Property ID: 8647064387

1010 Deryll St, Jackson, MS, 39212

Jackson, MS

For Sale Feb 16, 2026 11:17 PM UTC Realtor Zillow Street View
Money Down: $11,976 CoC Return: 72.85% Monthly Cash Flow: $727
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$9,980
Closing Costs
$1,996
Total Down
$11,976
Primary property image

Investment Snapshot

Purchase Price
$49,900
Money Down
$11,976
Cash-on-Cash Return
72.85%
Rent
$1,245
Monthly Cash Flow
$727
Annual Cash Flow
$8,725
Debt Service / Mo
$266
Property Tax / Mo
$97
Insurance / Mo
$31

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,245
Payment Standard
$1,620
Rent
$1,245
Insurance
$31
Property Tax
$97
Management
$124
Utilities Allowance
$375
NOI (Monthly)
$993
Debt Service
$266
Cash Flow After Debt
$727

Quality Score: 71.50%

Confidence: 88.00%

Overall this 3BR/2BA single-family appears cosmetically sound and largely turnkey for Section 8 with minor to moderate repairs required. The biggest inspection risks are missing/not-visible smoke/CO alarms, uncertain GFCI protection in kitchen, and unverified HVAC/electrical/water‑heater operation — all are usually repairable within a short timeframe. Expect a likely pass once detectors, GFCI (if missing), door deadbolt, and a few finish repairs are completed and systems are confirmed operational.

Section 8 Payment Standard
$1,620
Utility Allowance Total
$375
Guaranteed Section 8 Rent (PS - Utilities)
$1,245
Property Management
$124

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$49,900
Beds
3
Baths
2
Living Area
1,143 sqft
Lot Size
11,326 sqft
Year Built
1989
Days on Market
25
Capital Outlay
$11,976
Debt Service
$266
Property Tax / Mo
$97
Insurance / Mo
$31

Property Description

3br/2ba home that was built in 1989. Great opportunity to add this home to your portfolio. Sold as is. Call your agent today!

Utility Allowances

Heating
$50
Property has 'Central' heating; electric fuel was assumed as it is the more expensive option on the schedule when the specific fuel type is not listed.
Cooking
$11
Property listing specifies a 'Free-Standing Electric Range', so the electric cooking allowance was used.
Water Heating
$29
Fuel type for water heating is not specified. Electric was chosen as it is a common option and has a higher allowance than natural gas.
Air Conditioning
$12
Property is listed as having 'Central Air', a tenant-paid utility.
Water
$104
Property listing indicates a 'Public' water source.
Sewer
$60
Property listing indicates 'Public Sewer'.
Trash Collection
$37
Trash collection is assumed to be a standard tenant-paid utility for a single-family home.
Other Electric
$69
Standard allowance for lights and general electric use.
Refrigerator
$0
The property listing includes a refrigerator, so there is no allowance for a tenant-owned appliance.
Range/Microwave
$3
The property provides a range, but a microwave is not listed. This allowance covers a tenant-owned microwave.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$353
DP3 Annual Estimate$389
DP1 Monthly Equivalent$29
DP3 Monthly Equivalent$32
Replacement Value$23,940
Basis1,143 sqft / 1989

Nearby Houses

Nearby house 1
Photo unavailable

1015 Brookley St

sold · 0.03 mi
Price: $20,000
3 bd / 2 ba · 1,125 sqft
Latest sale: — on Apr 12, 2024
Latest rent: $900 on Jan 05, 2021
Nearby house 2
Photo unavailable

1003 Deryll St

off_market · 0.03 mi
Price: $13,900
4 bd / 2 ba · 2,040 sqft
Latest sale: —
Latest rent: —
Nearby house 3
Photo unavailable

1011 Deryll St

sold · 0.03 mi
Price: $35,900
4 bd / — ba · 1,895 sqft
Latest sale: — on Feb 28, 2022
Latest rent: $825 on Apr 11, 2019
Nearby house 4
Photo unavailable

1027 Brookley St

sold · 0.04 mi
Price: $70,000
3 bd / 2 ba · 1,162 sqft
Latest sale: — on Mar 22, 2024
Latest rent: $1,460 on Apr 13, 2024
Nearby house 5
Photo unavailable

