Property ID: 8671883505
3114 Suncrest Dr, Jackson, MS, 39212
Jackson, MS
Money Down: $15,576
CoC Return: 53.73%
Monthly Cash Flow: $697
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$12,980
Closing Costs
$2,596
Total Down
$15,576
Investment Snapshot
Purchase Price
$64,900
Money Down
$15,576
Cash-on-Cash Return
53.73%
Rent
$1,341
Monthly Cash Flow
$697
Annual Cash Flow
$8,369
Debt Service / Mo
$345
Property Tax / Mo
$124
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
$124
Management
$134
Utilities Allowance
$449
NOI (Monthly)
$1,043
Debt Service
$345
Cash Flow After Debt
$697
Quality Score: 65.70%
Confidence: 79.00%
Overall this 4-bed/2-bath single-family home appears moderately ready for Section 8 but requires a handful of targeted repairs and verifications. The unit shows fresh paint and functioning systems likely present (HVAC vents visible and tenant-occupied), but uneven/buckling flooring, older bathroom tile, ceiling staining indicating prior leak, possible inadequate egress window sizes for bedrooms, and missing/uncertain GFCI/CO protection are the main inspection risks. With focused corrective work (floor repair/replacement, verify/repair egress, correct GFCI and CO detectors, investigate and repair any roof/leak issues, trim vegetation), the property should be rent-ready within ~30 days. Tenant-occupied status and recent Section 8 payments increase confidence that major systems are functioning today.
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
$64,900
Beds
4
Baths
2
Living Area
1,432 sqft
Lot Size
12,197 sqft
Year Built
1962
Days on Market
5
Capital Outlay
$15,576
Debt Service
$345
Property Tax / Mo
$124
Insurance / Mo
$40
Property Description
Spacious 4 bedroom, 2 bathroom single-family home currently tenant-occupied with rental income in place. Tenant is current, with Section 8 providing a substantial portion of the monthly rent, offering a stable payment structure for an investor. Do not disturb the tenant. Showings by appointment only with accepted offer and verified proof of funds. (Photos were taken just before the tenant moved in)
Utility Allowances
Air Conditioning
$16
Property has 'Central Air' cooling; selected the allowance for a 4-bedroom unit from the schedule.
Heating
$64
Property has 'Forced Air' heating. Fuel type was not specified. Electric was chosen as it is confirmed available and is more expensive than the Natural Gas option.
Cooking
$14
Fuel source for cooking was not specified. Electric was chosen as it is confirmed available and is the more expensive option compared to Natural Gas.
Water Heating
$37
The water heater's fuel source was not specified. Electric was chosen as it is confirmed available and is the more expensive option compared to Natural Gas.
Water
$116
Property information states the water source is 'Public'. Allowance selected from the fixed schedule for a 4-bedroom unit.
Sewer
$70
Property information states 'Public Sewer'. Allowance selected from the fixed schedule for a 4-bedroom unit.
Trash Collection
$37
Standard fixed allowance for a single-family home, assumed to be a tenant responsibility.
Other Electric
$88
Standard fixed allowance for general electricity use (lights, outlets) for a 4-bedroom unit.
Refrigerator
$4
A refrigerator is not listed as a provided appliance, so it is treated as a tenant-owned utility.
Range/Microwave
$3
A range or microwave is not listed as a provided appliance, so it is treated as a tenant-owned utility.
