Property ID: 8380547478
3317 Longwood Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $29,760
CoC Return: 12.61%
Monthly Cash Flow: $313
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,800
Closing Costs
$4,960
Total Down
$29,760
Investment Snapshot
Purchase Price
$124,000
Money Down
$29,760
Cash-on-Cash Return
12.61%
Rent
$1,248
Monthly Cash Flow
$313
Annual Cash Flow
$3,754
Debt Service / Mo
$660
Property Tax / Mo
$98
Insurance / Mo
$52
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,248
Payment Standard
$1,620
Rent
$1,248
Insurance
$52
Property Tax
$98
Management
$125
Utilities Allowance
$372
NOI (Monthly)
$973
Debt Service
$660
Cash Flow After Debt
$313
Quality Score: 63.10%
Confidence: 95.00%
This 3BR/2BA single family home appears structurally intact with a relatively new roof and reported new AC, but interior shows dated finishes, heavy clutter, stained carpet, and ceiling/wall patching. The most significant inspection risks are missing/uncertain life-safety devices (smoke/CO detectors), unconfirmed GFCI protection, and interior wear/cleanliness that will require cleaning and minor repairs. No active major structural or water-damaged areas are evident in the photos. Estimated Section 8 (HCV/NSPIRE) pass likelihood: moderate — requires installation/verification of smoke/CO detectors, removal of clutter, confirmation of egress/windows, minor electrical/fixture repairs and standard cleaning to reach passable condition within ~2–4 weeks.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$372
Guaranteed Section 8 Rent (PS - Utilities)
$1,248
Property Management
$125
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$124,000
Beds
3
Baths
2
Living Area
1,964 sqft
Lot Size
15,682 sqft
Year Built
1960
Days on Market
96
Capital Outlay
$29,760
Debt Service
$660
Property Tax / Mo
$98
Insurance / Mo
$52
Property Description
Come check out this 3 bedroom 2 bath well kept home. This home has new Ac unit. The roof is 3 years old. Big back yard . Call your realtor today.
Utility Allowances
Air Conditioning
$12
Selected based on the property having Central Air cooling and being a 3-bedroom unit.
Cooking
$11
Selected 'Electric' as the cooking fuel type, which is the most common option when gas is not specified. The value is for a 3-bedroom unit.
Heating
$50
Selected 'Electric' for heating, as 'Natural Gas' is not listed as an available utility for the property. Chose standard 'Electric' over 'Electric Heat Pump' as the more expensive and conservative option. The value is for a 3-bedroom unit.
Other Electric
$69
Standard allowance for general electrical use (lights, outlets) for a 3-bedroom unit.
Sewer
$60
Selected based on the property having 'Public Sewer' and being a 3-bedroom unit.
Trash Collection
$37
Standard allowance for trash service, which is assumed to be a tenant expense for a single-family home.
Water
$104
Selected based on the property having 'Public' water source and being a 3-bedroom unit.
Water Heating
$29
Selected 'Electric' as the fuel type, consistent with the heating/cooking fuel assumption. The value is for a 3-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$585
DP3 Annual Estimate$668
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$56
Replacement Value$44,040
Basis1,964 sqft / 1960
Nearby Houses
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3322 Cherrywood Dr
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3314 Cherrywood Dr
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3 bd / 2 ba · 1,352 sqft
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3302 Cherrywood Dr
sold · 0.04 mi
Price: $80,000
3 bd / 2 ba · 1,416 sqft
Latest sale: — on Jul 15, 2025
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3306 Longwood Dr
for_sale · 0.05 mi
Price: $130,000
5 bd / 3 ba · 2,389 sqft
Latest sale: — on Nov 14, 2023
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3246 Longwood Dr
sold · 0.07 mi
Price: $150,000
3 bd / 2 ba · 1,835 sqft
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3323 Cherrywood Dr
sold · 0.07 mi
Price: $95,500
3 bd / 2 ba · 1,296 sqft
Latest sale: — on Jun 23, 2022
Latest rent: —
Photo unavailable
3331 Cherrywood Dr
sold · 0.08 mi
Price: $57,000
3 bd / 2 ba · 1,912 sqft
Latest sale: — on Feb 13, 2026
Latest rent: —
Photo unavailable
3240 Longwood Dr
sold · 0.08 mi
Price: $160,000
3 bd / 2 ba · 1,690 sqft
Latest sale: — on May 17, 2024
Latest rent: —
Photo unavailable
3342 Longwood Dr
sold · 0.08 mi
Price: $152,500
4 bd / 3 ba · 1,740 sqft
Latest sale: — on Aug 14, 2023
Latest rent: —
Photo unavailable
1127 Wooddell Dr
sold · 0.09 mi
Price: $52,000
3 bd / 2 ba · 1,505 sqft
Latest sale: — on Oct 24, 2023
Latest rent: $1,000 on Nov 09, 2023
Photo unavailable
1145 Wooddell Dr
sold · 0.10 mi
Price: $85,000
3 bd / 2 ba · 1,402 sqft
Latest sale: — on Feb 11, 2025
Latest rent: —
Photo unavailable
1121 Wooddell Dr
sold · 0.10 mi
Price: $79,900
3 bd / 2 ba · 1,434 sqft
Latest sale: — on Aug 12, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide detectors in interior photos (required by NSPIRE).
