Property ID: 9135131494
124 Burden St, Flora, MS, 39071
Flora, MS
Money Down: $19,200
CoC Return: 10.67%
Monthly Cash Flow: $171
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,000
Closing Costs
$3,200
Total Down
$19,200
Investment Snapshot
Purchase Price
$80,000
Money Down
$19,200
Cash-on-Cash Return
10.67%
Rent
$741
Monthly Cash Flow
$171
Annual Cash Flow
$2,049
Debt Service / Mo
$426
Property Tax / Mo
$47
Insurance / Mo
$23
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$741
Payment Standard
$1,030
Rent
$741
Insurance
$23
Property Tax
$47
Management
$74
Utilities Allowance
$289
NOI (Monthly)
$597
Debt Service
$426
Cash Flow After Debt
$171
Quality Score: 77.30%
Confidence: 92.00%
This 2BR/1BA home appears largely remodeled and cosmetically turnkey with new finishes and appliances. It is likely to pass a Housing Choice Voucher (NSPIRE) initial inspection after a short punch list: confirm/install CO detector, verify/secure gas heater installation (venting or certified ventless compliance), confirm GFCI protection in kitchen/bath, and add handrail(s) if required by rise. Missing documentation/photos of electrical panel and water heater reduce certainty; these should be confirmed prior to inspection.
Section 8 Payment Standard
$1,030
Utility Allowance Total
$289
Guaranteed Section 8 Rent (PS - Utilities)
$741
Property Management
$74
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$80,000
Beds
2
Baths
1
Living Area
700 sqft
Lot Size
21,780 sqft
Year Built
1974
Days on Market
148
Capital Outlay
$19,200
Debt Service
$426
Property Tax / Mo
$47
Insurance / Mo
$23
Property Description
2 Bedrooms 1 bathroom situated on .50-1 acre lot. Totally remodeled throughout with room to expand in Madison County. Home offers new painted interior and exterior, added steps, windows, washer and dryer hook-up. new flooring, cabinetry, sink, tub, toilet, doors and more. New appliances included. You would have to view to appreciate.
Utility Allowances
Air Conditioning
$10
Property has 'Window Unit(s)' for cooling, which is electric. Selected the fixed allowance for a 2-bedroom unit.
Cooking
$9
Property info lists an 'Electric Range'. Selected the 'electric' cooking option for a 2-bedroom unit.
Heating
$17
Property info specifies 'Natural Gas' for heating. Selected the 'natural_gas' heating option for a 2-bedroom unit.
Other Electric
$56
Standard allowance for general electricity usage in a 2-bedroom unit.
Range/Microwave
$3
A microwave is not explicitly listed as a provided appliance. This allowance is for a tenant-owned microwave.
Refrigerator
$0
The property information lists 'Refrigerator' as an included appliance, so no allowance is provided for a tenant-owned unit.
Sewer
$49
Property has 'Public Sewer' service. Selected the fixed allowance for a 2-bedroom unit.
Trash Collection
$37
Standard fixed allowance for municipal trash service for a single-family home.
Water
$93
Property has 'Public' water service. Selected the fixed allowance for a 2-bedroom unit.
Water Heating
$15
Property info lists a 'Gas Water Heater'. Selected the 'natural_gas' option for a 2-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$270
DP3 Annual Estimate$282
DP1 Monthly Equivalent$22
DP3 Monthly Equivalent$24
Replacement Value$13,970
Basis700 sqft / 1974
Nearby Houses
Photo unavailable
103 Bannerman Dr
sold · 0.50 mi
Price: $155,000
3 bd / 2 ba · 1,241 sqft
Latest sale: — on Apr 10, 2023
Latest rent: —
Photo unavailable
105 Center St
sold · 0.55 mi
Price: $310,000
4 bd / 3 ba · 2,045 sqft
Latest sale: — on Dec 12, 2025
Latest rent: —
Photo unavailable
380 1st St
sold · 0.61 mi
Price: $359,900
3 bd / 4 ba · 2,844 sqft
Latest sale: — on Apr 18, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Wall-mounted gas heater with visible yellow gas flex — venting and installation compliance not documented (potential CO/exhaust hazard).
