Property ID: 8830889945

5141 Inwood Dr, Jackson, MS, 39206

Jackson, MS

For Sale Feb 16, 2026 10:56 PM UTC Realtor Zillow Street View
Money Down: $29,280 CoC Return: 4.23% Monthly Cash Flow: $103
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,400
Closing Costs
$4,880
Total Down
$29,280
Primary property image

Investment Snapshot

Purchase Price
$122,000
Money Down
$29,280
Cash-on-Cash Return
4.23%
Rent
$1,151
Monthly Cash Flow
$103
Annual Cash Flow
$1,239
Debt Service / Mo
$649
Property Tax / Mo
$215
Insurance / Mo
$68

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,151
Payment Standard
$1,530
Rent
$1,151
Insurance
$68
Property Tax
$215
Management
$115
Utilities Allowance
$379
NOI (Monthly)
$753
Debt Service
$649
Cash Flow After Debt
$103

Quality Score: 72.70%

Confidence: 94.00%

This tenant-occupied 3BR/2BA single-family house appears to be in generally good, rentable condition with primarily minor repairs needed. Exterior and interior photos show cosmetic updates and functioning appliances; roof and envelope show no visible severe damage. The major inspection risk areas that cannot be verified from photos are presence/placement of required smoke and carbon monoxide alarms, condition of the electrical panel and water heater, and proof of GFCI protection in the kitchen/bath. Driveway/walkway cracking is a visible trip hazard that should be repaired prior to inspection. Given observable condition and the recent rental history, the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection after addressing small safety items (install/verify smoke & CO alarms, correct GFCI outlets if missing) and fixing the walkway trip hazard. Estimated time-to-rent readiness: minor repairs within 1-4 weeks.

Section 8 Payment Standard
$1,530
Utility Allowance Total
$379
Guaranteed Section 8 Rent (PS - Utilities)
$1,151
Property Management
$115

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$122,000
Beds
3
Baths
2
Living Area
1,566 sqft
Lot Size
13,504 sqft
Year Built
1973
Days on Market
63
Capital Outlay
$29,280
Debt Service
$649
Property Tax / Mo
$215
Insurance / Mo
$68

Property Description

Spacious 3-bedroom, 2-bathroom brick home with 1,730 sq. ft. of living space. Features include a formal dining room, large living room, kitchen, 2-car garage & big backyard. Tenant-occupied, great investment opportunity! Call your favorite Realtor today.

Utility Allowances

Air Conditioning
$12
Selected based on the 3-bedroom allowance for a property with Central Air cooling.
Heating (Electric)
$50
Selected 'Electric' as the property data confirms 'Electricity Available' but does not specify a fuel for the 'Central' heating system. Electric is chosen for consistency.
Cooking (Electric)
$11
Selected 'Electric' as the property data confirms 'Electricity Available' but does not specify a fuel for the provided range. This allowance covers the energy cost.
Water Heating (Electric)
$29
Selected 'Electric' as the property data confirms 'Electricity Available' but does not specify a fuel for water heating.
Other Electric
$69
Standard allowance for general electricity usage not covered by other specific appliances, based on a 3-bedroom unit.
Water
$104
Selected based on the 3-bedroom allowance, as the property has a 'Public' water source.
Sewer
$60
Selected based on the 3-bedroom allowance, as the property has 'Public Sewer'.
Trash Collection
$37
Standard fixed allowance for a single-family home, assumed to be a tenant expense.
Refrigerator
$4
Applies as a refrigerator is not mentioned as a landlord-provided appliance and is assumed to be tenant-owned.
Range/Microwave
$3
Applies as a microwave is not mentioned as landlord-provided and is assumed to be tenant-owned.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$798
DP3 Annual Estimate$835
DP1 Monthly Equivalent$66
DP3 Monthly Equivalent$70
Replacement Value$66,520
Basis1,566 sqft / 1973

Nearby Houses

Nearby house 1
Photo unavailable

5111 Inwood Dr

sold · 0.06 mi
Price: $79,000
4 bd / 2 ba · 1,574 sqft
Latest sale: — on Aug 22, 2024
Latest rent: $1,295 on Feb 15, 2023
Nearby house 2
Photo unavailable

