Property ID: 8868320695
126 Pine Cv, Jackson, MS, 39212
Jackson, MS
Money Down: $23,760
CoC Return: 21.06%
Monthly Cash Flow: $417
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,800
Closing Costs
$3,960
Total Down
$23,760
Investment Snapshot
Purchase Price
$99,000
Money Down
$23,760
Cash-on-Cash Return
21.06%
Rent
$1,270
Monthly Cash Flow
$417
Annual Cash Flow
$5,005
Debt Service / Mo
$527
Property Tax / Mo
$148
Insurance / Mo
$51
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,270
Payment Standard
$1,620
Rent
$1,270
Insurance
$51
Property Tax
$148
Management
$127
Utilities Allowance
$350
NOI (Monthly)
$944
Debt Service
$527
Cash Flow After Debt
$417
Quality Score: 72.80%
Confidence: 95.00%
This single‑family brick/sided home presents as a mostly move-in ready unit with functional kitchen appliances, intact windows and doors, working laundry hookups, and a visible exterior HVAC condenser. Photos show minor cosmetic defects (countertop chip, driveway and carport slab cracks) and an aged roof with cosmetic staining but no visible active leaks or structural sagging. Key NSPIRE verification items not shown in photos (electrical panel, full smoke/CO detector coverage, GFCI at kitchen, water heater and furnace condition) create moderate inspection risk. With basic verification and a handful of minor corrections (install/confirm smoke/CO detectors in required locations, add/confirm GFCI protection, address countertop and driveway/carport repairs), the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection within 1–4 weeks.
Section 8 Payment Standard
$1,620
Utility Allowance Total
$350
Guaranteed Section 8 Rent (PS - Utilities)
$1,270
Property Management
$127
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$99,000
Beds
3
Baths
1
Living Area
1,421 sqft
Lot Size
16,988 sqft
Year Built
1981
Days on Market
5
Capital Outlay
$23,760
Debt Service
$527
Property Tax / Mo
$148
Insurance / Mo
$51
Property Description
This cozy 3-bedroom, 2-bath home is perfect for first-time buyers, small families, or those looking to downsize. The home features a functional layout with a comfortable living area, an efficient kitchen, and ample natural light throughout. Enjoy a private backyard, ideal for relaxing or entertaining.
Utility Allowances
Air Conditioning
$12
Selected for a 3-bedroom unit based on the property's 'Central Air' cooling system.
Cooking
$11
Selected the 'Electric' option based on the 'Electric Range' listed in the property's appliances.
Heating
$21
Selected 'Natural Gas' as 'Natural Gas Available' is listed and it is a common fuel for 'Central' heating.
Other Electric
$69
Standard miscellaneous electric allowance for a 3-bedroom single-family home.
Range/Microwave
$3
The property listing does not explicitly state that a microwave is provided, so it is assumed to be a tenant-owned appliance.
Refrigerator
$4
The property listing does not explicitly state that a refrigerator is provided, so it is assumed to be a tenant-owned appliance.
Sewer
$60
Included for a 3-bedroom unit as the property is connected to 'Public Sewer'.
Trash Collection
$37
Standard allowance for trash collection in a single-family home.
Water
$104
Included for a 3-bedroom unit as the property's water source is 'Public'.
Water Heating
$29
Fuel type not specified. 'Electric' was chosen as the more expensive option between available 'Natural Gas' and 'Electric' hookups.
