Property ID: 8588717997
2703 Miller Ave, Jackson, MS, 39213
Jackson, MS
Money Down: $10,800
CoC Return: 26.12%
Monthly Cash Flow: $235
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$9,000
Closing Costs
$1,800
Total Down
$10,800
Investment Snapshot
Purchase Price
$45,000
Money Down
$10,800
Cash-on-Cash Return
26.12%
Rent
$671
Monthly Cash Flow
$235
Annual Cash Flow
$2,821
Debt Service / Mo
$240
Property Tax / Mo
$90
Insurance / Mo
$39
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$671
Payment Standard
$990
Rent
$671
Insurance
$39
Property Tax
$90
Management
$67
Utilities Allowance
$319
NOI (Monthly)
$475
Debt Service
$240
Cash Flow After Debt
$235
Quality Score: 61.20%
Confidence: 95.00%
Based on exterior photos and listing text, this 1952 brick single-family appears mostly structurally intact and the site is well maintained; primary issues are unknown interior conditions and unverified major systems. Because the property is advertised 'as-is' with no updates, expect interior cosmetic repairs and possible system servicing. From an NSPIRE/Section 8 perspective the property is likely to be rent-ready after minor-to-moderate repairs and verification (smoke/CO detectors, GFCI, egress, HVAC/water heater checks) — estimate: likely passable with repairs within ~30 days if interior systems are functional; overall readiness score 62 (minor repairs required).
Section 8 Payment Standard
$990
Utility Allowance Total
$319
Guaranteed Section 8 Rent (PS - Utilities)
$671
Property Management
$67
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$45,000
Beds
2
Baths
2
Living Area
1,400 sqft
Lot Size
7,405 sqft
Year Built
1952
Days on Market
72
Capital Outlay
$10,800
Debt Service
$240
Property Tax / Mo
$90
Insurance / Mo
$39
Property Description
Opportunity awaits at 2703 Miller Ave! This home, amazing classic, is offering 1,400 sq. ft. of comfortable living space on a generous corner lot. This property is a fantastic option for investors or homebuyers seeking value and long-term potential. The home has a functional floorplan with a spacious living area, well-sized bedrooms, kitchen with dining area and provides a solid foundation for rental income or future improvements. The expansive lot provides ample space for outdoor enjoyment, gardening, or future exterior enhancements. With convenient access to schools, retail, I-220, and city amenities, this location is ideal for maximizing return on investment. All appliances will remain, making this an excellent option for home buyers or investors seeking a promising addition to their portfolio. Home will be sold as-is. No updates have been made, giving buyers the opportunity to customize and modernize according to their vision. Don't miss the chance to own an affordable property with great potential in the heart of city. Schedule your showing today!
Utility Allowances
Air Conditioning
$10
The property includes 'Central Air' cooling, so the allowance for a 2-bedroom unit is applied.
Cooking
$9
The property has 'Natural Gas Available' and 'Electricity Available'. The range fuel is unspecified, so the more expensive electric option ($9) was selected over natural gas ($6).
Heating
$41
The property has 'Central' heating with both natural gas and electricity available. The more expensive electric option ($41) was chosen over natural gas ($17) as the specific fuel type was not provided.
Other Electric
$56
This is a standard allowance for general electricity usage for a 2-bedroom unit.
Sewer
$49
The property is connected to 'Public Sewer' per the listing details.
Trash Collection
$37
This is a standard municipal service allowance for a single-family home.
Water
$93
The property's water source is listed as 'Public'.
Water Heating
$24
The property has a water heater with both natural gas and electricity available. The more expensive electric option ($24) was selected over natural gas ($15) as the fuel was not specified.
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$458
DP3 Annual Estimate$479
DP1 Monthly Equivalent$38
DP3 Monthly Equivalent$40
Replacement Value$31,330
Basis1,400 sqft / 1952
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2728 Idaho St
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Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos and condition not provided; assume interior is dated but intact (no visible structural collapse referenced in listing or photos).
- Listing statement 'all appliances will remain' is accurate (stove, refrigerator, possibly washer/dryer), reducing appliance-related inspection failures.
