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8score
$519,000
MLS
Street view12854 Piccadilly Cir
Fishers IN 46037 · Single Family · built 2004
4 bd3 ba3,278 sqft$158/sqft vs ZIP $175 −10%
0.74 lender DSCR (est.)
Rent covers the estimated payment 0.74× · walk-away floor 1.20 · low confidence
How we compute this
Rent est. $2,593/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.
10% under ZIP $/sqft
The underwriting
The numbers (estimates, illustrative)
$519,000List price
$2,593Rent estimate / mo
0.74Lender DSCR (est.)
$6,228Taxes / yr · assumed 1.2%
$175ZIP median $ / sqft
8/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,593 |
| − Mortgage (P&I) | −$2,722 |
| − Taxes | −$519 |
| − Insurance | −$216 |
| − HOA | −$58 |
| = Cash flow before vacancy & repairs | $-922 |
The numbers
- Price
- $519,000
- $ / sq ft
- $158 ZIP median $175
- Rent estimate
- $2,593/mo HUD fair-market rent
- Property taxes
- $6,228/yr assumed 1.2% of price
- PITIA (assumed)
- $3,515/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $58/mo
- Lender DSCR (est.)
- 0.74 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 8/100 10% under ZIP $/sqft
The property
- Beds / baths
- 4 / 3
- Living area
- 3,278 sq ft
- Lot
- 10,890 sq ft
- Year built
- 2004
- Property type
- Single Family
- HOA
- $58/mo
- Flood zone
- —
- Registered rental
- —
The listing
- Source
- Standard
- MLS #
- 22125180
- Listed
- Sep 15, 2026
- Days on market
- 20
- Listing agent
- Jeanne Hutcherson · Century 21 Scheetz
3178445111 · jhutcherson@c21scheetz.com - Price history
- First asked $519,000
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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.