Property ID: 8390743122

421 Benning Rd, Jackson, MS, 39206

Jackson, MS

For Sale Feb 16, 2026 10:59 PM UTC Realtor Street View
Money Down: $17,976 CoC Return: 33.80% Monthly Cash Flow: $506
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$14,980
Closing Costs
$2,996
Total Down
$17,976
Primary property image

Investment Snapshot

Purchase Price
$74,900
Money Down
$17,976
Cash-on-Cash Return
33.80%
Rent
$1,194
Monthly Cash Flow
$506
Annual Cash Flow
$6,076
Debt Service / Mo
$399
Property Tax / Mo
$133
Insurance / Mo
$36

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,194
Payment Standard
$1,530
Rent
$1,194
Insurance
$36
Property Tax
$133
Management
$119
Utilities Allowance
$336
NOI (Monthly)
$905
Debt Service
$399
Cash Flow After Debt
$506

Quality Score: 70.80%

Confidence: 88.00%

This 3BR/1BA single-family looks largely rent-ready for Section 8 with minor cosmetic work and a brief systems verification. Interior finishes are in good condition, appliances appear present, and exterior/site condition is acceptable. Key verification items prior to inspection: confirm working HVAC, hot water, GFCI protection in kitchen/bath, presence/function of smoke (and CO if required) detectors, and that the small living-room ceiling stain is not an active leak. With those confirmations and a handful of minor fixes (possible deadbolt, GFCI or CO install, patching/paint of minor ceiling stain, concrete repair), the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.

Section 8 Payment Standard
$1,530
Utility Allowance Total
$336
Guaranteed Section 8 Rent (PS - Utilities)
$1,194
Property Management
$119

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$74,900
Beds
3
Baths
1
Living Area
1,155 sqft
Lot Size
13,068 sqft
Year Built
1954
Days on Market
32
Capital Outlay
$17,976
Debt Service
$399
Property Tax / Mo
$133
Insurance / Mo
$36

Property Description

Welcome to 421 Benning Rd in Jackson, MS. This charming one-story home features 3 bedrooms and 1 full bath, offering comfortable and functional living space. The layout includes a bright living area, well-sized bedrooms, and a practical kitchen suited for everyday living.

Utility Allowances

Air Conditioning
$12
The schedule provides a fixed allowance for this utility, and it is considered standard for single-family homes in this climate. The value is for a 3-bedroom unit.
Cooking (Natural Gas)
$8
Selected 'Natural Gas' as the fuel source based on its noted availability in nearby properties. The allowance is the scheduled amount for a 3-bedroom unit.
Heating (Natural Gas)
$21
Selected 'Natural Gas' as the fuel source based on property having heating and gas availability in the area. The allowance is the scheduled amount for a 3-bedroom unit.
Other Electric
$69
This is a standard fixed allowance from the schedule for general electricity usage (lights, outlets) for a 3-bedroom unit.
Range/Microwave (Tenant-Owned)
$3
Included because a range/microwave was not explicitly listed as a landlord-provided appliance. The allowance is for a tenant-owned appliance.
Refrigerator (Tenant-Owned)
$4
Included because a refrigerator was not explicitly listed as a landlord-provided appliance. The allowance is for a tenant-owned appliance.
Sewer
$60
Property details explicitly state 'Public Sewer'. The allowance is the fixed value for a 3-bedroom unit from the schedule.
Trash Collection
$37
This is a standard fixed allowance provided in the schedule for single-family homes.
Water
$104
Property details explicitly state 'Public' water source. The allowance is the fixed value for a 3-bedroom unit from the schedule.
Water Heating (Natural Gas)
$18
Selected 'Natural Gas' as the fuel source, consistent with the heating fuel choice and local availability. The allowance is the scheduled amount for a 3-bedroom unit.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$426
DP3 Annual Estimate$446
DP1 Monthly Equivalent$36
DP3 Monthly Equivalent$37
Replacement Value$28,660
Basis1,155 sqft / 1954

Nearby Houses

Nearby house 1
Photo unavailable

324 Lawrence Rd

sold · 0.04 mi
Price: $21,000
3 bd / 2 ba · 1,276 sqft
Latest sale: — on Dec 12, 2023
Latest rent: $1,100 on Mar 19, 2025
Nearby house 2
Photo unavailable

