Property ID: 8984537426
5620 Hearn St, Jackson, MS, 39206
Jackson, MS
Money Down: $17,976
CoC Return: 34.68%
Monthly Cash Flow: $519
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$14,980
Closing Costs
$2,996
Total Down
$17,976
Investment Snapshot
Purchase Price
$74,900
Money Down
$17,976
Cash-on-Cash Return
34.68%
Rent
$1,155
Monthly Cash Flow
$519
Annual Cash Flow
$6,233
Debt Service / Mo
$399
Property Tax / Mo
$90
Insurance / Mo
$31
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,155
Payment Standard
$1,530
Rent
$1,155
Insurance
$31
Property Tax
$90
Management
$116
Utilities Allowance
$375
NOI (Monthly)
$918
Debt Service
$399
Cash Flow After Debt
$519
Quality Score: 70.30%
Confidence: 93.00%
Overall the property appears mostly turnkey for Section 8 / HCV occupancy with updated interior finishes, functioning kitchen and bath fixtures, and central HVAC indicators. Primary inspection risks are non‑visible system details (smoke/CO detector placement, GFCI protection, electrical panel condition), bedroom egress window size (could fail if windows don't meet egress), and exterior risks from large trees overhanging the roof and a partially open utility/box in the yard. With a brief targeted checklist (confirm smoke/CO placement; install/confirm GFCI at kitchen; verify HVAC, water heater and electrical panel operation; secure/close yard utility cover; trim/remove tree hazards; repair any missing vent grilles), the unit is likely to pass an initial HCV/NSPIRE inspection within 30 days.
Section 8 Payment Standard
$1,530
Utility Allowance Total
$375
Guaranteed Section 8 Rent (PS - Utilities)
$1,155
Property Management
$116
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$74,900
Beds
3
Baths
1
Living Area
1,008 sqft
Lot Size
14,375 sqft
Year Built
1958
Days on Market
146
Capital Outlay
$17,976
Debt Service
$399
Property Tax / Mo
$90
Insurance / Mo
$31
Property Description
3 bedroom & 1 bath home in North Jackson. Updated interior and it's looking good! Sold in as is condition. Call your agent today!
Utility Allowances
Air Conditioning
$12
Selected based on the property having a 'Central Air' cooling system.
Cooking
$11
Selected 'Electric' as the property includes a 'Free-Standing Range' with no mention of gas utilities.
Heating
$50
Selected 'Electric' as the fuel type for the 'Central' heating system is not specified. Per instructions, the most expensive common option was chosen.
Other Electric
$69
Standard allowance for general electricity usage (e.g., lights, small appliances).
Range/Microwave
$3
Allowance for a tenant-owned microwave, as one is not listed as a provided appliance.
Sewer
$60
The property is connected to a public sewer system.
Trash Collection
$37
Standard allowance for municipal trash collection for a single-family home.
Water
$104
The property is connected to a public water source.
Water Heating
$29
Selected 'Electric' as fuel type for consistency with the heating system assumption, as no specific fuel is mentioned.
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$369
DP3 Annual Estimate$386
DP1 Monthly Equivalent$31
DP3 Monthly Equivalent$32
Replacement Value$23,670
Basis1,008 sqft / 1958
Nearby Houses
Photo unavailable
5604 Hearn St
sold · 0.03 mi
Price: $77,000
3 bd / 1 ba · 1,008 sqft
Latest sale: — on Apr 28, 2025
Latest rent: $1,395 on May 02, 2025
Photo unavailable
5621 Hearn St
sold · 0.05 mi
Price: $99,000
4 bd / 2 ba · 1,652 sqft
Latest sale: — on Mar 21, 2024
Latest rent: —
Photo unavailable
5685 Heard St
sold · 0.23 mi
Price: $31,900
3 bd / 1 ba · 932 sqft
Latest sale: — on Feb 28, 2024
Latest rent: —
Photo unavailable
5729 Angle St
for_sale · 0.29 mi
Price: $69,900
3 bd / 1 ba · 1,281 sqft
Latest sale: —
Latest rent: —
Photo unavailable
5457 Mimosa Dr
sold · 0.29 mi
Price: $55,000
3 bd / 2 ba · 1,167 sqft
Latest sale: — on Oct 10, 2023
Latest rent: $1,500 on Nov 22, 2024
Risk and Criteria Detail
Red Flags
- success
- Large mature tree immediately adjacent/overhanging roof — risk of limb damage, clogged gutters, roof compromise.