- No carbon monoxide detector visible in photos (required where gas appliances are present).
- Handrails / guardrails absent on exterior steps (may be required depending on rise).
- GFCI protection in kitchen and bathroom outlets not clearly shown — needs verification.
- No photo or documentation of electrical panel or water heater (unknown condition).
Assumptions
- New appliances listed are present and operational (photos show fridge and stove).
- Smoke alarm visible in hallway is functional and hardwired or with fresh battery; additional detectors may be required for compliance.
- A water heater exists on site and is operational though not shown in photos.
- Gas wall heater is the primary heating source and is plumbed to gas (yellow flex seen); its venting/installation compliance is unknown from photos.
- Electrical panel is present, intact and accessible though not pictured.
- Windows serve as bedroom windows; exact egress dimensions are not verifiable from photos and assumed to be borderline/unknown.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-01 | Price Changed | $80,000 |
| 2025-11-24 | Price Changed | $84,500 |
| 2025-11-15 | Price Changed | $85,000 |
| 2025-10-12 | Price Changed | $93,500 |
| 2025-09-21 | Listed | $98,500 |
Photo Gallery
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"note": "Property has 'Window Unit(s)' for cooling, which is electric. Selected the fixed allowance for a 2-bedroom unit.",
"utility": "Air Conditioning",
"allowance": 10
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{
"note": "Property info lists an 'Electric Range'. Selected the 'electric' cooking option for a 2-bedroom unit.",
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{
"note": "Property info specifies 'Natural Gas' for heating. Selected the 'natural_gas' heating option for a 2-bedroom unit.",
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{
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{
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{
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"summary": "This 2BR/1BA home appears largely remodeled and cosmetically turnkey with new finishes and appliances. It is likely to pass a Housing Choice Voucher (NSPIRE) initial inspection after a short punch list: confirm/install CO detector, verify/secure gas heater installation (venting or certified ventless compliance), confirm GFCI protection in kitchen/bath, and add handrail(s) if required by rise. Missing documentation/photos of electrical panel and water heater reduce certainty; these should be confirmed prior to inspection.",
"criteria": [
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"label": "Condition / Repairs",
"score": 85.0,
"rationale": "Photos and listing show a full remodel: new paint, flooring, cabinets, fixtures and new appliances. Interior finishes look clean and intact. Minor cosmetic items visible (window AC installation with loose cord covering, shed in yard shows wear). Missing handrails on exterior steps and small trim touch-ups likely needed but not major. Overall mostly turnkey."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 70.0,
"rationale": "Smoke detector is visible in hallway (positive). No carbon monoxide detector visible — likely required with gas appliance. A wall-mounted gas heater is installed with yellow gas flex visible; venting type/installation compliance not documented and could be an inspector concern. Exterior steps have no handrails/guardrail (may or may not be code depending on total rise) and should be verified. Egress window sizes cannot be confirmed from photos. GFCI protection in kitchen/bath is not clearly documented. No obvious active water intrusion, mold, or exposed high-risk wiring shown."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 65.0,
"rationale": "Roof and exterior appear recently updated (shingles good). Heating appears to be a wall-mounted gas unit (present but installation/venting unknown) and cooling is via window unit — functional but not a central HVAC system. Water heater, electrical panel, and main mechanical components are not shown; absence of photos reduces certainty. Kitchen appliances present (stove, refrigerator). Plumbing fixtures and bathroom fixtures appear new."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 80.0,
"rationale": "Exterior siding, trim and roof look in good condition; yard is flat and appears free of standing water. Driveway/pavement shows wear but is serviceable. Small shed on property shows age and may need maintenance. Front and side steps lack handrails; porch/step heights look modest but need measurement for guardrail/handrail requirement."
