Property ID: 8990987583
307 E Dewey Camp Rd, Florence, MS, 39073
Florence, MS
Money Down: $28,776
CoC Return: 9.55%
Monthly Cash Flow: $229
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
9.55%
Rent
$1,099
Monthly Cash Flow
$229
Annual Cash Flow
$2,748
Debt Service / Mo
$638
Property Tax / Mo
$58
Insurance / Mo
$64
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,099
Payment Standard
$1,440
Rent
$1,099
Insurance
$64
Property Tax
$58
Management
$110
Utilities Allowance
$341
NOI (Monthly)
$867
Debt Service
$638
Cash Flow After Debt
$229
Quality Score: 62.90%
Confidence: 92.00%
This 3BR/2BA two-story house appears structurally intact with functioning core systems likely present (exterior HVAC visible, kitchen appliances in place), but shows moderate cosmetic deferral and a few NSPIRE inspection risks that need quick correction: confirm/replace CO detector, verify smoke detectors and GFCI in kitchen/bath, confirm bedroom egress sizes, and repair/replace buckled flooring. With targeted repairs and verification (most within contractor/handyman scope), the property is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks.
Section 8 Payment Standard
$1,440
Utility Allowance Total
$341
Guaranteed Section 8 Rent (PS - Utilities)
$1,099
Property Management
$110
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
2
Living Area
1,850 sqft
Lot Size
18,731 sqft
Year Built
1994
Days on Market
73
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$58
Insurance / Mo
$64
Property Description
This home features 3 bedrooms and 2 bathrooms, along with a living room, kitchen, dining area, and a 2-floor layout. The property includes a back patio and a spacious backyard, offering plenty of room for outdoor activities and family gatherings. Don't miss out on the opportunity to own this property.
Utility Allowances
Air Conditioning
$12
Selected the fixed allowance for a 3-bedroom single-family home. Air conditioning is assumed for this climate.
Cooking
$11
The property photos show an electric range. 'Electric' was chosen as the most consistent option. Allowance is for a 3-bedroom unit.
Heating
$19
Heating type is not specified but an A/C unit is visible, suggesting a central HVAC system. 'Electric Heat Pump' is a common and efficient option in this region and was selected. Allowance is for a 3-bedroom unit.
Other Electric
$69
Selected the fixed allowance for general electric usage in a 3-bedroom single-family home.
Sewer
$60
The property details explicitly state 'Public Sewer'. Selected the fixed allowance for a 3-bedroom unit.
Trash Collection
$37
Selected the fixed allowance for a single-family home, as this service is typically required.
Water
$104
The property details explicitly state 'Water Source: Public'. Selected the fixed allowance for a 3-bedroom unit.
Water Heating
$29
Water heater fuel type is not specified. 'Electric' was chosen for consistency with other electric appliances (cooking, heating). Allowance is for a 3-bedroom unit.
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$753
DP3 Annual Estimate$787
DP1 Monthly Equivalent$63
DP3 Monthly Equivalent$66
Replacement Value$89,790
Basis1,850 sqft / 1994
Nearby Houses
Photo unavailable
118 Pine Ridge Rd
off_market · 0.03 mi
Price: $285,000
3 bd / 2 ba · 2,147 sqft
Latest sale: — on Apr 30, 2021
Latest rent: —
Photo unavailable
303 E Dewey Camp Dr
sold · 0.05 mi
Price: $139,900
2 bd / 1 ba · 980 sqft
Latest sale: — on Sep 15, 2025
Latest rent: —
Photo unavailable
301 E Dewey Camp Dr
sold · 0.07 mi
Price: $134,900
2 bd / 1 ba · 1,063 sqft
Latest sale: — on Nov 01, 2023
Latest rent: —
Photo unavailable
102 Hickory Holw
sold · 0.08 mi
Price: $243,000
3 bd / 3 ba · 2,086 sqft
Latest sale: — on Sep 20, 2024
Latest rent: —
Photo unavailable
106 Pine Ridge Rd
sold · 0.09 mi
Price: $120,000
3 bd / 2 ba · 2,436 sqft
Latest sale: — on Jul 28, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Unconfirmed bedroom egress — several bedrooms show small windows that may not meet emergency egress requirements.
