Property ID: 8946837590
2520 Queensroad Ave, Jackson, MS, 39213
Jackson, MS
Money Down: $28,800
CoC Return: 0.27%
Monthly Cash Flow: $6
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,000
Closing Costs
$4,800
Total Down
$28,800
Investment Snapshot
Purchase Price
$120,000
Money Down
$28,800
Cash-on-Cash Return
0.27%
Rent
$815
Monthly Cash Flow
$6
Annual Cash Flow
$78
Debt Service / Mo
$639
Property Tax / Mo
$44
Insurance / Mo
$44
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$815
Payment Standard
$1,190
Rent
$815
Insurance
$44
Property Tax
$44
Management
$82
Utilities Allowance
$375
NOI (Monthly)
$645
Debt Service
$639
Cash Flow After Debt
$6
Quality Score: 67.60%
Confidence: 94.00%
Likely passable with minor-to-moderate repairs. Exterior and lot are generally serviceable; primary concerns are window security bars that may block egress (could fail a NSPIRE inspection unless quick-release is present), an aged roof with surface debris that should be further evaluated, and unknown interior/system items (smoke/CO detectors, GFCI, HVAC age). With a short list of fixes (verify/upgrade detectors, ensure window egress compliance, clean/repair roof, minor cosmetic updates, confirm appliances/systems) this property should be rent-ready within ~30 days.
Section 8 Payment Standard
$1,190
Utility Allowance Total
$375
Guaranteed Section 8 Rent (PS - Utilities)
$815
Property Management
$82
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$120,000
Beds
3
Baths
2
Living Area
1,659 sqft
Lot Size
6,534 sqft
Year Built
1964
Days on Market
84
Capital Outlay
$28,800
Debt Service
$639
Property Tax / Mo
$44
Insurance / Mo
$44
Property Description
Ranch style, 3 bedroom 2 bath home w/ an office on corner lot in Bel Air subdivision. Separate living and formal dining room. Boasts of 1,600+ sq. ft. and an office. Fully fenced, paved patio wraps around the back side of the house with a large storage room. This gem is awaiting your personal touch. Don't let this one get away! Call your realtor today to schedule a showing!
Utility Allowances
Air Conditioning
$12
Property has 'Central Air' cooling.
Cooking
$11
Property includes an 'Electric Cooktop'. Selected 'electric' cooking option.
Heating
$50
Property has 'Central' heating and is 'Electricity Connected'. The specific fuel type is not listed, so 'Electric' is assumed as the most likely option and is more expensive than an electric heat pump.
Other Electric
$69
Standard allowance for general electricity usage (lights, outlets) for a 3-bedroom single-family home.
Range/Microwave
$3
Tenant-paid allowance for a range/microwave. The property info lists an 'Electric Cooktop' but does not explicitly state a full range, oven, or microwave is provided.
Refrigerator
$0
The property listing explicitly states a refrigerator is included ('Appliances: [..., 'Refrigerator']'), so the tenant does not bear this utility cost.
Sewer
$60
Property is connected to 'Public Sewer' as per the listing details.
Trash Collection
$37
Standard allowance for trash collection service. Assumed to be tenant-paid as it is not listed as an included utility.
Water
$104
Property uses 'Public' water as per the listing details.
Water Heating
$29
The fuel type for water heating is not specified. 'Electric' is assumed, consistent with other appliances and the likely heating system fuel type.
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$503
DP3 Annual Estimate$564
DP1 Monthly Equivalent$42
DP3 Monthly Equivalent$47
Replacement Value$36,740
Basis1,659 sqft / 1964
Nearby Houses
Photo unavailable
2510 Queensroad Ave
sold · 0.02 mi
Price: $125,000
3 bd / 2 ba · 1,299 sqft
Latest sale: — on Mar 28, 2024
Latest rent: $975 on Apr 06, 2020
Photo unavailable
2516 Montebello Dr
sold · 0.05 mi
Price: $100,000
3 bd / 1 ba · 1,000 sqft
Latest sale: — on Apr 08, 2025
Latest rent: —
Photo unavailable
4326 Kingsroad Ave
sold · 0.06 mi
Price: $55,000
3 bd / 2 ba · 1,215 sqft
Latest sale: — on Aug 05, 2025
Latest rent: —
Photo unavailable
4234 Kingsroad Ave
off_market · 0.06 mi
Price: $89,999
3 bd / 1 ba · 871 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2606 Queensroad Ave
sold · 0.08 mi
Price: $135,000
3 bd / 2 ba · 1,690 sqft
Latest sale: — on Jun 09, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Front window security bars that may obstruct required egress — potential NSPIRE fail unless quick-release or removable from inside.
