Property ID: 8598776133
1953 Longwood Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $27,576
CoC Return: 17.35%
Monthly Cash Flow: $399
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,980
Closing Costs
$4,596
Total Down
$27,576
Investment Snapshot
Purchase Price
$114,900
Money Down
$27,576
Cash-on-Cash Return
17.35%
Rent
$1,379
Monthly Cash Flow
$399
Annual Cash Flow
$4,785
Debt Service / Mo
$612
Property Tax / Mo
$173
Insurance / Mo
$58
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,379
Payment Standard
$1,790
Rent
$1,379
Insurance
$58
Property Tax
$173
Management
$138
Utilities Allowance
$411
NOI (Monthly)
$1,010
Debt Service
$612
Cash Flow After Debt
$399
Quality Score: 73.30%
Confidence: 95.00%
Overall this property appears rent-ready with cosmetic and minor repairs remaining. Fresh paint, new flooring, a relatively recent roof, and a monitored alarm system are positives. Primary inspection risks are lack of visible smoke/CO detectors and GFCI protection, an area of bathroom flooring that suggests prior or ongoing water intrusion, and absence of visible kitchen appliances (landlord may supply). Mechanical systems (HVAC, roof) appear present but require verification on operation and hot water. Likely outcome: passable with minor targeted repairs and documentation; estimated time to pass a HCV/NSPIRE initial inspection: 1–4 weeks if smoke/CO detectors, GFCI, and any small plumbing repairs are completed prior to inspection.
Section 8 Payment Standard
$1,790
Utility Allowance Total
$411
Guaranteed Section 8 Rent (PS - Utilities)
$1,379
Property Management
$138
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$114,900
Beds
4
Baths
2
Living Area
1,628 sqft
Lot Size
11,326 sqft
Year Built
1968
Days on Market
42
Capital Outlay
$27,576
Debt Service
$612
Property Tax / Mo
$173
Insurance / Mo
$58
Property Description
INVESTORS ALERT -CASH FLOW BONANZA Unlock immediate income with this 4BR/2Bath Rental. No rehab,no delays , no hassles,this unit is ready to go. With this 4 BR/2 bath home checks for strong cash flow potential. featuring fresh interior/exterior painting ,updates throughout, prime architectural Roof for added value. Good location with solid rental demand. IDEAL BUY AND HOLD OR PORTFOLIO ADDITION. Look at this ! . 4/2 with new Sherwin Williams paint inside and out . New Roof is only 4 years and ridge vents added to to keep heat out . New luxury vinyl flooring added . over $1000 spent on alarm system that calls security or fire with cellular back-up, no wi-fi needed . Rent thru HUD for $1800 / month
Utility Allowances
Air Conditioning
$16
Selected based on the property having 'Central Air' and the '4br' schedule for a fixed utility.
Cooking
$14
Selected 'electric' option as property details list 'Electric Cooktop'. Used '4br' schedule value.
Heating
$26
Selected 'natural_gas' option as property details list 'Natural Gas' heating. Used '4br' schedule value.
Other Electric
$88
Standard allowance for miscellaneous tenant-paid electric use not covered by other specific categories. Used '4br' schedule value.
Range/Microwave
$3
Allowance included as a tenant-provided appliance because it was not explicitly listed in the property's features. Used '4br' schedule value.
Refrigerator
$4
Allowance included as a tenant-provided appliance because it was not explicitly listed in the property's features. Used '4br' schedule value.
Sewer
$70
Property details explicitly state 'Public Sewer'. Used '4br' schedule value for this fixed utility.
Trash Collection
$37
Inferred as a standard municipal service for a single-family home. Used '4br' schedule value.
Water
$116
Property details explicitly state 'Public' water source. Used '4br' schedule value for this fixed utility.
Water Heating
$37
Selected 'electric' option as property details list 'Electric Water Heater'. Used '4br' schedule value.