312 Lawrence Rd

sold · 0.05 mi
Price: $19,900
3 bd / 1 ba · 1,077 sqft
Latest sale: — on Dec 05, 2023
Latest rent: —
Nearby house 3
Photo unavailable

351 Lawrence Rd

sold · 0.07 mi
Price: $70,000
3 bd / 2 ba · 1,450 sqft
Latest sale: — on Oct 24, 2023
Latest rent: $1,150 on Apr 04, 2025
Nearby house 4
Photo unavailable

5041 Woodmont Dr

sold · 0.07 mi
Price: $40,000
3 bd / 1 ba · 1,482 sqft
Latest sale: — on Dec 04, 2023
Latest rent: $800 on Dec 31, 2015
Nearby house 5
Photo unavailable

315 Lawrence Rd

sold · 0.08 mi
Price: $60,000
2 bd / 2 ba · 1,169 sqft
Latest sale: — on Jul 07, 2023
Latest rent: —
Nearby house 6
Photo unavailable

508 Benning Rd

sold · 0.08 mi
Price: $31,900
3 bd / 1 ba · 1,216 sqft
Latest sale: —
Latest rent: —
Nearby house 7
Photo unavailable

361 Lawrence Rd

sold · 0.08 mi
Price: $35,000
4 bd / 1 ba · 1,305 sqft
Latest sale: —
Latest rent: —
Nearby house 8
Photo unavailable

519 Benning Rd

sold · 0.08 mi
Price: $124,900
4 bd / 2 ba · 1,471 sqft
Latest sale: —
Latest rent: —
Nearby house 9
Photo unavailable

313 Lawrence Rd

sold · 0.08 mi
Price: $9,500
3 bd / 1 ba · 1,096 sqft
Latest sale: —
Latest rent: —
Nearby house 10
Photo unavailable

311 Lawrence Rd

sold · 0.09 mi
Price: $30,000
3 bd / 2 ba · 1,450 sqft
Latest sale: —
Latest rent: —
Nearby house 11
Photo unavailable

385 Lawrence Rd

sold · 0.09 mi
Price: $29,900
3 bd / 1 ba · 1,394 sqft
Latest sale: —
Latest rent: —
Nearby house 12
Photo unavailable

401 Lawrence Rd

sold · 0.10 mi
Price: $39,900
3 bd / 2 ba · 1,152 sqft
Latest sale: —
Latest rent: —
Nearby house 13
Photo unavailable

418 Cedarhurst Dr

sold · 0.10 mi
Price: $40,000
3 bd / 1 ba · 1,032 sqft
Latest sale: —
Latest rent: —
Nearby house 14
Photo unavailable

4918 Woodmont Dr

sold · 0.11 mi
Price: $55,000
3 bd / 2 ba · 1,166 sqft
Latest sale: —
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Interior images are representative of the whole unit (other rooms of similar condition).
  • Kitchen appliances (electric range and refrigerator) are present and appeared in photos; assumed functional but not tested.
  • Central HVAC is present (inferred from floor vent) but unit operation has not been verified.
  • Water heater and hot water are present but not photographed; assumed present given listing but require verification.
  • Smoke detector visible is functional; additional detectors (bedrooms/hallways) may be required per local code and should be verified/installed as needed.
  • Bedrooms have egress windows typical of this construction; exact dimensions and functionality not verified from photos.
  • Electrical service/panel is covered and without obvious exposed wiring from photos; GFCI protection in kitchen/bath unknown and assumed missing until checked.
  • Ceiling discoloration in living room is from a past, repaired event or minor staining; not assumed to be an active leak but should be inspected.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,553 $53,560 $8,034
2023 $1,537 $53,290 $7,994
2021 $1,538 $53,290 $7,994
2020 $1,521 $53,030 $7,955
2019 $1,523 $53,030 $7,955
2018 $1,506 $53,030 $7,955
2017 $1,506 $53,030 $7,955
2016 $1,467 $53,030 $7,955
2015 $1,391 $51,800 $7,770
2014 $1,389 $51,800 $7,770
2013 $1,350 $51,800 $7,770
2012 $1,350 $51,800 $7,770
2011 $1,293 $50,330 $7,550
2010 $1,130 $50,330 $7,550
2009 $1,130 $50,330 $7,550
2008 $1,130 $37,500 $5,625
2007 $854 $37,500 $5,625