- Ceiling patching and missing ceiling/vent cover(s) — possible past water intrusion; requires verification for active leaks and repair.
- Significant interior clutter and trash that create trip hazards, hide defects, and may conceal pest activity.
- Missing/uncertain GFCI protection in kitchen is not verifiable from photos and is a common NSPIRE failure point if absent.
Assumptions
- Listing statement that the AC is new is accurate and the HVAC is operational.
- Roof is approximately 3 years old as stated and has no active leaks at time of photos; ceiling patches are from past, not active, leaks.
- Water heater, main plumbing and electrical panel are present and functional though not visible in photos.
- Bedrooms have code-compliant egress windows (not shown) unless uncovered during inspection.
- Appliances: a built-in oven is visible; presence of refrigerator and cooktop/range is not confirmed and will need to be verified prior to lease but absence alone is not treated as fatal.
- Interior clutter/boxes visible are removable; no heavy concealed infestation or hazardous materials assumed unless discovered at a physical inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-13 | Price Changed | $124,000 |
| 2025-12-01 | Relisted | $125,000 |
| 2025-11-14 | Listing removed | $0 |
| 2025-11-13 | Listed | $125,000 |
Photo Gallery
Show raw JSON (debug)
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"show_realtor_logo": null
}
],
"last_price_change_amount": null
}
},
"location": {
"county": {
"name": "Hinds",
"fips_code": "28049"
},
"address": {
"city": "Jackson",
"line": "1121 Wooddell Dr",
"state": "Mississippi",
"coordinate": {
"lat": 32.255645,
"lon": -90.249328
},
"state_code": "MS",
"postal_code": "39212"
}
},
"permalink": "1121-Wooddell-Dr_Jackson_MS_39212_M74310-18080",
"distance_m": 157.11151201827676,
"list_price": 79900,
"listing_id": "2944696469",
"description": {
"beds": 3,
"name": null,
"sqft": 1434,
"type": "single_family",
"baths": 2,
"garage": null,
"stories": 1,
"lot_sqft": 2178,
"sub_type": null,
"baths_1qtr": null,
"baths_3qtr": null,
"baths_full": 2,
"baths_half": null,
"sold_price": null,
"year_built": 1960
},
"open_houses": null,
"property_id": "7431018080",
"primary_photo": {
"href": "https://ap.rdcpix.com/2542c192bb08e6654c6e1eeffaf1e885l-b1277403739s.jpg"
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"_ignore_in_prompt": true,
"price_reduced_amount": null
}
]
}
},
"urgency_data": {
"home": {
"popularity": {
"periods": [
{
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"saves_total": 1,
"views_total": 38,
"ldp_views_total": null
},
{
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"saves_total": 1,
"views_total": 459,
"ldp_views_total": 12
},
{
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"saves_total": 1,
"views_total": 854,
"ldp_views_total": null
},
{
"last_n_days": 21,
"saves_total": 2,
"views_total": 1093,
"ldp_views_total": null
},
{
"last_n_days": 28,
"saves_total": 2,
"views_total": 1428,
"ldp_views_total": null
},
{
"last_n_days": 30,
"saves_total": null,
"views_total": null,
"ldp_views_total": 39
}
]
}
}
},
"primary_photo": {
"href": "https://ap.rdcpix.com/8ed5bf705dbe12ce9b8e3906bf4ea854l-m2753378544s.jpg"
},
"virtual_tours": null,
"lead_attributes": {
"lead_type": "co_broke",
"market_type": "unity",
"show_contact_an_agent": true,
"is_veterans_united_eligible": true
},
"search_promotions": null,
"price_reduced_amount": 1000,
"property_tax_history": {
"home": {
"status": "for_sale",
"tax_history": null,
"property_history": [
{
"date": "2026-01-13",
"price": 124000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-13T00:57:31Z",
"list_price": 124000,
"listing_id": "2988488923",
"last_update_date": "2026-02-16T21:49:40Z",
"last_status_change_date": "2025-12-01T16:18:33Z"
},
"event_name": "Price Changed",
"price_sqft": 63.13645621181263,
"source_name": "MLSUnited",
"price_change": -1000,
"days_after_listed": null,
"source_listing_id": "4131407",
"price_change_percentage": null
},
{
"date": "2025-12-01",
"price": 125000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-13T00:57:31Z",
"list_price": 124000,
