Property ID: 8626725590
1157 Rosewood St, Jackson, MS, 39212
Jackson, MS
Money Down: $18,960
CoC Return: 41.95%
Monthly Cash Flow: $663
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,800
Closing Costs
$3,160
Total Down
$18,960
Investment Snapshot
Purchase Price
$79,000
Money Down
$18,960
Cash-on-Cash Return
41.95%
Rent
$1,341
Monthly Cash Flow
$663
Annual Cash Flow
$7,954
Debt Service / Mo
$420
Property Tax / Mo
$83
Insurance / Mo
$40
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,341
Payment Standard
$1,790
Rent
$1,341
Insurance
$40
Property Tax
$83
Management
$134
Utilities Allowance
$449
NOI (Monthly)
$1,083
Debt Service
$420
Cash Flow After Debt
$663
Quality Score: 76.20%
Confidence: 94.00%
This 4BR brick ranch is in good, largely move-in condition with recent cosmetic updates, functioning kitchen appliances, central HVAC visible, and a sound exterior envelope. The likely inspection risks are limited to verification/installation of required detectors (smoke/CO), confirming GFCI protection in wet areas, and routine testing of HVAC, water heater and electrical panel. No major structural or life-safety defects are apparent from photos. With quick verification and small fixes (detectors, minor trim, door threshold, walk cleanup), the property is likely Section 8 / HCV inspection-ready within 1–2 weeks.
Section 8 Payment Standard
$1,790
Utility Allowance Total
$449
Guaranteed Section 8 Rent (PS - Utilities)
$1,341
Property Management
$134
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$79,000
Beds
4
Baths
2
Living Area
1,917 sqft
Lot Size
13,939 sqft
Year Built
1967
Days on Market
88
Capital Outlay
$18,960
Debt Service
$420
Property Tax / Mo
$83
Insurance / Mo
$40
Property Description
This spacious 4BR ranch is ready for a new owner! Located in the Woodville Heights area, this home checks lots of boxes. A classic brick exterior offers a timeless, low-maintenance touch! Inside you'll find spacious rooms including a welcoming family room with a fireplace for gathering with family and friends. All bedrooms are well-sized. The two-car garage is a welcome bonus. Close to restaurants and shopping and an easy drive into Jackson for commuters!
Utility Allowances
Heating
$64
Property has central heating. The property's utility details list 'Electricity Connected' but not 'Natural Gas Connected', indicating electric fuel. 'Electric' ($64) was chosen over 'Electric Heat Pump' ($24) as the more expensive option without specific confirmation of a heat pump system.
Air Conditioning
$16
The property includes 'Central Air' cooling as per the listing details.
Cooking
$14
The property includes an oven. The fuel is assumed to be electric as natural gas is not mentioned as a connected utility.
Water Heating
$37
Standard utility for a single-family home. The fuel is assumed to be electric as natural gas is not mentioned as a connected utility.
Water
$116
The property is connected to a public water source.
Sewer
$70
The property is connected to a public sewer system.
Trash Collection
$37
Standard utility for a single-family home assumed to be the tenant's responsibility.
Other Electric
$88
Standard baseline electrical usage allowance for lights and general outlets.
Refrigerator
$4
A refrigerator is not explicitly listed in the property's provided appliances, so it is assumed to be tenant-owned per the rules.
Range/Microwave
$3
A microwave is not explicitly listed in the property's provided appliances, so an allowance for a tenant-owned appliance is included per the rules.
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$316
DP3 Annual Estimate$652
DP1 Monthly Equivalent$26
DP3 Monthly Equivalent$54
Replacement Value$18,460
Basis1,917 sqft / 1967
Nearby Houses
Photo unavailable
1165 Branch St
sold · 0.07 mi
Price: $34,900
5 bd / 2 ba · 2,138 sqft
Latest sale: — on Nov 20, 2024
Latest rent: $2,100 on Feb 26, 2025
Photo unavailable
1142 Rosewood St
sold · 0.07 mi
Price: $129,900
3 bd / 2 ba · 1,781 sqft
Latest sale: — on Apr 18, 2024
Latest rent: —
Photo unavailable
1170 Primrose St
sold · 0.09 mi
Price: $69,000
3 bd / 2 ba · 1,516 sqft
Latest sale: — on Dec 22, 2022
Latest rent: —
Photo unavailable
1141 Verbena St
sold · 0.09 mi
Price: $95,000
3 bd / 2 ba · 2,100 sqft
Latest sale: — on Apr 18, 2025
Latest rent: —
Photo unavailable
1150 Branch St
for_sale · 0.11 mi
Price: $170,000
3 bd / 2 ba · 1,326 sqft
Latest sale: — on Aug 11, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors exist or will be installed; at least one ceiling-mounted round device seen could be a detector but not confirmed.