5125 Cumberland Pl

sold · 0.06 mi
Price: $150,000
3 bd / 2 ba · 1,694 sqft
Latest sale: — on Aug 08, 2022
Latest rent: —
Nearby house 3
Photo unavailable

332 Post Oak Rd

sold · 0.08 mi
Price: $45,000
3 bd / 2 ba · 1,873 sqft
Latest sale: — on Aug 05, 2022
Latest rent: —
Nearby house 4
Photo unavailable

314 Post Oak Rd

sold · 0.10 mi
Price: $180,000
3 bd / 2 ba · 1,746 sqft
Latest sale: — on Jul 23, 2024
Latest rent: —
Nearby house 5
Photo unavailable

325 Post Oak Rd

sold · 0.11 mi
Price: $80,000
3 bd / 2 ba · 2,377 sqft
Latest sale: — on Dec 04, 2023
Latest rent: —
Nearby house 6
Photo unavailable

313 Post Oak Rd

sold · 0.13 mi
Price: $191,900
4 bd / 3 ba · 2,135 sqft
Latest sale: — on Jan 19, 2024
Latest rent: $1,200 on Aug 04, 2017
Nearby house 7
Photo unavailable

262 Valley North Blvd

off_market · 0.14 mi
Price: $1,400
3 bd / 2 ba · 1,883 sqft
Latest sale: —
Latest rent: $1,175 on Apr 09, 2021

Risk and Criteria Detail

Red Flags

  • success
  • No visible smoke detectors or carbon monoxide alarms in interior photos — potential automatic fail for NSPIRE if not present/installed properly.
  • Front walkway and driveway cracking/spalling create a trip hazard that should be repaired before inspection.
  • Property built in 1973 — potential lead-based paint risk (requires disclosure and possible remediation/testing).

Assumptions

  • Tenant-occupied status limited interior access; assessment is based on visible areas only.
  • Central HVAC is present and operational (inferred from ceiling/vent registers visible in photos).
  • No active roof leaks or major structural issues exist since no sagging, stains, or collapsed ceilings are visible in interior or exterior photos.
  • Windows in bedrooms provide required egress (typical for this floor plan), though not individually verified.
  • Electrical panel, water heater, and furnace/AC condition are unknown because not photographed; assumed serviceable but age-related risk applied.
  • No visible mold, active pest infestation, or peeling lead-based paint was observed in photos; however property was built in 1973 so lead-based paint risk exists and requires disclosure/testing.
  • Smoke and carbon monoxide alarms are not visible in the photos; assume they are missing or not visible and will need verification/installation.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $2,508 $86,520 $12,978
2023 $2,496 $86,520 $12,978
2021 $1,364 $86,520 $8,652
2020 $1,339 $85,680 $8,568
2019 $1,340 $85,680 $8,568
2018 $1,322 $85,680 $8,568
2017 $1,322 $85,680 $8,568
2016 $1,280 $85,680 $8,568
2015 $1,289 $88,800 $8,880
2014 $1,287 $88,800 $8,880
2013 $1,243 $88,800 $8,880
2012 $1,243 $88,800 $8,880
2011 $1,243 $90,060 $9,006
2010 $1,234 $90,060 $9,006
2009 $1,234 $90,060 $9,006
2008 $1,234 $70,490 $7,049
2007 $931 $70,490 $7,049

