Property ID: 8757319790
4211 Meadowlane Dr, Jackson, MS, 39206
Jackson, MS
Money Down: $27,600
CoC Return: 11.04%
Monthly Cash Flow: $254
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Investment Snapshot
Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
11.04%
Rent
$1,191
Monthly Cash Flow
$254
Annual Cash Flow
$3,048
Debt Service / Mo
$612
Property Tax / Mo
$156
Insurance / Mo
$50
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,191
Payment Standard
$1,530
Rent
$1,191
Insurance
$50
Property Tax
$156
Management
$119
Utilities Allowance
$339
NOI (Monthly)
$866
Debt Service
$612
Cash Flow After Debt
$254
Quality Score: 64.80%
Confidence: 89.00%
Overall the property appears renter-ready with mostly cosmetic and dated interior finishes to address. There are no visible structural collapses or active catastrophic damage. The primary inspection risks are code items that are not visible in photos: presence/operation of smoke and CO detectors, GFCI protection in wet areas, and verification of HVAC, water heater and electrical panel condition. With targeted, short-term fixes (install/verify detectors, add/verify GFCI outlets, address small ceiling stain if active leak, secure/repair stair handrail if required, replace a few fixtures), the house is likely to pass an initial HCV/NSPIRE inspection within 30 days. Recent rental activity is a favorable factor.
Section 8 Payment Standard
$1,530
Utility Allowance Total
$339
Guaranteed Section 8 Rent (PS - Utilities)
$1,191
Property Management
$119
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,000
Beds
3
Baths
2
Living Area
1,836 sqft
Lot Size
10,019 sqft
Year Built
1956
Days on Market
17
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$156
Insurance / Mo
$50
Property Description
Looking for a spacious home in the north Jackson area? Are you interested in an investment property? This is a spacious home located on a quite street in north Jackson. The kitchen is equipped with new refrigerator, dishwasher, sink, and stove. There is a large eat in area with a serving bar suite for guests. This home has a spacious den with a wet bar perfect for entertaining. Off the kitchen is another large formal room or could be a 4th bedroom/study. This home is currently rented. Please do not disturb the tenants. Contact your favorite realtor for more information or showing.
Utility Allowances
Air Conditioning
$12
Property includes Central Air, and this is a fixed allowance for a 3-bedroom unit.
Cooking
$11
Property includes a 'Free-Standing Electric Range'. The 'electric' option was selected from the schedule for a 3-bedroom unit.
Heating
$21
Property has 'Central' heating and a 'Natural Gas Connected' utility line. Natural gas is the most likely and cost-effective fuel source.
Other Electric
$69
Standard fixed allowance for lights, outlets, and miscellaneous electric use in a 3-bedroom unit.
Range/Microwave
$3
A microwave is not listed as a provided appliance, so it's assumed to be tenant-supplied. This allowance covers the electricity for a tenant's microwave.
Refrigerator
$4
A refrigerator is provided, but the tenant pays for electricity. This allowance covers the electricity required to run the appliance.
Sewer
$60
Property has a 'Public Sewer' connection. This is the fixed allowance for a 3-bedroom unit.
Trash Collection
$37
Trash collection is a standard municipal service for a single-family home and is assumed to be a tenant expense.
Water
$104
Property has a 'Public' water source and is listed as 'Water Connected'. This is the fixed allowance for a 3-bedroom unit.