}
],
"red_flags": [
"Wall-mounted gas heater with visible yellow gas flex — venting and installation compliance not documented (potential CO/exhaust hazard).",
"No carbon monoxide detector visible in photos (required where gas appliances are present).",
"Handrails / guardrails absent on exterior steps (may be required depending on rise).",
"GFCI protection in kitchen and bathroom outlets not clearly shown — needs verification.",
"No photo or documentation of electrical panel or water heater (unknown condition)."
],
"confidence": 0.68,
"assumptions": [
"New appliances listed are present and operational (photos show fridge and stove).",
"Smoke alarm visible in hallway is functional and hardwired or with fresh battery; additional detectors may be required for compliance.",
"A water heater exists on site and is operational though not shown in photos.",
"Gas wall heater is the primary heating source and is plumbed to gas (yellow flex seen); its venting/installation compliance is unknown from photos.",
"Electrical panel is present, intact and accessible though not pictured.",
"Windows serve as bedroom windows; exact egress dimensions are not verifiable from photos and assumed to be borderline/unknown."
],
"overall_score": 75.0,
"rubric_version": "1.0"
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{
"summary": "This is a recently remodeled small single-family home that appears largely turnkey for Section 8 / HCV tenancy. Interior finishes, kitchen and bathroom fixtures, and appliances are new and in good visible condition. Primary inspection risks are limited and likely easy-to-fix: verify/install carbon monoxide detector (gas heater present), confirm proper venting and safe installation of the wall gas heater, verify GFCI protection in bathroom/kitchen, and add handrail/guard when required by local code. Major systems not shown (electrical panel, water heater) should be checked but there are no obvious signs of structural distress. With the listed verifications and a couple of small fixes it is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
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"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Photos and listing show a full interior/exterior remodel: new paint, flooring, cabinets, bathroom fixtures, new appliances (stove & refrigerator visible), new doors and windows called out. Finishes look clean and installed correctly with minimal visible deferred maintenance. Missing items noted in listings (washer/dryer hookup present) appear addressed. Only minor touch-ups likely (trim paint, threshold sealing)."
},
{
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"label": "Safety & Code Compliance",
"score": 72.0,
"rationale": "A smoke detector is visible inside near the bedroom corridor. New bathroom receptacle placement suggests modern wiring; bathroom has a receptacle but GFCI operation is not verifiable from photos. There is a wall-mounted gas heater with a visible yellow gas flex line — heater installation and venting are not clearly shown (possible CO risk). No carbon monoxide detector is visible and must be installed if gas appliance is present. Bedroom windows appear operable but egress size cannot be fully confirmed from photos. Exterior steps/porch lack handrails/guardrails. No exposed wiring or active water intrusion observed in images. Overall some safety items need verification/quick fixes (CO alarm, confirm GFCIs, verify heater venting, add handrail if required)."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Roof and siding appear in good condition and shingles look recently replaced. No central HVAC system is visible — cooling appears to be via window A/C and heating via a wall-mounted gas heater (both potentially acceptable but lower than central forced air). Water heater, main electrical panel and drain/vent piping are not shown so their condition is unknown. Appliances (stove, refrigerator) are present and look new. Because several primary systems are not visible for verification (water heater, electrical panel, heater venting), assign moderate score pending routine verifications."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Exterior photos show new or well-maintained siding, a new-looking roof, level yard and a storage shed. Driveway shows wear/patching but is serviceable. Front steps and small porch are newly constructed and the lot grading appears acceptable with no visible standing water. Large yard and clear access are positives. Missing guardrail/handrail on the porch steps is a small exterior safety item to address."
}
],
"red_flags": [
"No visible carbon monoxide (CO) alarm despite presence of a gas-fired wall heater — CO detector required.",
"Wall-mounted gas heater venting/installation not clearly shown in photos — verify proper venting and safe installation (potential gas/CO hazard).",
"Front porch/steps lack handrail/guardrail — tripping/fall hazard; may require quick correction depending on local code/inspector."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that home is 'totally remodeled' is accurate and photos represent the current condition.",
"Appliances shown (stove, refrigerator) are included and operational as stated in the listing.",
"Water heater exists and is functional but is not visible in photos.",
"Main electrical panel is present and intact (location not shown); no visible exposed wiring indicates basic electrical safety.",
"Bedroom windows meet minimum egress dimensions or are easily brought into compliance; photos do not allow precise measurement.",
"Wall-mounted heater is connected to a permitted gas supply; venting and combustion-air provisions are not visible and must be verified.",
"No active hidden water intrusion, major mold, or foundation movement beyond what is visible in photos (structure appears level and roof/siding look sound)."
