Property ID: 8592075264
3858 N Wabash St, Jackson, MS, 39213
Jackson, MS
Money Down: $20,400
CoC Return: 12.21%
Monthly Cash Flow: $208
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
12.21%
Rent
$811
Monthly Cash Flow
$208
Annual Cash Flow
$2,491
Debt Service / Mo
$452
Property Tax / Mo
$46
Insurance / Mo
$24
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$811
Payment Standard
$1,190
Rent
$811
Insurance
$24
Property Tax
$46
Management
$81
Utilities Allowance
$379
NOI (Monthly)
$660
Debt Service
$452
Cash Flow After Debt
$208
Quality Score: 68.50%
Confidence: 94.00%
Based on the listing and exterior photo, this 3-bed/1-bath house appears largely renovated and close to Section 8 rent-ready. Exterior envelope and roof look refreshed, and observed issues are primarily cosmetic or minor maintenance (concrete step spall, leaning lamp post, yard debris, tree overhang). Critical NSPIRE items (smoke/CO detectors, GFCI outlets, egress window compliance, HVAC and hot water operation, electrical panel condition) are not visible in photos and must be verified on an inspection. With likely quick fixes (install/verify detectors, GFCI, appliance check, small exterior repairs) the property would probably pass an initial HCV inspection within a short timeframe, assuming interior systems are functional.
Section 8 Payment Standard
$1,190
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$811
Property Management
$81
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
3
Baths
1
Living Area
950 sqft
Lot Size
7,405 sqft
Year Built
1961
Days on Market
9
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$46
Insurance / Mo
$24
Property Description
Welcome home to this beautifully renovated 3 bedroom, 1 bath gem! Updates include new vinyl flooring, modern tile finishes, and contemporary touches throughout. The kitchen shines with butcher block countertops and stylish details. Enjoy a separate laundry area and a large backyard perfect for gatherings, pets, or future outdoor projects. This home is perfect for a first-time homebuyer or an investor seeking a turnkey opportunity. Move-in ready and full of charm! This one won't last long! Schedule your private showing today!
Utility Allowances
Heating
$50
Property has 'Central' heating. The specific fuel is not listed in the property info, so Electric was chosen as it is a common option and is more expensive than the natural gas option on the schedule.
Air Conditioning
$12
Property listing specifies 'Central Air' under cooling systems.
Cooking
$11
The property listing indicates 'appliances: ["None"]', so tenant-provided cooking is assumed. Electric was chosen as a common option.
Water Heating
$29
The water heater fuel type is not specified. Electric was selected as it is a common option and is more expensive than the natural gas option on the schedule.
Water
$104
Property listing specifies 'Water Source: Public'.
Sewer
$60
Property listing specifies 'Sewer: Public Sewer'.
Trash Collection
$37
Inferred as a standard tenant-paid utility for a single-family home.
Other Electric
$69
A standard allowance for general lighting and electrical plug-in appliances.
Refrigerator
$4
Inferred as tenant-owned because the property listing states 'appliances: ["None"]', indicating no refrigerator is provided.
Range/Microwave
$3
Inferred as tenant-owned because the property listing states 'appliances: ["None"]', indicating no range or microwave is provided.
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$257
DP3 Annual Estimate$323
DP1 Monthly Equivalent$21
DP3 Monthly Equivalent$27
Replacement Value$12,910
Basis950 sqft / 1961
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Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior has been renovated as stated in listing (new vinyl flooring, tile, kitchen finishes) though no interior photos were provided.
- Kitchen appliances (range, refrigerator) and laundry hookups may be present but were not visible in provided materials; missing appliances would be considered moderate capital items, not immediate safety failures.
- Smoke detectors and carbon monoxide alarms are not visible from exterior; assume they may be missing or need repositioning and will require verification/installation.
- HVAC, water heater, and electrical panel are present and functional but their ages and conditions are unknown and need confirmation during inspection.
- Minor vertical seam/crack on painted brick near the porch is cosmetic until proven otherwise—assumed not to indicate significant foundation movement based on visible evidence.
