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1score
$499,900
MLS
Street view14533 Baldwin Ln
Carmel IN 46032 · Single Family · built 2004
4 bd2.5 ba2,186 sqft$229/sqft vs ZIP $233 −2%
0.79 lender DSCR (est.)
Rent covers the estimated payment 0.79× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $2,728/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)
$499,900List price
$2,728Rent estimate / mo
0.79Lender DSCR (est.)
$7,124Taxes / yr · county assessor
$233ZIP median $ / sqft
1/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,728 |
| − Mortgage (P&I) | −$2,622 |
| − Taxes | −$594 |
| − Insurance | −$208 |
| − HOA | −$31 |
| = Cash flow before vacancy & repairs | $-726 |
The numbers
- Price
- $499,900
- $ / sq ft
- $229 ZIP median $233
- Rent estimate
- $2,728/mo HUD fair-market rent
- Property taxes
- $7,124/yr 2% cap on assessed value $356,200
- PITIA (assumed)
- $3,454/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $31/mo
- Lender DSCR (est.)
- 0.79 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 1/100
The property
- Beds / baths
- 4 / 2.5
- Living area
- 2,186 sq ft
- Lot
- 7,405 sq ft
- Year built
- 2004
- Property type
- Single Family
- HOA
- $31/mo
- Flood zone
- X
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22116129
- Listed
- Jul 25, 2026
- Days on market
- 72
- Listing agent
- Lindsey Mounce · Tyler Knows Real Estate LLC
3177018000 · tyrenick@partnered-property-management.com - Price history
- First asked $499,900
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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.