- No visible carbon monoxide detector in photos (may be required depending on local code) — possible immediate fail if required and missing.
- Areas of buckled laminate/loose flooring observed — trip hazard and repair needed before move-in.
Assumptions
- Photos are representative of the entire unit and there are no major hidden areas with severe damage.
- Central HVAC is operable or can be made operable with routine service (condenser present in photos).
- Water heater and electrical panel are present in the home but not shown in photos; no visible signs of active leaks or electrical fire damage.
- Appliances shown (cooktop/oven) may be present but condition/function unknown; a refrigerator is not shown and may need to be supplied.
- No documented history of flooding, fire, or pest infestation beyond typical yard debris (not visible in photos).
- Bedroom windows' egress compliance cannot be confirmed from photos; assume potential borderline egress size that may require replacement or alternate egress.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $673 | $94,790 | $9,479 |
| 2023 | $588 | $86,510 | $8,651 |
| 2022 | $575 | $86,510 | $8,651 |
| 2021 | $575 | $86,510 | $8,651 |
| 2020 | $575 | $86,510 | $7,587 |
| 2019 | $488 | $75,870 | $7,587 |
| 2018 | $473 | $75,870 | $7,587 |
| 2017 | $1,160 | $75,870 | $11,381 |
| 2016 | $13 | $76,420 | $7,642 |
| 2015 | $13 | $76,420 | $7,642 |
| 2014 | $13 | $76,420 | $7,642 |
| 2013 | $13 | $76,420 | $7,642 |
| 2012 | $13 | $76,420 | $7,642 |
| 2011 | $12 | $76,420 | $7,642 |
| 2010 | $12 | $76,420 | $7,642 |
| 2009 | $12 | $76,420 | $7,642 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-05 | Listed | $119,900 |
| 2017-03-14 | Listing removed | $114,900 |
| 2017-02-01 | Listed | $114,900 |
Photo Gallery
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},
{
"note": "Heating type is not specified but an A/C unit is visible, suggesting a central HVAC system. 'Electric Heat Pump' is a common and efficient option in this region and was selected. Allowance is for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 19
},
{
"note": "Selected the fixed allowance for general electric usage in a 3-bedroom single-family home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "The property details explicitly state 'Public Sewer'. Selected the fixed allowance for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 60
},
{
"note": "Selected the fixed allowance for a single-family home, as this service is typically required.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property details explicitly state 'Water Source: Public'. Selected the fixed allowance for a 3-bedroom unit.",
"utility": "Water",
"allowance": 104
},
{
"note": "Water heater fuel type is not specified. 'Electric' was chosen for consistency with other electric appliances (cooking, heating). Allowance is for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 29
}
],
"cash_on_cash_return": 0.43,
"down_payment_amount": 23980.0,
"property_tax_annual": 693.19,
"property_tax_monthly": 57.77,
"property_tax_increase": 0.03,
"utility_allowance_total": 341.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.hud.gov/program_offices/public_indian_housing/pha/contacts",
"https://www.huduser.gov/portal/datasets/fmr.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": 2748.11,
"property_management_monthly": 109.9,
"monthly_cash_flow_after_debt": 229.01,
"cash_on_cash_return_after_debt": 0.11
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/2BA two-story house appears structurally intact with functioning core systems likely present (exterior HVAC visible, kitchen appliances in place), but shows moderate cosmetic deferral and a few NSPIRE inspection risks that need quick correction: confirm/replace CO detector, verify smoke detectors and GFCI in kitchen/bath, confirm bedroom egress sizes, and repair/replace buckled flooring. With targeted repairs and verification (most within contractor/handyman scope), the property is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs (cosmetic / deferred maintenance)",
"score": 68.0,
