1110 N Lamar St, Jackson, MS, 39202
Jackson, MS
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 73.40%
Confidence: 75.00%
Overall this property appears in generally good exterior condition and would likely pass a first HCV/NSPIRE inspection after addressing a small list of likely interior items. Main risks are unverified interior safety items (smoke/CO alarms, GFCI outlets, hot water, electrical panel) and unknown condition of HVAC and water heater. Expect minor to moderate work (detectors, GFCIs, light/cover repairs, possible HVAC service) to reach full compliance; time-to-rent likely within 2–6 weeks depending on discovery during an interior inspection.
Property Fundamentals
Property Description
SOLD ''AS IS'' Charming and well-kept home just minutes from downtown Jackson! Enjoy a bright living area, efficient kitchen, and two comfortable bedrooms. Features include storm doors, a small deck for relaxing, and a neatly maintained yard. Conveniently located near shopping, dining, and major highways-this home offers comfort, value, and city convenience in one cozy package! Washer & Dryer and refrigerator to remain with acceptable offer.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos not provided; assumed interior condition is average/well-kept consistent with listing text 'well-kept'.
- Washer, dryer, and refrigerator will be left with an acceptable offer per listing; stove presence not explicitly confirmed but assumed typical kitchen range exists or can be provided.
- Smoke and CO detectors, GFCI outlets, hot water, and heating/cooling systems are unverified and therefore treated as unknown risks rather than confirmed failures.
- No visible major roof leaks, foundation movement, structural sagging, or large-scale water intrusion from the exterior photo.
- Windows visible on front are assumed to be standard egress-capable double-hung units for bedrooms/living areas; exact bedroom window sizes/egress not verified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-07 | Listed | $86,000 |
Photo Gallery
Show raw JSON (debug)
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1110-N-Lamar-St_Jackson_MS_39202_M84401-87323",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 86000.0,
"loan_term_years": 30,
"annual_cash_flow": 12662.1,
"mortgage_monthly": 457.73,
"payment_standard": 1570.0,
"total_amount_out": 17200.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 35.04,
"monthly_cash_flow": 1055.17,
"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 'natural_gas' for a 2-bedroom unit. Property info indicates 'Central' heating and availability of natural gas.",
"utility": "Heating",
"allowance": 17
},
{
"note": "Selected 'natural_gas' for a 2-bedroom unit. Property is listed as having a 'Gas Cooktop'.",
"utility": "Cooking",
"allowance": 6
},
{
"note": "Selected 'natural_gas' for a 2-bedroom unit. Fuel type was not specified, but natural gas is available and used for cooking, making it the most logical choice.",
"utility": "Water Heating",
"allowance": 15
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit. Property is listed as having 'Central Air'.",
"utility": "Air Conditioning",
"allowance": 10
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit for general electricity usage (lights, outlets).",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit. Property is listed as having 'Public Sewer'.",
"utility": "Sewer",
"allowance": 49
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit. Property is listed as having 'Public' water.",
"utility": "Water",
"allowance": 93
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit. This is a standard utility for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
}
],
"cash_on_cash_return": 0.74,
"down_payment_amount": 17200.0,
"property_tax_annual": 817.0,
"property_tax_monthly": 68.08,
"property_tax_increase": 0.03,
"utility_allowance_total": 283.0,
"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": null,
"annual_cash_flow_after_debt": 7169.36,
"property_management_monthly": 128.7,
"monthly_cash_flow_after_debt": 597.45,
"cash_on_cash_return_after_debt": 0.42
