Property ID: 8674492121
3235 Santee St, Jackson, MS, 39212
Jackson, MS
Money Down: $24,000
CoC Return: 19.86%
Monthly Cash Flow: $397
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,000
Closing Costs
$4,000
Total Down
$24,000
Investment Snapshot
Purchase Price
$100,000
Money Down
$24,000
Cash-on-Cash Return
19.86%
Rent
$1,241
Monthly Cash Flow
$397
Annual Cash Flow
$4,766
Debt Service / Mo
$532
Property Tax / Mo
$136
Insurance / Mo
$51
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,241
Payment Standard
$1,620
Rent
$1,241
Insurance
$51
Property Tax
$136
Management
$124
Utilities Allowance
$379
NOI (Monthly)
$929
Debt Service
$532
Cash Flow After Debt
$397
Quality Score: 64.00%
Confidence: 84.00%
Based on exterior photos and listing data (tenant in place, recent rental history), the property appears generally serviceable with cosmetic deferred maintenance and aged systems typical of a 1962 build. No visible structural failures or life-threatening hazards in the provided image. Main NSPIRE risks cannot be fully confirmed from exterior-only imagery (smoke/CO detectors, GFCI, egress, interior plumbing/HVAC). Likely a passable HCV inspection with minor fixes (install/verify detectors, GFCI, address any aged HVAC/water heater issues) within 1–4 weeks, but recommend targeted interior and systems checks prior to leasing to a voucher holder.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,241
Property Management
$124
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$100,000
Beds
3
Baths
2
Living Area
2,039 sqft
Lot Size
11,326 sqft
Year Built
1962
Days on Market
41
Capital Outlay
$24,000
Debt Service
$532
Property Tax / Mo
$136
Insurance / Mo
$51
Property Description
INVESTOR ALERT -CASH -FLOW BONANZA (TENANT IN PLACE ) Unlock immediate income on day one. . no delays . no rehab . buy and hold . portfolio addition
Utility Allowances
Air Conditioning
$12
Selected the fixed allowance for a 3-bedroom single-family home, as the property includes cooling.
Cooking
$11
Selected 'Electric' option as property details explicitly mention an 'Electric Range' under appliances.
Heating
$50
Fuel type not specified. Selected 'Electric' as it is the more expensive option among likely electric types, per instructions, given electricity is available.
Other Electric
$69
Selected the standard fixed allowance for general electric use in a 3-bedroom home.
Range/Microwave
$3
A microwave is not listed as provided. Per instructions, allowance for a tenant-owned appliance is included.
Refrigerator
$4
A refrigerator is not listed as provided. Per instructions, allowance for a tenant-owned appliance is included.
Sewer
$60
Selected the fixed allowance as property details confirm connection to 'Public Sewer'.
Trash Collection
$37
Selected the fixed allowance, as this is a standard utility for a single-family home.
Water
$104
Selected the fixed allowance as property details confirm connection to a 'Public' water source.
Water Heating
$29
Fuel type not specified. Assumed 'Electric' for consistency with other electric utilities (cooking, heating).
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$534
DP3 Annual Estimate$693
DP1 Monthly Equivalent$44
DP3 Monthly Equivalent$58
Replacement Value$39,800
Basis2,039 sqft / 1962
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3253 Ridgeland Dr
sold · 0.06 mi
Price: $55,000
3 bd / 2 ba · 1,506 sqft
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3303 Ridgeland Dr
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Price: $114,900
3 bd / 2 ba · 1,372 sqft
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Latest rent: —
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983 Branch St
for_sale · 0.07 mi
Price: $60,000
3 bd / 2 ba · 1,252 sqft
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Latest rent: $900 on Nov 06, 2020
Photo unavailable
936 Westway St
for_sale · 0.08 mi
Price: $71,546
4 bd / 3 ba · 1,592 sqft
Latest sale: — on May 13, 2019
Latest rent: $1,050 on Sep 28, 2021
Photo unavailable
935 Branch St
off_market · 0.08 mi
Price: $1,400
4 bd / 2 ba
Latest sale: —
Latest rent: $1,400 on Jul 10, 2025
Photo unavailable
928 Palm St
for_sale · 0.09 mi
Price: $85,000
3 bd / 2 ba · 1,258 sqft
Latest sale: —
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Photo unavailable
952 Palm St
for_sale · 0.09 mi
Price: $44,900
4 bd / 2 ba · 1,503 sqft
Latest sale: — on Dec 29, 2020
Latest rent: —
Photo unavailable
1009 Branch St
sold · 0.10 mi
Price: $73,000
3 bd / 2 ba · 1,346 sqft
Latest sale: — on Aug 31, 2022
Latest rent: $1,300 on Jul 31, 2024
Photo unavailable
916 Palm St
for_sale · 0.12 mi
Price: $59,900
3 bd / 2 ba · 1,200 sqft
Latest sale: —
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Photo unavailable
1010 Branch St
sold · 0.13 mi
Price: $49,900
3 bd / 2 ba · 1,332 sqft
Latest sale: — on Feb 25, 2025
Latest rent: $1,450 on Apr 23, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior rooms, smoke and carbon monoxide detectors, GFCI outlets, and egress windows are not visible; assumed tenant-occupied means basic fixtures (electrical, plumbing, heating) are operational unless otherwise noted.
