Property ID: 8992402831
15636 N Jackson St, Durant, MS, 39063
Durant, MS
Money Down: $16,529
CoC Return: 17.58%
Monthly Cash Flow: $242
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$13,774
Closing Costs
$2,755
Total Down
$16,529
Investment Snapshot
Purchase Price
$68,870
Money Down
$16,529
Cash-on-Cash Return
17.58%
Rent
$791
Monthly Cash Flow
$242
Annual Cash Flow
$2,906
Debt Service / Mo
$367
Property Tax / Mo
$73
Insurance / Mo
$30
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$791
Payment Standard
$990
Rent
$791
Insurance
$30
Property Tax
$73
Management
$79
Utilities Allowance
$199
NOI (Monthly)
$609
Debt Service
$367
Cash Flow After Debt
$242
Quality Score: 64.60%
Confidence: 95.00%
Based on the exterior photo and listing, the property appears generally serviceable and likely to pass an initial HCV/NSPIRE inspection after addressing routine, easily remediable items (smoke/CO detectors, GFCI outlets if missing, minor interior repairs). Major structural or system failures are not evident from available images, but interior and mechanical systems were not shown and represent the primary uncertainty. Estimated time to inspection-ready: 1–4 weeks if only minor fixes are required; longer if HVAC/electrical/plumbing replacements are discovered.
Section 8 Payment Standard
$990
Utility Allowance Total
$199
Guaranteed Section 8 Rent (PS - Utilities)
$791
Property Management
$79
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$68,870
Beds
2
Baths
1
Living Area
1,069 sqft
Lot Size
24,829 sqft
Year Built
1950
Days on Market
229
Capital Outlay
$16,529
Debt Service
$367
Property Tax / Mo
$73
Insurance / Mo
$30
Property Description
Currently tenant-occupied, this home provides immediate rental income, making it an ideal turnkey investment.
Utility Allowances
Air Conditioning
$10
The property is listed as having 'Central Air' conditioning.
Cooking
$11
No cooking appliances are provided. Tenant will likely use an electric stove as electricity is available and natural gas is not mentioned.
Heating
$20
Property has 'Central' heating. An electric heat pump is assumed as it is a common form of central electric heat and natural gas availability is not confirmed.
Other Electric
$56
A baseline allowance for general electricity usage (lights, outlets) not covered by other specific categories.
Range/Microwave
$3
The property does not include a range or microwave, so the allowance is for a tenant-owned appliance.
Refrigerator
$4
The property does not include a refrigerator, so the allowance is for a tenant-owned appliance.
Sewer
$19
The property is connected to a public sewer system.
Trash Collection
$19
Trash collection is assumed to be a tenant responsibility, as is standard for single-family homes.
Water
$33
The property is connected to a public water source.
Water Heating
$24
The water heater fuel type is unspecified. Electric was chosen as electricity is available and natural gas is not 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$349
DP3 Annual Estimate$365
DP1 Monthly Equivalent$29
DP3 Monthly Equivalent$30
Replacement Value$22,486
Basis1,069 sqft / 1950
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Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos and mechanicals were not provided; assume tenant-occupied unit is functionally habitable but may lack some modern safety devices (GFCI, CO detectors).
- Roof is metal and in serviceable condition based on visible section; no active leaks inferred from lack of exterior stains or sagging.
- No visible foundation movement or structural sagging from exterior front view; interior structural elements assumed intact absent signs to the contrary.
- Appliances (stove, refrigerator) and HVAC presence/condition are unknown; assume at least minimal heating is present due to tenancy, but system may be aged.
