Property ID: 8826772838

1326 Cadillac Dr, Jackson, MS, 39213

Jackson, MS

For Sale Feb 16, 2026 11:25 PM UTC Realtor Zillow Street View
Money Down: $14,280 CoC Return: 29.55% Monthly Cash Flow: $352
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$11,900
Closing Costs
$2,380
Total Down
$14,280
Primary property image

Investment Snapshot

Purchase Price
$59,500
Money Down
$14,280
Cash-on-Cash Return
29.55%
Rent
$854
Monthly Cash Flow
$352
Annual Cash Flow
$4,219
Debt Service / Mo
$317
Property Tax / Mo
$71
Insurance / Mo
$30

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$854
Payment Standard
$1,190
Rent
$854
Insurance
$30
Property Tax
$71
Management
$85
Utilities Allowance
$336
NOI (Monthly)
$668
Debt Service
$317
Cash Flow After Debt
$352

Quality Score: 65.50%

Confidence: 92.00%

This 3BR/1BA single-family property is mostly cosmetically updated and is close to Section 8 / HCV readiness. The home shows new-looking floors, painted walls, operable kitchen and bath fixtures, a closed electrical panel, and a seemingly recently replaced roof. Primary inspection risks are a ceiling opening in the bathroom (possible exposed wiring), likely lack of GFCI-protected outlets in kitchen/bath, potentially non-compliant bedroom egress windows, and no handrail at the front steps. Addressing the electrical/fixture opening, installing required GFCI/CO detectors, verifying egress, and adding a handrail will likely move this to rent-ready for voucher applicants within 1–2 weeks for minor repairs or up to 30 days if electrician/plumbing work is needed.

Section 8 Payment Standard
$1,190
Utility Allowance Total
$336
Guaranteed Section 8 Rent (PS - Utilities)
$854
Property Management
$85

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$59,500
Beds
3
Baths
1
Living Area
1,054 sqft
Lot Size
6,098 sqft
Year Built
1962
Days on Market
52
Capital Outlay
$14,280
Debt Service
$317
Property Tax / Mo
$71
Insurance / Mo
$30

Property Description

Investment Opportunity in Jackson, MS - 3-bedroom, 1 bath property with strong rental potential. Ideal for investors seeking steady cash flow in a growing market. Features functional layout, a low-maintenance design, and a tenant-ready condition. A solid addition to any rental portfolio. Property is being sold ''as-is''.

Utility Allowances

Heating
$21
Selected 'Natural Gas' for Heating as the property details state 'Natural Gas Available' and the home has central heating. The allowance is based on the 3BR value from the schedule.
Cooking
$8
Selected 'Natural Gas' for Cooking as the property details state 'Natural Gas Available' and photos show a stove. The allowance is based on the 3BR value from the schedule.
Water Heating
$18
Selected 'Natural Gas' for Water Heating. While not explicitly stated, it is inferred from the availability of natural gas for other appliances. The allowance is based on the 3BR value from the schedule.
Other Electric
$69
This fixed allowance for general electric use (lights, outlets) is based on the 3BR value from the schedule.
Air Conditioning
$12
The property is listed with 'Central Air'. This fixed allowance is based on the 3BR value from the schedule.
Water
$104
The property uses a 'Public' water source. This fixed allowance is based on the 3BR value from the schedule.
Sewer
$60
The property uses a 'Public Sewer'. This fixed allowance is based on the 3BR value from the schedule.
Trash Collection
$37
This is a standard utility for a single-family home. The fixed allowance is based on the 3BR value from the schedule.
Refrigerator (Tenant-owned)
$4
A refrigerator is not listed as a provided appliance. This allowance is for a tenant-owned refrigerator, based on the 3BR value from the schedule.
Range/Microwave (Tenant-owned)
$3
A microwave is not listed as a provided appliance. This allowance is for tenant-owned cooking appliances, based on the 3BR value from the schedule.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$349
DP3 Annual Estimate$365
DP1 Monthly Equivalent$29
DP3 Monthly Equivalent$30
Replacement Value$21,870
Basis1,054 sqft / 1962

