69 Wiley Ave, Durant, MS, 39063
Durant, MS
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 69.40%
Confidence: 88.00%
Overall this appears to be a cosmetically updated, tenant-occupied 3BR/2BA house with likely functional major systems and a sound exterior envelope. The property is mostly turnkey from a cosmetic standpoint, but it has inspection risks: visible exposed wiring and no visible smoke/CO alarms are likely to cause an initial NSPIRE/HCV fail until corrected. Missing kitchen appliances (range/fridge) and possible missing GFCI outlets are moderate issues. With focused safety corrections (install hard-wired or battery smoke alarms, secure/repair electrical outlet wiring, install GFCI where required) and installation of required appliances or documentation, the property should be rentable under Section 8 within ~2-4 weeks.
Property Fundamentals
Property Description
Don't miss this incredible opportunity to own a beautifully remodeled 3-bedroom, 2-bath home, perfect for investors or first-time home buyers! This well-maintained property offers modern upgrades throughout, including updated flooring, fresh paint, stylish fixtures, and renovated kitchen and bathrooms designed for both comfort and functionality. Currently tenant-occupied, this home provides immediate rental income, making it an ideal turnkey investment. Whether you're looking to expand your rental portfolio or take your first step into homeownership, this property is a smart move. Schedule a showing today - this opportunity won't last long!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
- Exposed/loose electrical wiring visible at a bedroom wall outlet (electrical hazard)
- No visible smoke alarms or carbon monoxide alarms in photos (NSPIRE-required detectors may be missing)
- GFCI protection in kitchen/bath not visible - potential code/safety deficiency
Assumptions
- Property is occupied by a tenant (listing states tenant-occupied) and major systems (HVAC, water heater, electrical) are operational but not photographed.
- No smoke detectors or carbon monoxide detectors are present because none are visible in the photos; they may exist but were not captured.
- A central HVAC system is present and working (inferred from ceiling grille visible in kitchen photo and tenant occupancy).
- Electrical panel, water heater, and furnace/AC equipment were not shown; their condition is unknown and assumed serviceable unless otherwise discovered during inspection.
- Range/stove and refrigerator are not present in photos and should be assumed missing or not guaranteed to be included.
- No signs of active roof leaks or structural movement are visible; photos show an intact roof but somewhat aged shingles.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $166 | $5,959 | $894 |
| 2024 | $166 | $5,959 | $894 |
| 2023 | $166 | $5,959 | $894 |
| 2022 | $153 | $5,511 | $827 |
| 2021 | $149 | $5,511 | $827 |
| 2020 | $149 | $5,511 | $827 |
| 2019 | $149 | $5,511 | $827 |
| 2018 | $143 | $5,286 | $793 |
| 2017 | $150 | $5,286 | $793 |
| 2016 | $150 | $5,286 | $793 |
| 2009 | $570 | $5,090 | $764 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-07-05 | Sold | — |
Photo Gallery
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"interest_rate": 0.07,
"purchase_price": 102700.0,
"loan_term_years": 30,
"annual_cash_flow": 9040.82,
"mortgage_monthly": 546.61,
"payment_standard": 1300.0,
"total_amount_out": 20540.0,
"additional_photos": [
"https://ap.rdcpix.com/9c59e4b3c28a8efd8528897a387793cal-m448774629s-w1280.jpg",
"https://ap.rdcpix.com/9c59e4b3c28a8efd8528897a387793cal-m1012611372s-w1280.jpg",
"https://ap.rdcpix.com/9c59e4b3c28a8efd8528897a387793cal-m1412537918s-w1280.jpg",
"https://ap.rdcpix.com/9c59e4b3c28a8efd8528897a387793cal-m460368739s-w1280.jpg",
"https://ap.rdcpix.com/9c59e4b3c28a8efd8528897a387793cal-m2787953710s-w1280.jpg",
"https://ap.rdcpix.com/9c59e4b3c28a8efd8528897a387793cal-m84564645s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 97.25,
"monthly_cash_flow": 753.4,
"property_tax_rate": 0.0097,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/",
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Non%20Metro%20Single%20Family%20Detached.pdf"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Property has central heating. Fuel type is not specified, so the most expensive option (Bottled Gas) was selected per instructions.",
"utility": "Heating",
"allowance": 78
},
{