- Carbon monoxide detector requirements depend on fuel appliances; photos show an electric stove but water heater/furnace fuel type is unknown. If gas appliances exist, a CO alarm will be required.
- Central HVAC is present and operational (supply registers visible); no evidence of non-functioning heating or cooling was seen.
- Water heater and electrical panel are present and in working order though not photographed; no visible signs of leaks or panel hazards.
- Bedroom windows meet egress requirements based on typical bedroom window sizes indicated by floorplan and photos, though exact measurements are not available.
- No active roof leaks or interior water damage are present; ceilings appear intact with no stains visible.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $970 | $33,460 | $5,019 |
| 2023 | $965 | $33,460 | $5,019 |
| 2021 | $965 | $33,460 | $5,019 |
| 2020 | $945 | $32,930 | $4,940 |
| 2019 | $945 | $32,930 | $4,940 |
| 2018 | $935 | $32,930 | $4,940 |
| 2017 | $930 | $32,750 | $4,913 |
| 2016 | $906 | $32,750 | $4,913 |
| 2015 | $868 | $32,350 | $4,853 |
| 2014 | $867 | $32,350 | $4,853 |
| 2013 | $843 | $32,350 | $4,853 |
| 2012 | $843 | $32,350 | $4,853 |
| 2011 | $791 | $30,780 | $4,617 |
| 2010 | $786 | $30,780 | $4,617 |
| 2009 | $1,652 | $64,680 | $9,702 |
| 2008 | $1,652 | $52,940 | $7,941 |
| 2007 | $1,366 | $52,940 | $7,941 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-20 | Listing removed | $0 |
| 2025-11-20 | Listed | $79,000 |
| 2025-11-19 | Listed for rent | $1,245 |
| 2009-07-26 | Listing removed | $23,900 |
| 2009-06-10 | Listed | $23,900 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-11-19 | Listed for rent | $1,245 | — |
| 2021-03-16 | Listed for rent | $1,000 | — |
Photo Gallery
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},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "5826514",
"price_change_percentage": null
},
{
"date": "2025-11-20",
"price": 79000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-20T21:30:38Z",
"list_price": 79000,
"listing_id": "2988787950",
"last_update_date": "2026-02-11T21:05:32Z",
"last_status_change_date": "2026-02-11T21:07:09Z"
},
"event_name": "Listed",
"price_sqft": 41.21022430881586,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4132160",
"price_change_percentage": null
},
{
"date": "2025-11-19",
"price": 1245,
"listing": {
"status": "off_market",
"list_date": "2025-11-19T16:05:37Z",
"list_price": 1245,
"listing_id": "2988718879",
"last_update_date": "2025-11-19T16:05:37Z",
"last_status_change_date": "2025-11-20T23:08:50Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.6494522691705791,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "5826514",
"price_change_percentage": null
},
{
"date": "2009-07-26",
"price": 23900,
"listing": {
"status": "off_market",
"list_date": "2009-06-10T19:38:04Z",
"list_price": 23900,
"listing_id": "508964363",
"last_update_date": "2009-07-26T16:54:00Z",
"last_status_change_date": "2009-07-26T16:54:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "46 days",
"source_listing_id": "207999",
"price_change_percentage": null
},
{
"date": "2009-06-10",
"price": 23900,
"listing": {
"status": "off_market",
"list_date": "2009-06-10T19:38:04Z",
"list_price": 23900,
"listing_id": "508964363",
"last_update_date": "2009-07-26T16:54:00Z",
"last_status_change_date": "2009-07-26T16:54:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "207999",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8626725590",
"generated_at": "2026-02-16T23:17:07.551079Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 76.2
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/6a2de38f09a5259362bd2d403ed590c8l-m2249907263s-w1280.jpg",
"rent_price": 1341.0,
"loan_amount": 63200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1157-Rosewood-St_Jackson_MS_39212_M86267-25590",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 79000.0,
"loan_term_years": 30,
"annual_cash_flow": 12999.7,
"mortgage_monthly": 420.47,
"payment_standard": 1790.0,
"total_amount_out": 15800.0,
"additional_photos": [
"https://ap.rdcpix.com/6a2de38f09a5259362bd2d403ed590c8l-m2166085835s-w1280.jpg",
"https://ap.rdcpix.com/6a2de38f09a5259362bd2d403ed590c8l-m2111020094s-w1280.jpg",
"https://ap.rdcpix.com/6a2de38f09a5259362bd2d403ed590c8l-m2764935777s-w1280.jpg",
"https://ap.rdcpix.com/6a2de38f09a5259362bd2d403ed590c8l-m763550680s-w1280.jpg",
"https://ap.rdcpix.com/6a2de38f09a5259362bd2d403ed590c8l-m4191777299s-w1280.jpg",
"https://ap.rdcpix.com/6a2de38f09a5259362bd2d403ed590c8l-m3211827962s-w1280.jpg",
"https://ap.rdcpix.com/6a2de38f09a5259362bd2d403ed590c8l-m3282378130s-w1280.jpg",