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$594
DP3 Annual Estimate$621
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$52
Replacement Value$47,640
Basis1,421 sqft / 1981
Nearby Houses
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168 Chestnut Cv
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Price: $85,000
3 bd / 2 ba · 1,344 sqft
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4969 Oak Leaf Dr
sold · 0.15 mi
Price: $79,000
4 bd / 2 ba · 1,498 sqft
Latest sale: — on Mar 19, 2024
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138 Chestnut Cv
sold · 0.16 mi
Price: $161,900
3 bd / 2 ba · 1,972 sqft
Latest sale: — on Dec 20, 2024
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4953 Oak Leaf Dr
sold · 0.21 mi
Price: $116,000
3 bd / 2 ba · 1,244 sqft
Latest sale: — on Mar 12, 2025
Latest rent: $1,250 on Feb 26, 2024
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4957 Cottonwood Ln
sold · 0.22 mi
Price: $174,900
3 bd / 2 ba · 1,636 sqft
Latest sale: — on Apr 05, 2024
Latest rent: —
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4950 Oak Leaf Dr
sold · 0.22 mi
Price: $159,000
3 bd / 2 ba · 1,900 sqft
Latest sale: — on Dec 16, 2023
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Photo unavailable
5018 Oak Creek Dr
sold · 0.25 mi
Price: $134,000
3 bd / 2 ba · 1,500 sqft
Latest sale: — on Nov 17, 2025
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Photo unavailable
5002 Oak Creek Dr
sold · 0.25 mi
Price: $69,000
3 bd / 2 ba · 1,620 sqft
Latest sale: — on Mar 11, 2024
Latest rent: $1,300 on Apr 30, 2024
Photo unavailable
4957 Oak Creek Dr
sold · 0.26 mi
Price: $140,000
3 bd / 2 ba · 1,401 sqft
Latest sale: — on Mar 14, 2025
Latest rent: —
Photo unavailable
5046 Oak Creek Dr
sold · 0.27 mi
Price: $115,000
3 bd / 1 ba · 1,264 sqft
Latest sale: — on Oct 20, 2022
Latest rent: —
Photo unavailable
5062 Oak Creek Dr
sold · 0.30 mi
Price: $75,000
3 bd / 2 ba · 1,292 sqft
Latest sale: — on Aug 03, 2023
Latest rent: $1,415 on Mar 29, 2023
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing snapshot and photos show at least one functional kitchen stove and refrigerator; those appliances are assumed operational but were not tested.
- Central HVAC is assumed operable because an exterior condenser unit is present; no furnace/air handler photos were provided.
- Hot water system and electrical panel/functionality were not photographed; assumed present and serviceable unless inspection reveals otherwise.
- Smoke detector seen in bedroom is present and working; full house detector coverage (hallway, living area) is not shown and should be confirmed/installed as needed.
- GFCI protection at kitchen and laundry areas is not visible in photos and is assumed missing until verified; adding GFCI(s) may be required.
- No visible interior water stains or mold in photos; assume no active leaks but recommend verification during inspection.
- Year built (1981) indicates lower lead-paint risk (post-1978), so lead-based paint hazard is not expected from exterior photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,729 | $59,640 | $8,946 |
| 2023 | $1,720 | $59,640 | $8,946 |
| 2021 | $1,744 | $60,450 | $9,068 |
| 2020 | $1,715 | $59,770 | $8,966 |
| 2019 | $1,716 | $59,770 | $8,966 |
| 2018 | $1,697 | $59,770 | $8,966 |
| 2017 | $1,698 | $59,770 | $8,966 |
| 2016 | $1,653 | $59,770 | $8,966 |
| 2015 | $805 | $58,070 | $5,807 |
| 2014 | $804 | $58,070 | $5,807 |
| 2013 | $775 | $58,070 | $5,807 |
| 2012 | $775 | $58,070 | $5,807 |
| 2011 | $738 | $56,430 | $5,643 |
| 2010 | $733 | $56,430 | $5,643 |
| 2009 | $733 | $56,430 | $5,643 |
| 2008 | $733 | $51,170 | $5,117 |
| 2007 | $670 | $51,170 | $5,117 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-01-11 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2018-11-13 | Listed for rent | $900 | — |
Photo Gallery
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"last_status_change_date": "2026-02-11T18:15:33Z"
},
"event_name": "Listed",
"price_sqft": 69.66924700914849,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4138875",
"price_change_percentage": null
},
{
"date": "2026-02-11",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-07-29T15:04:50Z",
"list_price": 110000,
"listing_id": "2984777289",
"last_update_date": "2026-02-10T18:34:01Z",
"last_status_change_date": "2026-02-11T06:23:01Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "0 days",
"source_listing_id": "4120803",
"price_change_percentage": null
},
{
"date": "2026-02-10",
"price": 110000,
"listing": {
"status": "off_market",
"list_date": "2025-07-29T15:04:50Z",
"list_price": 110000,
"listing_id": "2984777289",
"last_update_date": "2026-02-10T18:34:01Z",
"last_status_change_date": "2026-02-11T06:23:01Z"
},
"event_name": "Relisted",
"price_sqft": 77.41027445460944,