Nearby Houses

Nearby house 1
Photo unavailable

1415 Geeston St

sold · 0.07 mi
Price: $39,900
4 bd / 2 ba · 1,508 sqft
Latest sale: — on Mar 19, 2025
Latest rent: —
Nearby house 2
Photo unavailable

3552 Douglas Ave

sold · 0.10 mi
Price: $55,000
3 bd / 1 ba · 1,404 sqft
Latest sale: — on May 06, 2022
Latest rent: —
Nearby house 3
Photo unavailable

3540 Douglas Ave

sold · 0.13 mi
Price: $40,000
2 bd / 1 ba · 776 sqft
Latest sale: — on Apr 14, 2023
Latest rent: —
Nearby house 4
Photo unavailable

3731 Brinkley Dr

sold · 0.17 mi
Price: $130,000
3 bd / 2 ba · 1,400 sqft
Latest sale: — on Jul 09, 2024
Latest rent: —
Nearby house 5
Photo unavailable

3612 Livingston Rd Unit 2

off_market · 0.18 mi
Price: $500
1 bd / 1 ba · 250 sqft
Latest sale: —
Latest rent: —
Nearby house 6
Photo unavailable

1441 School Park St

sold · 0.18 mi
Price: $31,900
4 bd / 3 ba · 2,737 sqft
Latest sale: — on Jan 24, 2025
Latest rent: —
Nearby house 7
Photo unavailable

1175 Eminence Row Unit F7

off_market · 0.20 mi
Price: $650
2 bd / 1 ba · 700 sqft
Latest sale: —
Latest rent: $650 on Jan 19, 2026
Nearby house 8
Photo unavailable

1175 Eminence Row Unit F6

off_market · 0.20 mi
Price: $650
2 bd / 1 ba · 700 sqft
Latest sale: —
Latest rent: $650 on Jan 19, 2026
Nearby house 9
Photo unavailable

1175 Eminence Row Unit F8

off_market · 0.20 mi
Price: $650
2 bd / 1 ba · 700 sqft
Latest sale: —
Latest rent: $650 on Jan 19, 2026
Nearby house 10
Photo unavailable

1450 School Park Dr

sold · 0.21 mi
Price: $65,000
3 bd / 2 ba · 1,950 sqft
Latest sale: —
Latest rent: —
Nearby house 11
Photo unavailable

3449 Fontaine Ave

sold · 0.21 mi
Price: $77,000
3 bd / 1 ba · 1,149 sqft
Latest sale: — on Aug 13, 2024
Latest rent: $950 on Jul 16, 2023
Nearby house 12
Photo unavailable

3751 Fontaine Ave

sold · 0.22 mi
Price: $40,000
3 bd / 1 ba · 877 sqft
Latest sale: — on Jul 01, 2025
Latest rent: —
Nearby house 13
Photo unavailable

3760 Douglas Ave

for_sale · 0.22 mi
Price: $40,000
2 bd / 1 ba · 847 sqft
Latest sale: —
Latest rent: —
Nearby house 14
Photo unavailable

3761 Brinkley Dr

for_sale · 0.22 mi
Price: $69,920
3 bd / 2 ba · 1,226 sqft
Latest sale: —
Latest rent: —
Nearby house 15
Photo unavailable

3514 16 Edwards Ave Unit 16

sold · 0.25 mi
Price: $19,900
2 bd / 2 ba
Latest sale: — on May 10, 2024
Latest rent: —
Nearby house 16
Photo unavailable

3771 Terrell Ave

sold · 0.25 mi
Price: $69,900
3 bd / 2 ba · 1,470 sqft
Latest sale: — on Jun 23, 2025
Latest rent: —
Nearby house 17
Photo unavailable

1483 Rockdale Dr

for_sale · 0.25 mi
Price: $65,000
3 bd / 3 ba · 2,000 sqft
Latest sale: —
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success
  • Electrical hazards — unfinished ceiling opening in bathroom (possible exposed wiring).
  • Potential inadequate bedroom egress — small/high windows may not meet emergency escape requirements.
  • Unsafe exterior stairs — front steps lack a handrail (possible code/safety fail depending on riser count).