- Older construction (1950) increases likelihood of non-compliant outlets, older wiring, and potential lead-risk paint which would require inspection and remediation if present.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $855 | $30,661 | $4,599 |
| 2024 | $855 | $30,661 | $4,599 |
| 2023 | $840 | $30,111 | $4,516 |
| 2022 | $757 | $27,150 | $4,072 |
| 2021 | $737 | $27,150 | $4,072 |
| 2020 | $737 | $27,150 | $4,072 |
| 2019 | $715 | $26,319 | $3,948 |
| 2018 | $674 | $24,819 | $3,723 |
| 2017 | $707 | $24,819 | $3,723 |
| 2016 | $707 | $24,819 | $3,723 |
| 2009 | $690 | $26,518 | $3,977 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2016-03-15 | Sold | — |
Photo Gallery
Show raw JSON (debug)
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{
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{
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{
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{
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},
{
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{
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{
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"utility": "Water Heating",
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{
"summary": "Based on the exterior photo and listing, the property appears generally serviceable and likely to pass an initial HCV/NSPIRE inspection after addressing routine, easily remediable items (smoke/CO detectors, GFCI outlets if missing, minor interior repairs). Major structural or system failures are not evident from available images, but interior and mechanical systems were not shown and represent the primary uncertainty. Estimated time to inspection-ready: 1–4 weeks if only minor fixes are required; longer if HVAC/electrical/plumbing replacements are discovered.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Exterior brick and metal roof appear intact and maintained from the provided street photo. Carport and driveway show normal wear but no collapse. No visible major exterior deferred maintenance. Interior condition and appliances are not shown; listing notes tenant-occupied which suggests basic habitability, but missing interior photos create uncertainty. Missing/unknown appliances, minor cosmetic repairs or paint touch-ups are likely. Overall: moderate-good condition with likely minor repairs needed."
},
{
"key": "safety_code",
"label": "Safety & code compliance (NSPIRE risks)",
"score": 60.0,
"rationale": "No interior photos to verify presence/placement of smoke/CO detectors, GFCI outlets, secure deadbolt, egress windows or handrails. Exterior shows no collapsed structures, exposed wiring or obvious roof leak stains. Because the home is older (1950) there is elevated risk of missing modern GFCIs/CO detectors and lead-risk paint, but tenant-occupied status implies basic safety items are present or easily corrected. Score reflects moderate inspection risk primarily from unseen interior safety items that are typically easy-to-fix."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 55.0,
"rationale": "Roof visible in photo appears intact (metal roof) with no visible sagging or active leaks. No visible external HVAC unit, and interior mechanicals (furnace/AC, water heater, electrical panel) were not photographed. Age of house (1950) increases likelihood of older plumbing, electrical and HVAC components that may need servicing or replacement. Given lack of evidence either way, assign conservative moderate score reflecting potential system repairs required to meet inspection standards."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 70.0,
"rationale": "Yard is functional though somewhat unkempt; driveway is gravel/dirt with clear parking and a covered carport. Foundation wall appears even from the photo with no visible major cracks or settlement. Mature tree is close to the house which could pose root or roof debris issues but no immediate structural damage visible. Overall exterior/site condition looks serviceable with routine maintenance likely needed."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Interior photos and mechanicals were not provided; assume tenant-occupied unit is functionally habitable but may lack some modern safety devices (GFCI, CO detectors).",
"Roof is metal and in serviceable condition based on visible section; no active leaks inferred from lack of exterior stains or sagging.",
"No visible foundation movement or structural sagging from exterior front view; interior structural elements assumed intact absent signs to the contrary.",
"Appliances (stove, refrigerator) and HVAC presence/condition are unknown; assume at least minimal heating is present due to tenancy, but system may be aged.",
"Older construction (1950) increases likelihood of non-compliant outlets, older wiring, and potential lead-risk paint which would require inspection and remediation if present."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and the listing, the property appears in generally serviceable condition with no visible structural collapse or major exterior hazards. It is likely to be rent-ready with minor repairs and safety upgrades (smoke/CO detectors, GFCI in wet areas, ensure egress, check HVAC/water heater). Because interior systems and life-safety items are not shown, allow 1–4 weeks for targeted fixes or up to 30–60 days if significant electrical/plumbing updates are required. Tenant-occupied status suggests utilities may be active but verify prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior appearance (brick façade, intact carport, metal roof) shows modest deferred maintenance only. No visible broken windows or collapsed elements. Yard and driveway show wear and light neglect. Interior condition not shown; listing states tenant-occupied suggesting functional basic systems. Missing/unknown kitchen appliances and interior cosmetic issues may exist but are typically easy-to-fix capital items. Overall moderate-good condition with likely minor repair needs before turnover."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life-threatening hazards visible externally (no collapsed roofs, sagging structure, standing water). However critical NSPIRE items cannot be confirmed from photos: smoke/CO detectors, GFCIs, egress windows, deadbolt presence, and interior exposed wiring. Property built 1950 introduces potential lead-paint risk (pre-1978). Given exterior looks intact and no visible wiring or severe deterioration, there is moderate risk of inspection issues concentrated on interior detectors, outlet protection, and egress."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof appears intact from street view (metal/painted roof panels) with no visible sagging or active leak indicators. No HVAC unit or exterior condenser is clearly visible; interior heating/cooling, water heater, electrical panel and plumbing condition unknown. Because systems are not observable, assume typical wear for a 1950 house in the region — likely functioning but plausible need for service or updates (GFCI, electrical panel labeling, HVAC maintenance). This creates moderate inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior and foundation appear generally sound with no visible major cracks or settlement. Driveway is partially gravel/patchy; yard is bare and lightly overgrown but not hazardous. Large tree close to house could pose future roof/limb risk. Carport is serviceable. Walkways and entry threshold appear passable though handrail presence for steps is not visible (likely minimal). Overall site condition is functional but needs routine clean-up and minor repairs."
