Property ID: 9632287703
108 Myer Ave Lot A, Jackson, MS, 39209
Jackson, MS
Money Down: $28,800
CoC Return: 18.28%
Monthly Cash Flow: $439
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,000
Closing Costs
$4,800
Total Down
$28,800
Investment Snapshot
Purchase Price
$120,000
Money Down
$28,800
Cash-on-Cash Return
18.28%
Rent
$1,351
Monthly Cash Flow
$439
Annual Cash Flow
$5,265
Debt Service / Mo
$639
Property Tax / Mo
$95
Insurance / Mo
$43
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,351
Payment Standard
$1,976
Rent
$1,351
Insurance
$43
Property Tax
$95
Management
$135
Utilities Allowance
$625
NOI (Monthly)
$1,077
Debt Service
$639
Cash Flow After Debt
$439
Quality Score: 64.30%
Confidence: 92.00%
This duplex appears to have undergone a basic refurbishment (new paint and flooring, cabinets and plumbing fixtures present) and is generally in rentable condition, but several inspection risks remain. The most significant issues for a Section 8 / NSPIRE inspection are exposed/open electrical boxes and missing cover plates, lack of visible GFCI receptacles in wet locations, missing appliance(s) in the kitchen, and site/driveway erosion and debris. If the electrical cover plates/GFCIs are corrected, appliance(s) installed, and any minor plumbing/fixture touch-ups completed, the property should be likely to pass an initial HCV/NSPIRE inspection within a few weeks. Operational verification of HVAC, water heating and electrical circuits will be required at inspection.
Section 8 Payment Standard
$1,976
Utility Allowance Total
$625
Guaranteed Section 8 Rent (PS - Utilities)
$1,351
Property Management
$135
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$120,000
Beds
6
Baths
2
Living Area
1,610 sqft
Lot Size
12,632 sqft
Year Built
1985
Days on Market
343
Capital Outlay
$28,800
Debt Service
$639
Property Tax / Mo
$95
Insurance / Mo
$43
Property Description
This is a prime investment opportunity. Two units for the price of one. Both units totally refurbished, each side fully contained. 3/1 on each side , .Units A&B
Utility Allowances
Air Conditioning
$18
Standard for single-family homes. Using the 5-bedroom allowance as data for 6-bedroom units is not available.
Cooking
$42
Fuel type not specified; the most expensive option (Bottled Gas) was chosen per guidelines. Using the 5-bedroom allowance as data for 6-bedroom units is not available.
Heating
$114
Fuel type not specified; the most expensive option (Bottled Gas) was chosen per guidelines. Using the 5-bedroom allowance as data for 6-bedroom units is not available.
Other Electric
$100
Standard allowance for general electricity usage. Using the 5-bedroom allowance as data for 6-bedroom units is not available.
Range/Microwave
$3
Assumed to be tenant-provided as it is not explicitly mentioned as included. Using the 5-bedroom allowance as data for 6-bedroom units is not available.
Refrigerator
$4
Assumed to be tenant-provided as it is not explicitly mentioned as included. Using the 5-bedroom allowance as data for 6-bedroom units is not available.
Sewer
$81
Inferred from 'Public Water' source and the property's urban location. Using the 5-bedroom allowance as data for 6-bedroom units is not available.
Trash Collection
$37
Standard municipal service for a residential property. Using the 5-bedroom allowance as data for 6-bedroom units is not available.
Water
$127
Property details explicitly state a 'Public' water source. Using the 5-bedroom allowance as data for 6-bedroom units is not available.
Water Heating
$99
Fuel type not specified; the most expensive option (Bottled Gas) was chosen per guidelines. Using the 5-bedroom allowance as data for 6-bedroom units is not available.