"listing_id": "2988488923",
"last_update_date": "2026-02-16T21:49:40Z",
"last_status_change_date": "2025-12-01T16:18:33Z"
},
"event_name": "Relisted",
"price_sqft": 63.645621181262726,
"source_name": "MLSUnited",
"price_change": 125000,
"days_after_listed": null,
"source_listing_id": "4131407",
"price_change_percentage": null
},
{
"date": "2025-11-14",
"price": 0,
"listing": {
"status": "for_sale",
"list_date": "2025-11-13T00:57:31Z",
"list_price": 124000,
"listing_id": "2988488923",
"last_update_date": "2026-02-16T21:49:40Z",
"last_status_change_date": "2025-12-01T16:18:33Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "1 day",
"source_listing_id": "4131407",
"price_change_percentage": null
},
{
"date": "2025-11-13",
"price": 125000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-13T00:57:31Z",
"list_price": 124000,
"listing_id": "2988488923",
"last_update_date": "2026-02-16T21:49:40Z",
"last_status_change_date": "2025-12-01T16:18:33Z"
},
"event_name": "Listed",
"price_sqft": 63.645621181262726,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4131407",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8380547478",
"generated_at": "2026-02-16T23:20:35.403005Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 63.1
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/8ed5bf705dbe12ce9b8e3906bf4ea854l-m2753378544s-w1280.jpg",
"rent_price": 1248.0,
"loan_amount": 99200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3317-Longwood-Dr_Jackson_MS_39212_M83805-47478",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 124000.0,
"loan_term_years": 30,
"annual_cash_flow": 11673.9,
"mortgage_monthly": 659.98,
"payment_standard": 1620.0,
"total_amount_out": 24800.0,
"additional_photos": [
"https://ap.rdcpix.com/8ed5bf705dbe12ce9b8e3906bf4ea854l-m4126147710s-w1280.jpg",
"https://ap.rdcpix.com/8ed5bf705dbe12ce9b8e3906bf4ea854l-m3267289543s-w1280.jpg",
"https://ap.rdcpix.com/8ed5bf705dbe12ce9b8e3906bf4ea854l-m2175803867s-w1280.jpg",
"https://ap.rdcpix.com/8ed5bf705dbe12ce9b8e3906bf4ea854l-m2448975477s-w1280.jpg",
"https://ap.rdcpix.com/8ed5bf705dbe12ce9b8e3906bf4ea854l-m187216184s-w1280.jpg",
"https://ap.rdcpix.com/8ed5bf705dbe12ce9b8e3906bf4ea854l-m1171927087s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 52.21,
"monthly_cash_flow": 972.83,
"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": "Selected based on the property having Central Air cooling and being a 3-bedroom unit.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected 'Electric' as the cooking fuel type, which is the most common option when gas is not specified. The value is for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'Electric' for heating, as 'Natural Gas' is not listed as an available utility for the property. Chose standard 'Electric' over 'Electric Heat Pump' as the more expensive and conservative option. The value is for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Standard allowance for general electrical use (lights, outlets) for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Selected based on the property having 'Public Sewer' and being a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard allowance for trash service, which is assumed to be a tenant expense for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Selected based on the property having 'Public' water source and being a 3-bedroom unit.",
"utility": "Water",
"allowance": 104
},
{
"note": "Selected 'Electric' as the fuel type, consistent with the heating/cooking fuel assumption. The value is for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.47,
"down_payment_amount": 24800.0,
"property_tax_annual": 1178.0,
"property_tax_monthly": 98.17,
"property_tax_increase": 0.03,
"utility_allowance_total": 372.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/fmr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39212/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": null,
"annual_cash_flow_after_debt": 3754.14,
"property_management_monthly": 124.8,
"monthly_cash_flow_after_debt": 312.84,
"cash_on_cash_return_after_debt": 0.15