Sale History

DateEventPrice
2023-07-10 Sold

Rental History

DateEventPriceSource
2022-12-28 Listed for rent $1,350

Photo Gallery

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              "last_status_change_date": "2026-01-03T17:03:39Z"
            },
            "event_name": "Listed",
            "price_sqft": 77.90549169859514,
            "source_name": "MLSUnited",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "4133895",
            "price_change_percentage": null
          },
          {
            "date": "2025-12-15",
            "price": 0,
            "listing": {
              "status": "off_market",
              "list_date": "2025-08-29T00:24:58Z",
              "list_price": 122000,
              "listing_id": "2985841212",
              "last_update_date": "2025-12-09T15:33:42Z",
              "last_status_change_date": "2025-12-15T06:22:57Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "MLSUnited",
            "price_change": 0,
            "days_after_listed": "0 days",
            "source_listing_id": "4124019",
            "price_change_percentage": null
          },
          {
            "date": "2025-08-29",
            "price": 122000,
            "listing": {
              "status": "off_market",
              "list_date": "2025-08-29T00:24:58Z",
              "list_price": 122000,
              "listing_id": "2985841212",
              "last_update_date": "2025-12-09T15:33:42Z",
              "last_status_change_date": "2025-12-15T06:22:57Z"
            },
            "event_name": "Listed",
            "price_sqft": 77.90549169859514,
            "source_name": "MLSUnited",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "4124019",
            "price_change_percentage": null
          },
          {
            "date": "2023-07-10",
            "price": 0,
            "listing": {
              "status": "sold",
              "list_date": "2025-12-09T15:34:31Z",
              "list_price": 94000,
              "listing_id": "2954023348",
              "last_update_date": "2026-01-18T06:35:16Z",
              "last_status_change_date": "2025-12-09T15:34:31Z"
            },
            "event_name": "Sold",
            "price_sqft": 0,
            "source_name": "MLSUnited",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "4043540",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": true
  },
  "property_id": "8830889945",
  "generated_at": "2026-02-16T22:56:22.956570Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 72.7
  },
  "utility_allowance": {
    "zip_code": "39206",
    "home_photo": "https://ap.rdcpix.com/4837cc3e8fc12d01dc08d0aa12e55d37l-m33293592s-w1280.jpg",
    "rent_price": 1151.0,
    "loan_amount": 97600.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/5141-Inwood-Dr_Jackson_MS_39206_M88308-89945",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 122000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 9031.06,
    "mortgage_monthly": 649.34,
    "payment_standard": 1530.0,
    "total_amount_out": 24400.0,
    "additional_photos": [
      "https://ap.rdcpix.com/4837cc3e8fc12d01dc08d0aa12e55d37l-m847410662s-w1280.jpg",
      "https://ap.rdcpix.com/4837cc3e8fc12d01dc08d0aa12e55d37l-m1272401907s-w1280.jpg",
      "https://ap.rdcpix.com/4837cc3e8fc12d01dc08d0aa12e55d37l-m1829661542s-w1280.jpg",
      "https://ap.rdcpix.com/4837cc3e8fc12d01dc08d0aa12e55d37l-m2166979063s-w1280.jpg",
      "https://ap.rdcpix.com/4837cc3e8fc12d01dc08d0aa12e55d37l-m923361457s-w1280.jpg",
      "https://ap.rdcpix.com/4837cc3e8fc12d01dc08d0aa12e55d37l-m3499762172s-w1280.jpg",
      "https://ap.rdcpix.com/4837cc3e8fc12d01dc08d0aa12e55d37l-m2801042450s-w1280.jpg",
      "https://ap.rdcpix.com/4837cc3e8fc12d01dc08d0aa12e55d37l-m906457545s-w1280.jpg",
      "https://ap.rdcpix.com/4837cc3e8fc12d01dc08d0aa12e55d37l-m188945325s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 68.04,
    "monthly_cash_flow": 752.59,
    "property_tax_rate": 0.0095,
    "_utility_allowance": {
      "sources": [
        "https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
        "https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
      ],
      "effective_date": "2025-12-01"
    },
    "utility_allowances": [
      {
        "note": "Selected based on the 3-bedroom allowance for a property with Central Air cooling.",
        "utility": "Air Conditioning",
        "allowance": 12
      },
      {
        "note": "Selected 'Electric' as the property data confirms 'Electricity Available' but does not specify a fuel for the 'Central' heating system. Electric is chosen for consistency.",
        "utility": "Heating (Electric)",
        "allowance": 50
      },
      {
        "note": "Selected 'Electric' as the property data confirms 'Electricity Available' but does not specify a fuel for the provided range. This allowance covers the energy cost.",
        "utility": "Cooking (Electric)",
        "allowance": 11
      },
      {
        "note": "Selected 'Electric' as the property data confirms 'Electricity Available' but does not specify a fuel for water heating.",
        "utility": "Water Heating (Electric)",
        "allowance": 29
      },
      {
        "note": "Standard allowance for general electricity usage not covered by other specific appliances, based on a 3-bedroom unit.",