1019 Deryll St

sold · 0.05 mi
Price: $70,000
4 bd / 2 ba · 1,868 sqft
Latest sale: — on Mar 20, 2025
Latest rent: $1,190 on Dec 08, 2023
Nearby house 6
Photo unavailable

1027 Deryll St

sold · 0.06 mi
Price: $135,000
4 bd / 2 ba · 1,532 sqft
Latest sale: — on Jan 31, 2024
Latest rent: $1,200 on Feb 01, 2024
Nearby house 7
Photo unavailable

3320 Ridgeland Dr

for_sale · 0.06 mi
Price: $56,000
3 bd / 2 ba · 1,850 sqft
Latest sale: — on Oct 18, 2024
Latest rent: $1,225 on Aug 18, 2025
Nearby house 8
Photo unavailable

1043 Deryll St

for_sale · 0.09 mi
Price: $74,900
3 bd / 2 ba · 1,300 sqft
Latest sale: — on Jul 17, 2019
Latest rent: $950 on Jan 31, 2022
Nearby house 9
Photo unavailable

1038 Brookley St

sold · 0.09 mi
Price: $30,000
4 bd / 2 ba · 1,828 sqft
Latest sale: — on Feb 02, 2024
Latest rent: $1,250 on Sep 17, 2024
Nearby house 10
Photo unavailable

952 Palm St

for_sale · 0.10 mi
Price: $44,900
4 bd / 2 ba · 1,503 sqft
Latest sale: — on Dec 29, 2020
Latest rent: —
Nearby house 11
Photo unavailable

1039 Westway St

sold · 0.11 mi
Price: $46,000
4 bd / 2 ba · 1,722 sqft
Latest sale: — on Nov 10, 2023
Latest rent: $1,175 on Oct 17, 2023
Nearby house 12
Photo unavailable

1044 Cooper Rd

for_sale · 0.11 mi
Price: $84,900
3 bd / 2 ba · 1,210 sqft
Latest sale: — on Sep 03, 2024
Latest rent: $1,150 on Jul 10, 2025

Risk and Criteria Detail

Red Flags

  • success
  • No visible smoke detectors anywhere in listed interior photos (NSPIRE requires smoke alarms in designated locations).
  • No visible carbon monoxide alarm (if required by local code/fuel appliances).
  • No visible GFCI protection in kitchen — could be cited by inspection.
  • Dryer vent is disconnected/unsecured on the laundry room floor (needs proper attachment).
  • No deadbolt visible on entry door (landlord should confirm and install if missing).
  • Ceiling seam/patching visible in hallway/kitchen area — possible past water intrusion that should be investigated further.

Assumptions

  • Central HVAC exists (supply/return vents visible) and is operable, though the condensing unit/thermostat were not photographed.
  • Water heater and electrical panel are present and functional but were not shown in photos.
  • Smoke detectors and CO alarms are not installed (not visible), but can be added easily; absence would cause an inspector deficiency.
  • Kitchen outlets likely are standard; dedicated GFCI outlets/protection may be missing or not visible in photos.
  • Entry door has a working latch/lock; a deadbolt may not be installed (not visible in photos).
  • No evidence of active roof leaks, major foundation movement or structural sagging from available photos.
  • Appliances shown (stove, fridge) are included and currently present but their operational condition was not tested in photos.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,129 $38,940 $5,841
2023 $1,123 $38,940 $5,841
2021 $1,123 $38,940 $5,841
2020 $1,097 $38,250 $5,738
2019 $1,098 $38,250 $5,738
2018 $1,801 $63,420 $9,513
2017 $1,801 $63,420 $9,513
2016 $1,754 $63,420 $9,513
2015 $1,677 $62,460 $9,369
2014 $1,675 $62,460 $9,369
2013 $1,628 $62,460 $9,369
2012 $1,628 $62,460 $9,369
2011 $1,524 $59,320 $8,898
2010 $1,515 $59,320 $8,898
2009 $1,515 $59,320 $8,898
2008 $1,515 $50,780 $7,617
2007 $1,311 $50,780 $7,617

Sale History

DateEventPrice
2010-09-22 Sold

Rental History

DateEventPriceSource
2022-09-20 Listed for rent $950
2014-05-22 Listed for rent $450

