Property ID: 8740544002
3804 Saint Francis St, Jackson, MS, 39206
Jackson, MS
Money Down: $27,840
CoC Return: 14.39%
Monthly Cash Flow: $334
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,200
Closing Costs
$4,640
Total Down
$27,840
Investment Snapshot
Purchase Price
$116,000
Money Down
$27,840
Cash-on-Cash Return
14.39%
Rent
$1,248
Monthly Cash Flow
$334
Annual Cash Flow
$4,005
Debt Service / Mo
$617
Property Tax / Mo
$131
Insurance / Mo
$41
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,248
Payment Standard
$1,690
Rent
$1,248
Insurance
$41
Property Tax
$131
Management
$125
Utilities Allowance
$442
NOI (Monthly)
$951
Debt Service
$617
Cash Flow After Debt
$334
Quality Score: 68.30%
Confidence: 90.00%
Exterior and listing indicate a rentable single‑family home with cosmetic exterior wear and moderate unknowns inside. Recent rental history supports that major systems and safety items are likely functional, but several NSPIRE-critical items (smoke/CO detectors, GFCI, egress, handrails) could not be verified from photos. Likely passes an initial HCV inspection with minor repairs or documentation; expect 1–4 weeks to address simple items or up to 30 days if service/repairs are needed.
Section 8 Payment Standard
$1,690
Utility Allowance Total
$442
Guaranteed Section 8 Rent (PS - Utilities)
$1,248
Property Management
$125
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$116,000
Beds
4
Baths
2
Living Area
1,527 sqft
Lot Size
9,148 sqft
Year Built
1943
Days on Market
22
Capital Outlay
$27,840
Debt Service
$617
Property Tax / Mo
$131
Insurance / Mo
$41
Property Description
INVESTOR ALERT CAST BONANZA EXCELLENT CASH FLOW ON DAY ONE * NO DELAYS *NO REHAB *BUY AND HOLD
Utility Allowances
Air Conditioning
$16
The property has 'Central Air' cooling, so the standard allowance is applied.
Cooking
$14
Property has a range but the fuel type is unspecified. Both electricity and natural gas are available. Choosing the more expensive option (Electric cooking) as per instructions.
Heating
$64
Property has central heating, but the fuel type is not specified. Both electricity and natural gas are available. The most expensive applicable option (Electric) is selected as per instructions.
Other Electric
$88
This is a standard allowance for miscellaneous tenant-paid electrical usage (e.g., lights, general outlets).
Sewer
$70
The property is connected to a 'Public Sewer' system, which is assumed to be a tenant-paid utility.
Trash Collection
$37
This is a standard allowance for tenant-paid municipal trash collection services.
Water
$116
The property uses a 'Public' water source, which is assumed to be a tenant-paid utility.
Water Heating
$37
The water heater's fuel source is not specified. Both electricity and natural gas are available. The most expensive option (Electric) is selected as per instructions.
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$471
DP3 Annual Estimate$519
DP1 Monthly Equivalent$39
DP3 Monthly Equivalent$43
Replacement Value$32,580
Basis1,527 sqft / 1943
Nearby Houses
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3779 Northview Dr
sold · 0.06 mi
Price: $32,900
3 bd / 2 ba · 1,478 sqft
Latest sale: — on May 23, 2025
Latest rent: $750 on Jul 23, 2015
Photo unavailable
316 E Mayes St
off_market · 0.06 mi
Price: $159,500
3 bd / 2 ba · 1,200 sqft
Latest sale: —
Latest rent: —
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3774 Northview Dr
sold · 0.08 mi
Price: $139,000
3 bd / 2 ba · 1,512 sqft
Latest sale: — on Jun 05, 2025
Latest rent: $1,275 on Jun 25, 2019
Photo unavailable
3829 Northview Dr
sold · 0.08 mi
Price: $49,900
4 bd / 3 ba · 1,589 sqft
Latest sale: — on Dec 11, 2023
Latest rent: $1,750 on Sep 02, 2025
Photo unavailable
3930 Royal St
sold · 0.09 mi
Price: $1,000
— bd / — ba
Latest sale: — on Mar 17, 2025
Latest rent: $1,179 on Jul 06, 2022
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior condition and major appliances (stove, refrigerator, hot water heater) are present and functional based on listing 'NO REHAB' and recent rental history.
- House has a heating/cooling system (central or window units) in working order because property is actively rented.
- Smoke detectors, carbon monoxide alarms (if required), and GFCI outlets may be present but their locations and functionality are unverified.