- Visible roof aging and debris suggesting near-term replacement/repair; possible leak risk if not addressed.
Assumptions
- Interior condition (flooring, cabinets, plumbing fixtures) not shown — assumed livable but in need of cosmetic updates per listing language.
- Appliances (stove, refrigerator, washer/dryer) are not visible; absence assumed not automatic fail and would be addressed before tenancy if missing.
- A central HVAC and water heater are present but likely older given year built (1964); their operational state is unknown and assumed functional until proven otherwise.
- Electrical panel and wiring are intact and not showing visible exterior issues; no exposed wiring seen in photos.
- Window security bars exist as shown; assumption that they may not have quick-release unless landlord confirms.
- No interior evidence of active leaks, severe mold, or collapsed ceilings was provided; absence of interior photos increases uncertainty on some NSPIRE checkpoints.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2007 | $511 | $39,140 | $3,914 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-07-30 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-08-28 | Listed for rent | $1,500 | — |
Photo Gallery
Show raw JSON (debug)
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"price_sqft": 53.49608197709463,
"source_name": "MLSUnited",
"price_change": -3090,
"days_after_listed": null,
"source_listing_id": "4086753",
"price_change_percentage": null
},
{
"date": "2024-07-26",
"price": 91840,
"listing": {
"status": "off_market",
"list_date": "2024-07-26T22:44:39Z",
"list_price": 79300,
"listing_id": "2970104185",
"last_update_date": "2024-09-27T19:58:46Z",
"last_status_change_date": "2024-09-29T08:21:07Z"
},
"event_name": "Listed",
"price_sqft": 55.358649789029535,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4086753",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "8946837590",
"generated_at": "2026-02-16T23:25:51.291084Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.6
},
"utility_allowance": {
"zip_code": "39213",
"home_photo": "https://ap.rdcpix.com/efee10f60ab9088ee35fdc602148ddb4l-m948569472s-w1280.jpg",
"rent_price": 815.0,
"loan_amount": 96000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2520-Queensroad-Ave_Jackson_MS_39213_M89468-37590",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 120000.0,
"loan_term_years": 30,
"annual_cash_flow": 7742.17,
"mortgage_monthly": 638.69,
"payment_standard": 1190.0,
"total_amount_out": 24000.0,
"additional_photos": [
"https://ap.rdcpix.com/efee10f60ab9088ee35fdc602148ddb4l-m912567109s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 44.46,
"monthly_cash_flow": 645.18,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Property has 'Central Air' cooling.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Property includes an 'Electric Cooktop'. Selected 'electric' cooking option.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Property has 'Central' heating and is 'Electricity Connected'. The specific fuel type is not listed, so 'Electric' is assumed as the most likely option and is more expensive than an electric heat pump.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Standard allowance for general electricity usage (lights, outlets) for a 3-bedroom single-family home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Tenant-paid allowance for a range/microwave. The property info lists an 'Electric Cooktop' but does not explicitly state a full range, oven, or microwave is provided.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property listing explicitly states a refrigerator is included ('Appliances: [..., 'Refrigerator']'), so the tenant does not bear this utility cost.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Property is connected to 'Public Sewer' as per the listing details.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard allowance for trash collection service. Assumed to be tenant-paid as it is not listed as an included utility.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property uses 'Public' water as per the listing details.",
"utility": "Water",
"allowance": 104
},
{
"note": "The fuel type for water heating is not specified. 'Electric' is assumed, consistent with other appliances and the likely heating system fuel type.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.32,
"down_payment_amount": 24000.0,
"property_tax_annual": 526.33,
"property_tax_monthly": 43.86,
"property_tax_increase": 0.03,
"utility_allowance_total": 375.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2007,
"annual_cash_flow_after_debt": 77.89,
"property_management_monthly": 81.5,
"monthly_cash_flow_after_debt": 6.49,
"cash_on_cash_return_after_debt": 0.0
},
"section8_assessment": {
"runs": [
{
"summary": "Likely passable with minor-to-moderate repairs. Exterior and lot are generally serviceable; primary concerns are window security bars that may block egress (could fail a NSPIRE inspection unless quick-release is present), an aged roof with surface debris that should be further evaluated, and unknown interior/system items (smoke/CO detectors, GFCI, HVAC age). With a short list of fixes (verify/upgrade detectors, ensure window egress compliance, clean/repair roof, minor cosmetic updates, confirm appliances/systems) this property should be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior photos show a generally intact ranch with painted brick and a newer-looking garage addition. Landscaping is slightly overgrown and there is roof debris and surface wear on shingles indicating deferred maintenance. Listing text (“awaiting your personal touch”) implies interior cosmetic updates likely. No interior photos to confirm flooring, cabinets, or appliances; missing appliance information assumed (low penalty). Overall mostly cosmetic and moderate exterior upkeep required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE compliance risk",
"score": 60.0,