Photo Gallery

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    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 49900.0,
    "loan_term_years": 30,
    "annual_cash_flow": 11912.13,
    "mortgage_monthly": 265.59,
    "payment_standard": 1620.0,
    "total_amount_out": 9980.0,
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    "down_payment_rate": 0.2,
    "insurance_monthly": 30.92,
    "monthly_cash_flow": 992.68,
    "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/"
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      "effective_date": "2025-12-01"
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    "utility_allowances": [
      {
        "note": "Property has 'Central' heating; electric fuel was assumed as it is the more expensive option on the schedule when the specific fuel type is not listed.",
        "utility": "Heating",
        "allowance": 50
      },
      {
        "note": "Property listing specifies a 'Free-Standing Electric Range', so the electric cooking allowance was used.",
        "utility": "Cooking",
        "allowance": 11
      },
      {
        "note": "Fuel type for water heating is not specified. Electric was chosen as it is a common option and has a higher allowance than natural gas.",
        "utility": "Water Heating",
        "allowance": 29
      },
      {
        "note": "Property is listed as having 'Central Air', a tenant-paid utility.",
        "utility": "Air Conditioning",
        "allowance": 12
      },
      {
        "note": "Property listing indicates a 'Public' water source.",
        "utility": "Water",
        "allowance": 104
      },
      {
        "note": "Property listing indicates 'Public Sewer'.",
        "utility": "Sewer",
        "allowance": 60
      },
      {
        "note": "Trash collection is assumed to be a standard tenant-paid utility for a single-family home.",
        "utility": "Trash Collection",
        "allowance": 37
      },
      {
        "note": "Standard allowance for lights and general electric use.",
        "utility": "Other Electric",
        "allowance": 69
      },
      {
        "note": "The property listing includes a refrigerator, so there is no allowance for a tenant-owned appliance.",
        "utility": "Refrigerator",
        "allowance": 0
      },
      {
        "note": "The property provides a range, but a microwave is not listed. This allowance covers a tenant-owned microwave.",
        "utility": "Range/Microwave",
        "allowance": 3
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    "down_payment_amount": 9980.0,
    "property_tax_annual": 1162.87,
    "property_tax_monthly": 96.91,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 375.0,
    "property_management_rate": 0.1,
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    "runs": [
      {
        "summary": "Overall this 3BR/2BA single-family appears cosmetically sound and largely turnkey for Section 8 with minor to moderate repairs required. The biggest inspection risks are missing/not-visible smoke/CO alarms, uncertain GFCI protection in kitchen, and unverified HVAC/electrical/water‑heater operation — all are usually repairable within a short timeframe. Expect a likely pass once detectors, GFCI (if missing), door deadbolt, and a few finish repairs are completed and systems are confirmed operational.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 75.0,
            "rationale": "Interior appears recently painted and has new-ish vinyl plank flooring with some scuffs and a few localized damaged spots visible in living area. Kitchen and appliances (stove, refrigerator) are present; cabinets show surface wear but are functional. Laundry hookups are in place though dryer vent is detached in the laundry room. Overall cosmetic condition is good-to-fair; mostly minor repairs and cleaning required to be tenant-ready."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk",
            "score": 60.0,
            "rationale": "No smoke detectors or CO alarms are visible in the photos (required in hallways/bedrooms per NSPIRE/local codes) and no GFCI outlets are apparent in the kitchen photos. Windows appear adequate for egress in bedrooms. No exposed wiring, loose handrails, collapsed ceilings, or visible significant mold observed. Entry door hardware shows a knob; no deadbolt is visible in photos. These missing/unknown safety items are typical, fixable failures but would likely draw a deficiency on an initial inspection if not addressed prior to inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems / Mechanical",
            "score": 70.0,
            "rationale": "Supply/return HVAC vents visible in ceilings indicate a central HVAC system likely present, but the unit and thermostat were not photographed so operational status is unconfirmed. Kitchen plumbing, sink and toilet appear intact; no active leaks visible. Roof appears intact from the front elevation photo with no visible sagging. Electrical panel and water heater are not shown; condition assumed typical. Overall moderate confidence systems are functional but require verification (HVAC operation, water heater, electrical panel)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior / Site Condition",
            "score": 80.0,