- No visible structural sagging, collapsed ceilings, or major foundation movement exist (none evident in provided exterior photo).
- Electrical panel and wiring are intact and not visibly hazardous; no exposed exterior wiring observed.
- Front steps may lack a handrail; assume height is borderline for code—may require a handrail depending on local code and riser height.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,524 | $52,580 | $7,887 |
| 2023 | $1,517 | $52,580 | $7,887 |
| 2021 | $1,517 | $52,580 | $7,887 |
| 2020 | $1,501 | $52,320 | $7,848 |
| 2019 | $1,502 | $52,320 | $7,848 |
| 2018 | $1,485 | $52,320 | $7,848 |
| 2017 | $1,486 | $52,320 | $7,848 |
| 2016 | $1,447 | $52,320 | $7,848 |
| 2015 | $1,380 | $51,420 | $7,713 |
| 2014 | $1,379 | $51,420 | $7,713 |
| 2013 | $1,340 | $51,420 | $7,713 |
| 2012 | $1,340 | $51,420 | $7,713 |
| 2011 | $1,248 | $48,560 | $7,284 |
| 2010 | $1,240 | $48,560 | $7,284 |
| 2009 | $1,240 | $48,560 | $7,284 |
| 2008 | $1,240 | $35,270 | $5,291 |
| 2007 | $910 | $35,270 | $5,291 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-05-22 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-08-08 | Listed for rent | $1,300 | — |
| 2025-06-20 | Listed for rent | $1,500 | — |
| 2024-08-15 | Listed for rent | $2,000 | — |
| 2024-05-25 | Listed for rent | $2,000 | — |
| 2023-10-27 | Listed for rent | $1,195 | — |
| 2023-08-31 | Listed for rent | $1,195 | — |
| 2022-06-21 | Listed for rent | $1,449 | — |
Photo Gallery
Show raw JSON (debug)
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"list_date": "2022-09-08T18:24:49Z",
"list_price": 1250,
"listing_id": "2947565995",
"last_update_date": "2022-09-08T13:17:07Z",
"last_status_change_date": "2022-10-08T08:21:23Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4028307",
"price_change_percentage": null
},
{
"date": "2022-09-01",
"price": 1250,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1195,
"listing_id": "2945951235",
"last_update_date": "2023-11-06T12:25:14Z",
"last_status_change_date": "2023-11-22T13:17:09Z"
},
"event_name": "Price Changed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": -50,
"days_after_listed": null,
"source_listing_id": "7619032",
"price_change_percentage": null
},
{
"date": "2022-08-16",
"price": 1300,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1195,
"listing_id": "2945951235",
"last_update_date": "2023-11-06T12:25:14Z",
"last_status_change_date": "2023-11-22T13:17:09Z"
},
"event_name": "Price Changed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": -50,
"days_after_listed": null,
"source_listing_id": "7619032",
"price_change_percentage": null
},
{
"date": "2022-07-31",
"price": 1350,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1195,
"listing_id": "2945951235",
"last_update_date": "2023-11-06T12:25:14Z",
"last_status_change_date": "2023-11-22T13:17:09Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "7619032",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8740544002",
"generated_at": "2026-02-16T22:58:19.499872Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.3
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/6e16ad1c133c1146f5263d6937a1351al-m180580701s-w1280.jpg",
"rent_price": 1248.0,
"loan_amount": 92800.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3804-Saint-Francis-St_Jackson_MS_39206_M87405-44002",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 116000.0,
"loan_term_years": 30,
"annual_cash_flow": 11413.68,
"mortgage_monthly": 617.4,
"payment_standard": 1690.0,
"total_amount_out": 23200.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 41.25,
"monthly_cash_flow": 951.14,
"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": "The property has 'Central Air' cooling, so the standard allowance is applied.",
"utility": "Air Conditioning",
"allowance": 16
},
{
"note": "Property has a range but the fuel type is unspecified. Both electricity and natural gas are available. Choosing the more expensive option (Electric cooking) as per instructions.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Property has central heating, but the fuel type is not specified. Both electricity and natural gas are available. The most expensive applicable option (Electric) is selected as per instructions.",
"utility": "Heating",
"allowance": 64
},
{
"note": "This is a standard allowance for miscellaneous tenant-paid electrical usage (e.g., lights, general outlets).",
"utility": "Other Electric",
"allowance": 88
},
{
"note": "The property is connected to a 'Public Sewer' system, which is assumed to be a tenant-paid utility.",
"utility": "Sewer",
"allowance": 70
},
{