- Roof appears aged but not actively leaking; assumed no current interior water intrusion since no exterior signs of failure were visible.
- No visible structural sagging, collapsed ceilings, or major foundation movement in the provided photo; assumed structural integrity is acceptable.
- Tenant in place and recent rental activity indicate systems (HVAC, water heater, electrical) are working at least at a basic level.
- Lead-based paint risk exists due to 1962 construction; assume typical pre-1978 disclosure and potential lead-risk paint conditions but no visible severe peeling on exterior brick.
- Absence of interior photos increases uncertainty; scores reflect moderate conservatism for safety and mechanical criteria.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,589 | $54,800 | $8,220 |
| 2023 | $1,581 | $54,800 | $8,220 |
| 2021 | $1,581 | $54,800 | $8,220 |
| 2020 | $1,733 | $60,410 | $9,062 |
| 2019 | $1,816 | $63,250 | $9,488 |
| 2018 | $1,796 | $63,250 | $9,488 |
| 2017 | $1,797 | $63,250 | $9,488 |
| 2016 | $1,750 | $63,250 | $9,488 |
| 2015 | $1,608 | $59,910 | $8,987 |
| 2014 | $1,606 | $59,910 | $8,987 |
| 2013 | $1,562 | $59,910 | $8,987 |
| 2012 | $1,562 | $59,910 | $8,987 |
| 2011 | $1,580 | $61,490 | $9,224 |
| 2010 | $1,571 | $61,490 | $9,224 |
| 2009 | $1,571 | $61,490 | $9,224 |
| 2008 | $1,571 | $50,130 | $7,520 |
| 2007 | $1,294 | $50,130 | $7,520 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-02-29 | Sold | — |
| 2019-04-02 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-05-25 | Listed for rent | $1,500 | — |
| 2023-10-09 | Listed for rent | $1,225 | — |
| 2023-08-31 | Listed for rent | $1,225 | — |
| 2022-09-01 | Listed for rent | $1,251 | — |
| 2020-12-18 | Listed for rent | $1,000 | — |
| 2019-05-07 | Listed for rent | $950 | — |
Photo Gallery
Show raw JSON (debug)
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"source_listing_id": "4353981",
"price_change_percentage": null
},
{
"date": "2022-10-06",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-09-22T18:14:48Z",
"list_price": 1145,
"listing_id": "2948031508",
"last_update_date": "2022-10-04T07:45:03Z",
"last_status_change_date": "2022-10-06T08:21:36Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4029464",
"price_change_percentage": null
},
{
"date": "2022-10-05",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-09-01T20:03:38Z",
"list_price": 1145,
"listing_id": "2947370068",
"last_update_date": "2022-10-04T14:02:32Z",
"last_status_change_date": "2022-10-05T20:03:25Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4005039",
"price_change_percentage": null
},
{
"date": "2022-09-22",
"price": 1145,
"listing": {
"status": "off_market",
"list_date": "2022-09-22T18:14:48Z",
"list_price": 1145,
"listing_id": "2948031508",
"last_update_date": "2022-10-04T07:45:03Z",
"last_status_change_date": "2022-10-06T08:21:36Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4029464",
"price_change_percentage": null
},
{
"date": "2022-09-16",
"price": 1145,
"listing": {
"status": "off_market",
"list_date": "2022-09-01T20:03:38Z",
"list_price": 1145,
"listing_id": "2947370068",
"last_update_date": "2022-10-04T14:02:32Z",
"last_status_change_date": "2022-10-05T20:03:25Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.5615497793035802,
"source_name": "Rently",
"price_change": -106,
"days_after_listed": null,
"source_listing_id": "4005039",
"price_change_percentage": null
},
{
"date": "2022-09-01",
"price": 1251,
"listing": {
"status": "off_market",
"list_date": "2022-09-01T20:03:38Z",
"list_price": 1145,
"listing_id": "2947370068",
"last_update_date": "2022-10-04T14:02:32Z",
"last_status_change_date": "2022-10-05T20:03:25Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.6135360470819029,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4005039",
"price_change_percentage": null
},
{
"date": "2019-03-20",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2019-01-11T03:48:33Z",
"list_price": 72500,
"listing_id": "641022455",
"last_update_date": "2019-02-14T20:27:18Z",
"last_status_change_date": "2019-03-20T11:46:39Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": "69 days",
"source_listing_id": "315770",
"price_change_percentage": null
},
{
"date": "2019-01-24",
"price": 72500,
"listing": {
"status": "off_market",
"list_date": "2019-01-11T03:48:33Z",
"list_price": 72500,
"listing_id": "641022455",
"last_update_date": "2019-02-14T20:27:18Z",
"last_status_change_date": "2019-03-20T11:46:39Z"
},
"event_name": "Price Changed",
"price_sqft": 35.55664541441883,
"source_name": "CentralMSMLS",
"price_change": -4000,
"days_after_listed": null,
"source_listing_id": "315770",