Water Heating
$18
Property has a 'Natural Gas Connected' utility line, making natural gas the most probable fuel for water 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$565
DP3 Annual Estimate$624
DP1 Monthly Equivalent$47
DP3 Monthly Equivalent$52
Replacement Value$42,820
Basis1,836 sqft / 1956
Nearby Houses
Photo unavailable
4316 Azalea Dr
sold · 0.03 mi
Price: $65,000
3 bd / 4 ba · 1,719 sqft
Latest sale: — on Mar 04, 2022
Latest rent: —
Photo unavailable
4214 Meadowlane Dr
sold · 0.03 mi
Price: $109,900
3 bd / 2 ba · 1,320 sqft
Latest sale: — on Feb 25, 2022
Latest rent: —
Photo unavailable
617 N Park Dr
for_sale · 0.05 mi
Price: $97,000
4 bd / 2 ba · 1,710 sqft
Latest sale: — on Feb 23, 2024
Latest rent: $1,500 on Apr 02, 2025
Photo unavailable
4243 Meadowlane Dr
sold · 0.06 mi
Price: $89,500
3 bd / 2 ba · 1,400 sqft
Latest sale: — on Jun 30, 2020
Latest rent: —
Photo unavailable
622 N Park Dr
sold · 0.07 mi
Price: $133,000
3 bd / 2 ba · 1,260 sqft
Latest sale: — on May 16, 2022
Latest rent: $1,350 on Jun 27, 2024
Photo unavailable
4224 Azalea Dr
sold · 0.10 mi
Price: $55,000
3 bd / 2 ba · 1,236 sqft
Latest sale: — on Dec 08, 2023
Latest rent: $1,450 on May 06, 2025
Photo unavailable
647 Piermont St
sold · 0.10 mi
Price: $79,900
3 bd / 2 ba · 1,406 sqft
Latest sale: — on Feb 18, 2022
Latest rent: $1,395 on Aug 13, 2024
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide detectors in photos — could be an immediate NSPIRE failure if absent or non-functional.
- GFCI protection in kitchen/bathroom not visible — may fail inspection if missing where required.
- Interior stepped platforms/steps shown without a visible handrail — potential trip/handrail safety issue depending on local code/inspector interpretation.
- Small ceiling stain near a light fixture (possible past/present water intrusion) — requires verification to rule out active leak.
Assumptions
- Kitchen appliances described in the listing (new refrigerator, dishwasher, stove) are present and operational even though not pictured.
- Central HVAC exists and is operational (supply/return register visible and exterior condenser seen in backyard photo).
- No active roof leaks exist beyond the small interior ceiling stain (photo shows a small dark spot near a ceiling fixture that may be a past stain).
- Electrical panel, water heater, and gas connections (if any) are present and intact though not shown; no visible exposed wiring was observed in photos.
- Bedrooms have egress windows that meet escape requirements (not shown in photos) — assumption based on standard construction for a 1956 single-family home unless otherwise noted.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,821 | $62,820 | $9,423 |
| 2023 | $1,812 | $62,820 | $9,423 |
| 2021 | $1,813 | $62,820 | $9,423 |
| 2020 | $1,791 | $62,420 | $9,363 |
| 2019 | $1,792 | $62,420 | $9,363 |
| 2018 | $1,772 | $62,420 | $9,363 |
| 2017 | $1,773 | $62,420 | $9,363 |
| 2016 | $1,727 | $62,420 | $9,363 |
| 2015 | $1,640 | $61,100 | $9,165 |
| 2014 | $1,638 | $61,100 | $9,165 |
| 2013 | $1,593 | $61,100 | $9,165 |
| 2012 | $1,593 | $61,100 | $9,165 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-11-13 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-08-12 | Listed for rent | $1,400 | — |
Photo Gallery
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"list_date": "2025-09-08T00:46:15Z",
"list_price": 115000,
"listing_id": "2986135389",
"last_update_date": "2025-12-01T02:09:47Z",
"last_status_change_date": "2026-01-02T06:21:56Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "116 days",
"source_listing_id": "4124907",
"price_change_percentage": null
},
{
"date": "2025-12-01",
"price": 115000,
"listing": {
"status": "off_market",
"list_date": "2025-09-08T00:46:15Z",
"list_price": 115000,
"listing_id": "2986135389",
"last_update_date": "2025-12-01T02:09:47Z",
"last_status_change_date": "2026-01-02T06:21:56Z"
},
"event_name": "Price Changed",
"price_sqft": 62.63616557734205,
"source_name": "MLSUnited",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "4124907",
"price_change_percentage": null
},
{
"date": "2025-09-08",
"price": 125000,
"listing": {
"status": "off_market",