"note": "Property listing indicates no appliances are provided. Fuel type is not specified, so the most expensive option (Bottled Gas) was selected per instructions.",
"utility": "Cooking",
"allowance": 29
},
{
"note": "Fuel for water heating is not specified. The most expensive option (Bottled Gas) was selected per instructions.",
"utility": "Water Heating",
"allowance": 68
},
{
"note": "Property has central air conditioning.",
"utility": "Air Conditioning",
"allowance": 13
},
{
"note": "Standard allowance for general electricity usage (e.g., lights, outlets) in an occupied home.",
"utility": "Other Electric",
"allowance": 69
},
{
"note": "Property listing indicates no appliances are provided, so it is assumed the tenant will supply their own refrigerator.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Property listing indicates no appliances are provided, so it is assumed the tenant will supply their own range/microwave. This covers the electrical component.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Property details state the unit is connected to a public water source.",
"utility": "Water",
"allowance": 35
},
{
"note": "Property details state the unit is connected to a public sewer system.",
"utility": "Sewer",
"allowance": 21
},
{
"note": "Standard municipal service for a single-family residential property.",
"utility": "Trash Collection",
"allowance": 19
}
],
"cash_on_cash_return": 0.44,
"down_payment_amount": 20540.0,
"property_tax_annual": 170.98,
"property_tax_monthly": 14.25,
"property_tax_increase": 0.03,
"utility_allowance_total": 339.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"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": 2025,
"annual_cash_flow_after_debt": 2481.47,
"property_management_monthly": 96.1,
"monthly_cash_flow_after_debt": 206.79,
"cash_on_cash_return_after_debt": 0.12
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this appears to be a cosmetically updated, tenant-occupied 3BR/2BA house with likely functional major systems and a sound exterior envelope. The property is mostly turnkey from a cosmetic standpoint, but it has inspection risks: visible exposed wiring and no visible smoke/CO alarms are likely to cause an initial NSPIRE/HCV fail until corrected. Missing kitchen appliances (range/fridge) and possible missing GFCI outlets are moderate issues. With focused safety corrections (install hard-wired or battery smoke alarms, secure/repair electrical outlet wiring, install GFCI where required) and installation of required appliances or documentation, the property should be rentable under Section 8 within ~2-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos and listing describe a recent cosmetic remodel: fresh paint, new-looking vinyl plank flooring, renovated baths/kitchen cabinets and countertops. Flooring, trim and paint appear in good condition. Missing major appliances (no visible range/stove or refrigerator) and some cabinet/finish wear reduce score moderately but are capital/furnishing items rather than structural failures."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 40.0,
"rationale": "Several NSPIRE safety items cannot be confirmed and there is at least one visible electrical concern. No smoke alarms or CO alarms are visible in photos (NSPIRE requires functioning smoke alarms in each sleeping area and at least one on each level), and a loose/exposed wire is visible at a bedroom wall outlet creating an electrical hazard that would likely fail inspection. GFCI presence in kitchen/bath not visible. Entry door hardware appears to be a knob; deadbolt presence not confirmed. No visible active water damage, mold, sagging ceilings or foundation failure in images."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Ceiling HVAC supply/return grille is visible, indicating central HVAC likely present; tenant-occupied status supports functional systems. No water stains, obvious plumbing failure or collapsed ceilings are visible. Water heater and electrical panel not photographed so functionality cannot be verified. Roof shingles are aged but show no obvious sagging or active leaks in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior brick veneer and siding appear intact; front entry and windows look serviceable. Lawn/landscaping is slightly overgrown and would benefit from cleaning. No visible severe foundation cracking, major roof collapse, standing water or pest infestation in photos. Gutters/downspouts not shown and grading/drainage details cannot be confirmed."