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$465
DP3 Annual Estimate$487
DP1 Monthly Equivalent$39
DP3 Monthly Equivalent$41
Replacement Value$34,970
Basis1,432 sqft / 1962
Nearby Houses
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3121 Woodville Cir
sold · 0.03 mi
Price: $80,000
4 bd / 3 ba · 1,872 sqft
Latest sale: — on Sep 19, 2025
Latest rent: —
Photo unavailable
1056 Woodville Dr
sold · 0.04 mi
Price: $52,500
3 bd / 2 ba · 1,800 sqft
Latest sale: — on May 24, 2024
Latest rent: $1,000 on Jul 19, 2020
Photo unavailable
3152 Fleetwood Dr
sold · 0.06 mi
Price: $59,900
3 bd / 2 ba · 1,645 sqft
Latest sale: — on Oct 21, 2024
Latest rent: $775 on Jan 12, 2016
Photo unavailable
3116 Woodville Cir
sold · 0.06 mi
Price: $85,900
3 bd / 2 ba · 1,562 sqft
Latest sale: — on Sep 09, 2022
Latest rent: —
Photo unavailable
3128 Woodville Cir
sold · 0.06 mi
Price: $85,000
3 bd / 2 ba · 1,059 sqft
Latest sale: — on Jul 12, 2022
Latest rent: —
Photo unavailable
3164 Fleetwood Dr
for_sale · 0.07 mi
Price: $72,500
3 bd / 2 ba · 1,182 sqft
Latest sale: — on Jul 20, 2023
Latest rent: $1,330 on Aug 04, 2023
Photo unavailable
3110 Woodville Cir
sold · 0.07 mi
Price: $70,000
3 bd / 3 ba · 2,150 sqft
Latest sale: — on Dec 31, 2025
Latest rent: $1,500 on Jan 29, 2026
Photo unavailable
3144 Fleetwood Dr
for_sale · 0.07 mi
Price: $62,000
3 bd / 2 ba · 1,204 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3134 Woodville Cir
sold · 0.07 mi
Price: $40,900
4 bd / 2 ba · 1,107 sqft
Latest sale: — on Feb 23, 2024
Latest rent: $1,495 on Jul 13, 2024
Photo unavailable
1057 Woodville Dr
sold · 0.08 mi
Price: $69,900
3 bd / 1 ba · 1,253 sqft
Latest sale: — on Sep 12, 2022
Latest rent: —
Photo unavailable
1051 Woodville Dr
sold · 0.09 mi
Price: $65,000
3 bd / 2 ba · 1,936 sqft
Latest sale: — on Jan 25, 2024
Latest rent: $900 on Oct 10, 2018
Photo unavailable
1111 Woodville Dr
sold · 0.09 mi
Price: $129,999
3 bd / 2 ba · 1,323 sqft
Latest sale: — on Oct 16, 2024
Latest rent: —
Photo unavailable
1090 Branch St
sold · 0.10 mi
Price: $65,000
3 bd / 2 ba · 1,560 sqft
Latest sale: — on Jan 14, 2025
Latest rent: $1,765 on Jul 19, 2025
Risk and Criteria Detail
Red Flags
- success
- Ceiling stain in living area — potential roof or plumbing leak (active leak must be ruled out).
- Multiple floor planks are cupped/lifting — trip hazard and may indicate moisture underlayment issues.
- Possible inadequate bedroom egress (small windows) — common Section 8 fail if not meeting size/operability requirements.
- No visible GFCI protection in bathrooms/kitchen and no visible CO alarm — likely code/NSPIRE items to install.
- Large trees and overgrown shrubs immediately adjacent to roof/structure (risk for future roof damage, blocked gutters, pest access).
Assumptions
- Central forced-air HVAC is present and operational (inferred from ceiling supply registers and tenant occupancy); no separate heating unit was photographed.
- Hot water and water heater are operational but not photographed; tenant occupancy and active rent payments imply functioning hot water.
- Electrical service and panel are present and intact though not photographed; no visible exposed wiring inside photos.
- Smoke detector visible in one room is functional; additional detectors and carbon monoxide alarms may be missing and should be installed if required.
- Kitchen appliances are present or were present (a refrigerator is partially visible in one interior photo); however appliance condition/age is unknown.
- Bedroom window sizes/egress functionality cannot be confirmed from photos; I assume at least one bedroom may be marginal for egress based on small window sizes visible.