Sale History

DateEventPrice
2026-01-15 Listed $74,900
2011-03-08 Listing removed $16,900
2011-02-12 Listed $16,900

Photo Gallery

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            "label": "Condition & Repairs",
            "score": 78.0,
            "rationale": "Exterior and interior photos show a generally well-maintained home with cosmetic updates (fresh-looking paint, new vinyl plank flooring). Visible deferred items are minor: peeling/aged trim and lattice on the porch, concrete driveway cracks, and small ceiling stains in the living room. Kitchen appliances (range and refrigerator) appear present in the photos which reduces repair burden. No evidence of exposed subflooring, collapsed ceilings, or heavy interior damage. Overall repairs are largely cosmetic or small capital items likely completed within 1–2 weeks."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 68.0,
            "rationale": "A ceiling-mounted smoke alarm is visible in interior photos (positive). Exterior electrical meter/panel is present and covered and I see conduit routing (no obvious exposed live wiring). Porch has guardrails/railings present. Photos do show a small ceiling stain in the living room (possible prior water intrusion) but no sagging or active dripping visible. GFCI outlets in kitchen/bath are not visible in photos (unknown). Carbon monoxide detector presence not verifiable; stove appears to be electric (reduces CO risk). Bedroom egress windows are likely but not directly shown. Entry door has a keyed lock; presence of a deadbolt is not clearly visible. Because several NSPIRE checkpoints (GFCI, CO detector, exact egress, hot water, plumbing operation) cannot be confirmed from photos, score reflects moderate compliance with a need for quick verification and a few likely small corrections."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC/Electrical/Plumbing/Roof)",
            "score": 70.0,
            "rationale": "Visible floor vent suggests central HVAC ducting/heat exists but equipment (outdoor condensing unit / furnace) not shown and not verified operational. Exterior roof appears shingled and generally intact with no visible sagging; gutters not well-shown. Electrical service and meter are present and mounted; panel appears covered. Water heater, hot water supply, and plumbing fixtures are not shown so functionality is assumed but unverified. Given age of house (1954) and visual condition, systems are likely functional but require standard inspection and functional testing (HVAC run test, water heater, plumbing, electrical)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 82.0,
            "rationale": "Front yard is maintained and grading slopes away from the house in photos; foundation skirt/brick appears intact. Carport and covered porch are serviceable with some cosmetic wear and cracked concrete at driveway and carport slab edges. No visible standing water, major rot, termite damage, or overgrown vegetation impinging on structure. Overall exterior/site condition is good with only minor repairs and cleaning expected."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Interior images are representative of the whole unit (other rooms of similar condition).",
          "Kitchen appliances (electric range and refrigerator) are present and appeared in photos; assumed functional but not tested.",
          "Central HVAC is present (inferred from floor vent) but unit operation has not been verified.",
          "Water heater and hot water are present but not photographed; assumed present given listing but require verification.",
          "Smoke detector visible is functional; additional detectors (bedrooms/hallways) may be required per local code and should be verified/installed as needed.",
          "Bedrooms have egress windows typical of this construction; exact dimensions and functionality not verified from photos.",
          "Electrical service/panel is covered and without obvious exposed wiring from photos; GFCI protection in kitchen/bath unknown and assumed missing until checked.",
          "Ceiling discoloration in living room is from a past, repaired event or minor staining; not assumed to be an active leak but should be inspected."
        ],
        "overall_score": 74.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall this single-story 3BR/1BA appears in fair to good cosmetic condition with updated flooring and appliances visible. The property likely can pass an initial HCV/NSPIRE inspection after a short remediation list: verify/repair smoke and CO detector coverage in bedrooms and common areas, confirm/fit a deadbolt on the primary entry, verify GFCI protection in kitchen/bath, check and remediate any active roof/plumbing leak indicated by ceiling stains, and address any handrail/guardrail height or strength deficiencies on the porch/carport steps. Major structural or system failures are not evident in photos, but mechanical systems (HVAC, hot water) need operational verification. Expected time to get inspection-ready: minor repairs and testing (1–4 weeks) if no hidden system failures are found.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior appears recently painted with new-looking vinyl plank flooring and intact trim. Minor cosmetic issues visible: small ceiling stains/marks, scuffs on walls, worn lattice on porch, and hairline cracks in driveway and concrete at carport. Kitchen appliances (black refrigerator and stove) are present in photos so missing-appliance risk is low. These are mostly easy/medium fixes (paint touchups, replace/secure lattice, minor concrete patching). No evidence of exposed subfloor or collapsed surfaces in photos."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk (NSPIRE)",