"rationale": "No interior photos to confirm required detectors (smoke/CO) or GFCI outlets. Front windows appear to have wrought-iron/security bars which can fail egress requirements unless they have a quick-release mechanism — this is the primary safety concern from photos. Entry door has a security door/metal grille and there are no visible exposed electrical hazards or collapsed elements. Plumbing/hot water, handrail and stair issues cannot be confirmed from exterior photos and are treated as unknowns that reduce score."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 60.0,
"rationale": "Roof shows aging and surface debris — likely near-term maintenance or partial replacement needed but no visible sagging or active collapse. No exterior HVAC condenser or water heater are visible in supplied photos; given house age (1964) systems are likely older. Electrical panel and plumbing systems not visible; assume functional but aging. Score reflects likely operational systems but with moderate age-related inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Driveway, garage door and paved surfaces look in good condition; the property is fully fenced per listing and the lot appears level with adequate access. Siding, painted brick and garage addition appear serviceable. Some yard maintenance and shrub trimming needed but no visible foundation cracks, standing water, or major site hazards in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Front window security bars that may obstruct required egress — potential NSPIRE fail unless quick-release or removable from inside.",
"Visible roof aging and debris suggesting near-term replacement/repair; possible leak risk if not addressed."
],
"confidence": 0.65,
"assumptions": [
"Interior condition (flooring, cabinets, plumbing fixtures) not shown — assumed livable but in need of cosmetic updates per listing language.",
"Appliances (stove, refrigerator, washer/dryer) are not visible; absence assumed not automatic fail and would be addressed before tenancy if missing.",
"A central HVAC and water heater are present but likely older given year built (1964); their operational state is unknown and assumed functional until proven otherwise.",
"Electrical panel and wiring are intact and not showing visible exterior issues; no exposed wiring seen in photos.",
"Window security bars exist as shown; assumption that they may not have quick-release unless landlord confirms.",
"No interior evidence of active leaks, severe mold, or collapsed ceilings was provided; absence of interior photos increases uncertainty on some NSPIRE checkpoints."
],
"overall_score": 72.0,
"rubric_version": "ns-2026-1.0"
},
{
"summary": "Overall this property appears moderately turnkey for Section 8 tenancy but requires a short list of inspections/fixes before a likely NSPIRE pass. Exterior and site are in good condition; main risks are unknown interior systems (HVAC, water heater, electrical/GFCI) and safety items: presence/compatibility of smoke/CO detectors and possible fixed window/door security bars that could block emergency egress. With 1–4 targeted fixes (confirm/replace detectors, ensure bedroom egress or install quick-release hardware on bars, service HVAC/water heater if needed, roof cleaning/maintenance), the home is likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a generally intact ranch with painted brick, a recently-updated garage façade/door and intact driveway; landscaping is slightly overgrown and trim/paint could use attention. Roof shingles show surface wear, debris and algae staining — cosmetic now but likely near-term replacement (5-10 yrs). Listing text (“awaiting your personal touch”) and lack of interior photos suggest mostly cosmetic deferred maintenance rather than major structural damage. Missing interior finishes/appliances cannot be confirmed; absent appliances would be an easy-to-fix, capital-only item and would reduce readiness moderately but not catastrophically."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 60.0,
"rationale": "Visible security/ornamental iron on the front door and what appear to be bars on front windows raise a potential NSPIRE egress risk if they are fixed (non-quick-release). No interior photos to confirm presence/placement of smoke and CO detectors; their absence would be an inspection fail. No visible exposed wiring, severe roof sag, or collapsed elements from exterior photos. GFCI, electrical panel condition, and plumbing fixtures are unknown. Overall moderate risk: some probable easy fixes (install detectors, add GFCI) but potential inspection-failing condition if window/egress bars are non-compliant or if detectors are missing."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 55.0,
"rationale": "Major systems (HVAC, water heater, electrical panel) are not visible in the photos. House built 1964 — likely older mechanicals; the newer-looking garage suggests partial recent updates but does not confirm system condition. Roof shows aging but no visible active leaks or sagging. Because systems are unknown, score is conservative: moderate risk that at least one major system will need service or replacement. If HVAC and water heater are operable, this becomes a minor issue (easy-to-fix servicing); if absent or nonfunctional, that is an inspection failure until corrected."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior envelope appears serviceable: painted brick, intact siding on the garage addition, solid driveway and paved patio mentioned in listing. Fully fenced yard and large storage room are positives. Some vegetation is close to the structure which could affect drainage/maintenance but no obvious foundation movement, major cracks, standing water, or collapsed features are visible. Overall low exterior/site risk with mostly cosmetic and maintenance items."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Potential egress obstruction: window security bars / ironwork that may not have quick-release mechanism (could cause immediate inspection fail for bedroom windows).",
"No visible interior smoke or carbon monoxide detectors in photos (installation required if absent).",
"Roof shows algae, debris and surface wear — potential near-term replacement; needs closer inspection for leaks.",
"Major mechanicals (HVAC, water heater, electrical panel) not visible or documented — unknown operability is an inspection risk until verified."
