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14score
$239,000
MLS
Street view14 N Gray St
Indianapolis IN 46201 · Single Family · built 1900
5 bd2 ba1,781 sqft$134/sqft vs ZIP $141 −5%
1.06 lender DSCR (est.)
Rent covers the estimated payment 1.06× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $1,635/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.
The underwriting
The numbers (estimates, illustrative)
$239,000List price
$1,635Rent estimate / mo
1.06Lender DSCR (est.)
$2,352Taxes / yr · county assessor
$141ZIP median $ / sqft
14/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,635 |
| − Mortgage (P&I) | −$1,253 |
| − Taxes | −$196 |
| − Insurance | −$100 |
| = Cash flow before vacancy & repairs | $86 |
The numbers
- Price
- $239,000
- $ / sq ft
- $134 ZIP median $141
- Rent estimate
- $1,635/mo HUD fair-market rent
- Property taxes
- $2,352/yr 2% cap on assessed value $117,600
- PITIA (assumed)
- $1,549/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.06 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 14/100
The property
- Beds / baths
- 5 / 2
- Living area
- 1,781 sq ft
- Lot
- 6,970 sq ft
- Year built
- 1900
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- —
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22131837
- Listed
- Oct 24, 2026
- Days on market
- 8
- Listing agent
- Yesli Contreras · Bluprint Real Estate Group
3176628127 · yesli.realty@gmail.com - Price history
- First asked $239,000
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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.