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21score
↓ $10,000
$374,900
MLS
Street view12409 Crystal Pointe Cir
Indianapolis IN 46236 · Single Family · built 1997
4 bd3.5 ba2,952 sqft$127/sqft vs ZIP $157 −19%
0.77 lender DSCR (est.)
Rent covers the estimated payment 0.77× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $2,112/mo (ZIP + bedroom 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.
19% under ZIP $/sqftprice cut 3%
The underwriting
The numbers (estimates, illustrative)
$374,900List price
$2,112Rent estimate / mo
0.77Lender DSCR (est.)
$7,352Taxes / yr · county assessor
$157ZIP median $ / sqft
21/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,112 |
| − Mortgage (P&I) | −$1,966 |
| − Taxes | −$613 |
| − Insurance | −$156 |
| − HOA | −$25 |
| = Cash flow before vacancy & repairs | $-648 |
The numbers
- Price
- $374,900
- $ / sq ft
- $127 ZIP median $157
- Rent estimate
- $2,112/mo ZIP + bedroom comps
- Property taxes
- $7,352/yr 2% cap on assessed value $367,600
- PITIA (assumed)
- $2,760/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $25/mo
- Lender DSCR (est.)
- 0.77 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 21/100 19% under ZIP $/sqft · price cut 3%
The property
- Beds / baths
- 4 / 3.5
- Living area
- 2,952 sq ft
- Lot
- 11,326 sq ft
- Year built
- 1997
- Property type
- Single Family
- HOA
- $25/mo
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22132371
- Listed
- Oct 21, 2026
- Days on market
- 11
- Listing agent
- Eli Stoner · eXp Realty, LLC
6147535483 · elistoner@livindyrealty.com - Price history
- First asked $384,900 · previously $384,900 cut $10,000
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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.