"source_name": "MLSUnited",
"price_change": 110000,
"days_after_listed": null,
"source_listing_id": "4120803",
"price_change_percentage": null
},
{
"date": "2026-01-30",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-07-29T15:04:50Z",
"list_price": 110000,
"listing_id": "2984777289",
"last_update_date": "2026-02-10T18:34:01Z",
"last_status_change_date": "2026-02-11T06:23:01Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": "185 days",
"source_listing_id": "4120803",
"price_change_percentage": null
},
{
"date": "2025-10-16",
"price": 110000,
"listing": {
"status": "off_market",
"list_date": "2025-07-29T15:04:50Z",
"list_price": 110000,
"listing_id": "2984777289",
"last_update_date": "2026-02-10T18:34:01Z",
"last_status_change_date": "2026-02-11T06:23:01Z"
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"event_name": "Price Changed",
"price_sqft": 77.41027445460944,
"source_name": "MLSUnited",
"price_change": -6900,
"days_after_listed": null,
"source_listing_id": "4120803",
"price_change_percentage": null
},
{
"date": "2025-09-15",
"price": 116900,
"listing": {
"status": "off_market",
"list_date": "2025-07-29T15:04:50Z",
"list_price": 110000,
"listing_id": "2984777289",
"last_update_date": "2026-02-10T18:34:01Z",
"last_status_change_date": "2026-02-11T06:23:01Z"
},
"event_name": "Price Changed",
"price_sqft": 82.26600985221675,
"source_name": "MLSUnited",
"price_change": -1100,
"days_after_listed": null,
"source_listing_id": "4120803",
"price_change_percentage": null
},
{
"date": "2025-07-29",
"price": 118000,
"listing": {
"status": "off_market",
"list_date": "2025-07-29T15:04:50Z",
"list_price": 110000,
"listing_id": "2984777289",
"last_update_date": "2026-02-10T18:34:01Z",
"last_status_change_date": "2026-02-11T06:23:01Z"
},
"event_name": "Listed",
"price_sqft": 83.04011259676284,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4120803",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8868320695",
"generated_at": "2026-02-16T23:19:45.093718Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.8
},
"utility_allowance": {
"zip_code": "39212",
"home_photo": "https://ap.rdcpix.com/3329daf4d3b2b7e10049d63c95c59bc1l-m3364257377s-w1280.jpg",
"rent_price": 1270.0,
"loan_amount": 79200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/126-Pine-Cv_Jackson_MS_39212_M88683-20695",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 99000.0,
"loan_term_years": 30,
"annual_cash_flow": 11327.63,
"mortgage_monthly": 526.92,
"payment_standard": 1620.0,
"total_amount_out": 19800.0,
"additional_photos": [
"https://ap.rdcpix.com/3329daf4d3b2b7e10049d63c95c59bc1l-m3449224301s-w1280.jpg",
"https://ap.rdcpix.com/3329daf4d3b2b7e10049d63c95c59bc1l-m196690217s-w1280.jpg",
"https://ap.rdcpix.com/3329daf4d3b2b7e10049d63c95c59bc1l-m3289556014s-w1280.jpg",
"https://ap.rdcpix.com/3329daf4d3b2b7e10049d63c95c59bc1l-m1356383429s-w1280.jpg",
"https://ap.rdcpix.com/3329daf4d3b2b7e10049d63c95c59bc1l-m1769439602s-w1280.jpg",
"https://ap.rdcpix.com/3329daf4d3b2b7e10049d63c95c59bc1l-m1222823355s-w1280.jpg",
"https://ap.rdcpix.com/3329daf4d3b2b7e10049d63c95c59bc1l-m4288714519s-w1280.jpg",
"https://ap.rdcpix.com/3329daf4d3b2b7e10049d63c95c59bc1l-m1787767268s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 50.62,
"monthly_cash_flow": 943.97,
"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 for a 3-bedroom unit based on the property's 'Central Air' cooling system.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected the 'Electric' option based on the 'Electric Range' listed in the property's appliances.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'Natural Gas' as 'Natural Gas Available' is listed and it is a common fuel for 'Central' heating.",
"utility": "Heating",
"allowance": 21
},
{
"note": "Standard miscellaneous electric allowance for a 3-bedroom single-family home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "The property listing does not explicitly state that a microwave is provided, so it is assumed to be a tenant-owned appliance.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property listing does not explicitly state that a refrigerator is provided, so it is assumed to be a tenant-owned appliance.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Included for a 3-bedroom unit as the property is connected to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard allowance for trash collection in a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Included for a 3-bedroom unit as the property's water source is 'Public'.",
"utility": "Water",
"allowance": 104
},
{
"note": "Fuel type not specified. 'Electric' was chosen as the more expensive option between available 'Natural Gas' and 'Electric' hookups.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.57,
"down_payment_amount": 19800.0,