        "utility": "Other Electric",
        "allowance": 69
      },
      {
        "note": "Selected based on the 3-bedroom allowance, as the property has a 'Public' water source.",
        "utility": "Water",
        "allowance": 104
      },
      {
        "note": "Selected based on the 3-bedroom allowance, as the property has 'Public Sewer'.",
        "utility": "Sewer",
        "allowance": 60
      },
      {
        "note": "Standard fixed allowance for a single-family home, assumed to be a tenant expense.",
        "utility": "Trash Collection",
        "allowance": 37
      },
      {
        "note": "Applies as a refrigerator is not mentioned as a landlord-provided appliance and is assumed to be tenant-owned.",
        "utility": "Refrigerator",
        "allowance": 4
      },
      {
        "note": "Applies as a microwave is not mentioned as landlord-provided and is assumed to be tenant-owned.",
        "utility": "Range/Microwave",
        "allowance": 3
      }
    ],
    "cash_on_cash_return": 0.37,
    "down_payment_amount": 24400.0,
    "property_tax_annual": 2583.24,
    "property_tax_monthly": 215.27,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 379.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://www.huduser.gov/portal/datasets/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": 1239.04,
    "property_management_monthly": 115.1,
    "monthly_cash_flow_after_debt": 103.25,
    "cash_on_cash_return_after_debt": 0.05
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This tenant-occupied 3BR/2BA single-family house appears to be in generally good, rentable condition with primarily minor repairs needed. Exterior and interior photos show cosmetic updates and functioning appliances; roof and envelope show no visible severe damage. The major inspection risk areas that cannot be verified from photos are presence/placement of required smoke and carbon monoxide alarms, condition of the electrical panel and water heater, and proof of GFCI protection in the kitchen/bath. Driveway/walkway cracking is a visible trip hazard that should be repaired prior to inspection. Given observable condition and the recent rental history, the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection after addressing small safety items (install/verify smoke & CO alarms, correct GFCI outlets if missing) and fixing the walkway trip hazard. Estimated time-to-rent readiness: minor repairs within 1-4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 80.0,
            "rationale": "Photos show a recently painted exterior (brick and siding), intact windows, and generally clean interior finishes (painted walls, laminate/wood-look flooring). Kitchen has installed stove and visible refrigerator. No major cosmetic deterioration or collapsed elements observed. Observable minor issues: driveway and front walkway cracking and edge spalling, some soil bare areas at foundation perimeter, and normal tenant clutter. Missing small capital items (no visible light fixture covers or outlet covers missing) are not evident. Overall appears sound with only minor repairs and cleaning needed."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risks (NSPIRE)",
            "score": 70.0,
            "rationale": "No exposed wiring, no visible ceiling collapse, no visible active leaks, and interior walking surfaces appear level. Central HVAC supply vents visible indicating heating/AC presence. However, no smoke detectors or CO alarms are visible in the interior photos (required by NSPIRE/HUD) and no GFCI outlets are visible in kitchen photos. Front walkway and driveway show cracking and uneven edges that could be trip hazards. Entry door appears solid but a deadbolt is not visible in photos. Bedroom egress windows are likely present given typical layout and visible windows, but not verified. These unknowns and the visible trip hazard reduce the safety score."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (roof/HVAC/plumbing/electrical)",
            "score": 65.0,
            "rationale": "Roof shingles appear intact in exterior photos with no obvious sagging or active leaks visible from photos. A central HVAC vent is visible in living area, indicating a forced-air system is present; no evidence of no heating. Stove and refrigerator are present and appear functional. However, critical mechanical components (electrical panel, water heater, furnace/AC equipment, main plumbing seams/drains) are not shown. Given the 1973 build date there is increased likelihood of aged systems; interior renovations suggest some updates but unknown service history reduces score to reflect inspection risk."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Large, maintained front yard and intact painted brick/siding. Garage door appears functional. Fencing visible along side/back yard appears standing though condition is not fully shown. Driveway and walk have cracks and spalling that present a trip hazard and will likely require repair. Yard grading appears reasonably sloped away from front; downspouts/gutter condition not visible. No visible standing water, heavy vegetation against siding, or structural foundation cracking observed from the photos."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental History (last 5y) - bonus",
