Property ID: 8518568269
1325 Fourth Ave, Jackson, MS, 39203
Jackson, MS
Money Down: $17,760
CoC Return: 16.89%
Monthly Cash Flow: $250
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$14,800
Closing Costs
$2,960
Total Down
$17,760
Investment Snapshot
Purchase Price
$74,000
Money Down
$17,760
Cash-on-Cash Return
16.89%
Rent
$800
Monthly Cash Flow
$250
Annual Cash Flow
$2,999
Debt Service / Mo
$394
Property Tax / Mo
$48
Insurance / Mo
$28
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$800
Payment Standard
$1,090
Rent
$800
Insurance
$28
Property Tax
$48
Management
$80
Utilities Allowance
$290
NOI (Monthly)
$644
Debt Service
$394
Cash Flow After Debt
$250
Quality Score: 67.80%
Confidence: 89.00%
This 2-bed/2-bath tenant-occupied cottage appears cosmetically updated inside and is likely close to Section 8 rent-ready, but several safety and systems items are not verifiable from photos. Expect a likely pass if on-site inspection confirms working smoke and CO detectors, an operational heating system, functioning water heater, and GFCI protection in kitchen/baths. Key items to verify and potentially remediate before a voucher inspection: confirm presence/operation of smoke/CO alarms, verify heating/HVAC and hot water, confirm electrical panel condition and GFCI outlets, and repair/secure front entry/stairs and cracked walkway. Roof condition should be inspected; some roof maintenance may be required. Overall this property rates as minor-to-moderate risk with likely rent-readiness within 2–4 weeks pending verification and minor fixes.
Section 8 Payment Standard
$1,090
Utility Allowance Total
$290
Guaranteed Section 8 Rent (PS - Utilities)
$800
Property Management
$80
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$74,000
Beds
2
Baths
2
Living Area
1,222 sqft
Lot Size
6,098 sqft
Year Built
1946
Days on Market
304
Capital Outlay
$17,760
Debt Service
$394
Property Tax / Mo
$48
Insurance / Mo
$28
Property Description
Turnkey Investment Opportunity - Income-Producing Property! This well-maintained 2-bedroom, 2-bathroom home is a great addition to any investment portfolio. Currently tenant-occupied and generating steady rental income, this property offers immediate cash flow and long-term value. Inside, you'll find a functional layout with two spacious bedrooms, each with convenient access to a full bathroom-ideal for tenant comfort and retention. The property is located in a desirable area with strong rental demand, making it a reliable and low-maintenance investment. Highlights: Tenant in place - income from day one Two full bathrooms for added tenant appeal Great location with consistent rental demand Whether you're expanding your portfolio or just getting started, this property offers the perfect opportunity for passive income. Schedule a private tour today!
Utility Allowances
Heating
$17
Property details lack a specific fuel type. Inferred Natural Gas based on common availability and explicit mention in nearby comparable properties.
Cooking
$6
Property details lack a specific fuel type. Inferred Natural Gas for consistency with the heating fuel choice.
Water Heating
$15
Property details lack a specific fuel type. Inferred Natural Gas for consistency with the heating fuel choice.
Water
$93
Property details explicitly state 'Water Source: Public'.
Sewer
$49
Property details explicitly state 'Sewer: Public Sewer'.
Trash Collection
$37
Included as a standard utility for a single-family home.
Air Conditioning
$10
Included as a standard utility for a home in this climate.
Other Electric
$56
Included as a baseline for any electrified residence for lighting and miscellaneous appliances.
Refrigerator
$4
Assumed to be tenant-provided as it is not explicitly mentioned in the property information.
Range/Microwave
$3
Assumed to be tenant-provided as they are not explicitly mentioned in the property information.
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$259
DP3 Annual Estimate$415
DP1 Monthly Equivalent$22
DP3 Monthly Equivalent$35
Replacement Value$12,850
Basis1,222 sqft / 1946
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Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarm(s) in interior photos — must be verified and likely installed/operational prior to inspection.
- No visible heating system, HVAC registers, or furnace in photos — verify working heating; absence would be a fail.
- Roof shows visible aging/discoloration and possible shingle wear — potential near-term roof repair risk.
- Front pathway and small stoop show cracking and lack of visible handrail at entry — trip/egress hazard and should be addressed if riser/height requires a rail.
- Key safety items (GFCI outlets in kitchen/baths, electrical panel condition) are not shown and therefore are unknown risks that can cause inspection failure.