- Major systems (HVAC, water heater, electrical panel) exist but could be original/older and may require servicing or replacement; absence of an exterior AC condenser in photos does not prove absence.
- No evidence of active roof leaks, collapsed ceilings, or major foundation movement was visible from exterior images; assume none present unless interior/roof inspection reveals otherwise.
- Pre-1978 construction implies possible lead-based paint risk; assume surfaces do not have visible severe peeling outdoors but interior paint condition is unknown.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,052 | $36,280 | $5,443 |
| 2019 | $545 | $35,990 | $3,599 |
| 2018 | $537 | $35,990 | $3,599 |
| 2017 | $537 | $35,990 | $3,599 |
| 2016 | $995 | $35,990 | $5,399 |
| 2015 | $971 | $36,190 | $5,429 |
| 2014 | $970 | $36,190 | $5,429 |
| 2013 | $943 | $36,190 | $5,429 |
| 2012 | $943 | $36,190 | $5,429 |
| 2011 | $871 | $33,910 | $5,087 |
| 2010 | $866 | $33,910 | $5,087 |
| 2009 | $866 | $33,910 | $5,087 |
| 2008 | $866 | $30,120 | $4,518 |
| 2007 | $777 | $30,120 | $4,518 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-07 | Listed | $45,000 |
Photo Gallery
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"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large, level yard appears well-maintained and mowed. Front porch and brick facade appear structurally sound; foundation exposure in photos looks minimal. Some old wooden posts in yard and a neighboring dilapidated structure are present but do not present an immediate hazard on the subject property. Walkways and yard are free of standing water and obvious trip hazards in photos. Landscaping may require routine trimming. Overall exterior/site condition appears good and low risk for an initial inspection."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Interior photos and condition not provided; assume interior is dated but intact (no visible structural collapse referenced in listing or photos).",
"Listing statement 'all appliances will remain' is accurate (stove, refrigerator, possibly washer/dryer), reducing appliance-related inspection failures.",
"Major systems (HVAC, water heater, electrical panel) exist but could be original/older and may require servicing or replacement; absence of an exterior AC condenser in photos does not prove absence.",
"No evidence of active roof leaks, collapsed ceilings, or major foundation movement was visible from exterior images; assume none present unless interior/roof inspection reveals otherwise.",
"Pre-1978 construction implies possible lead-based paint risk; assume surfaces do not have visible severe peeling outdoors but interior paint condition is unknown."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate inspection risk. Exterior and lot are maintained and property appears structurally intact from photos, but the home is sold 'as-is' with no updates and no interior photos provided. Critical NSPIRE items (smoke/CO alarms, interior egress, GFCI, electrical panel condition, HVAC and hot water operation, peeling lead-risk paint) are not documented and will likely require verification and some corrective work before a Housing Choice Voucher initial inspection will pass. Expect moderate repairs and code work; plan for 30–60 days to confirm systems and remediate deficiencies.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 65.0,
"rationale": "Exterior photos show a largely intact brick front, maintained lawn and trimmed shrubs but listing states 'no updates' and 'sold as-is'. Seller notes all appliances remain which reduces penalty for missing appliances. No interior photos provided so interior cosmetic and deferred maintenance are unknown — conservative assumption of some interior cosmetic repairs and older finishes is applied. No evidence of collapsed surfaces or severe visible deterioration from exterior images."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "Photos show no obvious life-threatening hazards (no collapsed ceilings or standing water visible). However critical safety items are not documented: no visible smoke or carbon-monoxide alarms, egress windows and interior stair/handrail conditions are unknown, and lead-paint risk exists because the house was built in 1952. Front porch has low steps without a visible handrail (possible minor code issue). Because required alarms and interior egress cannot be confirmed, this is a moderate inspection risk that will likely require repairs/installation before passing NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 55.0,
"rationale": "Roofline and shingles visible in photos appear intact with no obvious sagging or active leakage visible from exterior photos. No mechanical equipment (HVAC condenser, water heater) or electrical panel are shown; listing notes no updates which implies aging systems. Plumbing, hot water and electrical condition are unknown; because there are no obvious exterior signs of failure but the building is older and unrenovated, assign a moderate score reflecting probable service/maintenance needs."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Lot is large, grass appears maintained, and exterior brick/masonry front looks solid. Yard is free of standing water and large trip hazards in photos. Some older wooden posts and vegetation near the rear and side fence suggest basic upkeep but no major neglect. Driveway/parking not shown; chain-link fence and neighboring properties appear typical for an older urban lot. Overall exterior/site condition is above average for an as-is older property."