            "score": 65.0,
            "rationale": "One smoke/CO-style round detector is visible in the living area ceiling (good), but no CO alarm is visible and detector coverage in bedrooms is not shown. Entry door has a knob; a deadbolt is not clearly visible in photos. Porch has a railing but the decorative lattice may not meet guardrail height/strength requirements — rail compliance is uncertain. Steps to the carport/side door appear without a handrail on at least one side. No obvious exposed wiring or open electrical hazards at meter/panel; exterior electrical meter and conduit appear intact. No obvious major trip hazards or compromised windows, but bedroom egress sizing cannot be confirmed from photos. Working plumbing/hot water not shown. Overall this is a moderate NSPIRE risk that will likely need minor fixes (additional detectors, verify deadbolt, verify GFCI and bedroom egress, install/repair handrail if required)."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Roof, Plumbing, Electrical)",
            "score": 60.0,
            "rationale": "Visible floor vents indicate central forced-air HVAC (presence likely), but no exterior condenser or furnace is shown to confirm operational status. Electrical meter and exterior panel are present and appear intact; no open panels or visible splices. Roof shingles appear generally intact from photos, but small ceiling stains in living area suggest prior roof or plumbing leaks that should be investigated. Water heater and main plumbing components are not visible. Systems appear serviceable but lack photographic confirmation of operation — recommended walkthrough testing (heat/AC, hot water, check attic/roof, inspect water heater and main plumbing) before inspection."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 70.0,
            "rationale": "Front yard and lot are maintained; no standing water observed. Siding and painted brick skirt look serviceable with normal wear. Concrete driveway and carport have hairline to moderate surface cracks but no visible major settlement or foundation movement. Porch posts show surface wear and lattice trim is decorative and weathered; guardrail height/strength should be measured. Fencing and neighboring lots visible; no visible infestation or major exterior structural distress. Overall manageable exterior repairs."
          }
        ],
        "red_flags": [
          "Ceiling stains in living area indicating possible water intrusion / past roof or plumbing leak that requires investigation.",
          "Unconfirmed smoke/CO detector coverage in bedrooms and hallway (only one detector visible) — NSPIRE requires detectors in specific locations.",
          "No clearly visible deadbolt on primary entry in photos — may require installation to meet lock/security expectations.",
          "Porch/carport railing uses decorative lattice and some steps lack a visible handrail; guardrail/handrail height and strength may fail measurement-based requirements if not corrected."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Interior photos represent the entire primary living area but bedrooms and bathroom(s) are not fully shown; assume bedrooms have standard windows of likely egress size for 1950s ranch but must be verified.",
          "A smoke detector is present in living area; additional detectors in bedrooms/hallways and a CO alarm are not visible and are assumed missing or unverified.",
          "Central HVAC exists (floor vents visible) and is assumed present and functional until tested; no condenser or furnace photos to confirm condition.",
          "Kitchen appliances (stove and refrigerator) are present as seen in one photo; no washer/dryer shown and laundry hookup condition is unknown.",
          "Electrical meter and exterior panel appear intact; interior service panel condition and presence of required breakers/GFCI are not shown.",
          "Ceiling stains indicate past water intrusion; not enough evidence to conclude active leak or major roof failure without inspection.",
          "No rental history in last 5 years per snapshot; rental_history_activity criterion excluded from scoring."
        ],
        "overall_score": 68.0,
        "rubric_version": "2026-02-16_v1"
      },
      {