"rationale": "Interior shows cosmetic wear but no major structural damage visible: scuffed/dirty walls, patched/reclaimed wood paneling, tile floors generally intact but some areas of buckled laminate/loose flooring in living/dining area; kitchen cabinetry intact though dated; missing/unknown appliances (no fridge shown). Exterior siding has surface staining and leaf/debris accumulation on yard. These are mostly cosmetic or moderate repairs (floor replacement/patching, paint, cleaning, minor cabinet/trim repairs) that are straightforward capital fixes and shouldn't be long-term barriers to Section 8 readiness."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk items)",
"score": 60.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no exposed high-voltage wiring). A ceiling-mounted smoke detector appears present in a hallway photo but carbon monoxide detector is not visible — CO detector may be required depending on local code. Some bedroom windows appear small; egress compliance for upstairs bedrooms is uncertain from photos and could fail an inspection. Stair has a handrail. Kitchen GFCI outlets not clearly visible. Minor trip hazards (thresholds/step to rear door) and possible loose trim/nails at reclaimed wood wall. Overall there are several inspection-risk unknowns (egress windows, CO detector, GFCI) that would require confirmation or quick fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 64.0,
"rationale": "Exterior shows an outdoor HVAC condenser present (good indicator of central heat/AC) though operational status not confirmed. Roof appears aged but intact in photos — no visible major failure or active leaks. No water heater or electrical panel photos provided. Visible vents/grilles exist and ceiling registers seen. Kitchen has a built-in oven/cooktop visible but unknown working condition; no fridge shown. Based on visible components the major systems likely exist and are serviceable but require standard verification and possible minor repairs/servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site (yard, siding, walkways, drainage)",
"score": 70.0,
"rationale": "Lot is spacious with a back patio and large yard; driveway and walkways appear serviceable though covered in leaves. Siding generally intact but shows algae/mildew/staining on rear elevation and some vegetation close to the building — recommend trimming trees/plants away from siding. No obvious foundation cracks or slope/settlement visible from provided exterior shots. Overall site needs cleanup and minor maintenance but no major exterior structural issues apparent."
}
],
"red_flags": [
"Unconfirmed bedroom egress — several bedrooms show small windows that may not meet emergency egress requirements.",
"No visible carbon monoxide detector in photos (may be required depending on local code) — possible immediate fail if required and missing.",
"Areas of buckled laminate/loose flooring observed — trip hazard and repair needed before move-in."
],
"confidence": 0.7,
"assumptions": [
"Photos are representative of the entire unit and there are no major hidden areas with severe damage.",
"Central HVAC is operable or can be made operable with routine service (condenser present in photos).",
"Water heater and electrical panel are present in the home but not shown in photos; no visible signs of active leaks or electrical fire damage.",
"Appliances shown (cooktop/oven) may be present but condition/function unknown; a refrigerator is not shown and may need to be supplied.",
"No documented history of flooding, fire, or pest infestation beyond typical yard debris (not visible in photos).",
"Bedroom windows' egress compliance cannot be confirmed from photos; assume potential borderline egress size that may require replacement or alternate egress."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/2BA single-family shows a sound basic structure and intact systems visually present (HVAC condenser, supply vents, intact roofline and siding) but displays moderate deferred maintenance and a few inspection-risk items. Primary concerns are ceiling staining consistent with past/possible active leak(s), localized buckled flooring (likely moisture-related), mildew on siding and overhanging trees, incomplete/unclear appliance set, and several code items that cannot be verified from photos (GFCI, CO alarm, electrical panel). With targeted repairs: address any active leaks, replace/repair buckled flooring, verify/repair electrical and detector coverage, and complete cosmetic/fixture fixes, this property should be able to pass an initial HCV/NSPIRE inspection within 30 days. Current condition suggests moderate repairs are needed before renting.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 62.0,