}
],
"red_flags": [
"No documented/visible smoke or carbon monoxide alarms — likely NSPIRE failure point",
"Potential lead-based paint risk (built 1952) — may trigger remediation/testing requirements",
"Mechanical system conditions (HVAC, water heater, electrical) undocumented — unknowns that can become inspection failures if nonfunctional"
],
"confidence": 0.6,
"assumptions": [
"Interior condition is not shown; assumed to have typical cosmetic wear for a 1952, 'no updates' house and likely needs cosmetic updates.",
"All major appliances (stove, refrigerator) will remain as the listing states.",
"No smoke or carbon monoxide detectors were visible in exterior photos; assume they are absent or non-compliant until confirmed.",
"HVAC equipment, water heater, and electrical panel are not visible in photos and their operational condition is unknown; assumed to be older and potentially in need of service.",
"Roof appears intact from available angles; no active roof leaks visible in exterior photos.",
"Because the building was built in 1952, lead-based paint and HUD lead-risk requirements are assumed to be relevant and should be evaluated.",
"No rental history in the last 5 years was found so rental_history_activity was excluded from scoring."
],
"overall_score": 60.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and the listing, the property appears structurally intact at the envelope level and the yard is maintained, so it is potentially Section 8 rentable with modest work. Major unknowns are interior condition and mechanical systems (HVAC, water heater, electrical) and safety items required by NSPIRE (smoke/CO detectors, egress compliance, GFCI outlets). Expect mostly cosmetic and systems verification/repairs. With quick remedial actions (installing/confirming detectors, addressing any egress/security-bar issues, and servicing/confirming HVAC/electrical/plumbing), the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. ",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Exterior photos show a structurally intact brick front porch, maintained lawn and trimmed shrubs. Listing states 'no updates' and 'sold as-is' so interior finishes are likely dated; however listing also states 'all appliances will remain' which reduces penalty for missing appliances. No evidence of collapsed ceilings, exposed subfloor, or severe exterior deterioration in provided photos. Expect typical cosmetic repairs, floor/wall updates, and possible localized repairs inside. Scoring reflects minor-to-moderate interior cosmetic work likely required but no visible major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Photos do not show interior smoke/CO detectors, GFCI presence, or window egress. Front windows/door appear to have security bars — potential egress concern if bars are permanently fixed without quick-release. No visible exposed wiring, major water intrusion, or collapsed elements externally. Entry appears secure (security door/bars). Given unknowns about detector placement, egress compliance, and GFCI, there is a moderate inspection risk that will require verification/updates prior to passing NSPIRE (installing/confirming smoke detectors, CO detectors if required, checking window egress and quick-release on bars, and GFCI outlets in kitchen/baths)."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof/HVAC/plumbing/electrical)",
"score": 50.0,
"rationale": "Roof visible portions appear shingled and not sagging in photos, but house age (1952) indicates systems may be original or aged. No exterior HVAC condenser or mechanical equipment is visible in photos (could be located elsewhere) — absence increases risk that HVAC may be old or require repair. Water heater, plumbing condition, electrical panel and hot water availability are not shown. Because major systems are unknown and the property is sold 'as-is,' expect possible electrical/plumbing/HVAC work; score reflects uncertain but plausible need for repairs or replacement after inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and lot condition",
"score": 70.0,
"rationale": "Corner lot is expansive and appears maintained; yard mowing and vegetation control present. Brick front and concrete porch look intact with no visible foundation separation or major exterior wall failure. Some old wooden posts and nearby neighboring structures in disrepair are visible at rear/side of lot; no standing water, no visible erosion, and walkways appear serviceable. Fencing/yard privacy is limited and there is debris/overgrowth near property lines that may need clearing, but overall exterior condition is fair-good."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Listing statement 'All appliances will remain' is accurate — stove/refrigerator present and functional or serviceable.",
"Interior condition is dated but intact (no visible interior photos provided); no active structural collapse is present.",
"Roof has no active leaks (no signs of sagging or water damage visible from exterior photos).",
"HVAC may be present but age/operational status unknown; absence of exterior condenser in photos does not mean there is no heating/cooling system.",
"Electrical service and panel exist and are intact but may require inspection for modernization and GFCI provisions.",
"No significant pest infestation or mold is visible from available photos; hidden issues may exist but not evident externally.",
"Security bars seen on front windows/door may be fixed; if not quick-release they will need modification/approval for egress compliance."