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$496
DP3 Annual Estimate$547
DP1 Monthly Equivalent$41
DP3 Monthly Equivalent$46
Replacement Value$37,600
Basis1,610 sqft / 1985
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179 Road of Remembrance
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Risk and Criteria Detail
Red Flags
- success
- Exposed/open electrical outlet boxes and missing cover plates (electrical shock/fire hazard)
- No visible GFCI receptacle in kitchen or bathroom photos (code/NSPIRE risk)
- Driveway erosion/uneven approach creating trip/vehicle hazard
- Missing kitchen appliances (range/refrigerator) — reduces turnkey readiness and may delay move-in
- No visible deadbolt on exterior doors in photos (security/locks should be verified)
Assumptions
- Listing statement 'totally refurbished' is partly accurate — visible finishes (paint, flooring, cabinets) have been updated.
- Central HVAC is present and connected (ceiling supply register and thermostat visible); assumed functional but not tested.
- Water heater is present and operational though not photographed.
- Kitchen stove and refrigerator are not present in photos and thus assumed missing; absence reduces readiness but is not an automatic fail.
- Bedroom windows provide legal egress dimensions or at least open; egress compliance is assumed adequate based on typical layout but not measured.
- Electrical service panel is intact and properly labeled although only the panel door is visible in a bedroom photo; functionality assumed but not tested.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-03-10 | Listed | $120,000 |
| 2025-03-01 | Listing removed | $0 |
| 2025-02-11 | Listed | $145,000 |
Photo Gallery
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"source_listing_id": "4103494",
"price_change_percentage": null
},
{
"date": "2025-02-11",
"price": 145000,
"listing": {
"status": "off_market",
"list_date": "2025-02-11T04:04:45Z",
"list_price": 145000,
"listing_id": "2978185867",
"last_update_date": "2025-02-12T08:46:40Z",
"last_status_change_date": "2025-03-01T08:21:37Z"
},
"event_name": "Listed",
"price_sqft": 90.06211180124224,
"source_name": "MLSUnited",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4103494",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": true
},
"property_id": "9632287703",
"generated_at": "2026-02-16T23:06:58.040301Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.3
},
"utility_allowance": {
"zip_code": "39209",
"home_photo": "https://ap.rdcpix.com/e16f6041bca3d997f02e437041b01fe1l-m3892965282s-w1280.jpg",
"rent_price": 1351.0,
"loan_amount": 96000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/108-Myer-Ave-A_Jackson_MS_39209_M96322-87703",
"bedroom_count": 6,
"interest_rate": 0.07,
"purchase_price": 120000.0,
"loan_term_years": 30,
"annual_cash_flow": 12929.3,
"mortgage_monthly": 638.69,
"payment_standard": 1976.0,
"total_amount_out": 24000.0,
"additional_photos": [
"https://ap.rdcpix.com/e16f6041bca3d997f02e437041b01fe1l-m1472100661s-w1280.jpg",
"https://ap.rdcpix.com/e16f6041bca3d997f02e437041b01fe1l-m3818318994s-w1280.jpg",
"https://ap.rdcpix.com/e16f6041bca3d997f02e437041b01fe1l-m2057640403s-w1280.jpg",
"https://ap.rdcpix.com/e16f6041bca3d997f02e437041b01fe1l-m3948879358s-w1280.jpg",
"https://ap.rdcpix.com/e16f6041bca3d997f02e437041b01fe1l-m420707650s-w1280.jpg",
"https://ap.rdcpix.com/e16f6041bca3d997f02e437041b01fe1l-m510206289s-w1280.jpg",
"https://ap.rdcpix.com/e16f6041bca3d997f02e437041b01fe1l-m4028596412s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 43.46,
"monthly_cash_flow": 1077.44,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Standard for single-family homes. Using the 5-bedroom allowance as data for 6-bedroom units is not available.",
"utility": "Air Conditioning",
"allowance": 18
},
{
"note": "Fuel type not specified; the most expensive option (Bottled Gas) was chosen per guidelines. Using the 5-bedroom allowance as data for 6-bedroom units is not available.",
"utility": "Cooking",
"allowance": 42
},
{
"note": "Fuel type not specified; the most expensive option (Bottled Gas) was chosen per guidelines. Using the 5-bedroom allowance as data for 6-bedroom units is not available.",
"utility": "Heating",
"allowance": 114
},
{
"note": "Standard allowance for general electricity usage. Using the 5-bedroom allowance as data for 6-bedroom units is not available.",