Assumptions

  • Appliances: Electric range/stove is present and appears functional; no refrigerator shown and assumed not provided.
  • Heating & hot water: Central HVAC registers are visible; HVAC system and water heater are assumed present and functional but not photographed or verified.
  • Smoke detector pictured is functional; no CO detector is visible and is assumed not present.
  • Bathroom ceiling opening is assumed to be an unfinished electrical/vent fixture penetration and may present exposed wiring until repaired.
  • Bedroom windows pictured may not meet NSPIRE/HQS egress dimensions based on size/placement; exact dimensions unknown.
  • No active roof leak observed in photos; small ceiling stains likely from a past event that was repaired or localized.
  • Electrical panel observed is assumed to be serviceable (closed cover) but internal condition and amperage not verified.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $822 $28,370 $4,256
2023 $818 $28,370 $4,256
2021 $818 $28,370 $4,256
2020 $808 $28,170 $4,226
2019 $809 $28,170 $4,226
2018 $800 $28,170 $4,226
2017 $800 $28,170 $4,226
2016 $779 $28,170 $4,226
2015 $731 $27,250 $4,088
2014 $730 $27,250 $4,088
2013 $679 $26,060 $3,909
2012 $679 $26,060 $3,909
2011 $644 $25,060 $3,759
2010 $640 $25,060 $3,759
2009 $640 $25,060 $3,759