],
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2703 Miller Ave, Jackson, MS, 39213",
"aggregate": {
"summary": "Based on exterior photos and listing text, this 1952 brick single-family appears mostly structurally intact and the site is well maintained; primary issues are unknown interior conditions and unverified major systems. Because the property is advertised 'as-is' with no updates, expect interior cosmetic repairs and possible system servicing. From an NSPIRE/Section 8 perspective the property is likely to be rent-ready after minor-to-moderate repairs and verification (smoke/CO detectors, GFCI, egress, HVAC/water heater checks) — estimate: likely passable with repairs within ~30 days if interior systems are functional; overall readiness score 62 (minor repairs required).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.3,
"rationale": "Exterior photos show a maintained yard, intact brick porch and no obvious structural exterior distress. Listing states 'sold as-is' and 'no updates' which implies interior cosmetic deferred maintenance (likely dated finishes, paint, flooring, cabinets). The listing states 'all appliances will remain' which reduces penalty for missing appliances. Visible items are mostly cosmetic and easy-to-fix (paint, finishes, trim). No visible collapsed elements or exposed subfloor. Score reflects mostly cosmetic work and moderate interior updates expected but no obvious major rehab from exteriors."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.3,
"rationale": "Large, level yard appears well-maintained and mowed. Front porch and brick facade appear structurally sound; foundation exposure in photos looks minimal. Some old wooden posts in yard and a neighboring dilapidated structure are present but do not present an immediate hazard on the subject property. Walkways and yard are free of standing water and obvious trip hazards in photos. Landscaping may require routine trimming. Overall exterior/site condition appears good and low risk for an initial inspection."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 53.3,
"rationale": "Exterior inspection did not reveal life-threatening conditions (no collapsed ceilings, standing water, visible electrical hazards). However, critical NSPIRE items cannot be confirmed from photos: smoke detectors, CO alarms, GFCI protection, bedroom egress windows, operational locks/deadbolts, condition of interior stairs/handrails and presence of active leaks. The front entry shows a security/metal door and small porch steps (no obvious need for handrail). Given the age (1952) there is potential for lead-based paint risk on painted surfaces, but no severe peeling was visible externally. Because multiple required safety items are unknown and would be evaluated on-site, risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 51.7,
"rationale": "Roof lines look generally intact in the limited photos with no visible sagging or active leaks; however shingle condition and age cannot be fully confirmed. No exterior HVAC condenser unit is visible in photos (could be on opposite side or not pictured), and no water heater/electrical panel/plumbing fixtures are visible. Given the house age and 'no updates' listing, expect older mechanicals that may need service or replacement. Because major systems cannot be verified and replacement/repairs could be required, score reflects moderate risk."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Interior photos and condition not provided; assume interior is dated but intact (no visible structural collapse referenced in listing or photos).",
"Listing statement 'all appliances will remain' is accurate (stove, refrigerator, possibly washer/dryer), reducing appliance-related inspection failures.",
"Major systems (HVAC, water heater, electrical panel) exist but could be original/older and may require servicing or replacement; absence of an exterior AC condenser in photos does not prove absence.",
"No evidence of active roof leaks, collapsed ceilings, or major foundation movement was visible from exterior images; assume none present unless interior/roof inspection reveals otherwise.",
"Pre-1978 construction implies possible lead-based paint risk; assume surfaces do not have visible severe peeling outdoors but interior paint condition is unknown."
],
"score_method": "mean_of_criteria",
"overall_score": 61.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8588717997"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.