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4score
$425,000
MLS
Street view10826 Gates Creek Dr
Indianapolis IN 46239 · Single Family · built 2025
5 bd3.5 ba3,042 sqft$140/sqft vs ZIP $147 −5%
0.72 lender DSCR (est.)
Rent covers the estimated payment 0.72× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $2,236/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.
The underwriting
The numbers (estimates, illustrative)
$425,000List price
$2,236Rent estimate / mo
0.72Lender DSCR (est.)
$7,690Taxes / yr · county assessor
$147ZIP median $ / sqft
4/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,236 |
| − Mortgage (P&I) | −$2,229 |
| − Taxes | −$641 |
| − Insurance | −$177 |
| − HOA | −$64 |
| = Cash flow before vacancy & repairs | $-875 |
The numbers
- Price
- $425,000
- $ / sq ft
- $140 ZIP median $147
- Rent estimate
- $2,236/mo HUD fair-market rent
- Property taxes
- $7,690/yr 2% cap on assessed value $384,500
- PITIA (assumed)
- $3,111/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $64/mo
- Lender DSCR (est.)
- 0.72 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 4/100
The property
- Beds / baths
- 5 / 3.5
- Living area
- 3,042 sq ft
- Lot
- 0.188 acres
- Year built
- 2025
- Property type
- Single Family
- HOA
- $64/mo
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22131538
- Listed
- Oct 15, 2026
- Days on market
- 17
- Listing agent
- Aaron Gourdouze · Redfin Corporation
3176976433 · carrie.georgitsis@redfin.com - Price history
- First asked $425,000
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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.