"price_change_percentage": null
},
{
"date": "2019-01-10",
"price": 76500,
"listing": {
"status": "off_market",
"list_date": "2019-01-11T03:48:33Z",
"list_price": 72500,
"listing_id": "641022455",
"last_update_date": "2019-02-14T20:27:18Z",
"last_status_change_date": "2019-03-20T11:46:39Z"
},
"event_name": "Listed",
"price_sqft": 37.5183913683178,
"source_name": "CentralMSMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "315770",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8674492121",
"generated_at": "2026-02-16T23:20:40.679129Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.0
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/3d1f665959780f00f595af6cac67d5dfl-m738152446s-w1280.jpg",
"rent_price": 1241.0,
"loan_amount": 80000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3235-Santee-St_Jackson_MS_39212_M86744-92121",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 100000.0,
"loan_term_years": 30,
"annual_cash_flow": 11152.63,
"mortgage_monthly": 532.24,
"payment_standard": 1620.0,
"total_amount_out": 20000.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 51.12,
"monthly_cash_flow": 929.39,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Selected the fixed allowance for a 3-bedroom single-family home, as the property includes cooling.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected 'Electric' option as property details explicitly mention an 'Electric Range' under appliances.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Fuel type not specified. Selected 'Electric' as it is the more expensive option among likely electric types, per instructions, given electricity is available.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Selected the standard fixed allowance for general electric use in a 3-bedroom home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "A microwave is not listed as provided. Per instructions, allowance for a tenant-owned appliance is included.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "A refrigerator is not listed as provided. Per instructions, allowance for a tenant-owned appliance is included.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Selected the fixed allowance as property details confirm connection to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Selected the fixed allowance, as this is a standard utility for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Selected the fixed allowance as property details confirm connection to a 'Public' water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Fuel type not specified. Assumed 'Electric' for consistency with other electric utilities (cooking, heating).",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.56,
"down_payment_amount": 20000.0,
"property_tax_annual": 1636.67,
"property_tax_monthly": 136.39,
"property_tax_increase": 0.03,
"utility_allowance_total": 379.0,
"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": 4765.73,
"property_management_monthly": 124.1,
"monthly_cash_flow_after_debt": 397.14,
"cash_on_cash_return_after_debt": 0.24
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and listing data (tenant in place, recent rental history), the property appears generally serviceable with cosmetic deferred maintenance and aged systems typical of a 1962 build. No visible structural failures or life-threatening hazards in the provided image. Main NSPIRE risks cannot be fully confirmed from exterior-only imagery (smoke/CO detectors, GFCI, egress, interior plumbing/HVAC). Likely a passable HCV inspection with minor fixes (install/verify detectors, GFCI, address any aged HVAC/water heater issues) within 1–4 weeks, but recommend targeted interior and systems checks prior to leasing to a voucher holder.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Exterior photo shows an intact single-story brick shell with no visible collapsed areas, missing walls, or severe exterior damage. Yard is unkempt and walkway has leaf/debris build-up indicating deferred landscaping and minor maintenance. Windows and door appear older; likely interior cosmetic wear (paint, flooring, fixtures) given year built (1962) and investor listing but no interior photos to confirm. Listing claims 'no rehab' and tenant in place, supporting that there are no major visible deferred maintenance items. Missing interior appliance/fixture data unknown; assumed present or replaceable. Overall moderate cosmetic repairs expected, not structural."