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this property appears in generally good exterior condition and would likely pass a first HCV/NSPIRE inspection after addressing a small list of likely interior items. Main risks are unverified interior safety items (smoke/CO alarms, GFCI outlets, hot water, electrical panel) and unknown condition of HVAC and water heater. Expect minor to moderate work (detectors, GFCIs, light/cover repairs, possible HVAC service) to reach full compliance; time-to-rent likely within 2–6 weeks depending on discovery during an interior inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Front exterior and yard appear reasonably maintained; porch and railings intact. Listing states kitchen appliances (washer/dryer and refrigerator) will remain with acceptable offer, reducing appliance risk. Visible minor cosmetic wear (faded paint on porch/trim, overgrown shrubs) but no visible major interior/exterior damage in provided photo. Because interior photos are not provided, minor unseen cosmetic/finish repairs are assumed. Missing interior fixtures (lighting/outlet covers) not observed but should be expected and are easy to remedy."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 60.0,
"rationale": "Exterior shows a secure storm/screen door, intact porch railing, and an apparently sound walkway and steps. No exposed wiring or obvious structural sagging visible from photo. However critical NSPIRE items cannot be confirmed from photos: presence/placement of smoke and CO alarms, GFCI protection in kitchen/bath, hot water availability, electrical panel condition, and bedroom egress for both bedrooms. Because these are unknown but there are no outward signs of severe hazards, score reflects moderate inspection risk requiring verification/corrections (likely small fixes like detectors or GFCIs)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 55.0,
"rationale": "Roof shingles appear intact with no visible sagging or active leaks from front elevation; foundation brick skirt looks stable. No HVAC condenser or water-heater visible in the provided photo to confirm presence/age/operation. Electrical service, panel, plumbing fixtures, and hot-water system cannot be verified. Given the house's 2002 build year, systems may be original or mid-life and should be inspected; potential for service or replacement exists but no evidence of catastrophic failure is visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Yard is neatly maintained; sidewalks and curb appear in serviceable condition. Vinyl siding and brick foundation appear intact with no visible major cracks or moisture intrusion at front. Small front deck/stairs and railing present. Landscaping (shrubs near windows) may partially obstruct egress windows or require trimming but is an easy fix. No visible standing water, erosion, or infestation evidence in the provided image."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Interior photos not provided; assumed interior condition is average/well-kept consistent with listing text 'well-kept'.",
"Washer, dryer, and refrigerator will be left with an acceptable offer per listing; stove presence not explicitly confirmed but assumed typical kitchen range exists or can be provided.",
"Smoke and CO detectors, GFCI outlets, hot water, and heating/cooling systems are unverified and therefore treated as unknown risks rather than confirmed failures.",
"No visible major roof leaks, foundation movement, structural sagging, or large-scale water intrusion from the exterior photo.",
"Windows visible on front are assumed to be standard egress-capable double-hung units for bedrooms/living areas; exact bedroom window sizes/egress not verified."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and the listing, this 2BR/1BA property appears well‑kept and likely to pass an initial HCV/Section 8 inspection with minor, quick fixes if any. The exterior, foundation, and roof show no obvious severe defects; most likely deficiencies if found will be cosmetic or simple compliance items (smoke/CO detectors, GFCI outlets, deadbolt). Unseen interior systems (HVAC, hot water, electrical panel) introduce moderate uncertainty and could require service but there are no visible red‑flag structural or life‑safety issues.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Front elevation and yard photos show a generally well‑kept single‑family home: intact siding, painted trim, maintained landscaping, brick foundation visible and appearing sound, and an intact small front deck/steps with railings. Observable minor items: paint wear on the front screen/door and railings and a small sidewalk/curb crack. Listing states washer/dryer and refrigerator available with offer (reduces appliance risk). No interior photos to judge flooring/cabinets/drywall, so assumed to be average for an as‑is sale built 2002. Most visible issues are cosmetic or small repairs — easy to fix, capital items rather than structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible from exterior: no sagging roofline, no collapsed areas, no standing water, no exposed wiring on the visible facade, and the small porch has guardrails. Cannot verify presence/location of smoke and CO detectors, GFCI protection in kitchen/bath, hot water availability, or bedroom egress from exterior photos. Entry door has a screen/security door visible but deadbolt presence is not confirmed. Because no active hazards are evident but several NSPIRE items are unverified from photos, score is moderate — likely passable if interior fittings (smoke detectors, deadbolt, working plumbing) are present; otherwise could require quick fixes."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, electrical, plumbing, water heater",