            "rationale": "Exterior shows neat lawn, intact siding and roofline, and a usable driveway/carport. Minor driveway cracking and some overgrowth beside carport at the right side are visible but do not present an immediate inspection failure. Yard, walkways and entry appear safe and free of trip hazards."
          },
          {
            "key": "rental_history_activity",
            "label": "Rental history (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 anywhere in listed interior photos (NSPIRE requires smoke alarms in designated locations).",
          "No visible carbon monoxide alarm (if required by local code/fuel appliances).",
          "No visible GFCI protection in kitchen — could be cited by inspection.",
          "Dryer vent is disconnected/unsecured on the laundry room floor (needs proper attachment).",
          "No deadbolt visible on entry door (landlord should confirm and install if missing).",
          "Ceiling seam/patching visible in hallway/kitchen area — possible past water intrusion that should be investigated further."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Central HVAC exists (supply/return vents visible) and is operable, though the condensing unit/thermostat were not photographed.",
          "Water heater and electrical panel are present and functional but were not shown in photos.",
          "Smoke detectors and CO alarms are not installed (not visible), but can be added easily; absence would cause an inspector deficiency.",
          "Kitchen outlets likely are standard; dedicated GFCI outlets/protection may be missing or not visible in photos.",
          "Entry door has a working latch/lock; a deadbolt may not be installed (not visible in photos).",
          "No evidence of active roof leaks, major foundation movement or structural sagging from available photos.",
          "Appliances shown (stove, fridge) are included and currently present but their operational condition was not tested in photos."
        ],
        "overall_score": 71.0,
        "rubric_version": "ns_p_v1.0"
      },
      {
        "summary": "Overall this 3BR/2BA single-family appears mostly cosmetically clean and structurally intact in photos — kitchen appliances present, floors and finishes recently refreshed, exterior and roof look serviceable. The primary NSPIRE risks are missing/uncertain smoke and CO detectors, unverified GFCI protection, and unconfirmed operational status of HVAC, water heater and electrical panel. These are generally addressable within a short timeline; the home is likely to become Section 8 rent-ready within 2–6 weeks with targeted fixes (install alarms/GFCIs, reconnect dryer vent, minor floor/trim touch-ups, confirm HVAC/water heater operation).",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 75.0,
            "rationale": "Interior photos show an overall clean, recently painted interior with new-ish vinyl plank flooring. Visible issues are mainly cosmetic: scuffs/stains on flooring, blinds damaged, minor cabinet wear, a few ceiling seams/patch lines and surface dirt/debris. Kitchen appliances (electric stove and refrigerator) are present. Laundry area has dryer vent disconnected (on-floor). No collapsed ceilings, large holes, or exposed structural elements visible. These are mostly easy-to-fix or cosmetic and would not typically require major rehab."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 65.0,
            "rationale": "No obvious life-threatening hazards visible (no exposed wiring, no collapsed ceilings, floors look even). Bedroom windows appear sized for egress. Entry door appears secure, but a deadbolt is not clearly visible in photos. Smoke detectors and carbon monoxide detectors are not visible in photos (likely absent or not shown) — missing detectors are a common initial inspection failure. GFCI outlets in kitchen/baths are not visible. Plumbing fixtures (toilet, sinks) are present; no active leaks or major mold staining observed. Because required alarms/outlet protections cannot be confirmed from photos, there is moderate NSPIRE risk that will require quick corrections prior to inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems & mechanical condition",
            "score": 70.0,
            "rationale": "Ceiling HVAC supply/return vents are visible, indicating central HVAC likely present. No obvious major roof failure visible from the exterior photo; roof appears intact with no sagging. Water heater and electrical panel are not shown. Appliances in kitchen are electric (no visible gas connections). No visible drainage or foundation movement issues from exterior photo. Because key equipment (HVAC operating status, water heater, electrical panel) cannot be verified from images, moderate system risk remains but visuals show no immediate catastrophic system failures."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope & site condition",
            "score": 80.0,
            "rationale": "Exterior facade and roofline look intact; siding/trim appear painted and in good shape. Yard is maintained and level; driveway has some cracking but is serviceable and there is a covered carport. Trees are near the house (should be monitored) but no visible active water pooling, major foundation cracking, or exterior structural distress present in the provided photos."
          },
          {
            "key": "rental_history_activity",