"utility": "Other Electric",
"allowance": 100
},
{
"note": "Assumed to be tenant-provided as it is not explicitly mentioned as included. Using the 5-bedroom allowance as data for 6-bedroom units is not available.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "Assumed to be tenant-provided as it is not explicitly mentioned as included. Using the 5-bedroom allowance as data for 6-bedroom units is not available.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "Inferred from 'Public Water' source and the property's urban location. Using the 5-bedroom allowance as data for 6-bedroom units is not available.",
"utility": "Sewer",
"allowance": 81
},
{
"note": "Standard municipal service for a residential property. Using the 5-bedroom allowance as data for 6-bedroom units is not available.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "Property details explicitly state a 'Public' water source. Using the 5-bedroom allowance as data for 6-bedroom units is not available.",
"utility": "Water",
"allowance": 127
},
{
"note": "Fuel type not specified; the most expensive option (Bottled Gas) was chosen per guidelines. Using the 5-bedroom allowance as data for 6-bedroom units is not available.",
"utility": "Water Heating",
"allowance": 99
}
],
"cash_on_cash_return": 0.54,
"down_payment_amount": 24000.0,
"property_tax_annual": 1140.0,
"property_tax_monthly": 95.0,
"property_tax_increase": 0.03,
"utility_allowance_total": 625.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/ps",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": null,
"annual_cash_flow_after_debt": 5265.02,
"property_management_monthly": 135.1,
"monthly_cash_flow_after_debt": 438.75,
"cash_on_cash_return_after_debt": 0.22
},
"section8_assessment": {
"runs": [
{
"summary": "This duplex appears to have undergone a basic refurbishment (new paint and flooring, cabinets and plumbing fixtures present) and is generally in rentable condition, but several inspection risks remain. The most significant issues for a Section 8 / NSPIRE inspection are exposed/open electrical boxes and missing cover plates, lack of visible GFCI receptacles in wet locations, missing appliance(s) in the kitchen, and site/driveway erosion and debris. If the electrical cover plates/GFCIs are corrected, appliance(s) installed, and any minor plumbing/fixture touch-ups completed, the property should be likely to pass an initial HCV/NSPIRE inspection within a few weeks. Operational verification of HVAC, water heating and electrical circuits will be required at inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Repairs",
"score": 70.0,
"rationale": "Interior appears recently painted and floors replaced; cabinets and bathroom vanity present. Observable deferred/cosmetic issues: stained tub surround, missing outlet/switch cover plates, some trim scuffs, debris in yard/curb, and no range/refrigerator shown. Missing appliances reduce readiness moderately but overall finish work appears mostly complete."
},
{
"key": "safety_code",
"label": "Safety / Code / NSPIRE Risk",
"score": 60.0,
"rationale": "Smoke detector visible in at least one room (positive). Several safety concerns: exposed/open electrical outlet boxes and missing cover plates visible in multiple photos (electrical shock/fire risk), no visible GFCI receptacle in kitchen or bath pictures, some windows are older single-pane frames (egress likely present but unverified), and exterior entry doors show knob but no visible deadbolt in photos. No active water stains, visible mold, collapsed ceilings or major structural defects observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 65.0,
"rationale": "Ceiling HVAC supply/registers and a thermostat are visible indicating central HVAC was installed; roof shingles appear intact in exterior photo. Electrical panel is present in a bedroom photo (cover appears closed). Plumbing fixtures (toilet, tub/shower, sink) are installed but tub surround is stained. No water heater or mechanical equipment photographed. Systems appear present but unverified operationally."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior and roof lines visually intact with two separate units in duplex layout. Site issues: driveway erosion/uneven approach to street, debris near curb, overgrown areas behind units. No visible foundation cracking, standing water, or major exterior structural failure in provided photos."