- Potential insufficient bedroom egress (low horizontal slider windows) — may fail NSPIRE egress requirement without measurements.
- No clearly visible smoke detectors in bedrooms and CO alarm presence not verified — possible NSPIRE deficiency.
- GFCI protection at kitchen (and bathroom if required) not visible — potential code/NSPIRE fail.
- Open/partially displaced utility/box or cover in front yard creating a trip/hazard.
Assumptions
- Central HVAC exists and is connected (ceiling vents and thermostat visible) but operational status and age are unverified.
- Water heater and electrical panel exist on property but are not shown in photos; condition unknown.
- A round ceiling device visible in a hallway is treated as a smoke alarm, but smoke detectors inside bedrooms are not visible and may be missing.
- Kitchen has standard countertop outlets but GFCI protection is not visible in photos and may be absent.
- Bedroom windows are assumed to be standard for this 1958 home but measurements for egress compliance are not available; they may be borderline.
- The black/open cover in the yard is a utility/valve/cleanout box or debris — treated as a trip hazard requiring closure.
- No active roof leaks or interior water damage exist based on lack of visible stains in photos; however proximity of large trees elevates roof risk.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,048 | $36,170 | $5,426 |
| 2023 | $1,043 | $36,170 | $5,426 |
| 2021 | $1,044 | $36,170 | $5,426 |
| 2020 | $1,031 | $35,950 | $5,393 |
| 2019 | $1,032 | $35,950 | $5,393 |
| 2018 | $1,021 | $35,950 | $5,393 |
| 2017 | $1,021 | $35,950 | $5,393 |
| 2016 | $994 | $35,950 | $5,393 |
| 2015 | $938 | $34,940 | $5,241 |
| 2014 | $937 | $34,940 | $5,241 |
| 2013 | $911 | $34,940 | $5,241 |
| 2012 | $893 | $34,260 | $5,139 |
| 2011 | $880 | $34,260 | $5,139 |
| 2010 | $875 | $34,260 | $5,139 |
| 2009 | $875 | $34,260 | $5,139 |
| 2008 | $875 | $25,250 | $3,788 |
| 2007 | $652 | $25,250 | $3,788 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-16 | Price Changed | $74,900 |
| 2025-09-23 | Listed | $84,900 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-07-22 | Listed for rent | $1,285 | — |
| 2024-06-11 | Listed for rent | $945 | — |
| 2024-05-13 | Listed for rent | $945 | — |
| 2023-07-28 | Listed for rent | $900 | — |
| 2022-09-15 | Listed for rent | $900 | — |
Photo Gallery
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"https://ap.rdcpix.com/589ed5b667a664e7b6a506ccaf798737l-m1714874760s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 31.46,
"monthly_cash_flow": 918.09,
"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 property having a 'Central Air' cooling system.",
"utility": "Air Conditioning",
"allowance": 12
},
{
"note": "Selected 'Electric' as the property includes a 'Free-Standing Range' with no mention of gas utilities.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Selected 'Electric' as the fuel type for the 'Central' heating system is not specified. Per instructions, the most expensive common option was chosen.",
"utility": "Heating",
"allowance": 50
},
{
"note": "Standard allowance for general electricity usage (e.g., lights, small appliances).",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Allowance for a tenant-owned microwave, as one is not listed as a provided appliance.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property is connected to a public sewer system.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Standard allowance for municipal trash collection for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property is connected to a public water source.",
"utility": "Water",
"allowance": 104
},
{
"note": "Selected 'Electric' as fuel type for consistency with the heating system assumption, as no specific fuel is mentioned.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.74,
"down_payment_amount": 14980.0,
"property_tax_annual": 1079.44,
"property_tax_monthly": 89.95,
"property_tax_increase": 0.03,
"utility_allowance_total": 375.0,
"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": 6233.27,
"property_management_monthly": 115.5,
"monthly_cash_flow_after_debt": 519.44,
"cash_on_cash_return_after_debt": 0.42