- No recent rental history in last 5 years (rental_history_last_5y.status = missing), so rental activity bonus not applied.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $533 | $18,410 | $2,762 |
| 2023 | $531 | $18,410 | $2,762 |
| 2021 | $531 | $18,410 | $2,762 |
| 2020 | $517 | $18,030 | $2,705 |
| 2019 | $517 | $18,030 | $2,705 |
| 2018 | $512 | $18,030 | $2,705 |
| 2017 | $512 | $18,030 | $2,705 |
| 2016 | $498 | $18,030 | $2,705 |
| 2015 | $482 | $17,950 | $2,693 |
| 2014 | $481 | $17,950 | $2,693 |
| 2013 | $468 | $17,950 | $2,693 |
| 2012 | $468 | $17,950 | $2,693 |
| 2011 | $515 | $20,050 | $3,008 |
| 2010 | $512 | $20,050 | $3,008 |
| 2009 | $512 | $20,050 | $3,008 |
| 2008 | $512 | $20,230 | $3,035 |
| 2007 | $522 | $20,230 | $3,035 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-07 | Listed | $85,000 |
Photo Gallery
Show raw JSON (debug)
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"Minor vertical seam/crack on painted brick near the porch is cosmetic until proven otherwise—assumed not to indicate significant foundation movement based on visible evidence.",
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"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Exterior shows a recently shingled roof and new siding which suggests roof and envelope work were done recently. However no exterior HVAC condenser, water heater, or electrical service panel is visible in the provided photo; interior mechanicals could be present but cannot be confirmed. Listing states renovated finishes but does not mention new HVAC, water heater or electrical upgrades. Because major systems (heating/AC, water heater, electrical panel) cannot be verified and are critical to passing inspection, moderate caution is applied despite good roof/siding appearance."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Front yard, siding, painted brick foundation and windows appear well maintained and recently updated. Walkway/driveway has surface wear and there is debris/stacked wood near the right side of the house that should be cleared. The yard and porch area are generally serviceable; vents in foundation are present. The apparent vertical seam/crack in the painted brick should be evaluated, but otherwise site condition is acceptable with minor cleanup and concrete repairs recommended."
}
],
"red_flags": [
"Missing/broken front handrail at entry steps (trip/fall hazard)",
"Visible vertical seam/crack in painted front brick/foundation near porch that requires evaluation for foundation movement"
],
"confidence": 0.6,
"assumptions": [
"Interior renovations claimed in the listing (new vinyl flooring, modern tile, updated kitchen) were completed throughout and in good condition.",
"Basic appliances (stove and refrigerator) and laundry hookups exist as the listing mentions a kitchen and separate laundry area, though not visually confirmed.",
"Smoke detectors and CO alarms may be present following the renovation but their placement/operation is unknown and must be verified.",
"Major mechanicals (HVAC, water heater, electrical panel) are present and functional but could not be confirmed from exterior photo; assumed no catastrophic failure since house appears recently renovated.",
"The visible vertical seam/crack in the painted brick is either a minor cosmetic joint or a small foundation crack — severity undetermined without close inspection."
],
"overall_score": 67.0,
"rubric_version": "2026-02-16_NSPIRE_v1"
},
{
"summary": "Overall the property appears to be a cosmetically renovated, mostly rent-ready 3BR/1BA house. Exterior renovations and a sound-looking roof reduce major risk. Primary inspection risks are missing handrail at the front steps, lack of verifiable smoke/CO detectors and GFCI evidence, and no visible exterior HVAC unit or interior-system photos to confirm mechanical condition. These are moderate risks; with verification/installation of detectors, addition of a handrail, and confirmation of HVAC/electrical/plumbing, the home is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Exterior photo and listing indicate a recent cosmetic renovation (new vinyl flooring, tile, painted siding/brick, new roof shingles appearance). Visible items are minor: concrete front steps and stoop show wear and a missing handrail, a leaning lamp post and scattered debris at driveway edge. No collapsed surfaces, severe rot, or broken windows observed. Listing states kitchen/laundry updated which lowers penalty for missing appliances. Overall repairs are cosmetic and short-term, likely handled with minor scope (install handrail, replace/secure lamp, patch concrete, clean yard)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "Photo shows a front entry with steps and no handrail (unsafe stairs / code issue). No smoke or carbon monoxide detectors are visible from exterior photos (interior not provided) so compliance cannot be confirmed. Entry has a secure-looking exterior door and storm door; windows appear intact which supports egress but interior bedroom egress not verifiable. No exposed wiring, open electrical panels, or active water intrusion seen. Foundation vents present. Because several life-safety items (smoke/CO, GFCI, bedroom egress, deadbolt) are not visible, moderate risk remains and will require verification/installation."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Roof shingles look recently replaced and show no visible sagging or active leaks from exterior. However no exterior HVAC condenser or heat pump is visible in the provided photo; interior HVAC and water heater condition are not shown. Electrical service and panel location not visible. Given the home's 1961 vintage but advertised full renovation, systems may have been updated, but absence of observable HVAC/outdoor unit and no interior system photos create moderate uncertainty. This lowers score pending verification of heating/cooling, water heater, and electrical panel condition."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 72.0,
"rationale": "Siding and painted brick foundation appear recently updated and in generally good condition. Roofline appears straight without visible sagging. There is a vertical mortar/paint line/crack visible at the front foundation/stoop area — appears minor but should be monitored. Driveway and walkway show normal wear and some debris; lamp post leaning is a minor site issue. Large backyard mentioned in listing (not shown) is a positive for rental desirability. No visible infestation, standing water, or collapsed elements in the provided exterior photo."
