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27score
↓ $3,500
$449,000
MLS
Street view1014 Swinton Way
Westfield IN 46074 · Single Family · built 2009
5 bd3 ba3,296 sqft$136/sqft vs ZIP $210 −35%
0.83 lender DSCR (est.)
Rent covers the estimated payment 0.83× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $2,703/mo (HUD fair-market rent) ÷ estimated monthly payment: 75% LTV, ~7.5% rate, 30‑yr term, insurance ~0.5%/yr, taxes from the county assessor. Assumptions as of 2026-09-12.
35% under ZIP $/sqftprice cut 1%
The underwriting
The numbers (estimates, illustrative)
$449,000List price
$2,703Rent estimate / mo
0.83Lender DSCR (est.)
$8,194Taxes / yr · county assessor
$210ZIP median $ / sqft
27/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,703 |
| − Mortgage (P&I) | −$2,355 |
| − Taxes | −$683 |
| − Insurance | −$187 |
| − HOA | −$25 |
| = Cash flow before vacancy & repairs | $-547 |
The numbers
- Price
- $449,000
- $ / sq ft
- $136 ZIP median $210
- Rent estimate
- $2,703/mo HUD fair-market rent
- Property taxes
- $8,194/yr 2% cap on assessed value $409,700
- PITIA (assumed)
- $3,250/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $25/mo
- Lender DSCR (est.)
- 0.83 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 27/100 35% under ZIP $/sqft · price cut 1%
The property
- Beds / baths
- 5 / 3
- Living area
- 3,296 sq ft
- Lot
- 4,792 sq ft
- Year built
- 2009
- Property type
- Single Family
- HOA
- $25/mo
- Flood zone
- X
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22095094
- Listed
- Apr 14, 2026
- Days on market
- 174
- Listing agent
- Nichole Pickering · Epique Inc
3176060632 · npickering@highgarden.com - Price history
- First asked $452,500 · previously $452,500 cut $3,500
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All figures are illustrative estimates from the list price, public records, rent comps / HUD fair-market rent and assumed financing (75% LTV, ~7.5%, 30 yr, as of 2026-09-12). Not verified, not an offer, not investment advice. Triad Global, LLC is a real-estate investor, not a licensed brokerage. Listing data from public sources; verify everything before you bid. Equal Housing Opportunity.