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears mostly turnkey for Section 8 / HCV occupancy with updated interior finishes, functioning kitchen and bath fixtures, and central HVAC indicators. Primary inspection risks are non‑visible system details (smoke/CO detector placement, GFCI protection, electrical panel condition), bedroom egress window size (could fail if windows don't meet egress), and exterior risks from large trees overhanging the roof and a partially open utility/box in the yard. With a brief targeted checklist (confirm smoke/CO placement; install/confirm GFCI at kitchen; verify HVAC, water heater and electrical panel operation; secure/close yard utility cover; trim/remove tree hazards; repair any missing vent grilles), the unit is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 80.0,
"rationale": "Interior appears recently updated: fresh paint, new-looking vinyl plank flooring, intact cabinetry and fixtures. Kitchen appliances (range and refrigerator) are present. Bathroom fixtures look serviceable. Minor items visible: a few ceiling vent/grille covers appear missing or damaged, small cosmetic wear at trim, and exterior paint/soffit touch-up likely. No visible collapsed ceilings, large holes, or major deferred maintenance in photos. Missing appliances would have reduced score moderately, but both primary appliances are present."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 75.0,
"rationale": "No obvious life‑threatening hazards visible: walls/ceilings intact, no exposed wiring, plumbing fixtures present and appear functional, tile surround and tub look acceptable. A small round ceiling device (likely a smoke detector) is visible in common area, but smoke detectors are not evident in bedrooms from photos — NSPIRE requires properly located smoke detectors (and CO alarms where required). GFCI outlets near sink are not visible in photos and may be absent. Bedroom windows are horizontal slider-type and may not meet egress size requirements depending on dimensions (unable to verify). Entry door has a visible dead-latch/knob but deadbolt presence unclear. No signs of active roof leaks or mold in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Ceiling supply/return vents and a wall thermostat are visible indicating central HVAC likely present; function not verified. Kitchen range and refrigerator present. No water stains or active leaks are evident in the photos; bathroom plumbing fixtures installed. Roof shingles appear aged with a few darker/patchy areas (possible prior patching) and large shade trees overhang the roof which increases maintenance and risk of damage. Electrical panel and water heater are not shown. Because system operation and ages are unknown, a conservative mid-high score is used."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior siding and foundation appear intact from front photos; driveway and carport are functional but show wear and surface cracking. A very large tree sits close to/over the roof — this is a maintenance and risk concern (limb fall, gutter/roof damage). Yard has scattered debris and an open/partially displaced utility/valve box cover in front yard (trip hazard). No visible standing water, major foundation cracks, nor exterior structural sagging in photos."
},
{
"key": "rental_history_activity",
"label": "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": [
"Large mature tree immediately adjacent/overhanging roof — risk of limb damage, clogged gutters, roof compromise.",
"Potential insufficient bedroom egress (low horizontal slider windows) — may fail NSPIRE egress requirement without measurements.",
"No clearly visible smoke detectors in bedrooms and CO alarm presence not verified — possible NSPIRE deficiency.",
"GFCI protection at kitchen (and bathroom if required) not visible — potential code/NSPIRE fail.",
"Open/partially displaced utility/box or cover in front yard creating a trip/hazard."
],
"confidence": 0.72,
"assumptions": [
"Central HVAC exists and is connected (ceiling vents and thermostat visible) but operational status and age are unverified.",
"Water heater and electrical panel exist on property but are not shown in photos; condition unknown.",
"A round ceiling device visible in a hallway is treated as a smoke alarm, but smoke detectors inside bedrooms are not visible and may be missing.",
"Kitchen has standard countertop outlets but GFCI protection is not visible in photos and may be absent.",
"Bedroom windows are assumed to be standard for this 1958 home but measurements for egress compliance are not available; they may be borderline.",
"The black/open cover in the yard is a utility/valve/cleanout box or debris — treated as a trip hazard requiring closure.",
"No active roof leaks or interior water damage exist based on lack of visible stains in photos; however proximity of large trees elevates roof risk."