"list_date": "2025-09-08T00:46:15Z",
"list_price": 115000,
"listing_id": "2986135389",
"last_update_date": "2025-12-01T02:09:47Z",
"last_status_change_date": "2026-01-02T06:21:56Z"
},
"event_name": "Listed",
"price_sqft": 68.08278867102396,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4124907",
"price_change_percentage": null
},
{
"date": "2024-09-09",
"price": 1400,
"listing": {
"status": "off_market",
"list_date": "2024-08-12T03:44:42Z",
"list_price": 1400,
"listing_id": "2970638039",
"last_update_date": "2024-09-08T23:06:44Z",
"last_status_change_date": "2024-09-09T04:33:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4088129",
"price_change_percentage": null
},
{
"date": "2024-08-12",
"price": 1400,
"listing": {
"status": "off_market",
"list_date": "2024-08-12T03:44:42Z",
"list_price": 1400,
"listing_id": "2970638039",
"last_update_date": "2024-09-08T23:06:44Z",
"last_status_change_date": "2024-09-09T04:33:00Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4088129",
"price_change_percentage": null
},
{
"date": "2023-11-13",
"price": 0,
"listing": {
"status": "sold",
"list_date": "2024-03-21T19:15:21Z",
"list_price": 66900,
"listing_id": "2959819483",
"last_update_date": "2023-11-15T08:57:32Z",
"last_status_change_date": "2024-03-21T19:15:21Z"
},
"event_name": "Sold",
"price_sqft": 0,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4059297",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8757319790",
"generated_at": "2026-02-16T22:56:17.912652Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.8
},
"utility_allowance": {
"zip_code": "39206",
"home_photo": "https://ap.rdcpix.com/10cde844081cb1325eba870d149aec01l-m3627965444s-w1280.jpg",
"rent_price": 1191.0,
"loan_amount": 92000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4211-Meadowlane-Dr_Jackson_MS_39206_M87573-19790",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 115000.0,
"loan_term_years": 30,
"annual_cash_flow": 10392.67,
"mortgage_monthly": 612.08,
"payment_standard": 1530.0,
"total_amount_out": 23000.0,
"additional_photos": [
"https://ap.rdcpix.com/10cde844081cb1325eba870d149aec01l-m3126030797s-w1280.jpg",
"https://ap.rdcpix.com/10cde844081cb1325eba870d149aec01l-m535698881s-w1280.jpg",
"https://ap.rdcpix.com/10cde844081cb1325eba870d149aec01l-m2712214595s-w1280.jpg",
"https://ap.rdcpix.com/10cde844081cb1325eba870d149aec01l-m3578929841s-w1280.jpg",
"https://ap.rdcpix.com/10cde844081cb1325eba870d149aec01l-m661787466s-w1280.jpg",
"https://ap.rdcpix.com/10cde844081cb1325eba870d149aec01l-m2230039777s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 49.54,
"monthly_cash_flow": 866.06,
"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 includes Central Air, and this is a fixed allowance for a 3-bedroom unit.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Property includes a 'Free-Standing Electric Range'. The 'electric' option was selected from the schedule for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Property has 'Central' heating and a 'Natural Gas Connected' utility line. Natural gas is the most likely and cost-effective fuel source.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Standard fixed allowance for lights, outlets, and miscellaneous electric use in a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "A microwave is not listed as a provided appliance, so it's assumed to be tenant-supplied. This allowance covers the electricity for a tenant's microwave.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "A refrigerator is provided, but the tenant pays for electricity. This allowance covers the electricity required to run the appliance.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Property has a 'Public Sewer' connection. This is the fixed allowance for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Trash collection is a standard municipal service for a single-family home and is assumed to be a tenant expense.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property has a 'Public' water source and is listed as 'Water Connected'. This is the fixed allowance for a 3-bedroom unit.",
"utility": "Water",
"allowance": 104
},
{
"note": "Property has a 'Natural Gas Connected' utility line, making natural gas the most probable fuel for water heating.",