Sale History

DateEventPrice
1998-03-05 Sold

Photo Gallery

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          {
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            "assessment": {
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          {
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            "market": {
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            "assessment": {
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            "assessment": {
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    "reason": "disabled",
    "enabled": false
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    "eligible": true,
    "min_score": 60.0,
    "overall_score": 65.5
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    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 59500.0,
    "loan_term_years": 30,
    "annual_cash_flow": 8019.54,
    "mortgage_monthly": 316.68,
    "payment_standard": 1190.0,
    "total_amount_out": 11900.0,
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    "down_payment_rate": 0.2,
    "insurance_monthly": 29.75,
    "monthly_cash_flow": 668.3,
    "property_tax_rate": 0.0095,
    "_utility_allowance": {
      "sources": [
        "https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
        "https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
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      "effective_date": "2025-12-01"
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    "utility_allowances": [
      {
        "note": "Selected 'Natural Gas' for Heating as the property details state 'Natural Gas Available' and the home has central heating. The allowance is based on the 3BR value from the schedule.",
        "utility": "Heating",
        "allowance": 21
      },
      {
        "note": "Selected 'Natural Gas' for Cooking as the property details state 'Natural Gas Available' and photos show a stove. The allowance is based on the 3BR value from the schedule.",
        "utility": "Cooking",
        "allowance": 8
      },
      {
        "note": "Selected 'Natural Gas' for Water Heating. While not explicitly stated, it is inferred from the availability of natural gas for other appliances. The allowance is based on the 3BR value from the schedule.",
        "utility": "Water Heating",
        "allowance": 18
      },
      {
        "note": "This fixed allowance for general electric use (lights, outlets) is based on the 3BR value from the schedule.",
        "utility": "Other Electric",
        "allowance": 69
      },
      {
        "note": "The property is listed with 'Central Air'. This fixed allowance is based on the 3BR value from the schedule.",
        "utility": "Air Conditioning",
        "allowance": 12
      },
      {
        "note": "The property uses a 'Public' water source. This fixed allowance is based on the 3BR value from the schedule.",
        "utility": "Water",
        "allowance": 104
      },
      {
        "note": "The property uses a 'Public Sewer'. This fixed allowance is based on the 3BR value from the schedule.",
        "utility": "Sewer",
        "allowance": 60
      },
      {
        "note": "This is a standard utility for a single-family home. The fixed allowance is based on the 3BR value from the schedule.",
        "utility": "Trash Collection",
        "allowance": 37
      },
      {
        "note": "A refrigerator is not listed as a provided appliance. This allowance is for a tenant-owned refrigerator, based on the 3BR value from the schedule.",
        "utility": "Refrigerator (Tenant-owned)",
        "allowance": 4
      },
      {
        "note": "A microwave is not listed as a provided appliance. This allowance is for tenant-owned cooking appliances, based on the 3BR value from the schedule.",
        "utility": "Range/Microwave (Tenant-owned)",
        "allowance": 3
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    "cash_on_cash_return": 0.67,
    "down_payment_amount": 11900.0,
    "property_tax_annual": 846.66,
    "property_tax_monthly": 70.55,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 336.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
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      "effective_date": "2025-10-01"
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    "property_management_monthly": 85.4,
    "monthly_cash_flow_after_debt": 351.61,
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    "runs": [
      {
        "summary": "This 3BR/1BA single-family property is mostly cosmetically updated and is close to Section 8 / HCV readiness. The home shows new-looking floors, painted walls, operable kitchen and bath fixtures, a closed electrical panel, and a seemingly recently replaced roof. Primary inspection risks are a ceiling opening in the bathroom (possible exposed wiring), likely lack of GFCI-protected outlets in kitchen/bath, potentially non-compliant bedroom egress windows, and no handrail at the front steps. Addressing the electrical/fixture opening, installing required GFCI/CO detectors, verifying egress, and adding a handrail will likely move this to rent-ready for voucher applicants within 1–2 weeks for minor repairs or up to 30 days if electrician/plumbing work is needed.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior appears recently refreshed: new-looking LVT in main living areas, new carpet in bedrooms, painted walls, intact tile in kitchen. Kitchen has an operable range but no refrigerator shown (moderate negative). Cosmetic wear at cabinet bases, vanity, and some trim/thresholds. Bathroom ceiling has an unfinished opening (repair needed). Exterior shows cracked driveway and debris but no severe deferred maintenance. Overall only minor-to-moderate repair items and cosmetic work needed before tenancy."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk (NSPIRE)",
            "score": 55.0,
