Property ID: 8461500476
980 Royal Oak Dr, Jackson, MS, 39209
Jackson, MS
Money Down: $21,600
CoC Return: 18.56%
Monthly Cash Flow: $334
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$18,000
Closing Costs
$3,600
Total Down
$21,600
Investment Snapshot
Purchase Price
$90,000
Money Down
$21,600
Cash-on-Cash Return
18.56%
Rent
$1,127
Monthly Cash Flow
$334
Annual Cash Flow
$4,009
Debt Service / Mo
$479
Property Tax / Mo
$113
Insurance / Mo
$88
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,127
Payment Standard
$1,520
Rent
$1,127
Insurance
$88
Property Tax
$113
Management
$113
Utilities Allowance
$393
NOI (Monthly)
$813
Debt Service
$479
Cash Flow After Debt
$334
Quality Score: 60.60%
Confidence: 88.00%
Based on available exterior photos and the listing, this 1972 brick ranch presents as a solid candidate structurally but with visible deferred maintenance and aging systems. The most serious inspection risk is the presence of window security/burglar bars that may obstruct emergency egress (unknown if releasable from inside). The roof shows obvious aging and should be closely evaluated. Driveway/walkway trip hazards, overgrown landscaping and debris are easy-to-fix but must be addressed prior to inspection. Without interior/system verification (smoke/CO detectors, GFCIs, HVAC operation, water heater and electrical panel condition) the property is estimated to require moderate repairs and system checks — likely 30–60 days of work to achieve a reliable NSPIRE pass if interior systems are typical for a home this age.
Section 8 Payment Standard
$1,520
Utility Allowance Total
$393
Guaranteed Section 8 Rent (PS - Utilities)
$1,127
Property Management
$113
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$90,000
Beds
4
Baths
3
Living Area
3,101 sqft
Lot Size
16,553 sqft
Year Built
1972
Days on Market
28
Capital Outlay
$21,600
Debt Service
$479
Property Tax / Mo
$113
Insurance / Mo
$88
Property Description
Welcome to Rolling Hills - South Jackson's Hidden Gem! This spacious 4-bedroom, 3-bath home offers over 3,000 square feet of comfortable living space, perfectly situated on an oversized yard in Rolling Hills subdivision. With plenty of room both inside and out, this property is ideal for entertaining. Step inside to find a thoughtfully designed floor plan featuring an eat-in kitchen alongside a formal dining room, perfect for both casual meals and special gatherings. The home boasts multiple living areas, including a cozy family room, an inviting living room, and a private office. The three-car garage provides ample parking and storage space, while the spacious yard offers endless potential for outdoor fun. With its classic charm and generous layout, this home is ready for your personal touch. Bring your imagination to make it truly your own. Call your favorite real estate professional today to schedule your private tour!
Utility Allowances
Heating
$26
Property data specifies 'Natural Gas' for heating, and the 'natural_gas' option was selected from the schedule.
Cooking
$10
Natural gas is available and used for heating, making it the most probable fuel for cooking. The 'natural_gas' option was selected from the schedule.
Water Heating
$23
Fuel type was not specified. 'Natural Gas' was selected as it is consistent with the property's heating system.
Air Conditioning
$16
Property has 'Central Air' cooling.
Other Electric
$88
This is a standard allowance for general electricity usage (lights, outlets).
Water
$116
Property uses 'Public' water as per listing details.
Sewer
$70
Property is connected to a 'Public Sewer' system as per listing details.
Trash Collection
$37
Assumed to be a standard tenant-paid utility for a single-family home.
Refrigerator
$4
Allowance for a tenant-owned refrigerator as the property listing specifies 'appliances: ["None"]'.
Range/Microwave
$3
Allowance for a tenant-owned range/microwave as the property listing specifies 'appliances: ["None"]'. This covers the electric components of the appliance.