"https://ap.rdcpix.com/6a2de38f09a5259362bd2d403ed590c8l-m587236399s-w1280.jpg",
"https://ap.rdcpix.com/6a2de38f09a5259362bd2d403ed590c8l-m3786882400s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 40.33,
"monthly_cash_flow": 1083.31,
"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": "Property has central heating. The property's utility details list 'Electricity Connected' but not 'Natural Gas Connected', indicating electric fuel. 'Electric' ($64) was chosen over 'Electric Heat Pump' ($24) as the more expensive option without specific confirmation of a heat pump system.",
"utility": "Heating",
"allowance": 64
},
{
"note": "The property includes 'Central Air' cooling as per the listing details.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "The property includes an oven. The fuel is assumed to be electric as natural gas is not mentioned as a connected utility.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Standard utility for a single-family home. The fuel is assumed to be electric as natural gas is not mentioned as a connected utility.",
"utility": "Water Heating",
"allowance": 37
},
{
"note": "The property is connected to a public water source.",
"utility": "Water",
"allowance": 116
},
{
"note": "The property is connected to a public sewer system.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Standard utility for a single-family home assumed to be the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Standard baseline electrical usage allowance for lights and general outlets.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "A refrigerator is not explicitly listed in the property's provided appliances, so it is assumed to be tenant-owned per the rules.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "A microwave is not explicitly listed in the property's provided appliances, so an allowance for a tenant-owned appliance is included per the rules.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.82,
"down_payment_amount": 15800.0,
"property_tax_annual": 999.1,
"property_tax_monthly": 83.26,
"property_tax_increase": 0.03,
"utility_allowance_total": 449.0,
"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": 7954.05,
"property_management_monthly": 134.1,
"monthly_cash_flow_after_debt": 662.84,
"cash_on_cash_return_after_debt": 0.5
},
"section8_assessment": {
"runs": [
{
"summary": "This 4BR brick ranch is in good, largely move-in condition with recent cosmetic updates, functioning kitchen appliances, central HVAC visible, and a sound exterior envelope. The likely inspection risks are limited to verification/installation of required detectors (smoke/CO), confirming GFCI protection in wet areas, and routine testing of HVAC, water heater and electrical panel. No major structural or life-safety defects are apparent from photos. With quick verification and small fixes (detectors, minor trim, door threshold, walk cleanup), the property is likely Section 8 / HCV inspection-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Interior appears recently refreshed: new-looking LVP flooring, painted walls and trim, intact ceilings and baseboards. Kitchen appliances (stove, refrigerator, dishwasher) are present though the stove is an older electric coil unit and some cabinet base trim shows minor damage. Laundry hookups present but no washer/dryer. Exterior brick is intact. Observable issues are cosmetic or minor repairs (cabinet trim, door bottom rust, general cleaning, walkway leaf/debris). Missing items are not safety failures and are easily remediable."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 75.0,
"rationale": "No visible exposed wiring, ceilings intact, no visible mold or active water intrusion, windows appear operable and of typical egress size for a ranch plan, entry doors have two locks visible (likely knob + deadbolt). GFCI outlets and carbon monoxide alarm locations are not visible in photos; smoke detector presence is not clearly shown though one round ceiling device may be a detector. Kitchen sink and fixtures appear intact. Because critical items (smoke/CO detectors, GFCI properly located near wet areas) are uncertain but easily verified/fixed, this is a moderate risk that can be resolved quickly."