Assumptions
- Property is tenant-occupied as stated; some appliances (stove/fridge) may be present but not shown in listing photos.
- Utilities (electricity and water) are active for the pictures and tenant occupancy.
- Windows shown in bedrooms meet egress dimensions required by NSPIRE (large single/double-hung windows visible).
- No visible mold, significant rot, or major structural movement exists beyond what is shown in photos.
- Electrical panel, water heater and furnace/heat source exist elsewhere in the house but were not visible in the provided images and require on-site verification.
- Photos are recent and representative of current condition (no substantial unshown damage).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $561 | $19,350 | $2,903 |
| 2023 | $558 | $19,350 | $2,903 |
| 2021 | $558 | $19,350 | $2,903 |
| 2020 | $544 | $18,980 | $2,847 |
| 2019 | $545 | $18,980 | $2,847 |
| 2018 | $539 | $18,980 | $2,847 |
| 2017 | $539 | $18,980 | $2,847 |
| 2016 | $525 | $18,980 | $2,847 |
| 2015 | $515 | $19,180 | $2,877 |
| 2014 | $514 | $19,180 | $2,877 |
| 2013 | $500 | $19,180 | $2,877 |
| 2012 | $500 | $19,180 | $2,877 |
| 2011 | $463 | $18,030 | $2,705 |
| 2010 | $460 | $18,030 | $2,705 |
| 2009 | $460 | $18,030 | $2,705 |
| 2008 | $460 | $16,200 | $2,430 |
| 2007 | $418 | $16,200 | $2,430 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-20 | Price Changed | $74,000 |
| 2025-04-18 | Listed | $75,000 |
Photo Gallery
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"year": 2008,
"market": {
"land": 6000,
"total": 16200,
"building": 10200
},
"assessment": {
"land": 900,
"total": 2430,
"building": 1530
}
},
{
"tax": 418,
"year": 2007,
"market": {
"land": 6000,
"total": 16200,
"building": 10200
},
"assessment": {
"land": 900,
"total": 2430,
"building": 1530
}
}
],
"property_history": [
{
"date": "2025-10-20",
"price": 74000,
"listing": {
"status": "for_sale",
"list_date": "2025-04-18T12:54:44Z",
"list_price": 74000,
"listing_id": "2980725829",
"last_update_date": "2025-10-31T21:22:26Z",
"last_status_change_date": "2025-04-18T12:54:44Z"
},
"event_name": "Price Changed",
"price_sqft": 60.55646481178396,
"source_name": "MLSUnited",
"price_change": -1000,
"days_after_listed": null,
"source_listing_id": "4110529",
"price_change_percentage": null
},
{
"date": "2025-04-18",
"price": 75000,
"listing": {
"status": "for_sale",
"list_date": "2025-04-18T12:54:44Z",
"list_price": 74000,
"listing_id": "2980725829",
"last_update_date": "2025-10-31T21:22:26Z",
"last_status_change_date": "2025-04-18T12:54:44Z"
},
"event_name": "Listed",
"price_sqft": 61.37479541734861,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4110529",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8518568269",
"generated_at": "2026-02-16T22:51:17.793139Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.8
},
"utility_allowance": {
"zip_code": "39203",
"home_photo": "https://ap.rdcpix.com/2cc6a2c9642a9a0aab080b4b47ca0ed4l-m2686091400s-w1280.jpg",
"rent_price": 800.0,
"loan_amount": 59200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1325-Fourth-Ave_Jackson_MS_39203_M85185-68269",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 74000.0,
"loan_term_years": 30,
"annual_cash_flow": 7725.17,
"mortgage_monthly": 393.86,
"payment_standard": 1090.0,
"total_amount_out": 14800.0,
"additional_photos": [
"https://ap.rdcpix.com/2cc6a2c9642a9a0aab080b4b47ca0ed4l-m4152496078s-w1280.jpg",
"https://ap.rdcpix.com/2cc6a2c9642a9a0aab080b4b47ca0ed4l-m3032021775s-w1280.jpg",
"https://ap.rdcpix.com/2cc6a2c9642a9a0aab080b4b47ca0ed4l-m2889321472s-w1280.jpg",
"https://ap.rdcpix.com/2cc6a2c9642a9a0aab080b4b47ca0ed4l-m4202856353s-w1280.jpg",
"https://ap.rdcpix.com/2cc6a2c9642a9a0aab080b4b47ca0ed4l-m4080489081s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 28.08,
"monthly_cash_flow": 643.76,
"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": "Property details lack a specific fuel type. Inferred Natural Gas based on common availability and explicit mention in nearby comparable properties.",
"utility": "Heating",
"allowance": 17
},
{
"note": "Property details lack a specific fuel type. Inferred Natural Gas for consistency with the heating fuel choice.",
"utility": "Cooking",
"allowance": 6
},
{
"note": "Property details lack a specific fuel type. Inferred Natural Gas for consistency with the heating fuel choice.",
"utility": "Water Heating",
"allowance": 15
},
{
"note": "Property details explicitly state 'Water Source: Public'.",
"utility": "Water",
"allowance": 93
},
{
"note": "Property details explicitly state 'Sewer: Public Sewer'.",
"utility": "Sewer",
"allowance": 49
},
{
"note": "Included as a standard utility for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Included as a standard utility for a home in this climate.",