"utility": "Water Heating",
"allowance": 18
}
],
"cash_on_cash_return": 0.45,
"down_payment_amount": 23000.0,
"property_tax_annual": 1875.63,
"property_tax_monthly": 156.3,
"property_tax_increase": 0.03,
"utility_allowance_total": 339.0,
"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": 3047.73,
"property_management_monthly": 119.1,
"monthly_cash_flow_after_debt": 253.98,
"cash_on_cash_return_after_debt": 0.13
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears renter-ready with mostly cosmetic and dated interior finishes to address. There are no visible structural collapses or active catastrophic damage. The primary inspection risks are code items that are not visible in photos: presence/operation of smoke and CO detectors, GFCI protection in wet areas, and verification of HVAC, water heater and electrical panel condition. With targeted, short-term fixes (install/verify detectors, add/verify GFCI outlets, address small ceiling stain if active leak, secure/repair stair handrail if required, replace a few fixtures), the house is likely to pass an initial HCV/NSPIRE inspection within 30 days. Recent rental activity is a favorable factor.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior is dated but appears intact: wood paneling, mixed hardwood and newer carpet, drop ceiling tiles and older light fixtures. No visible major water damage, collapsed ceilings, or exposed subfloor. Listing states new kitchen appliances (refrigerator, dishwasher, stove) which reduces penalty for missing appliances. Cosmetic updates (paint, trim, some flooring refinishing, fixture replacements) and minor repairs (light fixtures, outlet covers, possible door hardware) are needed but no structural rehab visible. Several rooms show worn finishes and dated materials that are capital/cosmetic only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, no standing water, no exposed wiring). However, smoke detectors and carbon monoxide detectors are not visible in the photos — HUD/NSPIRE requires working smoke detectors on each level and outside sleeping areas and CO detectors where required. GFCI protection in kitchen/bath is not visible. Interior short stair steps are carpeted but no visible handrail on the small stepped platform beside the bar — potential trip/handrail issue. Ceiling in one room shows a small dark spot near a fixture (possible staining) which should be inspected for past or active leaks. Because these safety items are uncertain or not shown, inspection risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "No electrical panel, water heater or furnace images provided. A supply/return vent is visible in a hallway and an outdoor condenser pad/unit appears in backyard photo, indicating central HVAC likely present. House is occupied and listing implies functioning kitchen appliances. Roof shingles appear aged but show no visible sagging or active leaks in provided exterior/interior photos. Given age (1956) systems may be original or aged and should be tested; however there are no visible catastrophic system failures in photos. Moderate risk until service records/inspections confirm operation."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior shows intact siding and an established yard. Driveway has surface cracking but is serviceable. Large mature tree in backyard is a positive for shade but could present future root/drainage issues; no standing water is visible. Fencing present but condition not fully shown. Garage door is older but appears functional. Overall exterior shows typical wear for age but no immediate structural or safety collapse signs."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos — could be an immediate NSPIRE failure if absent or non-functional.",
"GFCI protection in kitchen/bathroom not visible — may fail inspection if missing where required.",
"Interior stepped platforms/steps shown without a visible handrail — potential trip/handrail safety issue depending on local code/inspector interpretation.",
"Small ceiling stain near a light fixture (possible past/present water intrusion) — requires verification to rule out active leak."
