning but requires verification; moderate score assigned."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior looks solid with no visible foundation cracks or major deterioration. Front steps and walkway show wear but are serviceable; small handrail present on one side but may not meet modern handrail length expectations. Landscaping is unkempt (leaves/shrubs) but not hazardous. Security/window bars present — improves security but may impair egress if not releasable. No visible standing water, pest infestation, or collapsed structures."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos (life-safety requirement).",
"Bathroom outlet shown does not appear to be GFCI — potential code failure if not GFCI protected.",
"Security/metal bars on windows visible — potential egress obstruction if not quick-release.",
"Major systems (electrical panel, water heater, HVAC equipment) not shown — operational status unknown and must be verified before move-in."
],
"confidence": 0.65,
"assumptions": [
"No kitchen photos provided; assume appliances (stove/refrigerator) may be absent or not shown — missing appliances are treated as moderate capital items, not automatic safety failures.",
"Presence of ceiling vents indicates central HVAC, but operational status is unverified. Assume HVAC exists but needs functional verification.",
"No smoke or carbon monoxide detectors are visible in photos; assume they are missing or not visible and should be confirmed/installed.",
"Bathroom outlet shown is likely not a GFCI device; assume GFCI protection may be absent or located at the panel and requires verification.",
"Security/ornamental metal bars on front windows may be fixed or may have quick-release; assume potential egress hazard until proven releasable.",
"No visible evidence of roof leaks, foundation movement, or severe mold in photos — assume none present but require inspection to confirm.",
"Rental history in last 5 years is missing per snapshot, so no rental-activity bonus applied."
],
"overall_score": 65.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "This brick ranch presents as largely cosmetically updated inside (fresh paint, new flooring) and is plausibly rent‑ready after addressing a handful of inspection items. Key safety deficiencies visible in photos — missing/unclear smoke and CO detectors, probable lack of bathroom/kitchen GFCI, and security/egress bars on windows — create a meaningful risk of failing an initial NSPIRE/HCV inspection. Mechanical systems (HVAC, water heater, electrical panel) are not documented and should be verified; likely minor to moderate repairs and verification are needed to reach passable condition. Estimated time-to-pass: 30–60 days if detectors, egress fixes, GFCI work, and any appliance installations are completed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 72.0,
"rationale": "Interior appears recently painted and floors look replaced (vinyl plank) which reduces cosmetic repair needs. Bathrooms are serviceable though one tub surround is older and shows dated tile; fixtures and vanities are present. No obvious major interior damage or collapsed surfaces in photos. Missing kitchen photos and no visible kitchen appliances — absence of a stove/refrigerator will require installation for a tenant but is a moderate issue, not structural. Minor exterior cosmetic work (shrubs, porch paint) is needed."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE-related)",
"score": 40.0,
"rationale": "Several NSPIRE safety items are uncertain or appear noncompliant from photos: no smoke detectors are visible in any room photo; no carbon monoxide detector is visible (if required). Window security bars are visible on front windows and may block emergency egress unless they have quick-release mechanisms — this is a likely inspection-fail risk. Bathroom outlets appear to be standard receptacles (no visible GFCI devices) which is a code risk in bathrooms/kitchens. Entry has a metal security door/iron door which appears secure (positive). No exposed wiring, no visible active leaks, and visible plumbing fixtures appear functional. Overall these safety gaps (egress & detectors & GFCI uncertainty) materially increase the risk of failing a first NSPIRE inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/electrical/plumbing)",
"score": 60.0,
"rationale": "A ceiling vent appears in at least one room suggesting central HVAC ducting exists; no furnace/AC unit or water heater is shown so operational status is not confirmed. Roof shingles appear aged but show no visible sagging or active leaks in supplied exterior photo. Plumbing fixtures in bathrooms appear intact and functional. Electrical panel and water heater were not shown; outlet and switch covers appear present and wiring is not exposed. Because key system components are not photographed, a conservative mid-range score reflects likely serviceable but unverified systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Brick exterior looks intact with no visible major foundation cracking. Front steps and small porch are serviceable but the porch handrail appears short and possibly unstable (one-side only) which is a trip/handrail deficiency. Walkway and yard show deferred maintenance (overgrown shrubs, leaf litter). Security/grille on windows may affect appearance and egress. No visible standing water, major roof collapse, or severe exterior rot in photos."