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$678
DP3 Annual Estimate$708
DP1 Monthly Equivalent$56
DP3 Monthly Equivalent$59
Replacement Value$54,550
Basis1,628 sqft / 1968
Nearby Houses
Photo unavailable
1954 Longwood Dr
off_market · 0.03 mi
Price: $74,500
3 bd / 2 ba · 1,005 sqft
Latest sale: —
Latest rent: $1,050 on Oct 10, 2025
Photo unavailable
1967 Teakwood Dr
sold · 0.06 mi
Price: $77,000
3 bd / 2 ba · 2,464 sqft
Latest sale: — on Dec 31, 2025
Latest rent: —
Photo unavailable
1928 Teakwood Dr
for_sale · 0.07 mi
Price: $68,000
3 bd / 2 ba · 1,299 sqft
Latest sale: —
Latest rent: $900 on Dec 03, 2019
Photo unavailable
1936 Longwood Dr
sold · 0.08 mi
Price: $88,500
3 bd / 2 ba · 1,400 sqft
Latest sale: — on Nov 09, 2023
Latest rent: $1,150 on Nov 20, 2025
Photo unavailable
1944 Bienville Dr
sold · 0.09 mi
Price: $93,000
3 bd / 2 ba · 1,403 sqft
Latest sale: — on Apr 04, 2025
Latest rent: $1,200 on Mar 07, 2023
Photo unavailable
1956 Bienville Dr
sold · 0.10 mi
Price: $117,900
3 bd / 2 ba · 1,472 sqft
Latest sale: — on Aug 02, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE failure if not present/operational).
- Stained/damaged bathroom flooring at toilet base — possible plumbing leak or compromised subfloor that may cause inspection failure until repaired.
- No visible GFCI receptacles in kitchen/bath photos; GFCI absence could be cited.
- Kitchen appliances (range/refrigerator) are not shown and may be missing — reduces rent-ready score and could delay move-in if landlord intends to supply them.
Assumptions
- Central HVAC is present and operational (thermostat and vents visible) though no service records provided.
- Water heater and electrical panel exist and are code-compliant though not pictured.
- Listing statement and photos accurately reflect recent interior/exterior painting and a 4-year-old roof.
- Kitchen major appliances (stove/refrigerator) are not shown and may not be present; absence reduces readiness moderately but is not a structural failure.
- No active roof leaks or structural foundation movement beyond what is visible in photos.
- The visible stained/damaged area in the bathroom is localized and repairable (not collapsed subfloor) until proven otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $2,016 | $69,550 | $10,433 |
| 2023 | $2,006 | $69,550 | $10,433 |
| 2021 | $2,007 | $69,550 | $10,433 |
| 2020 | $1,978 | $68,950 | $10,343 |
| 2019 | $1,980 | $68,950 | $10,343 |
| 2018 | $1,958 | $68,950 | $10,343 |
| 2017 | $1,959 | $68,950 | $10,343 |
| 2016 | $995 | $68,950 | $6,895 |
| 2015 | $936 | $67,710 | $6,771 |
| 2014 | $934 | $67,710 | $6,771 |
| 2013 | $901 | $67,710 | $6,771 |
| 2012 | $901 | $67,710 | $6,771 |
| 2011 | $923 | $70,730 | $7,073 |
| 2010 | $891 | $68,510 | $6,851 |
| 2009 | $891 | $68,510 | $6,851 |
| 2008 | $1,750 | $56,330 | $8,450 |
| 2007 | $1,454 | $56,330 | $8,450 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-01-03 | Sold | — |
Photo Gallery
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"home_photo": "https://ap.rdcpix.com/7f1822a71d52d6aa90f0c795a88cf7bel-m3944850720s-w1280.jpg",
"rent_price": 1379.0,
"loan_amount": 91920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1953-Longwood-Dr_Jackson_MS_39212_M85987-76133",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 114900.0,
"loan_term_years": 30,
"annual_cash_flow": 12123.72,
"mortgage_monthly": 611.55,
"payment_standard": 1790.0,
"total_amount_out": 22980.0,
"additional_photos": [
"https://ap.rdcpix.com/7f1822a71d52d6aa90f0c795a88cf7bel-m4204719568s-w1280.jpg",
"https://ap.rdcpix.com/7f1822a71d52d6aa90f0c795a88cf7bel-m638754203s-w1280.jpg",
"https://ap.rdcpix.com/7f1822a71d52d6aa90f0c795a88cf7bel-m1603684898s-w1280.jpg",
"https://ap.rdcpix.com/7f1822a71d52d6aa90f0c795a88cf7bel-m282105360s-w1280.jpg",
"https://ap.rdcpix.com/7f1822a71d52d6aa90f0c795a88cf7bel-m541065778s-w1280.jpg",
"https://ap.rdcpix.com/7f1822a71d52d6aa90f0c795a88cf7bel-m76292198s-w1280.jpg",
"https://ap.rdcpix.com/7f1822a71d52d6aa90f0c795a88cf7bel-m1680387504s-w1280.jpg",
"https://ap.rdcpix.com/7f1822a71d52d6aa90f0c795a88cf7bel-m830246221s-w1280.jpg",
"https://ap.rdcpix.com/7f1822a71d52d6aa90f0c795a88cf7bel-m3477041227s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 57.75,
"monthly_cash_flow": 1010.31,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Selected based on the property having 'Central Air' and the '4br' schedule for a fixed utility.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Selected 'electric' option as property details list 'Electric Cooktop'. Used '4br' schedule value.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Selected 'natural_gas' option as property details list 'Natural Gas' heating. Used '4br' schedule value.",
"utility": "Heating",