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/2BA single family home appears structurally intact with a relatively new roof and reported new AC, but interior shows dated finishes, heavy clutter, stained carpet, and ceiling/wall patching. The most significant inspection risks are missing/uncertain life-safety devices (smoke/CO detectors), unconfirmed GFCI protection, and interior wear/cleanliness that will require cleaning and minor repairs. No active major structural or water-damaged areas are evident in the photos. Estimated Section 8 (HCV/NSPIRE) pass likelihood: moderate — requires installation/verification of smoke/CO detectors, removal of clutter, confirmation of egress/windows, minor electrical/fixture repairs and standard cleaning to reach passable condition within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Repairs",
"score": 60.0,
"rationale": "Interior shows heavy dated finishes (wood paneling, old carpet, linoleum) and significant clutter/household trash that will require cleaning and minor repairs. Kitchen appears serviceable but dated; built-in oven visible but general appliance completeness (fridge/stove) not confirmed. Carpets are stained and will likely need replacement or deep cleaning. Some wall/ceiling patches visible. These are mostly cosmetic and mid-level rehab items rather than structural failures, so moderate score assigned."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risks",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the photos (required). Ceiling shows patched areas and at least one missing light/vent cover which could be a minor safety hazard. No obvious exposed wiring, major trip hazards, collapsed ceilings, or active standing water seen. GFCI presence in kitchen/bath not visible. Entry door appears intact but deadbolt not confirmed. Bedroom egress windows not shown/confirmed. Because some required safety devices and GFCI/egress confirmation are missing from the visual record, this presents moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Listing states a new AC unit and photos show wall/window units; roof is advertised as 3 years old. These two items reduce major systems risk. Electrical panel, water heater, and plumbing fixtures are not visible in photos so assumed functional but unverified. Ceiling patches could indicate past water intrusion but no active leaks are visible. Overall system risk appears moderate-low based on listing claims and no visible catastrophic system failures."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 75.0,
"rationale": "Front yard and landscaping are unkempt (leaf litter, overgrowth) but property appears stable: brick exterior, covered carport, and no visible foundation settlement or standing water. Roof condition is claimed to be 3 years old and at least visually even from photos. Driveway/carport appears serviceable. Exterior issues are primarily cosmetic/maintenance rather than structural."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos (required by NSPIRE).",
"Ceiling patching and missing ceiling/vent cover(s) — possible past water intrusion; requires verification for active leaks and repair.",
"Significant interior clutter and trash that create trip hazards, hide defects, and may conceal pest activity.",
"Missing/uncertain GFCI protection in kitchen is not verifiable from photos and is a common NSPIRE failure point if absent."
],
"confidence": 0.6,
"assumptions": [
"Listing statement that the AC is new is accurate and the HVAC is operational.",
"Roof is approximately 3 years old as stated and has no active leaks at time of photos; ceiling patches are from past, not active, leaks.",
"Water heater, main plumbing and electrical panel are present and functional though not visible in photos.",
"Bedrooms have code-compliant egress windows (not shown) unless uncovered during inspection.",
"Appliances: a built-in oven is visible; presence of refrigerator and cooktop/range is not confirmed and will need to be verified prior to lease but absence alone is not treated as fatal.",
"Interior clutter/boxes visible are removable; no heavy concealed infestation or hazardous materials assumed unless discovered at a physical inspection."