}
],
"red_flags": [
"Window egress potentially impeded by security bars (may cause immediate NSPIRE fail unless quick-release provided)",
"No visible smoke detectors (inspection fail if absent or not properly located)",
"Bathroom/kitchen GFCI protection not evident (code deficiency)",
"Porch/entry handrail appears broken/incomplete (safety hazard)"
],
"confidence": 0.7,
"assumptions": [
"No kitchen photos were provided; assume stove and refrigerator are not present or not shown — installation may be required.",
"HVAC exists (ceiling vent visible) but operational status not verified; assume it is present but may need service.",
"No smoke or CO detectors were visible in photos; assume none are installed or not placed correctly for inspection.",
"Window security bars observed on front windows may be present on other windows (bedrooms); assume they do not have quick-release mechanisms unless provided.",
"Electrical panel and water heater were not photographed; assume they exist in the property but were not shown and require verification of condition.",
"No signs of active roof leaks or major foundation movement were visible in provided photos; assume none present but full inspection needed to confirm.",
"Porch handrail appears incomplete/short; assume it may not meet code and will require repair/replacement."
],
"overall_score": 60.0,
"rubric_version": "nsPIRE-2026-v1"
},
{
"summary": "This 3-bed, 2-bath 1950 brick home presents as largely cosmetically updated and is likely to pass a Section 8/HCV initial inspection after a small package of targeted fixes. Major structural or system failures are not visible in photos. Expected required corrections before an HCV pass: install/verify functioning smoke detectors (and CO alarms if required by local PHA), repair/replace the damaged front step handrail, verify and (if necessary) repair HVAC, water heater and electrical panel functionality, confirm GFCI protection in bathrooms/kitchen, and provide or confirm presence of kitchen appliances if the local PHA requires them. Time-to-rent readiness is likely within 2–4 weeks if mechanical systems are operational and detectors/handrail/appliances are installed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted and floors look replaced/re-finished; cabinets, sinks and faucets appear in good cosmetic condition per photos. Bathrooms are serviceable though tile/trim in tubs is dated; one bathroom shows minor staining in sink area. No major drywall, ceiling or flooring collapse visible. Missing kitchen appliances are not shown in listing photos (no stove or refrigerator visible) — this reduces readiness moderately but is an easy fix. Overall only minor cosmetic and appliance-install items likely needed."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "No exposed wiring or visible active water intrusion in photos; door and windows appear intact. However no smoke detectors or CO alarms are visible in photos (NSPIRE requires functioning smoke detectors) and bathroom outlet GFCI status cannot be confirmed. Window security bars are present on front windows which may impede egress depending on release type; bedroom egress windows appear present but measurements not confirmed. Front step guard/handrail appears damaged or incomplete (visible short/loose post) which is a safety hazard. These are fixable but represent moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems (HVAC, Plumbing, Electrical)",
"score": 70.0,
"rationale": "Ceiling supply vent visible indicating central HVAC or at least forced-air ducting; ceiling fans installed. Plumbing fixtures in bathrooms appear functional and faucets reportedly new per listing. No water heater, furnace, or electrical panel is shown, so working condition must be verified; absence of visible issues (no stains, no collapsed ceilings) suggests no active leaks shown. Electrical outlet and light fixtures appear intact but GFCI and panel condition unknown. Overall mechanical risk moderate but not alarming from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick exterior and roof shingles appear serviceable with no visible sagging or major missing shingles in provided front photo. Yard is unmaintained (leaves) and front concrete walk shows wear and cracking. Front porch step handrail appears damaged/insufficient (safety concern). Window security bars are present. No standing water, collapsed porches, or visible foundation displacement observed from provided exterior image."