}
],
"red_flags": [
"Exposed/loose electrical wiring visible at a bedroom wall outlet (electrical hazard)",
"No visible smoke alarms or carbon monoxide alarms in photos (NSPIRE-required detectors may be missing)",
"GFCI protection in kitchen/bath not visible - potential code/safety deficiency"
],
"confidence": 0.65,
"assumptions": [
"Property is occupied by a tenant (listing states tenant-occupied) and major systems (HVAC, water heater, electrical) are operational but not photographed.",
"No smoke detectors or carbon monoxide detectors are present because none are visible in the photos; they may exist but were not captured.",
"A central HVAC system is present and working (inferred from ceiling grille visible in kitchen photo and tenant occupancy).",
"Electrical panel, water heater, and furnace/AC equipment were not shown; their condition is unknown and assumed serviceable unless otherwise discovered during inspection.",
"Range/stove and refrigerator are not present in photos and should be assumed missing or not guaranteed to be included.",
"No signs of active roof leaks or structural movement are visible; photos show an intact roof but somewhat aged shingles."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/2BA single-family appears cosmetically renovated and generally in good condition. The property looks likely to pass an initial HCV/NSPIRE inspection after addressing a few straightforward items: confirm and/or install properly located smoke and CO alarms, add GFCI protection in kitchen/baths if missing, verify and certify HVAC, water heater and electrical panel operation, install a deadbolt on the entry if absent, and perform minor exterior maintenance (yard, trim). No major structural or active safety failures are evident from photos. Estimated time to rent-ready: under 30 days with targeted fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Interior finishes appear recently renovated: new-looking vinyl plank flooring, fresh paint, intact baseboards and cabinetry. Kitchen has sink and hood; however there is no visible range/stove or refrigerator in photos (moderate reduction only). Minor cosmetic issues: slightly overgrown yard and small scuffing on some cabinet surfaces. Overall cosmetic condition is good and only moderate, easy-to-fix items are apparent."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards seen: ceilings intact, no visible active leaks, windows appear intact and at least one bedroom has large window for egress. However critical safety items are not visible or not clearly present in photos: no clearly identifiable smoke detectors in bedroom/hall photos, no visible CO alarm, kitchen outlets do not show GFCI protection, deadbolt on entry door not evident. Exposed wiring not observed. These uncertainties create inspection risk that will likely require minor corrective work (installing/relocating detectors and adding GFCI protection)."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 70.0,
"rationale": "Central HVAC appears present (ceiling return/vent visible) and interior finishes around vents are clean. Plumbing fixtures visible (kitchen sink) appear functional; washer hookup is present. No water stains or obvious plumbing damage visible. Roof shingles look aged but show no obvious active leaks or sagging in photos. Electrical panel, water heater and furnace are not pictured; absence of those photos reduces certainty but no visual evidence of failing systems. Recommend standard verification (HVAC operation, water heater, electrical panel)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Brick exterior and siding appear sound with no visible major foundation cracking. Front entry concrete pad is present though there is no handrail (single low step). Roof shingles are aged and may be near end-of-life but show no obvious collapse or major failure. Yard is overgrown and will need basic clean-up. Walkway/step is minimal but not a significant structural issue. Overall exterior is functional but needs routine maintenance and roof inspection."
}
],
"red_flags": [
"No clearly visible smoke detectors (required by NSPIRE) in photos",
"No visible carbon monoxide alarm (if local code requires for fuel-burning appliances)",
"No visible GFCI-protected kitchen outlets",
"Aged roof shingles — recommend roof inspection/estimate"
],
"confidence": 0.65,
"assumptions": [
"Photos are representative of the entire unit and recent (listing accurate).",
"Central HVAC is connected and operational (ceiling vent visible suggests presence).",
"Electrical panel, water heater and furnace exist on-site but were not photographed; their condition is unknown.",
"Windows shown meet local egress size requirements (large bedroom window appears adequate).",
"Missing stove/refrigerator in photos indicates appliances may be absent or removed; this is treated as a moderate, easily fixed capital item.",
"No evidence of severe mold, structural movement, or major roof leaks in available photographs.",
"Tenant-occupied status (listing text) means some systems may be active but were not tested during photo shoot."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the home appears to be in good cosmetic condition with recent flooring, fresh paint and renovated kitchen/baths per listing photos. It is likely to pass a Section 8 (NSPIRE) initial inspection after addressing a handful of common deficiencies: confirm/install required smoke detectors and CO alarms, install GFCI-protected outlets where required (kitchen/bath), and provide or confirm working major appliances (stove/refrigerator) if the PHA requires furnished appliances. Major structural, moisture, or electrical hazards were not visible in the photos, but absence of system equipment photos (panel, water heater, HVAC unit) creates moderate uncertainty.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent-looking vinyl plank flooring, fresh paint, intact trim and renovated-looking kitchen cabinets/countertops — overall cosmetic condition is good. Several typical turn-key items are not visible (stove and refrigerator not shown) and some fixtures (ceiling lights, outlet covers) look older; small baseboard/trim gaps visible in photos. Missing appliances reduce turnkey readiness moderately but do not indicate structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, major water stains, or exposed large electrical hazards). Entry door appears to have a secondary lock. However photos do not clearly show smoke detectors in bedrooms/hallways or carbon monoxide detectors, and kitchen countertop outlets shown appear to be standard (no visible GFCI devices) — these are common NSPIRE inspection items and may require correction. Bedroom egress appears plausible from photos but operability/opening size cannot be confirmed. No visible mold or active leaks in provided images."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Central HVAC supply/return grille visible in interior ceiling indicating a central heating/cooling system likely present. Kitchen sink and faucet installed; range hood present. No photos of water heater, electrical panel, or HVAC equipment to confirm condition or age. Roof shingles are present and the roofline appears straight with no obvious sagging, but shingles show weathering and age. Systems appear serviceable from pictures but lack of equipment photos creates inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Brick exterior and overall envelope appear intact with straight foundation line and no visible major cracks. Front yard is somewhat overgrown and would benefit from landscaping/clean-up. Roof shingles show age/discoloration but no visible open areas or sagging in provided front elevation. Walkway/porch visible and appears serviceable. No visible evidence of standing water, infestation, or major exterior neglect in the supplied images."