"rationale": "Interior is largely intact but shows deferred cosmetic and finish maintenance: scuffed/dirty walls, areas of missing outlet/fixture covers, one ceiling fan missing a globe, and sections of laminate/tile transitions that are buckling or lifting in the dining area. Kitchen cabinets appear serviceable but countertops and trim need cleaning/repair. Appliances are inconsistent in photos (built-in oven present but cooktop/complete range and refrigerator not clearly visible) — missing or non-functional appliances will require replacement but are capital items rather than safety failures. Overall condition indicates moderate repairs and cosmetic refresh needed prior to move-in."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Basic safety elements are present in photos: at least one ceiling-mounted smoke alarm is visible and interior stair has a handrail. No exposed wiring observed and window openings are present in bedrooms. However several NSPIRE-relevant items are unknown or borderline from photos: carbon monoxide alarm not visible, GFCI protection in kitchen/bathrooms cannot be confirmed, electrical panel condition/location not shown, and deadbolt presence on entry door unclear. There is also visible ceiling staining in one area consistent with a past or ongoing leak which could trigger a fail if active. Given unknowns, the property presents moderate inspection risk and will require verification of detectors, GFCI outlets, and confirmation of no active water intrusion."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "HVAC outdoor condenser is present (photo), and supply/return vents are visible indoors suggesting central HVAC originally installed. Water heater and electrical service/panel are not shown. Roof shingles appear aged with surface algae/mildew but no obvious collapse; there is ceiling staining that suggests a past roof or plumbing leak which requires investigation and possible repair. Flooring buckling in places suggests prior moisture that could indicate drainage or plumbing issues. Systems appear present but their operational condition and ages are unknown — recommend service inspection for HVAC, plumbing, water heater and electrical prior to tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding and trim are intact though show mildew/algae and general aging; driveway and 2-car garage appear serviceable. Mature trees are very close to the house which increases debris on roof/gutters and risk of roof/soffit damage; vegetation near foundation should be cleared. Yard is large and usable but has leaf/debris cover. No visible major foundation cracks or evident slope/settlement from available exterior photos. Overall site conditions are fair but would benefit from cleaning, gutter maintenance, and vegetation management."
}
],
"red_flags": [
"Ceiling staining consistent with past or active roof/plumbing leak — requires immediate verification and repair if active.",
"Buckled/warped laminate flooring in dining area suggesting moisture damage beneath finish.",
"Vegetation/large trees close to structure and visible siding algae — increased risk of roof/gutter clogging and long-term exterior deterioration.",
"Unknown/undocumented presence of GFCI protection and carbon monoxide alarms (not visible) — these are common NSPIRE inspection items and must be confirmed."
],
"confidence": 0.68,
"assumptions": [
"Photos represent the whole property's typical condition; there are no hidden rooms with severe damage not pictured.",
"HVAC is central forced-air and operational — outdoor condenser visible but no evidence of its working condition; assumed serviceable until tested.",
"Water heater and electrical panel are present somewhere in the property but were not photographed; their condition is unknown.",
"Kitchen has a built-in oven (visible) but a dedicated full range or refrigerator are not clearly shown; assumed at least some cooking appliance components exist but replacement may be needed.",
"Ceiling staining indicates prior water intrusion; it may be an active leak or an old, repaired stain — further inspection is required.",
"No obvious active pest infestation or visible severe mold in photos; however moisture indicators (stained ceiling, buckled flooring) raise risk of hidden mold."