}
],
"red_flags": [],
"confidence": 0.35,
"assumptions": [
"Interior photos are not provided; assumed interior has typical wear for a 1950 single-family home and no visible extreme damage.",
"Tenant-occupied implies utilities likely on and basic systems (hot water, stove/fridge) may be present and functional, but specific appliance condition unknown.",
"No visible exterior exposed electrical wiring; interior exposed wiring or outdated knob-and-tube cannot be ruled out.",
"Smoke and carbon monoxide detectors, GFCI outlets, and deadbolt locks are not visible from exterior and should be verified/installed as needed.",
"Roof is assumed intact (no active leaks visible from street), but attic/ceiling leak signs unknown.",
"Windows/bedroom egress are assumed typical for house age; confirm sizes and emergency egress compliance during inspection.",
"Pre-1978 construction: potential lead-based paint risk exists even if not visibly peeling on brick exterior.",
"No evidence of standing water, severe mold, foundation movement, or collapsed elements visible from provided photo; deeper concealed issues may exist."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on the single exterior photo and listing notes, this property appears generally sound at the exterior level with intact brickwork and an even roofline. Tenant-occupied status suggests systems are functioning, but critical NSPIRE items (smoke/CO detectors, egress, GFCI outlets), and major systems (HVAC, water heater, electrical panel) are not verifiable from the materials provided. Expect a likely initial inspection pass after verification and correction of detector/GFCI/egress items and routine servicing of mechanical systems if needed. Estimated time-to-rent readiness: minor repairs and documentation (1–4 weeks), possible additional time if HVAC or plumbing requires replacement.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 70.0,
"rationale": "Exterior visible in photo shows intact brick walls, an even roofline and an attached carport; no collapsed areas or obvious structural distress. Yard and driveway show deferred maintenance (gravel/soil driveway, leaf/debris accumulation) but these are cosmetic. Listing states tenant-occupied indicating functional systems/appliances may be present; missing interior photos prevent verification of flooring, cabinets, paint, or appliance condition. Based on visible exterior good order and tenant occupancy, most likely only minor cosmetic and routine repairs will be needed (paint, trim, possible appliance replacement) rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / code compliance (NSPIRE risk)",
"score": 60.0,
"rationale": "No visible life-threatening hazards in the exterior photo: no collapsed ceilings, standing water, or visibly unsafe stairs/handrails. However critical NSPIRE items (smoke/CO detectors, GFCI in kitchen/bath, electrical panel integrity, bedroom egress, deadbolt on entry) cannot be verified from provided materials. Age (built 1950) raises potential lead-paint risk for interior paint surfaces which is a HUD/NSPIRE concern. No exposed wiring or active roof leaks are observable. Given the unknowns for required detectors and egress and lead-risk potential, assign a conservative moderate score — likely passable after verification and installation of detectors/GFCI if missing."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC/plumbing/electrical/roof)",
"score": 55.0,
"rationale": "Roof appears to be metal and shows an even profile from the photo (no obvious major failure). No external HVAC condenser or obvious central air unit is visible in the front view; heating/cooling source is not confirmed (could be window units, inside furnace, or a rear/side unit). Water heater, plumbing condition, electrical panel and hot water availability are not visible. Because major systems are unverified and the house is older, assume moderate risk of needing service or partial replacement (particularly HVAC or plumbing components), but no evidence of catastrophic failure from the exterior image alone."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 70.0,
"rationale": "Brick exterior is intact and looks serviceable; carport provides covered parking. Mature trees are close to the house which can present root or gutter/roof debris issues long-term. Driveway is unpaved/gravel and yard maintenance is minimal. No visible foundation cracking, significant erosion, or standing water in the pictured area. Site issues appear mostly cosmetic and routine to remediate (landscaping, driveway grading, tree trimming)."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Interior condition (floors, walls, ceilings, appliances) is not visible; assume typical tenant-occupied wear rather than severe damage.",
"Tenant-occupied listing implies functional utilities (heat, hot water) are present, though specific systems (central AC condenser, furnace, water heater) are not visible from the provided photo.",
"No visible evidence of active roof leaks, collapsed ceilings, standing water, or exposed electrical hazards in available image.",
"Because the home was built in 1950, assume potential lead-based paint risk on interior painted surfaces until tested/mitigated.",
"Smoke and carbon monoxide detectors, GFCI protection, and proper bedroom egress are unknown and assumed possibly missing or not up to current NSPIRE standards until verified."