],
"overall_score": 63.0,
"rubric_version": "2026-NSPIRE-1.0"
},
{
"summary": "Overall this single-family property appears structurally intact with a recent roof and reported new AC, but interior needs decluttering, deep cleaning, carpet and finish repairs, and safety fixes before it would likely pass an initial HCV/NSPIRE inspection. The most likely immediate inspection fails are missing smoke/CO detectors and visible ceiling/fixture issues; an electrical check and verification of water heater/heating are required. After removal of trash, installation of required detectors, minor ceiling repairs, carpet replacement or cleaning, and a quick systems check, the property is likely rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior shows heavy clutter, trash bags, stained/old carpeting, dated finishes (wood paneling), worn kitchen surfaces and flooring. Appliances appear present (wall oven visible) but kitchen needs deep clean and likely minor replacements (countertops, hardware). Ceilings show patched areas that will need inspection/repair. These are mostly cosmetic and moderate scope; missing or aged finish items reduce readiness but are fixable within a few weeks of work."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (required at inspection). Ceiling access/fixture covers missing in at least one room and there is visible ceiling patching — potential prior water intrusion to verify. No visible exposed major wiring but a missing light/cover is a potential electrical hazard. Bedroom egress, electrical panel condition, and GFCI presence in kitchen/baths are not shown and must be verified. Single-story layout reduces some egress risk but missing detectors and the ceiling evidence are likely inspection issues until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 70.0,
"rationale": "Listing states a new AC unit and photos do not show roof distress; seller notes roof is ~3 years old which is a strong positive. Kitchen plumbing fixtures present and no active leaks visible in photos. Electrical system and water heater are not shown; fixtures and appliances look aged which may require service. Given the stated new AC and relatively recent roof, major systems appear serviceable but verification and routine servicing are recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Front exterior brick facade, carport and roofline appear intact. Yard is unkempt with leaf litter and will need basic cleanup, but no visible foundation cracks, standing water, or collapsed elements in photos. Driveway and carport are functional. Overall exterior condition is fair with mostly cosmetic site work required."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos — likely automatic inspection fail until installed.",
"Ceiling patching and at least one missing light/ceiling cover — possible prior roof/water intrusion and potential electrical hazard.",
"Interior clutter, trash bags and soiled carpeting — sanitation/pest risk and tripping hazards that must be cleared.",
"No visible heating equipment shown — heating system presence/operation must be verified.",
"Electrical safety unknown (panel not shown) and missing fixture covers create potential code issues."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that the roof is 3 years old is accurate and roof is not actively leaking.",
"Listing statement that the home has a new AC unit is accurate (assumed central system rather than only window units).",
"Bedrooms, bathrooms and egress windows meet minimal size/egress code but were not visible in submitted photos so not verified.",
"Water heater and main electrical panel exist but were not photographed; their condition is unknown.",
"No active standing water, major mold colonies, or obvious foundation movement exist beyond what is visible in photos; ceiling patches are assumed prior leaks now patched but require verification.",
"Missing smoke/CO detectors are not present (none visible in photos) and will need to be installed unless documented otherwise."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This property looks structurally intact with a recently replaced roof and reportedly new AC, but it needs moderate interior work (clean-out, carpet/flooring replacement, fixture/cover repairs) and code-item fixes (smoke/CO detectors, GFCI outlets, small electrical cover repairs). With 2–4 weeks of cleaning, minor repairs and safety upgrades and verification of hot water/heating and electrical panel, it is likely to pass an initial HCV/NSPIRE inspection. Expect some inspection risks on safety items if detectors/GFCIs are not already installed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior is cluttered and dated but largely intact. Worn/stained carpeting, heavy dated paneling, old kitchen finishes and surface wear are visible. Some fixtures and covers are missing/loose and there is significant clean-out required. Appliances appear older but at least some (double oven/cooktop and range hood) are present. These are mostly cosmetic and mid-level capital fixes — cleaning, carpet replacement, fixture replacement, patching and repainting — not structural."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No visible smoke detectors in photos (likely fail if not present in required locations). No visible GFCI outlets in kitchen area. Ceiling has at least one missing cover/plate (potential electrical exposure). Clutter and black trash bags on floors create trip/infestation risk. No obvious active leaks, collapsed ceilings, or broken guardrails observed. Bedroom egress not photographed — assumed typical for this type but must be verified. Overall moderate risk: likely several NSPIRE checklist items (smoke/CO detectors, GFCI, minor electrical cover repairs, remove trip hazards) must be addressed before pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.0,
"rationale": "Listing states new AC and 3-year-old roof; photos show intact roofline and evidence of an AC unit (not pictured in detail). No visible signs of active water intrusion, but ceiling patch lines suggest prior repair(s) that should be inspected. Electrical condition cannot be confirmed (panel not shown) and lighting fixtures are dated. Water heater and furnace/heat source not shown. Given the advertised recent AC and roof, major systems likely serviceable but need verification and basic service checks (electrical panel, hot water, HVAC heating function)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior brick single-story with carport appears structurally sound in photos. Yard is overgrown with leaves and needs basic cleanup and mowing. Driveway and carport look serviceable. No visible major foundation cracks, standing water, or roof collapse. Big backyard claimed; no visible hazards on the lot from provided photos."