}
],
"red_flags": [
"Exposed/open electrical outlet boxes and missing cover plates (electrical shock/fire hazard)",
"No visible GFCI receptacle in kitchen or bathroom photos (code/NSPIRE risk)",
"Driveway erosion/uneven approach creating trip/vehicle hazard",
"Missing kitchen appliances (range/refrigerator) — reduces turnkey readiness and may delay move-in",
"No visible deadbolt on exterior doors in photos (security/locks should be verified)"
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'totally refurbished' is partly accurate — visible finishes (paint, flooring, cabinets) have been updated.",
"Central HVAC is present and connected (ceiling supply register and thermostat visible); assumed functional but not tested.",
"Water heater is present and operational though not photographed.",
"Kitchen stove and refrigerator are not present in photos and thus assumed missing; absence reduces readiness but is not an automatic fail.",
"Bedroom windows provide legal egress dimensions or at least open; egress compliance is assumed adequate based on typical layout but not measured.",
"Electrical service panel is intact and properly labeled although only the panel door is visible in a bedroom photo; functionality assumed but not tested."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This two-unit property appears largely rehabilitated cosmetically and is close to being Section 8 / NSPIRE ready, but there are moderate inspection risks that should be corrected before an initial voucher inspection: cover plates and exposed wiring must be fixed, GFCI protection verified/installed in kitchen/bath, CO alarm presence confirmed where required, and window egress/condition verified and repaired if necessary. Appliances (stove/fridge) are missing and will need to be provided or disclosed to pass certain voucher program policies, but missing appliances alone are not an immediate safety fail. Addressing the electrical cover plates, verifying systems operation (HVAC, water heater), and ensuring required alarms are installed should make the units likely to pass within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Photos show recent cosmetic work (fresh paint, new vinyl plank flooring, new-looking cabinets/countertops). Missing major appliances (no stove or refrigerator visible) and several minor finish issues (scuffed trim, bathtub surround discoloration). Some wall/open outlet cutouts and trim pieces on floor indicate finishing touches remain. Overall mostly cosmetic and moderate repairs rather than full rehabilitation."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "A ceiling smoke detector is visible in at least one unit which is positive, and doors appear to close. However there are multiple safety/code concerns visible: open/outlet/wall boxes and at least one base-level exposed wiring location (missing coverplates), likely no GFCI-protected outlets visible at kitchen/bath, and window frames show corrosion/age (egress usability uncertain). No CO alarm is visible in photos. These issues raise inspection risk until addressed, but no immediate evidence of active roof leaks, collapsed ceilings, or major structural failure."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Elec / Plumbing)",
"score": 60.0,
"rationale": "Ceiling HVAC supply/return registers and a thermostat are visible (suggesting central HVAC present) and bathroom fixtures/toilet/sink are installed, indicating plumbing systems exist. An electrical panel cover is visible in a bedroom, which suggests the panel is present and closed. However operational status of HVAC, water heater and panel/breakers cannot be confirmed from photos. Visible open wiring and missing cover plates lower the score for electrical safety until verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior appears intact with low visible deterioration and roof shingles look generally serviceable from the single exterior photo. However site issues include an eroded/damaged driveway edge, minimal front landscaping, some debris in yard, and lack of gutters/visible drainage control. No obvious foundation failure or standing water is shown."
}
],
"red_flags": [
"Exposed wiring / missing outlet and switch cover plates visible in multiple photos (electrical hazard).",
"No visible GFCI receptacles at kitchen or bathroom areas (likely code/inspection requirement).",
"Window frames show corrosion/age; bedroom egress sizing/operability not confirmed (potential egress fail).",
"Driveway erosion/trip hazard at curb and yard debris that could be cited as unsafe site condition if not corrected."