"note": "This is a standard allowance for tenant-paid municipal trash collection services.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property uses a 'Public' water source, which is assumed to be a tenant-paid utility.",
"utility": "Water",
"allowance": 116
},
{
"note": "The water heater's fuel source is not specified. Both electricity and natural gas are available. The most expensive option (Electric) is selected as per instructions.",
"utility": "Water Heating",
"allowance": 37
}
],
"cash_on_cash_return": 0.49,
"down_payment_amount": 23200.0,
"property_tax_annual": 1569.72,
"property_tax_monthly": 130.81,
"property_tax_increase": 0.03,
"utility_allowance_total": 442.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/pdr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 4004.87,
"property_management_monthly": 124.8,
"monthly_cash_flow_after_debt": 333.74,
"cash_on_cash_return_after_debt": 0.17
},
"section8_assessment": {
"runs": [
{
"summary": "Exterior and listing indicate a rentable single‑family home with cosmetic exterior wear and moderate unknowns inside. Recent rental history supports that major systems and safety items are likely functional, but several NSPIRE-critical items (smoke/CO detectors, GFCI, egress, handrails) could not be verified from photos. Likely passes an initial HCV inspection with minor repairs or documentation; expect 1–4 weeks to address simple items or up to 30 days if service/repairs are needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior visible in photo shows intact siding and roofline with cosmetic wear, dirt staining at base, and a thin/muddy front lawn. No visible broken windows, major siding holes, or collapsed elements. Listing explicitly states 'NO REHAB' and property has recent rental activity, supporting an assumption interior is serviceable. Missing or aged interior appliances not visible; missing appliances would reduce readiness moderately but listing/rental history imply appliances likely present. Overall appears only minor cosmetic and maintenance repairs are needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 65.0,
"rationale": "From the exterior photo there are no obvious life‑threatening hazards (no collapsed ceilings, no standing water, no visible electrical hazards). However, critical NSPIRE items cannot be confirmed: smoke/CO detectors, GFCI outlets, bedroom egress window condition, deadbolt on entry, and presence of handrails for steps. The front entry shows steps with no visible handrail (potential fail depending on rise/run). Large trees overhang roof which increases long‑term roof/leaf/vent risks. Given the property's claimed rental status and 'no rehab' claim, assume basic safety items are likely addressed but unknown items create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 60.0,
"rationale": "Roof shingles visually intact in the photo (no sagging or visible holes) but age of house (built 1943) suggests systems could be aged. No exterior HVAC condenser or water heater are visible from the photo. Rental history and listing claim support the presence of functioning HVAC/plumbing/electrical, but these cannot be verified. Because major systems failures would be inspection blockers and no direct evidence is available, score reflects moderate risk: likely functional but could require servicing or replacement."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior facade appears structurally intact with an enclosed yard and a fence visible at right. Driveway shows wear and staining; front walk is narrow and lawns are neglected. Large mature trees overhang the roof and may contribute to gutter/roof maintenance needs. No obvious foundation displacement, major siding failure, or visible insect/infestation damage in the provided photo. Site presents minor-to-moderate deferred maintenance but no immediate severe exterior risk visible."
},
{
"key": "rental_history_activity",
"label": "Recent 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": [],
"confidence": 0.55,
"assumptions": [
"Interior condition and major appliances (stove, refrigerator, hot water heater) are present and functional based on listing 'NO REHAB' and recent rental history.",
"House has a heating/cooling system (central or window units) in working order because property is actively rented.",
"Smoke detectors, carbon monoxide alarms (if required), and GFCI outlets may be present but their locations and functionality are unverified.",
"No visible structural sagging, collapsed ceilings, or major foundation movement exist (none evident in provided exterior photo).",
"Electrical panel and wiring are intact and not visibly hazardous; no exposed exterior wiring observed.",
"Front steps may lack a handrail; assume height is borderline for code—may require a handrail depending on local code and riser height."