            "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 alarms in interior photos — potential automatic fail for NSPIRE if not present/installed properly.",
          "Front walkway and driveway cracking/spalling create a trip hazard that should be repaired before inspection.",
          "Property built in 1973 — potential lead-based paint risk (requires disclosure and possible remediation/testing)."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Tenant-occupied status limited interior access; assessment is based on visible areas only.",
          "Central HVAC is present and operational (inferred from ceiling/vent registers visible in photos).",
          "No active roof leaks or major structural issues exist since no sagging, stains, or collapsed ceilings are visible in interior or exterior photos.",
          "Windows in bedrooms provide required egress (typical for this floor plan), though not individually verified.",
          "Electrical panel, water heater, and furnace/AC condition are unknown because not photographed; assumed serviceable but age-related risk applied.",
          "No visible mold, active pest infestation, or peeling lead-based paint was observed in photos; however property was built in 1973 so lead-based paint risk exists and requires disclosure/testing.",
          "Smoke and carbon monoxide alarms are not visible in the photos; assume they are missing or not visible and will need verification/installation."
        ],
        "overall_score": 77.0,
        "rubric_version": "2026-02-16-v1"
      },
      {
        "summary": "Likely to pass an initial HCV/NSPIRE inspection with minor fixes and verification. The house appears cosmetically updated and structurally sound from photos, with functioning appliances and central HVAC suggested by vents. Primary inspection risks are items not visible in photos (smoke/CO alarms, GFCI outlets, electrical panel condition, hot water heater condition) and minor trip/driveway repairs. With a short pre-inspection walk-through to confirm detectors, GFCI and system operation, this property could be rent-ready within 1-3 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior and exterior photos show a generally well-maintained home with recent cosmetic updates (painted brick, updated cabinet paint and countertops, laminate flooring). No visible major drywall damage or collapsed ceilings. Minor repair items visible or likely: a few laminate planks show gaps/lifting in photos (may need refastening or transition repairs), driveway and front walkway have surface cracks/edge lip that could be a trip hazard, and some interior trim/threshold touching-up likely. Kitchen appliances include a working-looking electric range; refrigerator not clearly shown in listing photos. Overall condition appears minor-repair level and not deferred-maintenance heavy."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk (NSPIRE)",
            "score": 65.0,
            "rationale": "No life‑threatening hazards visible (no collapsed ceilings, open electrical splices, major water intrusion or visible mold). Central HVAC supply/registers are visible suggesting heating/cooling present. However, required NSPIRE items are not verifiable in photos: smoke detectors and CO alarms are not shown, GFCI protection in kitchen/baths not visible, electrical panel and breakers not pictured, and bedroom egress compliance cannot be fully confirmed though windows appear full-size. Exterior entry door has a visible deadbolt? (not clearly shown). The front walkway has a small lip that could present a trip hazard. Because these verification items are unknown from photos, safety score is moderate — likely passable but will require verification and possible installation of detectors or GFCIs to meet NSPIRE."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
            "score": 70.0,
            "rationale": "Roof shingles look intact in multiple exterior photos with no obvious sagging or active leaks visible from exterior shots. Central HVAC registers visible in ceilings indicate a central system is present; functionality not shown but tenant-occupied suggests it is likely operating. No water stains on interior ceilings visible to indicate active roof or plumbing leaks. Water heater, electrical panel and plumbing risers are not shown so their condition is unknown. Given exterior and interior condition and apparent occupancy, major systems likely operational but require on-site verification (water heater age, breaker labeling, GFCI, HVAC service)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Photos show a painted brick single-story home with siding accents, a two-car garage, intact fence visible at side/back, and a large backyard. Yard is maintained but has leaf/debris; no standing water observed. Driveway and front concrete walkway show cracking and surface wear; slope near foundation appears acceptable with no obvious large foundation settlement or major cracking visible from photos. No visible pest infestation or severe exterior neglect. Overall exterior/site in good-to-fair condition with cosmetic site repairs recommended."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental Activity (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [],
        "confidence": 0.6,
        "assumptions": [
