1 / 6
10score
↓ $100,000
$1,300,000
MLS
Street view13357 Dumbarton St
Carmel IN 46032 · Single Family · built 2005
4 bd3.5 ba3,739 sqft$348/sqft vs ZIP $233 +49%
0.29 lender DSCR (est.)
Rent covers the estimated payment 0.29× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $2,670/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.
price cut 8%
The underwriting
The numbers (estimates, illustrative)
$1,300,000List price
$2,670Rent estimate / mo
0.29Lender DSCR (est.)
$18,206Taxes / yr · county assessor
$233ZIP median $ / sqft
10/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,670 |
| − Mortgage (P&I) | −$6,817 |
| − Taxes | −$1,517 |
| − Insurance | −$542 |
| − HOA | −$183 |
| = Cash flow before vacancy & repairs | $-6,389 |
The numbers
- Price
- $1,300,000
- $ / sq ft
- $348 ZIP median $233
- Rent estimate
- $2,670/mo HUD fair-market rent
- Property taxes
- $18,206/yr 2% cap on assessed value $910,300
- PITIA (assumed)
- $9,059/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $183/mo
- Lender DSCR (est.)
- 0.29 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 10/100 price cut 8%
The property
- Beds / baths
- 4 / 3.5
- Living area
- 3,739 sq ft
- Lot
- 22,216 sq ft
- Year built
- 2005
- Property type
- Single Family
- HOA
- $183/mo
- Flood zone
- X
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22129673
- Listed
- Oct 8, 2026
- Days on market
- 25
- Listing agent
- Kathryn Lory · F.C. Tucker Company
8009998768 · katielory10@gmail.com - Price history
- First asked $1,400,000 · previously $1,400,000 cut $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.