}
],
"red_flags": [
"Missing handrail on front entry steps — unsafe stairs (code fail risk).",
"No visible exterior HVAC condenser or clear evidence of a heating system from photos — heating/cooling not verifiable.",
"Possible vertical crack/seam at painted brick foundation/stoop area that should be inspected for movement."
],
"confidence": 0.55,
"assumptions": [
"Interior has been renovated as described in listing (new vinyl floors, updated kitchen and tile) and is in similar cosmetic condition to exterior photos.",
"Kitchen appliances and laundry hookups are present/functioning as the listing implies (but were not photographed).",
"Smoke and carbon monoxide detectors may be present inside but were not visible from exterior photos; their presence and wiring need verification.",
"Electrical panel, water heater and heating system exist and are functional but their conditions are unverified from the provided images.",
"The visible vertical crack/paint seam at the foundation is cosmetic/mortar movement rather than active foundation failure unless interior/closer inspection shows otherwise.",
"No recent rental history is available (rental_history_last_5y missing) and was not used in scoring."
],
"overall_score": 69.0,
"rubric_version": "2026-02-16-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3858 N Wabash St, Jackson, MS, 39213",
"aggregate": {
"summary": "Based on the listing and exterior photo, this 3-bed/1-bath house appears largely renovated and close to Section 8 rent-ready. Exterior envelope and roof look refreshed, and observed issues are primarily cosmetic or minor maintenance (concrete step spall, leaning lamp post, yard debris, tree overhang). Critical NSPIRE items (smoke/CO detectors, GFCI outlets, egress window compliance, HVAC and hot water operation, electrical panel condition) are not visible in photos and must be verified on an inspection. With likely quick fixes (install/verify detectors, GFCI, appliance check, small exterior repairs) the property would probably pass an initial HCV inspection within a short timeframe, assuming interior systems are functional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 77.0,
"rationale": "Exterior photo and listing indicate a recent renovation (new vinyl flooring, updated tile, refreshed finishes). Exterior paint/siding and roof shingles appear new or in good condition. Observable minor deferred maintenance: concrete steps/showing spall and edge wear, a slightly leaning lamp post, some yard debris. No visible collapsed surfaces, extensive rot, or broken windows. Missing interior photos prevent confirmation of interior cosmetic touchups, but listing claims turnkey. Missing kitchen appliances not observed; listing mentions modern kitchen finishes which suggests appliances may be present but unconfirmed. Overall mostly cosmetic/minor capital items rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 71.3,
"rationale": "Siding, trim, and painted brick foundation appear recently refreshed and in good condition. Driveway shows some surface wear and debris; front concrete steps have localized spalling. Yard is level and usable; large rear/front tree provides shade but overhangs the roof—this is a maintenance concern (fallen limbs, clogged gutters) but not an immediate failure. Crawlspace/vent screens are present at the foundation. No visible pest infestation, standing water, or severe erosion in the provided view."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 62.3,
"rationale": "No immediate life-threatening hazards visible from exterior photo (no collapsed ceilings, standing water, large foundation displacement, visible electrical hazards). However critical NSPIRE items cannot be confirmed from images: presence and placement of smoke detectors and carbon monoxide alarms, GFCI protection in kitchen/bath, secure deadbolt on entry door, interior egress window compliance, and intact electrical panel and wiring. The front porch has no visible handrail but only a small number of steps (likely under typical handrail threshold). Large mature tree directly overhangs the roof (increases future roof/gutter/branch risk). Treatable/short-term inspection issues (missing detectors, missing outlet covers, GFCI) would reduce score but are typically easy to correct; unknowns keep score moderate rather than high."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 61.7,
"rationale": "Roof covering appears relatively new and in good visual condition from the photo. Foundation (painted brick perimeter) appears intact with no large visible cracks, though a minor vertical seam/line near the porch is visible and may be cosmetic. No HVAC condenser, water heater, or electrical service/panel shown in photos, so operation and age are unverified. Listing renovation suggests interior mechanical updates possible, but cannot be confirmed. Given absence of visible system failures but lack of confirmation, score reflects moderate confidence: systems likely serviceable but require verification (heating, cooling, hot water, electrical grounding/GFCI)."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Interior has been renovated as stated in listing (new vinyl flooring, tile, kitchen finishes) though no interior photos were provided.",
"Kitchen appliances (range, refrigerator) and laundry hookups may be present but were not visible in provided materials; missing appliances would be considered moderate capital items, not immediate safety failures.",
"Smoke detectors and carbon monoxide alarms are not visible from exterior; assume they may be missing or need repositioning and will require verification/installation.",
"HVAC, water heater, and electrical panel are present and functional but their ages and conditions are unknown and need confirmation during inspection.",
"Minor vertical seam/crack on painted brick near the porch is cosmetic until proven otherwise—assumed not to indicate significant foundation movement based on visible evidence.",
"No recent rental history in last 5 years (rental_history_last_5y.status = missing), so rental activity bonus not applied."
],
"score_method": "mean_of_criteria",
"overall_score": 68.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8592075264"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.