            "label": "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": [],
        "confidence": 0.72,
        "assumptions": [
          "Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or not shown and will need verification/installation.",
          "Central HVAC exists (visible ceiling vents) but operational status (heating/cooling) is unknown; assume inspection will require proof of functionality.",
          "Electrical panel and main service are present but not pictured; assume no visible evidence of hazardous wiring in staged areas.",
          "Water heater is present but not shown; assume hot water availability must be verified prior to inspection.",
          "No active roof leaks are visible from exterior; the ceiling seams/patches are assumed to be cosmetic or prior repairs rather than active sagging or current leaks.",
          "Windows provide required bedroom egress based on size visible in photos, but measurements were not taken and must be confirmed on-site.",
          "GFCI protection in kitchen/bath is not visible; assume outlets may lack GFCI and could require installation to pass inspection.",
          "Front door has standard locks; presence of a keyed deadbolt is unconfirmed and may need installation if absent.",
          "Laundry hookups are present; dryer vent is disconnected and will need proper installation/securement."
        ],
        "overall_score": 75.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This 3BR/2BA single-family shows good curb appeal and mostly sound interior condition with cosmetic wear, functioning kitchen appliances present, and central HVAC registers visible. Primary NSPIRE risks are absence of visible smoke/CO detectors, non-GFCI verification, a disconnected dryer vent, and an interior ceiling seam/discoloration that suggests a past leak requiring confirmation that it is repaired and dry. With targeted corrections (install/verify smoke & CO alarms, secure dryer vent, confirm GFCI protection, verify HVAC/water heater/panel operation, and confirm ceiling/roof leak resolution) the property is likely rent-ready and able to pass an initial HCV/NSPIRE inspection within 2–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior appears mostly intact and recently painted with new/acceptable LVP flooring, functioning kitchen appliances (stove, refrigerator) present, and cabinets in fair condition. Visible scuffs/stains on floors and small areas of cosmetic damage (peeling paint at baseboards, cabinet wear). Laundry area shows disconnected dryer vent and some debris. These are mostly cosmetic or simple trade repairs; no large areas of exposed subfloor or collapsed surfaces visible."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 65.0,
            "rationale": "No obvious electrical hazards or exposed wiring in photos; entry door has a lock and appears secure. Ceiling and HVAC vents present. However, no smoke detectors or carbon monoxide alarm are visible in photos (NSPIRE requires working smoke detectors), GFCI outlets in kitchen/bath not visible, and dryer vent is detached (fire risk). Window sizes look adequate for bedroom light/egress but egress compliance cannot be fully verified from photos. These issues create moderate NSPIRE risk and would likely require corrections before final pass."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, plumbing, electrical, roof)",
            "score": 65.0,
            "rationale": "Ceiling vents indicate central HVAC present but system operation/age is unverified. No water heater or electrical panel pictured. Kitchen and bath plumbing fixtures appear installed; toilets and sinks present. Roof from exterior photos looks intact with no visible major sagging or active leaks, but an interior ceiling seam/discoloration above kitchen/living suggests a prior roof or plumbing leak that may have been patched. Overall systems likely functional but unconfirmed; moderate risk until HVAC, water heater, and panel are verified and ceiling patch confirmed as dry."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 85.0,
            "rationale": "Exterior shows good curb appeal: siding/paint looks recently refreshed, roofline even, yard mowed, and driveway/carport serviceable. Walkway/driveway show light cracking but no trip-hazard scale damage visible. No signs of major foundation movement, standing water, or exterior structural distress in provided photos."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental History (last 5 years) - 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 alarms in interior photos (NSPIRE fail if absent).",
          "Interior ceiling seam/discoloration above kitchen/hall — evidence of past leak that must be confirmed dry and repaired.",
          "Detached dryer vent hose (fire/CO risk and must be secured to code).",
          "GFCI protection at kitchen and bathroom outlets not visible — may fail NSPIRE if missing or nonfunctional."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Central HVAC exists and vents pictured are connected to a functioning system; operation has not been tested in photos.",
          "Water heater and electrical panel are present and serviceable though not shown in the photos.",
          "Kitchen stove and refrigerator pictured are present on site and likely functional but not guaranteed.",