],
"confidence": 0.6,
"assumptions": [
"No interior photos were provided; I assume interior has typical cosmetic deferred maintenance rather than major structural failure based on exterior condition and listing language.",
"Security/ornamental iron visible at front door and window grilles may be fixed; assume they could be non-quick-release unless owner confirms quick-release hardware.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they are not guaranteed present and may need installation.",
"Major systems (HVAC, water heater, electrical panel) locations and operational status are unknown; assume at least functional but potentially near end-of-life given 1964 build year unless seller confirms updates.",
"No evidence of active roof leaks or structural sagging from exterior photos; assume roof is aged but not failed.",
"Appliances (stove, refrigerator) and interior GFCI outlets are not shown; assume appliances may be present but should be confirmed."
],
"overall_score": 70.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears to be in fair-to-good condition for Section 8 tenancy with mostly cosmetic and lifecycle repairs needed. Exterior and site are serviceable and a recent garage addition is positive. The main inspection risks are potential egress-impeding window security bars, absence of visible smoke/CO detectors, and an aging roof and undocumented mechanical systems (HVAC, water heater, electrical) that require verification. Likely outcome: a Housing Choice Voucher initial NSPIRE inspection would probably be passable after addressing smoke/CO detectors and verifying egress; however, mechanical verification and removal/modification of any fixed window bars that block egress may be required. Estimated time-to-rent readiness: minor repairs and verification 1–4 weeks; if roof or HVAC work is needed, allow longer.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Exterior photos show a structurally intact ranch with painted brick, intact windows and shutters, a recent-looking garage addition, paved driveway and fenced yard. Visible deferred maintenance is limited to roof surface staining/debris, overgrown shrubs, and worn lawn; no collapsed surfaces or obvious major deterioration. Listing notes \"awaiting your personal touch,\" implying mostly cosmetic interior work. Missing interior photos prevent verification of appliances and interior finishes; missing appliances would be a moderate penalty but not catastrophic. Overall condition indicates mostly minor repairs and cosmetic work."
},
{
"key": "safety_code",
"label": "NSPIRE / safety & code compliance risk",
"score": 65.0,
"rationale": "No immediate life‑threatening hazards visible (no collapsed ceilings, standing water, or visible major foundation movement). However several inspection risk items are unclear or possibly problematic: exterior window security bars/grilles are present on front windows and could impede emergency egress if similar bars are on bedrooms; no smoke or CO detectors are visible in photos; entry shows a security door (may have deadbolt but not verifiable). Electrical, GFCI, plumbing and hot water presence cannot be confirmed from exterior images. The combination of potential egress-impeding bars and unknown smoke/CO detectors creates a moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof/HVAC/plumbing/electrical)",
"score": 60.0,
"rationale": "Roof shingles show staining and debris build-up consistent with age; no obvious sagging or active leak evidence in exterior shots, but roof likely near mid-to-late life and may need servicing or replacement within a few years. No HVAC condenser, water heater, or electrical panel are visible in photos; the garage addition appears newer and in good shape. Given the house age (1964) and lack of visible HVAC/equipment, there is moderate risk that one or more systems will need service or replacement prior to an HCV inspection, but no active system failure is evident from the exterior."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 78.0,
"rationale": "Yard is fully fenced as listed, driveway and paved areas are in good usable condition, and a large storage room/garage addition appears recently updated. No visible major foundation settlement, no collapsed walks or unsafe steps in shown views. Large trees near the house create roof-debris and gutter/clog risk but yard and site appear serviceable. Overall exterior/site condition is good with routine maintenance needed (tree trimming, roof cleaning)."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Exterior/security window bars on front windows — potential egress restriction for bedrooms (possible immediate inspection fail if bars are fixed and lack a release).",
"Aged/shingled roof with visible debris and staining — may need servicing or replacement in near term; could lead to leak-related failures if not addressed.",
"No smoke or carbon monoxide detectors visible in photos — must be verified and installed where required prior to inspection."