          "Property is tenant-occupied and systems (HVAC, stove, water heater) are present and likely operational but not directly verified in photos.",
          "Smoke detectors and carbon monoxide alarms are not visible in supplied photos — assume they may be missing or not in required locations until verified.",
          "Electrical panel, breaker labeling, and GFCI protection (kitchen/bath) are not shown and therefore treated as unknown risk points.",
          "Bedrooms have at least one full-size window each providing egress (windows visible appear large enough, but not verified for egress dimensions).",
          "No visible signs of active roof leaks, major foundation movement, or severe mold in the provided images; absence of evidence in photos is not proof of absence.",
          "Driveway and front walkway cracking are cosmetic/surface-level; no deep structural failure inferred from photos."
        ],
        "overall_score": 76.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall the property appears in good, tenant-occupied condition with mostly cosmetic and moderate repair items. Major building systems and structure show no visible severe deficiencies in the provided photos. Primary risks for a Section 8/NSPIRE initial inspection are missing/undocumented smoke and CO detectors, unverified GFCI in kitchen, and some localized flooring and walkway trip hazards. With a short punch-list (install/verify detectors, address floor gaps, repair walkway/drives cracks, confirm GFCI and water heater/HVAC function), the home is likely rent-ready within 2–4 weeks and should pass an initial inspection.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 78.0,
            "rationale": "Interior and exterior photos show a mostly clean, recently painted interior and cosmetic updates (paint, new laminate flooring). Minor deferred maintenance visible: localized flooring gaps/lifting, driveway and walkway cracks, some landscaping cleanup needed. Kitchen and range present; no major missing appliance penalties. Overall mostly cosmetic and easy-to-fix items."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risks (NSPIRE)",
            "score": 70.0,
            "rationale": "No obvious life‑threatening hazards visible (no exposed wiring, no collapsed ceilings, no standing water). Bedrooms show windows that appear standard for egress. However smoke and CO detectors are not visible in photos (common failure point) and GFCI presence at kitchen sink is not confirmed. Entry door appears secure but deadbolt not visible. Minor trip hazards at walkway edges and some floor lifting could be cited if severe. These unknowns reduce the score moderately."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (roof, HVAC, electrical, plumbing)",
            "score": 72.0,
            "rationale": "Ceiling vents indicate central HVAC likely present; interior shows functioning ceiling fan and lighting. Roof appears intact with no visible sagging or active leaks in photos though shingles look aged. Electrical panel, water heater and HVAC condition not shown; no visible signs of failure. Given tenant-occupied condition and normal appearance, major systems are likely functional but unverified, so score is slightly conservative."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Brick veneer and siding look in good condition; fascia/soffits appear intact. Yard is large and mostly maintained. Driveway and front walk have cracks and uneven edges (trip hazards) and a modest slope toward the side yard — drainage appears acceptable from photos but not fully verifiable. Backyard fence seen in distance looks aged. No visible infestation or major foundation displacement observed."
          },
          {
            "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": [
          "No visible smoke or carbon monoxide detectors in provided photos — likely inspection-fail if not present/working.",
          "Localized interior flooring lifting/gaps (trip hazard) visible in photos could lead to a failed item if severe.",
          "Driveway and front-walk cracking/uneven edge present (trip hazard) — may be cited by inspector if not repaired or mitigated."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Tenant-occupied means utilities are active and major systems (HVAC, water heater, electrical) are functioning unless otherwise stated.",
          "Smoke and CO detectors are not visible in photos; assume they may be missing or not in required locations until verified.",
          "No interior photos of bathrooms or mechanical closets were provided; plumbing, hot water, and water heater condition are assumed functional but unconfirmed.",
          "Electrical panel and GFCI protection are not shown; assume standard mid‑century upgrades may be present but require verification.",
          "Roof has no visible active leaks in photos; assumed to be aged but remaining serviceable without immediate major repair."
        ],
        "overall_score": 74.0,
        "rubric_version": "nsPIRE-2024-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "5141 Inwood Dr, Jackson, MS, 39206",
    "aggregate": {