],
"overall_score": 79.0,
"rubric_version": "1.0"
},
{
"summary": "Property appears recently and comprehensively remodeled with new finishes, appliances, roof and siding. Most visible items are in good condition and the house is likely rentable after a short pre-inspection checklist. Key NSPIRE risks to address before an initial HCV inspection: add a carbon monoxide alarm (required because a fuel-burning wall heater is present), verify smoke alarms are installed in every bedroom and outside sleeping areas, confirm GFCI protection at required kitchen/bath outlets, and obtain receipt/certification or inspection of the gas wall heater installation/venting. Also secure/clean up the window AC wiring and verify the electrical panel and water heater (not photographed) are serviceable. With those safety items completed and a quick systems check, this property is likely to pass an initial Housing Choice Voucher inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Photos and listing describe a full remodel: new paint, flooring, cabinets, sink, tub, toilet, doors and new appliances visible (stove, refrigerator). Interior finishes and trim appear new with no visible damage to flooring, drywall, or cabinetry. Exterior siding and roof shingles look recently replaced; front steps and small porch look recently built. Minor visible issues: driveway surface deterioration and shed showing wear. Missing appliance risk is low because new appliances are shown. Overall cosmetic and repair needs are minor and mostly completed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "Some safety items are clearly present: interior smoke alarm visible in living area and exterior entry lighting is provided. Entry door appears to have a deadbolt. However several NSPIRE-relevant items are not documented or not visible: no carbon monoxide alarm was observed despite a gas-fired wall heater inside (CO alarm is required where fuel-burning appliances are present). Smoke alarms in each bedroom and outside sleeping areas are not visible in photos. GFCI protection at kitchen counters and at bathroom outlets is not confirmed (an outlet is visible in bathroom but GFCI tag/feature not obvious). The wall-mounted gas heater's venting and installation compliance cannot be confirmed from photos and should be verified. Window AC unit cord routing and the temporary-looking protective wrap on the cord may need correction to meet safe wiring expectations. No exposed large electrical hazards or active water intrusion were visible and no mold or peeling paint observed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 75.0,
"rationale": "Major systems appear recently updated or present: kitchen appliances (electric stove, refrigerator) visible; plumbing fixtures and bathroom fixtures are new; there is a gas wall heater for heat and a window A/C for cooling. Roof and siding appear in good condition externally. The central HVAC ducting/unit is not visible — property uses local heating and cooling which is acceptable if functional. Water heater and main electrical panel were not shown; their condition is unknown. Because several key systems are out of view, a mid-level score reflects likely functionality based on the recent remodel but recommends verification of water heater, electrical panel condition, and certification of the gas heater installation/venting."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 80.0,
"rationale": "Exterior photos show new-looking roof shingles, intact vinyl siding, painted exterior and a tidy yard with adequate drainage slope away from the front of the house. The lot is large and generally well maintained. The driveway surface is worn and partially deteriorated; front steps and porch lack visible handrails (steps appear modest height but handrail requirements depend on final riser count). The outbuilding/shed shows wear and likely needs inspection for safety/infestation if used for tenant storage. No signs of standing water, major foundation cracking, or exterior structural distress are visible."
}
],
"red_flags": [
"No visible carbon monoxide alarm while a fuel-burning (gas) wall heater is installed — CO alarm required.",
"No visible smoke alarms in bedrooms or outside sleeping areas (only one detector visible) — additional smoke alarms likely required to meet NSPIRE.",
"Gas wall heater venting/installation not verified from photos — potential gas/venting/CO risk; requires inspection/certification.",
"GFCI protection at kitchen countertop and bathroom outlets not clearly shown — may fail inspection if not present.",
"Window AC power cord routing/protection appears temporary; confirm safe, code-compliant wiring and receptacle condition."