],
"confidence": 0.6,
"assumptions": [
"Interior condition, presence/operability of appliances (stove/fridge), smoke and carbon monoxide detectors, electrical panel and GFCI outlets are not visible in provided photos and are assumed unknown.",
"Front windows with visible security bars may indicate similar bars on bedroom windows; assume at least some windows could have fixed bars that would affect egress unless a quick-release exists.",
"No visible active roof leaks, significant structural settling, or collapsed components exist based on exterior photos; roof staining/debris indicates age but not confirmed leak.",
"HVAC condenser and water heater are present and functional unless inspection/owner disclosure indicates otherwise; absence of visible condenser in photos does not confirm lack of heating/cooling.",
"Listing \"awaiting your personal touch\" implies cosmetic interior updates rather than major structural defects unless otherwise disclosed."
],
"overall_score": 69.0,
"rubric_version": "ns_prep_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2520 Queensroad Ave, Jackson, MS, 39213",
"aggregate": {
"summary": "Likely passable with minor-to-moderate repairs. Exterior and lot are generally serviceable; primary concerns are window security bars that may block egress (could fail a NSPIRE inspection unless quick-release is present), an aged roof with surface debris that should be further evaluated, and unknown interior/system items (smoke/CO detectors, GFCI, HVAC age). With a short list of fixes (verify/upgrade detectors, ensure window egress compliance, clean/repair roof, minor cosmetic updates, confirm appliances/systems) this property should be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 73.3,
"rationale": "Exterior photos show a generally intact ranch with painted brick and a newer-looking garage addition. Landscaping is slightly overgrown and there is roof debris and surface wear on shingles indicating deferred maintenance. Listing text (“awaiting your personal touch”) implies interior cosmetic updates likely. No interior photos to confirm flooring, cabinets, or appliances; missing appliance information assumed (low penalty). Overall mostly cosmetic and moderate exterior upkeep required."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 79.3,
"rationale": "Driveway, garage door and paved surfaces look in good condition; the property is fully fenced per listing and the lot appears level with adequate access. Siding, painted brick and garage addition appear serviceable. Some yard maintenance and shrub trimming needed but no visible foundation cracks, standing water, or major site hazards in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE compliance risk",
"score": 61.7,
"rationale": "No interior photos to confirm required detectors (smoke/CO) or GFCI outlets. Front windows appear to have wrought-iron/security bars which can fail egress requirements unless they have a quick-release mechanism — this is the primary safety concern from photos. Entry door has a security door/metal grille and there are no visible exposed electrical hazards or collapsed elements. Plumbing/hot water, handrail and stair issues cannot be confirmed from exterior photos and are treated as unknowns that reduce score."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 58.3,
"rationale": "Roof shows aging and surface debris — likely near-term maintenance or partial replacement needed but no visible sagging or active collapse. No exterior HVAC condenser or water heater are visible in supplied photos; given house age (1964) systems are likely older. Electrical panel and plumbing systems not visible; assume functional but aging. Score reflects likely operational systems but with moderate age-related inspection risk."
}
],
"red_flags": [
"Front window security bars that may obstruct required egress — potential NSPIRE fail unless quick-release or removable from inside.",
"Visible roof aging and debris suggesting near-term replacement/repair; possible leak risk if not addressed."
],
"confidence": 0.94,
"assumptions": [
"Interior condition (flooring, cabinets, plumbing fixtures) not shown — assumed livable but in need of cosmetic updates per listing language.",
"Appliances (stove, refrigerator, washer/dryer) are not visible; absence assumed not automatic fail and would be addressed before tenancy if missing.",
"A central HVAC and water heater are present but likely older given year built (1964); their operational state is unknown and assumed functional until proven otherwise.",
"Electrical panel and wiring are intact and not showing visible exterior issues; no exposed wiring seen in photos.",
"Window security bars exist as shown; assumption that they may not have quick-release unless landlord confirms.",
"No interior evidence of active leaks, severe mold, or collapsed ceilings was provided; absence of interior photos increases uncertainty on some NSPIRE checkpoints."
],
"score_method": "mean_of_criteria",
"overall_score": 67.6,
"rubric_version": "ns-2026-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8946837590"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.