            "rationale": "Smoke detector visible in main living area (positive). Front entry shows a lock and deadbolt. However there are several safety risks: a ceiling opening in the bathroom (possible exposed wiring and unfinished fixture), no visible GFCI protection at bathroom/kitchen outlets in photos, no visible CO alarm, and bedroom windows appear small/high and may not meet emergency egress dimensions. Exterior front steps have no handrail. These items create a moderate risk of initial fail on an HQS/NSPIRE inspection until corrected."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 65.0,
            "rationale": "Roof appears recently re-shingled with no visible sag or active leaks, which lowers major roof risk. Central HVAC duct registers and return vents are visible (suggests central heating/cooling present), and an electrical panel is visible and closed in a bedroom. Plumbing fixtures (sink, tub, toilet) are present and show no active leaks in photos. Water heater and furnace are not pictured (assumed present but unverified). The ceiling opening could indicate electrical fixture/vent work required. Overall systems look functional but not fully verified."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "Exterior envelope (siding and brick) appears intact and painted; no obvious foundation settlement or siding failure seen. Driveway has cracking and leaf/debris accumulation; yard is modest and shows normal wear. Front concrete steps lack a handrail (safety/citation risk if riser count/height exceeds local code). Carport and roofline look serviceable. No visible standing water or major drainage failures in provided photos."
          }
        ],
        "red_flags": [
          "Electrical hazards — unfinished ceiling opening in bathroom (possible exposed wiring).",
          "Potential inadequate bedroom egress — small/high windows may not meet emergency escape requirements.",
          "Unsafe exterior stairs — front steps lack a handrail (possible code/safety fail depending on riser count)."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Appliances: Electric range/stove is present and appears functional; no refrigerator shown and assumed not provided.",
          "Heating & hot water: Central HVAC registers are visible; HVAC system and water heater are assumed present and functional but not photographed or verified.",
          "Smoke detector pictured is functional; no CO detector is visible and is assumed not present.",
          "Bathroom ceiling opening is assumed to be an unfinished electrical/vent fixture penetration and may present exposed wiring until repaired.",
          "Bedroom windows pictured may not meet NSPIRE/HQS egress dimensions based on size/placement; exact dimensions unknown.",
          "No active roof leak observed in photos; small ceiling stains likely from a past event that was repaired or localized.",
          "Electrical panel observed is assumed to be serviceable (closed cover) but internal condition and amperage not verified."
        ],
        "overall_score": 67.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This single-family property is broadly in rentable, mostly cosmetic condition with a recently maintained exterior and intact interior finishes. Primary inspection risks are a visible open ceiling hole in the bathroom (exposes attic/possible wiring), uncertain GFCI protection in kitchen/bath, absence of a visible CO alarm, and lack of a handrail on front steps. Major systems (roof, HVAC registers, electrical panel, plumbing fixtures) are present but require functional verification. With 1–4 days of targeted repairs (seal/repair bathroom ceiling, install required GFCI devices and CO alarm if needed, add handrail, minor cosmetic touch-ups and confirm HVAC/water heater operation) the property is likely to pass a Housing Choice Voucher (Section 8 / NSPIRE) initial inspection; expect ~1–4 weeks to fully verify and remediate depending on contractor scheduling.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior appears freshly painted with new-looking vinyl plank in main living areas and new carpet in bedrooms. Kitchen has working sink, cabinetry and a stove present; bathroom fixtures in place. Visible deferred/cosmetic items: chipped cabinet paint, missing transition strip at doorway, bathroom tile and vanity show age, small exterior concrete cracks and leaf/debris accumulation. Missing refrigerator (not pictured) reduces turnkey readiness modestly but is not a safety failure. Overall the property needs mostly cosmetic and minor repair work."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 50.0,
            "rationale": "A smoke detector is visible in the living area (photo). Entry door shows a deadbolt. The electrical panel is present and appears covered in a bedroom. Significant safety concerns: an open/unfinished ceiling hole in the bathroom (exposes attic space and possibly wiring/insulation/pests) — this is an inspection risk and potential electrical/plumbing hazard. No carbon-monoxide detector was observed in photos. GFCI protection for kitchen/bath outlets is not evident from photos (bath outlet near sink appears standard), which would likely need correction. Front entry has a short set of steps without a handrail which may be required locally. Bedroom windows are small; egress size/height cannot be fully verified from photos and should be confirmed. No severe mold, active leaks, collapsed ceilings, or exposed major wiring were observed in the photos, but the bathroom ceiling hole elevates inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 65.0,