}
],
"red_flags": [
"No smoke detectors or CO alarms visible in provided photos — this is a common NSPIRE failure point if absent or improperly located.",
"Kitchen countertop outlets shown appear to be non-GFCI (no reset/test buttons visible) — may fail requirement for GFCI protection.",
"No photos of electrical panel, water heater or HVAC equipment — lack of verification increases inspection risk (cannot confirm condition/clearances)."
],
"confidence": 0.68,
"assumptions": [
"Central HVAC is present and operational (supply/return grille visible) though mechanical unit was not photographed.",
"Hot water and plumbing are functional because sink/faucet appear installed and there are no visible water stains or leaks.",
"Bedrooms have required egress (windows appear large enough) although operability and net clear opening were not verified from photos.",
"Smoke detectors and CO alarms are not visible in photos — assume they may be missing or not correctly located until confirmed.",
"Electrical panel, water heater and other major service equipment were not shown; assume serviceable but unverified.",
"Listing statement that the home is 'remodeled' is accurate and interior cosmetic updates shown represent recent work."
],
"overall_score": 71.0,
"rubric_version": "ns-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "69 Wiley Ave, Durant, MS, 39063",
"aggregate": {
"summary": "Overall this appears to be a cosmetically updated, tenant-occupied 3BR/2BA house with likely functional major systems and a sound exterior envelope. The property is mostly turnkey from a cosmetic standpoint, but it has inspection risks: visible exposed wiring and no visible smoke/CO alarms are likely to cause an initial NSPIRE/HCV fail until corrected. Missing kitchen appliances (range/fridge) and possible missing GFCI outlets are moderate issues. With focused safety corrections (install hard-wired or battery smoke alarms, secure/repair electrical outlet wiring, install GFCI where required) and installation of required appliances or documentation, the property should be rentable under Section 8 within ~2-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.0,
"rationale": "Photos and listing describe a recent cosmetic remodel: fresh paint, new-looking vinyl plank flooring, renovated baths/kitchen cabinets and countertops. Flooring, trim and paint appear in good condition. Missing major appliances (no visible range/stove or refrigerator) and some cabinet/finish wear reduce score moderately but are capital/furnishing items rather than structural failures."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.3,
"rationale": "Exterior brick veneer and siding appear intact; front entry and windows look serviceable. Lawn/landscaping is slightly overgrown and would benefit from cleaning. No visible severe foundation cracking, major roof collapse, standing water or pest infestation in photos. Gutters/downspouts not shown and grading/drainage details cannot be confirmed."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 56.7,
"rationale": "Several NSPIRE safety items cannot be confirmed and there is at least one visible electrical concern. No smoke alarms or CO alarms are visible in photos (NSPIRE requires functioning smoke alarms in each sleeping area and at least one on each level), and a loose/exposed wire is visible at a bedroom wall outlet creating an electrical hazard that would likely fail inspection. GFCI presence in kitchen/bath not visible. Entry door hardware appears to be a knob; deadbolt presence not confirmed. No visible active water damage, mold, sagging ceilings or foundation failure in images."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Ceiling HVAC supply/return grille is visible, indicating central HVAC likely present; tenant-occupied status supports functional systems. No water stains, obvious plumbing failure or collapsed ceilings are visible. Water heater and electrical panel not photographed so functionality cannot be verified. Roof shingles are aged but show no obvious sagging or active leaks in photos."
}
],
"red_flags": [
"Exposed/loose electrical wiring visible at a bedroom wall outlet (electrical hazard)",
"No visible smoke alarms or carbon monoxide alarms in photos (NSPIRE-required detectors may be missing)",
"GFCI protection in kitchen/bath not visible - potential code/safety deficiency"
],
"confidence": 0.88,
"assumptions": [
"Property is occupied by a tenant (listing states tenant-occupied) and major systems (HVAC, water heater, electrical) are operational but not photographed.",
"No smoke detectors or carbon monoxide detectors are present because none are visible in the photos; they may exist but were not captured.",
"A central HVAC system is present and working (inferred from ceiling grille visible in kitchen photo and tenant occupancy).",
"Electrical panel, water heater, and furnace/AC equipment were not shown; their condition is unknown and assumed serviceable unless otherwise discovered during inspection.",
"Range/stove and refrigerator are not present in photos and should be assumed missing or not guaranteed to be included.",
"No signs of active roof leaks or structural movement are visible; photos show an intact roof but somewhat aged shingles."
],
"score_method": "mean_of_criteria",
"overall_score": 69.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9502292364"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.