],
"overall_score": 64.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "15636 N Jackson St, Durant, MS, 39063",
"aggregate": {
"summary": "Based on the exterior photo and listing, the property appears generally serviceable and likely to pass an initial HCV/NSPIRE inspection after addressing routine, easily remediable items (smoke/CO detectors, GFCI outlets if missing, minor interior repairs). Major structural or system failures are not evident from available images, but interior and mechanical systems were not shown and represent the primary uncertainty. Estimated time to inspection-ready: 1–4 weeks if only minor fixes are required; longer if HVAC/electrical/plumbing replacements are discovered.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Exterior brick and metal roof appear intact and maintained from the provided street photo. Carport and driveway show normal wear but no collapse. No visible major exterior deferred maintenance. Interior condition and appliances are not shown; listing notes tenant-occupied which suggests basic habitability, but missing interior photos create uncertainty. Missing/unknown appliances, minor cosmetic repairs or paint touch-ups are likely. Overall: moderate-good condition with likely minor repairs needed."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 70.0,
"rationale": "Yard is functional though somewhat unkempt; driveway is gravel/dirt with clear parking and a covered carport. Foundation wall appears even from the photo with no visible major cracks or settlement. Mature tree is close to the house which could pose root or roof debris issues but no immediate structural damage visible. Overall exterior/site condition looks serviceable with routine maintenance likely needed."
},
{
"key": "safety_code",
"label": "Safety & code compliance (NSPIRE risks)",
"score": 61.7,
"rationale": "No interior photos to verify presence/placement of smoke/CO detectors, GFCI outlets, secure deadbolt, egress windows or handrails. Exterior shows no collapsed structures, exposed wiring or obvious roof leak stains. Because the home is older (1950) there is elevated risk of missing modern GFCIs/CO detectors and lead-risk paint, but tenant-occupied status implies basic safety items are present or easily corrected. Score reflects moderate inspection risk primarily from unseen interior safety items that are typically easy-to-fix."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 56.7,
"rationale": "Roof visible in photo appears intact (metal roof) with no visible sagging or active leaks. No visible external HVAC unit, and interior mechanicals (furnace/AC, water heater, electrical panel) were not photographed. Age of house (1950) increases likelihood of older plumbing, electrical and HVAC components that may need servicing or replacement. Given lack of evidence either way, assign conservative moderate score reflecting potential system repairs required to meet inspection standards."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Interior photos and mechanicals were not provided; assume tenant-occupied unit is functionally habitable but may lack some modern safety devices (GFCI, CO detectors).",
"Roof is metal and in serviceable condition based on visible section; no active leaks inferred from lack of exterior stains or sagging.",
"No visible foundation movement or structural sagging from exterior front view; interior structural elements assumed intact absent signs to the contrary.",
"Appliances (stove, refrigerator) and HVAC presence/condition are unknown; assume at least minimal heating is present due to tenancy, but system may be aged.",
"Older construction (1950) increases likelihood of non-compliant outlets, older wiring, and potential lead-risk paint which would require inspection and remediation if present."
],
"score_method": "mean_of_criteria",
"overall_score": 64.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8992402831"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.