}
],
"red_flags": [
"Damaged/insufficient front step handrail (visible) — broken handrails",
"No smoke detectors or CO alarms visible in photos (will likely fail NSPIRE without functioning detectors)",
"Kitchen appliances (stove/refrigerator) not shown — may reduce rental readiness and could be required by local PHA"
],
"confidence": 0.6,
"assumptions": [
"Listing photos do not show a stove or refrigerator; assume appliances are not provided unless otherwise specified.",
"Central HVAC is assumed present and functional based on visible ceiling supply vent; actual operation not verified.",
"Water heater and electrical panel location/function are not shown and must be inspected; assumed functional unless inspection reveals otherwise.",
"No smoke detectors or CO alarms are visible in the photos; assume none are installed or not visible and that installing/confirming them will be required.",
"Bedrooms have egress windows based on window photos, but exact dimensions and ease of operation (and security bars quick-release status) are not verified.",
"No evidence of major roof leaks, foundation movement or severe mold was visible in supplied photos; assume none present unless inspection reveals hidden issues.",
"Listing statement of 'new faucets' and 'interior painted' is accurate and reflects the condition seen in photos."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3434 Midlawn St, Jackson, MS, 39213",
"aggregate": {
"summary": "Overall this brick single-family appears largely cosmetically updated and structurally reasonable; likely to be rent-ready with minor repairs and life-safety fixes within 30 days. Primary risks for an initial HCV/NSPIRE inspection are lack of visible smoke/CO detectors, probable missing GFCI protection in bathrooms/kitchen, and window security bars that may obstruct egress if they are not release-capable. Major systems (HVAC, electrical panel, water heater) are not shown and should be verified operational; these are unknowns rather than visible failures. With installation/verification of smoke detectors, GFCI protection, and confirmation/remediation of window egress, property has a strong chance to pass a voucher inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Photos show recently painted interior, new-looking vinyl plank flooring, functioning bathrooms and updated faucets per listing. No visible major cosmetic damage, ceiling, or floor failures. Some bathroom tiles and fixtures are dated but serviceable. No kitchen photos provided — possible missing appliances which would moderately reduce readiness but are repair/capital items rather than safety failures. Overall appears cosmetically updated and habitable with minor touch-ups."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.3,
"rationale": "Brick exterior looks solid with no visible foundation cracks or major deterioration. Front steps and walkway show wear but are serviceable; small handrail present on one side but may not meet modern handrail length expectations. Landscaping is unkempt (leaves/shrubs) but not hazardous. Security/window bars present — improves security but may impair egress if not releasable. No visible standing water, pest infestation, or collapsed structures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 53.3,
"rationale": "No smoke detectors or CO alarms are visible in any photos (required by NSPIRE). Bathroom outlet pictured does not appear to be a GFCI-type device (GFCI required in bathrooms/kitchens) — may be GFCI protected at panel but not verifiable. Front windows have fixed decorative/security bars visible that could block emergency egress unless they have a quick-release — this is an inspector concern. Entry has a metal security door (appears to have a lock) which likely provides secure egress. No exposed wiring or obvious active leaks visible. Given missing/uncertain life-safety devices and potential non-releasable window bars, moderate safety risk exists that could cause initial inspection failure until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 63.3,
"rationale": "Roof appears intact from front photo with no visible sagging or missing shingles. Interior shows ceiling vents (suggesting central HVAC) but no visible HVAC equipment or confirmation of operational heating/cooling. Plumbing fixtures in bathrooms appear functional and faucets were recently replaced per listing. Water heater, electrical panel, and kitchen systems are not shown. Absence of visible system equipment reduces confidence — likely functioning but requires verification; moderate score assigned."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos (life-safety requirement).",
"Bathroom outlet shown does not appear to be GFCI — potential code failure if not GFCI protected.",
"Security/metal bars on windows visible — potential egress obstruction if not quick-release.",
"Major systems (electrical panel, water heater, HVAC equipment) not shown — operational status unknown and must be verified before move-in."
],
"confidence": 0.8,
"assumptions": [
"No kitchen photos provided; assume appliances (stove/refrigerator) may be absent or not shown — missing appliances are treated as moderate capital items, not automatic safety failures.",
"Presence of ceiling vents indicates central HVAC, but operational status is unverified. Assume HVAC exists but needs functional verification.",
"No smoke or carbon monoxide detectors are visible in photos; assume they are missing or not visible and should be confirmed/installed.",
"Bathroom outlet shown is likely not a GFCI device; assume GFCI protection may be absent or located at the panel and requires verification.",
"Security/ornamental metal bars on front windows may be fixed or may have quick-release; assume potential egress hazard until proven releasable.",
"No visible evidence of roof leaks, foundation movement, or severe mold in photos — assume none present but require inspection to confirm.",
"Rental history in last 5 years is missing per snapshot, so no rental-activity bonus applied."
],
"score_method": "mean_of_criteria",
"overall_score": 65.2,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8371159426"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.