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No interior images to verify required safety items (smoke/CO detectors, GFCI outlets, egress windows, handrails). Exterior shows a secure entry door and no visible exterior electrical hazards, sagging rooflines, or collapsed elements. Roof appears aged but no visible active leaks or sag. Because safety-critical items cannot be confirmed from photos (detectors, egress, GFCI, plumbing hot water), there is moderate inspection risk. Tenant-occupied and marketed 'no rehab' slightly reduces likelihood of basic safety failures, but age (1962) raises concern for things like non-compliant electrical or missing CO/smoke detectors."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "No HVAC, water heater, electrical panel or plumbing photos; roof shingles visible and look aged (probable near mid/late service life). Tenant in place and recent rental events suggest systems are functional, but age increases risk of HVAC or water heater near end-of-life. No visible evidence of active roof failure or exterior water intrusion, but lack of gutters/leaf buildup may indicate drainage issues needing inspection. Recommend mechanical inspection; moderate risk for system repairs or replacement within a few years."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Brick exterior appears structurally sound in the provided image with consistent masonry and no visible foundation settlement or major cracks. Yard is neglected (leaf buildup) and walkway has surface wear; landscaping and curb appeal need attention. No visible standing water, severe erosion, or pest infestation evidence. Driveway and rear yard not shown. Overall exterior/site is serviceable but needs basic maintenance."
},
{
"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": [],
"confidence": 0.55,
"assumptions": [
"Interior rooms, smoke and carbon monoxide detectors, GFCI outlets, and egress windows are not visible; assumed tenant-occupied means basic fixtures (electrical, plumbing, heating) are operational unless otherwise noted.",
"Roof appears aged but not actively leaking; assumed no current interior water intrusion since no exterior signs of failure were visible.",
"No visible structural sagging, collapsed ceilings, or major foundation movement in the provided photo; assumed structural integrity is acceptable.",
"Tenant in place and recent rental activity indicate systems (HVAC, water heater, electrical) are working at least at a basic level.",
"Lead-based paint risk exists due to 1962 construction; assume typical pre-1978 disclosure and potential lead-risk paint conditions but no visible severe peeling on exterior brick.",
"Absence of interior photos increases uncertainty; scores reflect moderate conservatism for safety and mechanical criteria."
],
"overall_score": 71.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Based on the exterior photo, listing text, and rental history, the property appears moderately turnkey for Section 8 tenancy but requires interior verification. Exterior brick and entry look serviceable and the tenant-in-place history supports immediate income potential. Primary inspection risks are unverified interior safety items (smoke/CO detectors, GFCI outlets, interior peeling paint/lead risk), aged roof and unknown HVAC/electrical/plumbing conditions typical of a 1962 house. Expect minor to moderate repairs and targeted system inspections; likely rent-ready within 2–6 weeks if interior checks and any minor repairs are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior brick and windows appear intact with no obvious major exterior damage in the provided photo. Yard and walkway show deferred maintenance (leaf accumulation, minor sidewalk wear) but no structural failure. Listing states 'tenant in place' and 'no rehab' which suggests interior is occupied and likely functional; missing appliances are not visible and tenant-occupied units commonly retain working appliances. Given the 1962 build date there is a moderate chance of cosmetic and mid-life interior updates being needed, but nothing in the photo indicates major rehab is required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "No life-threatening hazards (collapsed ceilings, standing water, major structural sag) are visible externally. The front entry has a solid security door which is positive for secure entry. However critical NSPIRE items cannot be confirmed from the exterior photo: presence/placement of smoke/CO detectors, GFCI protection, functioning egress windows, and interior peeling paint. The house was built in 1962 (pre-1978) so lead-paint risk exists until proven otherwise. No exposed wiring or broken guardrails are visible outside. Considering the unknowns and possible lead-era construction, there is moderate compliance risk that will require interior verification."