}
],
"red_flags": [
"No visible smoke detectors in interior photos (NSPIRE requires working smoke detectors in sleeping areas/hallways).",
"Ceiling has missing cover/fixture(s) in at least one location — potential electrical exposure requiring repair.",
"Clutter and trash on floors creating trip hazards and possibly hiding other defects or insect/rodent issues.",
"Major systems (water heater/heat source, electrical panel) not shown — condition unverified and must be confirmed before inspection.",
"Property built 1960 — potential lead-based paint hazard and required pre-1978 disclosures/controls unless otherwise documented."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that roof is 3 years old and AC is new is accurate and both are functional.",
"Bedrooms have normal egress windows consistent with a 1960 single-family layout (not directly shown).",
"Water heater, main electrical panel and heating system exist but were not photographed; their condition is unknown and assumed serviceable until inspected.",
"Appliances visible (double wall oven, range hood) are present but older; refrigerator may not be present in photos and may need replacement.",
"No active roof leaks are present now; ceiling patching indicates past repair(s) but no current collapse.",
"No lead-paint remediation has been performed; property built 1960 so lead-paint disclosures and precautions are required."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3317 Longwood Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "This 3BR/2BA single family home appears structurally intact with a relatively new roof and reported new AC, but interior shows dated finishes, heavy clutter, stained carpet, and ceiling/wall patching. The most significant inspection risks are missing/uncertain life-safety devices (smoke/CO detectors), unconfirmed GFCI protection, and interior wear/cleanliness that will require cleaning and minor repairs. No active major structural or water-damaged areas are evident in the photos. Estimated Section 8 (HCV/NSPIRE) pass likelihood: moderate — requires installation/verification of smoke/CO detectors, removal of clutter, confirmation of egress/windows, minor electrical/fixture repairs and standard cleaning to reach passable condition within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Repairs",
"score": 61.7,
"rationale": "Interior shows heavy dated finishes (wood paneling, old carpet, linoleum) and significant clutter/household trash that will require cleaning and minor repairs. Kitchen appears serviceable but dated; built-in oven visible but general appliance completeness (fridge/stove) not confirmed. Carpets are stained and will likely need replacement or deep cleaning. Some wall/ceiling patches visible. These are mostly cosmetic and mid-level rehab items rather than structural failures, so moderate score assigned."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 75.0,
"rationale": "Front yard and landscaping are unkempt (leaf litter, overgrowth) but property appears stable: brick exterior, covered carport, and no visible foundation settlement or standing water. Roof condition is claimed to be 3 years old and at least visually even from photos. Driveway/carport appears serviceable. Exterior issues are primarily cosmetic/maintenance rather than structural."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risks",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the photos (required). Ceiling shows patched areas and at least one missing light/vent cover which could be a minor safety hazard. No obvious exposed wiring, major trip hazards, collapsed ceilings, or active standing water seen. GFCI presence in kitchen/bath not visible. Entry door appears intact but deadbolt not confirmed. Bedroom egress windows not shown/confirmed. Because some required safety devices and GFCI/egress confirmation are missing from the visual record, this presents moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Listing states a new AC unit and photos show wall/window units; roof is advertised as 3 years old. These two items reduce major systems risk. Electrical panel, water heater, and plumbing fixtures are not visible in photos so assumed functional but unverified. Ceiling patches could indicate past water intrusion but no active leaks are visible. Overall system risk appears moderate-low based on listing claims and no visible catastrophic system failures."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos (required by NSPIRE).",
"Ceiling patching and missing ceiling/vent cover(s) — possible past water intrusion; requires verification for active leaks and repair.",
"Significant interior clutter and trash that create trip hazards, hide defects, and may conceal pest activity.",
"Missing/uncertain GFCI protection in kitchen is not verifiable from photos and is a common NSPIRE failure point if absent."
],
"confidence": 0.95,
"assumptions": [
"Listing statement that the AC is new is accurate and the HVAC is operational.",
"Roof is approximately 3 years old as stated and has no active leaks at time of photos; ceiling patches are from past, not active, leaks.",
"Water heater, main plumbing and electrical panel are present and functional though not visible in photos.",
"Bedrooms have code-compliant egress windows (not shown) unless uncovered during inspection.",
"Appliances: a built-in oven is visible; presence of refrigerator and cooktop/range is not confirmed and will need to be verified prior to lease but absence alone is not treated as fatal.",
"Interior clutter/boxes visible are removable; no heavy concealed infestation or hazardous materials assumed unless discovered at a physical inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 63.1,
"rubric_version": "2026-NSPIRE-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8380547478"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.