            "rationale": "Roof shingles appear in good condition (recent replacement or well-maintained) from exterior photo. Ceiling HVAC supply/return registers are visible in multiple rooms indicating central HVAC is installed; operation cannot be confirmed but presence is positive. The electrical panel is present and appears intact. Plumbing fixtures (kitchen sink, bathroom tub, toilet) are installed; no obvious active leaks shown. Water heater is not visible in photos and its condition/age is unknown. The bathroom ceiling opening could indicate prior mechanical work or venting that requires repair. Overall systems appear present but several items need functional verification and minor fixes (bath ceiling repair, GFCI installation, confirm water heater/HVAC operation)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Exterior envelope (siding and brick foundation) looks intact and painted; roof shingles appear in good condition. Carport and concrete driveway are serviceable though the driveway and front walk show cracking and leaf/debris build-up. Front concrete steps lack a handrail. Yard and site show general maintenance needs (clean-up) but no major visible foundation movement, standing water, nor obvious infestation evidence in provided photos."
          }
        ],
        "red_flags": [
          "Open/unfinished hole in bathroom ceiling exposing attic space — potential electrical/plumbing/insulation hazard that must be closed prior to inspection.",
          "Likely missing GFCI protection at bathroom and kitchen outlets (not evident in photos) — common inspection failure if not installed.",
          "No visible carbon-monoxide alarm (required if any fuel-burning appliances or attached garage) — must be confirmed/installed.",
          "Front entry steps lack a handrail — may be required by local code/inspector depending on riser count and must be addressed."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Central HVAC is present because ceiling supply/return registers are visible; assumed operational but not tested.",
          "Water heater exists on site but is not pictured; assumed present and functional but should be verified.",
          "Stove is electric (visible electric coil style) so carbon-monoxide risk from cooking appliance is low; gas connections not observed.",
          "Bedroom egress windows appear small but are assumed to meet local egress requirements; this must be confirmed during in-person inspection.",
          "Lead-based paint potential exists because house built in 1962; no peeling paint was visible in photos but lead disclosure and risk mitigation should be followed for pre-1978 properties.",
          "No active roof leaks observed from interior photos; discoloration in a few ceiling corners is minor and assumed not to be active water intrusion but should be checked.",
          "Absence of a refrigerator in listing photos is assumed (no effect on safety but reduces turnkey convenience)."
        ],
        "overall_score": 66.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This 3BR/1BA home presents as largely tenant-ready cosmetically with a sound roof and visible HVAC ducting, but has several inspection risks that will likely need correction before a Housing Choice Voucher initial inspection will pass. Priority items: repair/replace bathroom ceiling cover (possible exposed wiring), install/verify smoke alarms in each sleeping room and on every level, repair/replace crumbling front step and address handrail requirement, fix or level cracked/uneven walkway/driveway trip hazards, and confirm GFCI protection and hot water/HVAC operation. With those corrections (most are low-to-moderate cost), the property is likely to be rent-ready within 2–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 65.0,
            "rationale": "Interior photos show recently replaced floors, fresh paint, intact cabinets and tile — overall cosmetically clean. Observable issues: missing refrigerator, some worn cabinet paint, threshold/transition pieces missing at doorways, cracked/uneven concrete at driveway/walkway, and front entry step has crumbling edge. Bathroom ceiling has an open hole (removed fixture/cover). These are mostly repair/cosmetic items that can be addressed quickly but require attention before tenancy."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 50.0,
            "rationale": "Mixed safety signals: a functioning smoke alarm is visible in the main living area, an electrical panel is present and appears covered. However there is an open ceiling hole in the bathroom (possible exposed wiring), front steps lack a handrail and show deterioration (trip/fall risk), concrete walk has uneven/cracked surfaces (trip hazard), and there is no visible smoke/CO detector in bedrooms (additional alarms likely required). Bedroom egress windows appear small/high-set in at least one room — may fail egress requirements depending on measurements. GFCI presence in kitchen/bath is not visible. These represent inspection risks that must be corrected prior to initial HCV approval."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (HVAC, plumbing, electrical, roof)",
            "score": 70.0,
            "rationale": "Ceiling supply/return vents are present indicating central HVAC; roof shingles appear in good condition (recent-looking) with no visible sagging or active leaks. Electrical panel is visible and intact in a bedroom wall. Kitchen shows a working electric range (stove) installed. Water heater and furnace/air handler are not visible in photos so functional status is assumed but unconfirmed. No obvious signs of major system failure, but verification of HVAC operation, hot water, and water heater condition will be required."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, site safety and access",
            "score": 70.0,
            "rationale": "Exterior siding, brick foundation, and roof visually intact; carport provides covered entry. Observable site issues: cracked/leaf-clogged driveway and walkway, uneven concrete and decayed step(s) at the front entry without a handrail. Yard appears maintained but overleaf debris present. No visible standing water, major foundation cracks, or active roof failures were observed in the photos."
          }
        ],
        "red_flags": [
          "Open ceiling hole in bathroom (possible exposed wiring / missing fixture cover)",
          "Crumbled front step and lack of handrail (unsafe entry/stairs)",
          "Uneven/cracked front walkway and driveway creating trip hazards",
          "No visible smoke detectors inside bedrooms (likely required)",
