Property ID: 8903839510
5360 Keele St, Jackson, MS, 39206
Jackson, MS
Money Down: $22,416
CoC Return: 23.66%
Monthly Cash Flow: $442
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$18,680
Closing Costs
$3,736
Total Down
$22,416
Investment Snapshot
Purchase Price
$93,400
Money Down
$22,416
Cash-on-Cash Return
23.66%
Rent
$1,182
Monthly Cash Flow
$442
Annual Cash Flow
$5,303
Debt Service / Mo
$497
Property Tax / Mo
$81
Insurance / Mo
$44
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,182
Payment Standard
$1,530
Rent
$1,182
Insurance
$44
Property Tax
$81
Management
$118
Utilities Allowance
$348
NOI (Monthly)
$939
Debt Service
$497
Cash Flow After Debt
$442
Quality Score: 73.80%
Confidence: 88.00%
Overall this property appears mostly turnkey for Section 8 tenancy with a moderate-to-high likelihood of passing an initial HCV/NSPIRE inspection after a brief verification and minor fixes. Strengths: recent roof and HVAC, maintained exterior, fenced yard and carport. Primary inspection risks are unverified interior safety items (smoke/CO detectors, GFCI outlets, bedroom egress, electrical panel condition) and unknown appliance presence. Expect minor repairs and verification tasks within 1–4 weeks to reach full compliance.
Section 8 Payment Standard
$1,530
Utility Allowance Total
$348
Guaranteed Section 8 Rent (PS - Utilities)
$1,182
Property Management
$118
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$93,400
Beds
3
Baths
2
Living Area
1,311 sqft
Lot Size
8,712 sqft
Year Built
1964
Days on Market
68
Capital Outlay
$22,416
Debt Service
$497
Property Tax / Mo
$81
Insurance / Mo
$44
Property Description
Located in Jackson, this single-family residence offers 1,311 sq. ft. of living space with 3 bedrooms and 2 bathrooms, All of this offered for only $93,400. Built in 1964, the property features a practical ranch-style layout with seven total rooms and central HVAC for year-round comfort. Interior highlights include a kitchen with breakfast bar and adjoining den area. The roof is approximately 2 years old, and the HVAC system is about 4 years old, supporting reliable performance. The 9,026 sq. ft. lot includes a fenced backyard with fruit trees, a storage building, and a two-car carport for convenient parking. Positioned in a suburban neighborhood with easy access to schools, shopping, and parks, this home presents a solid opportunity for customization and value growth.. Buyer to verify all property information to their satisfaction prior to bidding.
Utility Allowances
Air Conditioning
$12
The property has 'Central Air' cooling, so the fixed allowance is applied.
Cooking
$11
Cooking fuel is not specified. Electric was selected as a common and consistent option, as natural gas is not confirmed for the property.
Heating
$19
Property has 'Central HVAC'. An efficient electric heat pump is assumed based on the system's age and is a provided option on the schedule.
Other Electric
$69
This is a standard fixed allowance for general tenant electric use (e.g., lights, outlets).
Range/Microwave
$3
The listing does not explicitly state a range or microwave is provided, so it's assumed to be a tenant-supplied appliance.
Refrigerator
$4
The listing does not explicitly state a refrigerator is provided, so it's assumed to be a tenant-supplied appliance.
Sewer
$60
The property listing confirms the unit is connected to 'Public Sewer'.
Trash Collection
$37
This is a standard municipal service for a single-family home and is typically the tenant's responsibility.
Water
$104
The property listing confirms the unit's water source is 'Public'.
Water Heating
$29
Water heater fuel type is not specified. Electric was selected for consistency with other assumed electric systems.
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$513
DP3 Annual Estimate$536
DP1 Monthly Equivalent$43
DP3 Monthly Equivalent$45
Replacement Value$37,400
Basis1,311 sqft / 1964
Nearby Houses
Photo unavailable
5348 Keele St
for_sale · 0.03 mi
Price: $165,000
3 bd / 2 ba · 1,356 sqft
Latest sale: — on Jan 09, 2026
Latest rent: —
Photo unavailable
5366 Cedar Park Dr
sold · 0.06 mi
Price: $175,000
3 bd / 2 ba · 1,540 sqft
Latest sale: — on Mar 26, 2024
Latest rent: —
Photo unavailable
5330 Keele St
sold · 0.07 mi
Price: $118,000
3 bd / 2 ba · 1,458 sqft
Latest sale: — on Jun 26, 2023
Latest rent: —
Photo unavailable
5384 Cedar Park Dr
sold · 0.08 mi
Price: $124,900
3 bd / 2 ba · 1,746 sqft
Latest sale: — on May 31, 2022
Latest rent: $1,545 on Feb 05, 2024
Photo unavailable
5324 Keele St
sold · 0.08 mi
Price: $113,000
3 bd / 2 ba · 1,300 sqft
Latest sale: — on Dec 12, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior rooms, smoke/CO detectors, GFCI outlets, electrical panel, water heater and plumbing are not shown; assumed to be present and serviceable unless noted otherwise.