"utility": "Air Conditioning",
"allowance": 10
},
{
"note": "Included as a baseline for any electrified residence for lighting and miscellaneous appliances.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Assumed to be tenant-provided as it is not explicitly mentioned in the property information.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Assumed to be tenant-provided as they are not explicitly mentioned in the property information.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 14800.0,
"property_tax_annual": 577.83,
"property_tax_monthly": 48.15,
"property_tax_increase": 0.03,
"utility_allowance_total": 290.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2998.86,
"property_management_monthly": 80.0,
"monthly_cash_flow_after_debt": 249.91,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "This 2-bed/2-bath tenant-occupied cottage appears cosmetically updated inside and is likely close to Section 8 rent-ready, but several safety and systems items are not verifiable from photos. Expect a likely pass if on-site inspection confirms working smoke and CO detectors, an operational heating system, functioning water heater, and GFCI protection in kitchen/baths. Key items to verify and potentially remediate before a voucher inspection: confirm presence/operation of smoke/CO alarms, verify heating/HVAC and hot water, confirm electrical panel condition and GFCI outlets, and repair/secure front entry/stairs and cracked walkway. Roof condition should be inspected; some roof maintenance may be required. Overall this property rates as minor-to-moderate risk with likely rent-readiness within 2–4 weeks pending verification and minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking vinyl plank flooring, fresh paint, modern bathroom vanities and tub surround, intact trim and closet shelving. Cabinets installed in kitchen. No visible collapsed ceilings, torn flooring, or major drywall damage. Listing indicates tenant-occupied. Missing/not-shown items: stove and refrigerator are not visible in photos (tenant may supply). Exterior walkway shows cracking and yard is bare. Overall mostly cosmetic and finish-level items; missing appliances or minor exterior repairs would be easy-to-fix capital items."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Photos do not clearly show required safety items: no visible smoke alarm(s) or carbon monoxide detector(s) in interior pictures; GFCI receptacles near kitchen/bath not visible. Entry door deadbolt not visible from exterior photo. Windows in bedrooms appear adequate for egress. No exposed wiring or obvious water intrusion seen. Front stoop/entry lacks a visible handrail (needs verification against riser count). Because smoke/CO/GFCI/locking hardware cannot be confirmed from photos, there is moderate NSPIRE risk pre-inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 55.0,
"rationale": "Plumbing fixtures (toilets, sinks, tub) appear intact and modern in photos. No visible active leaks or water stains. Roof shows discoloration and signs of aging from exterior photo (dark staining, possible missing/shifting shingles) which may indicate limited remaining life and potential near-term repair. No heating system, HVAC registers, or water heater are visible in the provided images. Electrical panel location and condition are not shown. Because key systems (heating/HVAC, water heater, electrical panel) are not verifiable, score reflects moderate risk that will require on-site verification or service."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Siding appears intact and painted; foundation vents visible and seem functional. Front walkway is cracked and yard is unmaintained (bare soil/leaves) which is a trip/curb appeal issue but not an automatic fail. Roof shows noticeable wear/staining and should be inspected. No visible standing water, major foundation cracks, or collapsed exterior elements in photos. Mailbox leans; driveway/pad has surface cracking. Exterior condition is fair with some maintenance items needed."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm(s) in interior photos — must be verified and likely installed/operational prior to inspection.",
"No visible heating system, HVAC registers, or furnace in photos — verify working heating; absence would be a fail.",
"Roof shows visible aging/discoloration and possible shingle wear — potential near-term roof repair risk.",
"Front pathway and small stoop show cracking and lack of visible handrail at entry — trip/egress hazard and should be addressed if riser/height requires a rail.",
"Key safety items (GFCI outlets in kitchen/baths, electrical panel condition) are not shown and therefore are unknown risks that can cause inspection failure."