],
"confidence": 0.65,
"assumptions": [
"Each side/unit is self-contained as listed (3 beds / 1 bath each) and photos represent one unit's interior.",
"Central HVAC exists and is connected/operational (thermostat and ceiling register visible) though not tested in photos.",
"Water heater and water supply are present and functional (not shown in photos).",
"Smoke detector visible implies detectors were recently installed, but additional detectors/CO alarms across each unit may be needed.",
"Electrical panel shown is intact and service is present; however some branch circuits have missing covers/outlet plates visible.",
"Windows may open but condition/capacity to meet egress dimensions is not confirmed from images.",
"No recent rental history in last 5 years per snapshot; rental_history_activity therefore excluded from score."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the duplex appears recently renovated cosmetically and is close to rent-ready, but it has several moderate safety/code issues that could cause an initial Housing Choice Voucher (NSPIRE) inspection fail if unaddressed: exposed electrical boxes/missing outlet covers, lack of visible GFCI protection in kitchen/bath, missing entry deadbolts, driveway/drain trip hazards, and vegetation close to the building. Most items are relatively quick fixes (outlet covers, GFCI, appliances, deadbolts, site cleanup). Confirm operation of HVAC and water heater and verify bedroom egress window sizes to ensure full NSPIRE compliance.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently painted and vinyl plank flooring looks new; cabinets and fixtures are present. Observable cosmetic issues: scuffed/dirty bathtub surround, some cabinet/hood wear, missing appliances (no stove/fridge visible) and several missing outlet/switch cover plates. These are mostly cosmetic or small repairs (easy-to-fix). Missing appliances reduce turnkey readiness moderately but are not a structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "A ceiling-mounted smoke detector is visible in living area, and a thermostat/air vent indicates HVAC. However there are several safety/code concerns visible: exposed/open electrical boxes and missing outlet covers (electrical shock hazard), no obvious GFCI receptacle at kitchen counter (kitchen/Bath GFCI likely required), no visible deadbolts on entry doors, and windows show older metal frames with rust/dirt (egress opening size not verifiable from photos). No active roof leaks, collapsed ceilings, or major mold stains are visible. These issues create a moderate risk for initial NSPIRE inspection and will likely require correction prior to pass."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Central HVAC supply/return vents and a thermostat are visible, suggesting a central heating/cooling system is present. The electrical panel is visible in a bedroom and appears intact from photos (cover in place). Plumbing fixtures (kitchen sink, bathroom tub and toilet) are present. Roof shingles look intact from the front elevation photos. Water heater and furnace/air handler are not shown, so their condition is assumed but not confirmed. No signs of active plumbing leaks or major drain/backflow observed in interior images."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Brick exterior appears structurally sound with no visible major cracks. Roof shingles appear intact on both units. However site issues: driveway erosion and rutting to the curb, a dislodged/tilted drain grate/cover and scattered debris at street edge (trip hazard), and overgrown vegetation/bamboo immediately behind the structures which raises pest and moisture risk. Yard is uneven and will need cleanup. No obvious foundation settlement or major structural exterior damage visible."
}
],
"red_flags": [
"Exposed/open electrical boxes and missing outlet/switch cover plates (electrical shock hazard).",
"No visible GFCI-protected receptacle at kitchen counters / bathroom (likely NSPIRE failure if absent).",
"No visible deadbolt locks on unit entry doors (security/lock requirement).",
"Driveway erosion and a dislodged/misaligned drain cover at the street edge (trip hazard).",
"Dense vegetation/bamboo immediately behind units — pest, moisture, and maintenance risk."