],
"overall_score": 68.0,
"rubric_version": "nsprire_assess_2026_v1"
},
{
"summary": "Overall this property appears to be in fair, rentable condition with primarily cosmetic exterior deficiencies and moderate documentation/verification risk for NSPIRE items. Given the recent rental history and intact exterior/roofline, it is likely to be rent-ready with minor repairs and verification tasks (smoke/CO detectors, GFCI outlets, egress window checks, basic plumbing/heating checks) and would probably pass an initial HCV inspection after 1–4 weeks of targeted fixes and documentation. Major structural or system failures are not apparent in the submitted photo set, but interior verification is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Front exterior photo shows an intact roofline and closed windows but worn exterior paint, unkempt yard, and a cracked/uneven front walkway. No obvious collapsed or missing exterior elements. Listing states 'NO REHAB' and property has recent rental activity, suggesting interior is likely serviceable. Missing appliances not visible from photos; assume typical rental appliances may be present or easily provided. Overall condition appears cosmetically worn but not requiring major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No interior photos to verify smoke/CO detectors, GFCI protection, egress windows, or electrical panel condition. Exterior shows no visible structural sagging, obvious exposed wiring, or collapsed elements. Age (built 1943) raises lead-paint risk and potential legacy electrical/plumbing issues. Given recent rental history and listing claim of no rehab, assume basic life-safety items may be present but require verification (smoke detectors on each level/bedrooms, CO detector if required, GFCI in kitchen/baths). Moderate NSPIRE risk until interior inspection confirms detectors, outlet covers, and egress."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 65.0,
"rationale": "Roof appears intact from street photo (no visible sag or missing large areas). No visible exterior HVAC unit in the photo; heating/cooling, water heater, electrical panel, and plumbing condition are unknown. Recent rental activity suggests systems have been functional recently, but age of house increases likelihood of older systems. Recommend verification of heating, hot water, electrical panel integrity, and no active leaks before inspection. Moderate score due to uncertainty but no visible catastrophic system failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Yard is unkempt with leaf/debris accumulation and a worn walkway; driveway present. Siding appears weathered but intact; perimeter fence visible and standing. Trees close to the structure could present future roof/branch risk. No visible standing water, severe foundation cracks, or collapsed stairs/railings in the provided image. Issues are primarily cosmetic and site maintenance."
},
{
"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": [],
"confidence": 0.6,
"assumptions": [
"Interior condition is broadly consistent with exterior appearance and the listing claim of 'NO REHAB'; no visible catastrophic interior damage is assumed.",
"Working heating and hot water are present given recent rental activity, but require verification.",
"Smoke detectors, CO detectors, and GFCI protection may be present but are not visible in photos so must be confirmed; score reflects moderate risk due to unknowns.",
"No obvious active roof leaks or structural sagging exist based on the single front-facing exterior photo.",
"Appliances (stove/fridge) are not visible; missing appliances would be considered moderate fix items but not immediate safety failures unless unsafe connections are present."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on the exterior photo and listing stating 'NO REHAB', this 4-bed, 2-bath 1943 single-family appears largely turnkey for Section 8 tenancy but lacks interior verification. Exterior and roof show no major distress. Major life-safety and systems items (smoke/CO detectors, GFCI, HVAC, hot water, electrical panel, bedroom egress) are not visible in photos and must be checked—rental history suggests systems are likely functional. Expect minor cosmetic touch-ups and routine verification to clear NSPIRE inspection; allow 1–4 weeks to address any small items found on interior inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photo and listing claim indicate the property is in tenancy-ready condition with no rehab needed. Exterior siding/paint shows minor wear/soiling but no visible major damage. No interior photos to confirm flooring/cabinets/fixtures; listing explicitly markets 'NO REHAB' which supports a mostly sound interior. Missing appliances are not observed in photos; listing as investor-ready suggests appliances are present or easily replaced. Score reflects minor cosmetic work likely (paint touch-ups, minor fixtures) rather than major repairs."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 70.0,
"rationale": "No visible life-threatening hazards on the exterior (no sagging roof, collapsed elements, or standing water). However, critical NSPIRE items (smoke/CO detectors, GFCI outlets, bedroom egress, deadbolt on door, exposed wiring) cannot be verified from exterior photo. Age of home (1943) raises likelihood of legacy lead-based paint (potential risk). Given active recent rental history and listing statement, it's reasonable to expect functioning smoke detectors and locks but those must be verified. Score reflects moderate confidence in safety but flags items that need interior verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 65.0,
"rationale": "Roof appears intact from the front photo with no visible sagging or large missing areas. Mechanical systems (HVAC, water heater, electrical panel, plumbing) are not visible; however the property has active recent rental events to 2025 which implies functioning systems. Because these cannot be confirmed, score is conservative: likely operational but verification of heating/cooling, hot water, electrical panel condition, and plumbing is required. No visible exterior evidence of major roof leaks or drainage failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Front yard, driveway and walkway are intact; fencing visible on right side. Siding and trim are generally intact though paint/soil present at lower siding. Trees are mature and set back; no clear evidence of major foundation exposure or erosion. Curb appears standard; no visible trip hazards or collapsed walks from the single vantage. Score reflects generally serviceable exterior with minor cosmetic and maintenance needs."