],
"overall_score": 74.0,
"rubric_version": "nsprite-v1.0-2026-02"
},
{
"summary": "Overall this 3BR/1BA single-family house appears cosmetically updated and largely move-in ready with working appliances and finished interior surfaces. Primary inspection risks are: potential non-compliant bedroom egress (small/high windows in at least one bedroom), unverified placement/function of required smoke and CO detectors, unknown location/condition of electrical panel/GFCI protection at kitchen, and roof aging/patching combined with a very large tree close to the structure. If those safety items (detectors, egress compliance, GFCI, and roof/tree mitigation) are addressed, the property should pass an initial HCV/NSPIRE inspection with minor repairs. Based on photos and listing data, I estimate this property is in the 'Minor repairs; likely rent-ready within 30 days' range (score 61-80).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently updated: new-looking vinyl plank flooring, fresh paint, trimmed baseboards, intact cabinetry and fixtures. Kitchen appliances (electric range and refrigerator) present. Bathroom fixtures installed and look functional. Exterior siding intact and carport/driveway serviceable. Deductions for visible roof wear/patching and general yard cleanup (loose meter/cover in lawn) and large tree very close to foundation/driveway which will likely require mitigation."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 55.0,
"rationale": "No obvious exposed wiring, outlets and covers present, bathroom has ventilation fan and window. However: bedroom windows appear to be narrow/high horizontal units in at least one bedroom (possible non-compliant egress for sleeping rooms), smoke/CO detector locations and counts cannot be confirmed (only a small ceiling device visible in one photo that may or may not be a detector), GFCI protection at kitchen sink not visible, electrical panel not shown, and roof shows dark/patch areas under a large overhanging tree. These items create a moderate inspection risk and could cause a fail if detectors/egress/GFCI are not corrected."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Ceiling vents visible (central HVAC likely present) and supply registers installed. Appliances are present and plumbing fixtures appear intact (sink, tub/shower, toilet). No water stains or active leaks visible in photos. Missing/inconclusive evidence: no HVAC outdoor unit or water heater pictured, electrical service panel not shown, and roof shows aging/patching — these unknowns reduce score since operability and serviceability of major systems cannot be confirmed from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Siding and exterior walls appear in acceptable condition and driveway/carport are usable. However a very large tree is directly in front of the house and close to the foundation/driveway which is a long-term risk (roots, falling limbs, gutter clogging). Roof shows darkened/patch areas suggesting age/repairs. Yard shows some exposed dirt, scattered debris (meter/cover), and worn driveway — all minor to moderate exterior site items to address before leasing."
},
{
"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": [
"Possible non-compliant bedroom egress (narrow/high horizontal windows in at least one sleeping room) — high risk for NSPIRE fail.",
"No clearly visible smoke detectors in required locations (bedrooms/hallways/levels) — could cause inspection failure.",
"Roof shows dark/patch areas and could be nearing end-of-life or recently patched — risk of active leaks.",
"Very large tree trunk directly adjacent to the house/driveway — root/foundation and falling-limb risk; may require removal/mitigation.",
"No electrical panel, HVAC outdoor unit, or water heater pictured — major system operability unconfirmed (inspection risk).",
"GFCI protection at kitchen counter/sink not visible — potential code deficiency."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC exists and ductwork/registers are functional (vents visible) but outdoor condensing unit and water heater were not photographed; operability assumed but unconfirmed.",
"Appliances shown (electric range and refrigerator) are present and operable; no gas appliance present.",
"Smoke detectors and carbon monoxide detectors are not clearly visible in the provided photos; assume placement is incomplete or unconfirmed for NSPIRE-required locations unless proven otherwise.",
"Electrical panel and grounding are present and intact (not pictured); no exposed wiring was observed in photos.",
"No active interior water leaks or major mold issues are present (no staining or obvious mold visible), but roof shows signs of age/patching which could indicate previous leaks.",
"Bedroom egress windows may not meet minimum escape/opening size for all bedrooms based on narrow/high horizontal window photos — assumed likely non-compliant until measured.",
"Exterior tree close to house may have root/foundation or overhang risk that will require evaluation/mitigation.",
"Minor cosmetic items and yard cleanup are considered easy-to-fix, capital-only items; structural defects were not observed in photos."