},
{
"key": "systems_mechanical",
"label": "Major systems: roof, HVAC, electrical, plumbing",
"score": 55.0,
"rationale": "Roof shingles appear aged from the photo (flattened/dark areas along roofline) which raises the risk of near-term roof maintenance but no visible sagging or active leak signs. No HVAC equipment is visible externally to confirm central AC/heat; tenant-occupied status suggests at least functional heating/cooling, but age of systems is unknown. Plumbing, water heater, and electrical panel cannot be verified from the photo. Given the 1962 build year and visible roof wear, there is a moderate risk that one or more mechanical systems may be near end-of-life and will require inspection or servicing."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Brick siding and foundation line visible appear generally sound with no clear major cracks or settlement visible in the image. Mature tree close to house could imply root/roof debris risk. Walkway shows wear and leaf/debris accumulation; yard maintenance is lacking. No obvious drainage ponding or erosion seen. Overall exterior/site condition is fair but shows deferred maintenance."
},
{
"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": 0.6,
"assumptions": [
"Interior is occupied (tenant in place) and basic appliances and utilities are present and functioning unless otherwise reported.",
"No visible exterior sagging, major cracks, or collapsed elements implies no immediate structural failure; interior may still have cosmetic or system-age issues.",
"Because the home was built in 1962, lead-based paint risk is assumed present until documented otherwise; inspection for peeling paint is required.",
"Photo is representative of typical condition; other elevations and the rear of property are assumed similar (no major unseen exterior damage).",
"Listing claim of 'no rehab' is taken as an indicator but not proof; NSPIRE-only interior checks still required."
],
"overall_score": 63.0,
"rubric_version": "2026-02-16_v1"
},
{
"summary": "Based on the exterior photo, listing text, and rental history, this property is likely rentable with minor to moderate repairs. The brick shell looks solid and there are no visible structural failures in the provided image. Primary risks are unverified interior safety items (smoke/CO detectors, GFCI, egress windows), mechanical system age (roof, HVAC, electrical), and lead-based paint risk given 1962 construction. Tenant-in-place and recent rental activity reduce vacancy/time-to-rent risk. Estimated overall readiness: 61-80 band — likely rent-ready within 30 days after addressing routine safety verifications and minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 70.0,
"rationale": "Exterior brick facade appears intact with no visible structural cracks. Yard and walkway show deferred maintenance (leaf litter, cracked path). Roof shingles look aged but no visible sagging or open areas in photo. Windows and door appear older but functional. Interior condition not shown; listing claims 'no rehab' and tenant in place, supporting a moderate condition score. Missing/older appliances not visible and not heavily penalized."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "No immediate life‑threatening hazards visible from exterior photo (no collapsed structures, major roof sag, or standing water). Critical safety items (smoke/CO detectors, GFCI, electrical panel, egress windows, hot water, handrails) cannot be confirmed from images. Property built 1962 -> likely pre-1978 lead-paint risk requiring mitigation/disclosure. Moderate NSPIRE risk due to unknowns around detectors, electrical, and egress; no obvious exterior hazards observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 55.0,
"rationale": "Roof shows signs of age and may be near end-of-life (limited visual only). No HVAC equipment, meters, or exterior water-heater visible in photo; electrical and plumbing systems cannot be verified. Given age (1962) and lack of visible system evidence, there is moderate risk that mechanical systems are dated and may require service or replacement."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Brick exterior and windows appear intact with no visible foundation cracking in the provided view. Front yard is overgrown with leaf accumulation and the front walkway shows minor cracking/trip risk. Large tree close to house could present root or drainage issues over time. No visible pest infestation, but gutters/downspouts not shown."
},
{
"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": [
"Pre-1978 construction (1962) — potential lead-based paint risk requiring HUD/NSPIRE mitigation and disclosures.",
"Aging roof with visible shingle wear — potential near-term failure risk requiring inspection.",
"No visible smoke/CO detectors or exterior evidence of them in photo — detector presence must be verified and likely replaced to meet code.",
"Front walkway shows cracking and leaf accumulation — trip hazard and deferred maintenance.",
"Large tree close to the house — potential root/foundation or drainage issues over time."