- Ceiling stain represents prior water intrusion; source (roof, plumbing, HVAC) is unknown and will require on-site investigation.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,449 | $49,970 | $7,496 |
| 2023 | $1,441 | $49,970 | $7,496 |
| 2021 | $1,442 | $49,970 | $7,496 |
| 2020 | $1,424 | $49,650 | $7,448 |
| 2019 | $1,426 | $49,650 | $7,448 |
| 2018 | $1,410 | $49,650 | $7,448 |
| 2017 | $1,410 | $49,650 | $7,448 |
| 2016 | $1,373 | $49,650 | $7,448 |
| 2015 | $1,478 | $55,040 | $8,256 |
| 2014 | $1,476 | $55,040 | $8,256 |
| 2013 | $1,435 | $55,040 | $8,256 |
| 2012 | $1,435 | $55,040 | $8,256 |
| 2011 | $1,489 | $57,960 | $8,694 |
| 2010 | $1,481 | $57,960 | $8,694 |
| 2009 | $1,481 | $57,960 | $8,694 |
| 2008 | $1,481 | $47,000 | $7,050 |
| 2007 | $1,213 | $47,000 | $7,050 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Listed | $64,900 |
| 2026-01-02 | Listing removed | $0 |
| 2025-08-13 | Price Changed | $65,000 |
| 2025-06-26 | Price Changed | $70,000 |
| 2025-06-05 | Listed | $75,000 |
| 2024-11-02 | Listing removed | $0 |
| 2024-09-21 | Listed for rent | $1,350 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-09-20 | Listed for rent | $1,350 | — |
| 2024-07-05 | Listed for rent | $1,550 | — |
Photo Gallery
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"Tax Year: 2024",
"Source Property Type: Residential",
"Source Neighborhood: Woodville Heights",
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"Levels: One",
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"assessment": {
"land": 2250,
"total": 8694,
"building": 6444
}
},
{
"tax": 1481,
"year": 2008,
"market": {
"land": 9000,
"total": 47000,
"building": 38000
},
"assessment": {
"land": 1350,
"total": 7050,
"building": 5700
}
},
{
"tax": 1213,
"year": 2007,
"market": {
"land": 9000,
"total": 47000,
"building": 38000
},
"assessment": {
"land": 1350,
"total": 7050,
"building": 5700
}
}
],
"property_history": [
{
"date": "2026-02-11",
"price": 64900,
"listing": {
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"list_price": 64900,
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{
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"listing": {
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"price_change": 0,
"days_after_listed": "211 days",
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{
"date": "2025-08-13",
"price": 65000,
"listing": {
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"list_date": "2025-06-05T22:24:55Z",
"list_price": 65000,
"listing_id": "2982774333",
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{
"date": "2025-06-26",
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"listing": {
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"list_price": 65000,
"listing_id": "2982774333",
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"last_status_change_date": "2026-01-02T06:21:56Z"
},
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"price_change": -5000,
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"source_listing_id": "4115462",
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{
"date": "2025-06-05",
"price": 75000,
"listing": {
"status": "off_market",
"list_date": "2025-06-05T22:24:55Z",
"list_price": 65000,
"listing_id": "2982774333",
"last_update_date": "2025-08-13T19:58:08Z",
"last_status_change_date": "2026-01-02T06:21:56Z"
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"source_listing_id": "4115462",
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{
"date": "2024-11-02",
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"status": "off_market",
"list_date": null,
"list_price": 1350,
"listing_id": "2972408130",
"last_update_date": "2024-09-20T23:14:08Z",
"last_status_change_date": "2024-11-02T00:42:08Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "ShowMojo",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "e0cb9af059",
"price_change_percentage": null
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{
"date": "2024-09-21",
"price": 1350,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1350,
"listing_id": "2972408130",
"last_update_date": "2024-09-20T23:14:08Z",
"last_status_change_date": "2024-11-02T00:42:08Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.9427374301675978,
"source_name": "ShowMojo",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "e0cb9af059",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8671883505",