"allowance": 26
},
{
"note": "Standard allowance for miscellaneous tenant-paid electric use not covered by other specific categories. Used '4br' schedule value.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "Allowance included as a tenant-provided appliance because it was not explicitly listed in the property's features. Used '4br' schedule value.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Allowance included as a tenant-provided appliance because it was not explicitly listed in the property's features. Used '4br' schedule value.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Property details explicitly state 'Public Sewer'. Used '4br' schedule value for this fixed utility.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Inferred as a standard municipal service for a single-family home. Used '4br' schedule value.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property details explicitly state 'Public' water source. Used '4br' schedule value for this fixed utility.",
"utility": "Water",
"allowance": 116
},
{
"note": "Selected 'electric' option as property details list 'Electric Water Heater'. Used '4br' schedule value.",
"utility": "Water Heating",
"allowance": 37
}
],
"cash_on_cash_return": 0.53,
"down_payment_amount": 22980.0,
"property_tax_annual": 2076.48,
"property_tax_monthly": 173.04,
"property_tax_increase": 0.03,
"utility_allowance_total": 411.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/fmr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39212/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 4785.17,
"property_management_monthly": 137.9,
"monthly_cash_flow_after_debt": 398.76,
"cash_on_cash_return_after_debt": 0.21
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this property appears rent-ready with cosmetic and minor repairs remaining. Fresh paint, new flooring, a relatively recent roof, and a monitored alarm system are positives. Primary inspection risks are lack of visible smoke/CO detectors and GFCI protection, an area of bathroom flooring that suggests prior or ongoing water intrusion, and absence of visible kitchen appliances (landlord may supply). Mechanical systems (HVAC, roof) appear present but require verification on operation and hot water. Likely outcome: passable with minor targeted repairs and documentation; estimated time to pass a HCV/NSPIRE initial inspection: 1–4 weeks if smoke/CO detectors, GFCI, and any small plumbing repairs are completed prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 78.0,
"rationale": "Interior photos show fresh paint, new luxury vinyl plank flooring, tile in kitchen and generally clean surfaces. Minor visible issues: soot/soiling in fireplace, at least one outlet/cover appears missing, and the main bath picture shows stained/damaged flooring at toilet base (possible localized water damage). No major drywall, ceiling, or flooring collapse visible. Listing and photos do not show kitchen appliances (stove/refrigerator) which reduces readiness moderately but is a capital item rather than structural."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "Entry door has a deadbolt present; alarm control panel (monitored system) is installed. HVAC vent and thermostat seen. However no smoke detectors or carbon-monoxide alarms are visible in photos (required), GFCI receptacles at kitchen/bath not shown, and kitchen sink area and window latch/egress hardware are older and not verifiable. There is a visible cable/loose wire coiled on baseboard (likely low-voltage) but no obvious exposed high-voltage wiring. The bathroom floor staining near the toilet could indicate a plumbing leak and would be an inspection risk until confirmed repaired."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Listing states a new roof was installed ~4 years ago and roof visually appears intact from front photo. Interior shows HVAC supply/return vents and a thermostat suggesting central heating/cooling is present; no obvious missing heating source. Laundry/wash hookups are visible in the kitchen area indicating plumbing service. Water heater and electrical panel are not shown; condition of panel, hot water heater, and operation of HVAC are assumed functional but unverified. Given visible vents and roof age the systems appear serviceable but require verification."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate grounds",
"score": 85.0,
"rationale": "Brick front, newer concrete driveway, intact front porch and garage. Exterior paint and shutters look recently refreshed per listing. Yard shows leaf cover but no obvious standing water or major grading issues in provided photos. Rear fence visible and appears intact. Overall exterior presents as maintained."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE failure if not present/operational).",