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Central HVAC registers are visible in living areas indicating a forced-air system; no obvious signs of HVAC failure. Roof appears intact from photos with shingles in reasonable condition and functioning gutters visible. Water heater, electrical panel and ages of major equipment are not shown; plumbing fixtures visible and kitchen appliances appear functional. Absent direct inspection, assume typical mid-life systems for a 1967 home that has been cosmetically updated. No visible active leaks or collapsed systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Brick exterior and foundation appear sound in photos; two-car garage present. Yard shows accumulated pine needles and light debris, and concrete walk has discoloration and minor cracking but no large trip hazards evident. Drainage slope away from house is not fully visible but no standing water is shown. Fencing and site boundaries look typical. Overall exterior neglect is minor and cosmetic."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Occupancy (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Smoke detectors exist or will be installed; at least one ceiling-mounted round device seen could be a detector but not confirmed.",
"Carbon monoxide detector requirements depend on fuel appliances; photos show an electric stove but water heater/furnace fuel type is unknown. If gas appliances exist, a CO alarm will be required.",
"Central HVAC is present and operational (supply registers visible); no evidence of non-functioning heating or cooling was seen.",
"Water heater and electrical panel are present and in working order though not photographed; no visible signs of leaks or panel hazards.",
"Bedroom windows meet egress requirements based on typical bedroom window sizes indicated by floorplan and photos, though exact measurements are not available.",
"No active roof leaks or interior water damage are present; ceilings appear intact with no stains visible."
],
"overall_score": 83.0,
"rubric_version": "NSPIRE-v1-2026"
},
{
"summary": "This 4BR ranch presents as largely turnkey for Section 8 / HCV tenancy with fresh paint, new-looking flooring, functioning kitchen appliances, central HVAC vents visible, and a solid brick exterior. Primary inspection risks are missing/undocumented life-safety items (smoke alarms, GFCI outlets) and undocumented major systems (electrical panel, water heater). These are typically addressable with targeted repairs/verification. Expect a likely pass after installation/verification of smoke detectors, verification of GFCI protection, and confirmation of operational HVAC/water heater/electrical panel.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently painted and flooring replaced (vinyl plank) with minimal visible wear. Kitchen cabinets show scuffs and a missing lower support/trim near stove; small cosmetic baseboard/trim issues at entry and laundry. Appliances present (stove, refrigerator, dishwasher); stove is older coil style but appears functional. Overall cosmetic defects are minor and repairable with low-cost work; no visible collapsed finishes or subfloor exposure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 72.0,
"rationale": "No active life‑threatening hazards visible (no collapsed ceilings, major water intrusion, or exposed wiring). Bedrooms have windows consistent with egress on the floorplan. Entry door has functioning knob and likely deadbolt (photo shows secondary lock). However, smoke alarms are not visible in any interior photos (required by NSPIRE), and GFCI protection at kitchen sink is not evident. Fireplace condition/venting not documented. These omissions create moderate inspection risk but are typically correctable prior to move‑in."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Ceiling supply/return vents visible, indicating central HVAC is present; no rooftop failures or obvious sagging observed on exterior photos. Roof appears intact from available angles. Plumbing hookups visible in laundry; kitchen sink and dishwasher installed. Electrical panel and water heater are not shown, so their condition is unknown. Given overall good cosmetic condition and visible HVAC vents, assume systems are functional but they are undocumented and warrant verification and likely standard servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 82.0,
"rationale": "Solid brick exterior with gutters in place; no visible foundation heave or large cracks in photos. Front walkway shows minor cracking and pine debris on lawn but no severe trip hazards. Two-car attached garage present and driveway access appears adequate. Yard maintenance will be needed but no structural exterior defects are evident."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors inside property photos — NSPIRE requires functioning smoke alarms in sleeping areas/outside sleeping areas/each level.",
"No obvious GFCI protection visible at kitchen sink area — GFCI required for kitchen outlets near sink.",
"Major systems (electrical panel, water heater) were not photographed/verified — unknown condition could cause inspection failure if defective."