},
{
"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": [
"Potential lead-based paint risk due to year built (1943) — requires evaluation and compliance",
"No interior photos provided — inability to verify critical NSPIRE life-safety items (smoke/CO detectors, GFCI, electrical panel, heating equipment, egress) increases inspection risk until verified"
],
"confidence": 0.6,
"assumptions": [
"Interior is in generally good condition consistent with listing 'NO REHAB' and thus has functioning flooring, walls, and basic fixtures.",
"Appliances (stove/refrigerator) are present or can be provided; missing appliances would be moderate adjustments, not immediate failures.",
"Smoke detectors and deadbolt locks are present and functional, though unverified; carbon monoxide alarms required where applicable will need verification.",
"HVAC, water heater, plumbing and electrical were operational recently due to active rental history; no visible exterior signs of active leaks or roof failure.",
"Windows provide required bedroom egress or will require only minor remedy if not compliant.",
"Property age (1943) creates a possible lead-based paint risk that will need evaluation and tenant disclosure if disturbed."
],
"overall_score": 71.0,
"rubric_version": "2026-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3804 Saint Francis St, Jackson, MS, 39206",
"aggregate": {
"summary": "Exterior and listing indicate a rentable single‑family home with cosmetic exterior wear and moderate unknowns inside. Recent rental history supports that major systems and safety items are likely functional, but several NSPIRE-critical items (smoke/CO detectors, GFCI, egress, handrails) could not be verified from photos. Likely passes an initial HCV inspection with minor repairs or documentation; expect 1–4 weeks to address simple items or up to 30 days if service/repairs are needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Exterior visible in photo shows intact siding and roofline with cosmetic wear, dirt staining at base, and a thin/muddy front lawn. No visible broken windows, major siding holes, or collapsed elements. Listing explicitly states 'NO REHAB' and property has recent rental activity, supporting an assumption interior is serviceable. Missing or aged interior appliances not visible; missing appliances would reduce readiness moderately but listing/rental history imply appliances likely present. Overall appears only minor cosmetic and maintenance repairs are needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.7,
"rationale": "Exterior facade appears structurally intact with an enclosed yard and a fence visible at right. Driveway shows wear and staining; front walk is narrow and lawns are neglected. Large mature trees overhang the roof and may contribute to gutter/roof maintenance needs. No obvious foundation displacement, major siding failure, or visible insect/infestation damage in the provided photo. Site presents minor-to-moderate deferred maintenance but no immediate severe exterior risk visible."
},
{
"key": "rental_history_activity",
"label": "Recent 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 Compliance (NSPIRE risk)",
"score": 65.0,
"rationale": "From the exterior photo there are no obvious life‑threatening hazards (no collapsed ceilings, no standing water, no visible electrical hazards). However, critical NSPIRE items cannot be confirmed: smoke/CO detectors, GFCI outlets, bedroom egress window condition, deadbolt on entry, and presence of handrails for steps. The front entry shows steps with no visible handrail (potential fail depending on rise/run). Large trees overhang roof which increases long‑term roof/leaf/vent risks. Given the property's claimed rental status and 'no rehab' claim, assume basic safety items are likely addressed but unknown items create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 63.3,
"rationale": "Roof shingles visually intact in the photo (no sagging or visible holes) but age of house (built 1943) suggests systems could be aged. No exterior HVAC condenser or water heater are visible from the photo. Rental history and listing claim support the presence of functioning HVAC/plumbing/electrical, but these cannot be verified. Because major systems failures would be inspection blockers and no direct evidence is available, score reflects moderate risk: likely functional but could require servicing or replacement."
}
],
"red_flags": [],
"confidence": 0.9,
"assumptions": [
"Interior condition and major appliances (stove, refrigerator, hot water heater) are present and functional based on listing 'NO REHAB' and recent rental history.",
"House has a heating/cooling system (central or window units) in working order because property is actively rented.",
"Smoke detectors, carbon monoxide alarms (if required), and GFCI outlets may be present but their locations and functionality are unverified.",
"No visible structural sagging, collapsed ceilings, or major foundation movement exist (none evident in provided exterior photo).",
"Electrical panel and wiring are intact and not visibly hazardous; no exposed exterior wiring observed.",
"Front steps may lack a handrail; assume height is borderline for code—may require a handrail depending on local code and riser height."
],
"score_method": "mean_of_criteria",
"overall_score": 68.3,
"rubric_version": "nsprire_assess_2026_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8740544002"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.