],
"confidence": 0.65,
"assumptions": [
"Listing claim 'totally refurbished' is assumed generally accurate; interior finishes (paint, flooring) are recent based on photos.",
"Central HVAC is present and functional because vents and thermostat are visible; however HVAC equipment itself was not photographed.",
"Water heater and main mechanicals exist and are operational though not shown; assumed functional unless proved otherwise.",
"Windows likely provide egress for bedrooms but dimensions/opening area are not measurable from photos — egress compliance not confirmed.",
"Electrical panel appears covered; full electrical safety (breaker labeling, grounding) is assumed adequate absent visible severe defects.",
"No fuel-burning appliances visible; presence of carbon monoxide detector requirement is unknown and no CO detector was observed."
],
"overall_score": 65.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "108 Myer Ave Lot A, Jackson, MS, 39209",
"aggregate": {
"summary": "This duplex appears to have undergone a basic refurbishment (new paint and flooring, cabinets and plumbing fixtures present) and is generally in rentable condition, but several inspection risks remain. The most significant issues for a Section 8 / NSPIRE inspection are exposed/open electrical boxes and missing cover plates, lack of visible GFCI receptacles in wet locations, missing appliance(s) in the kitchen, and site/driveway erosion and debris. If the electrical cover plates/GFCIs are corrected, appliance(s) installed, and any minor plumbing/fixture touch-ups completed, the property should be likely to pass an initial HCV/NSPIRE inspection within a few weeks. Operational verification of HVAC, water heating and electrical circuits will be required at inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Repairs",
"score": 68.3,
"rationale": "Interior appears recently painted and floors replaced; cabinets and bathroom vanity present. Observable deferred/cosmetic issues: stained tub surround, missing outlet/switch cover plates, some trim scuffs, debris in yard/curb, and no range/refrigerator shown. Missing appliances reduce readiness moderately but overall finish work appears mostly complete."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Brick exterior and roof lines visually intact with two separate units in duplex layout. Site issues: driveway erosion/uneven approach to street, debris near curb, overgrown areas behind units. No visible foundation cracking, standing water, or major exterior structural failure in provided photos."
},
{
"key": "safety_code",
"label": "Safety / Code / NSPIRE Risk",
"score": 56.7,
"rationale": "Smoke detector visible in at least one room (positive). Several safety concerns: exposed/open electrical outlet boxes and missing cover plates visible in multiple photos (electrical shock/fire risk), no visible GFCI receptacle in kitchen or bath pictures, some windows are older single-pane frames (egress likely present but unverified), and exterior entry doors show knob but no visible deadbolt in photos. No active water stains, visible mold, collapsed ceilings or major structural defects observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 65.0,
"rationale": "Ceiling HVAC supply/registers and a thermostat are visible indicating central HVAC was installed; roof shingles appear intact in exterior photo. Electrical panel is present in a bedroom photo (cover appears closed). Plumbing fixtures (toilet, tub/shower, sink) are installed but tub surround is stained. No water heater or mechanical equipment photographed. Systems appear present but unverified operationally."
}
],
"red_flags": [
"Exposed/open electrical outlet boxes and missing cover plates (electrical shock/fire hazard)",
"No visible GFCI receptacle in kitchen or bathroom photos (code/NSPIRE risk)",
"Driveway erosion/uneven approach creating trip/vehicle hazard",
"Missing kitchen appliances (range/refrigerator) — reduces turnkey readiness and may delay move-in",
"No visible deadbolt on exterior doors in photos (security/locks should be verified)"
],
"confidence": 0.92,
"assumptions": [
"Listing statement 'totally refurbished' is partly accurate — visible finishes (paint, flooring, cabinets) have been updated.",
"Central HVAC is present and connected (ceiling supply register and thermostat visible); assumed functional but not tested.",
"Water heater is present and operational though not photographed.",
"Kitchen stove and refrigerator are not present in photos and thus assumed missing; absence reduces readiness but is not an automatic fail.",
"Bedroom windows provide legal egress dimensions or at least open; egress compliance is assumed adequate based on typical layout but not measured.",
"Electrical service panel is intact and properly labeled although only the panel door is visible in a bedroom photo; functionality assumed but not tested."
],
"score_method": "mean_of_criteria",
"overall_score": 64.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9632287703"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.