- Listing statement that roof is ~2 years old and HVAC ~4 years old is accurate.
- No active roof leaks, significant interior water damage, collapsed ceilings, or major foundation movement exist because none are visible externally; however interior inspection could reveal issues.
- Appliances (stove/refrigerator) are not shown; assume they may be missing or older. Missing appliances would moderately reduce readiness but are not treated as automatic inspection failures.
- No visible peeling exterior paint or obvious lead-paint hazards; interior lead-based paint risk remains possible given 1964 construction.
- Storage building and fenced backyard exist as stated in listing though not fully visible in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2018 | $944 | $63,490 | $6,349 |
| 2017 | $944 | $63,490 | $6,349 |
| 2016 | $913 | $63,490 | $6,349 |
| 2015 | $870 | $62,690 | $6,269 |
| 2014 | $868 | $62,690 | $6,269 |
| 2013 | $837 | $62,690 | $6,269 |
| 2012 | $837 | $62,690 | $6,269 |
| 2011 | $850 | $65,060 | $6,506 |
| 2010 | $844 | $65,060 | $6,506 |
| 2009 | $844 | $65,060 | $6,506 |
| 2008 | $844 | $45,440 | $4,544 |
| 2007 | $596 | $45,440 | $4,544 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1993-01-18 | Sold | — |
Photo Gallery
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"utility": "Air Conditioning",
"allowance": 12
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{
"note": "Cooking fuel is not specified. Electric was selected as a common and consistent option, as natural gas is not confirmed for the property.",
"utility": "Cooking",
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{
"note": "Property has 'Central HVAC'. An efficient electric heat pump is assumed based on the system's age and is a provided option on the schedule.",
"utility": "Heating",
"allowance": 19
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{
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"utility": "Other Electric",
"allowance": 69
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{
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{
"summary": "Overall this property appears mostly turnkey for Section 8 tenancy with a moderate-to-high likelihood of passing an initial HCV/NSPIRE inspection after a brief verification and minor fixes. Strengths: recent roof and HVAC, maintained exterior, fenced yard and carport. Primary inspection risks are unverified interior safety items (smoke/CO detectors, GFCI outlets, bedroom egress, electrical panel condition) and unknown appliance presence. Expect minor repairs and verification tasks within 1–4 weeks to reach full compliance.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a cared-for ranch with intact siding/brick, maintained lawn, and recent roof (listing states ~2 years). No visible exterior structural damage, collapsed elements, or major deferred maintenance. Interior photos not provided; therefore cosmetic wear, flooring, cabinet condition and appliance presence are unknown. Missing appliances would moderately reduce readiness but are not visible; estimate minor-to-moderate cosmetic work only. Overall likely only minor repairs and finish work needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible from exterior photos: no sagging roof, collapsed ceilings, standing water, or visible electrical hazards. However critical NSPIRE items cannot be confirmed from photos: presence/placement/operation of smoke and CO detectors, GFCI protection in kitchen/baths, bedroom egress window compliance, door deadbolt, and interior wiring/plumbing. The front security door is present; deadbolt not visible. Given the home age (1964) there is a moderate risk of older electrical devices and potential lead-based paint issues if peeling occurs. These are likely fixable but require inspection. Score reflects low immediate visible hazards but several unknowns that commonly cause initial inspection failures."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Listing indicates central HVAC ~4 years old and roof ~2 years old, which are positive indicators of system health. No visible signs of roof failure from photos. Electrical panel, water heater, plumbing operation, and drainage are not shown; these remain unknown. Given new-ish HVAC and roof, major system failure is less likely but not ruled out without interior inspection or utilities verification. Score reflects likely functional mechanical systems but moderate uncertainty on electrical/plumbing details."