],
"overall_score": 62.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "This 1994 single-family home presents as structurally intact and largely serviceable but with moderate deferred maintenance and some NSPIRE inspection risks. Strengths: intact roofline and siding, central HVAC unit present, functioning stair/handrail and operable windows, kitchen cabinetry and built-in appliances visible. Primary concerns: localized ceiling discoloration and areas of buckled flooring indicating prior or ongoing moisture intrusion that need diagnosis and repair; an exposed/open ceiling electrical box fixture and unverified GFCI protection; cosmetic cleanup and minor repairs throughout. With targeted repairs (investigate and repair leak sources, repair/replace buckled flooring, install/verify smoke & CO detectors, secure/open electrical boxes, verify HVAC and hot water operation, provide any missing appliances and GFCI outlets), the property could be made Section 8 / NSPIRE-compliant within 30 days. Current pass likelihood for an initial HCV inspection is moderate but not assured without addressing the moisture/ceiling and electrical box issues first.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior is mostly intact but shows moderate deferred maintenance and cosmetic damage. Visible issues: dirty/aged ceiling fans, scuffed walls and trim, areas of flooring lifting/buckling (laminate/wood look) in the dining area, and worn baseboards. A decorative reclaimed-wood feature wall appears to have loose/uneven boards that should be secured or removed. Kitchen cabinetry and counters appear serviceable but dated; refrigerator is not visible in photos (likely not present). No obvious collapsed ceilings or exposed structural framing were seen. These are mostly repair/finish items with a small amount of labor and some replacement materials required."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Some safety items are present but there are inspection risks. Positive: at least one smoke detector is visible in a hallway/ceiling area. Interior stairs have a handrail. Windows appear to be operable, but bedroom egress sizing cannot be confirmed from photos. Concerns: visible ceiling discoloration and a slightly uneven ceiling plane near the far ceiling fan (possible past or active water intrusion) and buckled flooring indicating previous moisture — both increase risk of hidden water damage or mold. A missing ceiling light fixture/ceiling box (open box visible) is present in one room which could be cited if wiring not properly terminated. GFCI protection in kitchen/bathroom outlets is not verifiable in photos. Deadbolt/security hardware on exterior doors is not visible. No exposed high-voltage wiring or broken guardrails observed. Overall the property has several correctable code risks but a few issues (possible leak, open ceiling box) could cause an initial fail without repair/verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Major systems show mixed evidence. Positive: a central HVAC outdoor unit is visible and ceiling/return vents are present indicating ducted HVAC. Kitchen shows built-in oven and cooktop present (electric style) although a refrigerator is not shown. Roof appears intact in rear photo with no obvious large sag or collapsed areas; exterior siding shows algae/staining but no open sheathing. Unknowns: operational status of HVAC, water heater, electrical panel, plumbing fixtures, and hot water cannot be confirmed from photos. Visible signs of previous moisture (buckling floors, ceiling discoloration) raise concern about plumbing leaks or roof leaks that should be investigated. Given visible systems and lack of clear catastrophic failures, assume functionality but with need for verification and minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Lot and exterior are generally serviceable. Front and rear photos show intact siding and roofline with typical age-related staining/algae. Driveway and two-car garage present; backyard is spacious and accessible. Grounds need leaf/debris cleanup and minor grading/clearance by foundation perimeter may be needed (vegetation close to siding). Exterior HVAC pad and unit are installed. No standing water, major erosion, or collapsed site features visible. Overall an above-average exterior condition for a house of this vintage with routine cleanup/maintenance required."
}
],
"red_flags": [
"Ceiling discoloration and slightly uneven ceiling plane in living area — potential active or prior roof/plumbing leak (needs immediate investigation).",
"Buckled/lifted flooring in dining/entry area indicating moisture damage or subfloor issues that could hide rot or mold.",
"Open/missing ceiling fixture or exposed ceiling electrical box visible in one room — potential electrical safety citation if not properly terminated.",
"No visible refrigerator; appliance absence will require provisioning before tenancy (not an immediate safety fail but an access/amenity issue)."
],
"confidence": 0.72,
"assumptions": [
"Central HVAC is operational or repairable because an outdoor unit and ceiling/return vents are visible; full functionality not confirmed.",
"Water heater, electrical panel and plumbing fixtures exist and function but were not visible in photos; assumed serviceable pending verification.",
"Smoke detector shown provides at least partial coverage; additional detectors and CO alarms (if required by local code) may be needed.",
"Built-in cooktop and wall oven are present and assumed serviceable; refrigerator is not shown and likely not included.",
"No visible major foundation movement, structural sagging, collapsed ceilings, or active standing water were observed; assumed absent.",
"GFCI protection at kitchen and bathroom outlets could not be verified from images and should be tested/installed if missing."