"generated_at": "2026-02-16T23:17:26.860386Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.7
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/d73388d1f912128442752992f792cca9l-m3789749019s-w1280.jpg",
"rent_price": 1341.0,
"loan_amount": 51920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3114-Suncrest-Dr_Jackson_MS_39212_M86718-83505",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 64900.0,
"loan_term_years": 30,
"annual_cash_flow": 12514.33,
"mortgage_monthly": 345.43,
"payment_standard": 1790.0,
"total_amount_out": 12980.0,
"additional_photos": [
"https://ap.rdcpix.com/d73388d1f912128442752992f792cca9l-m1560244849s-w1280.jpg",
"https://ap.rdcpix.com/d73388d1f912128442752992f792cca9l-m542262401s-w1280.jpg",
"https://ap.rdcpix.com/d73388d1f912128442752992f792cca9l-m3293325428s-w1280.jpg",
"https://ap.rdcpix.com/d73388d1f912128442752992f792cca9l-m1367960297s-w1280.jpg",
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"https://ap.rdcpix.com/d73388d1f912128442752992f792cca9l-m2575350845s-w1280.jpg",
"https://ap.rdcpix.com/d73388d1f912128442752992f792cca9l-m3153681858s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 39.67,
"monthly_cash_flow": 1042.86,
"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 Air' cooling; selected the allowance for a 4-bedroom unit from the schedule.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Property has 'Forced Air' heating. Fuel type was not specified. Electric was chosen as it is confirmed available and is more expensive than the Natural Gas option.",
"utility": "Heating",
"allowance": 64
},
{
"note": "Fuel source for cooking was not specified. Electric was chosen as it is confirmed available and is the more expensive option compared to Natural Gas.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "The water heater's fuel source was not specified. Electric was chosen as it is confirmed available and is the more expensive option compared to Natural Gas.",
"utility": "Water Heating",
"allowance": 37
},
{
"note": "Property information states the water source is 'Public'. Allowance selected from the fixed schedule for a 4-bedroom unit.",
"utility": "Water",
"allowance": 116
},
{
"note": "Property information states 'Public Sewer'. Allowance selected from the fixed schedule for a 4-bedroom unit.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "Standard fixed allowance for a single-family home, assumed to be a tenant responsibility.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Standard fixed allowance for general electricity use (lights, outlets) for a 4-bedroom unit.",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "A refrigerator is not listed as a provided appliance, so it is treated as a tenant-owned utility.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "A range or microwave is not listed as a provided appliance, so it is treated as a tenant-owned utility.",
"utility": "Range/Microwave",
"allowance": 3
}
],
"cash_on_cash_return": 0.96,
"down_payment_amount": 12980.0,
"property_tax_annual": 1492.47,
"property_tax_monthly": 124.37,
"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": 8369.23,
"property_management_monthly": 134.1,
"monthly_cash_flow_after_debt": 697.44,
"cash_on_cash_return_after_debt": 0.64
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 4-bed/2-bath single-family home appears moderately ready for Section 8 but requires a handful of targeted repairs and verifications. The unit shows fresh paint and functioning systems likely present (HVAC vents visible and tenant-occupied), but uneven/buckling flooring, older bathroom tile, ceiling staining indicating prior leak, possible inadequate egress window sizes for bedrooms, and missing/uncertain GFCI/CO protection are the main inspection risks. With focused corrective work (floor repair/replacement, verify/repair egress, correct GFCI and CO detectors, investigate and repair any roof/leak issues, trim vegetation), the property should be rent-ready within ~30 days. Tenant-occupied status and recent Section 8 payments increase confidence that major systems are functioning today.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted and generally tidy; kitchen (partial) and bathrooms present. Visible issues: multiple plank floors are cupped/uneven or lifting in many rooms (trip hazard and will require repair or replacement of flooring planks/installation corrections), folding closet doors and some trim show wear, bathroom tile/grout and tub areas show staining/age and need regrouting/cleaning or minor replacement, driveway has cracking and vegetation encroachment. No large-scale demolition or structural collapse visible. Missing or aged fixtures are mostly cosmetic/capital in nature. Because missing appliances alone are not catastrophic and most issues are repairable within weeks, this scores in the 'minor repairs' range."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE focus)",