],
"confidence": 0.66,
"assumptions": [
"Smoke/CO detectors are not present or not visible in photos; inspector will require properly located, functioning smoke alarms (and CO alarms if fuel-burning appliances are present).",
"Central HVAC is present and operational (supply/return vents visible), though the equipment (age/condition) was not photographed.",
"Water heater and electrical panel exist and are functional but were not shown; assumed serviceable unless inspection shows otherwise.",
"Fireplace is cosmetic or capped/unused; if intended for use, flue/chimney will require inspection and possibly a damper/cleaning.",
"Bedrooms have compliant egress windows per the floorplan and window photos, though measurements were not provided.",
"Minor cabinet/baseboard repairs and adding GFCI/smoke detectors are straightforward and will be completed before or during initial voucher inspection if required.",
"Rental history record indicates recent rental activity within 5 years and is counted as a positive factor."
],
"overall_score": 81.0,
"rubric_version": "nsPIRE-2025-v1"
},
{
"summary": "This 4BR brick ranch shows good turnkey potential for a Housing Choice Voucher tenant with mostly cosmetic and verification items remaining. Interior cosmetic wear and a few cabinet/trim issues are easy to fix. Appliances, laundry hookups, and HVAC registers are present. The main inspection risks are missing/unsupported evidence of functioning smoke and CO detectors, and no visible GFCI at the kitchen sink — these are straightforward corrections but are required for NSPIRE compliance. Major structural issues, active leaks, or electrical hazards were not evident in the photos. Expect to be rent-ready within ~1–3 weeks after installing/confirming detectors, verifying HVAC and hot water, and addressing a few minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Interior appears recently refreshed: new-looking vinyl plank flooring, fresh paint, intact trim and baseboards in most rooms. Kitchen has appliances (electric range, refrigerator, dishwasher) present; some cabinet kick/trim damage and scuffs at cabinet bases and entry door threshold are visible. No collapsed ceilings, major drywall damage, or exposed subfloor seen. These are mostly cosmetic and minor functional repairs that should be corrected quickly (cabinet touch-up, threshold/door repair, a few outlet/cover adjustments) but do not indicate major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, visible mold, or major water stains). There is no visible smoke detector or carbon monoxide detector in the photographed areas — NSPIRE requires functioning smoke detectors in hallways and sleeping areas and CO alarms where fuel-burning appliances or an attached garage exist. Door shown has two locks (knob + secondary lock) which suggests basic security; no exposed wiring visible; outlets and cover plates present. GFCI protection at kitchen sink is not visible in photos. Bedroom windows appear to provide egress but exact sill heights/dimensions cannot be confirmed from photos. To reach full compliance expect to install/verify smoke/CO detectors, confirm GFCI locations, and confirm egress dimensions."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC, plumbing, electrical, roof",
"score": 75.0,
"rationale": "Ceiling registers and vents are visible, indicating central HVAC/forced air is present; no visible signs of active HVAC failure (no standing condensation, no disconnected vents). Roofline appears straight and gutters are present; no visible roof sag or active leak stains on ceilings. Water heater and electrical panel are not pictured and were not inspected; plumbing fixtures (kitchen sink, laundry hookups) are visible and appear intact. Electric range and dishwasher are present and appear functional. Recommend verification/servicing of HVAC, inspection of water heater, and a visual check of the electrical panel prior to move-in."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Solid brick exterior with gutters and a straight roofline visible; two-car garage and attached storage/laundry area present. Front walkway shows normal wear and a narrow path but no large trip hazards visible in photos. Yard is mostly clear with some pine litter; fencing appears at rear in one photo. No obvious foundation cracks, large exterior deterioration, or standing water visible from provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photographed areas — NSPIRE requires functioning smoke detectors in sleeping area/hallway and CO alarms where applicable.",
"No visible GFCI-protected outlet at kitchen sink area in photos (may fail safety check if absent).",
"Water heater and electrical panel were not shown/verified in photos and must be inspected — the lack of visible major systems documentation is a compliance risk until verified."