},
{
"key": "exterior_site",
"label": "Exterior & Site Conditions",
"score": 80.0,
"rationale": "Curb photos show intact front lawn, paved driveway/carport, fenced backyard noted in listing, and a storage building referenced. No visible major foundation exposure, severe yard drainage issues, or infestation signs. Driveway has typical wear but appears serviceable. The lot appears safe and accessible; yard and walkways present no obvious trip hazards from provided images."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Interior rooms, smoke/CO detectors, GFCI outlets, electrical panel, water heater and plumbing are not shown; assumed to be present and serviceable unless noted otherwise.",
"Listing statement that roof is ~2 years old and HVAC ~4 years old is accurate.",
"No active roof leaks, significant interior water damage, collapsed ceilings, or major foundation movement exist because none are visible externally; however interior inspection could reveal issues.",
"Appliances (stove/refrigerator) are not shown; assume they may be missing or older. Missing appliances would moderately reduce readiness but are not treated as automatic inspection failures.",
"No visible peeling exterior paint or obvious lead-paint hazards; interior lead-based paint risk remains possible given 1964 construction.",
"Storage building and fenced backyard exist as stated in listing though not fully visible in photos."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-2026-v1"
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{
"summary": "Based on exterior photos and listing data, this 1964 ranch appears largely rent-ready with minor repairs likely required. Positive indicators include a recently replaced roof (~2 years) and relatively new HVAC (~4 years), intact exterior, and a usable carport/driveway and fenced backyard. Primary inspection unknowns (smoke/CO detectors, GFCI outlets, interior flooring/cabinets, electrical panel, hot water, and bedroom egress) prevent a turnkey rating. Likely a pass after quick interior fixes or documentation (detectors, GFCI, minor cosmetic work).",
"criteria": [
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"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Exterior photos show a well-kept ranch with intact siding/brick, even lawn, and an intact roof (listing states ~2 years old). No visible collapsed areas, major staining, or missing sections. Minor cosmetic work likely inside (age 1964) and appliances/interior finishes not shown in photos; missing interior evidence reduces certainty. Missing fridge/stove or interior wear would be moderate fixes, not catastrophic. Overall appears cosmetically sound with expected minor deferred maintenance."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No obvious life-threatening hazards in exterior photos: no sagging rooflines, no collapsed elements, and entry looks secure (security storm door present). However critical NSPIRE items cannot be confirmed from photos: presence/placement and functionality of smoke/CO detectors, GFCI in kitchen/baths, bedroom egress windows, electrical panel condition, and interior water stains. The property age (1964) raises the potential for lead-based paint issues if paint is deteriorated (not observed). The presence of a central HVAC (listing) and intact exterior reduces major safety risk but unknown interior code items lower the score."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 70.0,
"rationale": "Listing states central HVAC ~4 years old and roof ~2 years old, which is favorable. No visible roof leaks, sagging, or major exterior water intrusion. Water heater, plumbing, electrical panel, and hot-water operation are not shown in photos and thus assumed typical but unverified. Given the newer roof and HVAC ages reported, mechanical risk appears moderate-low but unknowns keep the score below turnkey."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Photos show a solid curb appeal: full-width carport, paved driveway, flat yard, fenced backyard and storage building mentioned in listing. Siding and brick appear intact and paint looks serviceable from photos. Walkway and driveway appear serviceable; no standing water or obvious drainage problems visible. Overall exterior/site condition looks good and low risk for initial inspection."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior condition (flooring, cabinets, paint, appliances) is not shown; assumed generally serviceable for age but may need minor cosmetic updates.",
"Listing's ages for roof (~2 years) and HVAC (~4 years) are accurate and systems are functional.",
"Smoke and carbon monoxide detectors, GFCI outlets, electrical panel condition, and hot water supply are unknown and assumed typical but unverified.",
"No obvious active roof leaks, standing water, collapsed ceilings, or structural sagging are present based on exterior photos.",
"Fenced backyard and storage building exist as stated in listing; condition not photographed.",
"Because the house was built in 1964, lead-based paint is possible; condition of paint is unknown and assumed not severely deteriorated unless found otherwise during inspection."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Based on exterior photos and the listing: the property appears to be in good turnkey condition for Section 8 tenancy with no visible major structural or life‑safety failures. The roof and HVAC ages listed are favorable. Primary unknowns that could affect an initial NSPIRE inspection are interior items (smoke/CO detectors, GFCI outlets, appliance presence, condition of electrical panel and water heater). With routine verification and likely installation/confirmation of detectors, GFCI, and any missing appliances, this home is likely to pass an initial HCV inspection with minor or moderate repairs — target rent-readiness within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Exterior photos show a well-kept single-story ranch with intact siding and brick, maintained lawn, and a clean driveway/carport. No visible exterior rot, broken windows, or collapsed elements. Listing notes kitchen and den but interior photos are not provided, so minor interior cosmetic repairs (paint, flooring touch-ups, possible appliance installation) are assumed. Missing/unknown appliances are treated as moderate issue but not catastrophic. Overall visible deferred maintenance appears minor."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 70.0,