"score": 65.0,
"rationale": "Positive: at least one smoke detector is visible (photo above a bedroom closet) and outlets have covers. HVAC supply registers visible indicating forced-air present. No obvious exposed wiring, open electrical panels, or collapsed ceilings seen. Concerns: small bedroom windows (some look undersized) could fail egress requirements — egress sizing cannot be confirmed from photos and is a common Section 8 fail; bathroom and kitchen GFCI outlets are not visible (likely missing), and no CO detector is visible (required where fuel-burning appliances are present). Ceiling discoloration/stain above living area suggests prior or ongoing water intrusion which requires investigation. Overall there are moderate NSPIRE risk items that should be verified and corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof, Water Heater)",
"score": 70.0,
"rationale": "Evidence of central forced-air (ceiling vents) suggests HVAC is present; property is tenant-occupied with Section 8 rental income which implies systems are operational today. Roof appears to be metal or newer roof panels with no obvious sagging from exterior photo, but large trees overhang the roof (increases future risk). Plumbing fixtures present in both bathrooms; no visible active leaks in photos but ceiling stain indicates a past leak that should be investigated. Electrical panel and water heater were not photographed so their condition is unknown. Given tenant-occupied status and absence of visible major system failure, systems score as functioning but requiring verification (service records or in-person tests) and minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior shows intact siding and a covered carport; roof surface appears intact in the photo. Site issues: overgrown shrubs and trees close to the structure (can cause roof/soffit damage and pest access), cracked and stained driveway, and general landscaping neglect. No obvious foundation settlement or major exterior structural damage is visible from provided photos, but vegetation and driveway condition are maintenance items that should be addressed."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Section 8 Activity",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Ceiling stain in living area — potential roof or plumbing leak (active leak must be ruled out).",
"Multiple floor planks are cupped/lifting — trip hazard and may indicate moisture underlayment issues.",
"Possible inadequate bedroom egress (small windows) — common Section 8 fail if not meeting size/operability requirements.",
"No visible GFCI protection in bathrooms/kitchen and no visible CO alarm — likely code/NSPIRE items to install.",
"Large trees and overgrown shrubs immediately adjacent to roof/structure (risk for future roof damage, blocked gutters, pest access)."
],
"confidence": 0.68,
"assumptions": [
"Central forced-air HVAC is present and operational (inferred from ceiling supply registers and tenant occupancy); no separate heating unit was photographed.",
"Hot water and water heater are operational but not photographed; tenant occupancy and active rent payments imply functioning hot water.",
"Electrical service and panel are present and intact though not photographed; no visible exposed wiring inside photos.",
"Smoke detector visible in one room is functional; additional detectors and carbon monoxide alarms may be missing and should be installed if required.",
"Kitchen appliances are present or were present (a refrigerator is partially visible in one interior photo); however appliance condition/age is unknown.",
"Bedroom window sizes/egress functionality cannot be confirmed from photos; I assume at least one bedroom may be marginal for egress based on small window sizes visible.",
"Ceiling stain represents prior water intrusion; source (roof, plumbing, HVAC) is unknown and will require on-site investigation."