"Stained/damaged bathroom flooring at toilet base — possible plumbing leak or compromised subfloor that may cause inspection failure until repaired.",
"No visible GFCI receptacles in kitchen/bath photos; GFCI absence could be cited.",
"Kitchen appliances (range/refrigerator) are not shown and may be missing — reduces rent-ready score and could delay move-in if landlord intends to supply them."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (thermostat and vents visible) though no service records provided.",
"Water heater and electrical panel exist and are code-compliant though not pictured.",
"Listing statement and photos accurately reflect recent interior/exterior painting and a 4-year-old roof.",
"Kitchen major appliances (stove/refrigerator) are not shown and may not be present; absence reduces readiness moderately but is not a structural failure.",
"No active roof leaks or structural foundation movement beyond what is visible in photos.",
"The visible stained/damaged area in the bathroom is localized and repairable (not collapsed subfloor) until proven otherwise."
],
"overall_score": 74.0,
"rubric_version": "nsipre-2026-v1"
},
{
"summary": "This 4BR/2BA ranch-style home appears largely turnkey with recent interior/exterior paint, new luxury vinyl flooring, and a relatively new roof. Visible mechanicals (HVAC vents, thermostat) and a monitored alarm panel are positives. Primary risks for an initial HCV/NSPIRE inspection are missing/unspecified smoke and CO detectors, lack of visible GFCI protection in kitchen/bath, and a small area of bathroom flooring damage (possible exposed subfloor). Appliances (stove/fridge) are not shown and will need provider confirmation. With minor targeted fixes (install/verify detectors, add/confirm GFCIs, repair bathroom threshold, confirm water heater and electrical panel access), property is likely rent-ready within 2–4 weeks and should pass inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos and listing indicate recent cosmetic rehab: fresh interior/exterior paint, new luxury vinyl flooring, tile in wet areas, new roof ~4 years ago and ridge vents. Visible living spaces, trim, and built-ins appear intact. Observable repair needs: small area of missing/damaged flooring at a bathroom threshold, fireplace interior shows heavy soot (may need cleaning/repair or be marked non-operable), and no kitchen appliances are shown (stove/fridge not pictured) which will reduce turnkey readiness moderately. Overall mostly cosmetic and easy-to-fix items; no widespread deferred maintenance visible."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Positive indicators: exterior door has both knob and additional lock, alarm control panel mounted (cellular alarm claimed), HVAC vents and thermostat present, no visible exposed wiring or structural failure in photos. Concerns: no smoke detectors or carbon monoxide alarms are visible in photos (required), GFCI receptacles are not evident in kitchen/bath photos (potential NSPIRE/GFCI failure), bathroom flooring damage could expose subfloor/moisture hazard, bedroom egress windows are present but window sizes/clearances not confirmed. Given these unknowns, there is moderate risk of initial inspection issues primarily from detector/GFCI/egress verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 75.0,
"rationale": "Listing and photos support presence of central HVAC (return grill and thermostat visible) and functioning ventilation; roof replaced ~4 years ago per listing and external roof looks intact in photos. Laundry hookup and utility accesses visible. Water heater, main electrical panel, and hot water supply were not photographed so condition is assumed but not confirmed. No visible evidence of active leaks or major plumbing failure. Overall systems show signs of recent updates and likely operable but with some unknowns that require in-person verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Brick exterior appears sound, new/clean concrete driveway and covered front porch present. Yard is fenced in back (privacy/safety), exterior light at entry, mailbox and garage present. No obvious foundation cracks, severe grading problems, or standing water visible in photos. Leaves and minor yard cleanup needed but no visible infestation or severe neglect."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (required for inspection).",
"Possible exposed subfloor / damaged flooring at bathroom threshold (photo shows missing/unfinished floor) which can trigger inspection failure.",
"GFCI protection not evident in kitchen/bath areas (risk of electrical code failure).",
"Open hearth fireplace shows heavy soot and needs inspection; if operable, must meet safety standards or be permanently disabled."