"rationale": "No visible life‑threatening hazards in the photos: roof appears even with no sagging, entry way and walkway appear unobstructed, no obvious exterior electrical hazards. However interior items required for NSPIRE (smoke detectors, carbon monoxide alarms where required, GFCI in kitchen/baths, bedroom egress windows, proper deadbolt on entry) cannot be confirmed from photos. Security/screen door present but presence of functioning deadbolt unknown. Score reduced for unknown but fixable safety items that typically must be verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states roof ~2 years old and central HVAC ~4 years old, which is favorable for inspection risk. No photos of electrical panel, water heater, plumbing fixtures, or evidence of active leaks. Based on the listing ages, HVAC and roof likely in good condition; remaining systems (electrical panel, water heater, plumbing) are unknown and assumed serviceable but require verification. Moderate score reflects positive listing claims plus unknown interior/system details."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Photos show an intact roofline, brick facade, painted siding, a two-car carport, and a paved driveway with clear access; lawn appears maintained. Listing references a fenced backyard, storage building, and fruit trees which increase usability (not visible in provided photos but noted). No visible drainage or foundation distress from street-level photos. Overall exterior/site appears minor-repair ready."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Listing information (roof ~2 years old, HVAC ~4 years old, fenced backyard, storage building) is accurate.",
"Interior cosmetic condition is typical for a house priced and presented this way; no severe interior water damage, mold, or structural failure unless otherwise disclosed.",
"Smoke detectors, carbon monoxide alarms, GFCI outlets, and functional deadbolt(s) may be missing or not visible and will need verification/installation prior to inspection.",
"Appliances (stove, refrigerator) are not shown; assume they may be missing or need servicing; absence would moderately reduce readiness but is not an automatic fail.",
"Electrical panel, water heater, and plumbing are present and operational unless interior inspection reveals issues.",
"No evidence of active roof leaks or foundation movement based on exterior photos; hidden issues could exist but are not indicated visually."
],
"overall_score": 77.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5360 Keele St, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall this property appears mostly turnkey for Section 8 tenancy with a moderate-to-high likelihood of passing an initial HCV/NSPIRE inspection after a brief verification and minor fixes. Strengths: recent roof and HVAC, maintained exterior, fenced yard and carport. Primary inspection risks are unverified interior safety items (smoke/CO detectors, GFCI outlets, bedroom egress, electrical panel condition) and unknown appliance presence. Expect minor repairs and verification tasks within 1–4 weeks to reach full compliance.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Exterior photos show a cared-for ranch with intact siding/brick, maintained lawn, and recent roof (listing states ~2 years). No visible exterior structural damage, collapsed elements, or major deferred maintenance. Interior photos not provided; therefore cosmetic wear, flooring, cabinet condition and appliance presence are unknown. Missing appliances would moderately reduce readiness but are not visible; estimate minor-to-moderate cosmetic work only. Overall likely only minor repairs and finish work needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Conditions",
"score": 81.7,
"rationale": "Curb photos show intact front lawn, paved driveway/carport, fenced backyard noted in listing, and a storage building referenced. No visible major foundation exposure, severe yard drainage issues, or infestation signs. Driveway has typical wear but appears serviceable. The lot appears safe and accessible; yard and walkways present no obvious trip hazards from provided images."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 66.7,
"rationale": "No obvious life‑threatening hazards visible from exterior photos: no sagging roof, collapsed ceilings, standing water, or visible electrical hazards. However critical NSPIRE items cannot be confirmed from photos: presence/placement/operation of smoke and CO detectors, GFCI protection in kitchen/baths, bedroom egress window compliance, door deadbolt, and interior wiring/plumbing. The front security door is present; deadbolt not visible. Given the home age (1964) there is a moderate risk of older electrical devices and potential lead-based paint issues if peeling occurs. These are likely fixable but require inspection. Score reflects low immediate visible hazards but several unknowns that commonly cause initial inspection failures."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 71.7,
"rationale": "Listing indicates central HVAC ~4 years old and roof ~2 years old, which are positive indicators of system health. No visible signs of roof failure from photos. Electrical panel, water heater, plumbing operation, and drainage are not shown; these remain unknown. Given new-ish HVAC and roof, major system failure is less likely but not ruled out without interior inspection or utilities verification. Score reflects likely functional mechanical systems but moderate uncertainty on electrical/plumbing details."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"Interior rooms, smoke/CO detectors, GFCI outlets, electrical panel, water heater and plumbing are not shown; assumed to be present and serviceable unless noted otherwise.",
"Listing statement that roof is ~2 years old and HVAC ~4 years old is accurate.",
"No active roof leaks, significant interior water damage, collapsed ceilings, or major foundation movement exist because none are visible externally; however interior inspection could reveal issues.",
"Appliances (stove/refrigerator) are not shown; assume they may be missing or older. Missing appliances would moderately reduce readiness but are not treated as automatic inspection failures.",
"No visible peeling exterior paint or obvious lead-paint hazards; interior lead-based paint risk remains possible given 1964 construction.",
"Storage building and fenced backyard exist as stated in listing though not fully visible in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 73.8,
"rubric_version": "nsPIRE-2026-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8903839510"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.