1 / 6
11score
New
$975,000
MLS
Street view12657 Treaty Line St
Carmel IN 46032 · Single Family · built 2002
3 bd3.5 ba4,502 sqft$217/sqft vs ZIP $233 −7%
0.33 lender DSCR (est.)
Rent covers the estimated payment 0.33× · walk-away floor 1.20 · low confidence
How we compute this
Rent est. $2,188/mo (HUD fair-market rent) ÷ estimated monthly payment: 75% LTV, ~7.5% rate, 30‑yr term, insurance ~0.5%/yr, taxes assumed at 1.2% of price. Assumptions as of 2026-09-12.
new this week
The underwriting
The numbers (estimates, illustrative)
$975,000List price
$2,188Rent estimate / mo
0.33Lender DSCR (est.)
$11,700Taxes / yr · assumed 1.2%
$233ZIP median $ / sqft
11/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,188 |
| − Mortgage (P&I) | −$5,113 |
| − Taxes | −$975 |
| − Insurance | −$406 |
| − HOA | −$204 |
| = Cash flow before vacancy & repairs | $-4,510 |
The numbers
- Price
- $975,000
- $ / sq ft
- $217 ZIP median $233
- Rent estimate
- $2,188/mo HUD fair-market rent
- Property taxes
- $11,700/yr assumed 1.2% of price
- PITIA (assumed)
- $6,698/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $204/mo
- Lender DSCR (est.)
- 0.33 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 11/100 new this week
The property
- Beds / baths
- 3 / 3.5
- Living area
- 4,502 sq ft
- Lot
- 11,326 sq ft
- Year built
- 2002
- Property type
- Single Family
- HOA
- $204/mo
- Flood zone
- X
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22133302
- Listed
- Oct 29, 2026
- Days on market
- 5
- Listing agent
- Jane Barretto · eXp Realty, LLC
3178445111 · 210285.lead@leads.leadrouter.com - Price history
- First asked $975,000
Keep looking
Similar deals nearby
Ask Triad about this deal
Want a second opinion, a walkthrough, or an offer strategy?
We buy in Indianapolis ourselves. Tell us what you're thinking and our team replies within one business day. Free, no obligation.
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.