],
"overall_score": 75.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 4-bed/2-bath tenant-occupied property appears moderately ready for Section 8 tenancy but will likely require targeted repairs and verification to pass an initial NSPIRE inspection. Visible issues of greatest concern are widespread flooring cupping/gaps (trip hazards and possible moisture/subfloor issues) and ceiling staining suggesting past or potential leaks — both require investigation and repair. Safety/compliance items (complete smoke/CO detector coverage, kitchen/bathroom GFCI protection, and confirmation of electrical panel and water-heater condition) need verification and are likely minor-to-moderate fixes. The active rental history and tenant occupancy are positive indicators that major systems are functioning, but because key mechanicals are not shown they must be confirmed before certifying turnkey status. Estimated time-to-rent after addressing items: 2–6 weeks for typical repairs; if flooring or leak repair is extensive, timeline could extend to 30–60 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 55.0,
"rationale": "Interior appears recently painted and mostly clean, but there are widespread flooring issues (cupping/gaps/lifted planks) visible in multiple rooms that create trip hazards and likely require repair or replacement. Bathrooms show aged tile/grout and some missing trim/finish; cosmetic and moderate capital repairs expected. Missing/unknown appliances not visible in photos (tenant-occupied) — treated as moderate impact rather than catastrophic. Overall condition suggests moderate repairs are needed before a long-term turnover but property is not in major structural distress."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No obvious exposed wiring or broken stairs; ceiling fans and fixtures installed. A smoke detector is visible in at least one bedroom area, but comprehensive detector placement (hallways/levels), CO alarms (if gas present), and GFCI protection in bathrooms/kitchen cannot be confirmed from photos. Ceiling discoloration/staining above living area indicates possible prior or ongoing water intrusion that must be investigated. Bedrooms appear to have windows for egress but exact measurements not confirmed. Overall there are some compliance risk items that need verification and likely minor remediation (GFCI, smoke/CO placement, investigate leak)."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems (HVAC/Plumbing/Electrical)",
"score": 70.0,
"rationale": "Supply/return vents are visible indicating a forced-air HVAC system (tenant-occupied suggests it is operational), and plumbing fixtures (toilets, sinks, tubs) are present. Roof appears to be metal and visually intact from the front photo. Electrical panel and water heater are not shown so their condition is unknown. No visible signs of collapsed ceilings, major foundation movement or active standing water. Given tenant occupancy with Section 8 payments, systems are likely functioning, but verification (HVAC operation, water heater, electrical panel condition) is required."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior shows a metal roof in serviceable condition, carport and concrete driveway (driveway has surface cracks and oil/tire staining). Vegetation is close to the structure and overgrown in places which could affect drainage/gutters and should be trimmed. No visible major foundation cracks, sagging, or collapsed elements from exterior photos. Yard and walkways present moderate maintenance needs but are not a major safety hazard as photographed."
},
{
"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": [
"Widespread flooring cupping/gaps across multiple rooms — trip hazard and potential moisture/subfloor damage.",
"Ceiling staining/discoloration in living area consistent with past or active roof/plumbing leak (needs immediate investigation).",
"Bathroom tile/grout and window conditions show moisture exposure and potential mold risk in wet areas (requires close inspection and remediation)."
],
"confidence": 0.7,
"assumptions": [
"Photos were taken before current tenant moved in (per listing). Current tenant remains in place; utilities likely on.",
"HVAC system exists (visible vents) and is operational since property is tenant-occupied; however HVAC function has not been directly tested from photos.",
"Electrical panel, water heater and major appliances exist and are serviceable but were not photographed; absence of pictured appliances (stove/fridge) assumed not to be an automatic fail.",
"No obvious structural sagging or foundation movement observed from exterior and interior photos; assume structure is generally sound absent further inspection.",