],
"overall_score": 71.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears largely turnkey with updated interior finishes, working kitchen/bath fixtures and appliances, and serviceable exterior. The main inspection risks are likely life-safety items: possible non-compliant bedroom egress windows, uncertain placement/quantity of smoke and CO detectors, and a few system verifications required (water heater, electrical panel, exterior A/C). Roof shows localized wear and several large trees are very close to the house (roof/foundation risk). With 1–4 targeted fixes (verify/upgrade smoke & CO detectors, confirm egress compliance or modify windows, replace missing vent grille, address roof patches), the home is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks. On-site system verifications (electrical panel, HVAC condenser, water heater, GFCI protection) are recommended before listing for voucher tenants.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently updated: new/clean vinyl plank flooring, fresh paint, functioning fixtures, and both stove and refrigerator present in photos. Bathroom and kitchen fixtures look serviceable. Exterior siding looks intact and driveway is usable. Downgrades: some exterior deferred maintenance (yard debris, exposed utility cover in yard) and visible dark/patchy areas on the roof suggesting aging/shingle wear. No major cosmetic destruction observed. Overall turnkey with a few minor repairs and yard/roof attention."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE)",
"score": 60.0,
"rationale": "Visible positives: interior rooms have ceiling lights and HVAC supply/return vents; at least one ceiling-mounted smoke/CO-style device is visible in a central ceiling (photo). Kitchen and bathroom plumbing fixtures and tub/shower are installed. Concerns: bedroom windows appear to be narrow horizontal sliding units (low sill/high placement) and may not meet emergency egress size requirements for sleeping rooms — this is a common NSPIRE fail. Presence and location of smoke detectors (one visible) may not meet requirement for a detector in every sleeping area and on each level. No CO detector is visible (if required locally). GFCI protection near kitchen sink is not verifiable in photos. One ceiling vent grille appears to be missing/damaged (exposed duct hole) which can be cited. Because life/safety items (egress, smoke/CO, GFCI) are either not fully documented or appear insufficient, risk of initial inspection items is moderate."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Evidence of central HVAC distribution (supply/return vents and a wall thermostat) suggests heating/AC is present. Bathroom and kitchen plumbing fixtures look complete and functional in photos. Appliances (stove, fridge) are present. Unknowns: no exterior A/C condenser, no water heater, and no electrical panel are shown — their condition cannot be independently confirmed. Roof shows discoloration/patching that suggests aging shingles and localized wear (repair or replacement may be needed within a few years). Electrical condition (panel integrity, presence of anti-shock/GFCI circuits) cannot be verified from photos. Overall systems appear functional but several key items require on-site verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Siding and walls appear intact; driveway and carport are serviceable. The lot has large mature trees very close to the house and two trunks near the foundation/carport — this creates long-term risk to the roof (overhang/debris) and to foundations/driveway from roots. Yard has some uneven patched bare soil areas and a loose/removed meter/cover in the yard (trip hazard). No visible standing water, major foundation cracks, or severe exterior structural failure in photos. Overall, exterior is serviceable but tree proximity and yard hazards lower the site score."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (5yr)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Potential non-compliant bedroom egress windows (likely NSPIRE fail for at least one sleeping room).",
"Large mature trees with trunks directly adjacent to the house (risk to roof and foundation from roots and overhang).",
"Visible roof discoloration/patching — localized shingle wear that may require repair/replacement in near term.",
"Missing/damaged ceiling vent grille (exposed duct opening) which can be cited on inspection if left unrepaired.",
"Smoke/CO detector coverage not clearly shown for each sleeping area — may require additional devices to meet code."