],
"confidence": 0.7,
"assumptions": [
"Kitchen appliances described in the listing (new refrigerator, dishwasher, stove) are present and operational even though not pictured.",
"Central HVAC exists and is operational (supply/return register visible and exterior condenser seen in backyard photo).",
"No active roof leaks exist beyond the small interior ceiling stain (photo shows a small dark spot near a ceiling fixture that may be a past stain).",
"Electrical panel, water heater, and gas connections (if any) are present and intact though not shown; no visible exposed wiring was observed in photos.",
"Bedrooms have egress windows that meet escape requirements (not shown in photos) — assumption based on standard construction for a 1956 single-family home unless otherwise noted."
],
"overall_score": 69.0,
"rubric_version": "1.0"
},
{
"summary": "This single-family property is largely structurally intact and appears rent-ready with mostly cosmetic and verification tasks. The kitchen reportedly has new appliances and many interior finishes are tidy; however several NSPIRE-relevant items must be confirmed and/or corrected before an initial HCV inspection will reliably pass: proper smoke/CO detectors, GFCI protection in required locations, handrails/guards for interior steps/platforms, and confirmation that window security bars do not block emergency egress. Mechanical systems (central HVAC, water heater, electrical panel) were not visible and require verification. Expect minor repairs and documentation tasks; likely rent-ready within ~30 days if the noted items are addressed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs needed",
"score": 72.0,
"rationale": "Overall interior and exterior are dated but largely intact. Photos show older wood-panel walls and drop ceiling tiles (cosmetic), worn hardwood floors in main room but no visible structural floor failure, and new carpeting in some rooms. Kitchen is reported to have new refrigerator, dishwasher and stove (listing), which reduces capital needs. Driveway has visible cracking and exterior trim/paint looks weathered. No collapsed ceilings, exposed subfloor, or major visible structural damage. Most issues appear cosmetic or moderate repairs (floor refinishing, paint, driveway patching, minor trim work, possible replacement of a few fixtures)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Moderate inspection risk. No obvious exposed electrical wiring or damaged electrical panel visible in photos. However: (1) I do not see clearly-located smoke or carbon monoxide detectors in the photographed rooms (one small round device near a ceiling light is indeterminate); (2) interior steps/raised platforms (entry step and multi-step raised area at the bar) are shown without a handrail or guard—this can be a NSPIRE fail if riser/landing height requires one; (3) front windows show security/grill bars which could impede emergency egress if installed on bedrooms without quick-release; (4) GFCI outlets in kitchen/bath are not visible in photos; (5) there is a small dark spot near a ceiling fixture that could be a stain from prior water intrusion (no active leakage visible). Because the listing states the unit is currently rented and kitchen appliances are new, immediate life-threatening issues are not obvious but several code items (smoke/CO, handrails, egress) need confirmation or correction."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Limited visible evidence: roof appears aged but not visibly sagging or with large missing areas from exterior photo; HVAC presence is unclear — a window/wall unit is visible in one front window which suggests at least local cooling, but central HVAC and heating equipment, water heater and electrical panel are not shown. Listing indicates the kitchen appliances are new which suggests functional gas/electrical hook-ups. No visible plumbing failures or overflowing/dripping fixtures in photos. Because critical systems (central HVAC, water heater, electrical panel) are not shown, assign moderate score for uncertainty and need for verification of operational status."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 70.0,
"rationale": "Yard and fence appear intact and generally maintained; lot is flat with mature trees. Driveway has notable cracking and minor spalling. Exterior siding/paint looks weathered but serviceable; shrubs in front are overgrown and partially obscure windows and may need trimming to ensure safe egress and visibility. No visible standing water or major foundation separation from provided exterior images. Backyard appears cleared and level. Overall, mostly cosmetic site work needed and minor drainage/landscaping 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": [
"Missing or absent handrails on interior steps/raised platforms (unsafe stairs)",
"Window security/grill bars visible that may block emergency egress if not quick-release",
"No clearly visible smoke detectors or carbon monoxide alarms in photos"
],
"confidence": 0.6,
"assumptions": [
"Listing statement that kitchen has new refrigerator, dishwasher and stove is accurate and those appliances are functioning.",
"Photos are representative of the whole unit and there are no unseen collapsed ceilings, active interior flooding or major structural issues beyond what is shown.",
"Window security bars visible on front windows may also exist on other windows; assume they are the traditional fixed grills unless landlord confirms quick-release egress capability.",
"Central HVAC and water heater are present and operational but not visible in photos; assumed working unless inspection shows otherwise.",
"No evidence of major pest infestation or active mold growth in provided photos; assume none present but require inspection to confirm."