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$1,037
DP3 Annual Estimate$1,084
DP1 Monthly Equivalent$86
DP3 Monthly Equivalent$90
Replacement Value$131,020
Basis3,101 sqft / 1972
Nearby Houses
Photo unavailable
3231 Copperfield St
sold · 0.06 mi
Price: $86,000
3 bd / 2 ba · 2,042 sqft
Latest sale: — on Dec 01, 2023
Latest rent: $1,566 on Jul 04, 2025
Photo unavailable
3223 Copperfield St
for_sale · 0.06 mi
Price: $46,200
3 bd / 3 ba · 1,984 sqft
Latest sale: —
Latest rent: —
Photo unavailable
956 Royal Oak Dr
sold · 0.07 mi
Price: $104,800
4 bd / 2 ba · 2,402 sqft
Latest sale: — on Dec 12, 2023
Latest rent: —
Photo unavailable
962 W Ridge Dr
sold · 0.11 mi
Price: $80,000
3 bd / 2 ba · 1,572 sqft
Latest sale: — on Jul 23, 2024
Latest rent: —
Photo unavailable
1067 Dewey St Units 1 & 2
sold · 0.18 mi
Price: $48,500
6 bd / 2 ba · 1,594 sqft
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Window security/burglar bars on multiple windows that may block emergency egress if not releasable from inside
- Roof shows staining and granule loss indicating advanced aging; potential need for replacement or major repair
- Cracked/uneven driveway and walkways with heavy leaf/debris cover — trip/slip hazards and inspection failure potential if not cleared/repaired
- Overhanging trees and accumulated roof debris increasing risk of water intrusion and roof/gutter failure
- No interior/system verification (smoke/CO detectors, HVAC, electrical panel) — unknowns that could become inspection failures
Assumptions
- Interior photos and system tests were not provided; assume interior fixtures (smoke detectors, CO alarms, GFCI outlets) are either missing or their status is unknown.
- Window security/burglar bars pictured are assumed to be fixed (not quick-release) unless otherwise documented; this increases egress risk.
- Central HVAC, water heater and electrical panel exist but are original or aged given 1972 build date; assume they may need servicing or replacement.
- No visible roof collapse or major structural sagging was observed; roof shows wear but not obvious catastrophic failure in supplied photos.
- Appliance presence (stove, refrigerator) and interior cosmetic condition are unknown; lack of this information reduces confidence but does not heavily reduce score absent other failures.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,314 | $143,020 | $14,302 |
| 2023 | $1,308 | $143,020 | $14,302 |
| 2021 | $1,308 | $143,020 | $14,302 |
| 2020 | $1,269 | $141,370 | $14,137 |
| 2019 | $1,270 | $141,370 | $14,137 |
| 2018 | $1,256 | $141,370 | $14,137 |
| 2017 | $1,257 | $141,370 | $14,137 |
| 2016 | $1,224 | $141,370 | $14,137 |
| 2015 | $1,156 | $139,620 | $13,962 |
| 2014 | $1,040 | $133,210 | $13,321 |
| 2013 | $2,015 | $133,210 | $13,321 |
| 2012 | $2,015 | $133,210 | $13,321 |
| 2011 | $2,073 | $138,530 | $13,853 |
| 2010 | $3,539 | $138,530 | $20,780 |
| 2009 | $3,539 | $138,530 | $20,780 |
| 2008 | $2,059 | $121,930 | $12,193 |
| 2007 | $1,798 | $121,930 | $12,193 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-19 | Listed | $90,000 |
Photo Gallery
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"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Property data specifies 'Natural Gas' for heating, and the 'natural_gas' option was selected from the schedule.",
"utility": "Heating",
"allowance": 26
},
{
"note": "Natural gas is available and used for heating, making it the most probable fuel for cooking. The 'natural_gas' option was selected from the schedule.",
"utility": "Cooking",
"allowance": 10
},
{
"note": "Fuel type was not specified. 'Natural Gas' was selected as it is consistent with the property's heating system.",
"utility": "Water Heating",
"allowance": 23
},
{
"note": "Property has 'Central Air' cooling.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "This is a standard allowance for general electricity usage (lights, outlets).",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Property uses 'Public' water as per listing details.",
"utility": "Water",
"allowance": 116
},
{
"note": "Property is connected to a 'Public Sewer' system as per listing details.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Assumed to be a standard tenant-paid utility for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Allowance for a tenant-owned refrigerator as the property listing specifies 'appliances: [\"None\"]'.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Allowance for a tenant-owned range/microwave as the property listing specifies 'appliances: [\"None\"]'. This covers the electric components of the appliance.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.54,
"down_payment_amount": 18000.0,
"property_tax_annual": 1353.42,
"property_tax_monthly": 112.79,
"property_tax_increase": 0.03,
"utility_allowance_total": 393.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/ps",