        "summary": "This 3BR/1BA single-story home presents as mostly livable with primarily cosmetic repairs and system verification needed. Interior finishes and flooring look recently refreshed; appliances appear present. Visible safety items (smoke detector, intact service equipment, secure entry) are positive. Key unknowns that will determine passability on an initial HCV/NSPIRE inspection are operational verification of HVAC and hot water, presence of GFCI protection in kitchen/bath, CO detector if required, and confirmation that the small ceiling stains are not an active leak. No major structural or life-safety failures are visible in the photos. Overall this property is likely to be ready for a Housing Choice Voucher inspection after minor repairs and quick systems verification/servicing (estimated under 30 days).",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 75.0,
            "rationale": "Interior and exterior photos show a generally clean, recently painted interior with new-looking vinyl plank flooring and intact trim. Cosmetic issues visible: minor ceiling staining in living area, scuffed walls, weathered porch lattice and paint wear, and hairline cracking in the driveway/concrete at the carport. Porch decking and lattice are cosmetic and repairable. Kitchen appliances (black refrigerator/stove) are visible in photos, so missing-appliance penalty does not apply. No evidence of exposed subfloor, collapsed surfaces, or major structural failure. Overall: mostly cosmetic/finish repairs and small concrete and paint work."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety and code risk",
            "score": 70.0,
            "rationale": "A ceiling-mounted smoke detector is visible in the living area. Entry door appears secure with a functioning knob and secondary lock visible in photos. No exposed wiring or obvious electrical hazards are visible; the electrical meter and service conduit appear intact from exterior shots. No collapsed ceilings, major foundation cracks, standing water, or severe mold visible. Unknowns that affect score: presence/operation of carbon monoxide detector (if required), GFCI protection in kitchen and bath, hot water function, and bath egress window details. Porch guardrail is present (lattice style) but opening spacing and exact guardrail height are not verifiable in photos. Small ceiling stains could indicate past or minor water intrusion that should be inspected. Given visible safety items and no life-threatening hazards shown, risk is moderate-low but dependent on a few unseen items."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (roof, HVAC, electrical, plumbing)",
            "score": 65.0,
            "rationale": "Electrical service and meter are present and appear intact from exterior photos. Floor registers are visible in living area indicating a central HVAC/forced-air distribution system exists, but no furnace/AHU or outside condensing unit is shown so operation and age are unconfirmed. Roof shingles are visible and appear intact with no obvious sagging or missing fields, but age is unknown for a 1954 house and may be nearing replacement life. No water heater or mechanical closet is photographed. Plumbing fixtures and hot water are unverified. Because major systems appear present but are not documented or clearly shown operational, score is moderate reflecting need for mechanical verification and potential servicing."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 70.0,
            "rationale": "Yard is maintained, grade slopes away from the house in photos, and chain-link fence visible at side. Siding and painted brick foundation appear intact with minor cosmetic wear. Carport and porch concrete show hairline cracking but no collapse. Trees are close to the house which increases risk of roof debris but there is no visible water pooling or significant erosion. Lattice railings and decorative elements show weathering and would benefit from repainting/repair. No signs of infestation, major foundation movement, or significant exterior structural distress are visible."
          }
        ],
        "red_flags": [],
        "confidence": 0.65,
        "assumptions": [
          "Kitchen appliances (stove and refrigerator) shown in photos are included and operational.",
          "Floor registers indicate a central HVAC system is present; HVAC is assumed serviceable but not confirmed operational from photos.",
          "Water heater and hot water are present but not photographed; hot water availability is unknown and should be verified prior to inspection.",
          "Smoke detector visible in living area is functional; additional detectors (bedrooms/hallways) are not shown and may be required.",
          "No active roof leaks are present despite small ceiling stains; stains represent past or minor issues that are repairable.",
          "Electrical service appears intact from exterior but internal electrical panel condition and GFCI protection locations are not visible and must be confirmed.",
          "Bedroom egress windows are assumed present and of sufficient size for egress based on typical layout, but exact compliance is unverified from photos.",
          "Porch guardrail exists (decorative lattice) and is assumed to meet guardrail requirements, but exact height and opening sizes were not measured."