          "Potential inadequate bedroom egress windows (small/high-set windows visible)"
        ],
        "confidence": 0.65,
        "assumptions": [
          "Central HVAC is present and operational (visible supply/return vents), but full functionality has not been verified.",
          "Water heater and furnace/air handler are present somewhere on the property but were not photographed; hot water availability is assumed but unconfirmed.",
          "Only a single smoke detector is visible in the living area; bedrooms likely lack dedicated smoke alarms and will need detectors installed.",
          "The stove in photos is electric; no gas appliances were observed (so carbon monoxide detector requirements may not apply).",
          "No active roof leak is visible despite some minor ceiling staining; stains are assumed old and not currently leaking.",
          "Windows in bedrooms might not meet egress dimensions — egress compliance is unknown and would require measurement.",
          "Because the house was built in 1962, lead-based paint is a potential risk even though no peeling paint is visible; lead risk procedures/disclosure apply."
        ],
        "overall_score": 63.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "1326 Cadillac Dr, Jackson, MS, 39213",
    "aggregate": {
      "summary": "This 3BR/1BA single-family property is mostly cosmetically updated and is close to Section 8 / HCV readiness. The home shows new-looking floors, painted walls, operable kitchen and bath fixtures, a closed electrical panel, and a seemingly recently replaced roof. Primary inspection risks are a ceiling opening in the bathroom (possible exposed wiring), likely lack of GFCI-protected outlets in kitchen/bath, potentially non-compliant bedroom egress windows, and no handrail at the front steps. Addressing the electrical/fixture opening, installing required GFCI/CO detectors, verifying egress, and adding a handrail will likely move this to rent-ready for voucher applicants within 1–2 weeks for minor repairs or up to 30 days if electrician/plumbing work is needed.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 71.7,
          "rationale": "Interior appears recently refreshed: new-looking LVT in main living areas, new carpet in bedrooms, painted walls, intact tile in kitchen. Kitchen has an operable range but no refrigerator shown (moderate negative). Cosmetic wear at cabinet bases, vanity, and some trim/thresholds. Bathroom ceiling has an unfinished opening (repair needed). Exterior shows cracked driveway and debris but no severe deferred maintenance. Overall only minor-to-moderate repair items and cosmetic work needed before tenancy."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 71.7,
          "rationale": "Exterior envelope (siding and brick) appears intact and painted; no obvious foundation settlement or siding failure seen. Driveway has cracking and leaf/debris accumulation; yard is modest and shows normal wear. Front concrete steps lack a handrail (safety/citation risk if riser count/height exceeds local code). Carport and roofline look serviceable. No visible standing water or major drainage failures in provided photos."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Risk (NSPIRE)",
          "score": 51.7,
          "rationale": "Smoke detector visible in main living area (positive). Front entry shows a lock and deadbolt. However there are several safety risks: a ceiling opening in the bathroom (possible exposed wiring and unfinished fixture), no visible GFCI protection at bathroom/kitchen outlets in photos, no visible CO alarm, and bedroom windows appear small/high and may not meet emergency egress dimensions. Exterior front steps have no handrail. These items create a moderate risk of initial fail on an HQS/NSPIRE inspection until corrected."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems & Mechanical",
          "score": 66.7,
          "rationale": "Roof appears recently re-shingled with no visible sag or active leaks, which lowers major roof risk. Central HVAC duct registers and return vents are visible (suggests central heating/cooling present), and an electrical panel is visible and closed in a bedroom. Plumbing fixtures (sink, tub, toilet) are present and show no active leaks in photos. Water heater and furnace are not pictured (assumed present but unverified). The ceiling opening could indicate electrical fixture/vent work required. Overall systems look functional but not fully verified."
        }
      ],
      "red_flags": [
        "Electrical hazards — unfinished ceiling opening in bathroom (possible exposed wiring).",
        "Potential inadequate bedroom egress — small/high windows may not meet emergency escape requirements.",
        "Unsafe exterior stairs — front steps lack a handrail (possible code/safety fail depending on riser count)."
      ],
      "confidence": 0.92,
      "assumptions": [
        "Appliances: Electric range/stove is present and appears functional; no refrigerator shown and assumed not provided.",
        "Heating & hot water: Central HVAC registers are visible; HVAC system and water heater are assumed present and functional but not photographed or verified.",
        "Smoke detector pictured is functional; no CO detector is visible and is assumed not present.",
        "Bathroom ceiling opening is assumed to be an unfinished electrical/vent fixture penetration and may present exposed wiring until repaired.",
        "Bedroom windows pictured may not meet NSPIRE/HQS egress dimensions based on size/placement; exact dimensions unknown.",
        "No active roof leak observed in photos; small ceiling stains likely from a past event that was repaired or localized.",
        "Electrical panel observed is assumed to be serviceable (closed cover) but internal condition and amperage not verified."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 65.5,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8826772838"
  }
}

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