"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": 4009.47,
"property_management_monthly": 112.7,
"monthly_cash_flow_after_debt": 334.12,
"cash_on_cash_return_after_debt": 0.22
},
"section8_assessment": {
"runs": [
{
"summary": "Based on available exterior photos and the listing, this 1972 brick ranch presents as a solid candidate structurally but with visible deferred maintenance and aging systems. The most serious inspection risk is the presence of window security/burglar bars that may obstruct emergency egress (unknown if releasable from inside). The roof shows obvious aging and should be closely evaluated. Driveway/walkway trip hazards, overgrown landscaping and debris are easy-to-fix but must be addressed prior to inspection. Without interior/system verification (smoke/CO detectors, GFCIs, HVAC operation, water heater and electrical panel condition) the property is estimated to require moderate repairs and system checks — likely 30–60 days of work to achieve a reliable NSPIRE pass if interior systems are typical for a home this age.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Exterior photos show an intact brick veneer, functioning garage doors and generally complete trim, but clear deferred maintenance: leaf/debris accumulation across walkways and yard, cracking and patched areas in the driveway, overgrown planting beds, and evidence of roof wear (dark staining/granule loss). No interior photos to confirm flooring, cabinets, or appliances; listing does not state recent renovations. Missing appliance condition is unknown and therefore not heavily penalized, but overall visible cosmetic and mid-level repair needs suggest moderate prep work prior to renting."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 55.0,
"rationale": "No interior photos to confirm required items (smoke/CO detectors, GFCIs, electrical panel condition). Exterior shows window security/burglar bars on many windows; if not releasable from inside they may block emergency egress and cause an automatic NSPIRE failure for bedrooms. Walkway and driveway have trip hazards from cracking and leaf cover. Roof debris and overhanging trees increase risk of water intrusion. No obvious exposed wiring or collapsed elements visible, but lack of visible safety devices and potentially noncompliant window security are moderate-to-high inspection risks."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 50.0,
"rationale": "Photos show an aged roof with staining and patchy granule loss; roof life likely shortened and replacement or close evaluation needed. No HVAC units, water heater, or electrical panel are visible in the photos; given the 1972 build date and showing signs of exterior aging, major systems should be assumed original or aged and likely require service or replacement. Garage and exterior lighting appear intact but condition of heating/cooling, plumbing, and electrical systems cannot be confirmed and therefore lower the score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Large, usable yard and intact brick exterior are positives. However driveway/paved areas show cracking and patching; front walkway has a step and is covered in leaves (slip/trip concern). Shrubs are overgrown against walls (risk for moisture/termite access). Rear patio area shows neglect and scattered debris. No obvious major foundation cracks, visible sagging, or standing water in provided images."
}
],
"red_flags": [
"Window security/burglar bars on multiple windows that may block emergency egress if not releasable from inside",
"Roof shows staining and granule loss indicating advanced aging; potential need for replacement or major repair",
"Cracked/uneven driveway and walkways with heavy leaf/debris cover — trip/slip hazards and inspection failure potential if not cleared/repaired",
"Overhanging trees and accumulated roof debris increasing risk of water intrusion and roof/gutter failure",
"No interior/system verification (smoke/CO detectors, HVAC, electrical panel) — unknowns that could become inspection failures"
],
"confidence": 0.65,
"assumptions": [
"Interior photos and system tests were not provided; assume interior fixtures (smoke detectors, CO alarms, GFCI outlets) are either missing or their status is unknown.",
"Window security/burglar bars pictured are assumed to be fixed (not quick-release) unless otherwise documented; this increases egress risk.",
"Central HVAC, water heater and electrical panel exist but are original or aged given 1972 build date; assume they may need servicing or replacement.",
"No visible roof collapse or major structural sagging was observed; roof shows wear but not obvious catastrophic failure in supplied photos.",
"Appliance presence (stove, refrigerator) and interior cosmetic condition are unknown; lack of this information reduces confidence but does not heavily reduce score absent other failures."