      "summary": "This tenant-occupied 3BR/2BA single-family house appears to be in generally good, rentable condition with primarily minor repairs needed. Exterior and interior photos show cosmetic updates and functioning appliances; roof and envelope show no visible severe damage. The major inspection risk areas that cannot be verified from photos are presence/placement of required smoke and carbon monoxide alarms, condition of the electrical panel and water heater, and proof of GFCI protection in the kitchen/bath. Driveway/walkway cracking is a visible trip hazard that should be repaired prior to inspection. Given observable condition and the recent rental history, the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection after addressing small safety items (install/verify smoke & CO alarms, correct GFCI outlets if missing) and fixing the walkway trip hazard. Estimated time-to-rent readiness: minor repairs within 1-4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 77.7,
          "rationale": "Photos show a recently painted exterior (brick and siding), intact windows, and generally clean interior finishes (painted walls, laminate/wood-look flooring). Kitchen has installed stove and visible refrigerator. No major cosmetic deterioration or collapsed elements observed. Observable minor issues: driveway and front walkway cracking and edge spalling, some soil bare areas at foundation perimeter, and normal tenant clutter. Missing small capital items (no visible light fixture covers or outlet covers missing) are not evident. Overall appears sound with only minor repairs and cleaning needed."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 75.0,
          "rationale": "Large, maintained front yard and intact painted brick/siding. Garage door appears functional. Fencing visible along side/back yard appears standing though condition is not fully shown. Driveway and walk have cracks and spalling that present a trip hazard and will likely require repair. Yard grading appears reasonably sloped away from front; downspouts/gutter condition not visible. No visible standing water, heavy vegetation against siding, or structural foundation cracking observed from the photos."
        },
        {
          "key": "rental_history_activity",
          "label": "Recent Rental History (last 5y) - bonus",
          "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 Risks (NSPIRE)",
          "score": 68.3,
          "rationale": "No exposed wiring, no visible ceiling collapse, no visible active leaks, and interior walking surfaces appear level. Central HVAC supply vents visible indicating heating/AC presence. However, no smoke detectors or CO alarms are visible in the interior photos (required by NSPIRE/HUD) and no GFCI outlets are visible in kitchen photos. Front walkway and driveway show cracking and uneven edges that could be trip hazards. Entry door appears solid but a deadbolt is not visible in photos. Bedroom egress windows are likely present given typical layout and visible windows, but not verified. These unknowns and the visible trip hazard reduce the safety score."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (roof/HVAC/plumbing/electrical)",
          "score": 69.0,
          "rationale": "Roof shingles appear intact in exterior photos with no obvious sagging or active leaks visible from photos. A central HVAC vent is visible in living area, indicating a forced-air system is present; no evidence of no heating. Stove and refrigerator are present and appear functional. However, critical mechanical components (electrical panel, water heater, furnace/AC equipment, main plumbing seams/drains) are not shown. Given the 1973 build date there is increased likelihood of aged systems; interior renovations suggest some updates but unknown service history reduces score to reflect inspection risk."
        }
      ],
      "red_flags": [
        "No visible smoke detectors or carbon monoxide alarms in interior photos — potential automatic fail for NSPIRE if not present/installed properly.",
        "Front walkway and driveway cracking/spalling create a trip hazard that should be repaired before inspection.",
        "Property built in 1973 — potential lead-based paint risk (requires disclosure and possible remediation/testing)."
      ],
      "confidence": 0.94,
      "assumptions": [
        "Tenant-occupied status limited interior access; assessment is based on visible areas only.",
        "Central HVAC is present and operational (inferred from ceiling/vent registers visible in photos).",
        "No active roof leaks or major structural issues exist since no sagging, stains, or collapsed ceilings are visible in interior or exterior photos.",
        "Windows in bedrooms provide required egress (typical for this floor plan), though not individually verified.",
        "Electrical panel, water heater, and furnace/AC condition are unknown because not photographed; assumed serviceable but age-related risk applied.",
        "No visible mold, active pest infestation, or peeling lead-based paint was observed in photos; however property was built in 1973 so lead-based paint risk exists and requires disclosure/testing.",
        "Smoke and carbon monoxide alarms are not visible in the photos; assume they are missing or not visible and will need verification/installation."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 72.7,
      "rubric_version": "2026-02-16-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8830889945"
  }
}

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