],
"confidence": 0.7,
"assumptions": [
"Photos are representative of the entire unit and not hiding major damage in non-photographed rooms.",
"Central HVAC/forced-air system is present and functional (based on visible ceiling/room registers).",
"Roof has no hidden major failure since no interior ceiling stains or sagging are visible.",
"Bedrooms have code-acceptable egress windows based on visible window size and floorplan, but exact measurements were not provided.",
"Electrical panel and water heater exist in working condition though they were not shown in photos and should be verified.",
"No active pest infestation or concealed mold issues present beyond what can be seen in photos.",
"Listing appliances (range, fridge, dishwasher) are operative but should be tested during inspection."
],
"overall_score": 80.0,
"rubric_version": "ns-pire-2024-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1157 Rosewood St, Jackson, MS, 39212",
"aggregate": {
"summary": "This 4BR brick ranch is in good, largely move-in condition with recent cosmetic updates, functioning kitchen appliances, central HVAC visible, and a sound exterior envelope. The likely inspection risks are limited to verification/installation of required detectors (smoke/CO), confirming GFCI protection in wet areas, and routine testing of HVAC, water heater and electrical panel. No major structural or life-safety defects are apparent from photos. With quick verification and small fixes (detectors, minor trim, door threshold, walk cleanup), the property is likely Section 8 / HCV inspection-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.7,
"rationale": "Interior appears recently refreshed: new-looking LVP flooring, painted walls and trim, intact ceilings and baseboards. Kitchen appliances (stove, refrigerator, dishwasher) are present though the stove is an older electric coil unit and some cabinet base trim shows minor damage. Laundry hookups present but no washer/dryer. Exterior brick is intact. Observable issues are cosmetic or minor repairs (cabinet trim, door bottom rust, general cleaning, walkway leaf/debris). Missing items are not safety failures and are easily remediable."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick exterior and foundation appear sound in photos; two-car garage present. Yard shows accumulated pine needles and light debris, and concrete walk has discoloration and minor cracking but no large trip hazards evident. Drainage slope away from house is not fully visible but no standing water is shown. Fencing and site boundaries look typical. Overall exterior neglect is minor and cosmetic."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Occupancy (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.7,
"rationale": "No visible exposed wiring, ceilings intact, no visible mold or active water intrusion, windows appear operable and of typical egress size for a ranch plan, entry doors have two locks visible (likely knob + deadbolt). GFCI outlets and carbon monoxide alarm locations are not visible in photos; smoke detector presence is not clearly shown though one round ceiling device may be a detector. Kitchen sink and fixtures appear intact. Because critical items (smoke/CO detectors, GFCI properly located near wet areas) are uncertain but easily verified/fixed, this is a moderate risk that can be resolved quickly."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 73.3,
"rationale": "Central HVAC registers are visible in living areas indicating a forced-air system; no obvious signs of HVAC failure. Roof appears intact from photos with shingles in reasonable condition and functioning gutters visible. Water heater, electrical panel and ages of major equipment are not shown; plumbing fixtures visible and kitchen appliances appear functional. Absent direct inspection, assume typical mid-life systems for a 1967 home that has been cosmetically updated. No visible active leaks or collapsed systems."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Smoke detectors exist or will be installed; at least one ceiling-mounted round device seen could be a detector but not confirmed.",
"Carbon monoxide detector requirements depend on fuel appliances; photos show an electric stove but water heater/furnace fuel type is unknown. If gas appliances exist, a CO alarm will be required.",
"Central HVAC is present and operational (supply registers visible); no evidence of non-functioning heating or cooling was seen.",
"Water heater and electrical panel are present and in working order though not photographed; no visible signs of leaks or panel hazards.",
"Bedroom windows meet egress requirements based on typical bedroom window sizes indicated by floorplan and photos, though exact measurements are not available.",
"No active roof leaks or interior water damage are present; ceilings appear intact with no stains visible."
],
"score_method": "mean_of_criteria",
"overall_score": 76.2,
"rubric_version": "NSPIRE-v1-2026",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8626725590"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.