],
"confidence": 0.65,
"assumptions": [
"Interior photos represent the majority of living spaces and reflect current condition throughout the unit.",
"Central HVAC is present and operational based on visible supply/return vents and a visible wall thermostat, even though no outdoor condenser unit is shown.",
"A smoke detector device visible in photos is functional; additional detectors and CO alarm(s) may not be present or may be absent from sleeping rooms.",
"Water heater and electrical service/panel exist in the building but were not photographed; their condition is unknown and assumed serviceable until proven otherwise.",
"Kitchen and bathroom appliances shown (stove, refrigerator, sink fixtures, toilet) are present and in working condition unless inspection reveals otherwise.",
"Bedroom windows pictured are assumed to be the primary windows for egress — their dimensions appear small and are assumed potentially non-compliant for emergency egress.",
"Roof discoloration and dark patches are assumed to indicate localized shingle wear/aging but not active large-area failure or collapse.",
"No active interior mold, active leaks, collapsed ceilings, severe structural cracking, or exposed live wiring were visible in provided photos."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5620 Hearn St, Jackson, MS, 39206",
"aggregate": {
"summary": "Overall the property appears mostly turnkey for Section 8 / HCV occupancy with updated interior finishes, functioning kitchen and bath fixtures, and central HVAC indicators. Primary inspection risks are non‑visible system details (smoke/CO detector placement, GFCI protection, electrical panel condition), bedroom egress window size (could fail if windows don't meet egress), and exterior risks from large trees overhanging the roof and a partially open utility/box in the yard. With a brief targeted checklist (confirm smoke/CO placement; install/confirm GFCI at kitchen; verify HVAC, water heater and electrical panel operation; secure/close yard utility cover; trim/remove tree hazards; repair any missing vent grilles), the unit is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 81.0,
"rationale": "Interior appears recently updated: fresh paint, new-looking vinyl plank flooring, intact cabinetry and fixtures. Kitchen appliances (range and refrigerator) are present. Bathroom fixtures look serviceable. Minor items visible: a few ceiling vent/grille covers appear missing or damaged, small cosmetic wear at trim, and exterior paint/soffit touch-up likely. No visible collapsed ceilings, large holes, or major deferred maintenance in photos. Missing appliances would have reduced score moderately, but both primary appliances are present."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior siding and foundation appear intact from front photos; driveway and carport are functional but show wear and surface cracking. A very large tree sits close to/over the roof — this is a maintenance and risk concern (limb fall, gutter/roof damage). Yard has scattered debris and an open/partially displaced utility/valve box cover in front yard (trip hazard). No visible standing water, major foundation cracks, nor exterior structural sagging in photos."
},
{
"key": "rental_history_activity",
"label": "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": "Safety & Code Risk (NSPIRE)",
"score": 63.3,
"rationale": "No obvious life‑threatening hazards visible: walls/ceilings intact, no exposed wiring, plumbing fixtures present and appear functional, tile surround and tub look acceptable. A small round ceiling device (likely a smoke detector) is visible in common area, but smoke detectors are not evident in bedrooms from photos — NSPIRE requires properly located smoke detectors (and CO alarms where required). GFCI outlets near sink are not visible in photos and may be absent. Bedroom windows are horizontal slider-type and may not meet egress size requirements depending on dimensions (unable to verify). Entry door has a visible dead-latch/knob but deadbolt presence unclear. No signs of active roof leaks or mold in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 66.7,
"rationale": "Ceiling supply/return vents and a wall thermostat are visible indicating central HVAC likely present; function not verified. Kitchen range and refrigerator present. No water stains or active leaks are evident in the photos; bathroom plumbing fixtures installed. Roof shingles appear aged with a few darker/patchy areas (possible prior patching) and large shade trees overhang the roof which increases maintenance and risk of damage. Electrical panel and water heater are not shown. Because system operation and ages are unknown, a conservative mid-high score is used."
}
],
"red_flags": [
"Large mature tree immediately adjacent/overhanging roof — risk of limb damage, clogged gutters, roof compromise.",
"Potential insufficient bedroom egress (low horizontal slider windows) — may fail NSPIRE egress requirement without measurements.",
"No clearly visible smoke detectors in bedrooms and CO alarm presence not verified — possible NSPIRE deficiency.",
"GFCI protection at kitchen (and bathroom if required) not visible — potential code/NSPIRE fail.",
"Open/partially displaced utility/box or cover in front yard creating a trip/hazard."
],
"confidence": 0.93,
"assumptions": [
"Central HVAC exists and is connected (ceiling vents and thermostat visible) but operational status and age are unverified.",
"Water heater and electrical panel exist on property but are not shown in photos; condition unknown.",
"A round ceiling device visible in a hallway is treated as a smoke alarm, but smoke detectors inside bedrooms are not visible and may be missing.",
"Kitchen has standard countertop outlets but GFCI protection is not visible in photos and may be absent.",
"Bedroom windows are assumed to be standard for this 1958 home but measurements for egress compliance are not available; they may be borderline.",
"The black/open cover in the yard is a utility/valve/cleanout box or debris — treated as a trip hazard requiring closure.",
"No active roof leaks or interior water damage exist based on lack of visible stains in photos; however proximity of large trees elevates roof risk."
],
"score_method": "mean_of_criteria",
"overall_score": 70.3,
"rubric_version": "nsprite-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8984537426"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.