"Ceiling stains represent past or intermittent leaks; assume not an active catastrophic failure but requires investigation."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate readiness for a Section 8 initial inspection. The unit is largely habitable cosmetically and shows evidence of basic systems (vents, fixtures, smoke detector) and active rental history with Section 8 occupancy. Key issues that lower readiness: ceiling water staining (possible roof/plumbing leak), uneven/loose flooring planks (trip hazard and finish failure), older bathroom finishes and uncertain GFCI/CO alarm presence, and limited visible proof of mechanical/service condition. With targeted repairs (roof/leak remediation, flooring repairs or replacement, verify/install GFCI and CO alarms, and basic bathroom grout/caulk work) the property should be able to pass a voucher inspection within ~30 days. If the ceiling stain represents an active leak or if mechanicals (HVAC/water heater/electrical) are non‑functional, that will become a failing item and require immediate repair.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 60.0,
"rationale": "Interior appears recently painted and generally clean, but there are multiple areas of deferred finish work: wide gaps and uneven planks in the wood flooring throughout (trip hazard and will require repair or replacement), older bathroom finishes with grout/caulk deterioration, and visible ceiling staining in the living area consistent with a past or ongoing leak. Exterior shows overgrown landscaping and cracked driveway. Missing/unknown kitchen appliances (not pictured) reduce readiness moderately. Overall cosmetic and finish repairs are moderate and achievable, but not purely cosmetic due to water-stain and floor issues."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.0,
"rationale": "One smoke detector is visible in photos which is positive. No exposed wiring or obvious electrical hazards are visible and outlet/cover plates appear present. Bathrooms and sinks are present and toilets visible. Concerns: ceiling water stain indicates a roof/plumbing leak risk (could lead to active leak/mold), bathroom jalousie window shows corrosion and may not provide secure egress/ventilation, GFCI presence in bathrooms/kitchen not confirmed, and no carbon monoxide alarm is visible (required if fuel-burning appliances present). Because most life-safety items are present or reasonably inferred but some required devices and egress/GFCI details are unconfirmed, this is a moderate safety risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 60.0,
"rationale": "Ceiling supply vents visible (central HVAC likely present) and roof appears to be metal which can be durable. However the living-room ceiling stain suggests a roof or plumbing leak that requires investigation and repair. Water heater, HVAC equipment, electrical panel and their serviceability are not shown. Given age of the home (1962) and limited system photos, there is moderate risk to mechanicals that will need verification (service records or contractor inspection) before passing a voucher inspection if a leak or inoperative system is present."
},
{
"key": "exterior_site",
"label": "Exterior, site and structure",
"score": 75.0,
"rationale": "Front elevation, roof and carport are intact in photos; driveway has cracking and the yard is somewhat overgrown but not severely neglected. No visible foundation settlement or major structural sagging in exterior photos. Trees are close to the structure which could affect drainage/roof in future and should be managed. Overall exterior condition is fair with modest site cleanup and driveway repairs required."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Ceiling water stain in living area consistent with a roof or plumbing leak (possible active leak) — immediate investigation required.",
"Wide gaps/uneven or loose floor planks throughout — trip hazard and potential for exposed subfloor if deterioration progressed.",
"Bathroom window (jalousie) shows corrosion/age which may fail egress/security requirements and needs replacement or confirmation of compliance."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (inferred from ceiling supply vents) though equipment was not photographed.",
"Smoke detector visible in photos is functioning; additional detectors and CO alarms may be required/absent and should be installed as needed.",
"Kitchen appliances (stove/fridge) not shown; missing appliances are assumed replaceable and would reduce readiness moderately but are not treated as major safety failures.",
"Ceiling stain indicates a past or current roof/plumbing leak but extent and activity are unknown; assessment assumes no collapsed ceiling or large structural failure visible in photos.",
"Electrical panel exists and is intact but was not photographed; no exposed live wiring was observed in photos.",
"Bedroom egress windows appear to be standard sizes in photos; exact compliance with egress dimensions is not confirmed and should be verified on-site."