"score": 65.0,
"rationale": "Roof shingles appear generally intact with no visible large patches of missing shingles or sagging, suggesting no immediate major roof failure. No exterior HVAC condenser or mechanical equipment visible in the front photo (likely at side/rear) and interior systems (furnace/AC, water heater, electrical panel) are not shown. Given the home's 2002 construction and listing describing it as 'well‑kept', it's reasonable to expect functioning systems, but absence of evidence creates moderate risk that one or two systems may need service. Thus score reflects likely functional systems but with uncertainty and possible minor repairs or servicing required."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard, walkways, foundation",
"score": 85.0,
"rationale": "Exterior photo shows even roofline, intact siding, brick skirt foundation with no visible major cracks, trimmed yard, working storm/screen door and a small front deck. Walkway from curb to steps appears generally level; curb shows minor cracking and leaf debris. No signs of exterior neglect, visible pest infestation, or drainage pooling in the photographed view. Overall site appears tidy and low risk for immediate repairs."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior condition (flooring, drywall, cabinets, plumbing fixtures) is typical for an 'as‑is' but 'well‑kept' listing from 2002; no visible major interior distress from exterior cues.",
"Washer, dryer, and refrigerator will remain with an acceptable offer as stated in the listing and therefore appliances are available for tenants.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may need verification or installation to meet NSPIRE requirements.",
"Heating and cooling systems, water heater, and electrical panel exist and are operational or serviceable but their condition is unverified from provided photos.",
"GFCI protection locations (kitchen/bath) and bedroom egress window sizing cannot be confirmed from exterior photo and will need interior verification.",
"Entry door likely has standard locking hardware but presence of a working deadbolt must be confirmed."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property presents as a well-kept, low-risk single-family house likely to pass an initial Section 8 (NSPIRE) inspection with minor actions. Exterior and curb appeal are good; biggest unknowns are interior safety devices (smoke/CO/GFCI), verification of HVAC and hot water, and electrical panel condition. Addressing or verifying detectors, GFCIs, HVAC operation, and basic plumbing/electrical checks should put this property in turnkey condition within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 85.0,
"rationale": "Exterior visible from photos and description appears well-kept: siding intact, windows in place, small front deck/steps and railings present, lawn maintained. Listing indicates washer/dryer and refrigerator remain with acceptable offer, reducing appliance risk. Cosmetic items (paint touch-ups, minor porch/trim wear) are likely. No visible major deferred maintenance. These are easy-to-fix, capital-only items and would not be expected to block an initial inspection if interior is similarly maintained."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 72.0,
"rationale": "No obvious life-threatening hazards visible on exterior: no sagging roofline, no collapsed elements, no visible exposed wiring, stairs/handrail present at front entry. House built 2002 lowers lead-paint risk. However, interior safety-critical items are not verifiable in photos: presence/placement of smoke detectors, carbon monoxide alarm (if applicable), GFCI protection in kitchen/bath, functioning egress windows, and deadbolt on entry door are unknown. Conservative moderate score reflects probable basic compliance given age and appearance but deducts for unknowns that commonly cause initial inspection failures."