"property_tax_annual": 1780.87,
"property_tax_monthly": 148.41,
"property_tax_increase": 0.03,
"utility_allowance_total": 350.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.huduser.gov/portal/datasets/fmr.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.unitedstateszipcodes.org/39212/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 5004.6,
"property_management_monthly": 127.0,
"monthly_cash_flow_after_debt": 417.05,
"cash_on_cash_return_after_debt": 0.25
},
"section8_assessment": {
"runs": [
{
"summary": "This single‑family brick/sided home presents as a mostly move-in ready unit with functional kitchen appliances, intact windows and doors, working laundry hookups, and a visible exterior HVAC condenser. Photos show minor cosmetic defects (countertop chip, driveway and carport slab cracks) and an aged roof with cosmetic staining but no visible active leaks or structural sagging. Key NSPIRE verification items not shown in photos (electrical panel, full smoke/CO detector coverage, GFCI at kitchen, water heater and furnace condition) create moderate inspection risk. With basic verification and a handful of minor corrections (install/confirm smoke/CO detectors in required locations, add/confirm GFCI protection, address countertop and driveway/carport repairs), the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Overall interior and exterior surfaces appear maintained with fresh paint, new-ish flooring, functional kitchen with appliances (stove and fridge shown), and intact windows/doors. Visible minor defects: chipped countertop edge at peninsula, cracked driveway, concrete carport slab staining and small cracks, and minor exterior trim wear. Missing cosmetic/finish repairs only; no large visible structural failure. Missing appliances would be moderate but here major kitchen appliances are present."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards observed: no collapsed ceilings, obvious roof sagging, standing water, or major foundation cracks visible. A smoke detector is visible in a bedroom photo but detector coverage in common areas/hallways and additional detectors are not shown. GFCI protection at kitchen sink is not clearly visible in photos and should be verified/installed if missing. Back/side doors have security screen/metal door visible; deadbolt presence is not clearly confirmed. No exposed wiring observed in interior photos. Egress windows for bedrooms appear adequate. Because several required items (GFCI, whole‑house smoke/CO detector placement, door deadbolts) could not be confirmed from photos, safety score reduced to reflect inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Exterior HVAC condenser is present on a pad (suggesting central HVAC). Kitchen plumbing fixtures and laundry hookups are present; dryer vent is visible. No water heater, electrical panel, or furnace photos provided so condition must be assumed functional. Roof shingles show age/soiling and some darker patched areas but no obvious sagging or active leak stains on interior ceilings. Electrical panel/integrity and hot water operation could not be verified from listing images — therefore moderate risk applied."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick front and painted siding appear intact. Yard is maintained and slopes away from house generally; drainage appears adequate though large trees are close to the house (root/leaf debris risk). Carport structure looks serviceable but one support post sits on block and concrete shows cracking; driveway has surface cracking. Chain link fence present. No visible evidence of infestation, major foundation displacement, or standing water in photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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": 0.65,
"assumptions": [
"Listing snapshot and photos show at least one functional kitchen stove and refrigerator; those appliances are assumed operational but were not tested.",
"Central HVAC is assumed operable because an exterior condenser unit is present; no furnace/air handler photos were provided.",
"Hot water system and electrical panel/functionality were not photographed; assumed present and serviceable unless inspection reveals otherwise.",
"Smoke detector seen in bedroom is present and working; full house detector coverage (hallway, living area) is not shown and should be confirmed/installed as needed.",
"GFCI protection at kitchen and laundry areas is not visible in photos and is assumed missing until verified; adding GFCI(s) may be required.",
"No visible interior water stains or mold in photos; assume no active leaks but recommend verification during inspection.",
"Year built (1981) indicates lower lead-paint risk (post-1978), so lead-based paint hazard is not expected from exterior photos."