],
"confidence": 0.72,
"assumptions": [
"Central forced-air HVAC is present and operational (vents and thermostat visible).",
"Water heater and main electrical panel are present and functional though not photographed.",
"Roof replacement ~4 years ago (listed) is accurate and roof is in good condition as no active leaks are visible.",
"Kitchen appliances (stove/refrigerator) are not installed or not pictured; landlord may provide or tenant may supply—missing appliances reduce turnkey score moderately.",
"Alarm system referenced and shown is active/monitored (cellular backup) though its smoke/CO detector integration is unverified.",
"Windows are operable but their clear opening dimensions for egress are unknown.",
"No active plumbing leaks or mold are present beyond what is visible in photos; photo set shows no staining or water damage besides bathroom floor finish missing."
],
"overall_score": 74.0,
"rubric_version": "2026-01-NSPIRE-v1"
},
{
"summary": "Overall this 4BR/2BA single-family home presents as mostly turnkey for rental with fresh paint, new flooring, a recently replaced roof, and functioning HVAC components visible. The property should likely pass a Housing Choice Voucher/NSPIRE initial inspection after addressing a few straightforward items (confirming/installing smoke/CO detectors, repairing the bathroom floor/vanity area, securing loose cables, and installing GFCI protection where required). Missing kitchen appliances will need to be provided if required by local program rules but are not an automatic fail. Primary inspection risks are detector/egress verification and the damaged bathroom floor area.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior shows recent cosmetic updates: fresh interior/exterior paint, new luxury vinyl plank flooring, clean walls and trim. Minor visible defects: bathroom floor/vanity area shows missing/damaged flooring and could require repair or replacement; some trim/finish work near thresholds and a few areas with minor scuffs. No major structural cracks or collapsed surfaces observed. Appliances (range/refrigerator) are not visible in photos — missing appliances reduce readiness moderately but are not a catastrophic failure. Overall appearance is mostly turnkey with a few modest repairs needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "Positive items: entry door has a deadbolt, living spaces have ceiling fan and lighting, security alarm keypad is installed (advertised monitored fire capability). Visible HVAC vent and thermostat present. Concerns: no smoke or carbon monoxide detectors are visible in interior photos (required by NSPIRE); GFCI outlets at kitchen/bath not visible; bedroom egress windows unclear from photos (some windows appear small and may not meet egress dimensions); a loose low-voltage cable is visible in one interior photo (likely non-hazardous but should be secured). No signs of active water intrusion, severe mold, or collapsed ceilings were observed. Given these mixed signals, there is moderate risk on initial inspection primarily from detectors and egress verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Roof reported replaced ~4 years ago and exterior photos show a sound roofline. Central HVAC supply vent and wall thermostat are present, suggesting central heating/cooling but operational status not proven in photos. Electrical panel and water heater are not shown; outlets and switches appear intact. No visible plumbing leaks, but bathroom floor damage could indicate past moisture. Overall systems appear present and in reasonable condition based on visible evidence, but missing documentation/visible equipment prevents a higher score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior photos show a well-kept brick façade, fresh exterior paint, a relatively new concrete driveway, attached two-car garage, and an intact yard/fencing in rear (seen through windows). Roofline looks straight and gutters/downspouts are not visibly failing. No visible foundation settlement or major exterior deterioration. Curb appeal is good and site appears safe and accessible."
}
],
"red_flags": [
"Exposed/damaged bathroom floor or exposed subfloor at vanity/toilet area (photo shows missing/rough flooring) — requires repair before inspection.",
"No visible smoke detectors or CO alarms in provided photos — must verify/install to meet NSPIRE/fire safety requirements.",
"GFCI protection in kitchen/bath not visible in photos — may trigger inspection deficiency if absent."