},
{
"key": "systems_mechanical",
"label": "Major Systems Condition (HVAC, Plumbing, Electrical, Roof)",
"score": 70.0,
"rationale": "Roof shingles look intact from the front elevation with no visible sagging or active leak indicators. No HVAC condenser or systems are visible in the photo; built 2002 suggests a central system may exist but this is unconfirmed. Water heater, electrical panel, and plumbing condition are not shown. Because none of the major systems show external distress but are unverified, score reflects moderate confidence — likely service/verification required (AC operation, hot water, breaker labeling, plumbing checks)."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 88.0,
"rationale": "Front yard and walkway are tidy; brick foundation veneer appears sound with no visible large cracks. Siding and shutters look intact; small porch and storm door present. Sidewalk and curb look serviceable. No visible standing water, drainage issues, or infestation evidence in the provided photo. Overall low exterior risk for inspection."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior conditions (walls, floors, ceilings, plumbing fixtures) are generally comparable to the tidy exterior and listing description 'well-kept.'",
"Listing statement that washer/dryer and refrigerator will remain with acceptable offer is accurate and appliances are operable or repairable.",
"Built in 2002 so lead-based paint risk is low (post-1978).",
"No major roof leaks, hidden structural issues, or severe mold present beyond what is visible in the exterior photo.",
"There is no visible central HVAC condenser in the provided photo; an HVAC system likely exists but its operational status is unknown.",
"Smoke detectors, carbon monoxide alarms, GFCI outlets, and proper egress windows are not visible in photos and therefore assumed unknown."
],
"overall_score": 79.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1110 N Lamar St, Jackson, MS, 39202",
"aggregate": {
"summary": "Overall this property appears in generally good exterior condition and would likely pass a first HCV/NSPIRE inspection after addressing a small list of likely interior items. Main risks are unverified interior safety items (smoke/CO alarms, GFCI outlets, hot water, electrical panel) and unknown condition of HVAC and water heater. Expect minor to moderate work (detectors, GFCIs, light/cover repairs, possible HVAC service) to reach full compliance; time-to-rent likely within 2–6 weeks depending on discovery during an interior inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Front exterior and yard appear reasonably maintained; porch and railings intact. Listing states kitchen appliances (washer/dryer and refrigerator) will remain with acceptable offer, reducing appliance risk. Visible minor cosmetic wear (faded paint on porch/trim, overgrown shrubs) but no visible major interior/exterior damage in provided photo. Because interior photos are not provided, minor unseen cosmetic/finish repairs are assumed. Missing interior fixtures (lighting/outlet covers) not observed but should be expected and are easy to remedy."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 84.3,
"rationale": "Yard is neatly maintained; sidewalks and curb appear in serviceable condition. Vinyl siding and brick foundation appear intact with no visible major cracks or moisture intrusion at front. Small front deck/stairs and railing present. Landscaping (shrubs near windows) may partially obstruct egress windows or require trimming but is an easy fix. No visible standing water, erosion, or infestation evidence in the provided image."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 67.3,
"rationale": "Exterior shows a secure storm/screen door, intact porch railing, and an apparently sound walkway and steps. No exposed wiring or obvious structural sagging visible from photo. However critical NSPIRE items cannot be confirmed from photos: presence/placement of smoke and CO alarms, GFCI protection in kitchen/bath, hot water availability, electrical panel condition, and bedroom egress for both bedrooms. Because these are unknown but there are no outward signs of severe hazards, score reflects moderate inspection risk requiring verification/corrections (likely small fixes like detectors or GFCIs)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 63.3,
"rationale": "Roof shingles appear intact with no visible sagging or active leaks from front elevation; foundation brick skirt looks stable. No HVAC condenser or water-heater visible in the provided photo to confirm presence/age/operation. Electrical service, panel, plumbing fixtures, and hot-water system cannot be verified. Given the house's 2002 build year, systems may be original or mid-life and should be inspected; potential for service or replacement exists but no evidence of catastrophic failure is visible."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Interior photos not provided; assumed interior condition is average/well-kept consistent with listing text 'well-kept'.",
"Washer, dryer, and refrigerator will be left with an acceptable offer per listing; stove presence not explicitly confirmed but assumed typical kitchen range exists or can be provided.",
"Smoke and CO detectors, GFCI outlets, hot water, and heating/cooling systems are unverified and therefore treated as unknown risks rather than confirmed failures.",
"No visible major roof leaks, foundation movement, structural sagging, or large-scale water intrusion from the exterior photo.",
"Windows visible on front are assumed to be standard egress-capable double-hung units for bedrooms/living areas; exact bedroom window sizes/egress not verified."
],
"score_method": "mean_of_criteria",
"overall_score": 73.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8440187323"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.