],
"confidence": 0.6,
"assumptions": [
"Property is tenant-occupied as stated; some appliances (stove/fridge) may be present but not shown in listing photos.",
"Utilities (electricity and water) are active for the pictures and tenant occupancy.",
"Windows shown in bedrooms meet egress dimensions required by NSPIRE (large single/double-hung windows visible).",
"No visible mold, significant rot, or major structural movement exists beyond what is shown in photos.",
"Electrical panel, water heater and furnace/heat source exist elsewhere in the house but were not visible in the provided images and require on-site verification.",
"Photos are recent and representative of current condition (no substantial unshown damage)."
],
"overall_score": 65.0,
"rubric_version": "2026-02-hud-nspire-v1"
},
{
"summary": "Property appears cosmetically updated inside and largely rent-ready; tenant-occupied unit with functioning fixtures and newly finished floors. Main inspection risks are unknowns: presence and placement of smoke/CO detectors and GFCI outlets, condition and remaining life of HVAC, water heater, electrical panel, and roof age. No visible life-threatening hazards (sagging, collapsed ceilings, standing water) in photos. Likely passes an initial HCV/NSPIRE inspection with minor fixes (install/verify detectors, GFCIs, verify egress, provide/verify stove & refrigerator if owner responsibility) but budget for mechanical and roof verification before closing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 76.0,
"rationale": "Interior photos show recent cosmetic rehab: new-looking vinyl plank flooring, fresh paint, intact trim and cabinetry. Bathrooms and kitchen fixtures appear functional and clean. Missing visible range/refrigerator in photos (tenant-occupied status may mean appliances are tenant-supplied). Exterior shows worn yard and cracked concrete path. Overall mostly cosmetic items and probable minor touch-ups; no widespread deferred interior maintenance visible."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 70.0,
"rationale": "No obvious exposed wiring, collapsed ceilings, or visible mold in photos. Windows are present in bedrooms but exact egress measurements not verifiable from photos. No clear view of smoke/CO detectors or GFCI outlets; front door hardware and deadbolt not clearly visible. Bathrooms and kitchen fixtures appear intact. Because detectors and GFCI locations are not shown, there is moderate NSPIRE risk that small safety items may be missing; none of the life-threatening hazards listed (active leaks, sagging, collapsed ceilings, exposed subfloor) are apparent in images."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Photos do not show HVAC equipment, water heater, or electrical panel. Interior electrical appears functional (lighting, ceiling fan), plumbing fixtures present and appear intact. Roof shows age and visual wear in exterior photo; no obvious sagging or active leaks visible inside. Given the house age (1946) and lack of photos of major mechanical components, there is moderate risk of near-term system maintenance or replacement (HVAC, water heater, roof) although no catastrophic failure is visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 68.0,
"rationale": "Exterior siding and trim appear painted and intact; foundation vents visible and the grade appears flat. Roof shingles show discoloration/age but no obvious sagging. Front concrete path is cracked and yard maintenance is minimal. No visible standing water, no visible infestation, and porch/steps appear serviceable. Overall sound but showing some deferred exterior maintenance and a roof that may be near the end of expected life."
}
],
"red_flags": [
"Potential lead-based paint risk (house built 1946, pre-1978) - requires disclosure and possible mitigation for families with young children.",
"Roof shows visible aging and wear in exterior photo and may be near end-of-life; recommend roof evaluation.",
"Smoke/CO detectors and GFCI outlet placement not visible in photos — common NSPIRE failure points that must be verified/installed."