          "No active roof leaks are occurring now; interior ceiling seam/discoloration represents a prior leak that appears patched but needs confirmation.",
          "Windows provide adequate bedroom egress based on size/placement visible in photos.",
          "No visible mold, pest infestation, or major foundation movement beyond what is visible in provided photos."
        ],
        "overall_score": 77.0,
        "rubric_version": "nsPIRE-analyst-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "1010 Deryll St, Jackson, MS, 39212",
    "aggregate": {
      "summary": "Overall this 3BR/2BA single-family appears cosmetically sound and largely turnkey for Section 8 with minor to moderate repairs required. The biggest inspection risks are missing/not-visible smoke/CO alarms, uncertain GFCI protection in kitchen, and unverified HVAC/electrical/water‑heater operation — all are usually repairable within a short timeframe. Expect a likely pass once detectors, GFCI (if missing), door deadbolt, and a few finish repairs are completed and systems are confirmed operational.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition / Repairs",
          "score": 75.0,
          "rationale": "Interior appears recently painted and has new-ish vinyl plank flooring with some scuffs and a few localized damaged spots visible in living area. Kitchen and appliances (stove, refrigerator) are present; cabinets show surface wear but are functional. Laundry hookups are in place though dryer vent is detached in the laundry room. Overall cosmetic condition is good-to-fair; mostly minor repairs and cleaning required to be tenant-ready."
        },
        {
          "key": "exterior_site",
          "label": "Exterior / Site Condition",
          "score": 81.7,
          "rationale": "Exterior shows neat lawn, intact siding and roofline, and a usable driveway/carport. Minor driveway cracking and some overgrowth beside carport at the right side are visible but do not present an immediate inspection failure. Yard, walkways and entry appear safe and free of trip hazards."
        },
        {
          "key": "rental_history_activity",
          "label": "Rental history (last 5 years)",
          "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 Risk",
          "score": 63.3,
          "rationale": "No smoke detectors or CO alarms are visible in the photos (required in hallways/bedrooms per NSPIRE/local codes) and no GFCI outlets are apparent in the kitchen photos. Windows appear adequate for egress in bedrooms. No exposed wiring, loose handrails, collapsed ceilings, or visible significant mold observed. Entry door hardware shows a knob; no deadbolt is visible in photos. These missing/unknown safety items are typical, fixable failures but would likely draw a deficiency on an initial inspection if not addressed prior to inspection."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems / Mechanical",
          "score": 68.3,
          "rationale": "Supply/return HVAC vents visible in ceilings indicate a central HVAC system likely present, but the unit and thermostat were not photographed so operational status is unconfirmed. Kitchen plumbing, sink and toilet appear intact; no active leaks visible. Roof appears intact from the front elevation photo with no visible sagging. Electrical panel and water heater are not shown; condition assumed typical. Overall moderate confidence systems are functional but require verification (HVAC operation, water heater, electrical panel)."
        }
      ],
      "red_flags": [
        "No visible smoke detectors anywhere in listed interior photos (NSPIRE requires smoke alarms in designated locations).",
        "No visible carbon monoxide alarm (if required by local code/fuel appliances).",
        "No visible GFCI protection in kitchen — could be cited by inspection.",
        "Dryer vent is disconnected/unsecured on the laundry room floor (needs proper attachment).",
        "No deadbolt visible on entry door (landlord should confirm and install if missing).",
        "Ceiling seam/patching visible in hallway/kitchen area — possible past water intrusion that should be investigated further."
      ],
      "confidence": 0.88,
      "assumptions": [
        "Central HVAC exists (supply/return vents visible) and is operable, though the condensing unit/thermostat were not photographed.",
        "Water heater and electrical panel are present and functional but were not shown in photos.",
        "Smoke detectors and CO alarms are not installed (not visible), but can be added easily; absence would cause an inspector deficiency.",
        "Kitchen outlets likely are standard; dedicated GFCI outlets/protection may be missing or not visible in photos.",
        "Entry door has a working latch/lock; a deadbolt may not be installed (not visible in photos).",
        "No evidence of active roof leaks, major foundation movement or structural sagging from available photos.",
        "Appliances shown (stove, fridge) are included and currently present but their operational condition was not tested in photos."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 71.5,
      "rubric_version": "ns_p_v1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8647064387"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.