],
"overall_score": 73.0,
"rubric_version": "ns-pire-v1.0-2026-02"
},
{
"summary": "Overall the property appears to be in generally good, rentable condition with mostly cosmetic and minor service issues. Interior is clean and updated, appliances present, HVAC condenser visible, and structure shows no obvious major defects in photos. Likely would pass an initial HCV/NSPIRE inspection after minor repairs and verifications: install/verify GFCI protection in kitchen and bathrooms, ensure CO detector(s) are installed, reconnect/secure dryer vent, address countertop damage, trim vegetation away from foundation/roof, and verify water heater and electrical panel conditions. Estimated time-to-rent readiness: minor repairs and documentation checks within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Interior photos show fresh paint, intact ceilings, updated appliances (stainless fridge and electric range), new-ish vinyl and carpet — generally tidy and move-in ready. Minor cosmetic issues visible: countertop corner damage, driveway and carport concrete cracking and staining, some exterior paint wear and trim touch-up needs. Washer/dryer hookups present but dryer vent appears not fully connected. No evidence of collapsed surfaces or major interior damage. Missing appliances would not be a major failure here because full-size fridge/stove are present."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No active life‑threatening hazards observed (no collapsed ceilings, no standing water, no visible structural sagging). At least one smoke detector is visible in a bedroom, and exterior doors show security screen/metal door at rear. Potential code risks: no visible CO detector, no clearly visible GFCI-protected outlets at kitchen counters (photo shows standard outlets), dryer vent appears disconnected (fire/CO risk if gas dryer; looks electric but vent still required), some exterior vegetation close to the foundation and tree canopy over the roof could contribute to moisture/debris risk. Electrical panel and circuit protection not visible in photos; assumed intact. Bedroom windows appear to be adequate egress size but measurements are not shown."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, roof, plumbing, electrical)",
"score": 70.0,
"rationale": "Exterior shows an AC condenser in place (suggesting central HVAC). Stove is electric and present; kitchen plumbing fixtures (sink) appear functional. Roof shingles show discoloration and streaking and some worn areas but no visible sagging or active leaks in interior photos. Water heater and electrical panel not pictured so their condition is unknown. Driveway/carport posts appear serviceable but one post base uses a concrete block (minor). Overall systems appear present and likely functional but several key items (service records, water heater, electrical panel, HVAC working test) are not verifiable from photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope, grounds and site condition",
"score": 72.0,
"rationale": "Brick front and painted siding appear intact. Yard is maintained with established turf; rear slopes away from the house (good drainage). Carport and driveway are serviceable but show cracking and staining. Vegetation is dense near property lines and close to the structure in places (trim back recommended). No obvious major foundation cracks or erosion seen in provided photos; chain-link fencing present. Trees close to the roofline raise future roof maintenance risk."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible GFCI outlet at kitchen counter area — potential NSPIRE fail if not GFCI-protected.",
"No visible carbon monoxide detector in photos — required if gas appliances or attached garage present; needs confirmation/installation.",
"Dryer vent appears disconnected/missing hose — fire and ventilation issue that should be corrected before move-in.",
"Roof shows aging, streaking, and some worn areas; while no active leaks are visible, roof nearing end-of-life could become a failing condition if not addressed within a few years.",
"Vegetation and large trees are close to the structure and roof — increases risk of roof/leaf debris and potential moisture issues if not trimmed."