],
"confidence": 0.65,
"assumptions": [
"Property is currently tenant-occupied as stated in listing; utilities were on for photos or photos staged.",
"Smoke detectors, carbon monoxide detectors, and GFCI outlets are not clearly visible in photos; assume they may be missing or not in required locations and will need verification.",
"Major mechanical units (furnace/AC, water heater, electrical panel) exist but were not photographed; assume operational but nearing mid-to-late service life given house age (1946).",
"Missing kitchen appliances in photos (stove, refrigerator) are tenant-supplied or removed for listing; absence reduces condition score moderately but is not treated as a safety failure.",
"Bedroom windows visible provide standard egress for typical 1940s cottage layout but exact sill heights/opening sizes unknown and should be measured.",
"No active interior roof leaks, severe mold, or structural movement are present based on visible photos; however hidden issues cannot be ruled out."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on listing photos and description, this 2-bed/2-bath single-family looks cosmetically renovated and largely rent-ready. Main concerns for an initial Section 8/NSPIRE inspection are verification of functioning HVAC/heating, presence and correct placement of smoke (and CO if required) detectors, GFCI protection in kitchen/bath, and the presence/connection of kitchen appliances. Exterior/roof show age but no obvious structural failure. With confirmation of working mechanical systems, installation/verification of detectors, and provision of a stove/refrigerator (if not currently present), the unit is likely to pass NSPIRE after minor fixes and documentation — estimated rent-ready timeline 1–4 weeks depending on systems verification and appliance provisioning.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show recent cosmetic renovation: new-looking vinyl plank flooring, fresh paint, updated bathroom vanities and tub surround, functioning fixtures and ceiling finishes intact. Cabinets are basic but serviceable. Exterior shows minor deferred maintenance — cracked front walkway, leaf litter/yard cleanup needed. Kitchen photos do not show a range or refrigerator; missing appliances reduce readiness but are an easily corrected capital expense. No visible collapsed ceilings, exposed subfloor, or severe interior damage. Overall condition is good with mostly cosmetic/finish items to address."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 68.0,
"rationale": "No visible exposed wiring, ceiling integrity appears solid, bathrooms and kitchen fixtures appear to function and are intact. Bedroom windows appear to provide egress. Front entry has two small steps with no handrail (low riser count likely acceptable). Photos do not clearly show smoke detectors in sleeping areas or hallways; a small round ceiling device is visible in one interior photo but its function is not confirmed. GFCI presence in kitchen/bath is not visible. Deadbolt on exterior door is not clearly visible. No visible mold, active water intrusion, or major trip hazards. Because critical safety items (smoke/CO detectors, GFCI, deadbolt) are not verifiable from available photos, there is moderate NSPIRE risk until those are confirmed."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 60.0,
"rationale": "Photos do not show HVAC equipment, thermostat, furnace, or heat registers — only a bedroom ceiling fan is visible. Water fixtures and tub appear intact but water heater and plumbing risers are not shown. Electrical panel is not pictured. Roof shingles look aged but not visibly failed in the photos; no obvious sagging or active leaks are visible inside. Because major systems (heating/cooling, electrical panel, water heater) are not documented in the images, this is a moderate systems risk — these items must be verified operational prior to an NSPIRE inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior siding and foundation vents appear intact; house sits on raised piers with visible crawlspace vents. Roof shows signs of age (discoloration/staining) but no obvious collapse or major missing shingles in shown angle. Front walkway is cracked and yard is unkempt (leaf/debris). No visible standing water or severe grading issues in provided photo. Steps to entry have low rise and lack a handrail but are likely acceptable given few risers. Overall exterior is serviceable but shows moderate deferred maintenance and an aging roof that should be inspected."
}
],
"red_flags": [
"No visible heating/HVAC equipment in photos — verify operational heating and cooling (major NSPIRE requirement).",
"No clear evidence of properly located smoke detectors (and CO detectors if required) in sleeping areas and on each level — must be confirmed or installed.",
"GFCI protection in kitchen/bath not visible — verify and install if missing.",
"Roof shows age/discoloration; while not visibly failed in photos, roof condition should be inspected for near-term replacement risk.",
"Kitchen appliances (stove/refrigerator) not shown — if absent they must be provided prior to tenant move-in under typical lease expectations."
],
"confidence": 0.65,
"assumptions": [
"Interior photos are representative of the whole unit (no unseen areas with severe damage).",
"Listing statement 'tenant-occupied' is accurate, but structured rental-history records were not provided and thus rental_history_activity is excluded from weighting.",
"Major systems (water heater, electrical panel, and HVAC) exist in the unit but were not shown in photos — their operational status is unverified.",
"Smoke detectors and CO detectors are not reliably identified in photos; assume they may be missing or not properly located until confirmed.",
"Kitchen appliances (range/refrigerator) are not visible in photos and assumed missing or not included in images; their absence reduces readiness but is a moderate/repair-level issue.",
"No active roof leaks or interior water stains exist beyond what is shown in photos; roof appears aged but not failed."