],
"overall_score": 59.0,
"rubric_version": "nsPIRE-v1-2026"
},
{
"summary": "Based on exterior photos and listing data, this 4-bed/3-bath brick ranch is moderately ready for Section 8 tenancy but will likely require several inspections-focused fixes. Major structural failure is not evident; primary concerns are roof age/condition, potential egress issues from barred windows, and trip hazards on the driveway/walkway. Interior items required for NSPIRE (smoke/CO detectors, GFCI, functioning plumbing/HVAC, accessible egress) were not visible and will need verification and likely minor work. Estimated time to reach passable condition: 2–6 weeks if mechanical systems are operational; longer if roof/HVAC need replacement.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show a generally intact brick ranch with solid curb appeal but clear deferred maintenance: roof staining/algae and aged shingles, cracked/spalled driveway and sidewalk with leaf/debris accumulation, overgrown shrubs and yard debris, exterior trim and gutters not clearly maintained. No obvious collapsed or severely damaged areas. Missing interior photos prevent assessment of flooring/cabinets/appliances; exterior condition suggests mostly minor-to-moderate cosmetic and capital repairs rather than major structural rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Visible safety risks include window security bars on main windows which may impede bedroom egress unless they have quick-release hardware (not shown) and a front walkway/step and cracked driveway that create trip hazards. No interior photos to verify required smoke/CO detectors, GFCI protection, exposed wiring, or electrical panel condition. Roof shows heavy organic staining and debris under tree canopy — potential for leaks if shingles are deteriorated. Because several NSPIRE items cannot be verified from exterior photos, assign moderate risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "No mechanical systems (HVAC condenser, water heater, electrical panel) are visible in the listing photos. Given the 1972 build date and exterior roof wear, systems may be original or aged. Garage and chimney appear intact. With no evidence of active roof collapse, standing water, or exterior rust/major failure, assign a middle score reflecting likely functional systems but probable near-term repairs or replacement (especially roof and possibly HVAC)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large, usable yard and attached three-car garage are positives. Landscaping is neglected with leaf accumulation; driveway and concrete surfaces show cracking and spalling that present trip hazards. Foundation and walls appear straight with no visible major cracks or settling in photos. Trees overhang the roof which increases maintenance risk but yard and site are otherwise serviceable."
}
],
"red_flags": [
"Window security bars on main windows that may impede emergency egress (potential NSPIRE fail if not quick-release).",
"Roof shows heavy staining, organic growth and visible wear — likely near end-of-life and could cause leaks if not addressed.",
"Front walkway/driveway concrete cracking and spalling creating trip hazards that should be repaired prior to inspection."
],
"confidence": 0.6,
"assumptions": [
"Assessment is based solely on exterior photos and listing description; no interior photos or system reports were provided.",
"Interior smoke and carbon monoxide detectors, GFCI outlets, electrical panel condition, plumbing, hot water and HVAC operational status are unknown and assumed 'not verified'.",
"Window security bars are present on primary windows; it is unknown if they have quick-release mechanisms for emergency egress. Assessed as potential egress risk.",
"Roof shows heavy staining and organic debris; assumed to be aged and nearing end of service life but not actively collapsed.",
"No visible standing water, major foundation cracks, or collapsed ceilings were observed; assume no active severe structural movement apparent from exterior views.",
"Appliances, flooring, interior finishes and accessibility features are unknown; missing appliances would be a moderate adjustment but not a fatal inspection item by themselves."