],
"overall_score": 64.0,
"rubric_version": "ns+section8-v1"
},
{
"summary": "Overall the property appears rent-ready with mostly cosmetic/updating needs. The unit is tenant-occupied and listing states new kitchen appliances, and an exterior HVAC unit is visible — all positive. Major inspection risks to address before a Housing Choice Voucher/NSPIRE initial inspection: verify and install smoke and CO detectors as required, confirm there is no active water intrusion where ceiling staining is visible, install/confirm required handrails/guards for interior steps if applicable, and confirm GFCI protection in kitchen/baths and functioning hot water. Roof and systems should be mechanically inspected due to age. With these targeted fixes and verification (30 days or less for many items), this property would likely pass an initial HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 68.0,
"rationale": "Interior appears dated but generally intact: wood paneling, some newer carpeting in living/den, hardwood in main room with wear but no visible major damage. Kitchen appliances are reported as new in the listing (refrigerator, dishwasher, stove, sink) so missing-appliance risk is low. Cosmetic updates (paneling, fixtures, ceiling tiles) and minor repairs (driveway cracks, trim, repaint) likely required but no visible severe deferred maintenance. Carpeting and finishes may need cleaning/repair after tenant occupancy."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Visible safety concerns and gaps: no smoke or CO detectors visible in photos; small dark ceiling stain near a fixture suggests prior or active water intrusion which could be an inspection failure if active; interior steps to rooms have no visible handrail; egress windows not clearly shown for bedrooms. Entry door hardware (deadbolt) not confirmed. No exposed wiring visible, but GFCI presence in kitchen/bath not shown. Because several required items are unverified or potentially missing, safety/code risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 60.0,
"rationale": "Major systems appear present but condition not fully verifiable from photos. An outdoor condensing unit is visible in the backyard (HVAC likely present). Roof shows aged shingles but no visible sagging or large failures in photos. Water-stain near ceiling indicates possible plumbing/roof leak that should be investigated. Electrical panel and water heater not shown. Given presence of HVAC and no clear catastrophic failures visible, score is moderate but uncertainty lowers it."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 70.0,
"rationale": "Exterior envelope is intact in photos: siding/trim present, attached garage, fenced yard. Driveway has cracks and a raised slab area near the front (minor trip hazard). Yard is maintained but mature large tree near the house may present root or drainage concerns. Fence appears older but functioning. No standing water or obvious site drainage failure visible."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent 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": [
"Dark ceiling stain near a ceiling fixture (possible active or recent water intrusion) — investigate and repair before inspection.",
"No visible smoke detectors or carbon monoxide detectors in photos — required devices may be missing.",
"Potential lead-paint risk (property built 1956) — lead hazard disclosures and remediation as required.",
"Interior steps to rooms lack a visible handrail — may require installation depending on riser count and local code/NSPIRE interpretation.",
"Aged roof and cracked/raised concrete in driveway/walkway (trip hazard) that should be assessed/mitigated."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that refrigerator, dishwasher, sink, and stove are new is accurate and appliances are present at the time of inspection.",
"Outdoor HVAC condensing unit visible in backyard indicates a working central HVAC system; exact operational status unknown.",
"Water heater and electrical panel are present and functional though not pictured.",
"No active significant structural movement or foundation failure is present (no visible sagging or major cracks in photos).",
"No visible severe mold or large areas of peeling paint; however, the property was built in 1956 so lead-paint risk exists and should be handled per HUD rules if work is done.",
"Absence of visible smoke/CO detectors in photos is assumed to mean they may be missing or not in visible locations; they must be verified in person."