],
"confidence": 0.68,
"assumptions": [
"Water heater is present and operational though not pictured.",
"Electrical service/panel is intact and properly labeled (not visible in photos).",
"Bedrooms have egress windows that meet size requirements (windows appear large enough in photos but not measured).",
"There is no active roof leak — interior photos show no ceiling stains; roof condition is aged but intact.",
"Stove is electric (visible) and gas connections are not present/required for safety checks.",
"At least one smoke detector exists (visible in bedroom); additional detectors/CO alarms may need installation to meet code.",
"No evidence of major pest infestation or severe mold on visible surfaces; none was photographed."
],
"overall_score": 73.0,
"rubric_version": "ns_pire_v1.0"
},
{
"summary": "Overall the property appears to be in good, mostly rentable condition for a Housing Choice Voucher tenant after a short list of minor code and cosmetic fixes. Major systems appear present (central HVAC, kitchen appliances, laundry hookups, exterior AC unit). Expected pre-inspection tasks: verify and/or install CO alarm, confirm/upgrade GFCI protection in kitchen and laundry, verify deadbolt on entry door, patch chipped countertop edge, address driveway/carport concrete cracks and clean oil stains, and inspect roof shingles to confirm no active leaks. No major structural or life-safety red flags were observed in the photos; likely rent-ready within 2-4 weeks depending on verification of the unseen systems (electrical panel, water heater) and quick code fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Property is generally in good cosmetic condition with updated kitchen appliances present (stainless fridge and electric range), clean interiors, new-looking flooring in laundry, painted walls and replaced carpet. Visible issues: cracked driveway and concrete stains at carport, minor countertop edge damage (chipped corner), roof shows age and staining/possible shingle wear, minor exterior trim wear. These are mostly cosmetic or moderate repairs that should be corrected prior to tenancy but are not structural. Missing or damaged small items appear easy-to-fix; major appliances are present which reduces penalty."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible. A smoke detector is visible in interior photos. Exterior doors have security/screen door at rear; front door deadbolt not clearly visible in photos. No exposed interior wiring was observed; electrical outlet locations look intact. Potential items to address: CO detector presence not confirmed (likely required), GFCI protection in kitchen/laundry not clearly documented, verified window egress for each bedroom cannot be fully confirmed from photos. Yard and paths are free of standing water and major trip hazards. Overall there are some code items likely needing minor corrections (add/verify CO alarm, install/verify GFCI receptacles, confirm door locks) but no visible imminent danger."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 70.0,
"rationale": "Exterior central AC unit present and appears in serviceable condition. Vents visible in ceilings indicate central HVAC ducting. Kitchen and laundry plumbing fixtures and hookups are present; water connections and dryer vent shown. Electrical panel not imaged so condition unknown; visible outlets and fixtures appear functional. Roof shows age and staining and likely near mid-to-late life but no visible sagging or active leaks in photos. Water heater and full electrical panel were not photographed — these are unknowns that create moderate risk but nothing in the images indicates immediate system failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Front brick façade and painted siding appear intact; yard is maintained and slopes away from the structure (good drainage). Carport is functional though concrete has cracks and oil/staining; support posts appear straight/stable. Trees are close to the roof which will increase roof debris maintenance frequency. Chain-link fence visible and yard appears secure. No evidence of standing water, erosion, major foundation cracks, infestation, or collapsed elements in exterior photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing snapshot shows 'baths': 1 but listing description says 2 baths; assume at least one functioning bathroom is present and operational for inspection purposes.",
"Central HVAC is present and operational (exterior condenser and interior vents observed); assumed heating component functions but not directly tested in photos.",
"Water heater and main electrical panel were not photographed; assume present and intact unless inspection reveals otherwise.",
"Smoke detector visible in interior is functional; carbon monoxide alarm presence was not shown and should be installed if absent.",