        ],
        "overall_score": 70.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "421 Benning Rd, Jackson, MS, 39206",
    "aggregate": {
      "summary": "This 3BR/1BA single-family looks largely rent-ready for Section 8 with minor cosmetic work and a brief systems verification. Interior finishes are in good condition, appliances appear present, and exterior/site condition is acceptable. Key verification items prior to inspection: confirm working HVAC, hot water, GFCI protection in kitchen/bath, presence/function of smoke (and CO if required) detectors, and that the small living-room ceiling stain is not an active leak. With those confirmations and a handful of minor fixes (possible deadbolt, GFCI or CO install, patching/paint of minor ceiling stain, concrete repair), the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 76.0,
          "rationale": "Exterior and interior photos show a generally well-maintained home with cosmetic updates (fresh-looking paint, new vinyl plank flooring). Visible deferred items are minor: peeling/aged trim and lattice on the porch, concrete driveway cracks, and small ceiling stains in the living room. Kitchen appliances (range and refrigerator) appear present in the photos which reduces repair burden. No evidence of exposed subflooring, collapsed ceilings, or heavy interior damage. Overall repairs are largely cosmetic or small capital items likely completed within 1–2 weeks."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 74.0,
          "rationale": "Front yard is maintained and grading slopes away from the house in photos; foundation skirt/brick appears intact. Carport and covered porch are serviceable with some cosmetic wear and cracked concrete at driveway and carport slab edges. No visible standing water, major rot, termite damage, or overgrown vegetation impinging on structure. Overall exterior/site condition is good with only minor repairs and cleaning expected."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Compliance Risk",
          "score": 67.7,
          "rationale": "A ceiling-mounted smoke alarm is visible in interior photos (positive). Exterior electrical meter/panel is present and covered and I see conduit routing (no obvious exposed live wiring). Porch has guardrails/railings present. Photos do show a small ceiling stain in the living room (possible prior water intrusion) but no sagging or active dripping visible. GFCI outlets in kitchen/bath are not visible in photos (unknown). Carbon monoxide detector presence not verifiable; stove appears to be electric (reduces CO risk). Bedroom egress windows are likely but not directly shown. Entry door has a keyed lock; presence of a deadbolt is not clearly visible. Because several NSPIRE checkpoints (GFCI, CO detector, exact egress, hot water, plumbing operation) cannot be confirmed from photos, score reflects moderate compliance with a need for quick verification and a few likely small corrections."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (HVAC/Electrical/Plumbing/Roof)",
          "score": 65.0,
          "rationale": "Visible floor vent suggests central HVAC ducting/heat exists but equipment (outdoor condensing unit / furnace) not shown and not verified operational. Exterior roof appears shingled and generally intact with no visible sagging; gutters not well-shown. Electrical service and meter are present and mounted; panel appears covered. Water heater, hot water supply, and plumbing fixtures are not shown so functionality is assumed but unverified. Given age of house (1954) and visual condition, systems are likely functional but require standard inspection and functional testing (HVAC run test, water heater, plumbing, electrical)."
        }
      ],
      "red_flags": [],
      "confidence": 0.88,
      "assumptions": [
        "Interior images are representative of the whole unit (other rooms of similar condition).",
        "Kitchen appliances (electric range and refrigerator) are present and appeared in photos; assumed functional but not tested.",
        "Central HVAC is present (inferred from floor vent) but unit operation has not been verified.",
        "Water heater and hot water are present but not photographed; assumed present given listing but require verification.",
        "Smoke detector visible is functional; additional detectors (bedrooms/hallways) may be required per local code and should be verified/installed as needed.",
        "Bedrooms have egress windows typical of this construction; exact dimensions and functionality not verified from photos.",
        "Electrical service/panel is covered and without obvious exposed wiring from photos; GFCI protection in kitchen/bath unknown and assumed missing until checked.",
        "Ceiling discoloration in living room is from a past, repaired event or minor staining; not assumed to be an active leak but should be inspected."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 70.8,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8390743122"
  }
}

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