],
"overall_score": 68.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4211 Meadowlane Dr, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall the property appears renter-ready with mostly cosmetic and dated interior finishes to address. There are no visible structural collapses or active catastrophic damage. The primary inspection risks are code items that are not visible in photos: presence/operation of smoke and CO detectors, GFCI protection in wet areas, and verification of HVAC, water heater and electrical panel condition. With targeted, short-term fixes (install/verify detectors, add/verify GFCI outlets, address small ceiling stain if active leak, secure/repair stair handrail if required, replace a few fixtures), the house is likely to pass an initial HCV/NSPIRE inspection within 30 days. Recent rental activity is a favorable factor.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.7,
"rationale": "Interior is dated but appears intact: wood paneling, mixed hardwood and newer carpet, drop ceiling tiles and older light fixtures. No visible major water damage, collapsed ceilings, or exposed subfloor. Listing states new kitchen appliances (refrigerator, dishwasher, stove) which reduces penalty for missing appliances. Cosmetic updates (paint, trim, some flooring refinishing, fixture replacements) and minor repairs (light fixtures, outlet covers, possible door hardware) are needed but no structural rehab visible. Several rooms show worn finishes and dated materials that are capital/cosmetic only."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior shows intact siding and an established yard. Driveway has surface cracking but is serviceable. Large mature tree in backyard is a positive for shade but could present future root/drainage issues; no standing water is visible. Fencing present but condition not fully shown. Garage door is older but appears functional. Overall exterior shows typical wear for age but no immediate structural or safety collapse signs."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 56.7,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, no standing water, no exposed wiring). However, smoke detectors and carbon monoxide detectors are not visible in the photos — HUD/NSPIRE requires working smoke detectors on each level and outside sleeping areas and CO detectors where required. GFCI protection in kitchen/bath is not visible. Interior short stair steps are carpeted but no visible handrail on the small stepped platform beside the bar — potential trip/handrail issue. Ceiling in one room shows a small dark spot near a fixture (possible staining) which should be inspected for past or active leaks. Because these safety items are uncertain or not shown, inspection risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 61.7,
"rationale": "No electrical panel, water heater or furnace images provided. A supply/return vent is visible in a hallway and an outdoor condenser pad/unit appears in backyard photo, indicating central HVAC likely present. House is occupied and listing implies functioning kitchen appliances. Roof shingles appear aged but show no visible sagging or active leaks in provided exterior/interior photos. Given age (1956) systems may be original or aged and should be tested; however there are no visible catastrophic system failures in photos. Moderate risk until service records/inspections confirm operation."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos — could be an immediate NSPIRE failure if absent or non-functional.",
"GFCI protection in kitchen/bathroom not visible — may fail inspection if missing where required.",
"Interior stepped platforms/steps shown without a visible handrail — potential trip/handrail safety issue depending on local code/inspector interpretation.",
"Small ceiling stain near a light fixture (possible past/present water intrusion) — requires verification to rule out active leak."
],
"confidence": 0.89,
"assumptions": [
"Kitchen appliances described in the listing (new refrigerator, dishwasher, stove) are present and operational even though not pictured.",
"Central HVAC exists and is operational (supply/return register visible and exterior condenser seen in backyard photo).",
"No active roof leaks exist beyond the small interior ceiling stain (photo shows a small dark spot near a ceiling fixture that may be a past stain).",
"Electrical panel, water heater, and gas connections (if any) are present and intact though not shown; no visible exposed wiring was observed in photos.",
"Bedrooms have egress windows that meet escape requirements (not shown in photos) — assumption based on standard construction for a 1956 single-family home unless otherwise noted."
],
"score_method": "mean_of_criteria",
"overall_score": 64.8,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8757319790"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.