],
"confidence": 0.7,
"assumptions": [
"Listing text and photos are accurate and up-to-date and represent the current condition of the house.",
"New appliances shown (stove, refrigerator) are included and operational as stated in the listing.",
"Window units and the wall gas heater are the primary cooling/heating systems; no central HVAC is present.",
"Water heater and electrical service panel exist and are functional though not pictured; absence of visible water stains or damage implies no active leaks.",
"Bedroom egress windows meet minimum egress size/operation requirements unless determined otherwise on-site.",
"Front porch steps have fewer than the number of risers that would automatically require a handrail in some local codes, but handrail requirement should be verified locally."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "124 Burden St, Flora, MS, 39071",
"aggregate": {
"summary": "This 2BR/1BA home appears largely remodeled and cosmetically turnkey with new finishes and appliances. It is likely to pass a Housing Choice Voucher (NSPIRE) initial inspection after a short punch list: confirm/install CO detector, verify/secure gas heater installation (venting or certified ventless compliance), confirm GFCI protection in kitchen/bath, and add handrail(s) if required by rise. Missing documentation/photos of electrical panel and water heater reduce certainty; these should be confirmed prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 86.0,
"rationale": "Photos and listing show a full remodel: new paint, flooring, cabinets, fixtures and new appliances. Interior finishes look clean and intact. Minor cosmetic items visible (window AC installation with loose cord covering, shed in yard shows wear). Missing handrails on exterior steps and small trim touch-ups likely needed but not major. Overall mostly turnkey."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 80.7,
"rationale": "Exterior siding, trim and roof look in good condition; yard is flat and appears free of standing water. Driveway/pavement shows wear but is serviceable. Small shed on property shows age and may need maintenance. Front and side steps lack handrails; porch/step heights look modest but need measurement for guardrail/handrail requirement."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 70.7,
"rationale": "Smoke detector is visible in hallway (positive). No carbon monoxide detector visible — likely required with gas appliance. A wall-mounted gas heater is installed with yellow gas flex visible; venting type/installation compliance not documented and could be an inspector concern. Exterior steps have no handrails/guardrail (may or may not be code depending on total rise) and should be verified. Egress window sizes cannot be confirmed from photos. GFCI protection in kitchen/bath is not clearly documented. No obvious active water intrusion, mold, or exposed high-risk wiring shown."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 70.0,
"rationale": "Roof and exterior appear recently updated (shingles good). Heating appears to be a wall-mounted gas unit (present but installation/venting unknown) and cooling is via window unit — functional but not a central HVAC system. Water heater, electrical panel, and main mechanical components are not shown; absence of photos reduces certainty. Kitchen appliances present (stove, refrigerator). Plumbing fixtures and bathroom fixtures appear new."
}
],
"red_flags": [
"Wall-mounted gas heater with visible yellow gas flex — venting and installation compliance not documented (potential CO/exhaust hazard).",
"No carbon monoxide detector visible in photos (required where gas appliances are present).",
"Handrails / guardrails absent on exterior steps (may be required depending on rise).",
"GFCI protection in kitchen and bathroom outlets not clearly shown — needs verification.",
"No photo or documentation of electrical panel or water heater (unknown condition)."
],
"confidence": 0.92,
"assumptions": [
"New appliances listed are present and operational (photos show fridge and stove).",
"Smoke alarm visible in hallway is functional and hardwired or with fresh battery; additional detectors may be required for compliance.",
"A water heater exists on site and is operational though not shown in photos.",
"Gas wall heater is the primary heating source and is plumbed to gas (yellow flex seen); its venting/installation compliance is unknown from photos.",
"Electrical panel is present, intact and accessible though not pictured.",
"Windows serve as bedroom windows; exact egress dimensions are not verifiable from photos and assumed to be borderline/unknown."
],
"score_method": "mean_of_criteria",
"overall_score": 77.3,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9135131494"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.