],
"overall_score": 64.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "This is an older, large brick ranch in generally serviceable condition with mostly cosmetic and age-related exterior maintenance items. Primary inspection risk is the presence of security bars on multiple windows (potential egress failure) plus unknown interior safety items (smoke/CO detectors, GFCI receptacles) and unverified mechanical systems (HVAC, water heater, electrical). With targeted fixes — confirm/replace or retrofit quick-release window guards, install/verify detectors, address sidewalk trip hazard, clean/repair roof and driveway, and confirm HVAC/plumbing/electrical function — the property is likely passable for a Housing Choice Voucher inspection within 30–60 days. If window bars cannot be made egress-compliant or major mechanical failures are present internally, the property would fail until corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 70.0,
"rationale": "Property exterior shows typical age-related wear but no evidence of catastrophic failure. Visible issues: algae/staining and debris accumulation on roof, cracked and patched driveway, leaf/yard debris, overgrown foundation plantings, and some uneven sidewalk edges. Brick exterior and garage doors appear intact. These are mostly cosmetic or moderate maintenance items and are easy-to-fix or capital-repair items (roof cleaning/spot shingle replacement, driveway patching/resurfacing, landscaping, sidewalk leveling). Missing interior photos prevent confirmation of appliances and interior finishes; absent appliances would moderately reduce readiness but are not evident in exterior photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 45.0,
"rationale": "Observed safety concerns that could cause an inspection failure: multiple front windows have security bars which may prevent required bedroom/egress escape unless they have UL-listed quick-release mechanisms (not visible in photos) — this is a likely NSPIRE egress risk. The walkway has an uneven step/edge and leaf accumulation creating a trip hazard. No smoke/CO detectors are visible (interior not provided). No exposed live wiring or collapsed structures observed. If window bars are non-compliant or there are no functioning detectors, the unit would fail inspection. Other items (security door, intact garage doors) are positive but do not overcome egress/detector concerns."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 55.0,
"rationale": "Major systems cannot be fully assessed from exterior photos. Roof appears aged with biological staining and leaf buildup in valleys — likely near mid-to-end of service life and may need shingle replacement within a few years. No exterior A/C condenser or heating equipment is visible in the provided angles (may be elsewhere). Electrical panel, water heater, and plumbing fixtures are not shown and therefore unknown. Garage doors appear intact. Given age (built 1972) assume systems are older and would require testing and likely some service; no visible active leaks or failed systems from photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 65.0,
"rationale": "Brick veneer and trim appear generally sound with no visible major foundation settlement or wall bowing. Large yard is overgrown with leaves and has scattered debris; rear patio area needs cleanup. Driveway and parking area show cracking and surface wear. Gutters/eaves not clearly shown; downspout locations unclear. Overall exterior is typical for an older well-located ranch home — maintain/cleaning and some surface repairs expected but no immediate structural distress visible."
}
],
"red_flags": [
"Window security bars on front windows — likely restrict emergency egress unless equipped with quick-release mechanisms (common cause of inspection failure).",
"Uneven/stepped walkway and accumulated leaves creating a trip hazard at main path to front entrance.",
"Roof shows heavy staining/organic buildup in valleys and debris accumulation — may indicate deferred maintenance and could mask shingle deterioration."
],
"confidence": 0.65,
"assumptions": [
"Interior photos and system reports were not provided; assume interior has typical finish-level wear for a 1972 house unless otherwise noted.",
"Window security bars shown do not display quick-release hardware in exterior photos; assume they are likely fixed unless seller provides release mechanism.",
"No active interior water stains, collapsed ceilings, or standing water exist since not visible externally; assume no major hidden structural failure unless revealed during interior inspection.",
"HVAC, water heater and electrical panel exist but their condition/age/performance are unknown; assume older original/replacement equipment consistent with a 1972 build and will require testing.",
"Appliances (stove, refrigerator) are not visible in listing/exterior photos; assume they may be missing or in unknown condition — this reduces turnkey readiness but not treated as immediate safety failure.",
"Smoke and CO detectors, GFCI protection and electrical panel labeling are unknown and must be verified during interior inspection."