"GFCI protection in kitchen and laundry was not clearly visible; assume missing or needs verification and probable minor corrective work.",
"Window sizes and heights are assumed to meet egress requirements for bedrooms based on visible window proportions, but exact compliance needs in-person measurement."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "126 Pine Cv, Jackson, MS, 39212",
"aggregate": {
"summary": "This single‑family brick/sided home presents as a mostly move-in ready unit with functional kitchen appliances, intact windows and doors, working laundry hookups, and a visible exterior HVAC condenser. Photos show minor cosmetic defects (countertop chip, driveway and carport slab cracks) and an aged roof with cosmetic staining but no visible active leaks or structural sagging. Key NSPIRE verification items not shown in photos (electrical panel, full smoke/CO detector coverage, GFCI at kitchen, water heater and furnace condition) create moderate inspection risk. With basic verification and a handful of minor corrections (install/confirm smoke/CO detectors in required locations, add/confirm GFCI protection, address countertop and driveway/carport repairs), the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Overall interior and exterior surfaces appear maintained with fresh paint, new-ish flooring, functional kitchen with appliances (stove and fridge shown), and intact windows/doors. Visible minor defects: chipped countertop edge at peninsula, cracked driveway, concrete carport slab staining and small cracks, and minor exterior trim wear. Missing cosmetic/finish repairs only; no large visible structural failure. Missing appliances would be moderate but here major kitchen appliances are present."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick front and painted siding appear intact. Yard is maintained and slopes away from house generally; drainage appears adequate though large trees are close to the house (root/leaf debris risk). Carport structure looks serviceable but one support post sits on block and concrete shows cracking; driveway has surface cracking. Chain link fence present. No visible evidence of infestation, major foundation displacement, or standing water in photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards observed: no collapsed ceilings, obvious roof sagging, standing water, or major foundation cracks visible. A smoke detector is visible in a bedroom photo but detector coverage in common areas/hallways and additional detectors are not shown. GFCI protection at kitchen sink is not clearly visible in photos and should be verified/installed if missing. Back/side doors have security screen/metal door visible; deadbolt presence is not clearly confirmed. No exposed wiring observed in interior photos. Egress windows for bedrooms appear adequate. Because several required items (GFCI, whole‑house smoke/CO detector placement, door deadbolts) could not be confirmed from photos, safety score reduced to reflect inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Exterior HVAC condenser is present on a pad (suggesting central HVAC). Kitchen plumbing fixtures and laundry hookups are present; dryer vent is visible. No water heater, electrical panel, or furnace photos provided so condition must be assumed functional. Roof shingles show age/soiling and some darker patched areas but no obvious sagging or active leak stains on interior ceilings. Electrical panel/integrity and hot water operation could not be verified from listing images — therefore moderate risk applied."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing snapshot and photos show at least one functional kitchen stove and refrigerator; those appliances are assumed operational but were not tested.",
"Central HVAC is assumed operable because an exterior condenser unit is present; no furnace/air handler photos were provided.",
"Hot water system and electrical panel/functionality were not photographed; assumed present and serviceable unless inspection reveals otherwise.",
"Smoke detector seen in bedroom is present and working; full house detector coverage (hallway, living area) is not shown and should be confirmed/installed as needed.",
"GFCI protection at kitchen and laundry areas is not visible in photos and is assumed missing until verified; adding GFCI(s) may be required.",
"No visible interior water stains or mold in photos; assume no active leaks but recommend verification during inspection.",
"Year built (1981) indicates lower lead-paint risk (post-1978), so lead-based paint hazard is not expected from exterior photos."
],
"score_method": "mean_of_criteria",
"overall_score": 72.8,
"rubric_version": "ns-pire-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8868320695"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.