],
"overall_score": 65.0,
"rubric_version": "2026-02-16_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3114 Suncrest Dr, Jackson, MS, 39212",
"aggregate": {
"summary": "Overall this 4-bed/2-bath single-family home appears moderately ready for Section 8 but requires a handful of targeted repairs and verifications. The unit shows fresh paint and functioning systems likely present (HVAC vents visible and tenant-occupied), but uneven/buckling flooring, older bathroom tile, ceiling staining indicating prior leak, possible inadequate egress window sizes for bedrooms, and missing/uncertain GFCI/CO protection are the main inspection risks. With focused corrective work (floor repair/replacement, verify/repair egress, correct GFCI and CO detectors, investigate and repair any roof/leak issues, trim vegetation), the property should be rent-ready within ~30 days. Tenant-occupied status and recent Section 8 payments increase confidence that major systems are functioning today.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 63.3,
"rationale": "Interior appears recently painted and generally tidy; kitchen (partial) and bathrooms present. Visible issues: multiple plank floors are cupped/uneven or lifting in many rooms (trip hazard and will require repair or replacement of flooring planks/installation corrections), folding closet doors and some trim show wear, bathroom tile/grout and tub areas show staining/age and need regrouting/cleaning or minor replacement, driveway has cracking and vegetation encroachment. No large-scale demolition or structural collapse visible. Missing or aged fixtures are mostly cosmetic/capital in nature. Because missing appliances alone are not catastrophic and most issues are repairable within weeks, this scores in the 'minor repairs' range."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior shows intact siding and a covered carport; roof surface appears intact in the photo. Site issues: overgrown shrubs and trees close to the structure (can cause roof/soffit damage and pest access), cracked and stained driveway, and general landscaping neglect. No obvious foundation settlement or major exterior structural damage is visible from provided photos, but vegetation and driveway condition are maintenance items that should be addressed."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Section 8 Activity",
"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 (NSPIRE focus)",
"score": 65.0,
"rationale": "Positive: at least one smoke detector is visible (photo above a bedroom closet) and outlets have covers. HVAC supply registers visible indicating forced-air present. No obvious exposed wiring, open electrical panels, or collapsed ceilings seen. Concerns: small bedroom windows (some look undersized) could fail egress requirements — egress sizing cannot be confirmed from photos and is a common Section 8 fail; bathroom and kitchen GFCI outlets are not visible (likely missing), and no CO detector is visible (required where fuel-burning appliances are present). Ceiling discoloration/stain above living area suggests prior or ongoing water intrusion which requires investigation. Overall there are moderate NSPIRE risk items that should be verified and corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof, Water Heater)",
"score": 66.7,
"rationale": "Evidence of central forced-air (ceiling vents) suggests HVAC is present; property is tenant-occupied with Section 8 rental income which implies systems are operational today. Roof appears to be metal or newer roof panels with no obvious sagging from exterior photo, but large trees overhang the roof (increases future risk). Plumbing fixtures present in both bathrooms; no visible active leaks in photos but ceiling stain indicates a past leak that should be investigated. Electrical panel and water heater were not photographed so their condition is unknown. Given tenant-occupied status and absence of visible major system failure, systems score as functioning but requiring verification (service records or in-person tests) and minor repairs."
}
],
"red_flags": [
"Ceiling stain in living area — potential roof or plumbing leak (active leak must be ruled out).",
"Multiple floor planks are cupped/lifting — trip hazard and may indicate moisture underlayment issues.",
"Possible inadequate bedroom egress (small windows) — common Section 8 fail if not meeting size/operability requirements.",
"No visible GFCI protection in bathrooms/kitchen and no visible CO alarm — likely code/NSPIRE items to install.",
"Large trees and overgrown shrubs immediately adjacent to roof/structure (risk for future roof damage, blocked gutters, pest access)."
],
"confidence": 0.79,
"assumptions": [
"Central forced-air HVAC is present and operational (inferred from ceiling supply registers and tenant occupancy); no separate heating unit was photographed.",
"Hot water and water heater are operational but not photographed; tenant occupancy and active rent payments imply functioning hot water.",
"Electrical service and panel are present and intact though not photographed; no visible exposed wiring inside photos.",
"Smoke detector visible in one room is functional; additional detectors and carbon monoxide alarms may be missing and should be installed if required.",
"Kitchen appliances are present or were present (a refrigerator is partially visible in one interior photo); however appliance condition/age is unknown.",
"Bedroom window sizes/egress functionality cannot be confirmed from photos; I assume at least one bedroom may be marginal for egress based on small window sizes visible.",
"Ceiling stain represents prior water intrusion; source (roof, plumbing, HVAC) is unknown and will require on-site investigation."
],
"score_method": "mean_of_criteria",
"overall_score": 65.7,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8671883505"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.