],
"confidence": 0.55,
"assumptions": [
"Interior conditions (walls, ceilings, flooring, appliances) are not shown; assume general lived-in condition but no catastrophic interior damage because listing states 'no rehab' and tenant in place.",
"Smoke and carbon monoxide detectors, GFCI protection, and functioning plumbing/HW are not visible in photo; assume they may be present but need verification and possibly replacement to meet NSPIRE.",
"Roof is original or older and shows wear in the photo; assume it may need close inspection and potential near-term replacement (no active leaks observed from exterior).",
"Heating/cooling equipment and water heater are present inside or at rear of house but were not visible in provided photo; assume age-appropriate servicing may be needed.",
"Windows/egress for bedrooms are assumed typical for a 1962 ranch; final NSPIRE egress compliance must be confirmed with interior inspection.",
"Tenant in place maintains reasonable habitability; listing claim 'no rehab' is taken at face value but must be confirmed on inspection."
],
"overall_score": 68.0,
"rubric_version": "nsPIRE_v1.0_2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3235 Santee St, Jackson, MS, 39212",
"aggregate": {
"summary": "Based on exterior photos and listing data (tenant in place, recent rental history), the property appears generally serviceable with cosmetic deferred maintenance and aged systems typical of a 1962 build. No visible structural failures or life-threatening hazards in the provided image. Main NSPIRE risks cannot be fully confirmed from exterior-only imagery (smoke/CO detectors, GFCI, egress, interior plumbing/HVAC). Likely a passable HCV inspection with minor fixes (install/verify detectors, GFCI, address any aged HVAC/water heater issues) within 1–4 weeks, but recommend targeted interior and systems checks prior to leasing to a voucher holder.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Exterior photo shows an intact single-story brick shell with no visible collapsed areas, missing walls, or severe exterior damage. Yard is unkempt and walkway has leaf/debris build-up indicating deferred landscaping and minor maintenance. Windows and door appear older; likely interior cosmetic wear (paint, flooring, fixtures) given year built (1962) and investor listing but no interior photos to confirm. Listing claims 'no rehab' and tenant in place, supporting that there are no major visible deferred maintenance items. Missing interior appliance/fixture data unknown; assumed present or replaceable. Overall moderate cosmetic repairs expected, not structural."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 66.7,
"rationale": "Brick exterior appears structurally sound in the provided image with consistent masonry and no visible foundation settlement or major cracks. Yard is neglected (leaf buildup) and walkway has surface wear; landscaping and curb appeal need attention. No visible standing water, severe erosion, or pest infestation evidence. Driveway and rear yard not shown. Overall exterior/site is serviceable but needs basic maintenance."
},
{
"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."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 61.7,
"rationale": "No interior images to verify required safety items (smoke/CO detectors, GFCI outlets, egress windows, handrails). Exterior shows a secure entry door and no visible exterior electrical hazards, sagging rooflines, or collapsed elements. Roof appears aged but no visible active leaks or sag. Because safety-critical items cannot be confirmed from photos (detectors, egress, GFCI, plumbing hot water), there is moderate inspection risk. Tenant-occupied and marketed 'no rehab' slightly reduces likelihood of basic safety failures, but age (1962) raises concern for things like non-compliant electrical or missing CO/smoke detectors."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 56.7,
"rationale": "No HVAC, water heater, electrical panel or plumbing photos; roof shingles visible and look aged (probable near mid/late service life). Tenant in place and recent rental events suggest systems are functional, but age increases risk of HVAC or water heater near end-of-life. No visible evidence of active roof failure or exterior water intrusion, but lack of gutters/leaf buildup may indicate drainage issues needing inspection. Recommend mechanical inspection; moderate risk for system repairs or replacement within a few years."
}
],
"red_flags": [],
"confidence": 0.84,
"assumptions": [
"Interior rooms, smoke and carbon monoxide detectors, GFCI outlets, and egress windows are not visible; assumed tenant-occupied means basic fixtures (electrical, plumbing, heating) are operational unless otherwise noted.",
"Roof appears aged but not actively leaking; assumed no current interior water intrusion since no exterior signs of failure were visible.",
"No visible structural sagging, collapsed ceilings, or major foundation movement in the provided photo; assumed structural integrity is acceptable.",
"Tenant in place and recent rental activity indicate systems (HVAC, water heater, electrical) are working at least at a basic level.",
"Lead-based paint risk exists due to 1962 construction; assume typical pre-1978 disclosure and potential lead-risk paint conditions but no visible severe peeling on exterior brick.",
"Absence of interior photos increases uncertainty; scores reflect moderate conservatism for safety and mechanical criteria."
],
"score_method": "mean_of_criteria",
"overall_score": 64.0,
"rubric_version": "nsPIRE-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8674492121"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.