],
"overall_score": 70.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1325 Fourth Ave, Jackson, MS, 39203",
"aggregate": {
"summary": "This 2-bed/2-bath tenant-occupied cottage appears cosmetically updated inside and is likely close to Section 8 rent-ready, but several safety and systems items are not verifiable from photos. Expect a likely pass if on-site inspection confirms working smoke and CO detectors, an operational heating system, functioning water heater, and GFCI protection in kitchen/baths. Key items to verify and potentially remediate before a voucher inspection: confirm presence/operation of smoke/CO alarms, verify heating/HVAC and hot water, confirm electrical panel condition and GFCI outlets, and repair/secure front entry/stairs and cracked walkway. Roof condition should be inspected; some roof maintenance may be required. Overall this property rates as minor-to-moderate risk with likely rent-readiness within 2–4 weeks pending verification and minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.3,
"rationale": "Interior photos show recent cosmetic updates: new-looking vinyl plank flooring, fresh paint, modern bathroom vanities and tub surround, intact trim and closet shelving. Cabinets installed in kitchen. No visible collapsed ceilings, torn flooring, or major drywall damage. Listing indicates tenant-occupied. Missing/not-shown items: stove and refrigerator are not visible in photos (tenant may supply). Exterior walkway shows cracking and yard is bare. Overall mostly cosmetic and finish-level items; missing appliances or minor exterior repairs would be easy-to-fix capital items."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 67.7,
"rationale": "Siding appears intact and painted; foundation vents visible and seem functional. Front walkway is cracked and yard is unmaintained (bare soil/leaves) which is a trip/curb appeal issue but not an automatic fail. Roof shows noticeable wear/staining and should be inspected. No visible standing water, major foundation cracks, or collapsed exterior elements in photos. Mailbox leans; driveway/pad has surface cracking. Exterior condition is fair with some maintenance items needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 66.0,
"rationale": "Photos do not clearly show required safety items: no visible smoke alarm(s) or carbon monoxide detector(s) in interior pictures; GFCI receptacles near kitchen/bath not visible. Entry door deadbolt not visible from exterior photo. Windows in bedrooms appear adequate for egress. No exposed wiring or obvious water intrusion seen. Front stoop/entry lacks a visible handrail (needs verification against riser count). Because smoke/CO/GFCI/locking hardware cannot be confirmed from photos, there is moderate NSPIRE risk pre-inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 58.3,
"rationale": "Plumbing fixtures (toilets, sinks, tub) appear intact and modern in photos. No visible active leaks or water stains. Roof shows discoloration and signs of aging from exterior photo (dark staining, possible missing/shifting shingles) which may indicate limited remaining life and potential near-term repair. No heating system, HVAC registers, or water heater are visible in the provided images. Electrical panel location and condition are not shown. Because key systems (heating/HVAC, water heater, electrical panel) are not verifiable, score reflects moderate risk that will require on-site verification or service."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm(s) in interior photos — must be verified and likely installed/operational prior to inspection.",
"No visible heating system, HVAC registers, or furnace in photos — verify working heating; absence would be a fail.",
"Roof shows visible aging/discoloration and possible shingle wear — potential near-term roof repair risk.",
"Front pathway and small stoop show cracking and lack of visible handrail at entry — trip/egress hazard and should be addressed if riser/height requires a rail.",
"Key safety items (GFCI outlets in kitchen/baths, electrical panel condition) are not shown and therefore are unknown risks that can cause inspection failure."
],
"confidence": 0.89,
"assumptions": [
"Property is tenant-occupied as stated; some appliances (stove/fridge) may be present but not shown in listing photos.",
"Utilities (electricity and water) are active for the pictures and tenant occupancy.",
"Windows shown in bedrooms meet egress dimensions required by NSPIRE (large single/double-hung windows visible).",
"No visible mold, significant rot, or major structural movement exists beyond what is shown in photos.",
"Electrical panel, water heater and furnace/heat source exist elsewhere in the house but were not visible in the provided images and require on-site verification.",
"Photos are recent and representative of current condition (no substantial unshown damage)."
],
"score_method": "mean_of_criteria",
"overall_score": 67.8,
"rubric_version": "2026-02-hud-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8518568269"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.