],
"overall_score": 59.0,
"rubric_version": "nsPIRE-v1-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "980 Royal Oak Dr, Jackson, MS, 39209",
"aggregate": {
"summary": "Based on available exterior photos and the listing, this 1972 brick ranch presents as a solid candidate structurally but with visible deferred maintenance and aging systems. The most serious inspection risk is the presence of window security/burglar bars that may obstruct emergency egress (unknown if releasable from inside). The roof shows obvious aging and should be closely evaluated. Driveway/walkway trip hazards, overgrown landscaping and debris are easy-to-fix but must be addressed prior to inspection. Without interior/system verification (smoke/CO detectors, GFCIs, HVAC operation, water heater and electrical panel condition) the property is estimated to require moderate repairs and system checks — likely 30–60 days of work to achieve a reliable NSPIRE pass if interior systems are typical for a home this age.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.3,
"rationale": "Exterior photos show an intact brick veneer, functioning garage doors and generally complete trim, but clear deferred maintenance: leaf/debris accumulation across walkways and yard, cracking and patched areas in the driveway, overgrown planting beds, and evidence of roof wear (dark staining/granule loss). No interior photos to confirm flooring, cabinets, or appliances; listing does not state recent renovations. Missing appliance condition is unknown and therefore not heavily penalized, but overall visible cosmetic and mid-level repair needs suggest moderate prep work prior to renting."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Large, usable yard and intact brick exterior are positives. However driveway/paved areas show cracking and patching; front walkway has a step and is covered in leaves (slip/trip concern). Shrubs are overgrown against walls (risk for moisture/termite access). Rear patio area shows neglect and scattered debris. No obvious major foundation cracks, visible sagging, or standing water in provided images."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 51.7,
"rationale": "No interior photos to confirm required items (smoke/CO detectors, GFCIs, electrical panel condition). Exterior shows window security/burglar bars on many windows; if not releasable from inside they may block emergency egress and cause an automatic NSPIRE failure for bedrooms. Walkway and driveway have trip hazards from cracking and leaf cover. Roof debris and overhanging trees increase risk of water intrusion. No obvious exposed wiring or collapsed elements visible, but lack of visible safety devices and potentially noncompliant window security are moderate-to-high inspection risks."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 55.0,
"rationale": "Photos show an aged roof with staining and patchy granule loss; roof life likely shortened and replacement or close evaluation needed. No HVAC units, water heater, or electrical panel are visible in the photos; given the 1972 build date and showing signs of exterior aging, major systems should be assumed original or aged and likely require service or replacement. Garage and exterior lighting appear intact but condition of heating/cooling, plumbing, and electrical systems cannot be confirmed and therefore lower the score."
}
],
"red_flags": [
"Window security/burglar bars on multiple windows that may block emergency egress if not releasable from inside",
"Roof shows staining and granule loss indicating advanced aging; potential need for replacement or major repair",
"Cracked/uneven driveway and walkways with heavy leaf/debris cover — trip/slip hazards and inspection failure potential if not cleared/repaired",
"Overhanging trees and accumulated roof debris increasing risk of water intrusion and roof/gutter failure",
"No interior/system verification (smoke/CO detectors, HVAC, electrical panel) — unknowns that could become inspection failures"
],
"confidence": 0.88,
"assumptions": [
"Interior photos and system tests were not provided; assume interior fixtures (smoke detectors, CO alarms, GFCI outlets) are either missing or their status is unknown.",
"Window security/burglar bars pictured are assumed to be fixed (not quick-release) unless otherwise documented; this increases egress risk.",
"Central HVAC, water heater and electrical panel exist but are original or aged given 1972 build date; assume they may need servicing or replacement.",
"No visible roof collapse or major structural sagging was observed; roof shows wear but not obvious catastrophic failure in supplied photos.",
"Appliance presence (stove, refrigerator) and interior cosmetic condition are unknown; lack of this information reduces confidence but does not heavily reduce score absent other failures."
],
"score_method": "mean_of_criteria",
"overall_score": 60.6,
"rubric_version": "nsPIRE-v1-2026",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8461500476"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.