The Triad Global blog
Real numbers from a real portfolio: how we run Indianapolis rentals, priced in DSCR, rent comps and the free tools we built for ourselves.
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What a DSCR lender actually asks a non-resident buyer for
One of us buys from abroad. Here is the document list a DSCR lender commonly asks a foreign-national buyer for, in our experience, and where it differs from a normal US mortgage file.
How we estimate rent on 6,500 listings, and where the estimate is wrong
The rent number under every DSCR on this site comes from a five-step ladder: live rental comps, HUD fair-market rent, then fallbacks. Here is the ladder, the confidence label, and the three ways it misleads you.
The 1.20 DSCR walk-away rule, with the actual math
We don't buy anything that doesn't clear a 1.20 debt-service coverage ratio. Here is exactly how we compute it, on two real-sized Indianapolis houses, and why the number is 1.20 and not 1.0.
What a vacant month actually costs on a $2,700 house
Our 4-bed in Rocky Ripple is between tenants at $2,700 a month. Here is what the empty weeks cost, why a $100 rent cut can be the cheaper option, and the vacancy number we underwrite with.
We run Indianapolis rentals from 6,000 miles away. Here's what we're going to share.
A team split between Indianapolis and abroad, owning and operating Indy rentals. We're going to write about it as it happens, real numbers included.