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69score
$100,000
MLS
Street view1226 S Richland St
Indianapolis IN 46221 · Single Family · built 1930
3 bd1 ba888 sqft$113/sqft vs ZIP $145 −22%
1.82 lender DSCR (est.)
Rent covers the estimated payment 1.82× · walk-away floor 1.20 · low confidence
How we compute this
Rent est. $1,400/mo (rent comps) ÷ 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.
DSCR 1.8222% under ZIP $/sqftbelow assessed value
The underwriting
The numbers (estimates, illustrative)
$100,000List price
$1,400Rent estimate / mo
1.82Lender DSCR (est.)
$2,454Taxes / yr · county assessor
$145ZIP median $ / sqft
69/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,400 |
| − Mortgage (P&I) | −$524 |
| − Taxes | −$205 |
| − Insurance | −$42 |
| = Cash flow before vacancy & repairs | $629 |
The numbers
- Price
- $100,000
- $ / sq ft
- $113 ZIP median $145
- Rent estimate
- $1,400/mo rent comps
- Property taxes
- $2,454/yr 2% cap on assessed value $122,700
- PITIA (assumed)
- $771/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.82 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 69/100 DSCR 1.82 · 22% under ZIP $/sqft · below assessed value
The property
- Beds / baths
- 3 / 1
- Living area
- 888 sq ft
- Lot
- 5,663 sq ft
- Year built
- 1930
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22123566
- Listed
- Sep 5, 2026
- Days on market
- 27
- Listing agent
- Matt Humberger · Century 21 Scheetz
4193767492 · mhumberger@c21scheetz.com - Price history
- First asked $100,000
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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.