],
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "307 E Dewey Camp Rd, Florence, MS, 39073",
"aggregate": {
"summary": "This 3BR/2BA two-story house appears structurally intact with functioning core systems likely present (exterior HVAC visible, kitchen appliances in place), but shows moderate cosmetic deferral and a few NSPIRE inspection risks that need quick correction: confirm/replace CO detector, verify smoke detectors and GFCI in kitchen/bath, confirm bedroom egress sizes, and repair/replace buckled flooring. With targeted repairs and verification (most within contractor/handyman scope), the property is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs (cosmetic / deferred maintenance)",
"score": 63.3,
"rationale": "Interior shows cosmetic wear but no major structural damage visible: scuffed/dirty walls, patched/reclaimed wood paneling, tile floors generally intact but some areas of buckled laminate/loose flooring in living/dining area; kitchen cabinetry intact though dated; missing/unknown appliances (no fridge shown). Exterior siding has surface staining and leaf/debris accumulation on yard. These are mostly cosmetic or moderate repairs (floor replacement/patching, paint, cleaning, minor cabinet/trim repairs) that are straightforward capital fixes and shouldn't be long-term barriers to Section 8 readiness."
},
{
"key": "exterior_site",
"label": "Exterior & Site (yard, siding, walkways, drainage)",
"score": 71.7,
"rationale": "Lot is spacious with a back patio and large yard; driveway and walkways appear serviceable though covered in leaves. Siding generally intact but shows algae/mildew/staining on rear elevation and some vegetation close to the building — recommend trimming trees/plants away from siding. No obvious foundation cracks or slope/settlement visible from provided exterior shots. Overall site needs cleanup and minor maintenance but no major exterior structural issues apparent."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk items)",
"score": 58.3,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no exposed high-voltage wiring). A ceiling-mounted smoke detector appears present in a hallway photo but carbon monoxide detector is not visible — CO detector may be required depending on local code. Some bedroom windows appear small; egress compliance for upstairs bedrooms is uncertain from photos and could fail an inspection. Stair has a handrail. Kitchen GFCI outlets not clearly visible. Minor trip hazards (thresholds/step to rear door) and possible loose trim/nails at reclaimed wood wall. Overall there are several inspection-risk unknowns (egress windows, CO detector, GFCI) that would require confirmation or quick fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 61.3,
"rationale": "Exterior shows an outdoor HVAC condenser present (good indicator of central heat/AC) though operational status not confirmed. Roof appears aged but intact in photos — no visible major failure or active leaks. No water heater or electrical panel photos provided. Visible vents/grilles exist and ceiling registers seen. Kitchen has a built-in oven/cooktop visible but unknown working condition; no fridge shown. Based on visible components the major systems likely exist and are serviceable but require standard verification and possible minor repairs/servicing."
}
],
"red_flags": [
"Unconfirmed bedroom egress — several bedrooms show small windows that may not meet emergency egress requirements.",
"No visible carbon monoxide detector in photos (may be required depending on local code) — possible immediate fail if required and missing.",
"Areas of buckled laminate/loose flooring observed — trip hazard and repair needed before move-in."
],
"confidence": 0.92,
"assumptions": [
"Photos are representative of the entire unit and there are no major hidden areas with severe damage.",
"Central HVAC is operable or can be made operable with routine service (condenser present in photos).",
"Water heater and electrical panel are present in the home but not shown in photos; no visible signs of active leaks or electrical fire damage.",
"Appliances shown (cooktop/oven) may be present but condition/function unknown; a refrigerator is not shown and may need to be supplied.",
"No documented history of flooding, fire, or pest infestation beyond typical yard debris (not visible in photos).",
"Bedroom windows' egress compliance cannot be confirmed from photos; assume potential borderline egress size that may require replacement or alternate egress."
],
"score_method": "mean_of_criteria",
"overall_score": 62.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8990987583"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.