],
"confidence": 0.7,
"assumptions": [
"The advertised monitored alarm system includes smoke detection but photos do not show standalone smoke/CO detectors; assume detectors may be present but their locations and power source (battery/hardwired) are unverified.",
"Bedrooms have code-compliant egress windows typical of a 1968 single-story home; window sizes observed are assumed adequate unless an inspector measures otherwise.",
"Central HVAC is present and functional (vent and thermostat visible) though recent service records are not provided.",
"Water heater and electrical service/panel exist and are operational but were not photographed; assume normal condition absent visible distress.",
"No active roof leaks or major foundation movement exist based on exterior appearance and straight roofline.",
"Loose/visible cables are low-voltage (alarm/communication) rather than live electrical conductors."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1953 Longwood Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Overall this property appears rent-ready with cosmetic and minor repairs remaining. Fresh paint, new flooring, a relatively recent roof, and a monitored alarm system are positives. Primary inspection risks are lack of visible smoke/CO detectors and GFCI protection, an area of bathroom flooring that suggests prior or ongoing water intrusion, and absence of visible kitchen appliances (landlord may supply). Mechanical systems (HVAC, roof) appear present but require verification on operation and hot water. Likely outcome: passable with minor targeted repairs and documentation; estimated time to pass a HCV/NSPIRE initial inspection: 1–4 weeks if smoke/CO detectors, GFCI, and any small plumbing repairs are completed prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 77.0,
"rationale": "Interior photos show fresh paint, new luxury vinyl plank flooring, tile in kitchen and generally clean surfaces. Minor visible issues: soot/soiling in fireplace, at least one outlet/cover appears missing, and the main bath picture shows stained/damaged flooring at toilet base (possible localized water damage). No major drywall, ceiling, or flooring collapse visible. Listing and photos do not show kitchen appliances (stove/refrigerator) which reduces readiness moderately but is a capital item rather than structural."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate grounds",
"score": 83.3,
"rationale": "Brick front, newer concrete driveway, intact front porch and garage. Exterior paint and shutters look recently refreshed per listing. Yard shows leaf cover but no obvious standing water or major grading issues in provided photos. Rear fence visible and appears intact. Overall exterior presents as maintained."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 63.3,
"rationale": "Entry door has a deadbolt present; alarm control panel (monitored system) is installed. HVAC vent and thermostat seen. However no smoke detectors or carbon-monoxide alarms are visible in photos (required), GFCI receptacles at kitchen/bath not shown, and kitchen sink area and window latch/egress hardware are older and not verifiable. There is a visible cable/loose wire coiled on baseboard (likely low-voltage) but no obvious exposed high-voltage wiring. The bathroom floor staining near the toilet could indicate a plumbing leak and would be an inspection risk until confirmed repaired."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 71.7,
"rationale": "Listing states a new roof was installed ~4 years ago and roof visually appears intact from front photo. Interior shows HVAC supply/return vents and a thermostat suggesting central heating/cooling is present; no obvious missing heating source. Laundry/wash hookups are visible in the kitchen area indicating plumbing service. Water heater and electrical panel are not shown; condition of panel, hot water heater, and operation of HVAC are assumed functional but unverified. Given visible vents and roof age the systems appear serviceable but require verification."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE failure if not present/operational).",
"Stained/damaged bathroom flooring at toilet base — possible plumbing leak or compromised subfloor that may cause inspection failure until repaired.",
"No visible GFCI receptacles in kitchen/bath photos; GFCI absence could be cited.",
"Kitchen appliances (range/refrigerator) are not shown and may be missing — reduces rent-ready score and could delay move-in if landlord intends to supply them."
],
"confidence": 0.95,
"assumptions": [
"Central HVAC is present and operational (thermostat and vents visible) though no service records provided.",
"Water heater and electrical panel exist and are code-compliant though not pictured.",
"Listing statement and photos accurately reflect recent interior/exterior painting and a 4-year-old roof.",
"Kitchen major appliances (stove/refrigerator) are not shown and may not be present; absence reduces readiness moderately but is not a structural failure.",
"No active roof leaks or structural foundation movement beyond what is visible in photos.",
"The visible stained/damaged area in the bathroom is localized and repairable (not collapsed subfloor) until proven otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 73.3,
"rubric_version": "nsipre-2026-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8598776133"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.